Home > Haskell National Bank > Performance and Condition Ratios
Haskell National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4331% | 4,418 |
| Cost of funding earning assets | 0.3422% | 4,345 |
| Net interest margin | 3.0909% | 3,112 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 3.0904% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4702% | 3,733 |
| Return on assets (ROA) | 0.4702% | 3,734 |
| Pretax return on assets | 0.4702% | 3,863 |
| Return on Equity (ROE) | 6.6900% | 3,366 |
| Retained earnings to average equity (ytd only) | 2.5257% | 3,436 |
| Net charge-offs to loans | -0.0128% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.7952% | 525 |
| Assets per employee ($millions) | 3.3237% | 4,322 |
| Cash dividends to net income (ytd only)* | 62.2590% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.8400% | 4,252 |
| Net loans and leases to deposits | 34.8270% | 4,290 |
| Net loans and leases to core deposits | 34.9560% | 4,351 |
| Total domestic deposits to total assets | 91.4300% | 404 |
| Equity capital to assets | 8.2359% | 3,256 |
| Core capital (leverage) ratio | 12.0998% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0622% | 256 |
| Memoranda: | ||
| Average total assets | $77,207,400 | 4,042 |
| Average earning assets | $71,597,000 | 4,022 |
| Average equity | $5,424,200 | 4,223 |
| Average total loans | $23,490,400 | 4,244 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 4,442 |
| Cost of funding earning assets | 0.2991% | 4,361 |
| Net interest margin | 3.0370% | 3,263 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 3.0508% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4772% | 3,808 |
| Return on assets (ROA) | 0.4772% | 3,814 |
| Pretax return on assets | 0.4772% | 3,942 |
| Return on Equity (ROE) | 7.0900% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.3792% | 3,154 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.4746% | 494 |
| Assets per employee ($millions) | 3.2709% | 4,367 |
| Cash dividends to net income (ytd only)* | 38.2671% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,147 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 30.6100% | 4,302 |
| Net loans and leases to deposits | 33.0255% | 4,343 |
| Net loans and leases to core deposits | 33.1467% | 4,358 |
| Total domestic deposits to total assets | 92.6900% | 354 |
| Equity capital to assets | 6.9533% | 3,635 |
| Core capital (leverage) ratio | 12.0623% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1498% | 248 |
| Memoranda: | ||
| Average total assets | $77,397,750 | 4,056 |
| Average earning assets | $71,778,500 | 4,034 |
| Average equity | $5,206,250 | 4,254 |
| Average total loans | $23,204,000 | 4,268 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2750% | 4,471 |
| Cost of funding earning assets | 0.2513% | 4,378 |
| Net interest margin | 3.0237% | 3,370 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.9928% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4455% | 3,923 |
| Return on assets (ROA) | 0.4455% | 3,930 |
| Pretax return on assets | 0.4455% | 4,053 |
| Return on Equity (ROE) | 6.6900% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.0015% | 3,208 |
| Net charge-offs to loans | -0.0086% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.0439% | 458 |
| Assets per employee ($millions) | 3.7503% | 4,275 |
| Cash dividends to net income (ytd only)* | 40.2299% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,032 |
| Loan loss allowance to noncurrent loans | 29,100.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,894 |
| Noncurrent loans to loans | 0.0044% | 3,784 |
| Net loans and leases to total assets | 30.0100% | 4,331 |
| Net loans and leases to deposits | 32.4446% | 4,363 |
| Net loans and leases to core deposits | 32.5634% | 4,379 |
| Total domestic deposits to total assets | 92.5100% | 322 |
| Equity capital to assets | 7.1648% | 3,706 |
| Core capital (leverage) ratio | 11.9693% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2886% | 232 |
| Memoranda: | ||
| Average total assets | $78,120,000 | 4,067 |
| Average earning assets | $72,428,000 | 4,047 |
| Average equity | $5,198,000 | 4,276 |
| Average total loans | $23,165,667 | 4,283 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 4,524 |
| Cost of funding earning assets | 0.1725% | 4,416 |
| Net interest margin | 2.9373% | 3,727 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.9519% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4117% | 4,070 |
| Return on assets (ROA) | 0.4117% | 4,016 |
| Pretax return on assets | 0.4117% | 4,114 |
| Return on Equity (ROE) | 6.4200% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.6008% | 3,370 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.7612% | 430 |
| Assets per employee ($millions) | 3.7508% | 4,344 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 28.7700% | 4,390 |
| Net loans and leases to deposits | 30.9354% | 4,428 |
| Net loans and leases to core deposits | 30.9354% | 4,447 |
| Total domestic deposits to total assets | 93.0100% | 308 |
| Equity capital to assets | 6.7288% | 3,953 |
| Core capital (leverage) ratio | 11.4075% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6798% | 252 |
| Memoranda: | ||
| Average total assets | $79,677,000 | 4,102 |
| Average earning assets | $74,218,500 | 4,074 |
| Average equity | $5,110,000 | 4,341 |
| Average total loans | $23,346,500 | 4,342 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7303% | 4,381 |
| Cost of funding earning assets | 0.0999% | 4,392 |
| Net interest margin | 2.6305% | 4,136 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.7105% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3341% | 4,335 |
| Return on assets (ROA) | 0.3341% | 4,302 |
| Pretax return on assets | 0.3341% | 4,347 |
| Return on Equity (ROE) | 4.3600% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.5513% | 3,838 |
| Net charge-offs to loans | 0.0081% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 831 |
| Efficiency ratio | 89.0254% | 329 |
| Assets per employee ($millions) | 3.5038% | 4,435 |
| Cash dividends to net income (ytd only)* | 41.5162% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,286 |
| Loan loss allowance to noncurrent loans | 537.0370% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,132 |
| Noncurrent loans to loans | 0.2275% | 2,360 |
| Net loans and leases to total assets | 29.1000% | 4,408 |
| Net loans and leases to deposits | 31.0703% | 4,451 |
| Net loans and leases to core deposits | 31.0703% | 4,472 |
| Total domestic deposits to total assets | 93.6500% | 281 |
| Equity capital to assets | 6.1051% | 4,052 |
| Core capital (leverage) ratio | 11.0513% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2059% | 259 |
| Memoranda: | ||
| Average total assets | $82,899,200 | 4,094 |
| Average earning assets | $76,108,000 | 4,087 |
| Average equity | $6,349,800 | 4,289 |
| Average total loans | $24,709,400 | 4,336 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6152% | 4,380 |
| Cost of funding earning assets | 0.0855% | 4,384 |
| Net interest margin | 2.5297% | 4,185 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.6641% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2763% | 4,406 |
| Return on assets (ROA) | 0.2763% | 4,364 |
| Pretax return on assets | 0.2763% | 4,400 |
| Return on Equity (ROE) | 3.4400% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.0475% | 4,020 |
| Net charge-offs to loans | 0.0160% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 1,193 |
| Efficiency ratio | 90.6029% | 303 |
| Assets per employee ($millions) | 3.6452% | 4,449 |
| Cash dividends to net income (ytd only)* | 40.4624% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,941 |
| Loan loss allowance to noncurrent loans | 1,605.5556% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,724 |
| Noncurrent loans to loans | 0.0695% | 3,379 |
| Net loans and leases to total assets | 31.9400% | 4,377 |
| Net loans and leases to deposits | 34.0399% | 4,421 |
| Net loans and leases to core deposits | 34.4057% | 4,432 |
| Total domestic deposits to total assets | 93.8300% | 386 |
| Equity capital to assets | 5.9181% | 3,994 |
| Core capital (leverage) ratio | 10.9195% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9274% | 273 |
| Memoranda: | ||
| Average total assets | $83,477,000 | 4,115 |
| Average earning assets | $76,422,750 | 4,110 |
| Average equity | $6,707,250 | 4,290 |
| Average total loans | $24,951,750 | 4,358 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4321% | 4,437 |
| Cost of funding earning assets | 0.0803% | 4,376 |
| Net interest margin | 2.3518% | 4,279 |
| Noninterest income to average assets | 0.6172% | 1,667 |
| Noninterest expense to average assets | 2.6226% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1419% | 4,481 |
| Return on assets (ROA) | 0.1419% | 4,446 |
| Pretax return on assets | 0.1419% | 4,457 |
| Return on Equity (ROE) | 1.6302% | 4,389 |
| Retained earnings to average equity (ytd only) | 1.6302% | 3,846 |
| Net charge-offs to loans | 0.0081% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 1,078 |
| Efficiency ratio | 94.8674% | 268 |
| Assets per employee ($millions) | 3.9087% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 30.5487% | 4,445 |
| Net loans and leases to deposits | 32.8538% | 4,475 |
| Net loans and leases to core deposits | 33.2018% | 4,500 |
| Total domestic deposits to total assets | 92.9838% | 521 |
| Equity capital to assets | 6.7798% | 3,892 |
| Core capital (leverage) ratio | 10.8239% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3191% | 262 |
| Memoranda: | ||
| Average total assets | $84,571,000 | 4,146 |
| Average earning assets | $77,218,333 | 4,154 |
| Average equity | $7,361,000 | 4,270 |
| Average total loans | $24,634,667 | 4,416 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3518% | 4,417 |
| Cost of funding earning assets | 0.0823% | 4,329 |
| Net interest margin | 2.2695% | 4,272 |
| Noninterest income to average assets | 0.6153% | 1,626 |
| Noninterest expense to average assets | 2.5497% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1212% | 4,441 |
| Return on assets (ROA) | 0.1212% | 4,410 |
| Pretax return on assets | 0.1212% | 4,420 |
| Return on Equity (ROE) | 1.2592% | 4,381 |
| Retained earnings to average equity (ytd only) | 1.2592% | 3,762 |
| Net charge-offs to loans | 0.0165% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,193 |
| Efficiency ratio | 95.4625% | 344 |
| Assets per employee ($millions) | 3.7457% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.9582% | 4,564 |
| Net loans and leases to deposits | 28.5428% | 4,583 |
| Net loans and leases to core deposits | 28.8373% | 4,600 |
| Total domestic deposits to total assets | 90.9449% | 1,065 |
| Equity capital to assets | 8.8508% | 2,839 |
| Core capital (leverage) ratio | 10.6677% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8579% | 207 |
| Memoranda: | ||
| Average total assets | $85,815,500 | 4,149 |
| Average earning assets | $77,727,000 | 4,167 |
| Average equity | $8,259,000 | 4,244 |
| Average total loans | $24,269,000 | 4,443 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6169% | 4,393 |
| Cost of funding earning assets | 0.0971% | 4,401 |
| Net interest margin | 2.5198% | 4,165 |
| Noninterest income to average assets | 0.7600% | 1,563 |
| Noninterest expense to average assets | 2.4112% | 2,458 |
| Loan and lease loss provision to assets | 0.0087% | 2,906 |
| Net operating income to assets | 0.4527% | 4,179 |
| Return on assets (ROA) | 0.4527% | 4,223 |
| Pretax return on assets | 0.4527% | 4,325 |
| Return on Equity (ROE) | 4.4610% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.2680% | 3,904 |
| Net charge-offs to loans | 0.0314% | 1,610 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 53.1250% | 1,264 |
| Efficiency ratio | 83.9380% | 574 |
| Assets per employee ($millions) | 3.7166% | 4,525 |
| Cash dividends to net income (ytd only)* | 49.1607% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.9388% | 4,505 |
| Net loans and leases to deposits | 33.4952% | 4,539 |
| Net loans and leases to core deposits | 33.8496% | 4,561 |
| Total domestic deposits to total assets | 89.3824% | 1,307 |
| Equity capital to assets | 10.4035% | 2,261 |
| Core capital (leverage) ratio | 11.0635% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6657% | 325 |
| Memoranda: | ||
| Average total assets | $92,111,200 | 4,078 |
| Average earning assets | $77,229,800 | 4,167 |
| Average equity | $9,347,600 | 4,207 |
| Average total loans | $25,437,800 | 4,464 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6585% | 4,447 |
| Cost of funding earning assets | 0.1019% | 4,486 |
| Net interest margin | 2.5565% | 4,197 |
| Noninterest income to average assets | 0.6655% | 1,954 |
| Noninterest expense to average assets | 2.3632% | 2,552 |
| Loan and lease loss provision to assets | 0.0117% | 2,755 |
| Net operating income to assets | 0.3953% | 4,381 |
| Return on assets (ROA) | 0.3953% | 4,413 |
| Pretax return on assets | 0.3953% | 4,503 |
| Return on Equity (ROE) | 3.9176% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.4385% | 3,757 |
| Net charge-offs to loans | 0.0369% | 1,346 |
| Credit loss provision to net charge-offs | 114.2857% | 1,489 |
| Earnings coverage of net charge-offs (x) | 40.8571% | 1,356 |
| Efficiency ratio | 85.3183% | 459 |
| Assets per employee ($millions) | 3.5789% | 4,613 |
| Cash dividends to net income (ytd only)* | 12.2302% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,282 |
| Loan loss allowance to noncurrent loans | 1,542.1053% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,030 |
| Noncurrent loans to loans | 0.0735% | 3,723 |
| Net loans and leases to total assets | 31.0272% | 4,565 |
| Net loans and leases to deposits | 35.1922% | 4,596 |
| Net loans and leases to core deposits | 35.1922% | 4,627 |
| Total domestic deposits to total assets | 88.1650% | 1,740 |
| Equity capital to assets | 11.5969% | 1,606 |
| Core capital (leverage) ratio | 11.1960% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6325% | 316 |
| Memoranda: | ||
| Average total assets | $93,768,750 | 4,105 |
| Average earning assets | $77,185,750 | 4,217 |
| Average equity | $9,461,250 | 4,259 |
| Average total loans | $25,326,250 | 4,527 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7143% | 4,442 |
| Cost of funding earning assets | 0.1059% | 4,530 |
| Net interest margin | 2.6084% | 4,153 |
| Noninterest income to average assets | 0.4755% | 2,733 |
| Noninterest expense to average assets | 2.2892% | 2,799 |
| Loan and lease loss provision to assets | 0.0164% | 2,626 |
| Net operating income to assets | 0.2398% | 4,593 |
| Return on assets (ROA) | 0.2398% | 4,608 |
| Pretax return on assets | 0.2398% | 4,642 |
| Return on Equity (ROE) | 2.4807% | 4,546 |
| Retained earnings to average equity (ytd only) | 1.7598% | 4,173 |
| Net charge-offs to loans | 0.0636% | 979 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,629 |
| Efficiency ratio | 89.9356% | 348 |
| Assets per employee ($millions) | 3.8684% | 4,513 |
| Cash dividends to net income (ytd only)* | 29.0598% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,275 |
| Loan loss allowance to noncurrent loans | 2,433.3333% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,200 |
| Noncurrent loans to loans | 0.0466% | 3,946 |
| Net loans and leases to total assets | 29.9454% | 4,651 |
| Net loans and leases to deposits | 33.7139% | 4,686 |
| Net loans and leases to core deposits | 33.7139% | 4,715 |
| Total domestic deposits to total assets | 88.8220% | 1,372 |
| Equity capital to assets | 10.9571% | 2,012 |
| Core capital (leverage) ratio | 10.6604% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1289% | 337 |
| Memoranda: | ||
| Average total assets | $97,586,667 | 4,085 |
| Average earning assets | $77,443,000 | 4,240 |
| Average equity | $9,433,000 | 4,270 |
| Average total loans | $25,157,333 | 4,566 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4484% | 4,689 |
| Cost of funding earning assets | 0.1099% | 4,587 |
| Net interest margin | 2.3385% | 4,478 |
| Noninterest income to average assets | 0.4430% | 2,857 |
| Noninterest expense to average assets | 2.1382% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0270% | 4,763 |
| Return on assets (ROA) | 0.0270% | 4,771 |
| Pretax return on assets | 0.0270% | 4,773 |
| Return on Equity (ROE) | 0.2951% | 4,765 |
| Retained earnings to average equity (ytd only) | 0.2951% | 4,330 |
| Net charge-offs to loans | -0.0161% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7544% | 205 |
| Assets per employee ($millions) | 5.6683% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 19.2321% | 4,866 |
| Net loans and leases to deposits | 20.8137% | 4,880 |
| Net loans and leases to core deposits | 20.8137% | 4,882 |
| Total domestic deposits to total assets | 92.4011% | 81 |
| Equity capital to assets | 7.4649% | 4,721 |
| Core capital (leverage) ratio | 10.9007% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6883% | 539 |
| Memoranda: | ||
| Average total assets | $103,827,500 | 4,031 |
| Average earning assets | $76,458,000 | 4,274 |
| Average equity | $9,487,000 | 4,276 |
| Average total loans | $24,847,500 | 4,598 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1398% | 4,520 |
| Cost of funding earning assets | 0.1840% | 4,632 |
| Net interest margin | 2.9559% | 3,995 |
| Noninterest income to average assets | 0.5897% | 2,256 |
| Noninterest expense to average assets | 2.9945% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2993% | 4,431 |
| Return on assets (ROA) | 0.3237% | 4,463 |
| Pretax return on assets | 0.3237% | 4,515 |
| Return on Equity (ROE) | 2.6413% | 4,452 |
| Retained earnings to average equity (ytd only) | 1.0062% | 4,227 |
| Net charge-offs to loans | 0.0420% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 21.1818% | 1,910 |
| Efficiency ratio | 90.9126% | 341 |
| Assets per employee ($millions) | 3.6066% | 4,609 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 3,217 |
| Loan loss allowance to noncurrent loans | 1,123.0769% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,204 |
| Noncurrent loans to loans | 0.1023% | 3,883 |
| Net loans and leases to total assets | 30.2910% | 4,742 |
| Net loans and leases to deposits | 34.3570% | 4,774 |
| Net loans and leases to core deposits | 34.3570% | 4,799 |
| Total domestic deposits to total assets | 88.1654% | 1,398 |
| Equity capital to assets | 11.6513% | 1,770 |
| Core capital (leverage) ratio | 11.1813% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2000% | 285 |
| Memoranda: | ||
| Average total assets | $77,842,000 | 4,271 |
| Average earning assets | $71,214,400 | 4,277 |
| Average equity | $9,540,600 | 4,243 |
| Average total loans | $26,216,600 | 4,598 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 4,513 |
| Cost of funding earning assets | 0.1947% | 4,693 |
| Net interest margin | 3.0764% | 3,794 |
| Noninterest income to average assets | 0.5990% | 2,181 |
| Noninterest expense to average assets | 3.1154% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3448% | 4,369 |
| Return on assets (ROA) | 0.3779% | 4,371 |
| Pretax return on assets | 0.3779% | 4,456 |
| Return on Equity (ROE) | 3.0425% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.6124% | 4,052 |
| Net charge-offs to loans | -0.0050% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0352% | 361 |
| Assets per employee ($millions) | 3.1340% | 4,800 |
| Cash dividends to net income (ytd only)* | 47.0046% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,211 |
| Loan loss allowance to noncurrent loans | 1,085.7143% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 4,283 |
| Noncurrent loans to loans | 0.1013% | 3,966 |
| Net loans and leases to total assets | 33.5371% | 4,751 |
| Net loans and leases to deposits | 38.1753% | 4,788 |
| Net loans and leases to core deposits | 38.1753% | 4,819 |
| Total domestic deposits to total assets | 87.8502% | 1,288 |
| Equity capital to assets | 11.9264% | 1,723 |
| Core capital (leverage) ratio | 11.2456% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9271% | 308 |
| Memoranda: | ||
| Average total assets | $76,564,500 | 4,294 |
| Average earning assets | $71,206,250 | 4,293 |
| Average equity | $9,509,500 | 4,265 |
| Average total loans | $26,416,000 | 4,618 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5567% | 4,339 |
| Cost of funding earning assets | 0.2158% | 4,717 |
| Net interest margin | 3.3409% | 3,268 |
| Noninterest income to average assets | 0.6139% | 2,082 |
| Noninterest expense to average assets | 3.2165% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4965% | 4,033 |
| Return on assets (ROA) | 0.5472% | 3,973 |
| Pretax return on assets | 0.5472% | 4,168 |
| Return on Equity (ROE) | 4.3432% | 4,009 |
| Retained earnings to average equity (ytd only) | 2.9025% | 3,430 |
| Net charge-offs to loans | -0.0077% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6283% | 513 |
| Assets per employee ($millions) | 3.1241% | 4,815 |
| Cash dividends to net income (ytd only)* | 33.1707% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,241 |
| Loan loss allowance to noncurrent loans | 307.0707% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 3,922 |
| Noncurrent loans to loans | 0.3477% | 3,155 |
| Net loans and leases to total assets | 34.6794% | 4,761 |
| Net loans and leases to deposits | 39.4325% | 4,808 |
| Net loans and leases to core deposits | 39.4325% | 4,833 |
| Total domestic deposits to total assets | 87.9461% | 1,205 |
| Equity capital to assets | 11.8249% | 1,768 |
| Core capital (leverage) ratio | 11.7043% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2563% | 300 |
| Memoranda: | ||
| Average total assets | $74,925,000 | 4,320 |
| Average earning assets | $69,502,333 | 4,323 |
| Average equity | $9,440,000 | 4,290 |
| Average total loans | $26,011,000 | 4,648 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 4,651 |
| Cost of funding earning assets | 0.2471% | 4,779 |
| Net interest margin | 3.2301% | 3,784 |
| Noninterest income to average assets | 0.7022% | 1,643 |
| Noninterest expense to average assets | 3.3661% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3232% | 4,300 |
| Return on assets (ROA) | 0.4291% | 4,110 |
| Pretax return on assets | 0.4291% | 4,242 |
| Return on Equity (ROE) | 3.2915% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.7954% | 3,514 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2387% | 453 |
| Assets per employee ($millions) | 2.5791% | 4,937 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,288 |
| Loan loss allowance to noncurrent loans | 30,300.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,647 |
| Noncurrent loans to loans | 0.0042% | 4,562 |
| Net loans and leases to total assets | 32.6345% | 4,850 |
| Net loans and leases to deposits | 37.7567% | 4,872 |
| Net loans and leases to core deposits | 38.0665% | 4,899 |
| Total domestic deposits to total assets | 86.4336% | 1,809 |
| Equity capital to assets | 13.3366% | 1,292 |
| Core capital (leverage) ratio | 12.6050% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7853% | 266 |
| Memoranda: | ||
| Average total assets | $71,774,000 | 4,381 |
| Average earning assets | $66,376,500 | 4,379 |
| Average equity | $9,357,500 | 4,318 |
| Average total loans | $24,780,000 | 4,699 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,593 |
| Cost of funding earning assets | 0.2676% | 4,807 |
| Net interest margin | 3.5101% | 3,417 |
| Noninterest income to average assets | 0.7345% | 1,687 |
| Noninterest expense to average assets | 3.3026% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6687% | 3,956 |
| Return on assets (ROA) | 0.6687% | 4,033 |
| Pretax return on assets | 0.6687% | 4,283 |
| Return on Equity (ROE) | 5.3831% | 4,112 |
| Retained earnings to average equity (ytd only) | 1.9411% | 4,023 |
| Net charge-offs to loans | 0.0761% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 23.8500% | 1,800 |
| Efficiency ratio | 83.1627% | 716 |
| Assets per employee ($millions) | 2.7436% | 4,931 |
| Cash dividends to net income (ytd only)* | 63.9413% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,552 |
| Loan loss allowance to noncurrent loans | 2,330.7692% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,566 |
| Noncurrent loans to loans | 0.0506% | 4,343 |
| Net loans and leases to total assets | 35.5894% | 4,850 |
| Net loans and leases to deposits | 40.8881% | 4,888 |
| Net loans and leases to core deposits | 41.0574% | 4,926 |
| Total domestic deposits to total assets | 87.0411% | 1,586 |
| Equity capital to assets | 12.7346% | 1,685 |
| Core capital (leverage) ratio | 12.5224% | 1,480 |
| Tier 1 risk-based capital ratio | 28.8603% | 522 |
| Total risk-based capital ratio | 29.8361% | 521 |
| Memoranda: | ||
| Average total assets | $71,336,800 | 4,407 |
| Average earning assets | $65,781,600 | 4,409 |
| Average equity | $8,861,000 | 4,396 |
| Average total loans | $26,287,400 | 4,723 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,664 |
| Cost of funding earning assets | 0.2637% | 4,892 |
| Net interest margin | 3.5475% | 3,414 |
| Noninterest income to average assets | 0.7345% | 1,647 |
| Noninterest expense to average assets | 3.1156% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8878% | 3,391 |
| Return on assets (ROA) | 0.8878% | 3,466 |
| Pretax return on assets | 0.8878% | 3,919 |
| Return on Equity (ROE) | 7.1925% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.3912% | 3,202 |
| Net charge-offs to loans | 0.0555% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 43.1711% | 1,298 |
| Efficiency ratio | 77.8245% | 1,123 |
| Assets per employee ($millions) | 2.7659% | 4,986 |
| Cash dividends to net income (ytd only)* | 38.9471% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,661 |
| Loan loss allowance to noncurrent loans | 567.2727% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,336 |
| Noncurrent loans to loans | 0.2062% | 3,798 |
| Net loans and leases to total assets | 36.6535% | 4,916 |
| Net loans and leases to deposits | 42.1609% | 4,954 |
| Net loans and leases to core deposits | 42.3336% | 4,989 |
| Total domestic deposits to total assets | 86.9372% | 1,551 |
| Equity capital to assets | 12.8014% | 1,729 |
| Core capital (leverage) ratio | 12.8290% | 1,420 |
| Tier 1 risk-based capital ratio | 28.9117% | 518 |
| Total risk-based capital ratio | 29.9051% | 523 |
| Memoranda: | ||
| Average total assets | $71,337,750 | 4,462 |
| Average earning assets | $65,734,750 | 4,465 |
| Average equity | $8,805,250 | 4,451 |
| Average total loans | $26,436,750 | 4,788 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 4,718 |
| Cost of funding earning assets | 0.2499% | 4,959 |
| Net interest margin | 3.5412% | 3,462 |
| Noninterest income to average assets | 0.7253% | 1,623 |
| Noninterest expense to average assets | 3.0669% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9249% | 3,190 |
| Return on assets (ROA) | 0.9249% | 3,248 |
| Pretax return on assets | 0.9249% | 3,775 |
| Return on Equity (ROE) | 7.5879% | 3,459 |
| Retained earnings to average equity (ytd only) | 4.7050% | 2,915 |
| Net charge-offs to loans | 0.0759% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 32.9000% | 1,394 |
| Efficiency ratio | 76.8310% | 1,295 |
| Assets per employee ($millions) | 2.7538% | 5,039 |
| Cash dividends to net income (ytd only)* | 37.9939% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,574 |
| Loan loss allowance to noncurrent loans | 1,647.3684% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,644 |
| Noncurrent loans to loans | 0.0723% | 4,357 |
| Net loans and leases to total assets | 36.2673% | 4,966 |
| Net loans and leases to deposits | 41.6518% | 5,005 |
| Net loans and leases to core deposits | 41.8215% | 5,048 |
| Total domestic deposits to total assets | 87.0724% | 1,565 |
| Equity capital to assets | 12.6985% | 1,743 |
| Core capital (leverage) ratio | 12.5908% | 1,493 |
| Tier 1 risk-based capital ratio | 28.5343% | 540 |
| Total risk-based capital ratio | 29.5273% | 539 |
| Memoranda: | ||
| Average total assets | $71,145,670 | 4,498 |
| Average earning assets | $65,627,000 | 4,503 |
| Average equity | $8,671,670 | 4,486 |
| Average total loans | $26,358,670 | 4,824 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 4,707 |
| Cost of funding earning assets | 0.2323% | 5,034 |
| Net interest margin | 3.5707% | 3,361 |
| Noninterest income to average assets | 0.7276% | 1,517 |
| Noninterest expense to average assets | 2.9837% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0378% | 2,703 |
| Return on assets (ROA) | 1.0378% | 2,745 |
| Pretax return on assets | 1.0378% | 3,316 |
| Return on Equity (ROE) | 8.6982% | 2,947 |
| Retained earnings to average equity (ytd only) | 5.3891% | 2,742 |
| Net charge-offs to loans | 0.1364% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.4444% | 1,556 |
| Efficiency ratio | 74.1935% | 1,738 |
| Assets per employee ($millions) | 2.7740% | 5,085 |
| Cash dividends to net income (ytd only)* | 38.0435% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,582 |
| Loan loss allowance to noncurrent loans | 826.3158% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,561 |
| Noncurrent loans to loans | 0.1451% | 4,086 |
| Net loans and leases to total assets | 35.8757% | 5,021 |
| Net loans and leases to deposits | 40.8026% | 5,066 |
| Net loans and leases to core deposits | 40.9654% | 5,095 |
| Total domestic deposits to total assets | 87.9250% | 1,379 |
| Equity capital to assets | 11.9017% | 2,086 |
| Core capital (leverage) ratio | 12.6429% | 1,436 |
| Tier 1 risk-based capital ratio | 28.9246% | 512 |
| Total risk-based capital ratio | 29.9448% | 520 |
| Memoranda: | ||
| Average total assets | $70,919,000 | 4,552 |
| Average earning assets | $65,422,000 | 4,552 |
| Average equity | $8,461,500 | 4,545 |
| Average total loans | $26,398,000 | 4,874 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,642 |
| Cost of funding earning assets | 0.1705% | 5,111 |
| Net interest margin | 3.5480% | 3,552 |
| Noninterest income to average assets | 0.8264% | 1,382 |
| Noninterest expense to average assets | 3.2051% | 1,537 |
| Loan and lease loss provision to assets | 0.0142% | 3,860 |
| Net operating income to assets | 0.8759% | 3,517 |
| Return on assets (ROA) | 0.8759% | 3,508 |
| Pretax return on assets | 0.8759% | 3,963 |
| Return on Equity (ROE) | 7.5536% | 3,638 |
| Retained earnings to average equity (ytd only) | 3.1483% | 3,818 |
| Net charge-offs to loans | 0.3151% | 613 |
| Credit loss provision to net charge-offs | 11.4943% | 3,425 |
| Earnings coverage of net charge-offs (x) | 7.2299% | 3,009 |
| Efficiency ratio | 78.2654% | 1,103 |
| Assets per employee ($millions) | 2.7886% | 5,097 |
| Cash dividends to net income (ytd only)* | 58.3199% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,497 |
| Loan loss allowance to noncurrent loans | 235.7664% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 3,839 |
| Noncurrent loans to loans | 0.5149% | 2,735 |
| Net loans and leases to total assets | 37.7026% | 5,023 |
| Net loans and leases to deposits | 42.9141% | 5,051 |
| Net loans and leases to core deposits | 43.0914% | 5,102 |
| Total domestic deposits to total assets | 87.8561% | 1,368 |
| Equity capital to assets | 11.9617% | 1,924 |
| Core capital (leverage) ratio | 12.5588% | 1,427 |
| Tier 1 risk-based capital ratio | 28.4517% | 540 |
| Total risk-based capital ratio | 29.4973% | 545 |
| Memoranda: | ||
| Average total assets | $70,669,400 | 4,574 |
| Average earning assets | $65,106,600 | 4,575 |
| Average equity | $8,194,800 | 4,578 |
| Average total loans | $27,611,000 | 4,874 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,709 |
| Cost of funding earning assets | 0.1591% | 5,194 |
| Net interest margin | 3.5049% | 3,683 |
| Noninterest income to average assets | 0.8292% | 1,382 |
| Noninterest expense to average assets | 3.1270% | 1,694 |
| Loan and lease loss provision to assets | 0.0188% | 3,631 |
| Net operating income to assets | 0.9138% | 3,462 |
| Return on assets (ROA) | 0.9138% | 3,469 |
| Pretax return on assets | 0.9138% | 3,967 |
| Return on Equity (ROE) | 7.9421% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.9843% | 3,246 |
| Net charge-offs to loans | 0.5168% | 296 |
| Credit loss provision to net charge-offs | 9.2593% | 3,056 |
| Earnings coverage of net charge-offs (x) | 4.5925% | 3,042 |
| Efficiency ratio | 77.0264% | 1,222 |
| Assets per employee ($millions) | 2.7918% | 5,157 |
| Cash dividends to net income (ytd only)* | 37.2434% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,001 |
| Loan loss allowance to noncurrent loans | 269.6429% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,449 |
| Noncurrent loans to loans | 0.4208% | 3,149 |
| Net loans and leases to total assets | 37.7013% | 5,090 |
| Net loans and leases to deposits | 42.8002% | 5,134 |
| Net loans and leases to core deposits | 42.9764% | 5,182 |
| Total domestic deposits to total assets | 88.0867% | 1,205 |
| Equity capital to assets | 11.7012% | 2,102 |
| Core capital (leverage) ratio | 12.4002% | 1,556 |
| Tier 1 risk-based capital ratio | 28.1235% | 563 |
| Total risk-based capital ratio | 29.0848% | 570 |
| Memoranda: | ||
| Average total assets | $70,908,250 | 4,615 |
| Average earning assets | $65,355,000 | 4,619 |
| Average equity | $8,158,750 | 4,628 |
| Average total loans | $27,862,000 | 4,921 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 4,755 |
| Cost of funding earning assets | 0.1400% | 5,282 |
| Net interest margin | 3.4667% | 3,744 |
| Noninterest income to average assets | 0.8446% | 1,334 |
| Noninterest expense to average assets | 3.1398% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9007% | 3,453 |
| Return on assets (ROA) | 0.9007% | 3,461 |
| Pretax return on assets | 0.9007% | 3,966 |
| Return on Equity (ROE) | 7.8715% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.0515% | 3,052 |
| Net charge-offs to loans | 0.0566% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 1,297 |
| Efficiency ratio | 77.7083% | 1,223 |
| Assets per employee ($millions) | 2.8693% | 5,182 |
| Cash dividends to net income (ytd only)* | 35.8255% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,596 |
| Loan loss allowance to noncurrent loans | 131.9865% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 3,068 |
| Noncurrent loans to loans | 1.0912% | 1,617 |
| Net loans and leases to total assets | 37.3975% | 5,143 |
| Net loans and leases to deposits | 42.2696% | 5,182 |
| Net loans and leases to core deposits | 42.4375% | 5,230 |
| Total domestic deposits to total assets | 88.4738% | 1,154 |
| Equity capital to assets | 11.3269% | 2,338 |
| Core capital (leverage) ratio | 12.0830% | 1,660 |
| Tier 1 risk-based capital ratio | 27.2529% | 593 |
| Total risk-based capital ratio | 28.4756% | 588 |
| Memoranda: | ||
| Average total assets | $71,279,000 | 4,663 |
| Average earning assets | $65,711,000 | 4,665 |
| Average equity | $8,156,000 | 4,671 |
| Average total loans | $28,277,330 | 4,967 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,734 |
| Cost of funding earning assets | 0.1346% | 5,339 |
| Net interest margin | 3.4508% | 3,700 |
| Noninterest income to average assets | 0.8332% | 1,357 |
| Noninterest expense to average assets | 3.1695% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8388% | 3,563 |
| Return on assets (ROA) | 0.8388% | 3,576 |
| Pretax return on assets | 0.8388% | 4,058 |
| Return on Equity (ROE) | 7.2936% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.6503% | 3,337 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0730% | 1,251 |
| Assets per employee ($millions) | 2.8304% | 5,267 |
| Cash dividends to net income (ytd only)* | 36.2416% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,766 |
| Loan loss allowance to noncurrent loans | 129.8701% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,100 |
| Noncurrent loans to loans | 1.0924% | 1,677 |
| Net loans and leases to total assets | 39.2807% | 5,096 |
| Net loans and leases to deposits | 44.4450% | 5,141 |
| Net loans and leases to core deposits | 44.8046% | 5,190 |
| Total domestic deposits to total assets | 88.3804% | 1,417 |
| Equity capital to assets | 11.4344% | 2,186 |
| Core capital (leverage) ratio | 11.8270% | 1,760 |
| Tier 1 risk-based capital ratio | 26.3566% | 657 |
| Total risk-based capital ratio | 27.5788% | 649 |
| Memoranda: | ||
| Average total assets | $71,052,500 | 4,723 |
| Average earning assets | $65,375,500 | 4,726 |
| Average equity | $8,171,500 | 4,717 |
| Average total loans | $28,807,000 | 4,997 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4109% | 4,926 |
| Cost of funding earning assets | 0.1041% | 5,480 |
| Net interest margin | 3.3068% | 4,140 |
| Noninterest income to average assets | 0.8294% | 1,467 |
| Noninterest expense to average assets | 3.2001% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6682% | 3,736 |
| Return on assets (ROA) | 0.6682% | 3,784 |
| Pretax return on assets | 0.6682% | 4,586 |
| Return on Equity (ROE) | 5.8573% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.2639% | 3,960 |
| Net charge-offs to loans | 0.0067% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 244.5000% | 343 |
| Efficiency ratio | 82.7270% | 877 |
| Assets per employee ($millions) | 2.6424% | 5,404 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 1,932 |
| Loan loss allowance to noncurrent loans | 132.4503% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 3,171 |
| Noncurrent loans to loans | 1.0265% | 1,730 |
| Net loans and leases to total assets | 40.6742% | 5,103 |
| Net loans and leases to deposits | 46.0846% | 5,190 |
| Net loans and leases to core deposits | 46.7234% | 5,225 |
| Total domestic deposits to total assets | 88.2599% | 1,368 |
| Equity capital to assets | 11.5663% | 2,142 |
| Core capital (leverage) ratio | 11.7871% | 1,737 |
| Tier 1 risk-based capital ratio | 25.7415% | 680 |
| Total risk-based capital ratio | 26.9485% | 671 |
| Memoranda: | ||
| Average total assets | $73,184,800 | 4,720 |
| Average earning assets | $67,255,600 | 4,718 |
| Average equity | $8,348,600 | 4,726 |
| Average total loans | $29,985,600 | 5,027 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 4,996 |
| Cost of funding earning assets | 0.0965% | 5,564 |
| Net interest margin | 3.2798% | 4,233 |
| Noninterest income to average assets | 0.8238% | 1,503 |
| Noninterest expense to average assets | 3.1266% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7115% | 3,916 |
| Return on assets (ROA) | 0.7115% | 3,979 |
| Pretax return on assets | 0.7115% | 4,581 |
| Return on Equity (ROE) | 6.2583% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.8537% | 3,631 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4623% | 959 |
| Assets per employee ($millions) | 2.6874% | 5,442 |
| Cash dividends to net income (ytd only)* | 38.4225% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 2,340 |
| Loan loss allowance to noncurrent loans | 289.2086% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 4,337 |
| Noncurrent loans to loans | 0.4507% | 3,350 |
| Net loans and leases to total assets | 41.9495% | 5,116 |
| Net loans and leases to deposits | 47.6973% | 5,196 |
| Net loans and leases to core deposits | 48.3481% | 5,250 |
| Total domestic deposits to total assets | 87.9494% | 1,389 |
| Equity capital to assets | 11.8549% | 2,069 |
| Core capital (leverage) ratio | 12.0357% | 1,664 |
| Tier 1 risk-based capital ratio | 23.4088% | 905 |
| Total risk-based capital ratio | 24.5078% | 908 |
| Memoranda: | ||
| Average total assets | $73,644,750 | 4,762 |
| Average earning assets | $67,685,000 | 4,757 |
| Average equity | $8,372,750 | 4,773 |
| Average total loans | $30,127,250 | 5,075 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 5,086 |
| Cost of funding earning assets | 0.0884% | 5,636 |
| Net interest margin | 3.2237% | 4,341 |
| Noninterest income to average assets | 0.8107% | 1,533 |
| Noninterest expense to average assets | 3.0943% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6729% | 3,966 |
| Return on assets (ROA) | 0.6729% | 4,028 |
| Pretax return on assets | 0.6729% | 4,618 |
| Return on Equity (ROE) | 6.0027% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.5678% | 3,584 |
| Net charge-offs to loans | 0.0134% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 563 |
| Efficiency ratio | 82.1377% | 994 |
| Assets per employee ($millions) | 2.7356% | 5,458 |
| Cash dividends to net income (ytd only)* | 40.5622% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,139 |
| Loan loss allowance to noncurrent loans | 121.5805% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 3,331 |
| Noncurrent loans to loans | 1.1155% | 1,758 |
| Net loans and leases to total assets | 39.3902% | 5,245 |
| Net loans and leases to deposits | 44.6131% | 5,321 |
| Net loans and leases to core deposits | 45.0323% | 5,372 |
| Total domestic deposits to total assets | 88.2929% | 1,312 |
| Equity capital to assets | 11.5203% | 2,306 |
| Core capital (leverage) ratio | 11.5187% | 1,957 |
| Tier 1 risk-based capital ratio | 24.1998% | 832 |
| Total risk-based capital ratio | 25.3399% | 819 |
| Memoranda: | ||
| Average total assets | $74,006,000 | 4,785 |
| Average earning assets | $67,871,330 | 4,788 |
| Average equity | $8,296,330 | 4,803 |
| Average total loans | $29,889,330 | 5,119 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2693% | 5,150 |
| Cost of funding earning assets | 0.0829% | 5,708 |
| Net interest margin | 3.1864% | 4,384 |
| Noninterest income to average assets | 0.8262% | 1,466 |
| Noninterest expense to average assets | 3.0508% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6804% | 3,791 |
| Return on assets (ROA) | 0.6804% | 3,828 |
| Pretax return on assets | 0.6804% | 4,506 |
| Return on Equity (ROE) | 6.1538% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.7118% | 3,587 |
| Net charge-offs to loans | 0.0532% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,187 |
| Efficiency ratio | 81.7656% | 1,189 |
| Assets per employee ($millions) | 2.8804% | 5,442 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,253 |
| Loan loss allowance to noncurrent loans | 250.3145% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 2,357 |
| Noncurrent loans to loans | 0.5440% | 3,188 |
| Net loans and leases to total assets | 38.4978% | 5,306 |
| Net loans and leases to deposits | 43.3484% | 5,380 |
| Net loans and leases to core deposits | 43.7649% | 5,417 |
| Total domestic deposits to total assets | 88.8103% | 1,250 |
| Equity capital to assets | 11.0375% | 2,590 |
| Core capital (leverage) ratio | 11.3945% | 2,031 |
| Tier 1 risk-based capital ratio | 24.0446% | 867 |
| Total risk-based capital ratio | 25.1814% | 857 |
| Memoranda: | ||
| Average total assets | $74,078,500 | 4,828 |
| Average earning assets | $67,538,000 | 4,841 |
| Average equity | $8,190,000 | 4,864 |
| Average total loans | $30,087,000 | 5,158 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 5,008 |
| Cost of funding earning assets | 0.0905% | 5,742 |
| Net interest margin | 3.2960% | 4,155 |
| Noninterest income to average assets | 0.8264% | 1,656 |
| Noninterest expense to average assets | 3.1510% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7095% | 3,740 |
| Return on assets (ROA) | 0.7095% | 3,860 |
| Pretax return on assets | 0.7095% | 4,460 |
| Return on Equity (ROE) | 6.2860% | 3,855 |
| Retained earnings to average equity (ytd only) | 2.5477% | 4,067 |
| Net charge-offs to loans | 0.1641% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.1538% | 2,671 |
| Efficiency ratio | 81.6220% | 1,248 |
| Assets per employee ($millions) | 2.8180% | 5,475 |
| Cash dividends to net income (ytd only)* | 59.4697% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,552 |
| Loan loss allowance to noncurrent loans | 59.9106% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 2,074 |
| Noncurrent loans to loans | 2.1684% | 790 |
| Net loans and leases to total assets | 41.6873% | 5,245 |
| Net loans and leases to deposits | 46.9748% | 5,335 |
| Net loans and leases to core deposits | 47.4476% | 5,391 |
| Total domestic deposits to total assets | 88.7439% | 1,239 |
| Equity capital to assets | 11.0746% | 2,564 |
| Core capital (leverage) ratio | 11.4446% | 1,974 |
| Tier 1 risk-based capital ratio | 23.1827% | 952 |
| Total risk-based capital ratio | 24.2998% | 946 |
| Memoranda: | ||
| Average total assets | $74,420,600 | 4,838 |
| Average earning assets | $68,507,200 | 4,838 |
| Average equity | $8,399,600 | 4,864 |
| Average total loans | $31,688,400 | 5,144 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4187% | 4,988 |
| Cost of funding earning assets | 0.0930% | 5,798 |
| Net interest margin | 3.3257% | 4,112 |
| Noninterest income to average assets | 0.8120% | 1,712 |
| Noninterest expense to average assets | 3.0875% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7870% | 3,427 |
| Return on assets (ROA) | 0.7870% | 3,566 |
| Pretax return on assets | 0.7870% | 4,344 |
| Return on Equity (ROE) | 6.9412% | 3,591 |
| Retained earnings to average equity (ytd only) | 4.2025% | 3,335 |
| Net charge-offs to loans | 0.2259% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.1665% | 2,802 |
| Efficiency ratio | 79.6868% | 1,474 |
| Assets per employee ($millions) | 2.8223% | 5,541 |
| Cash dividends to net income (ytd only)* | 39.4548% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,953 |
| Loan loss allowance to noncurrent loans | 149.2537% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 3,957 |
| Noncurrent loans to loans | 0.8380% | 2,587 |
| Net loans and leases to total assets | 43.0349% | 5,250 |
| Net loans and leases to deposits | 48.9658% | 5,349 |
| Net loans and leases to core deposits | 49.4620% | 5,406 |
| Total domestic deposits to total assets | 87.8877% | 1,457 |
| Equity capital to assets | 11.9106% | 2,178 |
| Core capital (leverage) ratio | 11.5178% | 2,016 |
| Tier 1 risk-based capital ratio | 22.9553% | 1,008 |
| Total risk-based capital ratio | 24.0491% | 1,016 |
| Memoranda: | ||
| Average total assets | $74,709,000 | 4,871 |
| Average earning assets | $68,795,750 | 4,868 |
| Average equity | $8,471,000 | 4,898 |
| Average total loans | $31,874,250 | 5,186 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 5,041 |
| Cost of funding earning assets | 0.1010% | 5,851 |
| Net interest margin | 3.3164% | 4,172 |
| Noninterest income to average assets | 0.7851% | 1,786 |
| Noninterest expense to average assets | 3.0924% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7505% | 3,546 |
| Return on assets (ROA) | 0.7505% | 3,701 |
| Pretax return on assets | 0.7505% | 4,452 |
| Return on Equity (ROE) | 6.7292% | 3,683 |
| Retained earnings to average equity (ytd only) | 4.1044% | 3,291 |
| Net charge-offs to loans | 0.3580% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.9474% | 2,915 |
| Efficiency ratio | 80.4709% | 1,449 |
| Assets per employee ($millions) | 2.8643% | 5,559 |
| Cash dividends to net income (ytd only)* | 39.0071% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,894 |
| Loan loss allowance to noncurrent loans | 141.7857% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,983 |
| Noncurrent loans to loans | 0.9035% | 2,478 |
| Net loans and leases to total assets | 41.0780% | 5,375 |
| Net loans and leases to deposits | 46.5681% | 5,481 |
| Net loans and leases to core deposits | 46.8047% | 5,539 |
| Total domestic deposits to total assets | 88.2105% | 1,311 |
| Equity capital to assets | 11.5827% | 2,461 |
| Core capital (leverage) ratio | 11.0462% | 2,390 |
| Tier 1 risk-based capital ratio | 23.3573% | 976 |
| Total risk-based capital ratio | 24.4745% | 971 |
| Memoranda: | ||
| Average total assets | $75,152,000 | 4,909 |
| Average earning assets | $69,292,330 | 4,905 |
| Average equity | $8,381,330 | 4,950 |
| Average total loans | $31,839,330 | 5,235 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 5,280 |
| Cost of funding earning assets | 0.1091% | 5,872 |
| Net interest margin | 3.2111% | 4,549 |
| Noninterest income to average assets | 0.7365% | 1,874 |
| Noninterest expense to average assets | 3.0679% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6305% | 4,058 |
| Return on assets (ROA) | 0.6305% | 4,173 |
| Pretax return on assets | 0.6305% | 4,728 |
| Return on Equity (ROE) | 5.7634% | 4,095 |
| Retained earnings to average equity (ytd only) | 3.7293% | 3,625 |
| Net charge-offs to loans | -0.0868% | 5,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9513% | 1,265 |
| Assets per employee ($millions) | 2.9031% | 5,596 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 2,168 |
| Loan loss allowance to noncurrent loans | 185.8871% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 4,251 |
| Noncurrent loans to loans | 0.7839% | 2,880 |
| Net loans and leases to total assets | 41.3010% | 5,382 |
| Net loans and leases to deposits | 46.5909% | 5,484 |
| Net loans and leases to core deposits | 46.8219% | 5,557 |
| Total domestic deposits to total assets | 88.6460% | 1,280 |
| Equity capital to assets | 11.1619% | 2,758 |
| Core capital (leverage) ratio | 10.7654% | 2,657 |
| Tier 1 risk-based capital ratio | 22.3359% | 1,115 |
| Total risk-based capital ratio | 23.5853% | 1,093 |
| Memoranda: | ||
| Average total assets | $75,491,500 | 4,947 |
| Average earning assets | $69,633,500 | 4,935 |
| Average equity | $8,259,000 | 5,006 |
| Average total loans | $32,264,500 | 5,262 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 5,334 |
| Cost of funding earning assets | 0.1180% | 5,887 |
| Net interest margin | 3.1904% | 4,662 |
| Noninterest income to average assets | 0.7403% | 2,025 |
| Noninterest expense to average assets | 2.9829% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7699% | 3,466 |
| Return on assets (ROA) | 0.7699% | 3,550 |
| Pretax return on assets | 0.7171% | 4,480 |
| Return on Equity (ROE) | 7.3973% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.7605% | 3,368 |
| Net charge-offs to loans | 0.0519% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 32.7647% | 1,368 |
| Efficiency ratio | 80.6193% | 1,595 |
| Assets per employee ($millions) | 2.9040% | 5,609 |
| Cash dividends to net income (ytd only)* | 49.1639% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.9652% | 5,353 |
| Net loans and leases to deposits | 48.2307% | 5,475 |
| Net loans and leases to core deposits | 48.4671% | 5,545 |
| Total domestic deposits to total assets | 89.0826% | 1,079 |
| Equity capital to assets | 10.7188% | 3,110 |
| Core capital (leverage) ratio | 10.8431% | 2,569 |
| Tier 1 risk-based capital ratio | 21.9285% | 1,162 |
| Total risk-based capital ratio | 23.1533% | 1,143 |
| Memoranda: | ||
| Average total assets | $77,676,200 | 4,917 |
| Average earning assets | $72,061,000 | 4,892 |
| Average equity | $8,084,000 | 5,045 |
| Average total loans | $32,739,400 | 5,268 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 5,407 |
| Cost of funding earning assets | 0.1192% | 5,983 |
| Net interest margin | 3.1807% | 4,733 |
| Noninterest income to average assets | 0.7330% | 2,093 |
| Noninterest expense to average assets | 2.9438% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8148% | 3,360 |
| Return on assets (ROA) | 0.8148% | 3,450 |
| Pretax return on assets | 0.7449% | 4,519 |
| Return on Equity (ROE) | 7.8859% | 3,139 |
| Retained earnings to average equity (ytd only) | 4.5203% | 3,254 |
| Net charge-offs to loans | 0.0408% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 43.7097% | 1,154 |
| Efficiency ratio | 79.8059% | 1,684 |
| Assets per employee ($millions) | 2.9222% | 5,631 |
| Cash dividends to net income (ytd only)* | 42.6771% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 2,481 |
| Loan loss allowance to noncurrent loans | 5,122.2222% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,759 |
| Noncurrent loans to loans | 0.0278% | 5,517 |
| Net loans and leases to total assets | 41.9872% | 5,490 |
| Net loans and leases to deposits | 47.2551% | 5,605 |
| Net loans and leases to core deposits | 47.4852% | 5,674 |
| Total domestic deposits to total assets | 88.8520% | 1,098 |
| Equity capital to assets | 10.9150% | 3,110 |
| Core capital (leverage) ratio | 10.4186% | 3,145 |
| Tier 1 risk-based capital ratio | 22.4473% | 1,135 |
| Total risk-based capital ratio | 23.6973% | 1,112 |
| Memoranda: | ||
| Average total assets | $78,219,500 | 4,963 |
| Average earning assets | $72,685,750 | 4,937 |
| Average equity | $8,081,750 | 5,109 |
| Average total loans | $32,700,750 | 5,334 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 5,494 |
| Cost of funding earning assets | 0.1198% | 6,044 |
| Net interest margin | 3.1513% | 4,824 |
| Noninterest income to average assets | 0.7168% | 2,146 |
| Noninterest expense to average assets | 2.9025% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8485% | 3,132 |
| Return on assets (ROA) | 0.8485% | 3,233 |
| Pretax return on assets | 0.7446% | 4,512 |
| Return on Equity (ROE) | 8.3632% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.0678% | 2,820 |
| Net charge-offs to loans | -0.0061% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5833% | 1,816 |
| Assets per employee ($millions) | 2.9385% | 5,667 |
| Cash dividends to net income (ytd only)* | 39.4030% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 2,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.6912% | 5,650 |
| Net loans and leases to deposits | 44.3017% | 5,753 |
| Net loans and leases to core deposits | 44.5052% | 5,821 |
| Total domestic deposits to total assets | 89.5929% | 851 |
| Equity capital to assets | 10.1865% | 3,819 |
| Core capital (leverage) ratio | 10.0428% | 3,538 |
| Tier 1 risk-based capital ratio | 21.6198% | 1,265 |
| Total risk-based capital ratio | 22.8722% | 1,248 |
| Memoranda: | ||
| Average total assets | $78,966,670 | 4,999 |
| Average earning assets | $73,429,670 | 4,971 |
| Average equity | $8,011,330 | 5,162 |
| Average total loans | $32,813,670 | 5,378 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2493% | 5,557 |
| Cost of funding earning assets | 0.1201% | 6,114 |
| Net interest margin | 3.1292% | 4,856 |
| Noninterest income to average assets | 0.7058% | 2,144 |
| Noninterest expense to average assets | 2.8637% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9596% | 2,448 |
| Return on assets (ROA) | 0.9596% | 2,583 |
| Pretax return on assets | 0.7515% | 4,423 |
| Return on Equity (ROE) | 9.4784% | 2,229 |
| Retained earnings to average equity (ytd only) | 6.4694% | 2,252 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2135% | 1,996 |
| Assets per employee ($millions) | 3.1027% | 5,541 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 2,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.4860% | 5,626 |
| Net loans and leases to deposits | 44.0013% | 5,758 |
| Net loans and leases to core deposits | 44.1985% | 5,836 |
| Total domestic deposits to total assets | 89.7383% | 881 |
| Equity capital to assets | 10.0609% | 4,076 |
| Core capital (leverage) ratio | 10.0422% | 3,545 |
| Tier 1 risk-based capital ratio | 21.3674% | 1,356 |
| Total risk-based capital ratio | 22.6165% | 1,330 |
| Memoranda: | ||
| Average total assets | $78,780,000 | 5,051 |
| Average earning assets | $73,246,500 | 5,019 |
| Average equity | $7,976,000 | 5,217 |
| Average total loans | $33,239,000 | 5,396 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 5,211 |
| Cost of funding earning assets | 0.1296% | 6,200 |
| Net interest margin | 3.4165% | 4,128 |
| Noninterest income to average assets | 0.8162% | 1,806 |
| Noninterest expense to average assets | 3.1800% | 2,259 |
| Loan and lease loss provision to assets | -0.0538% | 6,052 |
| Net operating income to assets | 0.5795% | 4,459 |
| Return on assets (ROA) | 0.5795% | 4,546 |
| Pretax return on assets | 0.8081% | 4,225 |
| Return on Equity (ROE) | 5.6216% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.9608% | 4,140 |
| Net charge-offs to loans | -0.4647% | 6,385 |
| Credit loss provision to net charge-offs | 25.1572% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8271% | 1,799 |
| Assets per employee ($millions) | 2.9573% | 5,753 |
| Cash dividends to net income (ytd only)* | 47.3318% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.8062% | 5,476 |
| Net loans and leases to deposits | 49.0049% | 5,632 |
| Net loans and leases to core deposits | 49.2355% | 5,750 |
| Total domestic deposits to total assets | 89.3915% | 1,023 |
| Equity capital to assets | 10.1910% | 3,863 |
| Core capital (leverage) ratio | 10.2472% | 3,249 |
| Tier 1 risk-based capital ratio | 20.4763% | 1,512 |
| Total risk-based capital ratio | 21.7088% | 1,486 |
| Memoranda: | ||
| Average total assets | $74,370,600 | 5,184 |
| Average earning assets | $67,876,000 | 5,177 |
| Average equity | $7,666,800 | 5,278 |
| Average total loans | $34,212,800 | 5,389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5676% | 5,221 |
| Cost of funding earning assets | 0.1315% | 6,283 |
| Net interest margin | 3.4362% | 4,088 |
| Noninterest income to average assets | 0.8100% | 1,855 |
| Noninterest expense to average assets | 3.1678% | 2,270 |
| Loan and lease loss provision to assets | -0.0723% | 6,233 |
| Net operating income to assets | 0.5840% | 4,517 |
| Return on assets (ROA) | 0.5840% | 4,601 |
| Pretax return on assets | 0.8335% | 4,244 |
| Return on Equity (ROE) | 5.6484% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.3893% | 3,526 |
| Net charge-offs to loans | -0.6194% | 6,479 |
| Credit loss provision to net charge-offs | 25.1572% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6259% | 1,819 |
| Assets per employee ($millions) | 2.8023% | 5,959 |
| Cash dividends to net income (ytd only)* | 22.2914% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 3,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.2128% | 5,355 |
| Net loans and leases to deposits | 51.7386% | 5,546 |
| Net loans and leases to core deposits | 51.9848% | 5,686 |
| Total domestic deposits to total assets | 89.3197% | 1,065 |
| Equity capital to assets | 10.2547% | 3,857 |
| Core capital (leverage) ratio | 10.4351% | 3,114 |
| Tier 1 risk-based capital ratio | 20.1489% | 1,635 |
| Total risk-based capital ratio | 21.3580% | 1,613 |
| Memoranda: | ||
| Average total assets | $73,740,500 | 5,248 |
| Average earning assets | $66,933,250 | 5,254 |
| Average equity | $7,624,500 | 5,329 |
| Average total loans | $34,227,500 | 5,444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 5,331 |
| Cost of funding earning assets | 0.1336% | 6,342 |
| Net interest margin | 3.4006% | 4,169 |
| Noninterest income to average assets | 0.7989% | 1,842 |
| Noninterest expense to average assets | 3.1820% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4815% | 4,889 |
| Return on assets (ROA) | 0.4815% | 4,955 |
| Pretax return on assets | 0.6813% | 4,706 |
| Return on Equity (ROE) | 4.6440% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.6941% | 3,840 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3654% | 1,707 |
| Assets per employee ($millions) | 2.6998% | 6,134 |
| Cash dividends to net income (ytd only)* | 20.4545% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.8158% | 5,379 |
| Net loans and leases to deposits | 51.4925% | 5,531 |
| Net loans and leases to core deposits | 51.7462% | 5,675 |
| Total domestic deposits to total assets | 88.9758% | 1,368 |
| Equity capital to assets | 10.5797% | 3,340 |
| Core capital (leverage) ratio | 10.7283% | 2,684 |
| Tier 1 risk-based capital ratio | 20.5338% | 1,559 |
| Total risk-based capital ratio | 21.4678% | 1,606 |
| Memoranda: | ||
| Average total assets | $73,099,670 | 5,306 |
| Average earning assets | $65,870,670 | 5,325 |
| Average equity | $7,579,670 | 5,372 |
| Average total loans | $33,824,330 | 5,501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 5,287 |
| Cost of funding earning assets | 0.1343% | 6,427 |
| Net interest margin | 3.4197% | 4,025 |
| Noninterest income to average assets | 0.7759% | 1,853 |
| Noninterest expense to average assets | 3.1256% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5027% | 4,675 |
| Return on assets (ROA) | 0.5027% | 4,760 |
| Pretax return on assets | 0.7104% | 4,459 |
| Return on Equity (ROE) | 4.8979% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8979% | 3,175 |
| Net charge-offs to loans | -0.0118% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 1,992 |
| Assets per employee ($millions) | 2.9517% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,296 |
| Loan loss allowance to noncurrent loans | 192.8962% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 5,444 |
| Noncurrent loans to loans | 0.5468% | 4,528 |
| Net loans and leases to total assets | 44.8734% | 5,436 |
| Net loans and leases to deposits | 50.2458% | 5,581 |
| Net loans and leases to core deposits | 50.4887% | 5,727 |
| Total domestic deposits to total assets | 89.3078% | 1,468 |
| Equity capital to assets | 10.3168% | 3,440 |
| Core capital (leverage) ratio | 10.6565% | 2,752 |
| Tier 1 risk-based capital ratio | 20.1456% | 1,685 |
| Total risk-based capital ratio | 21.0703% | 1,726 |
| Memoranda: | ||
| Average total assets | $73,202,500 | 5,363 |
| Average earning assets | $65,503,500 | 5,390 |
| Average equity | $7,513,500 | 5,418 |
| Average total loans | $33,862,000 | 5,546 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 5,620 |
| Cost of funding earning assets | 0.1516% | 6,532 |
| Net interest margin | 3.3604% | 4,434 |
| Noninterest income to average assets | 0.7789% | 2,169 |
| Noninterest expense to average assets | 3.1790% | 2,484 |
| Loan and lease loss provision to assets | 0.2403% | 1,503 |
| Net operating income to assets | 0.3291% | 5,414 |
| Return on assets (ROA) | 0.3991% | 5,261 |
| Pretax return on assets | 0.5096% | 5,180 |
| Return on Equity (ROE) | 3.8347% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.8794% | 4,200 |
| Net charge-offs to loans | 0.4749% | 1,402 |
| Credit loss provision to net charge-offs | 116.0000% | 2,077 |
| Earnings coverage of net charge-offs (x) | 3.1867% | 3,933 |
| Efficiency ratio | 82.8058% | 1,775 |
| Assets per employee ($millions) | 2.9045% | 5,982 |
| Cash dividends to net income (ytd only)* | 24.9135% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,430 |
| Loan loss allowance to noncurrent loans | 191.3043% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 5,502 |
| Noncurrent loans to loans | 0.5371% | 4,649 |
| Net loans and leases to total assets | 46.6941% | 5,424 |
| Net loans and leases to deposits | 52.1583% | 5,610 |
| Net loans and leases to core deposits | 52.4122% | 5,769 |
| Total domestic deposits to total assets | 89.5239% | 1,318 |
| Equity capital to assets | 10.2103% | 3,495 |
| Core capital (leverage) ratio | 10.8163% | 2,559 |
| Tier 1 risk-based capital ratio | 20.2284% | 1,603 |
| Total risk-based capital ratio | 21.1682% | 1,648 |
| Memoranda: | ||
| Average total assets | $72,412,600 | 5,408 |
| Average earning assets | $65,944,200 | 5,408 |
| Average equity | $7,536,400 | 5,452 |
| Average total loans | $31,588,400 | 5,685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 5,757 |
| Cost of funding earning assets | 0.1553% | 6,616 |
| Net interest margin | 3.3124% | 4,594 |
| Noninterest income to average assets | 0.7407% | 2,414 |
| Noninterest expense to average assets | 3.0899% | 2,690 |
| Loan and lease loss provision to assets | 0.2137% | 1,705 |
| Net operating income to assets | 0.3247% | 5,514 |
| Return on assets (ROA) | 0.3298% | 5,625 |
| Pretax return on assets | 0.4698% | 5,444 |
| Return on Equity (ROE) | 3.1540% | 5,546 |
| Retained earnings to average equity (ytd only) | 3.1540% | 4,424 |
| Net charge-offs to loans | 0.3881% | 1,654 |
| Credit loss provision to net charge-offs | 128.8889% | 1,829 |
| Earnings coverage of net charge-offs (x) | 4.0777% | 3,544 |
| Efficiency ratio | 82.0450% | 1,820 |
| Assets per employee ($millions) | 2.8674% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 5,720 |
| Loan loss allowance to noncurrent loans | 144.4898% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 5,340 |
| Noncurrent loans to loans | 0.6919% | 4,472 |
| Net loans and leases to total assets | 48.9042% | 5,258 |
| Net loans and leases to deposits | 56.5581% | 5,326 |
| Net loans and leases to core deposits | 56.8461% | 5,547 |
| Total domestic deposits to total assets | 86.4672% | 2,980 |
| Equity capital to assets | 10.4011% | 3,388 |
| Core capital (leverage) ratio | 10.4319% | 3,086 |
| Tier 1 risk-based capital ratio | 19.2327% | 1,921 |
| Total risk-based capital ratio | 20.1333% | 1,989 |
| Memoranda: | ||
| Average total assets | $72,362,500 | 5,461 |
| Average earning assets | $66,093,000 | 5,454 |
| Average equity | $7,567,000 | 5,505 |
| Average total loans | $30,921,000 | 5,769 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 5,904 |
| Cost of funding earning assets | 0.1633% | 6,657 |
| Net interest margin | 3.2381% | 4,810 |
| Noninterest income to average assets | 0.7715% | 2,317 |
| Noninterest expense to average assets | 3.0749% | 2,745 |
| Loan and lease loss provision to assets | 0.2838% | 1,282 |
| Net operating income to assets | 0.2590% | 5,747 |
| Return on assets (ROA) | 0.2590% | 5,877 |
| Pretax return on assets | 0.3637% | 5,723 |
| Return on Equity (ROE) | 2.4724% | 5,808 |
| Retained earnings to average equity (ytd only) | 2.4724% | 4,732 |
| Net charge-offs to loans | 0.6389% | 1,028 |
| Credit loss provision to net charge-offs | 109.5745% | 2,017 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,690 |
| Efficiency ratio | 82.6055% | 1,808 |
| Assets per employee ($millions) | 2.7241% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,465 |
| Loan loss allowance to noncurrent loans | 154.5872% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 4,796 |
| Noncurrent loans to loans | 0.7091% | 4,515 |
| Net loans and leases to total assets | 41.3433% | 5,946 |
| Net loans and leases to deposits | 46.1398% | 6,096 |
| Net loans and leases to core deposits | 46.3593% | 6,221 |
| Total domestic deposits to total assets | 89.6044% | 1,265 |
| Equity capital to assets | 10.0571% | 3,844 |
| Core capital (leverage) ratio | 10.2534% | 3,159 |
| Tier 1 risk-based capital ratio | 20.4213% | 1,624 |
| Total risk-based capital ratio | 21.3419% | 1,668 |
| Memoranda: | ||
| Average total assets | $72,588,330 | 5,495 |
| Average earning assets | $66,149,670 | 5,490 |
| Average equity | $7,604,000 | 5,539 |
| Average total loans | $29,424,330 | 5,871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 6,053 |
| Cost of funding earning assets | 0.1718% | 6,715 |
| Net interest margin | 3.1725% | 5,023 |
| Noninterest income to average assets | 0.7544% | 2,317 |
| Noninterest expense to average assets | 3.2729% | 2,148 |
| Loan and lease loss provision to assets | 0.0499% | 3,790 |
| Net operating income to assets | 0.2052% | 5,871 |
| Return on assets (ROA) | 0.2052% | 5,984 |
| Pretax return on assets | 0.2996% | 5,851 |
| Return on Equity (ROE) | 1.9202% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.9202% | 5,038 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3522% | 1,115 |
| Assets per employee ($millions) | 2.8243% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,387 |
| Loan loss allowance to noncurrent loans | 108.0128% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 4,631 |
| Noncurrent loans to loans | 1.0689% | 4,007 |
| Net loans and leases to total assets | 39.2913% | 6,054 |
| Net loans and leases to deposits | 44.1486% | 6,194 |
| Net loans and leases to core deposits | 44.3597% | 6,294 |
| Total domestic deposits to total assets | 88.9978% | 1,684 |
| Equity capital to assets | 10.4847% | 3,559 |
| Core capital (leverage) ratio | 10.2223% | 3,118 |
| Tier 1 risk-based capital ratio | 20.6918% | 1,618 |
| Total risk-based capital ratio | 21.6318% | 1,653 |
| Memoranda: | ||
| Average total assets | $72,107,500 | 5,559 |
| Average earning assets | $65,185,500 | 5,571 |
| Average equity | $7,707,500 | 5,581 |
| Average total loans | $28,764,000 | 5,946 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 5,919 |
| Cost of funding earning assets | 0.2666% | 6,600 |
| Net interest margin | 3.4969% | 4,514 |
| Noninterest income to average assets | 0.8066% | 2,238 |
| Noninterest expense to average assets | 3.4785% | 1,869 |
| Loan and lease loss provision to assets | 0.2722% | 2,469 |
| Net operating income to assets | 0.1142% | 5,987 |
| Return on assets (ROA) | 0.2751% | 5,770 |
| Pretax return on assets | 0.3745% | 5,643 |
| Return on Equity (ROE) | 2.4608% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.0693% | 5,338 |
| Net charge-offs to loans | 0.8024% | 1,457 |
| Credit loss provision to net charge-offs | 85.5204% | 3,650 |
| Earnings coverage of net charge-offs (x) | 1.3394% | 4,791 |
| Efficiency ratio | 89.0815% | 1,142 |
| Assets per employee ($millions) | 2.6216% | 6,519 |
| Cash dividends to net income (ytd only)* | 56.5445% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,315 |
| Loan loss allowance to noncurrent loans | 94.5245% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 4,530 |
| Noncurrent loans to loans | 1.2245% | 3,798 |
| Net loans and leases to total assets | 39.5725% | 6,204 |
| Net loans and leases to deposits | 44.6746% | 6,331 |
| Net loans and leases to core deposits | 44.8959% | 6,424 |
| Total domestic deposits to total assets | 88.5793% | 1,851 |
| Equity capital to assets | 10.9008% | 3,063 |
| Core capital (leverage) ratio | 10.6143% | 2,643 |
| Tier 1 risk-based capital ratio | 21.5346% | 1,351 |
| Total risk-based capital ratio | 22.4916% | 1,382 |
| Memoranda: | ||
| Average total assets | $69,426,600 | 5,645 |
| Average earning assets | $61,511,400 | 5,686 |
| Average equity | $7,761,800 | 5,568 |
| Average total loans | $27,542,200 | 6,058 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 5,884 |
| Cost of funding earning assets | 0.2852% | 6,674 |
| Net interest margin | 3.5755% | 4,339 |
| Noninterest income to average assets | 0.8009% | 2,234 |
| Noninterest expense to average assets | 3.4082% | 1,984 |
| Loan and lease loss provision to assets | 0.2548% | 2,534 |
| Net operating income to assets | 0.2083% | 5,894 |
| Return on assets (ROA) | 0.4091% | 5,442 |
| Pretax return on assets | 0.6021% | 5,160 |
| Return on Equity (ROE) | 3.6363% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.6363% | 4,326 |
| Net charge-offs to loans | 0.4828% | 2,167 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 2.9393% | 3,848 |
| Efficiency ratio | 85.8532% | 1,391 |
| Assets per employee ($millions) | 2.4622% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,670 |
| Loan loss allowance to noncurrent loans | 83.4395% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 4,337 |
| Noncurrent loans to loans | 1.5948% | 3,396 |
| Net loans and leases to total assets | 42.2689% | 6,104 |
| Net loans and leases to deposits | 48.0668% | 6,251 |
| Net loans and leases to core deposits | 48.3123% | 6,395 |
| Total domestic deposits to total assets | 87.9377% | 2,080 |
| Equity capital to assets | 11.4792% | 2,765 |
| Core capital (leverage) ratio | 11.0315% | 2,348 |
| Tier 1 risk-based capital ratio | 21.8571% | 1,354 |
| Total risk-based capital ratio | 23.0010% | 1,350 |
| Memoranda: | ||
| Average total assets | $69,087,250 | 5,713 |
| Average earning assets | $61,230,750 | 5,759 |
| Average equity | $7,773,250 | 5,617 |
| Average total loans | $27,343,000 | 6,145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 5,767 |
| Cost of funding earning assets | 0.3070% | 6,707 |
| Net interest margin | 3.6485% | 4,048 |
| Noninterest income to average assets | 0.7955% | 2,206 |
| Noninterest expense to average assets | 3.3846% | 2,069 |
| Loan and lease loss provision to assets | 0.2690% | 2,436 |
| Net operating income to assets | 0.2469% | 5,772 |
| Return on assets (ROA) | 0.4368% | 5,314 |
| Pretax return on assets | 0.6567% | 4,955 |
| Return on Equity (ROE) | 3.9087% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.9087% | 4,010 |
| Net charge-offs to loans | 0.1278% | 3,907 |
| Credit loss provision to net charge-offs | 547.0588% | 562 |
| Earnings coverage of net charge-offs (x) | 13.0588% | 1,825 |
| Efficiency ratio | 84.0517% | 1,627 |
| Assets per employee ($millions) | 2.4649% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,910 |
| Loan loss allowance to noncurrent loans | 300.6897% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 5,508 |
| Noncurrent loans to loans | 0.5062% | 5,518 |
| Net loans and leases to total assets | 40.8705% | 6,284 |
| Net loans and leases to deposits | 46.3703% | 6,411 |
| Net loans and leases to core deposits | 46.6048% | 6,544 |
| Total domestic deposits to total assets | 88.1393% | 2,048 |
| Equity capital to assets | 11.3159% | 2,767 |
| Core capital (leverage) ratio | 11.0408% | 2,261 |
| Tier 1 risk-based capital ratio | 22.1341% | 1,266 |
| Total risk-based capital ratio | 23.3850% | 1,247 |
| Memoranda: | ||
| Average total assets | $69,135,670 | 5,757 |
| Average earning assets | $61,230,000 | 5,792 |
| Average equity | $7,726,330 | 5,646 |
| Average total loans | $26,612,670 | 6,227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 6,028 |
| Cost of funding earning assets | 0.3251% | 6,752 |
| Net interest margin | 3.5693% | 4,397 |
| Noninterest income to average assets | 0.8324% | 2,024 |
| Noninterest expense to average assets | 3.3586% | 2,117 |
| Loan and lease loss provision to assets | 0.0520% | 4,760 |
| Net operating income to assets | 0.3989% | 5,263 |
| Return on assets (ROA) | 0.3989% | 5,449 |
| Pretax return on assets | 0.5954% | 5,137 |
| Return on Equity (ROE) | 3.5916% | 5,465 |
| Retained earnings to average equity (ytd only) | 3.5916% | 4,419 |
| Net charge-offs to loans | 0.2500% | 2,669 |
| Credit loss provision to net charge-offs | 56.2500% | 3,179 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 83.8384% | 1,707 |
| Assets per employee ($millions) | 2.4395% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,819 |
| Loan loss allowance to noncurrent loans | 246.8531% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 5,606 |
| Noncurrent loans to loans | 0.5452% | 5,568 |
| Net loans and leases to total assets | 37.8825% | 6,496 |
| Net loans and leases to deposits | 43.0041% | 6,611 |
| Net loans and leases to core deposits | 43.2225% | 6,691 |
| Total domestic deposits to total assets | 88.0904% | 2,256 |
| Equity capital to assets | 11.3006% | 2,626 |
| Core capital (leverage) ratio | 10.8688% | 2,365 |
| Tier 1 risk-based capital ratio | 22.7721% | 1,164 |
| Total risk-based capital ratio | 23.8602% | 1,167 |
| Memoranda: | ||
| Average total assets | $69,194,500 | 5,796 |
| Average earning assets | $61,524,000 | 5,823 |
| Average equity | $7,684,500 | 5,689 |
| Average total loans | $25,597,000 | 6,327 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 5,908 |
| Cost of funding earning assets | 0.4173% | 6,842 |
| Net interest margin | 3.8359% | 3,646 |
| Noninterest income to average assets | 0.8828% | 1,735 |
| Noninterest expense to average assets | 3.6240% | 1,693 |
| Loan and lease loss provision to assets | 0.1447% | 4,805 |
| Net operating income to assets | 0.4030% | 4,847 |
| Return on assets (ROA) | 0.4030% | 5,025 |
| Pretax return on assets | 0.5875% | 4,731 |
| Return on Equity (ROE) | 3.5857% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.1672% | 4,673 |
| Net charge-offs to loans | 0.2598% | 4,151 |
| Credit loss provision to net charge-offs | 134.2466% | 2,249 |
| Earnings coverage of net charge-offs (x) | 6.7945% | 2,444 |
| Efficiency ratio | 83.1921% | 1,861 |
| Assets per employee ($millions) | 2.5030% | 6,828 |
| Cash dividends to net income (ytd only)* | 39.5604% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,279 |
| Loan loss allowance to noncurrent loans | 185.5670% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,270 |
| Noncurrent loans to loans | 0.7771% | 5,130 |
| Net loans and leases to total assets | 35.1084% | 6,811 |
| Net loans and leases to deposits | 39.6497% | 6,898 |
| Net loans and leases to core deposits | 40.2325% | 6,936 |
| Total domestic deposits to total assets | 88.5464% | 1,823 |
| Equity capital to assets | 10.9156% | 3,062 |
| Core capital (leverage) ratio | 10.5554% | 2,658 |
| Tier 1 risk-based capital ratio | 23.6610% | 1,003 |
| Total risk-based capital ratio | 24.8282% | 999 |
| Memoranda: | ||
| Average total assets | $67,742,800 | 5,816 |
| Average earning assets | $61,341,600 | 5,825 |
| Average equity | $7,613,600 | 5,685 |
| Average total loans | $28,097,400 | 6,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 5,723 |
| Cost of funding earning assets | 0.4409% | 6,909 |
| Net interest margin | 3.9245% | 3,249 |
| Noninterest income to average assets | 0.8874% | 1,693 |
| Noninterest expense to average assets | 3.5498% | 1,811 |
| Loan and lease loss provision to assets | 0.0774% | 5,473 |
| Net operating income to assets | 0.5638% | 4,256 |
| Return on assets (ROA) | 0.5638% | 4,423 |
| Pretax return on assets | 0.8299% | 4,016 |
| Return on Equity (ROE) | 4.9794% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.7170% | 4,101 |
| Net charge-offs to loans | 0.3370% | 3,406 |
| Credit loss provision to net charge-offs | 53.4247% | 4,961 |
| Earnings coverage of net charge-offs (x) | 6.2604% | 2,586 |
| Efficiency ratio | 79.6437% | 2,304 |
| Assets per employee ($millions) | 2.5208% | 6,863 |
| Cash dividends to net income (ytd only)* | 25.3526% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,707 |
| Loan loss allowance to noncurrent loans | 161.8280% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 5,691 |
| Noncurrent loans to loans | 0.7074% | 5,465 |
| Net loans and leases to total assets | 36.8286% | 6,830 |
| Net loans and leases to deposits | 41.7099% | 6,923 |
| Net loans and leases to core deposits | 42.3190% | 6,976 |
| Total domestic deposits to total assets | 88.2971% | 1,875 |
| Equity capital to assets | 11.0525% | 3,086 |
| Core capital (leverage) ratio | 10.9380% | 2,443 |
| Tier 1 risk-based capital ratio | 22.6376% | 1,199 |
| Total risk-based capital ratio | 23.5653% | 1,213 |
| Memoranda: | ||
| Average total assets | $67,157,750 | 5,866 |
| Average earning assets | $61,084,750 | 5,866 |
| Average equity | $7,604,500 | 5,721 |
| Average total loans | $28,880,500 | 6,266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 5,516 |
| Cost of funding earning assets | 0.4682% | 6,956 |
| Net interest margin | 3.9846% | 2,914 |
| Noninterest income to average assets | 0.8907% | 1,673 |
| Noninterest expense to average assets | 3.5930% | 1,756 |
| Loan and lease loss provision to assets | 0.0879% | 5,214 |
| Net operating income to assets | 0.5726% | 4,198 |
| Return on assets (ROA) | 0.5726% | 4,326 |
| Pretax return on assets | 0.8452% | 3,852 |
| Return on Equity (ROE) | 5.0139% | 4,444 |
| Retained earnings to average equity (ytd only) | 4.0589% | 3,617 |
| Net charge-offs to loans | 0.4102% | 2,910 |
| Credit loss provision to net charge-offs | 47.5410% | 4,647 |
| Earnings coverage of net charge-offs (x) | 5.0492% | 2,701 |
| Efficiency ratio | 79.3842% | 2,488 |
| Assets per employee ($millions) | 2.2818% | 7,130 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,098 |
| Loan loss allowance to noncurrent loans | 162.9032% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 6,430 |
| Noncurrent loans to loans | 0.6506% | 5,621 |
| Net loans and leases to total assets | 42.7470% | 6,540 |
| Net loans and leases to deposits | 48.7455% | 6,683 |
| Net loans and leases to core deposits | 49.5082% | 6,781 |
| Total domestic deposits to total assets | 87.6944% | 2,347 |
| Equity capital to assets | 11.5742% | 2,438 |
| Core capital (leverage) ratio | 11.0195% | 2,231 |
| Tier 1 risk-based capital ratio | 22.6950% | 1,166 |
| Total risk-based capital ratio | 23.6388% | 1,174 |
| Memoranda: | ||
| Average total assets | $66,016,670 | 5,959 |
| Average earning assets | $60,231,330 | 5,950 |
| Average equity | $7,539,000 | 5,755 |
| Average total loans | $29,742,330 | 6,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 5,392 |
| Cost of funding earning assets | 0.4946% | 6,989 |
| Net interest margin | 3.9898% | 2,725 |
| Noninterest income to average assets | 0.8796% | 1,731 |
| Noninterest expense to average assets | 3.4335% | 2,184 |
| Loan and lease loss provision to assets | 0.0485% | 5,393 |
| Net operating income to assets | 0.6734% | 3,641 |
| Return on assets (ROA) | 0.6734% | 3,710 |
| Pretax return on assets | 1.0191% | 3,064 |
| Return on Equity (ROE) | 5.9366% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,678 |
| Net charge-offs to loans | -0.1319% | 7,163 |
| Credit loss provision to net charge-offs | -80.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2803% | 3,113 |
| Assets per employee ($millions) | 2.4204% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,660 |
| Loan loss allowance to noncurrent loans | 84.6523% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,736 |
| Noncurrent loans to loans | 1.4123% | 4,356 |
| Net loans and leases to total assets | 43.0464% | 6,543 |
| Net loans and leases to deposits | 48.7672% | 6,708 |
| Net loans and leases to core deposits | 49.2546% | 6,818 |
| Total domestic deposits to total assets | 88.2693% | 2,212 |
| Equity capital to assets | 11.0991% | 2,586 |
| Core capital (leverage) ratio | 11.0324% | 2,167 |
| Tier 1 risk-based capital ratio | 21.5268% | 1,310 |
| Total risk-based capital ratio | 22.5788% | 1,313 |
| Memoranda: | ||
| Average total assets | $65,938,500 | 5,993 |
| Average earning assets | $59,852,000 | 6,000 |
| Average equity | $7,479,000 | 5,782 |
| Average total loans | $30,318,500 | 6,322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 4,668 |
| Cost of funding earning assets | 0.7069% | 6,867 |
| Net interest margin | 4.2697% | 1,920 |
| Noninterest income to average assets | 0.8735% | 1,959 |
| Noninterest expense to average assets | 3.7613% | 1,560 |
| Loan and lease loss provision to assets | 0.0760% | 6,387 |
| Net operating income to assets | 0.6254% | 3,559 |
| Return on assets (ROA) | 0.6213% | 3,742 |
| Pretax return on assets | 0.9115% | 3,238 |
| Return on Equity (ROE) | 5.4289% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.5618% | 4,074 |
| Net charge-offs to loans | 0.0673% | 6,125 |
| Credit loss provision to net charge-offs | 238.0952% | 1,220 |
| Earnings coverage of net charge-offs (x) | 31.1429% | 708 |
| Efficiency ratio | 79.1054% | 2,522 |
| Assets per employee ($millions) | 2.2106% | 7,297 |
| Cash dividends to net income (ytd only)* | 52.8117% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 6,040 |
| Loan loss allowance to noncurrent loans | 296.4602% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 6,796 |
| Noncurrent loans to loans | 0.3632% | 6,334 |
| Net loans and leases to total assets | 48.0080% | 6,391 |
| Net loans and leases to deposits | 54.7051% | 6,551 |
| Net loans and leases to core deposits | 55.2859% | 6,740 |
| Total domestic deposits to total assets | 87.7578% | 2,390 |
| Equity capital to assets | 11.5995% | 2,184 |
| Core capital (leverage) ratio | 11.4963% | 1,832 |
| Tier 1 risk-based capital ratio | 20.5716% | 1,391 |
| Total risk-based capital ratio | 21.5406% | 1,416 |
| Memoranda: | ||
| Average total assets | $65,828,800 | 6,008 |
| Average earning assets | $59,839,600 | 6,001 |
| Average equity | $7,533,800 | 5,863 |
| Average total loans | $31,225,200 | 6,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 4,706 |
| Cost of funding earning assets | 0.7568% | 6,894 |
| Net interest margin | 4.2665% | 1,967 |
| Noninterest income to average assets | 0.8612% | 1,948 |
| Noninterest expense to average assets | 3.7065% | 1,549 |
| Loan and lease loss provision to assets | 0.0825% | 6,216 |
| Net operating income to assets | 0.6640% | 3,582 |
| Return on assets (ROA) | 0.6640% | 3,743 |
| Pretax return on assets | 0.9518% | 3,359 |
| Return on Equity (ROE) | 5.8213% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.5512% | 3,307 |
| Net charge-offs to loans | 0.0554% | 5,966 |
| Credit loss provision to net charge-offs | 315.3846% | 999 |
| Earnings coverage of net charge-offs (x) | 39.5453% | 688 |
| Efficiency ratio | 78.1834% | 2,601 |
| Assets per employee ($millions) | 2.2122% | 7,374 |
| Cash dividends to net income (ytd only)* | 21.8187% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,266 |
| Loan loss allowance to noncurrent loans | 2,087.5000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 7,292 |
| Noncurrent loans to loans | 0.0494% | 7,122 |
| Net loans and leases to total assets | 51.7864% | 6,125 |
| Net loans and leases to deposits | 59.6360% | 6,339 |
| Net loans and leases to core deposits | 60.2962% | 6,580 |
| Total domestic deposits to total assets | 86.8375% | 2,622 |
| Equity capital to assets | 12.3101% | 1,965 |
| Core capital (leverage) ratio | 11.0727% | 2,208 |
| Tier 1 risk-based capital ratio | 20.8741% | 1,378 |
| Total risk-based capital ratio | 21.8426% | 1,410 |
| Memoranda: | ||
| Average total assets | $66,259,500 | 6,056 |
| Average earning assets | $60,250,500 | 6,052 |
| Average equity | $7,558,250 | 5,924 |
| Average total loans | $31,253,750 | 6,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 5,261 |
| Cost of funding earning assets | 0.7880% | 6,954 |
| Net interest margin | 4.1443% | 2,352 |
| Noninterest income to average assets | 0.8213% | 2,011 |
| Noninterest expense to average assets | 3.6603% | 1,644 |
| Loan and lease loss provision to assets | 0.0798% | 6,140 |
| Net operating income to assets | 0.5997% | 3,880 |
| Return on assets (ROA) | 0.5997% | 4,015 |
| Pretax return on assets | 0.8567% | 3,671 |
| Return on Equity (ROE) | 5.3875% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.4321% | 3,253 |
| Net charge-offs to loans | 0.0778% | 5,364 |
| Credit loss provision to net charge-offs | 225.0000% | 1,721 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 1,003 |
| Efficiency ratio | 79.6272% | 2,486 |
| Assets per employee ($millions) | 2.0201% | 7,570 |
| Cash dividends to net income (ytd only)* | 17.7340% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,294 |
| Loan loss allowance to noncurrent loans | 746.5116% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 7,231 |
| Noncurrent loans to loans | 0.1372% | 6,985 |
| Net loans and leases to total assets | 46.5304% | 6,739 |
| Net loans and leases to deposits | 53.0058% | 6,925 |
| Net loans and leases to core deposits | 54.2451% | 7,024 |
| Total domestic deposits to total assets | 87.7835% | 2,120 |
| Equity capital to assets | 11.3915% | 2,530 |
| Core capital (leverage) ratio | 10.5981% | 2,544 |
| Tier 1 risk-based capital ratio | 21.1285% | 1,317 |
| Total risk-based capital ratio | 22.0828% | 1,340 |
| Memoranda: | ||
| Average total assets | $67,699,000 | 6,049 |
| Average earning assets | $61,675,330 | 6,038 |
| Average equity | $7,536,000 | 5,955 |
| Average total loans | $30,868,000 | 6,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 5,308 |
| Cost of funding earning assets | 0.8012% | 7,084 |
| Net interest margin | 4.1288% | 2,325 |
| Noninterest income to average assets | 0.7740% | 2,153 |
| Noninterest expense to average assets | 3.4889% | 2,013 |
| Loan and lease loss provision to assets | 0.0821% | 5,817 |
| Net operating income to assets | 0.6685% | 3,581 |
| Return on assets (ROA) | 0.6685% | 3,693 |
| Pretax return on assets | 0.9499% | 3,265 |
| Return on Equity (ROE) | 6.0743% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.0743% | 2,586 |
| Net charge-offs to loans | 0.0522% | 4,885 |
| Credit loss provision to net charge-offs | 350.0000% | 1,156 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 630 |
| Efficiency ratio | 77.1725% | 3,036 |
| Assets per employee ($millions) | 2.2108% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 43.9615% | 6,997 |
| Net loans and leases to deposits | 49.9097% | 7,128 |
| Net loans and leases to core deposits | 51.0384% | 7,242 |
| Total domestic deposits to total assets | 88.0820% | 2,016 |
| Equity capital to assets | 11.0440% | 2,719 |
| Core capital (leverage) ratio | 10.4161% | 2,704 |
| Tier 1 risk-based capital ratio | 20.9361% | 1,350 |
| Total risk-based capital ratio | 21.8740% | 1,378 |
| Memoranda: | ||
| Average total assets | $68,216,500 | 6,100 |
| Average earning assets | $61,907,000 | 6,090 |
| Average equity | $7,507,000 | 6,012 |
| Average total loans | $30,632,000 | 6,578 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 5,508 |
| Cost of funding earning assets | 0.9213% | 7,360 |
| Net interest margin | 4.3094% | 1,693 |
| Noninterest income to average assets | 0.9581% | 1,711 |
| Noninterest expense to average assets | 3.5600% | 2,247 |
| Loan and lease loss provision to assets | 0.1116% | 6,532 |
| Net operating income to assets | 0.8227% | 2,439 |
| Return on assets (ROA) | 0.8227% | 2,532 |
| Pretax return on assets | 1.1693% | 2,035 |
| Return on Equity (ROE) | 7.5014% | 2,579 |
| Retained earnings to average equity (ytd only) | 3.5947% | 2,666 |
| Net charge-offs to loans | 0.3142% | 4,669 |
| Credit loss provision to net charge-offs | 82.4176% | 6,235 |
| Earnings coverage of net charge-offs (x) | 9.4615% | 1,796 |
| Efficiency ratio | 73.5403% | 3,987 |
| Assets per employee ($millions) | 2.0575% | 7,697 |
| Cash dividends to net income (ytd only)* | 52.0796% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 6,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.9395% | 7,061 |
| Net loans and leases to deposits | 51.0021% | 7,204 |
| Net loans and leases to core deposits | 61.9566% | 7,192 |
| Total domestic deposits to total assets | 88.1131% | 1,916 |
| Equity capital to assets | 10.9650% | 2,733 |
| Core capital (leverage) ratio | 10.4124% | 2,677 |
| Tier 1 risk-based capital ratio | 20.0387% | 1,460 |
| Total risk-based capital ratio | 20.9222% | 1,491 |
| Memoranda: | ||
| Average total assets | $67,219,200 | 6,100 |
| Average earning assets | $60,565,600 | 6,107 |
| Average equity | $7,372,000 | 6,141 |
| Average total loans | $28,965,800 | 6,689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 5,525 |
| Cost of funding earning assets | 0.9475% | 7,488 |
| Net interest margin | 4.3332% | 1,633 |
| Noninterest income to average assets | 0.9386% | 1,822 |
| Noninterest expense to average assets | 3.4521% | 2,411 |
| Loan and lease loss provision to assets | 0.1213% | 6,149 |
| Net operating income to assets | 0.9147% | 2,366 |
| Return on assets (ROA) | 0.9147% | 2,433 |
| Pretax return on assets | 1.2667% | 2,053 |
| Return on Equity (ROE) | 8.3402% | 2,505 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,088 |
| Net charge-offs to loans | 0.3882% | 3,710 |
| Credit loss provision to net charge-offs | 73.4940% | 5,913 |
| Earnings coverage of net charge-offs (x) | 8.4099% | 2,249 |
| Efficiency ratio | 71.3229% | 4,364 |
| Assets per employee ($millions) | 2.1974% | 7,614 |
| Cash dividends to net income (ytd only)* | 31.3050% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,293 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,598 |
| Noncurrent loans to loans | 0.0100% | 7,505 |
| Net loans and leases to total assets | 45.0691% | 7,170 |
| Net loans and leases to deposits | 51.4405% | 7,337 |
| Net loans and leases to core deposits | 62.7946% | 7,295 |
| Total domestic deposits to total assets | 87.6140% | 1,840 |
| Equity capital to assets | 11.4349% | 2,647 |
| Core capital (leverage) ratio | 10.5955% | 2,718 |
| Tier 1 risk-based capital ratio | 21.1579% | 1,346 |
| Total risk-based capital ratio | 22.0659% | 1,364 |
| Memoranda: | ||
| Average total assets | $67,049,500 | 6,152 |
| Average earning assets | $60,369,000 | 6,162 |
| Average equity | $7,353,750 | 6,206 |
| Average total loans | $28,502,500 | 6,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 5,908 |
| Cost of funding earning assets | 0.9498% | 7,621 |
| Net interest margin | 4.2922% | 1,677 |
| Noninterest income to average assets | 0.9077% | 1,954 |
| Noninterest expense to average assets | 3.4141% | 2,582 |
| Loan and lease loss provision to assets | 0.1098% | 6,059 |
| Net operating income to assets | 0.9492% | 2,283 |
| Return on assets (ROA) | 0.9492% | 2,379 |
| Pretax return on assets | 1.2844% | 2,068 |
| Return on Equity (ROE) | 8.7763% | 2,435 |
| Retained earnings to average equity (ytd only) | 6.8017% | 1,664 |
| Net charge-offs to loans | 0.5357% | 2,724 |
| Credit loss provision to net charge-offs | 49.3333% | 5,776 |
| Earnings coverage of net charge-offs (x) | 6.2667% | 2,653 |
| Efficiency ratio | 71.0056% | 4,592 |
| Assets per employee ($millions) | 2.3340% | 7,506 |
| Cash dividends to net income (ytd only)* | 22.5000% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 6,132 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,587 |
| Noncurrent loans to loans | 0.0428% | 7,435 |
| Net loans and leases to total assets | 40.9783% | 7,506 |
| Net loans and leases to deposits | 46.4311% | 7,621 |
| Net loans and leases to core deposits | 55.8628% | 7,599 |
| Total domestic deposits to total assets | 88.2562% | 1,646 |
| Equity capital to assets | 10.8632% | 3,047 |
| Core capital (leverage) ratio | 10.2276% | 3,062 |
| Tier 1 risk-based capital ratio | 21.3381% | 1,341 |
| Total risk-based capital ratio | 22.2133% | 1,377 |
| Memoranda: | ||
| Average total assets | $67,425,670 | 6,174 |
| Average earning assets | $61,274,330 | 6,173 |
| Average equity | $7,292,330 | 6,270 |
| Average total loans | $28,000,000 | 6,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 5,402 |
| Cost of funding earning assets | 0.9927% | 7,681 |
| Net interest margin | 4.4114% | 1,319 |
| Noninterest income to average assets | 0.9094% | 1,813 |
| Noninterest expense to average assets | 3.1681% | 3,121 |
| Loan and lease loss provision to assets | 0.1367% | 5,212 |
| Net operating income to assets | 1.2245% | 1,581 |
| Return on assets (ROA) | 1.2245% | 1,686 |
| Pretax return on assets | 1.5930% | 1,423 |
| Return on Equity (ROE) | 11.3467% | 1,864 |
| Retained earnings to average equity (ytd only) | 11.3467% | 915 |
| Net charge-offs to loans | 0.9432% | 1,403 |
| Credit loss provision to net charge-offs | 34.8485% | 4,887 |
| Earnings coverage of net charge-offs (x) | 4.4091% | 2,892 |
| Efficiency ratio | 64.6845% | 5,566 |
| Assets per employee ($millions) | 2.5722% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,948 |
| Loan loss allowance to noncurrent loans | 820.5882% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 7,452 |
| Noncurrent loans to loans | 0.1254% | 7,161 |
| Net loans and leases to total assets | 38.6307% | 7,634 |
| Net loans and leases to deposits | 43.7182% | 7,735 |
| Net loans and leases to core deposits | 52.2178% | 7,727 |
| Total domestic deposits to total assets | 88.3629% | 1,538 |
| Equity capital to assets | 10.6983% | 3,291 |
| Core capital (leverage) ratio | 10.1748% | 3,221 |
| Tier 1 risk-based capital ratio | 20.9825% | 1,452 |
| Total risk-based capital ratio | 21.8333% | 1,481 |
| Memoranda: | ||
| Average total assets | $67,295,000 | 6,206 |
| Average earning assets | $60,842,500 | 6,222 |
| Average equity | $7,262,000 | 6,313 |
| Average total loans | $27,989,500 | 6,884 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9970% | 5,562 |
| Cost of funding earning assets | 1.7752% | 7,076 |
| Net interest margin | 4.2218% | 2,220 |
| Noninterest income to average assets | 1.0739% | 1,368 |
| Noninterest expense to average assets | 3.5312% | 2,313 |
| Loan and lease loss provision to assets | 0.1627% | 5,300 |
| Net operating income to assets | 0.8524% | 3,216 |
| Return on assets (ROA) | 0.8512% | 3,056 |
| Pretax return on assets | 1.1718% | 2,759 |
| Return on Equity (ROE) | 7.9065% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.2099% | 2,499 |
| Net charge-offs to loans | 0.1900% | 4,283 |
| Credit loss provision to net charge-offs | 190.7407% | 2,579 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,917 |
| Efficiency ratio | 72.5503% | 3,838 |
| Assets per employee ($millions) | 2.4126% | 7,381 |
| Cash dividends to net income (ytd only)* | 46.7532% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,160 |
| Loan loss allowance to noncurrent loans | 8,050.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,623 |
| Noncurrent loans to loans | 0.0139% | 7,483 |
| Net loans and leases to total assets | 43.8271% | 7,484 |
| Net loans and leases to deposits | 49.6358% | 7,641 |
| Net loans and leases to core deposits | 60.0829% | 7,584 |
| Total domestic deposits to total assets | 88.2975% | 1,334 |
| Equity capital to assets | 10.8904% | 3,124 |
| Core capital (leverage) ratio | 10.3641% | 3,106 |
| Tier 1 risk-based capital ratio | 19.9373% | 1,628 |
| Total risk-based capital ratio | 20.8990% | 1,633 |
| Memoranda: | ||
| Average total assets | $63,321,000 | 6,260 |
| Average earning assets | $56,895,200 | 6,307 |
| Average equity | $6,817,200 | 6,517 |
| Average total loans | $28,424,600 | 6,805 |