Home > Headwaters State Bank > Performance and Condition Ratios
Headwaters State 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 | 5.5876% | 1,045 |
| Cost of funding earning assets | 1.2817% | 2,570 |
| Net interest margin | 4.3059% | 804 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.6645% | 1,832 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9261% | 2,466 |
| Return on assets (ROA) | 0.8690% | 2,610 |
| Pretax return on assets | 1.1314% | 2,315 |
| Return on Equity (ROE) | 4.9200% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.9163% | 2,625 |
| Net charge-offs to loans | 0.0126% | 2,177 |
| Credit loss provision to net charge-offs | 900.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 150.6250% | 705 |
| Efficiency ratio | 53.6224% | 3,704 |
| Assets per employee ($millions) | 6.8211% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6198% | 4,219 |
| Loan loss allowance to noncurrent loans | 8.2817% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 5.2348% | 21 |
| Noncurrent loans to loans | 7.4842% | 22 |
| Net loans and leases to total assets | 69.5100% | 1,866 |
| Net loans and leases to deposits | 84.9294% | 1,695 |
| Net loans and leases to core deposits | 92.5466% | 1,866 |
| Total domestic deposits to total assets | 81.8500% | 3,155 |
| Equity capital to assets | 17.9392% | 353 |
| Core capital (leverage) ratio | 11.9441% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $94,127,400 | 3,877 |
| Average earning assets | $82,468,600 | 3,899 |
| Average equity | $16,638,600 | 3,124 |
| Average total loans | $63,595,000 | 3,653 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 761 |
| Cost of funding earning assets | 1.1806% | 2,490 |
| Net interest margin | 4.5469% | 581 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.6542% | 1,785 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0602% | 2,184 |
| Return on assets (ROA) | 0.9838% | 2,403 |
| Pretax return on assets | 1.2837% | 2,087 |
| Return on Equity (ROE) | 5.5900% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.5865% | 2,754 |
| Net charge-offs to loans | 0.0021% | 2,481 |
| Credit loss provision to net charge-offs | 7,200.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 1,043.0000% | 147 |
| Efficiency ratio | 50.5155% | 3,873 |
| Assets per employee ($millions) | 6.8566% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 4,211 |
| Loan loss allowance to noncurrent loans | 915.2174% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 2,930 |
| Noncurrent loans to loans | 0.0701% | 3,255 |
| Net loans and leases to total assets | 67.9500% | 2,046 |
| Net loans and leases to deposits | 82.4869% | 1,868 |
| Net loans and leases to core deposits | 89.7877% | 1,940 |
| Total domestic deposits to total assets | 82.3800% | 3,146 |
| Equity capital to assets | 17.3669% | 372 |
| Core capital (leverage) ratio | 11.5193% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $93,785,500 | 3,896 |
| Average earning assets | $81,988,000 | 3,923 |
| Average equity | $16,515,500 | 3,118 |
| Average total loans | $62,795,250 | 3,673 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6737% | 665 |
| Cost of funding earning assets | 1.1165% | 2,223 |
| Net interest margin | 4.5572% | 573 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.9490% | 1,129 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.0038% | 2,403 |
| Return on assets (ROA) | 0.8576% | 2,897 |
| Pretax return on assets | 0.8576% | 3,272 |
| Return on Equity (ROE) | 4.8500% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.8470% | 2,978 |
| Net charge-offs to loans | 0.0065% | 2,006 |
| Credit loss provision to net charge-offs | 3,600.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 269.5000% | 492 |
| Efficiency ratio | 57.6138% | 3,241 |
| Assets per employee ($millions) | 7.2878% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 4,251 |
| Loan loss allowance to noncurrent loans | 875.0000% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 2,833 |
| Noncurrent loans to loans | 0.0736% | 3,164 |
| Net loans and leases to total assets | 68.4300% | 1,922 |
| Net loans and leases to deposits | 83.1495% | 1,750 |
| Net loans and leases to core deposits | 90.2485% | 1,783 |
| Total domestic deposits to total assets | 82.3000% | 3,169 |
| Equity capital to assets | 17.5584% | 361 |
| Core capital (leverage) ratio | 11.5083% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $93,049,667 | 3,914 |
| Average earning assets | $80,970,667 | 3,956 |
| Average equity | $16,463,667 | 3,149 |
| Average total loans | $61,843,667 | 3,691 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6667% | 474 |
| Cost of funding earning assets | 1.0440% | 1,896 |
| Net interest margin | 4.6227% | 491 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6984% | 1,680 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.9067% | 2,830 |
| Return on assets (ROA) | 0.9067% | 2,789 |
| Pretax return on assets | 1.2321% | 2,348 |
| Return on Equity (ROE) | 5.1000% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.1044% | 3,001 |
| Net charge-offs to loans | 0.0133% | 1,457 |
| Credit loss provision to net charge-offs | 2,400.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 574 |
| Efficiency ratio | 50.6289% | 3,883 |
| Assets per employee ($millions) | 6.5783% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 4,327 |
| Loan loss allowance to noncurrent loans | 435.1648% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 2,841 |
| Noncurrent loans to loans | 0.1449% | 2,771 |
| Net loans and leases to total assets | 67.7700% | 1,859 |
| Net loans and leases to deposits | 82.7287% | 1,595 |
| Net loans and leases to core deposits | 90.4412% | 1,590 |
| Total domestic deposits to total assets | 81.9200% | 3,495 |
| Equity capital to assets | 17.8564% | 309 |
| Core capital (leverage) ratio | 10.7083% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $92,204,000 | 3,972 |
| Average earning assets | $79,693,500 | 4,021 |
| Average equity | $16,378,000 | 3,185 |
| Average total loans | $60,140,500 | 3,759 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 4,289 |
| Cost of funding earning assets | 0.1793% | 3,913 |
| Net interest margin | 2.6605% | 4,101 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.5004% | 4,427 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.6097% | 3,860 |
| Return on assets (ROA) | 0.6097% | 3,809 |
| Pretax return on assets | 0.8249% | 3,562 |
| Return on Equity (ROE) | 4.0700% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.0679% | 3,374 |
| Net charge-offs to loans | -0.0021% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.2537% | 4,224 |
| Assets per employee ($millions) | 6.5937% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1584% | 4,586 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 2,854 |
| Noncurrent loans to loans | 0.1584% | 2,706 |
| Net loans and leases to total assets | 62.1500% | 2,419 |
| Net loans and leases to deposits | 75.6879% | 2,122 |
| Net loans and leases to core deposits | 76.3639% | 2,394 |
| Total domestic deposits to total assets | 82.1200% | 3,607 |
| Equity capital to assets | 17.6694% | 311 |
| Core capital (leverage) ratio | 11.2237% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $89,711,200 | 4,017 |
| Average earning assets | $78,068,200 | 4,064 |
| Average equity | $13,446,800 | 3,531 |
| Average total loans | $47,329,200 | 3,939 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0067% | 4,606 |
| Cost of funding earning assets | 0.0615% | 4,524 |
| Net interest margin | 1.9453% | 4,569 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.0300% | 4,667 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5330% | 4,007 |
| Return on assets (ROA) | 0.5330% | 3,948 |
| Pretax return on assets | 0.7201% | 3,762 |
| Return on Equity (ROE) | 3.7300% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.7284% | 3,540 |
| Net charge-offs to loans | -0.0030% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.7873% | 4,437 |
| Assets per employee ($millions) | 6.5661% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0556% | 4,646 |
| Loan loss allowance to noncurrent loans | 37.8049% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,040 |
| Noncurrent loans to loans | 0.1471% | 2,876 |
| Net loans and leases to total assets | 60.6000% | 2,437 |
| Net loans and leases to deposits | 73.7665% | 2,078 |
| Net loans and leases to core deposits | 74.3881% | 2,318 |
| Total domestic deposits to total assets | 82.1500% | 3,817 |
| Equity capital to assets | 17.5872% | 296 |
| Core capital (leverage) ratio | 10.4076% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $89,061,000 | 4,055 |
| Average earning assets | $78,068,500 | 4,087 |
| Average equity | $12,730,750 | 3,637 |
| Average total loans | $44,794,750 | 4,005 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5634% | 4,758 |
| Cost of funding earning assets | 0.0437% | 4,628 |
| Net interest margin | 0.5197% | 4,755 |
| Noninterest income to average assets | 0.0295% | 4,683 |
| Noninterest expense to average assets | 0.3700% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1180% | 4,498 |
| Return on assets (ROA) | 0.1180% | 4,465 |
| Pretax return on assets | 0.1180% | 4,477 |
| Return on Equity (ROE) | 0.8977% | 4,473 |
| Retained earnings to average equity (ytd only) | 0.8977% | 4,018 |
| Net charge-offs to loans | -0.0049% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8140% | 1,307 |
| Assets per employee ($millions) | 7.6797% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0024% | 4,720 |
| Loan loss allowance to noncurrent loans | 7.6923% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,895 |
| Noncurrent loans to loans | 0.0309% | 3,722 |
| Net loans and leases to total assets | 42.0740% | 3,965 |
| Net loans and leases to deposits | 49.6484% | 3,822 |
| Net loans and leases to core deposits | 49.8410% | 3,942 |
| Total domestic deposits to total assets | 84.7440% | 3,540 |
| Equity capital to assets | 14.8143% | 419 |
| Core capital (leverage) ratio | 9.4370% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,106,333 | 4,099 |
| Average earning assets | $77,742,000 | 4,145 |
| Average equity | $11,585,333 | 3,830 |
| Average total loans | $41,147,000 | 4,119 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2797% | 2,448 |
| Cost of funding earning assets | 0.2957% | 1,694 |
| Net interest margin | 2.9840% | 2,553 |
| Noninterest income to average assets | 0.1410% | 4,307 |
| Noninterest expense to average assets | 2.3005% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4912% | 3,737 |
| Return on assets (ROA) | 0.4912% | 3,703 |
| Pretax return on assets | 0.4912% | 3,882 |
| Return on Equity (ROE) | 4.0469% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.0469% | 2,918 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4042% | 954 |
| Assets per employee ($millions) | 5.7457% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 4,264 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,898 |
| Noncurrent loans to loans | 0.0316% | 3,759 |
| Net loans and leases to total assets | 50.7832% | 3,096 |
| Net loans and leases to deposits | 57.9869% | 3,079 |
| Net loans and leases to core deposits | 59.3733% | 3,197 |
| Total domestic deposits to total assets | 87.5771% | 2,712 |
| Equity capital to assets | 11.9244% | 987 |
| Core capital (leverage) ratio | 12.4458% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,241,500 | 4,191 |
| Average earning assets | $73,056,000 | 4,226 |
| Average equity | $9,983,000 | 4,058 |
| Average total loans | $40,717,500 | 4,148 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 2,154 |
| Cost of funding earning assets | 0.3320% | 2,104 |
| Net interest margin | 3.3539% | 2,149 |
| Noninterest income to average assets | 0.1792% | 4,257 |
| Noninterest expense to average assets | 2.1586% | 3,206 |
| Loan and lease loss provision to assets | -0.0754% | 4,467 |
| Net operating income to assets | 1.1170% | 2,223 |
| Return on assets (ROA) | 1.1170% | 2,287 |
| Pretax return on assets | 1.1170% | 2,911 |
| Return on Equity (ROE) | 8.4646% | 3,089 |
| Retained earnings to average equity (ytd only) | 0.0375% | 4,475 |
| Net charge-offs to loans | -0.0024% | 3,401 |
| Credit loss provision to net charge-offs | 6,100.0000% | 120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4517% | 2,060 |
| Assets per employee ($millions) | 6.0031% | 2,772 |
| Cash dividends to net income (ytd only)* | 99.5575% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,257 |
| Loan loss allowance to noncurrent loans | 601.8519% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,527 |
| Noncurrent loans to loans | 0.1341% | 3,257 |
| Net loans and leases to total assets | 47.5173% | 3,535 |
| Net loans and leases to deposits | 54.3762% | 3,571 |
| Net loans and leases to core deposits | 55.5471% | 3,659 |
| Total domestic deposits to total assets | 87.3862% | 2,344 |
| Equity capital to assets | 12.3437% | 1,109 |
| Core capital (leverage) ratio | 12.2604% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,930,400 | 4,207 |
| Average earning assets | $72,899,200 | 4,217 |
| Average equity | $10,679,800 | 4,067 |
| Average total loans | $40,848,600 | 4,168 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 1,968 |
| Cost of funding earning assets | 0.3411% | 2,195 |
| Net interest margin | 3.4831% | 1,917 |
| Noninterest income to average assets | 0.1813% | 4,290 |
| Noninterest expense to average assets | 2.2008% | 3,065 |
| Loan and lease loss provision to assets | -0.1011% | 4,608 |
| Net operating income to assets | 1.2243% | 2,089 |
| Return on assets (ROA) | 1.2243% | 2,144 |
| Pretax return on assets | 1.2243% | 2,855 |
| Return on Equity (ROE) | 9.1231% | 3,073 |
| Retained earnings to average equity (ytd only) | 2.9254% | 3,933 |
| Net charge-offs to loans | -0.0065% | 3,513 |
| Credit loss provision to net charge-offs | 3,050.0000% | 235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2162% | 2,073 |
| Assets per employee ($millions) | 5.9325% | 2,756 |
| Cash dividends to net income (ytd only)* | 67.9348% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,366 |
| Loan loss allowance to noncurrent loans | 693.6170% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,744 |
| Noncurrent loans to loans | 0.1135% | 3,522 |
| Net loans and leases to total assets | 49.4455% | 3,475 |
| Net loans and leases to deposits | 56.9679% | 3,491 |
| Net loans and leases to core deposits | 58.2048% | 3,611 |
| Total domestic deposits to total assets | 86.7955% | 2,432 |
| Equity capital to assets | 12.9697% | 988 |
| Core capital (leverage) ratio | 12.6171% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,152,250 | 4,268 |
| Average earning assets | $72,308,500 | 4,283 |
| Average equity | $10,756,250 | 4,115 |
| Average total loans | $40,995,750 | 4,218 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 1,492 |
| Cost of funding earning assets | 0.3606% | 2,225 |
| Net interest margin | 3.6708% | 1,421 |
| Noninterest income to average assets | 0.1819% | 4,293 |
| Noninterest expense to average assets | 2.2353% | 2,964 |
| Loan and lease loss provision to assets | -0.1541% | 4,711 |
| Net operating income to assets | 1.4169% | 1,524 |
| Return on assets (ROA) | 1.4169% | 1,588 |
| Pretax return on assets | 1.4169% | 2,282 |
| Return on Equity (ROE) | 10.4362% | 2,607 |
| Retained earnings to average equity (ytd only) | 3.9252% | 3,544 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8989% | 2,443 |
| Assets per employee ($millions) | 5.7393% | 2,856 |
| Cash dividends to net income (ytd only)* | 62.3886% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,355 |
| Loan loss allowance to noncurrent loans | 689.3617% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,845 |
| Noncurrent loans to loans | 0.1170% | 3,604 |
| Net loans and leases to total assets | 49.5831% | 3,596 |
| Net loans and leases to deposits | 57.3898% | 3,606 |
| Net loans and leases to core deposits | 58.6685% | 3,714 |
| Total domestic deposits to total assets | 86.3970% | 2,593 |
| Equity capital to assets | 13.4113% | 839 |
| Core capital (leverage) ratio | 13.1036% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,184,667 | 4,303 |
| Average earning assets | $71,538,000 | 4,322 |
| Average equity | $10,751,000 | 4,129 |
| Average total loans | $40,863,333 | 4,259 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 784 |
| Cost of funding earning assets | 0.3889% | 2,187 |
| Net interest margin | 4.1036% | 717 |
| Noninterest income to average assets | 0.1679% | 4,361 |
| Noninterest expense to average assets | 2.2900% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5827% | 1,160 |
| Return on assets (ROA) | 1.5827% | 1,213 |
| Pretax return on assets | 1.5827% | 1,777 |
| Return on Equity (ROE) | 11.5845% | 2,165 |
| Retained earnings to average equity (ytd only) | 5.9971% | 2,902 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1327% | 3,138 |
| Assets per employee ($millions) | 5.6396% | 2,975 |
| Cash dividends to net income (ytd only)* | 48.2315% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,022 |
| Loan loss allowance to noncurrent loans | 271.1268% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 3,271 |
| Noncurrent loans to loans | 0.3500% | 2,832 |
| Net loans and leases to total assets | 50.9049% | 3,549 |
| Net loans and leases to deposits | 58.9256% | 3,569 |
| Net loans and leases to core deposits | 60.5092% | 3,669 |
| Total domestic deposits to total assets | 86.3884% | 2,581 |
| Equity capital to assets | 13.4735% | 792 |
| Core capital (leverage) ratio | 13.1037% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,602,000 | 4,322 |
| Average earning assets | $70,961,500 | 4,342 |
| Average equity | $10,738,500 | 4,143 |
| Average total loans | $41,213,000 | 4,274 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 1,885 |
| Cost of funding earning assets | 0.5120% | 2,873 |
| Net interest margin | 3.7832% | 1,548 |
| Noninterest income to average assets | 0.1841% | 4,368 |
| Noninterest expense to average assets | 2.6907% | 2,263 |
| Loan and lease loss provision to assets | -0.0211% | 4,915 |
| Net operating income to assets | 0.9512% | 2,475 |
| Return on assets (ROA) | 0.9512% | 2,622 |
| Pretax return on assets | 0.9512% | 3,216 |
| Return on Equity (ROE) | 6.3666% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.7241% | 4,311 |
| Net charge-offs to loans | 0.1103% | 1,368 |
| Credit loss provision to net charge-offs | -33.3333% | 3,680 |
| Earnings coverage of net charge-offs (x) | 14.7111% | 2,200 |
| Efficiency ratio | 74.3112% | 1,406 |
| Assets per employee ($millions) | 5.5892% | 2,754 |
| Cash dividends to net income (ytd only)* | 88.6263% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,133 |
| Loan loss allowance to noncurrent loans | 106.9444% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 2,185 |
| Noncurrent loans to loans | 0.8602% | 1,641 |
| Net loans and leases to total assets | 52.9898% | 3,580 |
| Net loans and leases to deposits | 61.7290% | 3,624 |
| Net loans and leases to core deposits | 63.4540% | 3,735 |
| Total domestic deposits to total assets | 85.8426% | 2,436 |
| Equity capital to assets | 13.8519% | 833 |
| Core capital (leverage) ratio | 13.4745% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,171,200 | 4,365 |
| Average earning assets | $64,654,400 | 4,377 |
| Average equity | $10,633,600 | 4,137 |
| Average total loans | $40,815,000 | 4,295 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,728 |
| Cost of funding earning assets | 0.5465% | 2,955 |
| Net interest margin | 3.8954% | 1,363 |
| Noninterest income to average assets | 0.1844% | 4,369 |
| Noninterest expense to average assets | 2.8068% | 1,950 |
| Loan and lease loss provision to assets | -0.0288% | 4,974 |
| Net operating income to assets | 0.9529% | 2,506 |
| Return on assets (ROA) | 0.9529% | 2,642 |
| Pretax return on assets | 0.9529% | 3,220 |
| Return on Equity (ROE) | 6.2493% | 3,466 |
| Retained earnings to average equity (ytd only) | 0.5796% | 4,363 |
| Net charge-offs to loans | 0.1447% | 1,010 |
| Credit loss provision to net charge-offs | -34.0909% | 3,514 |
| Earnings coverage of net charge-offs (x) | 10.9318% | 2,327 |
| Efficiency ratio | 75.2317% | 1,277 |
| Assets per employee ($millions) | 5.4144% | 2,784 |
| Cash dividends to net income (ytd only)* | 90.7258% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 4,020 |
| Loan loss allowance to noncurrent loans | 101.3123% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 2,196 |
| Noncurrent loans to loans | 0.9043% | 1,652 |
| Net loans and leases to total assets | 55.0705% | 3,702 |
| Net loans and leases to deposits | 64.4824% | 3,759 |
| Net loans and leases to core deposits | 66.6486% | 3,853 |
| Total domestic deposits to total assets | 85.4039% | 2,282 |
| Equity capital to assets | 14.3481% | 772 |
| Core capital (leverage) ratio | 13.9516% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,401,750 | 4,405 |
| Average earning assets | $63,184,250 | 4,411 |
| Average equity | $10,582,250 | 4,141 |
| Average total loans | $40,556,500 | 4,326 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,590 |
| Cost of funding earning assets | 0.5649% | 3,156 |
| Net interest margin | 4.0639% | 1,187 |
| Noninterest income to average assets | 0.1160% | 4,717 |
| Noninterest expense to average assets | 2.7710% | 2,161 |
| Loan and lease loss provision to assets | -0.0446% | 5,017 |
| Net operating income to assets | 1.1328% | 1,867 |
| Return on assets (ROA) | 1.1328% | 1,983 |
| Pretax return on assets | 1.1328% | 2,603 |
| Return on Equity (ROE) | 7.2680% | 3,024 |
| Retained earnings to average equity (ytd only) | 1.5452% | 3,919 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8028% | 1,709 |
| Assets per employee ($millions) | 4.6529% | 3,593 |
| Cash dividends to net income (ytd only)* | 78.7402% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,260 |
| Loan loss allowance to noncurrent loans | 92.8726% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 1,341 |
| Noncurrent loans to loans | 1.1464% | 1,375 |
| Net loans and leases to total assets | 57.2522% | 3,583 |
| Net loans and leases to deposits | 67.8750% | 3,582 |
| Net loans and leases to core deposits | 69.9900% | 3,708 |
| Total domestic deposits to total assets | 84.3494% | 2,611 |
| Equity capital to assets | 15.4399% | 548 |
| Core capital (leverage) ratio | 15.1136% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,268,667 | 4,442 |
| Average earning assets | $61,960,333 | 4,436 |
| Average equity | $10,484,333 | 4,170 |
| Average total loans | $40,032,000 | 4,354 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 2,053 |
| Cost of funding earning assets | 0.5607% | 3,641 |
| Net interest margin | 4.0206% | 1,334 |
| Noninterest income to average assets | 0.2303% | 4,169 |
| Noninterest expense to average assets | 2.8785% | 2,182 |
| Loan and lease loss provision to assets | -0.0606% | 5,063 |
| Net operating income to assets | 1.2362% | 1,418 |
| Return on assets (ROA) | 1.2362% | 1,517 |
| Pretax return on assets | 1.2362% | 2,081 |
| Return on Equity (ROE) | 7.8928% | 2,561 |
| Retained earnings to average equity (ytd only) | 2.0893% | 3,414 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0015% | 2,217 |
| Assets per employee ($millions) | 4.3273% | 3,502 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,180 |
| Loan loss allowance to noncurrent loans | 79.9632% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 1,222 |
| Noncurrent loans to loans | 1.3820% | 1,161 |
| Net loans and leases to total assets | 59.9707% | 3,496 |
| Net loans and leases to deposits | 71.5189% | 3,477 |
| Net loans and leases to core deposits | 73.9003% | 3,641 |
| Total domestic deposits to total assets | 83.8530% | 2,835 |
| Equity capital to assets | 15.9868% | 584 |
| Core capital (leverage) ratio | 15.3203% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,006,500 | 4,469 |
| Average earning assets | $62,776,000 | 4,436 |
| Average equity | $10,338,500 | 4,202 |
| Average total loans | $39,854,000 | 4,381 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 2,698 |
| Cost of funding earning assets | 0.5642% | 3,806 |
| Net interest margin | 4.0096% | 1,825 |
| Noninterest income to average assets | 0.2444% | 4,218 |
| Noninterest expense to average assets | 2.6990% | 2,886 |
| Loan and lease loss provision to assets | -0.0370% | 4,990 |
| Net operating income to assets | 1.4251% | 1,260 |
| Return on assets (ROA) | 1.4251% | 1,328 |
| Pretax return on assets | 1.4251% | 2,066 |
| Return on Equity (ROE) | 9.5579% | 2,496 |
| Retained earnings to average equity (ytd only) | 1.6095% | 4,160 |
| Net charge-offs to loans | 0.2081% | 991 |
| Credit loss provision to net charge-offs | -29.4118% | 4,139 |
| Earnings coverage of net charge-offs (x) | 11.0235% | 2,525 |
| Efficiency ratio | 66.0384% | 2,763 |
| Assets per employee ($millions) | 4.7931% | 2,848 |
| Cash dividends to net income (ytd only)* | 83.1601% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 2,934 |
| Loan loss allowance to noncurrent loans | 108.5366% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 1,542 |
| Noncurrent loans to loans | 1.0162% | 1,494 |
| Net loans and leases to total assets | 59.4623% | 3,633 |
| Net loans and leases to deposits | 70.5588% | 3,625 |
| Net loans and leases to core deposits | 72.7404% | 3,814 |
| Total domestic deposits to total assets | 84.2734% | 2,765 |
| Equity capital to assets | 15.3495% | 723 |
| Core capital (leverage) ratio | 15.3197% | 623 |
| Tier 1 risk-based capital ratio | 29.0974% | 511 |
| Total risk-based capital ratio | 30.3477% | 501 |
| Memoranda: | ||
| Average total assets | $67,505,800 | 4,473 |
| Average earning assets | $64,694,400 | 4,426 |
| Average equity | $10,065,000 | 4,232 |
| Average total loans | $40,841,800 | 4,389 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 2,930 |
| Cost of funding earning assets | 0.5718% | 3,812 |
| Net interest margin | 3.9673% | 2,051 |
| Noninterest income to average assets | 0.2445% | 4,272 |
| Noninterest expense to average assets | 2.6703% | 2,946 |
| Loan and lease loss provision to assets | -0.0493% | 5,123 |
| Net operating income to assets | 1.4278% | 1,392 |
| Return on assets (ROA) | 1.4278% | 1,445 |
| Pretax return on assets | 1.4278% | 2,196 |
| Return on Equity (ROE) | 9.6471% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.6509% | 3,578 |
| Net charge-offs to loans | 0.2734% | 642 |
| Credit loss provision to net charge-offs | -29.7619% | 3,987 |
| Earnings coverage of net charge-offs (x) | 8.3213% | 2,669 |
| Efficiency ratio | 65.9523% | 2,732 |
| Assets per employee ($millions) | 4.7816% | 2,819 |
| Cash dividends to net income (ytd only)* | 62.1552% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,046 |
| Loan loss allowance to noncurrent loans | 108.2524% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 1,641 |
| Noncurrent loans to loans | 1.0129% | 1,580 |
| Net loans and leases to total assets | 60.0959% | 3,665 |
| Net loans and leases to deposits | 71.5505% | 3,635 |
| Net loans and leases to core deposits | 74.8215% | 3,778 |
| Total domestic deposits to total assets | 83.9909% | 2,831 |
| Equity capital to assets | 15.6790% | 703 |
| Core capital (leverage) ratio | 15.1860% | 696 |
| Tier 1 risk-based capital ratio | 29.2189% | 510 |
| Total risk-based capital ratio | 30.4692% | 502 |
| Memoranda: | ||
| Average total assets | $67,606,500 | 4,526 |
| Average earning assets | $64,829,000 | 4,477 |
| Average equity | $10,006,250 | 4,286 |
| Average total loans | $40,965,750 | 4,444 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,993 |
| Cost of funding earning assets | 0.5596% | 3,840 |
| Net interest margin | 3.9477% | 2,102 |
| Noninterest income to average assets | 0.2359% | 4,343 |
| Noninterest expense to average assets | 2.7128% | 2,865 |
| Loan and lease loss provision to assets | -0.0737% | 5,199 |
| Net operating income to assets | 1.3829% | 1,478 |
| Return on assets (ROA) | 1.3829% | 1,537 |
| Pretax return on assets | 1.3829% | 2,251 |
| Return on Equity (ROE) | 9.5296% | 2,617 |
| Retained earnings to average equity (ytd only) | 3.4339% | 3,525 |
| Net charge-offs to loans | 0.3069% | 559 |
| Credit loss provision to net charge-offs | -39.6825% | 3,814 |
| Earnings coverage of net charge-offs (x) | 7.0476% | 2,526 |
| Efficiency ratio | 67.4487% | 2,619 |
| Assets per employee ($millions) | 4.7731% | 2,778 |
| Cash dividends to net income (ytd only)* | 63.9659% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 2,794 |
| Loan loss allowance to noncurrent loans | 112.5301% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 1,602 |
| Noncurrent loans to loans | 1.0213% | 1,606 |
| Net loans and leases to total assets | 60.1116% | 3,724 |
| Net loans and leases to deposits | 71.2065% | 3,753 |
| Net loans and leases to core deposits | 74.8639% | 3,828 |
| Total domestic deposits to total assets | 84.4188% | 2,718 |
| Equity capital to assets | 15.3164% | 743 |
| Core capital (leverage) ratio | 15.0871% | 688 |
| Tier 1 risk-based capital ratio | 28.6042% | 534 |
| Total risk-based capital ratio | 29.8551% | 525 |
| Memoranda: | ||
| Average total assets | $67,827,670 | 4,552 |
| Average earning assets | $65,050,000 | 4,509 |
| Average equity | $9,843,000 | 4,322 |
| Average total loans | $41,062,330 | 4,472 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 2,962 |
| Cost of funding earning assets | 0.5432% | 3,860 |
| Net interest margin | 3.9302% | 2,091 |
| Noninterest income to average assets | 0.2225% | 4,409 |
| Noninterest expense to average assets | 2.6401% | 3,085 |
| Loan and lease loss provision to assets | -0.0878% | 5,282 |
| Net operating income to assets | 1.4401% | 1,270 |
| Return on assets (ROA) | 1.4401% | 1,297 |
| Pretax return on assets | 1.4401% | 1,962 |
| Return on Equity (ROE) | 10.2001% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.9805% | 3,320 |
| Net charge-offs to loans | 0.0194% | 2,072 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 607 |
| Efficiency ratio | 66.1290% | 2,925 |
| Assets per employee ($millions) | 4.7753% | 2,819 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,070 |
| Loan loss allowance to noncurrent loans | 83.9314% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 1,463 |
| Noncurrent loans to loans | 1.5558% | 1,031 |
| Net loans and leases to total assets | 60.8236% | 3,623 |
| Net loans and leases to deposits | 71.5243% | 3,642 |
| Net loans and leases to core deposits | 75.1474% | 3,725 |
| Total domestic deposits to total assets | 85.0390% | 2,667 |
| Equity capital to assets | 14.7815% | 797 |
| Core capital (leverage) ratio | 14.5896% | 791 |
| Tier 1 risk-based capital ratio | 28.2314% | 546 |
| Total risk-based capital ratio | 29.4834% | 537 |
| Memoranda: | ||
| Average total assets | $68,329,500 | 4,597 |
| Average earning assets | $65,543,000 | 4,550 |
| Average equity | $9,647,000 | 4,379 |
| Average total loans | $41,275,500 | 4,505 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 2,092 |
| Cost of funding earning assets | 0.4785% | 3,495 |
| Net interest margin | 4.1386% | 1,563 |
| Noninterest income to average assets | 0.2596% | 4,377 |
| Noninterest expense to average assets | 2.6994% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3705% | 1,532 |
| Return on assets (ROA) | 1.3705% | 1,518 |
| Pretax return on assets | 1.3705% | 2,235 |
| Return on Equity (ROE) | 9.8489% | 2,577 |
| Retained earnings to average equity (ytd only) | 1.3217% | 4,605 |
| Net charge-offs to loans | 0.1548% | 1,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 2,369 |
| Efficiency ratio | 66.3265% | 2,821 |
| Assets per employee ($millions) | 5.3696% | 2,090 |
| Cash dividends to net income (ytd only)* | 86.5801% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 1,863 |
| Loan loss allowance to noncurrent loans | 86.0465% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 1,491 |
| Noncurrent loans to loans | 1.5599% | 951 |
| Net loans and leases to total assets | 58.4414% | 3,916 |
| Net loans and leases to deposits | 67.8368% | 3,993 |
| Net loans and leases to core deposits | 70.7522% | 4,079 |
| Total domestic deposits to total assets | 86.1500% | 2,158 |
| Equity capital to assets | 13.4833% | 1,151 |
| Core capital (leverage) ratio | 14.7470% | 746 |
| Tier 1 risk-based capital ratio | 27.4956% | 592 |
| Total risk-based capital ratio | 28.7489% | 583 |
| Memoranda: | ||
| Average total assets | $67,422,000 | 4,624 |
| Average earning assets | $62,074,400 | 4,630 |
| Average equity | $9,381,800 | 4,404 |
| Average total loans | $40,704,200 | 4,532 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,856 |
| Cost of funding earning assets | 0.4705% | 3,389 |
| Net interest margin | 4.1736% | 1,432 |
| Noninterest income to average assets | 0.2733% | 4,325 |
| Noninterest expense to average assets | 2.7394% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3388% | 1,709 |
| Return on assets (ROA) | 1.3388% | 1,718 |
| Pretax return on assets | 1.3388% | 2,471 |
| Return on Equity (ROE) | 9.5436% | 2,822 |
| Retained earnings to average equity (ytd only) | 3.1433% | 4,174 |
| Net charge-offs to loans | 0.1677% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.1565% | 2,392 |
| Efficiency ratio | 67.1722% | 2,690 |
| Assets per employee ($millions) | 4.7901% | 2,736 |
| Cash dividends to net income (ytd only)* | 67.0650% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,772 |
| Loan loss allowance to noncurrent loans | 83.1378% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 1,425 |
| Noncurrent loans to loans | 1.6632% | 936 |
| Net loans and leases to total assets | 60.2994% | 3,815 |
| Net loans and leases to deposits | 70.2976% | 3,895 |
| Net loans and leases to core deposits | 73.4408% | 3,984 |
| Total domestic deposits to total assets | 85.7773% | 2,293 |
| Equity capital to assets | 13.9110% | 986 |
| Core capital (leverage) ratio | 14.7636% | 767 |
| Tier 1 risk-based capital ratio | 28.0825% | 567 |
| Total risk-based capital ratio | 29.3362% | 555 |
| Memoranda: | ||
| Average total assets | $66,826,250 | 4,686 |
| Average earning assets | $60,920,500 | 4,701 |
| Average equity | $9,374,250 | 4,442 |
| Average total loans | $40,542,750 | 4,580 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,589 |
| Cost of funding earning assets | 0.4580% | 3,300 |
| Net interest margin | 4.2085% | 1,268 |
| Noninterest income to average assets | 0.2337% | 4,616 |
| Noninterest expense to average assets | 2.7716% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2345% | 2,038 |
| Return on assets (ROA) | 1.2345% | 2,034 |
| Pretax return on assets | 1.2345% | 2,795 |
| Return on Equity (ROE) | 8.7759% | 3,133 |
| Retained earnings to average equity (ytd only) | 2.3857% | 4,321 |
| Net charge-offs to loans | 0.2724% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.4909% | 2,541 |
| Efficiency ratio | 69.1847% | 2,451 |
| Assets per employee ($millions) | 4.4999% | 3,129 |
| Cash dividends to net income (ytd only)* | 72.8155% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,815 |
| Loan loss allowance to noncurrent loans | 84.1555% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 1,419 |
| Noncurrent loans to loans | 1.6426% | 976 |
| Net loans and leases to total assets | 59.5069% | 3,851 |
| Net loans and leases to deposits | 69.2171% | 3,925 |
| Net loans and leases to core deposits | 72.2553% | 3,988 |
| Total domestic deposits to total assets | 85.9714% | 2,295 |
| Equity capital to assets | 13.8093% | 984 |
| Core capital (leverage) ratio | 15.3141% | 613 |
| Tier 1 risk-based capital ratio | 27.5233% | 582 |
| Total risk-based capital ratio | 28.7766% | 579 |
| Memoranda: | ||
| Average total assets | $66,747,670 | 4,744 |
| Average earning assets | $59,831,000 | 4,771 |
| Average equity | $9,389,330 | 4,475 |
| Average total loans | $40,388,670 | 4,630 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 1,571 |
| Cost of funding earning assets | 0.4433% | 3,262 |
| Net interest margin | 4.1576% | 1,278 |
| Noninterest income to average assets | 0.2350% | 4,604 |
| Noninterest expense to average assets | 2.7903% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1752% | 2,114 |
| Return on assets (ROA) | 1.1752% | 2,123 |
| Pretax return on assets | 1.1752% | 2,868 |
| Return on Equity (ROE) | 8.2772% | 3,258 |
| Retained earnings to average equity (ytd only) | 1.9101% | 4,382 |
| Net charge-offs to loans | 0.0398% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 960 |
| Efficiency ratio | 70.3647% | 2,431 |
| Assets per employee ($millions) | 4.3151% | 3,456 |
| Cash dividends to net income (ytd only)* | 76.9231% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,383 |
| Loan loss allowance to noncurrent loans | 57.8154% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 815 |
| Noncurrent loans to loans | 2.6336% | 493 |
| Net loans and leases to total assets | 61.3515% | 3,616 |
| Net loans and leases to deposits | 71.8023% | 3,629 |
| Net loans and leases to core deposits | 75.1021% | 3,734 |
| Total domestic deposits to total assets | 85.4450% | 2,774 |
| Equity capital to assets | 14.4252% | 790 |
| Core capital (leverage) ratio | 14.8428% | 676 |
| Tier 1 risk-based capital ratio | 27.2762% | 599 |
| Total risk-based capital ratio | 28.5323% | 592 |
| Memoranda: | ||
| Average total assets | $66,372,500 | 4,804 |
| Average earning assets | $59,553,500 | 4,838 |
| Average equity | $9,423,500 | 4,515 |
| Average total loans | $40,218,500 | 4,685 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 1,282 |
| Cost of funding earning assets | 0.4345% | 2,921 |
| Net interest margin | 4.2265% | 1,135 |
| Noninterest income to average assets | 0.2841% | 4,427 |
| Noninterest expense to average assets | 2.8207% | 2,707 |
| Loan and lease loss provision to assets | 0.0154% | 3,986 |
| Net operating income to assets | 1.2629% | 1,318 |
| Return on assets (ROA) | 1.2629% | 1,341 |
| Pretax return on assets | 1.2629% | 2,497 |
| Return on Equity (ROE) | 8.6307% | 2,482 |
| Retained earnings to average equity (ytd only) | 2.3001% | 3,943 |
| Net charge-offs to loans | 0.2255% | 1,150 |
| Credit loss provision to net charge-offs | 10.9890% | 3,659 |
| Earnings coverage of net charge-offs (x) | 9.0989% | 2,828 |
| Efficiency ratio | 68.8136% | 2,743 |
| Assets per employee ($millions) | 4.8584% | 2,665 |
| Cash dividends to net income (ytd only)* | 73.3496% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,294 |
| Loan loss allowance to noncurrent loans | 44.6855% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 550 |
| Noncurrent loans to loans | 3.4478% | 297 |
| Net loans and leases to total assets | 58.0640% | 3,998 |
| Net loans and leases to deposits | 67.7334% | 4,044 |
| Net loans and leases to core deposits | 71.3249% | 4,097 |
| Total domestic deposits to total assets | 85.7244% | 2,564 |
| Equity capital to assets | 13.9816% | 919 |
| Core capital (leverage) ratio | 15.2146% | 585 |
| Tier 1 risk-based capital ratio | 26.3690% | 636 |
| Total risk-based capital ratio | 27.6237% | 626 |
| Memoranda: | ||
| Average total assets | $64,771,000 | 4,867 |
| Average earning assets | $58,464,000 | 4,899 |
| Average equity | $9,477,800 | 4,529 |
| Average total loans | $40,356,400 | 4,722 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 1,136 |
| Cost of funding earning assets | 0.4333% | 2,868 |
| Net interest margin | 4.2662% | 1,006 |
| Noninterest income to average assets | 0.2647% | 4,615 |
| Noninterest expense to average assets | 2.8914% | 2,442 |
| Loan and lease loss provision to assets | 0.0208% | 3,731 |
| Net operating income to assets | 1.2320% | 1,572 |
| Return on assets (ROA) | 1.2320% | 1,597 |
| Pretax return on assets | 1.2320% | 2,779 |
| Return on Equity (ROE) | 8.3210% | 2,969 |
| Retained earnings to average equity (ytd only) | 1.9853% | 4,643 |
| Net charge-offs to loans | 0.2936% | 724 |
| Credit loss provision to net charge-offs | 11.2360% | 3,216 |
| Earnings coverage of net charge-offs (x) | 6.7530% | 2,948 |
| Efficiency ratio | 69.7686% | 2,573 |
| Assets per employee ($millions) | 4.5541% | 3,041 |
| Cash dividends to net income (ytd only)* | 76.1428% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,360 |
| Loan loss allowance to noncurrent loans | 57.1956% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7284% | 826 |
| Noncurrent loans to loans | 2.7136% | 525 |
| Net loans and leases to total assets | 61.6817% | 3,685 |
| Net loans and leases to deposits | 72.8642% | 3,680 |
| Net loans and leases to core deposits | 77.0725% | 3,720 |
| Total domestic deposits to total assets | 84.6529% | 2,859 |
| Equity capital to assets | 15.0867% | 716 |
| Core capital (leverage) ratio | 15.2214% | 617 |
| Tier 1 risk-based capital ratio | 27.2822% | 608 |
| Total risk-based capital ratio | 28.5374% | 596 |
| Memoranda: | ||
| Average total assets | $63,959,250 | 4,933 |
| Average earning assets | $58,161,750 | 4,957 |
| Average equity | $9,469,750 | 4,580 |
| Average total loans | $40,417,500 | 4,764 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 1,052 |
| Cost of funding earning assets | 0.4344% | 2,763 |
| Net interest margin | 4.2681% | 942 |
| Noninterest income to average assets | 0.2561% | 4,700 |
| Noninterest expense to average assets | 2.9613% | 2,229 |
| Loan and lease loss provision to assets | 0.0312% | 3,375 |
| Net operating income to assets | 1.1308% | 1,853 |
| Return on assets (ROA) | 1.1308% | 1,902 |
| Pretax return on assets | 1.1308% | 3,050 |
| Return on Equity (ROE) | 7.6858% | 3,206 |
| Retained earnings to average equity (ytd only) | 1.3163% | 4,725 |
| Net charge-offs to loans | 0.0838% | 1,774 |
| Credit loss provision to net charge-offs | 58.8235% | 2,474 |
| Earnings coverage of net charge-offs (x) | 21.8824% | 1,733 |
| Efficiency ratio | 71.8182% | 2,376 |
| Assets per employee ($millions) | 4.1684% | 3,684 |
| Cash dividends to net income (ytd only)* | 82.8729% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 1,028 |
| Loan loss allowance to noncurrent loans | 54.5311% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 560 |
| Noncurrent loans to loans | 3.1456% | 398 |
| Net loans and leases to total assets | 63.4136% | 3,468 |
| Net loans and leases to deposits | 75.0620% | 3,446 |
| Net loans and leases to core deposits | 79.4589% | 3,460 |
| Total domestic deposits to total assets | 84.4817% | 3,017 |
| Equity capital to assets | 15.3312% | 648 |
| Core capital (leverage) ratio | 15.6084% | 529 |
| Tier 1 risk-based capital ratio | 26.6317% | 631 |
| Total risk-based capital ratio | 27.8891% | 614 |
| Memoranda: | ||
| Average total assets | $64,026,330 | 4,971 |
| Average earning assets | $58,012,330 | 5,001 |
| Average equity | $9,420,000 | 4,605 |
| Average total loans | $40,574,330 | 4,786 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 903 |
| Cost of funding earning assets | 0.4554% | 2,480 |
| Net interest margin | 4.2641% | 861 |
| Noninterest income to average assets | 0.2408% | 4,809 |
| Noninterest expense to average assets | 3.0320% | 2,075 |
| Loan and lease loss provision to assets | 0.0618% | 2,573 |
| Net operating income to assets | 0.9633% | 2,465 |
| Return on assets (ROA) | 0.9633% | 2,522 |
| Pretax return on assets | 0.9633% | 3,529 |
| Return on Equity (ROE) | 6.6831% | 3,563 |
| Retained earnings to average equity (ytd only) | 0.2570% | 4,855 |
| Net charge-offs to loans | 0.1671% | 975 |
| Credit loss provision to net charge-offs | 58.8235% | 1,915 |
| Earnings coverage of net charge-offs (x) | 9.7647% | 1,976 |
| Efficiency ratio | 74.7336% | 2,105 |
| Assets per employee ($millions) | 4.1103% | 3,821 |
| Cash dividends to net income (ytd only)* | 96.1538% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 1,113 |
| Loan loss allowance to noncurrent loans | 63.0811% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 660 |
| Noncurrent loans to loans | 2.7204% | 549 |
| Net loans and leases to total assets | 64.2819% | 3,236 |
| Net loans and leases to deposits | 75.9020% | 3,210 |
| Net loans and leases to core deposits | 80.3687% | 3,254 |
| Total domestic deposits to total assets | 84.6906% | 3,221 |
| Equity capital to assets | 15.2088% | 614 |
| Core capital (leverage) ratio | 14.6900% | 670 |
| Tier 1 risk-based capital ratio | 26.5439% | 656 |
| Total risk-based capital ratio | 27.8017% | 646 |
| Memoranda: | ||
| Average total assets | $64,776,500 | 5,010 |
| Average earning assets | $57,973,000 | 5,048 |
| Average equity | $9,337,000 | 4,653 |
| Average total loans | $40,690,500 | 4,827 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 468 |
| Cost of funding earning assets | 0.5177% | 1,955 |
| Net interest margin | 4.6143% | 496 |
| Noninterest income to average assets | 0.2536% | 4,901 |
| Noninterest expense to average assets | 2.6843% | 3,392 |
| Loan and lease loss provision to assets | 0.2189% | 1,009 |
| Net operating income to assets | 1.4010% | 1,008 |
| Return on assets (ROA) | 1.4010% | 1,030 |
| Pretax return on assets | 1.4010% | 1,938 |
| Return on Equity (ROE) | 9.5283% | 2,181 |
| Retained earnings to average equity (ytd only) | 1.3142% | 4,752 |
| Net charge-offs to loans | 0.2548% | 1,082 |
| Credit loss provision to net charge-offs | 135.5140% | 2,002 |
| Earnings coverage of net charge-offs (x) | 10.0280% | 2,690 |
| Efficiency ratio | 62.3641% | 4,193 |
| Assets per employee ($millions) | 4.5265% | 3,080 |
| Cash dividends to net income (ytd only)* | 86.2069% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 1,131 |
| Loan loss allowance to noncurrent loans | 60.1549% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 899 |
| Noncurrent loans to loans | 2.8303% | 509 |
| Net loans and leases to total assets | 59.4377% | 3,913 |
| Net loans and leases to deposits | 69.1175% | 3,996 |
| Net loans and leases to core deposits | 73.0655% | 4,004 |
| Total domestic deposits to total assets | 85.9952% | 2,586 |
| Equity capital to assets | 13.6926% | 985 |
| Core capital (leverage) ratio | 14.5352% | 690 |
| Tier 1 risk-based capital ratio | 25.4969% | 726 |
| Total risk-based capital ratio | 26.7536% | 715 |
| Memoranda: | ||
| Average total assets | $66,237,800 | 5,007 |
| Average earning assets | $58,144,800 | 5,066 |
| Average equity | $9,739,400 | 4,630 |
| Average total loans | $41,988,800 | 4,816 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 418 |
| Cost of funding earning assets | 0.5197% | 1,939 |
| Net interest margin | 4.6891% | 440 |
| Noninterest income to average assets | 0.2633% | 4,887 |
| Noninterest expense to average assets | 2.7346% | 3,240 |
| Loan and lease loss provision to assets | 0.2329% | 847 |
| Net operating income to assets | 1.4442% | 982 |
| Return on assets (ROA) | 1.4442% | 1,031 |
| Pretax return on assets | 1.4442% | 1,901 |
| Return on Equity (ROE) | 9.6512% | 2,204 |
| Retained earnings to average equity (ytd only) | 3.5600% | 3,762 |
| Net charge-offs to loans | 0.0032% | 3,820 |
| Credit loss provision to net charge-offs | 11,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 830.0526% | 109 |
| Efficiency ratio | 61.9835% | 4,238 |
| Assets per employee ($millions) | 4.4017% | 3,248 |
| Cash dividends to net income (ytd only)* | 63.1143% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 917 |
| Loan loss allowance to noncurrent loans | 62.3492% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.8826% | 858 |
| Noncurrent loans to loans | 2.9762% | 504 |
| Net loans and leases to total assets | 62.0816% | 3,632 |
| Net loans and leases to deposits | 73.3825% | 3,656 |
| Net loans and leases to core deposits | 77.8360% | 3,683 |
| Total domestic deposits to total assets | 84.6000% | 2,986 |
| Equity capital to assets | 15.0971% | 712 |
| Core capital (leverage) ratio | 14.7692% | 675 |
| Tier 1 risk-based capital ratio | 26.0424% | 715 |
| Total risk-based capital ratio | 27.3029% | 696 |
| Memoranda: | ||
| Average total assets | $65,822,750 | 5,057 |
| Average earning assets | $58,232,500 | 5,110 |
| Average equity | $9,850,000 | 4,646 |
| Average total loans | $42,222,000 | 4,851 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 422 |
| Cost of funding earning assets | 0.5247% | 1,906 |
| Net interest margin | 4.6812% | 433 |
| Noninterest income to average assets | 0.2646% | 4,893 |
| Noninterest expense to average assets | 2.8469% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5695% | 775 |
| Return on assets (ROA) | 1.5695% | 816 |
| Pretax return on assets | 1.5695% | 1,459 |
| Return on Equity (ROE) | 10.5192% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.4034% | 3,110 |
| Net charge-offs to loans | 0.0047% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 516.0000% | 131 |
| Efficiency ratio | 64.4628% | 3,939 |
| Assets per employee ($millions) | 4.2995% | 3,371 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,631 |
| Loan loss allowance to noncurrent loans | 60.2740% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 1,059 |
| Noncurrent loans to loans | 2.5974% | 648 |
| Net loans and leases to total assets | 64.3460% | 3,314 |
| Net loans and leases to deposits | 76.3505% | 3,341 |
| Net loans and leases to core deposits | 81.1570% | 3,345 |
| Total domestic deposits to total assets | 84.2771% | 3,162 |
| Equity capital to assets | 15.4686% | 632 |
| Core capital (leverage) ratio | 15.2480% | 565 |
| Tier 1 risk-based capital ratio | 26.3417% | 704 |
| Total risk-based capital ratio | 27.5984% | 687 |
| Memoranda: | ||
| Average total assets | $65,755,000 | 5,108 |
| Average earning assets | $58,318,330 | 5,157 |
| Average equity | $9,810,670 | 4,680 |
| Average total loans | $42,374,330 | 4,887 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 451 |
| Cost of funding earning assets | 0.5280% | 1,884 |
| Net interest margin | 4.6233% | 478 |
| Noninterest income to average assets | 0.2410% | 5,015 |
| Noninterest expense to average assets | 2.7596% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4883% | 879 |
| Return on assets (ROA) | 1.4883% | 918 |
| Pretax return on assets | 1.5967% | 1,306 |
| Return on Equity (ROE) | 10.1563% | 1,925 |
| Retained earnings to average equity (ytd only) | 3.9885% | 3,496 |
| Net charge-offs to loans | 0.0094% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 229 |
| Efficiency ratio | 63.3472% | 4,244 |
| Assets per employee ($millions) | 4.2189% | 3,552 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,755 |
| Loan loss allowance to noncurrent loans | 53.5714% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.9468% | 912 |
| Noncurrent loans to loans | 2.9085% | 577 |
| Net loans and leases to total assets | 65.8929% | 2,970 |
| Net loans and leases to deposits | 78.2110% | 2,984 |
| Net loans and leases to core deposits | 83.3713% | 2,997 |
| Total domestic deposits to total assets | 84.2501% | 3,427 |
| Equity capital to assets | 15.5508% | 592 |
| Core capital (leverage) ratio | 14.2970% | 737 |
| Tier 1 risk-based capital ratio | 25.9053% | 744 |
| Total risk-based capital ratio | 27.1619% | 728 |
| Memoranda: | ||
| Average total assets | $66,386,500 | 5,138 |
| Average earning assets | $59,092,500 | 5,181 |
| Average equity | $9,728,000 | 4,721 |
| Average total loans | $42,482,500 | 4,918 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 548 |
| Cost of funding earning assets | 0.5663% | 1,620 |
| Net interest margin | 4.5022% | 650 |
| Noninterest income to average assets | 0.1752% | 5,537 |
| Noninterest expense to average assets | 2.6127% | 3,876 |
| Loan and lease loss provision to assets | 0.0742% | 2,787 |
| Net operating income to assets | 1.5602% | 767 |
| Return on assets (ROA) | 1.5602% | 789 |
| Pretax return on assets | 1.5602% | 1,374 |
| Return on Equity (ROE) | 11.0108% | 1,610 |
| Retained earnings to average equity (ytd only) | 3.1534% | 3,809 |
| Net charge-offs to loans | 0.0277% | 3,674 |
| Credit loss provision to net charge-offs | 416.6667% | 735 |
| Earnings coverage of net charge-offs (x) | 91.7500% | 623 |
| Efficiency ratio | 61.5170% | 4,686 |
| Assets per employee ($millions) | 4.9636% | 2,408 |
| Cash dividends to net income (ytd only)* | 71.3606% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,795 |
| Loan loss allowance to noncurrent loans | 42.1825% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.2550% | 740 |
| Noncurrent loans to loans | 3.6779% | 356 |
| Net loans and leases to total assets | 60.3612% | 3,786 |
| Net loans and leases to deposits | 70.3067% | 3,891 |
| Net loans and leases to core deposits | 74.3389% | 3,905 |
| Total domestic deposits to total assets | 85.8541% | 2,710 |
| Equity capital to assets | 13.8365% | 987 |
| Core capital (leverage) ratio | 13.9931% | 818 |
| Tier 1 risk-based capital ratio | 24.3287% | 884 |
| Total risk-based capital ratio | 25.5852% | 865 |
| Memoranda: | ||
| Average total assets | $67,363,800 | 5,147 |
| Average earning assets | $60,925,600 | 5,165 |
| Average equity | $9,545,200 | 4,737 |
| Average total loans | $43,369,600 | 4,878 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 537 |
| Cost of funding earning assets | 0.5791% | 1,553 |
| Net interest margin | 4.5021% | 645 |
| Noninterest income to average assets | 0.1935% | 5,497 |
| Noninterest expense to average assets | 2.7451% | 3,402 |
| Loan and lease loss provision to assets | 0.0998% | 2,184 |
| Net operating income to assets | 1.4743% | 958 |
| Return on assets (ROA) | 1.4743% | 996 |
| Pretax return on assets | 1.4743% | 1,752 |
| Return on Equity (ROE) | 10.3415% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.0442% | 3,582 |
| Net charge-offs to loans | 0.0306% | 3,313 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 78.9175% | 750 |
| Efficiency ratio | 63.5566% | 4,325 |
| Assets per employee ($millions) | 4.5449% | 2,929 |
| Cash dividends to net income (ytd only)* | 60.8935% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,973 |
| Loan loss allowance to noncurrent loans | 51.2761% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 923 |
| Noncurrent loans to loans | 3.0183% | 581 |
| Net loans and leases to total assets | 61.8638% | 3,631 |
| Net loans and leases to deposits | 72.3426% | 3,728 |
| Net loans and leases to core deposits | 78.7479% | 3,538 |
| Total domestic deposits to total assets | 85.5150% | 2,774 |
| Equity capital to assets | 14.2019% | 945 |
| Core capital (leverage) ratio | 14.0355% | 852 |
| Tier 1 risk-based capital ratio | 24.2587% | 922 |
| Total risk-based capital ratio | 25.5130% | 906 |
| Memoranda: | ||
| Average total assets | $66,832,250 | 5,225 |
| Average earning assets | $61,244,500 | 5,217 |
| Average equity | $9,527,750 | 4,802 |
| Average total loans | $43,560,500 | 4,928 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 472 |
| Cost of funding earning assets | 0.6076% | 1,362 |
| Net interest margin | 4.5245% | 611 |
| Noninterest income to average assets | 0.2862% | 4,914 |
| Noninterest expense to average assets | 2.9103% | 2,864 |
| Loan and lease loss provision to assets | 0.1506% | 1,415 |
| Net operating income to assets | 1.3979% | 1,092 |
| Return on assets (ROA) | 1.3979% | 1,129 |
| Pretax return on assets | 1.3979% | 1,985 |
| Return on Equity (ROE) | 9.7928% | 2,161 |
| Retained earnings to average equity (ytd only) | 3.4613% | 3,838 |
| Net charge-offs to loans | 0.0320% | 3,022 |
| Credit loss provision to net charge-offs | 714.2857% | 475 |
| Earnings coverage of net charge-offs (x) | 73.4286% | 753 |
| Efficiency ratio | 65.2703% | 4,137 |
| Assets per employee ($millions) | 4.3693% | 3,182 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 2,131 |
| Loan loss allowance to noncurrent loans | 43.7582% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.7861% | 634 |
| Noncurrent loans to loans | 3.5113% | 498 |
| Net loans and leases to total assets | 65.1205% | 3,105 |
| Net loans and leases to deposits | 76.2388% | 3,244 |
| Net loans and leases to core deposits | 83.2245% | 3,055 |
| Total domestic deposits to total assets | 85.4165% | 2,958 |
| Equity capital to assets | 14.3668% | 859 |
| Core capital (leverage) ratio | 14.1951% | 787 |
| Tier 1 risk-based capital ratio | 23.8822% | 967 |
| Total risk-based capital ratio | 25.1337% | 953 |
| Memoranda: | ||
| Average total assets | $66,385,000 | 5,292 |
| Average earning assets | $61,221,670 | 5,274 |
| Average equity | $9,476,330 | 4,844 |
| Average total loans | $43,801,330 | 4,956 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 466 |
| Cost of funding earning assets | 0.6138% | 1,341 |
| Net interest margin | 4.5059% | 600 |
| Noninterest income to average assets | 0.2275% | 5,326 |
| Noninterest expense to average assets | 2.7781% | 3,321 |
| Loan and lease loss provision to assets | 0.1796% | 1,071 |
| Net operating income to assets | 1.4010% | 1,034 |
| Return on assets (ROA) | 1.4010% | 1,086 |
| Pretax return on assets | 1.4010% | 1,888 |
| Return on Equity (ROE) | 9.8459% | 2,072 |
| Retained earnings to average equity (ytd only) | 3.5344% | 3,877 |
| Net charge-offs to loans | -0.0273% | 5,193 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7363% | 4,518 |
| Assets per employee ($millions) | 4.3495% | 3,290 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 2,407 |
| Loan loss allowance to noncurrent loans | 57.2426% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.2455% | 1,011 |
| Noncurrent loans to loans | 2.6375% | 902 |
| Net loans and leases to total assets | 65.5942% | 2,838 |
| Net loans and leases to deposits | 77.0470% | 2,938 |
| Net loans and leases to core deposits | 84.1858% | 2,749 |
| Total domestic deposits to total assets | 85.1353% | 3,341 |
| Equity capital to assets | 14.7206% | 776 |
| Core capital (leverage) ratio | 13.6150% | 937 |
| Tier 1 risk-based capital ratio | 24.2560% | 969 |
| Total risk-based capital ratio | 25.5119% | 951 |
| Memoranda: | ||
| Average total assets | $66,807,500 | 5,336 |
| Average earning assets | $61,253,000 | 5,321 |
| Average equity | $9,506,500 | 4,878 |
| Average total loans | $44,029,000 | 4,983 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 417 |
| Cost of funding earning assets | 0.6594% | 1,343 |
| Net interest margin | 4.6835% | 536 |
| Noninterest income to average assets | 0.2676% | 5,216 |
| Noninterest expense to average assets | 2.8903% | 3,178 |
| Loan and lease loss provision to assets | 0.1663% | 1,577 |
| Net operating income to assets | 1.4845% | 902 |
| Return on assets (ROA) | 1.4845% | 945 |
| Pretax return on assets | 1.4845% | 1,602 |
| Return on Equity (ROE) | 10.6681% | 1,828 |
| Retained earnings to average equity (ytd only) | 1.9772% | 4,805 |
| Net charge-offs to loans | 0.2013% | 2,057 |
| Credit loss provision to net charge-offs | 122.2222% | 1,960 |
| Earnings coverage of net charge-offs (x) | 12.1333% | 2,417 |
| Efficiency ratio | 63.6485% | 4,640 |
| Assets per employee ($millions) | 4.8838% | 2,481 |
| Cash dividends to net income (ytd only)* | 81.4664% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 2,967 |
| Loan loss allowance to noncurrent loans | 54.3630% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.3767% | 987 |
| Noncurrent loans to loans | 2.5691% | 979 |
| Net loans and leases to total assets | 64.3295% | 3,171 |
| Net loans and leases to deposits | 74.8753% | 3,328 |
| Net loans and leases to core deposits | 81.3118% | 3,167 |
| Total domestic deposits to total assets | 85.9155% | 2,888 |
| Equity capital to assets | 13.7613% | 1,044 |
| Core capital (leverage) ratio | 13.8652% | 847 |
| Tier 1 risk-based capital ratio | 22.9640% | 1,089 |
| Total risk-based capital ratio | 24.2165% | 1,066 |
| Memoranda: | ||
| Average total assets | $66,151,400 | 5,387 |
| Average earning assets | $60,360,200 | 5,385 |
| Average equity | $9,205,000 | 4,921 |
| Average total loans | $44,706,400 | 5,007 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 424 |
| Cost of funding earning assets | 0.6653% | 1,354 |
| Net interest margin | 4.6637% | 539 |
| Noninterest income to average assets | 0.3049% | 5,003 |
| Noninterest expense to average assets | 2.9920% | 2,826 |
| Loan and lease loss provision to assets | 0.1829% | 1,340 |
| Net operating income to assets | 1.4045% | 1,123 |
| Return on assets (ROA) | 1.4045% | 1,165 |
| Pretax return on assets | 1.4045% | 1,988 |
| Return on Equity (ROE) | 10.0646% | 2,186 |
| Retained earnings to average equity (ytd only) | 1.3254% | 5,364 |
| Net charge-offs to loans | 0.0805% | 3,051 |
| Credit loss provision to net charge-offs | 333.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 28.9253% | 1,407 |
| Efficiency ratio | 65.3351% | 4,320 |
| Assets per employee ($millions) | 4.4370% | 3,072 |
| Cash dividends to net income (ytd only)* | 86.8307% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 2,771 |
| Loan loss allowance to noncurrent loans | 44.8787% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.6084% | 988 |
| Noncurrent loans to loans | 3.3199% | 747 |
| Net loans and leases to total assets | 66.1618% | 2,835 |
| Net loans and leases to deposits | 77.1930% | 3,049 |
| Net loans and leases to core deposits | 84.4388% | 2,835 |
| Total domestic deposits to total assets | 85.7096% | 3,009 |
| Equity capital to assets | 14.0080% | 1,003 |
| Core capital (leverage) ratio | 13.6965% | 931 |
| Tier 1 risk-based capital ratio | 22.9325% | 1,124 |
| Total risk-based capital ratio | 24.1883% | 1,105 |
| Memoranda: | ||
| Average total assets | $65,596,000 | 5,465 |
| Average earning assets | $60,122,750 | 5,451 |
| Average equity | $9,154,000 | 4,972 |
| Average total loans | $44,731,250 | 5,061 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3760% | 388 |
| Cost of funding earning assets | 0.6641% | 1,412 |
| Net interest margin | 4.7119% | 474 |
| Noninterest income to average assets | 0.3095% | 4,939 |
| Noninterest expense to average assets | 3.0179% | 2,767 |
| Loan and lease loss provision to assets | 0.1838% | 1,331 |
| Net operating income to assets | 1.4339% | 990 |
| Return on assets (ROA) | 1.4339% | 1,031 |
| Pretax return on assets | 1.4339% | 1,768 |
| Return on Equity (ROE) | 10.2883% | 2,019 |
| Retained earnings to average equity (ytd only) | 1.4949% | 5,146 |
| Net charge-offs to loans | 0.1207% | 2,466 |
| Credit loss provision to net charge-offs | 222.2222% | 1,072 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,614 |
| Efficiency ratio | 65.1024% | 4,512 |
| Assets per employee ($millions) | 4.3496% | 3,175 |
| Cash dividends to net income (ytd only)* | 85.4701% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 3,248 |
| Loan loss allowance to noncurrent loans | 78.5185% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.8255% | 1,776 |
| Noncurrent loans to loans | 1.8084% | 1,892 |
| Net loans and leases to total assets | 67.6752% | 2,467 |
| Net loans and leases to deposits | 79.1801% | 2,629 |
| Net loans and leases to core deposits | 86.2787% | 2,486 |
| Total domestic deposits to total assets | 85.4699% | 3,298 |
| Equity capital to assets | 14.3078% | 866 |
| Core capital (leverage) ratio | 14.2527% | 764 |
| Tier 1 risk-based capital ratio | 23.0099% | 1,106 |
| Total risk-based capital ratio | 24.2655% | 1,091 |
| Memoranda: | ||
| Average total assets | $65,276,330 | 5,522 |
| Average earning assets | $59,933,000 | 5,505 |
| Average equity | $9,097,670 | 5,004 |
| Average total loans | $44,741,670 | 5,089 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 343 |
| Cost of funding earning assets | 0.6661% | 1,465 |
| Net interest margin | 4.7430% | 427 |
| Noninterest income to average assets | 0.3124% | 4,867 |
| Noninterest expense to average assets | 3.2714% | 2,015 |
| Loan and lease loss provision to assets | 0.1838% | 1,304 |
| Net operating income to assets | 1.2191% | 1,428 |
| Return on assets (ROA) | 1.2191% | 1,486 |
| Pretax return on assets | 1.2191% | 2,395 |
| Return on Equity (ROE) | 8.8651% | 2,529 |
| Retained earnings to average equity (ytd only) | -0.0445% | 5,561 |
| Net charge-offs to loans | 0.2415% | 1,355 |
| Credit loss provision to net charge-offs | 111.1111% | 1,536 |
| Earnings coverage of net charge-offs (x) | 8.4815% | 2,020 |
| Efficiency ratio | 69.9869% | 3,843 |
| Assets per employee ($millions) | 4.1844% | 3,560 |
| Cash dividends to net income (ytd only)* | 100.5025% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 3,724 |
| Loan loss allowance to noncurrent loans | 86.3248% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.9581% | 1,749 |
| Noncurrent loans to loans | 1.5918% | 2,427 |
| Net loans and leases to total assets | 69.2987% | 2,015 |
| Net loans and leases to deposits | 81.0117% | 2,159 |
| Net loans and leases to core deposits | 88.1503% | 2,078 |
| Total domestic deposits to total assets | 85.5415% | 3,589 |
| Equity capital to assets | 14.3023% | 828 |
| Core capital (leverage) ratio | 13.5432% | 959 |
| Tier 1 risk-based capital ratio | 23.1995% | 1,112 |
| Total risk-based capital ratio | 24.4519% | 1,097 |
| Memoranda: | ||
| Average total assets | $65,292,500 | 5,584 |
| Average earning assets | $60,047,000 | 5,562 |
| Average equity | $8,979,000 | 5,056 |
| Average total loans | $44,717,500 | 5,132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 301 |
| Cost of funding earning assets | 0.7151% | 1,710 |
| Net interest margin | 4.9130% | 350 |
| Noninterest income to average assets | 0.1136% | 6,340 |
| Noninterest expense to average assets | 2.9650% | 3,146 |
| Loan and lease loss provision to assets | 0.1364% | 2,602 |
| Net operating income to assets | 1.5196% | 785 |
| Return on assets (ROA) | 1.5196% | 825 |
| Pretax return on assets | 1.5196% | 1,383 |
| Return on Equity (ROE) | 11.2742% | 1,676 |
| Retained earnings to average equity (ytd only) | 2.0570% | 4,778 |
| Net charge-offs to loans | 0.1334% | 3,467 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 18.2167% | 1,665 |
| Efficiency ratio | 64.1639% | 4,863 |
| Assets per employee ($millions) | 4.2387% | 3,383 |
| Cash dividends to net income (ytd only)* | 81.7547% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 3,977 |
| Loan loss allowance to noncurrent loans | 63.9449% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.0451% | 1,756 |
| Noncurrent loans to loans | 2.0802% | 1,906 |
| Net loans and leases to total assets | 65.9550% | 2,698 |
| Net loans and leases to deposits | 76.2725% | 2,936 |
| Net loans and leases to core deposits | 84.1232% | 2,664 |
| Total domestic deposits to total assets | 86.4728% | 3,010 |
| Equity capital to assets | 13.2426% | 1,160 |
| Core capital (leverage) ratio | 13.6874% | 906 |
| Tier 1 risk-based capital ratio | 22.2660% | 1,214 |
| Total risk-based capital ratio | 23.5180% | 1,189 |
| Memoranda: | ||
| Average total assets | $66,002,600 | 5,596 |
| Average earning assets | $60,554,200 | 5,573 |
| Average equity | $8,896,400 | 5,114 |
| Average total loans | $44,963,200 | 5,149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6200% | 312 |
| Cost of funding earning assets | 0.7160% | 1,844 |
| Net interest margin | 4.9040% | 365 |
| Noninterest income to average assets | 0.1139% | 6,437 |
| Noninterest expense to average assets | 2.9616% | 3,103 |
| Loan and lease loss provision to assets | 0.1627% | 2,221 |
| Net operating income to assets | 1.5174% | 870 |
| Return on assets (ROA) | 1.5174% | 918 |
| Pretax return on assets | 1.5174% | 1,553 |
| Return on Equity (ROE) | 11.2069% | 1,748 |
| Retained earnings to average equity (ytd only) | 1.8929% | 5,183 |
| Net charge-offs to loans | 0.1070% | 3,469 |
| Credit loss provision to net charge-offs | 222.2222% | 1,098 |
| Earnings coverage of net charge-offs (x) | 22.9440% | 1,478 |
| Efficiency ratio | 63.8037% | 4,834 |
| Assets per employee ($millions) | 4.1463% | 3,540 |
| Cash dividends to net income (ytd only)* | 83.1105% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,079 |
| Loan loss allowance to noncurrent loans | 56.8140% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 1,826 |
| Noncurrent loans to loans | 2.3948% | 1,830 |
| Net loans and leases to total assets | 67.4269% | 2,389 |
| Net loans and leases to deposits | 78.1860% | 2,635 |
| Net loans and leases to core deposits | 90.7599% | 1,894 |
| Total domestic deposits to total assets | 86.2391% | 3,109 |
| Equity capital to assets | 13.4655% | 1,132 |
| Core capital (leverage) ratio | 13.5315% | 1,011 |
| Tier 1 risk-based capital ratio | 23.0137% | 1,144 |
| Total risk-based capital ratio | 24.2459% | 1,129 |
| Memoranda: | ||
| Average total assets | $65,548,500 | 5,665 |
| Average earning assets | $60,520,250 | 5,636 |
| Average equity | $8,875,250 | 5,172 |
| Average total loans | $44,870,750 | 5,207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 313 |
| Cost of funding earning assets | 0.7224% | 1,906 |
| Net interest margin | 4.8845% | 380 |
| Noninterest income to average assets | 0.2451% | 5,701 |
| Noninterest expense to average assets | 2.9226% | 3,265 |
| Loan and lease loss provision to assets | 0.1838% | 2,063 |
| Net operating income to assets | 1.6543% | 680 |
| Return on assets (ROA) | 1.6543% | 748 |
| Pretax return on assets | 1.6543% | 1,226 |
| Return on Equity (ROE) | 12.1951% | 1,430 |
| Retained earnings to average equity (ytd only) | 3.1617% | 4,307 |
| Net charge-offs to loans | 0.1297% | 3,079 |
| Credit loss provision to net charge-offs | 206.8966% | 1,161 |
| Earnings coverage of net charge-offs (x) | 20.6897% | 1,447 |
| Efficiency ratio | 61.3900% | 5,264 |
| Assets per employee ($millions) | 4.3111% | 3,159 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,330 |
| Loan loss allowance to noncurrent loans | 46.7854% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.6536% | 1,572 |
| Noncurrent loans to loans | 2.8587% | 1,580 |
| Net loans and leases to total assets | 68.9033% | 2,078 |
| Net loans and leases to deposits | 80.1688% | 2,296 |
| Net loans and leases to core deposits | 91.5266% | 1,758 |
| Total domestic deposits to total assets | 85.9478% | 3,400 |
| Equity capital to assets | 13.8264% | 1,017 |
| Core capital (leverage) ratio | 13.8624% | 860 |
| Tier 1 risk-based capital ratio | 23.1326% | 1,112 |
| Total risk-based capital ratio | 24.3875% | 1,097 |
| Memoranda: | ||
| Average total assets | $65,284,670 | 5,716 |
| Average earning assets | $60,354,000 | 5,683 |
| Average equity | $8,856,000 | 5,212 |
| Average total loans | $44,711,670 | 5,237 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5728% | 329 |
| Cost of funding earning assets | 0.7355% | 1,954 |
| Net interest margin | 4.8372% | 378 |
| Noninterest income to average assets | 0.2073% | 5,996 |
| Noninterest expense to average assets | 3.1039% | 2,659 |
| Loan and lease loss provision to assets | 0.1829% | 2,017 |
| Net operating income to assets | 1.3721% | 1,100 |
| Return on assets (ROA) | 1.3721% | 1,187 |
| Pretax return on assets | 1.3721% | 1,958 |
| Return on Equity (ROE) | 10.2116% | 1,991 |
| Retained earnings to average equity (ytd only) | 1.1346% | 5,394 |
| Net charge-offs to loans | 0.2158% | 2,130 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,723 |
| Efficiency ratio | 66.6230% | 4,552 |
| Assets per employee ($millions) | 4.2630% | 3,403 |
| Cash dividends to net income (ytd only)* | 88.8889% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,734 |
| Loan loss allowance to noncurrent loans | 66.8591% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.8625% | 2,525 |
| Noncurrent loans to loans | 1.9352% | 2,696 |
| Net loans and leases to total assets | 69.0750% | 1,833 |
| Net loans and leases to deposits | 80.2755% | 2,041 |
| Net loans and leases to core deposits | 90.6312% | 1,646 |
| Total domestic deposits to total assets | 86.0474% | 3,504 |
| Equity capital to assets | 13.8025% | 1,091 |
| Core capital (leverage) ratio | 13.6231% | 899 |
| Tier 1 risk-based capital ratio | 23.0498% | 1,155 |
| Total risk-based capital ratio | 24.3034% | 1,129 |
| Memoranda: | ||
| Average total assets | $65,594,000 | 5,752 |
| Average earning assets | $60,365,000 | 5,738 |
| Average equity | $8,813,500 | 5,271 |
| Average total loans | $44,487,000 | 5,282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 326 |
| Cost of funding earning assets | 0.8465% | 2,314 |
| Net interest margin | 5.0289% | 374 |
| Noninterest income to average assets | 0.1925% | 6,031 |
| Noninterest expense to average assets | 2.7804% | 4,103 |
| Loan and lease loss provision to assets | 0.2244% | 2,886 |
| Net operating income to assets | 1.7449% | 561 |
| Return on assets (ROA) | 1.7449% | 626 |
| Pretax return on assets | 1.7449% | 1,031 |
| Return on Equity (ROE) | 13.3794% | 1,135 |
| Retained earnings to average equity (ytd only) | 4.0801% | 3,344 |
| Net charge-offs to loans | 0.1804% | 3,928 |
| Credit loss provision to net charge-offs | 185.0000% | 1,418 |
| Earnings coverage of net charge-offs (x) | 16.2375% | 1,589 |
| Efficiency ratio | 58.5381% | 5,761 |
| Assets per employee ($millions) | 4.4829% | 2,992 |
| Cash dividends to net income (ytd only)* | 69.5048% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,653 |
| Loan loss allowance to noncurrent loans | 70.4797% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.7147% | 2,826 |
| Noncurrent loans to loans | 1.8383% | 2,870 |
| Net loans and leases to total assets | 64.9168% | 2,738 |
| Net loans and leases to deposits | 74.9738% | 2,970 |
| Net loans and leases to core deposits | 83.3769% | 2,623 |
| Total domestic deposits to total assets | 86.5860% | 3,046 |
| Equity capital to assets | 13.0884% | 1,397 |
| Core capital (leverage) ratio | 13.5140% | 934 |
| Tier 1 risk-based capital ratio | 22.6357% | 1,165 |
| Total risk-based capital ratio | 23.8883% | 1,143 |
| Memoranda: | ||
| Average total assets | $65,962,600 | 5,743 |
| Average earning assets | $59,774,800 | 5,751 |
| Average equity | $8,602,800 | 5,335 |
| Average total loans | $44,349,200 | 5,310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9344% | 312 |
| Cost of funding earning assets | 0.8580% | 2,475 |
| Net interest margin | 5.0765% | 355 |
| Noninterest income to average assets | 0.1930% | 6,142 |
| Noninterest expense to average assets | 2.8395% | 3,840 |
| Loan and lease loss provision to assets | 0.2844% | 2,292 |
| Net operating income to assets | 1.6838% | 706 |
| Return on assets (ROA) | 1.6838% | 787 |
| Pretax return on assets | 1.6838% | 1,312 |
| Return on Equity (ROE) | 12.9227% | 1,358 |
| Retained earnings to average equity (ytd only) | 3.5698% | 4,363 |
| Net charge-offs to loans | 0.1652% | 3,798 |
| Credit loss provision to net charge-offs | 254.5455% | 1,078 |
| Earnings coverage of net charge-offs (x) | 17.6186% | 1,613 |
| Efficiency ratio | 59.0621% | 5,650 |
| Assets per employee ($millions) | 4.3737% | 3,117 |
| Cash dividends to net income (ytd only)* | 72.3761% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,590 |
| Loan loss allowance to noncurrent loans | 117.7645% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 3,842 |
| Noncurrent loans to loans | 1.1454% | 4,145 |
| Net loans and leases to total assets | 65.7714% | 2,695 |
| Net loans and leases to deposits | 76.0540% | 2,979 |
| Net loans and leases to core deposits | 87.3747% | 2,296 |
| Total domestic deposits to total assets | 86.4799% | 2,997 |
| Equity capital to assets | 13.2290% | 1,480 |
| Core capital (leverage) ratio | 13.0663% | 1,168 |
| Tier 1 risk-based capital ratio | 22.6553% | 1,227 |
| Total risk-based capital ratio | 23.9082% | 1,208 |
| Memoranda: | ||
| Average total assets | $65,642,500 | 5,821 |
| Average earning assets | $59,672,750 | 5,819 |
| Average equity | $8,553,250 | 5,399 |
| Average total loans | $44,380,250 | 5,380 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8687% | 364 |
| Cost of funding earning assets | 0.8714% | 2,649 |
| Net interest margin | 4.9972% | 405 |
| Noninterest income to average assets | 0.1432% | 6,478 |
| Noninterest expense to average assets | 2.9031% | 3,606 |
| Loan and lease loss provision to assets | 0.1523% | 3,624 |
| Net operating income to assets | 1.6297% | 790 |
| Return on assets (ROA) | 1.6297% | 878 |
| Pretax return on assets | 1.6297% | 1,459 |
| Return on Equity (ROE) | 12.5715% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.1722% | 4,502 |
| Net charge-offs to loans | 0.2108% | 3,304 |
| Credit loss provision to net charge-offs | 106.3830% | 2,558 |
| Earnings coverage of net charge-offs (x) | 12.4468% | 1,876 |
| Efficiency ratio | 61.9636% | 5,254 |
| Assets per employee ($millions) | 4.3337% | 3,197 |
| Cash dividends to net income (ytd only)* | 74.7664% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,597 |
| Loan loss allowance to noncurrent loans | 70.6537% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 3,283 |
| Noncurrent loans to loans | 1.6151% | 3,483 |
| Net loans and leases to total assets | 67.7009% | 2,325 |
| Net loans and leases to deposits | 78.2035% | 2,638 |
| Net loans and leases to core deposits | 90.8151% | 1,894 |
| Total domestic deposits to total assets | 86.5703% | 3,033 |
| Equity capital to assets | 13.2067% | 1,428 |
| Core capital (leverage) ratio | 13.0706% | 1,130 |
| Tier 1 risk-based capital ratio | 22.0864% | 1,277 |
| Total risk-based capital ratio | 23.3368% | 1,256 |
| Memoranda: | ||
| Average total assets | $65,654,670 | 5,857 |
| Average earning assets | $59,673,000 | 5,852 |
| Average equity | $8,511,330 | 5,411 |
| Average total loans | $44,593,670 | 5,404 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9227% | 347 |
| Cost of funding earning assets | 0.8730% | 2,886 |
| Net interest margin | 5.0497% | 364 |
| Noninterest income to average assets | 0.2910% | 5,535 |
| Noninterest expense to average assets | 3.1586% | 2,740 |
| Loan and lease loss provision to assets | 0.1819% | 3,153 |
| Net operating income to assets | 1.5096% | 1,004 |
| Return on assets (ROA) | 1.5096% | 1,123 |
| Pretax return on assets | 1.5096% | 1,848 |
| Return on Equity (ROE) | 11.7529% | 1,750 |
| Retained earnings to average equity (ytd only) | 2.3128% | 5,101 |
| Net charge-offs to loans | 0.1972% | 2,936 |
| Credit loss provision to net charge-offs | 136.3636% | 1,800 |
| Earnings coverage of net charge-offs (x) | 12.6818% | 1,583 |
| Efficiency ratio | 65.1250% | 4,712 |
| Assets per employee ($millions) | 4.3495% | 3,306 |
| Cash dividends to net income (ytd only)* | 80.3213% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,702 |
| Loan loss allowance to noncurrent loans | 71.0526% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0278% | 2,858 |
| Noncurrent loans to loans | 1.6216% | 3,683 |
| Net loans and leases to total assets | 67.4555% | 2,207 |
| Net loans and leases to deposits | 77.6930% | 2,573 |
| Net loans and leases to core deposits | 92.4463% | 1,604 |
| Total domestic deposits to total assets | 86.8231% | 3,055 |
| Equity capital to assets | 13.0267% | 1,432 |
| Core capital (leverage) ratio | 12.8615% | 1,184 |
| Tier 1 risk-based capital ratio | 21.6745% | 1,339 |
| Total risk-based capital ratio | 22.9241% | 1,314 |
| Memoranda: | ||
| Average total assets | $65,979,500 | 5,889 |
| Average earning assets | $59,567,500 | 5,891 |
| Average equity | $8,474,500 | 5,441 |
| Average total loans | $44,632,000 | 5,441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0428% | 401 |
| Cost of funding earning assets | 0.8873% | 4,209 |
| Net interest margin | 5.1555% | 310 |
| Noninterest income to average assets | 0.3444% | 5,058 |
| Noninterest expense to average assets | 3.0217% | 3,512 |
| Loan and lease loss provision to assets | 0.1879% | 4,305 |
| Net operating income to assets | 1.9383% | 351 |
| Return on assets (ROA) | 1.9383% | 375 |
| Pretax return on assets | 1.9383% | 614 |
| Return on Equity (ROE) | 15.0061% | 742 |
| Retained earnings to average equity (ytd only) | 4.7030% | 2,854 |
| Net charge-offs to loans | 0.2615% | 4,139 |
| Credit loss provision to net charge-offs | 103.4483% | 3,343 |
| Earnings coverage of net charge-offs (x) | 11.7069% | 1,691 |
| Efficiency ratio | 58.6983% | 5,949 |
| Assets per employee ($millions) | 4.4477% | 2,993 |
| Cash dividends to net income (ytd only)* | 68.6591% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,698 |
| Loan loss allowance to noncurrent loans | 76.1689% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.0310% | 2,923 |
| Noncurrent loans to loans | 1.4819% | 3,928 |
| Net loans and leases to total assets | 66.3049% | 2,729 |
| Net loans and leases to deposits | 76.2335% | 3,144 |
| Net loans and leases to core deposits | 90.0277% | 2,132 |
| Total domestic deposits to total assets | 86.9761% | 2,775 |
| Equity capital to assets | 12.6656% | 1,684 |
| Core capital (leverage) ratio | 13.3069% | 1,040 |
| Tier 1 risk-based capital ratio | 21.3206% | 1,354 |
| Total risk-based capital ratio | 22.5645% | 1,329 |
| Memoranda: | ||
| Average total assets | $63,870,400 | 5,926 |
| Average earning assets | $59,509,000 | 5,877 |
| Average equity | $8,250,000 | 5,497 |
| Average total loans | $44,357,200 | 5,498 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 427 |
| Cost of funding earning assets | 0.8929% | 4,448 |
| Net interest margin | 5.1443% | 314 |
| Noninterest income to average assets | 0.3462% | 5,092 |
| Noninterest expense to average assets | 3.1116% | 3,114 |
| Loan and lease loss provision to assets | 0.1900% | 4,132 |
| Net operating income to assets | 1.8851% | 439 |
| Return on assets (ROA) | 1.8851% | 478 |
| Pretax return on assets | 1.8851% | 811 |
| Return on Equity (ROE) | 14.5200% | 940 |
| Retained earnings to average equity (ytd only) | 4.7641% | 3,338 |
| Net charge-offs to loans | 0.2500% | 3,865 |
| Credit loss provision to net charge-offs | 108.4337% | 3,048 |
| Earnings coverage of net charge-offs (x) | 11.8438% | 1,776 |
| Efficiency ratio | 59.9919% | 5,726 |
| Assets per employee ($millions) | 4.2343% | 3,387 |
| Cash dividends to net income (ytd only)* | 67.1891% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,789 |
| Loan loss allowance to noncurrent loans | 46.6483% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 2.8482% | 2,274 |
| Noncurrent loans to loans | 2.4120% | 2,872 |
| Net loans and leases to total assets | 70.2853% | 2,026 |
| Net loans and leases to deposits | 81.2334% | 2,494 |
| Net loans and leases to core deposits | 101.2497% | 1,137 |
| Total domestic deposits to total assets | 86.5227% | 2,919 |
| Equity capital to assets | 13.1546% | 1,535 |
| Core capital (leverage) ratio | 13.1778% | 1,160 |
| Tier 1 risk-based capital ratio | 21.3929% | 1,382 |
| Total risk-based capital ratio | 22.6424% | 1,356 |
| Memoranda: | ||
| Average total assets | $63,159,000 | 5,994 |
| Average earning assets | $59,430,250 | 5,927 |
| Average equity | $8,200,000 | 5,539 |
| Average total loans | $44,261,250 | 5,548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0838% | 405 |
| Cost of funding earning assets | 0.9102% | 4,583 |
| Net interest margin | 5.1736% | 291 |
| Noninterest income to average assets | 0.3426% | 5,139 |
| Noninterest expense to average assets | 3.1028% | 3,244 |
| Loan and lease loss provision to assets | 0.1904% | 4,014 |
| Net operating income to assets | 1.9004% | 412 |
| Return on assets (ROA) | 1.9004% | 442 |
| Pretax return on assets | 1.9004% | 710 |
| Return on Equity (ROE) | 14.7024% | 854 |
| Retained earnings to average equity (ytd only) | 4.8844% | 3,070 |
| Net charge-offs to loans | 0.3457% | 3,172 |
| Credit loss provision to net charge-offs | 78.9474% | 3,804 |
| Earnings coverage of net charge-offs (x) | 8.6711% | 2,019 |
| Efficiency ratio | 59.7434% | 5,913 |
| Assets per employee ($millions) | 4.2073% | 3,337 |
| Cash dividends to net income (ytd only)* | 66.7780% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 6,044 |
| Loan loss allowance to noncurrent loans | 39.8194% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.6145% | 2,550 |
| Noncurrent loans to loans | 2.7100% | 2,683 |
| Net loans and leases to total assets | 70.4468% | 2,126 |
| Net loans and leases to deposits | 82.3528% | 2,398 |
| Net loans and leases to core deposits | 102.0193% | 1,175 |
| Total domestic deposits to total assets | 85.5427% | 3,599 |
| Equity capital to assets | 13.0898% | 1,478 |
| Core capital (leverage) ratio | 13.0988% | 1,111 |
| Tier 1 risk-based capital ratio | 21.1609% | 1,389 |
| Total risk-based capital ratio | 22.4032% | 1,373 |
| Memoranda: | ||
| Average total assets | $63,040,670 | 6,048 |
| Average earning assets | $59,108,000 | 5,981 |
| Average equity | $8,148,330 | 5,562 |
| Average total loans | $43,965,330 | 5,614 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0809% | 413 |
| Cost of funding earning assets | 0.9087% | 4,858 |
| Net interest margin | 5.1722% | 264 |
| Noninterest income to average assets | 0.3238% | 5,333 |
| Noninterest expense to average assets | 3.2886% | 2,598 |
| Loan and lease loss provision to assets | 0.1905% | 3,724 |
| Net operating income to assets | 1.6506% | 625 |
| Return on assets (ROA) | 1.6506% | 658 |
| Pretax return on assets | 1.6506% | 1,079 |
| Return on Equity (ROE) | 12.8522% | 1,230 |
| Retained earnings to average equity (ytd only) | 2.9659% | 4,387 |
| Net charge-offs to loans | 0.0368% | 4,593 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 427 |
| Efficiency ratio | 64.1089% | 5,351 |
| Assets per employee ($millions) | 4.0905% | 3,661 |
| Cash dividends to net income (ytd only)* | 76.9231% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 5,573 |
| Loan loss allowance to noncurrent loans | 41.9920% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.6843% | 2,559 |
| Noncurrent loans to loans | 2.8863% | 2,604 |
| Net loans and leases to total assets | 70.0067% | 2,130 |
| Net loans and leases to deposits | 81.1632% | 2,499 |
| Net loans and leases to core deposits | 101.4621% | 1,239 |
| Total domestic deposits to total assets | 86.2542% | 3,359 |
| Equity capital to assets | 13.2373% | 1,286 |
| Core capital (leverage) ratio | 12.7700% | 1,211 |
| Tier 1 risk-based capital ratio | 21.4256% | 1,319 |
| Total risk-based capital ratio | 22.6786% | 1,298 |
| Memoranda: | ||
| Average total assets | $63,006,000 | 6,091 |
| Average earning assets | $58,543,500 | 6,047 |
| Average equity | $8,092,000 | 5,579 |
| Average total loans | $43,476,000 | 5,683 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1705% | 608 |
| Cost of funding earning assets | 1.1349% | 4,934 |
| Net interest margin | 5.0356% | 395 |
| Noninterest income to average assets | 0.3495% | 5,303 |
| Noninterest expense to average assets | 2.9480% | 4,042 |
| Loan and lease loss provision to assets | 0.2427% | 4,864 |
| Net operating income to assets | 1.8251% | 391 |
| Return on assets (ROA) | 1.8251% | 425 |
| Pretax return on assets | 1.8251% | 721 |
| Return on Equity (ROE) | 14.2561% | 844 |
| Retained earnings to average equity (ytd only) | 4.1454% | 2,949 |
| Net charge-offs to loans | 0.3577% | 4,228 |
| Credit loss provision to net charge-offs | 99.3377% | 4,658 |
| Earnings coverage of net charge-offs (x) | 8.4636% | 1,965 |
| Efficiency ratio | 58.7742% | 6,235 |
| Assets per employee ($millions) | 4.6182% | 2,669 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,725 |
| Loan loss allowance to noncurrent loans | 50.9664% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 2.1684% | 3,132 |
| Noncurrent loans to loans | 2.2613% | 3,259 |
| Net loans and leases to total assets | 66.4604% | 3,361 |
| Net loans and leases to deposits | 76.2623% | 3,798 |
| Net loans and leases to core deposits | 88.1273% | 3,036 |
| Total domestic deposits to total assets | 87.1472% | 2,747 |
| Equity capital to assets | 12.4693% | 1,650 |
| Core capital (leverage) ratio | 13.1077% | 1,094 |
| Tier 1 risk-based capital ratio | 20.8687% | 1,335 |
| Total risk-based capital ratio | 22.0931% | 1,324 |
| Memoranda: | ||
| Average total assets | $61,804,200 | 6,134 |
| Average earning assets | $57,272,600 | 6,088 |
| Average equity | $7,912,400 | 5,744 |
| Average total loans | $42,214,800 | 5,823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1278% | 724 |
| Cost of funding earning assets | 1.1857% | 4,941 |
| Net interest margin | 4.9421% | 502 |
| Noninterest income to average assets | 0.3536% | 5,334 |
| Noninterest expense to average assets | 2.9725% | 3,846 |
| Loan and lease loss provision to assets | 0.2292% | 4,783 |
| Net operating income to assets | 1.7547% | 560 |
| Return on assets (ROA) | 1.7547% | 612 |
| Pretax return on assets | 1.7547% | 1,007 |
| Return on Equity (ROE) | 13.6123% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.1469% | 2,875 |
| Net charge-offs to loans | 0.2896% | 4,208 |
| Credit loss provision to net charge-offs | 115.3846% | 3,615 |
| Earnings coverage of net charge-offs (x) | 9.9890% | 1,930 |
| Efficiency ratio | 59.9736% | 5,961 |
| Assets per employee ($millions) | 4.3950% | 3,089 |
| Cash dividends to net income (ytd only)* | 62.1892% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,426 |
| Loan loss allowance to noncurrent loans | 30.1050% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 3.5154% | 2,026 |
| Noncurrent loans to loans | 4.0278% | 1,858 |
| Net loans and leases to total assets | 68.3211% | 3,136 |
| Net loans and leases to deposits | 78.8750% | 3,654 |
| Net loans and leases to core deposits | 85.9497% | 3,662 |
| Total domestic deposits to total assets | 86.6195% | 2,742 |
| Equity capital to assets | 13.0635% | 1,543 |
| Core capital (leverage) ratio | 13.0254% | 1,219 |
| Tier 1 risk-based capital ratio | 3,349.1667% | 3 |
| Total risk-based capital ratio | 3,564.1667% | 3 |
| Memoranda: | ||
| Average total assets | $61,091,500 | 6,228 |
| Average earning assets | $56,897,750 | 6,170 |
| Average equity | $7,875,000 | 5,831 |
| Average total loans | $41,900,750 | 5,919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1298% | 713 |
| Cost of funding earning assets | 1.2196% | 5,022 |
| Net interest margin | 4.9102% | 525 |
| Noninterest income to average assets | 0.3347% | 5,471 |
| Noninterest expense to average assets | 3.0125% | 3,668 |
| Loan and lease loss provision to assets | 0.1969% | 4,896 |
| Net operating income to assets | 1.6835% | 604 |
| Return on assets (ROA) | 1.6835% | 652 |
| Pretax return on assets | 1.6835% | 1,084 |
| Return on Equity (ROE) | 13.1191% | 1,207 |
| Retained earnings to average equity (ytd only) | 5.4471% | 2,650 |
| Net charge-offs to loans | 0.2927% | 3,864 |
| Credit loss provision to net charge-offs | 98.3607% | 4,171 |
| Earnings coverage of net charge-offs (x) | 9.3934% | 2,024 |
| Efficiency ratio | 61.5694% | 5,758 |
| Assets per employee ($millions) | 4.3225% | 3,172 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,458 |
| Loan loss allowance to noncurrent loans | 39.7304% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.8257% | 2,556 |
| Noncurrent loans to loans | 3.0183% | 2,665 |
| Net loans and leases to total assets | 68.2112% | 3,310 |
| Net loans and leases to deposits | 78.7583% | 3,839 |
| Net loans and leases to core deposits | 88.3216% | 3,507 |
| Total domestic deposits to total assets | 86.6083% | 2,748 |
| Equity capital to assets | 13.1323% | 1,509 |
| Core capital (leverage) ratio | 13.2183% | 1,136 |
| Tier 1 risk-based capital ratio | 19.3555% | 1,640 |
| Total risk-based capital ratio | 20.5758% | 1,612 |
| Memoranda: | ||
| Average total assets | $60,945,330 | 6,266 |
| Average earning assets | $56,576,330 | 6,218 |
| Average equity | $7,820,670 | 5,866 |
| Average total loans | $41,683,000 | 5,973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0753% | 823 |
| Cost of funding earning assets | 1.2731% | 4,978 |
| Net interest margin | 4.8023% | 641 |
| Noninterest income to average assets | 0.3270% | 5,528 |
| Noninterest expense to average assets | 3.2832% | 2,586 |
| Loan and lease loss provision to assets | 0.1962% | 4,537 |
| Net operating income to assets | 1.2884% | 1,324 |
| Return on assets (ROA) | 1.2884% | 1,395 |
| Pretax return on assets | 1.2884% | 2,079 |
| Return on Equity (ROE) | 10.1579% | 2,047 |
| Retained earnings to average equity (ytd only) | 2.4235% | 4,684 |
| Net charge-offs to loans | 0.1249% | 4,221 |
| Credit loss provision to net charge-offs | 230.7692% | 1,651 |
| Earnings coverage of net charge-offs (x) | 17.4615% | 1,282 |
| Efficiency ratio | 68.8615% | 4,534 |
| Assets per employee ($millions) | 3.9550% | 3,982 |
| Cash dividends to net income (ytd only)* | 76.1421% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,227 |
| Loan loss allowance to noncurrent loans | 56.2297% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.3515% | 3,088 |
| Noncurrent loans to loans | 2.2204% | 3,496 |
| Net loans and leases to total assets | 69.1951% | 3,114 |
| Net loans and leases to deposits | 79.8250% | 3,693 |
| Net loans and leases to core deposits | 87.5211% | 3,677 |
| Total domestic deposits to total assets | 86.6835% | 2,794 |
| Equity capital to assets | 13.1159% | 1,477 |
| Core capital (leverage) ratio | 12.5819% | 1,376 |
| Tier 1 risk-based capital ratio | 19.1731% | 1,677 |
| Total risk-based capital ratio | 20.4100% | 1,651 |
| Memoranda: | ||
| Average total assets | $61,160,500 | 6,340 |
| Average earning assets | $56,556,500 | 6,298 |
| Average equity | $7,757,500 | 5,925 |
| Average total loans | $41,635,000 | 6,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4733% | 712 |
| Cost of funding earning assets | 1.5439% | 5,317 |
| Net interest margin | 4.9294% | 522 |
| Noninterest income to average assets | 0.4267% | 4,997 |
| Noninterest expense to average assets | 3.0840% | 3,818 |
| Loan and lease loss provision to assets | 0.3359% | 4,790 |
| Net operating income to assets | 1.5706% | 580 |
| Return on assets (ROA) | 1.5706% | 626 |
| Pretax return on assets | 1.5706% | 1,029 |
| Return on Equity (ROE) | 12.1105% | 1,136 |
| Retained earnings to average equity (ytd only) | 3.0438% | 3,031 |
| Net charge-offs to loans | 0.2269% | 5,199 |
| Credit loss provision to net charge-offs | 215.0538% | 1,777 |
| Earnings coverage of net charge-offs (x) | 12.2043% | 1,529 |
| Efficiency ratio | 61.7974% | 6,189 |
| Assets per employee ($millions) | 4.1997% | 3,439 |
| Cash dividends to net income (ytd only)* | 74.8663% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,330 |
| Loan loss allowance to noncurrent loans | 94.1839% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 3,984 |
| Noncurrent loans to loans | 1.2781% | 4,790 |
| Net loans and leases to total assets | 65.3994% | 4,300 |
| Net loans and leases to deposits | 74.9086% | 4,889 |
| Net loans and leases to core deposits | 94.9133% | 4,572 |
| Total domestic deposits to total assets | 87.3055% | 2,322 |
| Equity capital to assets | 12.2770% | 1,865 |
| Core capital (leverage) ratio | 12.7154% | 1,346 |
| Tier 1 risk-based capital ratio | 18.8230% | 1,696 |
| Total risk-based capital ratio | 20.0448% | 1,659 |
| Memoranda: | ||
| Average total assets | $59,533,200 | 6,369 |
| Average earning assets | $55,118,400 | 6,331 |
| Average equity | $7,720,600 | 6,019 |
| Average total loans | $40,992,200 | 6,056 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5069% | 733 |
| Cost of funding earning assets | 1.5932% | 5,431 |
| Net interest margin | 4.9137% | 533 |
| Noninterest income to average assets | 0.3977% | 5,299 |
| Noninterest expense to average assets | 2.9635% | 4,191 |
| Loan and lease loss provision to assets | 0.1023% | 6,349 |
| Net operating income to assets | 1.9090% | 352 |
| Return on assets (ROA) | 1.9090% | 379 |
| Pretax return on assets | 1.9090% | 649 |
| Return on Equity (ROE) | 14.5126% | 836 |
| Retained earnings to average equity (ytd only) | 7.6018% | 1,265 |
| Net charge-offs to loans | 0.1829% | 4,928 |
| Credit loss provision to net charge-offs | 80.3571% | 5,753 |
| Earnings coverage of net charge-offs (x) | 15.8046% | 1,513 |
| Efficiency ratio | 59.5706% | 6,470 |
| Assets per employee ($millions) | 4.0743% | 3,600 |
| Cash dividends to net income (ytd only)* | 47.6191% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,723 |
| Loan loss allowance to noncurrent loans | 61.6372% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.9505% | 3,418 |
| Noncurrent loans to loans | 1.4749% | 4,466 |
| Net loans and leases to total assets | 68.4884% | 3,848 |
| Net loans and leases to deposits | 79.0810% | 4,545 |
| Net loans and leases to core deposits | 98.8125% | 4,513 |
| Total domestic deposits to total assets | 86.6054% | 2,374 |
| Equity capital to assets | 12.9905% | 1,703 |
| Core capital (leverage) ratio | 13.0644% | 1,355 |
| Tier 1 risk-based capital ratio | 19.6335% | 1,631 |
| Total risk-based capital ratio | 20.5831% | 1,645 |
| Memoranda: | ||
| Average total assets | $58,667,500 | 6,441 |
| Average earning assets | $54,648,250 | 6,392 |
| Average equity | $7,717,250 | 6,080 |
| Average total loans | $40,815,000 | 6,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5993% | 659 |
| Cost of funding earning assets | 1.6517% | 5,503 |
| Net interest margin | 4.9477% | 489 |
| Noninterest income to average assets | 0.3837% | 5,433 |
| Noninterest expense to average assets | 3.0526% | 3,870 |
| Loan and lease loss provision to assets | 0.1037% | 6,131 |
| Net operating income to assets | 1.8461% | 417 |
| Return on assets (ROA) | 1.8461% | 453 |
| Pretax return on assets | 1.8461% | 778 |
| Return on Equity (ROE) | 13.9730% | 994 |
| Retained earnings to average equity (ytd only) | 7.4313% | 1,421 |
| Net charge-offs to loans | 0.2033% | 4,257 |
| Credit loss provision to net charge-offs | 73.1707% | 5,359 |
| Earnings coverage of net charge-offs (x) | 13.7561% | 1,711 |
| Efficiency ratio | 61.0228% | 6,395 |
| Assets per employee ($millions) | 3.9165% | 3,849 |
| Cash dividends to net income (ytd only)* | 46.8165% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,600 |
| Loan loss allowance to noncurrent loans | 62.4390% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.0154% | 3,178 |
| Noncurrent loans to loans | 1.5048% | 4,238 |
| Net loans and leases to total assets | 68.9159% | 3,969 |
| Net loans and leases to deposits | 79.7691% | 4,577 |
| Net loans and leases to core deposits | 96.4825% | 4,845 |
| Total domestic deposits to total assets | 86.3942% | 2,572 |
| Equity capital to assets | 13.2483% | 1,582 |
| Core capital (leverage) ratio | 13.6678% | 1,222 |
| Tier 1 risk-based capital ratio | 20.2899% | 1,517 |
| Total risk-based capital ratio | 21.2910% | 1,535 |
| Memoranda: | ||
| Average total assets | $57,852,000 | 6,516 |
| Average earning assets | $54,005,330 | 6,471 |
| Average equity | $7,643,330 | 6,135 |
| Average total loans | $40,340,000 | 6,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5511% | 782 |
| Cost of funding earning assets | 1.7361% | 5,444 |
| Net interest margin | 4.8150% | 589 |
| Noninterest income to average assets | 0.3972% | 5,229 |
| Noninterest expense to average assets | 3.0799% | 3,451 |
| Loan and lease loss provision to assets | 0.1045% | 5,632 |
| Net operating income to assets | 1.7351% | 600 |
| Return on assets (ROA) | 1.7351% | 656 |
| Pretax return on assets | 1.7351% | 1,110 |
| Return on Equity (ROE) | 13.1511% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.8695% | 1,870 |
| Net charge-offs to loans | 0.0100% | 5,503 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 157 |
| Efficiency ratio | 62.6062% | 5,949 |
| Assets per employee ($millions) | 3.7633% | 4,196 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 6,090 |
| Loan loss allowance to noncurrent loans | 63.3127% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.9699% | 2,950 |
| Noncurrent loans to loans | 1.6012% | 3,876 |
| Net loans and leases to total assets | 70.7440% | 3,530 |
| Net loans and leases to deposits | 83.6300% | 4,039 |
| Net loans and leases to core deposits | 102.2532% | 4,312 |
| Total domestic deposits to total assets | 84.5917% | 3,419 |
| Equity capital to assets | 13.5483% | 1,518 |
| Core capital (leverage) ratio | 13.1497% | 1,438 |
| Tier 1 risk-based capital ratio | 20.3513% | 1,557 |
| Total risk-based capital ratio | 21.4396% | 1,540 |
| Memoranda: | ||
| Average total assets | $57,404,500 | 6,561 |
| Average earning assets | $53,915,000 | 6,505 |
| Average equity | $7,573,500 | 6,197 |
| Average total loans | $40,075,000 | 6,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1108% | 897 |
| Cost of funding earning assets | 2.2650% | 5,310 |
| Net interest margin | 4.8458% | 712 |
| Noninterest income to average assets | 0.4845% | 4,758 |
| Noninterest expense to average assets | 2.8677% | 4,546 |
| Loan and lease loss provision to assets | 0.0651% | 6,577 |
| Net operating income to assets | 2.0168% | 339 |
| Return on assets (ROA) | 2.0168% | 322 |
| Pretax return on assets | 2.0168% | 577 |
| Return on Equity (ROE) | 16.0587% | 764 |
| Retained earnings to average equity (ytd only) | 6.3798% | 1,372 |
| Net charge-offs to loans | 0.1113% | 5,160 |
| Credit loss provision to net charge-offs | 84.4444% | 5,792 |
| Earnings coverage of net charge-offs (x) | 27.0222% | 1,258 |
| Efficiency ratio | 57.9384% | 6,707 |
| Assets per employee ($millions) | 4.4892% | 2,635 |
| Cash dividends to net income (ytd only)* | 60.2716% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,125 |
| Loan loss allowance to noncurrent loans | 84.0426% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.4993% | 3,219 |
| Noncurrent loans to loans | 1.1807% | 4,156 |
| Net loans and leases to total assets | 67.5320% | 4,549 |
| Net loans and leases to deposits | 77.9582% | 5,344 |
| Net loans and leases to core deposits | 93.1614% | 5,529 |
| Total domestic deposits to total assets | 86.6259% | 2,132 |
| Equity capital to assets | 12.8498% | 1,851 |
| Core capital (leverage) ratio | 13.3013% | 1,440 |
| Tier 1 risk-based capital ratio | 20.3429% | 1,563 |
| Total risk-based capital ratio | 21.4144% | 1,558 |
| Memoranda: | ||
| Average total assets | $58,408,600 | 6,434 |
| Average earning assets | $53,819,400 | 6,423 |
| Average equity | $7,335,600 | 6,342 |
| Average total loans | $40,433,000 | 6,149 |