Home > Heartland State Bank > Performance and Condition Ratios
Heartland 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 | 5.4918% | 1,170 |
| Cost of funding earning assets | 1.3814% | 2,276 |
| Net interest margin | 4.1104% | 1,058 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.4223% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7767% | 634 |
| Return on assets (ROA) | 1.7767% | 610 |
| Pretax return on assets | 1.8612% | 811 |
| Return on Equity (ROE) | 25.2200% | 306 |
| Retained earnings to average equity (ytd only) | 2.8810% | 3,321 |
| Net charge-offs to loans | -0.0011% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.5501% | 3,439 |
| Assets per employee ($millions) | 6.9659% | 2,095 |
| Cash dividends to net income (ytd only)* | 88.5780% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,388 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.9200% | 2,682 |
| Net loans and leases to deposits | 75.8801% | 2,462 |
| Net loans and leases to core deposits | 83.3421% | 2,502 |
| Total domestic deposits to total assets | 81.6000% | 3,201 |
| Equity capital to assets | 7.2861% | 3,826 |
| Core capital (leverage) ratio | 9.2088% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6817% | 2,346 |
| Memoranda: | ||
| Average total assets | $146,842,200 | 3,395 |
| Average earning assets | $136,311,200 | 3,379 |
| Average equity | $10,343,800 | 3,683 |
| Average total loans | $89,156,200 | 3,300 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 1,254 |
| Cost of funding earning assets | 1.2359% | 2,316 |
| Net interest margin | 4.0882% | 1,087 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.1527% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9893% | 506 |
| Return on assets (ROA) | 1.9893% | 496 |
| Pretax return on assets | 2.1123% | 642 |
| Return on Equity (ROE) | 28.5000% | 256 |
| Retained earnings to average equity (ytd only) | 7.6540% | 2,090 |
| Net charge-offs to loans | -0.0015% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.4735% | 3,876 |
| Assets per employee ($millions) | 6.7699% | 2,127 |
| Cash dividends to net income (ytd only)* | 73.1426% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,236 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.2200% | 2,728 |
| Net loans and leases to deposits | 77.8739% | 2,258 |
| Net loans and leases to core deposits | 86.0693% | 2,184 |
| Total domestic deposits to total assets | 78.6200% | 3,751 |
| Equity capital to assets | 6.7088% | 3,752 |
| Core capital (leverage) ratio | 9.7200% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0785% | 2,240 |
| Memoranda: | ||
| Average total assets | $145,240,250 | 3,412 |
| Average earning assets | $134,854,750 | 3,401 |
| Average equity | $10,138,250 | 3,715 |
| Average total loans | $87,488,000 | 3,327 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 1,322 |
| Cost of funding earning assets | 1.0624% | 2,410 |
| Net interest margin | 4.0659% | 1,136 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.2082% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8860% | 574 |
| Return on assets (ROA) | 1.8860% | 570 |
| Pretax return on assets | 2.0235% | 719 |
| Return on Equity (ROE) | 26.6600% | 301 |
| Retained earnings to average equity (ytd only) | 7.3231% | 2,184 |
| Net charge-offs to loans | -0.0023% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.1825% | 3,760 |
| Assets per employee ($millions) | 6.8340% | 2,054 |
| Cash dividends to net income (ytd only)* | 72.5331% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 2,947 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.9800% | 2,870 |
| Net loans and leases to deposits | 71.3975% | 2,687 |
| Net loans and leases to core deposits | 87.6171% | 1,953 |
| Total domestic deposits to total assets | 82.6100% | 3,120 |
| Equity capital to assets | 7.1959% | 3,692 |
| Core capital (leverage) ratio | 9.4540% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0220% | 1,889 |
| Memoranda: | ||
| Average total assets | $144,007,667 | 3,442 |
| Average earning assets | $133,843,333 | 3,426 |
| Average equity | $10,187,000 | 3,719 |
| Average total loans | $85,942,333 | 3,350 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,855 |
| Cost of funding earning assets | 0.9205% | 2,309 |
| Net interest margin | 3.7773% | 1,730 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.8440% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9438% | 538 |
| Return on assets (ROA) | 1.9438% | 531 |
| Pretax return on assets | 2.0769% | 681 |
| Return on Equity (ROE) | 27.7200% | 304 |
| Retained earnings to average equity (ytd only) | 12.4938% | 1,177 |
| Net charge-offs to loans | -0.0046% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.0297% | 4,156 |
| Assets per employee ($millions) | 7.0167% | 1,968 |
| Cash dividends to net income (ytd only)* | 54.9215% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,175 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.9400% | 2,771 |
| Net loans and leases to deposits | 76.1732% | 2,099 |
| Net loans and leases to core deposits | 89.5574% | 1,644 |
| Total domestic deposits to total assets | 77.3700% | 4,059 |
| Equity capital to assets | 7.1605% | 3,753 |
| Core capital (leverage) ratio | 9.7843% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7089% | 2,088 |
| Memoranda: | ||
| Average total assets | $144,255,000 | 3,481 |
| Average earning assets | $134,275,000 | 3,465 |
| Average equity | $10,117,000 | 3,772 |
| Average total loans | $86,118,500 | 3,384 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 1,779 |
| Cost of funding earning assets | 0.3133% | 2,770 |
| Net interest margin | 3.6605% | 1,473 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.5157% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3378% | 1,318 |
| Return on assets (ROA) | 1.3378% | 1,277 |
| Pretax return on assets | 1.4245% | 1,699 |
| Return on Equity (ROE) | 17.4300% | 790 |
| Retained earnings to average equity (ytd only) | 9.3980% | 1,358 |
| Net charge-offs to loans | 0.0026% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 936.0000% | 187 |
| Efficiency ratio | 63.8470% | 2,519 |
| Assets per employee ($millions) | 6.4163% | 2,405 |
| Cash dividends to net income (ytd only)* | 46.0751% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,812 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.1600% | 2,712 |
| Net loans and leases to deposits | 71.0573% | 2,483 |
| Net loans and leases to core deposits | 85.2749% | 1,800 |
| Total domestic deposits to total assets | 83.2600% | 3,363 |
| Equity capital to assets | 6.8596% | 3,739 |
| Core capital (leverage) ratio | 9.8047% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8700% | 2,023 |
| Memoranda: | ||
| Average total assets | $131,413,200 | 3,621 |
| Average earning assets | $122,251,400 | 3,594 |
| Average equity | $10,087,200 | 3,861 |
| Average total loans | $76,492,800 | 3,464 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 1,600 |
| Cost of funding earning assets | 0.2000% | 3,272 |
| Net interest margin | 3.6556% | 1,255 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.4851% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3739% | 1,158 |
| Return on assets (ROA) | 1.3739% | 1,130 |
| Pretax return on assets | 1.4648% | 1,516 |
| Return on Equity (ROE) | 17.3900% | 728 |
| Retained earnings to average equity (ytd only) | 12.6155% | 675 |
| Net charge-offs to loans | 0.0018% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,417.0000% | 91 |
| Efficiency ratio | 62.9155% | 2,700 |
| Assets per employee ($millions) | 6.4868% | 2,328 |
| Cash dividends to net income (ytd only)* | 27.4643% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.1300% | 2,489 |
| Net loans and leases to deposits | 71.4302% | 2,251 |
| Net loans and leases to core deposits | 79.9680% | 1,905 |
| Total domestic deposits to total assets | 84.1700% | 3,463 |
| Equity capital to assets | 6.6465% | 3,683 |
| Core capital (leverage) ratio | 10.1175% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2719% | 1,950 |
| Memoranda: | ||
| Average total assets | $128,976,750 | 3,666 |
| Average earning assets | $119,995,250 | 3,644 |
| Average equity | $10,188,250 | 3,894 |
| Average total loans | $74,503,250 | 3,510 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 1,434 |
| Cost of funding earning assets | 0.1571% | 3,490 |
| Net interest margin | 3.5868% | 1,089 |
| Noninterest income to average assets | 0.5452% | 1,970 |
| Noninterest expense to average assets | 2.5774% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2200% | 1,364 |
| Return on assets (ROA) | 1.2200% | 1,352 |
| Pretax return on assets | 1.2879% | 1,783 |
| Return on Equity (ROE) | 14.6124% | 976 |
| Retained earnings to average equity (ytd only) | 14.6124% | 301 |
| Net charge-offs to loans | 0.0028% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 815.0000% | 170 |
| Efficiency ratio | 66.6803% | 2,419 |
| Assets per employee ($millions) | 6.4148% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.7840% | 2,984 |
| Net loans and leases to deposits | 59.4257% | 3,096 |
| Net loans and leases to core deposits | 67.3011% | 2,714 |
| Total domestic deposits to total assets | 90.5063% | 1,459 |
| Equity capital to assets | 7.6571% | 3,370 |
| Core capital (leverage) ratio | 10.3545% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2219% | 1,649 |
| Memoranda: | ||
| Average total assets | $126,561,667 | 3,734 |
| Average earning assets | $117,151,333 | 3,734 |
| Average equity | $10,566,333 | 3,924 |
| Average total loans | $71,721,667 | 3,590 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 1,446 |
| Cost of funding earning assets | 0.1832% | 3,044 |
| Net interest margin | 3.4386% | 1,211 |
| Noninterest income to average assets | 0.5715% | 1,815 |
| Noninterest expense to average assets | 2.6550% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0254% | 1,780 |
| Return on assets (ROA) | 1.0254% | 1,769 |
| Pretax return on assets | 1.1038% | 2,131 |
| Return on Equity (ROE) | 11.7471% | 1,391 |
| Retained earnings to average equity (ytd only) | 11.7471% | 642 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6342% | 2,139 |
| Assets per employee ($millions) | 5.3905% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.9887% | 2,298 |
| Net loans and leases to deposits | 64.3719% | 2,493 |
| Net loans and leases to core deposits | 71.3187% | 2,173 |
| Total domestic deposits to total assets | 90.0840% | 1,512 |
| Equity capital to assets | 7.8956% | 3,650 |
| Core capital (leverage) ratio | 9.6805% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1537% | 2,136 |
| Memoranda: | ||
| Average total assets | $122,487,000 | 3,792 |
| Average earning assets | $113,535,500 | 3,789 |
| Average equity | $10,692,000 | 3,983 |
| Average total loans | $70,884,000 | 3,603 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 199 |
| Cost of funding earning assets | 0.2331% | 3,104 |
| Net interest margin | 4.9424% | 152 |
| Noninterest income to average assets | 0.8338% | 1,362 |
| Noninterest expense to average assets | 2.7042% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.4942% | 160 |
| Return on assets (ROA) | 2.4942% | 163 |
| Pretax return on assets | 2.6229% | 219 |
| Return on Equity (ROE) | 24.4898% | 131 |
| Retained earnings to average equity (ytd only) | 10.9581% | 708 |
| Net charge-offs to loans | -0.0055% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7629% | 4,224 |
| Assets per employee ($millions) | 5.7616% | 2,997 |
| Cash dividends to net income (ytd only)* | 55.2545% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.1875% | 2,580 |
| Net loans and leases to deposits | 64.2106% | 2,670 |
| Net loans and leases to core deposits | 71.7294% | 2,283 |
| Total domestic deposits to total assets | 87.5051% | 2,279 |
| Equity capital to assets | 9.5832% | 3,057 |
| Core capital (leverage) ratio | 9.6294% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6248% | 2,007 |
| Memoranda: | ||
| Average total assets | $109,495,600 | 3,898 |
| Average earning assets | $99,547,400 | 3,912 |
| Average equity | $11,151,600 | 4,017 |
| Average total loans | $72,613,200 | 3,606 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 150 |
| Cost of funding earning assets | 0.2497% | 3,129 |
| Net interest margin | 5.2095% | 118 |
| Noninterest income to average assets | 0.9204% | 1,215 |
| Noninterest expense to average assets | 2.6761% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.7599% | 159 |
| Return on assets (ROA) | 2.7599% | 162 |
| Pretax return on assets | 2.9399% | 188 |
| Return on Equity (ROE) | 26.6521% | 136 |
| Retained earnings to average equity (ytd only) | 15.2160% | 368 |
| Net charge-offs to loans | -0.0073% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6509% | 4,392 |
| Assets per employee ($millions) | 5.0565% | 3,646 |
| Cash dividends to net income (ytd only)* | 42.9089% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.0833% | 1,536 |
| Net loans and leases to deposits | 80.0342% | 1,290 |
| Net loans and leases to core deposits | 90.0299% | 1,031 |
| Total domestic deposits to total assets | 82.5688% | 3,806 |
| Equity capital to assets | 10.6515% | 2,318 |
| Core capital (leverage) ratio | 10.4608% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5804% | 2,137 |
| Memoranda: | ||
| Average total assets | $106,621,250 | 3,975 |
| Average earning assets | $96,104,750 | 3,999 |
| Average equity | $11,040,750 | 4,080 |
| Average total loans | $73,534,500 | 3,638 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 326 |
| Cost of funding earning assets | 0.2830% | 2,944 |
| Net interest margin | 4.7490% | 239 |
| Noninterest income to average assets | 0.6014% | 2,211 |
| Noninterest expense to average assets | 2.6589% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0537% | 448 |
| Return on assets (ROA) | 2.0537% | 470 |
| Pretax return on assets | 2.1907% | 586 |
| Return on Equity (ROE) | 20.0347% | 455 |
| Retained earnings to average equity (ytd only) | 8.0213% | 2,064 |
| Net charge-offs to loans | 0.0055% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 575.5000% | 233 |
| Efficiency ratio | 54.8273% | 3,699 |
| Assets per employee ($millions) | 5.1834% | 3,477 |
| Cash dividends to net income (ytd only)* | 59.9629% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,569 |
| Loan loss allowance to noncurrent loans | 1,618.9655% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,911 |
| Noncurrent loans to loans | 0.0786% | 3,794 |
| Net loans and leases to total assets | 63.8655% | 1,963 |
| Net loans and leases to deposits | 75.9831% | 1,820 |
| Net loans and leases to core deposits | 87.7215% | 1,286 |
| Total domestic deposits to total assets | 84.0523% | 3,422 |
| Equity capital to assets | 9.6541% | 3,196 |
| Core capital (leverage) ratio | 9.8081% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2414% | 2,271 |
| Memoranda: | ||
| Average total assets | $105,080,667 | 4,010 |
| Average earning assets | $93,998,000 | 4,042 |
| Average equity | $10,771,333 | 4,127 |
| Average total loans | $73,226,333 | 3,666 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 384 |
| Cost of funding earning assets | 0.3447% | 2,569 |
| Net interest margin | 4.5972% | 314 |
| Noninterest income to average assets | 0.6123% | 2,158 |
| Noninterest expense to average assets | 2.7474% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8250% | 749 |
| Return on assets (ROA) | 1.8250% | 802 |
| Pretax return on assets | 1.9482% | 1,030 |
| Return on Equity (ROE) | 17.2354% | 812 |
| Retained earnings to average equity (ytd only) | 1.5771% | 4,105 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5097% | 3,234 |
| Assets per employee ($millions) | 4.5093% | 4,091 |
| Cash dividends to net income (ytd only)* | 90.8497% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.1103% | 1,138 |
| Net loans and leases to deposits | 81.4148% | 1,385 |
| Net loans and leases to core deposits | 92.6603% | 1,069 |
| Total domestic deposits to total assets | 87.3432% | 2,159 |
| Equity capital to assets | 10.2502% | 2,478 |
| Core capital (leverage) ratio | 10.6657% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7664% | 2,387 |
| Memoranda: | ||
| Average total assets | $100,603,500 | 4,068 |
| Average earning assets | $89,359,000 | 4,104 |
| Average equity | $10,652,500 | 4,153 |
| Average total loans | $72,955,500 | 3,686 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 193 |
| Cost of funding earning assets | 0.6081% | 2,252 |
| Net interest margin | 4.8827% | 151 |
| Noninterest income to average assets | 0.7018% | 1,860 |
| Noninterest expense to average assets | 2.9500% | 1,545 |
| Loan and lease loss provision to assets | 0.0640% | 3,576 |
| Net operating income to assets | 1.9262% | 302 |
| Return on assets (ROA) | 1.9262% | 326 |
| Pretax return on assets | 2.0296% | 430 |
| Return on Equity (ROE) | 17.2654% | 383 |
| Retained earnings to average equity (ytd only) | 4.9521% | 2,298 |
| Net charge-offs to loans | -0.0380% | 4,609 |
| Credit loss provision to net charge-offs | -222.2222% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4902% | 3,658 |
| Assets per employee ($millions) | 4.2388% | 4,186 |
| Cash dividends to net income (ytd only)* | 71.3178% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 2,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.0849% | 1,279 |
| Net loans and leases to deposits | 83.9730% | 1,457 |
| Net loans and leases to core deposits | 97.7019% | 1,019 |
| Total domestic deposits to total assets | 85.8429% | 2,435 |
| Equity capital to assets | 10.9486% | 2,298 |
| Core capital (leverage) ratio | 10.8125% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7218% | 2,349 |
| Memoranda: | ||
| Average total assets | $93,761,200 | 4,070 |
| Average earning assets | $83,375,200 | 4,110 |
| Average equity | $10,460,200 | 4,157 |
| Average total loans | $71,123,600 | 3,711 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 181 |
| Cost of funding earning assets | 0.6724% | 2,189 |
| Net interest margin | 4.9345% | 156 |
| Noninterest income to average assets | 0.7124% | 1,757 |
| Noninterest expense to average assets | 2.9588% | 1,536 |
| Loan and lease loss provision to assets | 0.0862% | 3,234 |
| Net operating income to assets | 1.9261% | 349 |
| Return on assets (ROA) | 1.9261% | 384 |
| Pretax return on assets | 2.0525% | 469 |
| Return on Equity (ROE) | 17.1807% | 427 |
| Retained earnings to average equity (ytd only) | 6.0088% | 2,104 |
| Net charge-offs to loans | -0.0506% | 4,675 |
| Credit loss provision to net charge-offs | -222.2222% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0445% | 3,656 |
| Assets per employee ($millions) | 4.1084% | 4,230 |
| Cash dividends to net income (ytd only)* | 65.0261% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,202 |
| Loan loss allowance to noncurrent loans | 341.3043% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 2,990 |
| Noncurrent loans to loans | 0.3776% | 2,936 |
| Net loans and leases to total assets | 76.3602% | 1,050 |
| Net loans and leases to deposits | 88.3473% | 1,446 |
| Net loans and leases to core deposits | 100.4497% | 1,130 |
| Total domestic deposits to total assets | 86.4318% | 1,884 |
| Equity capital to assets | 11.2548% | 2,187 |
| Core capital (leverage) ratio | 11.1027% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7597% | 2,299 |
| Memoranda: | ||
| Average total assets | $92,828,500 | 4,082 |
| Average earning assets | $82,491,750 | 4,121 |
| Average equity | $10,406,750 | 4,171 |
| Average total loans | $71,100,000 | 3,723 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7594% | 207 |
| Cost of funding earning assets | 0.7527% | 2,105 |
| Net interest margin | 5.0067% | 205 |
| Noninterest income to average assets | 0.6914% | 1,775 |
| Noninterest expense to average assets | 3.0431% | 1,477 |
| Loan and lease loss provision to assets | 0.1300% | 2,719 |
| Net operating income to assets | 1.8597% | 441 |
| Return on assets (ROA) | 1.8597% | 486 |
| Pretax return on assets | 1.9876% | 558 |
| Return on Equity (ROE) | 16.6107% | 484 |
| Retained earnings to average equity (ytd only) | 7.4923% | 1,467 |
| Net charge-offs to loans | 0.0028% | 2,892 |
| Credit loss provision to net charge-offs | 6,000.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 977.0000% | 93 |
| Efficiency ratio | 58.9668% | 3,560 |
| Assets per employee ($millions) | 4.1991% | 4,107 |
| Cash dividends to net income (ytd only)* | 54.8951% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,203 |
| Loan loss allowance to noncurrent loans | 2,229.2683% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 4,325 |
| Noncurrent loans to loans | 0.0565% | 4,249 |
| Net loans and leases to total assets | 74.1396% | 1,393 |
| Net loans and leases to deposits | 87.9959% | 1,556 |
| Net loans and leases to core deposits | 105.2288% | 931 |
| Total domestic deposits to total assets | 84.2535% | 2,659 |
| Equity capital to assets | 10.9070% | 2,418 |
| Core capital (leverage) ratio | 10.7051% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8176% | 2,260 |
| Memoranda: | ||
| Average total assets | $92,273,667 | 4,093 |
| Average earning assets | $82,370,000 | 4,137 |
| Average equity | $10,330,667 | 4,181 |
| Average total loans | $70,434,333 | 3,748 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9502% | 171 |
| Cost of funding earning assets | 0.9208% | 1,763 |
| Net interest margin | 5.0295% | 179 |
| Noninterest income to average assets | 0.7590% | 1,436 |
| Noninterest expense to average assets | 3.0404% | 1,783 |
| Loan and lease loss provision to assets | 0.2663% | 1,171 |
| Net operating income to assets | 1.8287% | 386 |
| Return on assets (ROA) | 1.8287% | 431 |
| Pretax return on assets | 1.9618% | 495 |
| Return on Equity (ROE) | 16.1111% | 410 |
| Retained earnings to average equity (ytd only) | 12.2006% | 400 |
| Net charge-offs to loans | 0.0058% | 2,365 |
| Credit loss provision to net charge-offs | 6,000.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 502.0000% | 125 |
| Efficiency ratio | 57.7085% | 4,038 |
| Assets per employee ($millions) | 3.9655% | 3,959 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 2,105 |
| Loan loss allowance to noncurrent loans | 2,231.7073% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,386 |
| Noncurrent loans to loans | 0.0586% | 4,316 |
| Net loans and leases to total assets | 75.6729% | 1,359 |
| Net loans and leases to deposits | 90.7321% | 1,429 |
| Net loans and leases to core deposits | 104.5346% | 1,152 |
| Total domestic deposits to total assets | 83.4026% | 2,982 |
| Equity capital to assets | 11.4180% | 2,511 |
| Core capital (leverage) ratio | 11.8381% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4655% | 2,494 |
| Memoranda: | ||
| Average total assets | $90,120,500 | 4,119 |
| Average earning assets | $80,803,500 | 4,157 |
| Average equity | $10,229,000 | 4,211 |
| Average total loans | $69,392,500 | 3,772 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 170 |
| Cost of funding earning assets | 0.9129% | 2,146 |
| Net interest margin | 5.2702% | 163 |
| Noninterest income to average assets | 0.7654% | 1,566 |
| Noninterest expense to average assets | 3.2115% | 1,497 |
| Loan and lease loss provision to assets | 0.5755% | 213 |
| Net operating income to assets | 1.7425% | 604 |
| Return on assets (ROA) | 1.7425% | 641 |
| Pretax return on assets | 1.8397% | 857 |
| Return on Equity (ROE) | 14.8074% | 728 |
| Retained earnings to average equity (ytd only) | -3.3251% | 4,924 |
| Net charge-offs to loans | 0.6755% | 252 |
| Credit loss provision to net charge-offs | 103.7113% | 2,385 |
| Earnings coverage of net charge-offs (x) | 4.3526% | 3,224 |
| Efficiency ratio | 57.0760% | 4,081 |
| Assets per employee ($millions) | 4.0470% | 3,848 |
| Cash dividends to net income (ytd only)* | 122.4557% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.3708% | 1,347 |
| Net loans and leases to deposits | 95.6262% | 979 |
| Net loans and leases to core deposits | 110.0686% | 849 |
| Total domestic deposits to total assets | 79.8639% | 4,006 |
| Equity capital to assets | 11.2811% | 2,730 |
| Core capital (leverage) ratio | 11.0394% | 2,470 |
| Tier 1 risk-based capital ratio | 12.0749% | 4,321 |
| Total risk-based capital ratio | 13.1137% | 4,311 |
| Memoranda: | ||
| Average total assets | $87,403,400 | 4,178 |
| Average earning assets | $80,622,800 | 4,177 |
| Average equity | $10,285,400 | 4,201 |
| Average total loans | $71,802,400 | 3,744 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1081% | 202 |
| Cost of funding earning assets | 0.9233% | 2,124 |
| Net interest margin | 5.1848% | 203 |
| Noninterest income to average assets | 0.7310% | 1,661 |
| Noninterest expense to average assets | 3.1480% | 1,584 |
| Loan and lease loss provision to assets | 0.1119% | 1,746 |
| Net operating income to assets | 2.1395% | 300 |
| Return on assets (ROA) | 2.1395% | 313 |
| Pretax return on assets | 2.2821% | 388 |
| Return on Equity (ROE) | 17.9909% | 391 |
| Retained earnings to average equity (ytd only) | 0.6830% | 4,628 |
| Net charge-offs to loans | -0.0018% | 4,049 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8031% | 4,085 |
| Assets per employee ($millions) | 3.8579% | 4,091 |
| Cash dividends to net income (ytd only)* | 96.2032% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,237 |
| Loan loss allowance to noncurrent loans | 78.3993% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.3096% | 922 |
| Noncurrent loans to loans | 1.5944% | 924 |
| Net loans and leases to total assets | 81.1060% | 699 |
| Net loans and leases to deposits | 102.3727% | 489 |
| Net loans and leases to core deposits | 117.8377% | 602 |
| Total domestic deposits to total assets | 79.2262% | 4,140 |
| Equity capital to assets | 11.7872% | 2,425 |
| Core capital (leverage) ratio | 11.7807% | 2,012 |
| Tier 1 risk-based capital ratio | 12.3569% | 4,221 |
| Total risk-based capital ratio | 13.4458% | 4,196 |
| Memoranda: | ||
| Average total assets | $86,995,750 | 4,242 |
| Average earning assets | $80,720,750 | 4,226 |
| Average equity | $10,345,750 | 4,239 |
| Average total loans | $72,540,250 | 3,766 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 214 |
| Cost of funding earning assets | 0.9135% | 2,081 |
| Net interest margin | 5.1364% | 222 |
| Noninterest income to average assets | 0.7290% | 1,604 |
| Noninterest expense to average assets | 3.2216% | 1,459 |
| Loan and lease loss provision to assets | 0.1111% | 1,682 |
| Net operating income to assets | 2.0228% | 370 |
| Return on assets (ROA) | 2.0228% | 391 |
| Pretax return on assets | 2.1593% | 487 |
| Return on Equity (ROE) | 16.9577% | 469 |
| Retained earnings to average equity (ytd only) | -0.3686% | 4,748 |
| Net charge-offs to loans | -0.0028% | 4,016 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6599% | 3,910 |
| Assets per employee ($millions) | 3.7943% | 4,136 |
| Cash dividends to net income (ytd only)* | 102.1739% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,412 |
| Loan loss allowance to noncurrent loans | 66.8175% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.5195% | 739 |
| Noncurrent loans to loans | 1.8279% | 819 |
| Net loans and leases to total assets | 82.1126% | 594 |
| Net loans and leases to deposits | 100.2056% | 660 |
| Net loans and leases to core deposits | 121.4460% | 502 |
| Total domestic deposits to total assets | 81.9441% | 3,530 |
| Equity capital to assets | 11.8703% | 2,290 |
| Core capital (leverage) ratio | 11.9206% | 1,877 |
| Tier 1 risk-based capital ratio | 12.3433% | 4,219 |
| Total risk-based capital ratio | 13.4089% | 4,217 |
| Memoranda: | ||
| Average total assets | $86,417,000 | 4,274 |
| Average earning assets | $80,134,000 | 4,261 |
| Average equity | $10,308,000 | 4,260 |
| Average total loans | $72,427,670 | 3,789 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 249 |
| Cost of funding earning assets | 0.9823% | 1,645 |
| Net interest margin | 4.9415% | 314 |
| Noninterest income to average assets | 0.7675% | 1,372 |
| Noninterest expense to average assets | 3.2468% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9723% | 408 |
| Return on assets (ROA) | 1.9723% | 423 |
| Pretax return on assets | 2.1072% | 514 |
| Return on Equity (ROE) | 16.4940% | 530 |
| Retained earnings to average equity (ytd only) | -1.7505% | 4,725 |
| Net charge-offs to loans | 0.0884% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 28.3125% | 1,365 |
| Efficiency ratio | 60.6429% | 3,730 |
| Assets per employee ($millions) | 3.5322% | 4,532 |
| Cash dividends to net income (ytd only)* | 110.6132% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,744 |
| Loan loss allowance to noncurrent loans | 68.4737% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 879 |
| Noncurrent loans to loans | 1.7084% | 901 |
| Net loans and leases to total assets | 81.8209% | 608 |
| Net loans and leases to deposits | 96.2479% | 939 |
| Net loans and leases to core deposits | 113.1333% | 779 |
| Total domestic deposits to total assets | 85.0106% | 2,676 |
| Equity capital to assets | 12.1430% | 1,939 |
| Core capital (leverage) ratio | 11.7942% | 1,913 |
| Tier 1 risk-based capital ratio | 12.6370% | 4,077 |
| Total risk-based capital ratio | 13.6505% | 4,097 |
| Memoranda: | ||
| Average total assets | $85,991,500 | 4,325 |
| Average earning assets | $79,814,000 | 4,307 |
| Average equity | $10,282,500 | 4,284 |
| Average total loans | $72,369,500 | 3,831 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 183 |
| Cost of funding earning assets | 0.7500% | 1,789 |
| Net interest margin | 5.1817% | 195 |
| Noninterest income to average assets | 0.7177% | 1,781 |
| Noninterest expense to average assets | 3.0347% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3687% | 183 |
| Return on assets (ROA) | 2.4283% | 163 |
| Pretax return on assets | 2.5730% | 180 |
| Return on Equity (ROE) | 19.7432% | 264 |
| Retained earnings to average equity (ytd only) | 1.9354% | 4,374 |
| Net charge-offs to loans | -0.0242% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7357% | 4,552 |
| Assets per employee ($millions) | 3.6338% | 4,407 |
| Cash dividends to net income (ytd only)* | 90.1970% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 2,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.5304% | 365 |
| Net loans and leases to deposits | 108.0179% | 306 |
| Net loans and leases to core deposits | 125.5262% | 406 |
| Total domestic deposits to total assets | 78.2559% | 4,447 |
| Equity capital to assets | 11.7773% | 2,050 |
| Core capital (leverage) ratio | 11.4655% | 2,133 |
| Tier 1 risk-based capital ratio | 12.2385% | 4,278 |
| Total risk-based capital ratio | 13.2350% | 4,328 |
| Memoranda: | ||
| Average total assets | $83,598,400 | 4,364 |
| Average earning assets | $77,869,600 | 4,352 |
| Average equity | $10,282,000 | 4,268 |
| Average total loans | $70,255,600 | 3,866 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8006% | 218 |
| Cost of funding earning assets | 0.6639% | 2,074 |
| Net interest margin | 5.1367% | 202 |
| Noninterest income to average assets | 0.7513% | 1,670 |
| Noninterest expense to average assets | 2.9441% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.4365% | 175 |
| Return on assets (ROA) | 2.5168% | 159 |
| Pretax return on assets | 2.6829% | 171 |
| Return on Equity (ROE) | 20.2366% | 261 |
| Retained earnings to average equity (ytd only) | 4.8873% | 3,299 |
| Net charge-offs to loans | -0.0405% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1277% | 4,696 |
| Assets per employee ($millions) | 3.9943% | 3,897 |
| Cash dividends to net income (ytd only)* | 75.8490% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.9216% | 365 |
| Net loans and leases to deposits | 121.0623% | 95 |
| Net loans and leases to core deposits | 139.5624% | 213 |
| Total domestic deposits to total assets | 70.1470% | 5,208 |
| Equity capital to assets | 11.8715% | 1,988 |
| Core capital (leverage) ratio | 12.2887% | 1,625 |
| Tier 1 risk-based capital ratio | 12.4209% | 4,239 |
| Total risk-based capital ratio | 13.4196% | 4,296 |
| Memoranda: | ||
| Average total assets | $82,695,500 | 4,428 |
| Average earning assets | $77,116,500 | 4,409 |
| Average equity | $10,284,750 | 4,310 |
| Average total loans | $69,180,500 | 3,924 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 247 |
| Cost of funding earning assets | 0.5903% | 2,290 |
| Net interest margin | 5.0879% | 212 |
| Noninterest income to average assets | 0.7213% | 1,785 |
| Noninterest expense to average assets | 3.0629% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2576% | 233 |
| Return on assets (ROA) | 2.2576% | 228 |
| Pretax return on assets | 2.4058% | 269 |
| Return on Equity (ROE) | 17.8591% | 432 |
| Retained earnings to average equity (ytd only) | 3.8102% | 3,694 |
| Net charge-offs to loans | -0.0417% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0072% | 4,477 |
| Assets per employee ($millions) | 3.7285% | 4,318 |
| Cash dividends to net income (ytd only)* | 78.6652% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.0502% | 456 |
| Net loans and leases to deposits | 102.3789% | 636 |
| Net loans and leases to core deposits | 123.2842% | 479 |
| Total domestic deposits to total assets | 82.0971% | 3,690 |
| Equity capital to assets | 12.5850% | 1,493 |
| Core capital (leverage) ratio | 12.5959% | 1,385 |
| Tier 1 risk-based capital ratio | 12.9193% | 3,941 |
| Total risk-based capital ratio | 13.9678% | 3,961 |
| Memoranda: | ||
| Average total assets | $80,969,330 | 4,502 |
| Average earning assets | $75,551,670 | 4,482 |
| Average equity | $10,235,670 | 4,351 |
| Average total loans | $67,085,670 | 3,999 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 315 |
| Cost of funding earning assets | 0.5675% | 2,266 |
| Net interest margin | 4.8614% | 301 |
| Noninterest income to average assets | 0.7061% | 1,797 |
| Noninterest expense to average assets | 2.8344% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2327% | 234 |
| Return on assets (ROA) | 2.2327% | 233 |
| Pretax return on assets | 2.3868% | 268 |
| Return on Equity (ROE) | 17.6217% | 450 |
| Retained earnings to average equity (ytd only) | 5.2983% | 3,037 |
| Net charge-offs to loans | -0.0183% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2857% | 4,768 |
| Assets per employee ($millions) | 3.5882% | 4,554 |
| Cash dividends to net income (ytd only)* | 69.9332% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.2855% | 630 |
| Net loans and leases to deposits | 97.8651% | 871 |
| Net loans and leases to core deposits | 112.0528% | 889 |
| Total domestic deposits to total assets | 84.0805% | 3,292 |
| Equity capital to assets | 12.9818% | 1,257 |
| Core capital (leverage) ratio | 13.1636% | 1,119 |
| Tier 1 risk-based capital ratio | 13.4142% | 3,712 |
| Total risk-based capital ratio | 14.4962% | 3,720 |
| Memoranda: | ||
| Average total assets | $80,441,000 | 4,560 |
| Average earning assets | $74,710,500 | 4,541 |
| Average equity | $10,192,000 | 4,401 |
| Average total loans | $65,740,000 | 4,064 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 306 |
| Cost of funding earning assets | 0.4796% | 2,504 |
| Net interest margin | 4.9272% | 269 |
| Noninterest income to average assets | 0.7748% | 1,665 |
| Noninterest expense to average assets | 3.0636% | 1,967 |
| Loan and lease loss provision to assets | 0.2362% | 814 |
| Net operating income to assets | 1.9339% | 321 |
| Return on assets (ROA) | 1.9339% | 326 |
| Pretax return on assets | 2.0386% | 447 |
| Return on Equity (ROE) | 15.1825% | 584 |
| Retained earnings to average equity (ytd only) | 2.6657% | 3,724 |
| Net charge-offs to loans | 0.1715% | 1,439 |
| Credit loss provision to net charge-offs | 171.2963% | 1,580 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 2,176 |
| Efficiency ratio | 57.3888% | 4,605 |
| Assets per employee ($millions) | 3.9020% | 4,119 |
| Cash dividends to net income (ytd only)* | 82.4422% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.1765% | 1,082 |
| Net loans and leases to deposits | 93.4734% | 1,332 |
| Net loans and leases to core deposits | 106.2546% | 1,251 |
| Total domestic deposits to total assets | 84.7048% | 2,945 |
| Equity capital to assets | 12.3699% | 1,587 |
| Core capital (leverage) ratio | 12.4918% | 1,363 |
| Tier 1 risk-based capital ratio | 13.3801% | 3,700 |
| Total risk-based capital ratio | 14.4698% | 3,707 |
| Memoranda: | ||
| Average total assets | $78,339,400 | 4,622 |
| Average earning assets | $72,555,800 | 4,609 |
| Average equity | $9,978,600 | 4,451 |
| Average total loans | $62,959,200 | 4,128 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 323 |
| Cost of funding earning assets | 0.4569% | 2,645 |
| Net interest margin | 4.8863% | 282 |
| Noninterest income to average assets | 0.7713% | 1,698 |
| Noninterest expense to average assets | 2.9252% | 2,320 |
| Loan and lease loss provision to assets | 0.3185% | 481 |
| Net operating income to assets | 1.9318% | 357 |
| Return on assets (ROA) | 1.9318% | 363 |
| Pretax return on assets | 2.0575% | 486 |
| Return on Equity (ROE) | 15.0510% | 645 |
| Retained earnings to average equity (ytd only) | 2.8170% | 4,224 |
| Net charge-offs to loans | 0.3104% | 677 |
| Credit loss provision to net charge-offs | 127.5862% | 1,915 |
| Earnings coverage of net charge-offs (x) | 9.5171% | 2,686 |
| Efficiency ratio | 55.1803% | 4,830 |
| Assets per employee ($millions) | 3.7510% | 4,371 |
| Cash dividends to net income (ytd only)* | 81.2836% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.8885% | 443 |
| Net loans and leases to deposits | 106.1186% | 415 |
| Net loans and leases to core deposits | 119.7474% | 599 |
| Total domestic deposits to total assets | 79.0517% | 4,522 |
| Equity capital to assets | 12.8133% | 1,488 |
| Core capital (leverage) ratio | 12.8895% | 1,256 |
| Tier 1 risk-based capital ratio | 13.3586% | 3,787 |
| Total risk-based capital ratio | 14.4034% | 3,815 |
| Memoranda: | ||
| Average total assets | $77,439,000 | 4,686 |
| Average earning assets | $71,790,500 | 4,677 |
| Average equity | $9,939,250 | 4,508 |
| Average total loans | $62,274,250 | 4,177 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 405 |
| Cost of funding earning assets | 0.4376% | 2,725 |
| Net interest margin | 4.7492% | 357 |
| Noninterest income to average assets | 0.7533% | 1,759 |
| Noninterest expense to average assets | 2.9197% | 2,363 |
| Loan and lease loss provision to assets | 0.2857% | 551 |
| Net operating income to assets | 1.8235% | 434 |
| Return on assets (ROA) | 1.8235% | 446 |
| Pretax return on assets | 1.9456% | 594 |
| Return on Equity (ROE) | 14.1990% | 784 |
| Retained earnings to average equity (ytd only) | 1.4361% | 4,672 |
| Net charge-offs to loans | 0.4873% | 404 |
| Credit loss provision to net charge-offs | 74.3243% | 2,331 |
| Earnings coverage of net charge-offs (x) | 5.8041% | 2,779 |
| Efficiency ratio | 56.6818% | 4,745 |
| Assets per employee ($millions) | 3.7089% | 4,423 |
| Cash dividends to net income (ytd only)* | 89.8860% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,468 |
| Loan loss allowance to noncurrent loans | 588.3333% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 4,563 |
| Noncurrent loans to loans | 0.1902% | 4,358 |
| Net loans and leases to total assets | 80.0850% | 940 |
| Net loans and leases to deposits | 93.8520% | 1,280 |
| Net loans and leases to core deposits | 110.3533% | 987 |
| Total domestic deposits to total assets | 85.3311% | 2,684 |
| Equity capital to assets | 12.7828% | 1,479 |
| Core capital (leverage) ratio | 12.4981% | 1,370 |
| Tier 1 risk-based capital ratio | 13.8158% | 3,525 |
| Total risk-based capital ratio | 14.8024% | 3,585 |
| Memoranda: | ||
| Average total assets | $76,995,330 | 4,725 |
| Average earning assets | $71,296,000 | 4,717 |
| Average equity | $9,888,000 | 4,525 |
| Average total loans | $60,744,670 | 4,249 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 586 |
| Cost of funding earning assets | 0.4309% | 2,711 |
| Net interest margin | 4.5014% | 524 |
| Noninterest income to average assets | 0.7263% | 1,848 |
| Noninterest expense to average assets | 2.9210% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8236% | 426 |
| Return on assets (ROA) | 1.8236% | 438 |
| Pretax return on assets | 1.9543% | 552 |
| Return on Equity (ROE) | 14.1668% | 771 |
| Retained earnings to average equity (ytd only) | -0.0812% | 4,928 |
| Net charge-offs to loans | 0.0336% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 74.8000% | 690 |
| Efficiency ratio | 59.9143% | 4,460 |
| Assets per employee ($millions) | 3.6509% | 4,574 |
| Cash dividends to net income (ytd only)* | 100.5731% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,797 |
| Loan loss allowance to noncurrent loans | 278.4906% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 3,815 |
| Noncurrent loans to loans | 0.4504% | 3,482 |
| Net loans and leases to total assets | 75.7738% | 1,448 |
| Net loans and leases to deposits | 88.8819% | 1,679 |
| Net loans and leases to core deposits | 100.0310% | 1,503 |
| Total domestic deposits to total assets | 85.2522% | 2,982 |
| Equity capital to assets | 12.8513% | 1,326 |
| Core capital (leverage) ratio | 13.0399% | 1,128 |
| Tier 1 risk-based capital ratio | 14.3304% | 3,297 |
| Total risk-based capital ratio | 15.4082% | 3,299 |
| Memoranda: | ||
| Average total assets | $76,550,000 | 4,781 |
| Average earning assets | $70,556,500 | 4,776 |
| Average equity | $9,854,000 | 4,562 |
| Average total loans | $59,576,500 | 4,314 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 253 |
| Cost of funding earning assets | 0.3615% | 3,397 |
| Net interest margin | 5.1346% | 192 |
| Noninterest income to average assets | 0.7203% | 2,079 |
| Noninterest expense to average assets | 2.9774% | 2,417 |
| Loan and lease loss provision to assets | 0.0321% | 3,710 |
| Net operating income to assets | 2.3521% | 183 |
| Return on assets (ROA) | 2.3521% | 187 |
| Pretax return on assets | 2.4523% | 213 |
| Return on Equity (ROE) | 19.0821% | 262 |
| Retained earnings to average equity (ytd only) | 6.7912% | 1,313 |
| Net charge-offs to loans | -0.0397% | 5,334 |
| Credit loss provision to net charge-offs | -100.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5134% | 5,199 |
| Assets per employee ($millions) | 3.4741% | 4,796 |
| Cash dividends to net income (ytd only)* | 64.4105% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,926 |
| Loan loss allowance to noncurrent loans | 1,456.8627% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 5,063 |
| Noncurrent loans to loans | 0.0845% | 4,905 |
| Net loans and leases to total assets | 77.9487% | 1,202 |
| Net loans and leases to deposits | 91.5077% | 1,513 |
| Net loans and leases to core deposits | 106.5054% | 1,099 |
| Total domestic deposits to total assets | 85.1827% | 2,964 |
| Equity capital to assets | 12.8940% | 1,302 |
| Core capital (leverage) ratio | 12.3668% | 1,397 |
| Tier 1 risk-based capital ratio | 14.2115% | 3,340 |
| Total risk-based capital ratio | 16.3631% | 2,849 |
| Memoranda: | ||
| Average total assets | $77,886,400 | 4,769 |
| Average earning assets | $71,923,800 | 4,760 |
| Average equity | $9,600,600 | 4,647 |
| Average total loans | $63,024,600 | 4,198 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5137% | 240 |
| Cost of funding earning assets | 0.3589% | 3,447 |
| Net interest margin | 5.1548% | 187 |
| Noninterest income to average assets | 0.6935% | 2,199 |
| Noninterest expense to average assets | 2.8932% | 2,658 |
| Loan and lease loss provision to assets | 0.0426% | 3,379 |
| Net operating income to assets | 2.3718% | 191 |
| Return on assets (ROA) | 2.3718% | 198 |
| Pretax return on assets | 2.5303% | 210 |
| Return on Equity (ROE) | 19.4605% | 270 |
| Retained earnings to average equity (ytd only) | 7.9268% | 1,203 |
| Net charge-offs to loans | -0.0544% | 5,394 |
| Credit loss provision to net charge-offs | -96.1538% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9302% | 5,318 |
| Assets per employee ($millions) | 3.5124% | 4,762 |
| Cash dividends to net income (ytd only)* | 59.2672% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,679 |
| Loan loss allowance to noncurrent loans | 520.9790% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 4,696 |
| Noncurrent loans to loans | 0.2167% | 4,490 |
| Net loans and leases to total assets | 84.4226% | 375 |
| Net loans and leases to deposits | 101.0455% | 635 |
| Net loans and leases to core deposits | 116.2586% | 650 |
| Total domestic deposits to total assets | 83.5490% | 3,375 |
| Equity capital to assets | 12.7148% | 1,636 |
| Core capital (leverage) ratio | 12.3957% | 1,445 |
| Tier 1 risk-based capital ratio | 13.2989% | 3,978 |
| Total risk-based capital ratio | 15.3358% | 3,439 |
| Memoranda: | ||
| Average total assets | $78,250,250 | 4,802 |
| Average earning assets | $72,448,500 | 4,786 |
| Average equity | $9,537,000 | 4,701 |
| Average total loans | $63,700,750 | 4,213 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 240 |
| Cost of funding earning assets | 0.3553% | 3,510 |
| Net interest margin | 5.1751% | 177 |
| Noninterest income to average assets | 0.7076% | 2,113 |
| Noninterest expense to average assets | 2.8533% | 2,831 |
| Loan and lease loss provision to assets | 0.0636% | 2,874 |
| Net operating income to assets | 2.4129% | 170 |
| Return on assets (ROA) | 2.4129% | 175 |
| Pretax return on assets | 2.5733% | 198 |
| Return on Equity (ROE) | 20.0826% | 237 |
| Retained earnings to average equity (ytd only) | 8.4313% | 1,034 |
| Net charge-offs to loans | -0.0890% | 5,581 |
| Credit loss provision to net charge-offs | -89.2857% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9703% | 5,446 |
| Assets per employee ($millions) | 3.6284% | 4,552 |
| Cash dividends to net income (ytd only)* | 58.0169% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,696 |
| Loan loss allowance to noncurrent loans | 526.0563% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 4,786 |
| Noncurrent loans to loans | 0.2173% | 4,571 |
| Net loans and leases to total assets | 80.9255% | 768 |
| Net loans and leases to deposits | 94.1511% | 1,279 |
| Net loans and leases to core deposits | 113.8431% | 736 |
| Total domestic deposits to total assets | 85.9528% | 2,443 |
| Equity capital to assets | 12.1041% | 2,052 |
| Core capital (leverage) ratio | 11.7513% | 1,815 |
| Tier 1 risk-based capital ratio | 12.9278% | 4,241 |
| Total risk-based capital ratio | 13.9378% | 4,302 |
| Memoranda: | ||
| Average total assets | $78,576,330 | 4,849 |
| Average earning assets | $72,617,330 | 4,829 |
| Average equity | $9,441,000 | 4,747 |
| Average total loans | $62,941,000 | 4,259 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 230 |
| Cost of funding earning assets | 0.3584% | 3,519 |
| Net interest margin | 5.2188% | 171 |
| Noninterest income to average assets | 0.6825% | 2,123 |
| Noninterest expense to average assets | 2.8222% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4630% | 165 |
| Return on assets (ROA) | 2.4630% | 171 |
| Pretax return on assets | 2.6426% | 189 |
| Return on Equity (ROE) | 20.5777% | 209 |
| Retained earnings to average equity (ytd only) | 8.7884% | 1,176 |
| Net charge-offs to loans | 0.0065% | 2,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 515.0000% | 107 |
| Efficiency ratio | 51.6432% | 5,533 |
| Assets per employee ($millions) | 3.5553% | 4,734 |
| Cash dividends to net income (ytd only)* | 57.2917% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,971 |
| Loan loss allowance to noncurrent loans | 284.0164% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 4,326 |
| Noncurrent loans to loans | 0.3923% | 4,033 |
| Net loans and leases to total assets | 78.6310% | 1,007 |
| Net loans and leases to deposits | 91.4596% | 1,408 |
| Net loans and leases to core deposits | 105.6499% | 1,095 |
| Total domestic deposits to total assets | 85.9735% | 2,684 |
| Equity capital to assets | 12.0653% | 1,982 |
| Core capital (leverage) ratio | 12.0588% | 1,572 |
| Tier 1 risk-based capital ratio | 13.2350% | 4,128 |
| Total risk-based capital ratio | 14.2141% | 4,206 |
| Memoranda: | ||
| Average total assets | $77,952,500 | 4,900 |
| Average earning assets | $71,434,500 | 4,887 |
| Average equity | $9,330,500 | 4,799 |
| Average total loans | $61,739,000 | 4,320 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6766% | 205 |
| Cost of funding earning assets | 0.3221% | 4,003 |
| Net interest margin | 5.3545% | 155 |
| Noninterest income to average assets | 0.4464% | 3,699 |
| Noninterest expense to average assets | 3.0381% | 2,423 |
| Loan and lease loss provision to assets | 0.1580% | 1,472 |
| Net operating income to assets | 2.0781% | 304 |
| Return on assets (ROA) | 2.0781% | 312 |
| Pretax return on assets | 2.1755% | 366 |
| Return on Equity (ROE) | 17.7931% | 397 |
| Retained earnings to average equity (ytd only) | 7.1150% | 1,231 |
| Net charge-offs to loans | 0.1234% | 2,136 |
| Credit loss provision to net charge-offs | 160.0000% | 1,682 |
| Earnings coverage of net charge-offs (x) | 23.6267% | 1,723 |
| Efficiency ratio | 56.5580% | 5,290 |
| Assets per employee ($millions) | 3.5313% | 4,773 |
| Cash dividends to net income (ytd only)* | 60.0127% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,854 |
| Loan loss allowance to noncurrent loans | 226.7974% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 4,020 |
| Noncurrent loans to loans | 0.4993% | 3,690 |
| Net loans and leases to total assets | 77.9892% | 1,119 |
| Net loans and leases to deposits | 88.9001% | 1,759 |
| Net loans and leases to core deposits | 102.8117% | 1,309 |
| Total domestic deposits to total assets | 87.7267% | 1,783 |
| Equity capital to assets | 11.8730% | 2,051 |
| Core capital (leverage) ratio | 12.4411% | 1,377 |
| Tier 1 risk-based capital ratio | 13.0535% | 4,272 |
| Total risk-based capital ratio | 14.0423% | 4,352 |
| Memoranda: | ||
| Average total assets | $75,936,200 | 4,950 |
| Average earning assets | $69,848,200 | 4,945 |
| Average equity | $8,868,600 | 4,877 |
| Average total loans | $60,785,200 | 4,358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6871% | 200 |
| Cost of funding earning assets | 0.3210% | 4,090 |
| Net interest margin | 5.3661% | 152 |
| Noninterest income to average assets | 0.4433% | 3,769 |
| Noninterest expense to average assets | 2.9722% | 2,605 |
| Loan and lease loss provision to assets | 0.2119% | 913 |
| Net operating income to assets | 2.0804% | 317 |
| Return on assets (ROA) | 2.0804% | 337 |
| Pretax return on assets | 2.2181% | 396 |
| Return on Equity (ROE) | 17.8892% | 406 |
| Retained earnings to average equity (ytd only) | 7.1070% | 1,636 |
| Net charge-offs to loans | 0.1407% | 1,712 |
| Credit loss provision to net charge-offs | 187.5000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 21.5003% | 1,820 |
| Efficiency ratio | 55.0180% | 5,443 |
| Assets per employee ($millions) | 3.7047% | 4,435 |
| Cash dividends to net income (ytd only)* | 60.2714% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 4,205 |
| Loan loss allowance to noncurrent loans | 176.4411% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 3,776 |
| Noncurrent loans to loans | 0.6254% | 3,447 |
| Net loans and leases to total assets | 81.1026% | 689 |
| Net loans and leases to deposits | 99.3982% | 701 |
| Net loans and leases to core deposits | 115.4206% | 618 |
| Total domestic deposits to total assets | 81.5936% | 4,293 |
| Equity capital to assets | 11.6454% | 2,382 |
| Core capital (leverage) ratio | 11.5480% | 2,001 |
| Tier 1 risk-based capital ratio | 12.9059% | 4,481 |
| Total risk-based capital ratio | 13.9155% | 4,544 |
| Memoranda: | ||
| Average total assets | $75,498,000 | 5,013 |
| Average earning assets | $69,770,000 | 5,000 |
| Average equity | $8,779,750 | 4,958 |
| Average total loans | $60,660,750 | 4,409 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 195 |
| Cost of funding earning assets | 0.3137% | 4,237 |
| Net interest margin | 5.3911% | 144 |
| Noninterest income to average assets | 0.4202% | 3,918 |
| Noninterest expense to average assets | 2.9680% | 2,659 |
| Loan and lease loss provision to assets | 0.3212% | 443 |
| Net operating income to assets | 1.9671% | 388 |
| Return on assets (ROA) | 1.9671% | 402 |
| Pretax return on assets | 2.0982% | 496 |
| Return on Equity (ROE) | 16.9231% | 498 |
| Retained earnings to average equity (ytd only) | 6.0325% | 2,227 |
| Net charge-offs to loans | 0.2114% | 1,204 |
| Credit loss provision to net charge-offs | 190.4762% | 1,286 |
| Earnings coverage of net charge-offs (x) | 14.3492% | 2,063 |
| Efficiency ratio | 55.0919% | 5,503 |
| Assets per employee ($millions) | 3.6251% | 4,584 |
| Cash dividends to net income (ytd only)* | 64.3537% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 3,858 |
| Loan loss allowance to noncurrent loans | 438.5093% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,062 |
| Noncurrent loans to loans | 0.2709% | 4,698 |
| Net loans and leases to total assets | 73.6386% | 1,720 |
| Net loans and leases to deposits | 83.1396% | 2,419 |
| Net loans and leases to core deposits | 102.1800% | 1,320 |
| Total domestic deposits to total assets | 88.5722% | 1,376 |
| Equity capital to assets | 11.0140% | 2,870 |
| Core capital (leverage) ratio | 10.9744% | 2,450 |
| Tier 1 risk-based capital ratio | 14.0009% | 3,922 |
| Total risk-based capital ratio | 15.1251% | 3,929 |
| Memoranda: | ||
| Average total assets | $74,731,000 | 5,080 |
| Average earning assets | $68,854,670 | 5,061 |
| Average equity | $8,686,330 | 5,012 |
| Average total loans | $59,614,000 | 4,477 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 168 |
| Cost of funding earning assets | 0.3206% | 4,219 |
| Net interest margin | 5.4920% | 122 |
| Noninterest income to average assets | 0.3988% | 4,012 |
| Noninterest expense to average assets | 2.9244% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.3428% | 187 |
| Return on assets (ROA) | 2.3428% | 200 |
| Pretax return on assets | 2.5035% | 240 |
| Return on Equity (ROE) | 19.5890% | 285 |
| Retained earnings to average equity (ytd only) | 8.9841% | 1,200 |
| Net charge-offs to loans | -0.1139% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8776% | 5,690 |
| Assets per employee ($millions) | 3.3411% | 5,179 |
| Cash dividends to net income (ytd only)* | 54.1371% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 4,407 |
| Loan loss allowance to noncurrent loans | 194.7368% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 4,167 |
| Noncurrent loans to loans | 0.5766% | 3,853 |
| Net loans and leases to total assets | 79.7891% | 708 |
| Net loans and leases to deposits | 90.9752% | 1,297 |
| Net loans and leases to core deposits | 100.6383% | 1,279 |
| Total domestic deposits to total assets | 87.7042% | 1,983 |
| Equity capital to assets | 11.8835% | 2,119 |
| Core capital (leverage) ratio | 12.1398% | 1,554 |
| Tier 1 risk-based capital ratio | 14.7829% | 3,553 |
| Total risk-based capital ratio | 15.9125% | 3,548 |
| Memoranda: | ||
| Average total assets | $72,220,000 | 5,192 |
| Average earning assets | $66,132,500 | 5,200 |
| Average equity | $8,637,500 | 5,071 |
| Average total loans | $59,703,500 | 4,501 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0360% | 145 |
| Cost of funding earning assets | 0.3721% | 4,009 |
| Net interest margin | 5.6639% | 104 |
| Noninterest income to average assets | 0.5006% | 3,502 |
| Noninterest expense to average assets | 3.1711% | 2,288 |
| Loan and lease loss provision to assets | 0.1556% | 1,687 |
| Net operating income to assets | 2.2160% | 219 |
| Return on assets (ROA) | 2.2227% | 218 |
| Pretax return on assets | 2.3282% | 258 |
| Return on Equity (ROE) | 19.4622% | 280 |
| Retained earnings to average equity (ytd only) | 2.2980% | 4,600 |
| Net charge-offs to loans | 0.1787% | 2,241 |
| Credit loss provision to net charge-offs | 107.4766% | 2,223 |
| Earnings coverage of net charge-offs (x) | 17.1121% | 1,959 |
| Efficiency ratio | 56.1437% | 5,654 |
| Assets per employee ($millions) | 3.2243% | 5,399 |
| Cash dividends to net income (ytd only)* | 88.1923% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 4,641 |
| Loan loss allowance to noncurrent loans | 187.5723% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 4,176 |
| Noncurrent loans to loans | 0.5758% | 3,945 |
| Net loans and leases to total assets | 83.7993% | 356 |
| Net loans and leases to deposits | 96.2453% | 888 |
| Net loans and leases to core deposits | 108.9258% | 831 |
| Total domestic deposits to total assets | 87.0684% | 2,240 |
| Equity capital to assets | 12.0392% | 1,995 |
| Core capital (leverage) ratio | 11.5959% | 1,905 |
| Tier 1 risk-based capital ratio | 13.9862% | 4,106 |
| Total risk-based capital ratio | 15.0502% | 4,169 |
| Memoranda: | ||
| Average total assets | $73,918,600 | 5,188 |
| Average earning assets | $67,179,800 | 5,193 |
| Average equity | $8,442,000 | 5,099 |
| Average total loans | $59,881,000 | 4,494 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0383% | 150 |
| Cost of funding earning assets | 0.3775% | 4,049 |
| Net interest margin | 5.6608% | 110 |
| Noninterest income to average assets | 0.5000% | 3,545 |
| Noninterest expense to average assets | 2.9964% | 2,808 |
| Loan and lease loss provision to assets | 0.2054% | 1,144 |
| Net operating income to assets | 2.2929% | 195 |
| Return on assets (ROA) | 2.3018% | 196 |
| Pretax return on assets | 2.4482% | 233 |
| Return on Equity (ROE) | 20.4172% | 258 |
| Retained earnings to average equity (ytd only) | 2.1067% | 5,001 |
| Net charge-offs to loans | 0.2429% | 1,582 |
| Credit loss provision to net charge-offs | 105.5046% | 2,111 |
| Earnings coverage of net charge-offs (x) | 13.5871% | 2,214 |
| Efficiency ratio | 53.1181% | 5,911 |
| Assets per employee ($millions) | 3.2540% | 5,320 |
| Cash dividends to net income (ytd only)* | 89.6818% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 4,955 |
| Loan loss allowance to noncurrent loans | 178.2369% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 4,360 |
| Noncurrent loans to loans | 0.5929% | 4,153 |
| Net loans and leases to total assets | 84.6233% | 290 |
| Net loans and leases to deposits | 104.2487% | 386 |
| Net loans and leases to core deposits | 116.6972% | 477 |
| Total domestic deposits to total assets | 81.1745% | 4,778 |
| Equity capital to assets | 11.8524% | 2,192 |
| Core capital (leverage) ratio | 11.8898% | 1,766 |
| Tier 1 risk-based capital ratio | 13.5549% | 4,504 |
| Total risk-based capital ratio | 14.5902% | 4,586 |
| Memoranda: | ||
| Average total assets | $74,664,500 | 5,240 |
| Average earning assets | $67,810,000 | 5,230 |
| Average equity | $8,417,500 | 5,147 |
| Average total loans | $59,828,250 | 4,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0722% | 140 |
| Cost of funding earning assets | 0.3826% | 4,071 |
| Net interest margin | 5.6896% | 103 |
| Noninterest income to average assets | 0.4651% | 3,749 |
| Noninterest expense to average assets | 2.9251% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.5261% | 134 |
| Return on assets (ROA) | 2.5393% | 136 |
| Pretax return on assets | 2.7005% | 158 |
| Return on Equity (ROE) | 22.8946% | 167 |
| Retained earnings to average equity (ytd only) | 2.3347% | 4,715 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1186% | 6,055 |
| Assets per employee ($millions) | 3.3418% | 5,169 |
| Cash dividends to net income (ytd only)* | 89.8023% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 4,971 |
| Loan loss allowance to noncurrent loans | 110.1549% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7903% | 3,595 |
| Noncurrent loans to loans | 0.9838% | 3,264 |
| Net loans and leases to total assets | 79.4559% | 749 |
| Net loans and leases to deposits | 90.0231% | 1,370 |
| Net loans and leases to core deposits | 107.4970% | 791 |
| Total domestic deposits to total assets | 88.2617% | 1,755 |
| Equity capital to assets | 11.4812% | 2,443 |
| Core capital (leverage) ratio | 11.2285% | 2,219 |
| Tier 1 risk-based capital ratio | 12.7710% | 5,055 |
| Total risk-based capital ratio | 13.7404% | 5,159 |
| Memoranda: | ||
| Average total assets | $75,689,670 | 5,260 |
| Average earning assets | $68,476,000 | 5,260 |
| Average equity | $8,395,000 | 5,177 |
| Average total loans | $59,361,670 | 4,570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9700% | 148 |
| Cost of funding earning assets | 0.3865% | 4,127 |
| Net interest margin | 5.5835% | 119 |
| Noninterest income to average assets | 0.4533% | 3,761 |
| Noninterest expense to average assets | 2.7874% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.5321% | 141 |
| Return on assets (ROA) | 2.5581% | 146 |
| Pretax return on assets | 2.7353% | 174 |
| Return on Equity (ROE) | 23.4591% | 163 |
| Retained earnings to average equity (ytd only) | 5.0645% | 3,086 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7109% | 6,213 |
| Assets per employee ($millions) | 3.3905% | 5,172 |
| Cash dividends to net income (ytd only)* | 78.4114% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,139 |
| Loan loss allowance to noncurrent loans | 267.0833% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 5,183 |
| Noncurrent loans to loans | 0.4102% | 4,904 |
| Net loans and leases to total assets | 77.5895% | 808 |
| Net loans and leases to deposits | 87.8556% | 1,372 |
| Net loans and leases to core deposits | 99.7673% | 1,117 |
| Total domestic deposits to total assets | 88.3148% | 2,046 |
| Equity capital to assets | 11.3045% | 2,416 |
| Core capital (leverage) ratio | 10.9661% | 2,419 |
| Tier 1 risk-based capital ratio | 13.8508% | 4,434 |
| Total risk-based capital ratio | 14.9028% | 4,528 |
| Memoranda: | ||
| Average total assets | $76,774,500 | 5,282 |
| Average earning assets | $69,347,000 | 5,285 |
| Average equity | $8,372,000 | 5,206 |
| Average total loans | $59,514,500 | 4,609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1376% | 137 |
| Cost of funding earning assets | 0.4333% | 4,283 |
| Net interest margin | 5.7043% | 100 |
| Noninterest income to average assets | 0.4980% | 3,776 |
| Noninterest expense to average assets | 2.7936% | 3,747 |
| Loan and lease loss provision to assets | 0.0643% | 3,847 |
| Net operating income to assets | 2.7177% | 137 |
| Return on assets (ROA) | 2.7177% | 137 |
| Pretax return on assets | 2.8580% | 137 |
| Return on Equity (ROE) | 26.9264% | 102 |
| Retained earnings to average equity (ytd only) | 13.6162% | 215 |
| Net charge-offs to loans | 0.0957% | 3,885 |
| Credit loss provision to net charge-offs | 81.9672% | 2,987 |
| Earnings coverage of net charge-offs (x) | 37.2295% | 1,006 |
| Efficiency ratio | 48.8744% | 6,455 |
| Assets per employee ($millions) | 3.5890% | 4,710 |
| Cash dividends to net income (ytd only)* | 49.4318% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 5,309 |
| Loan loss allowance to noncurrent loans | 386.1446% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,662 |
| Noncurrent loans to loans | 0.2743% | 5,353 |
| Net loans and leases to total assets | 75.8280% | 1,100 |
| Net loans and leases to deposits | 85.0626% | 1,801 |
| Net loans and leases to core deposits | 96.0627% | 1,456 |
| Total domestic deposits to total assets | 89.1437% | 1,523 |
| Equity capital to assets | 10.5270% | 3,116 |
| Core capital (leverage) ratio | 10.1551% | 3,356 |
| Tier 1 risk-based capital ratio | 13.0638% | 4,933 |
| Total risk-based capital ratio | 14.0687% | 5,050 |
| Memoranda: | ||
| Average total assets | $77,712,200 | 5,290 |
| Average earning assets | $71,086,600 | 5,279 |
| Average equity | $7,843,600 | 5,386 |
| Average total loans | $63,736,600 | 4,493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1313% | 142 |
| Cost of funding earning assets | 0.4325% | 4,483 |
| Net interest margin | 5.6989% | 105 |
| Noninterest income to average assets | 0.5151% | 3,708 |
| Noninterest expense to average assets | 2.5977% | 4,395 |
| Loan and lease loss provision to assets | 0.0861% | 3,339 |
| Net operating income to assets | 2.8888% | 122 |
| Return on assets (ROA) | 2.8888% | 125 |
| Pretax return on assets | 3.0748% | 129 |
| Return on Equity (ROE) | 28.9386% | 78 |
| Retained earnings to average equity (ytd only) | 14.6333% | 221 |
| Net charge-offs to loans | 0.0496% | 4,197 |
| Credit loss provision to net charge-offs | 208.3333% | 1,162 |
| Earnings coverage of net charge-offs (x) | 76.4566% | 618 |
| Efficiency ratio | 45.1092% | 6,625 |
| Assets per employee ($millions) | 3.8083% | 4,217 |
| Cash dividends to net income (ytd only)* | 49.4338% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 5,752 |
| Loan loss allowance to noncurrent loans | 565.0000% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 5,991 |
| Noncurrent loans to loans | 0.1761% | 5,801 |
| Net loans and leases to total assets | 84.3501% | 225 |
| Net loans and leases to deposits | 105.1402% | 260 |
| Net loans and leases to core deposits | 115.4665% | 412 |
| Total domestic deposits to total assets | 80.2263% | 5,452 |
| Equity capital to assets | 10.1269% | 3,736 |
| Core capital (leverage) ratio | 10.4371% | 3,079 |
| Tier 1 risk-based capital ratio | 11.6894% | 5,954 |
| Total risk-based capital ratio | 12.6662% | 6,059 |
| Memoranda: | ||
| Average total assets | $77,400,500 | 5,349 |
| Average earning assets | $71,217,000 | 5,330 |
| Average equity | $7,726,500 | 5,464 |
| Average total loans | $64,542,250 | 4,508 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1305% | 147 |
| Cost of funding earning assets | 0.4481% | 4,449 |
| Net interest margin | 5.6824% | 109 |
| Noninterest income to average assets | 0.4991% | 3,846 |
| Noninterest expense to average assets | 2.5110% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.9996% | 113 |
| Return on assets (ROA) | 2.9996% | 117 |
| Pretax return on assets | 3.1904% | 132 |
| Return on Equity (ROE) | 30.2013% | 69 |
| Retained earnings to average equity (ytd only) | 14.0483% | 297 |
| Net charge-offs to loans | 0.0695% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 742 |
| Efficiency ratio | 44.0422% | 6,706 |
| Assets per employee ($millions) | 3.7863% | 4,243 |
| Cash dividends to net income (ytd only)* | 53.4843% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 5,905 |
| Loan loss allowance to noncurrent loans | 875.0000% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 6,210 |
| Noncurrent loans to loans | 0.1117% | 6,062 |
| Net loans and leases to total assets | 84.2813% | 220 |
| Net loans and leases to deposits | 97.9902% | 542 |
| Net loans and leases to core deposits | 108.7072% | 618 |
| Total domestic deposits to total assets | 86.0099% | 3,361 |
| Equity capital to assets | 10.2714% | 3,573 |
| Core capital (leverage) ratio | 10.1275% | 3,325 |
| Tier 1 risk-based capital ratio | 12.0208% | 5,785 |
| Total risk-based capital ratio | 12.9919% | 5,919 |
| Memoranda: | ||
| Average total assets | $76,542,330 | 5,404 |
| Average earning assets | $70,076,000 | 5,392 |
| Average equity | $7,602,330 | 5,540 |
| Average total loans | $63,344,000 | 4,561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0749% | 148 |
| Cost of funding earning assets | 0.4647% | 4,432 |
| Net interest margin | 5.6103% | 109 |
| Noninterest income to average assets | 0.4626% | 4,035 |
| Noninterest expense to average assets | 2.6718% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.6978% | 132 |
| Return on assets (ROA) | 2.6978% | 139 |
| Pretax return on assets | 2.8746% | 176 |
| Return on Equity (ROE) | 27.6266% | 95 |
| Retained earnings to average equity (ytd only) | 16.1820% | 265 |
| Net charge-offs to loans | -0.0446% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1724% | 6,604 |
| Assets per employee ($millions) | 3.3970% | 5,212 |
| Cash dividends to net income (ytd only)* | 41.4258% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,830 |
| Loan loss allowance to noncurrent loans | 766.2791% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 6,222 |
| Noncurrent loans to loans | 0.1359% | 6,058 |
| Net loans and leases to total assets | 83.8039% | 197 |
| Net loans and leases to deposits | 97.5165% | 471 |
| Net loans and leases to core deposits | 104.8640% | 685 |
| Total domestic deposits to total assets | 85.9381% | 3,561 |
| Equity capital to assets | 10.2042% | 3,898 |
| Core capital (leverage) ratio | 10.0770% | 3,297 |
| Tier 1 risk-based capital ratio | 11.9808% | 5,928 |
| Total risk-based capital ratio | 13.0239% | 6,022 |
| Memoranda: | ||
| Average total assets | $76,951,000 | 5,441 |
| Average earning assets | $69,729,000 | 5,442 |
| Average equity | $7,514,500 | 5,620 |
| Average total loans | $62,790,000 | 4,609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4687% | 136 |
| Cost of funding earning assets | 0.6596% | 3,839 |
| Net interest margin | 5.8091% | 101 |
| Noninterest income to average assets | 0.7166% | 2,630 |
| Noninterest expense to average assets | 3.4884% | 1,839 |
| Loan and lease loss provision to assets | 0.0957% | 4,463 |
| Net operating income to assets | 2.2823% | 216 |
| Return on assets (ROA) | 2.2892% | 233 |
| Pretax return on assets | 2.3904% | 297 |
| Return on Equity (ROE) | 23.5775% | 162 |
| Retained earnings to average equity (ytd only) | 10.2676% | 549 |
| Net charge-offs to loans | 0.0385% | 5,380 |
| Credit loss provision to net charge-offs | 304.3478% | 796 |
| Earnings coverage of net charge-offs (x) | 78.8261% | 486 |
| Efficiency ratio | 58.4555% | 5,769 |
| Assets per employee ($millions) | 3.5985% | 4,781 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 5,773 |
| Loan loss allowance to noncurrent loans | 1,051.6129% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 6,411 |
| Noncurrent loans to loans | 0.0995% | 6,237 |
| Net loans and leases to total assets | 77.8585% | 695 |
| Net loans and leases to deposits | 93.3274% | 799 |
| Net loans and leases to core deposits | 100.1413% | 1,016 |
| Total domestic deposits to total assets | 83.4251% | 4,559 |
| Equity capital to assets | 9.3510% | 5,075 |
| Core capital (leverage) ratio | 9.7235% | 3,768 |
| Tier 1 risk-based capital ratio | 11.4307% | 6,149 |
| Total risk-based capital ratio | 12.4565% | 6,234 |
| Memoranda: | ||
| Average total assets | $73,127,200 | 5,545 |
| Average earning assets | $66,103,400 | 5,546 |
| Average equity | $7,100,000 | 5,735 |
| Average total loans | $59,666,400 | 4,725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5905% | 128 |
| Cost of funding earning assets | 0.7014% | 3,760 |
| Net interest margin | 5.8891% | 100 |
| Noninterest income to average assets | 0.4524% | 4,274 |
| Noninterest expense to average assets | 3.3399% | 2,156 |
| Loan and lease loss provision to assets | 0.1303% | 3,922 |
| Net operating income to assets | 2.2043% | 279 |
| Return on assets (ROA) | 2.2043% | 314 |
| Pretax return on assets | 2.3439% | 381 |
| Return on Equity (ROE) | 22.4740% | 214 |
| Retained earnings to average equity (ytd only) | 12.5656% | 429 |
| Net charge-offs to loans | 0.0791% | 4,606 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 37.9679% | 919 |
| Efficiency ratio | 57.4448% | 5,864 |
| Assets per employee ($millions) | 3.3247% | 5,384 |
| Cash dividends to net income (ytd only)* | 44.0876% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 5,835 |
| Loan loss allowance to noncurrent loans | 888.8889% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,484 |
| Noncurrent loans to loans | 0.1201% | 6,307 |
| Net loans and leases to total assets | 81.1028% | 424 |
| Net loans and leases to deposits | 94.5973% | 746 |
| Net loans and leases to core deposits | 112.2165% | 490 |
| Total domestic deposits to total assets | 85.7348% | 3,395 |
| Equity capital to assets | 10.0488% | 4,426 |
| Core capital (leverage) ratio | 9.9370% | 3,637 |
| Tier 1 risk-based capital ratio | 11.7979% | 6,060 |
| Total risk-based capital ratio | 12.8469% | 6,147 |
| Memoranda: | ||
| Average total assets | $71,617,000 | 5,646 |
| Average earning assets | $65,203,500 | 5,634 |
| Average equity | $7,024,250 | 5,821 |
| Average total loans | $59,010,250 | 4,797 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5442% | 139 |
| Cost of funding earning assets | 0.7189% | 3,868 |
| Net interest margin | 5.8253% | 113 |
| Noninterest income to average assets | 0.4106% | 4,575 |
| Noninterest expense to average assets | 3.2964% | 2,311 |
| Loan and lease loss provision to assets | 0.1266% | 3,938 |
| Net operating income to assets | 2.1601% | 301 |
| Return on assets (ROA) | 2.1601% | 339 |
| Pretax return on assets | 2.2979% | 415 |
| Return on Equity (ROE) | 22.2104% | 244 |
| Retained earnings to average equity (ytd only) | 11.3655% | 679 |
| Net charge-offs to loans | 0.1056% | 4,119 |
| Credit loss provision to net charge-offs | 145.1613% | 1,910 |
| Earnings coverage of net charge-offs (x) | 27.8065% | 1,121 |
| Efficiency ratio | 57.6205% | 5,915 |
| Assets per employee ($millions) | 3.3743% | 5,263 |
| Cash dividends to net income (ytd only)* | 48.8281% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 5,989 |
| Loan loss allowance to noncurrent loans | 1,719.4444% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 6,660 |
| Noncurrent loans to loans | 0.0607% | 6,517 |
| Net loans and leases to total assets | 82.7858% | 280 |
| Net loans and leases to deposits | 97.6382% | 548 |
| Net loans and leases to core deposits | 114.1062% | 447 |
| Total domestic deposits to total assets | 84.7883% | 3,954 |
| Equity capital to assets | 10.0099% | 4,321 |
| Core capital (leverage) ratio | 9.6691% | 3,892 |
| Tier 1 risk-based capital ratio | 11.4028% | 6,278 |
| Total risk-based capital ratio | 12.4214% | 6,392 |
| Memoranda: | ||
| Average total assets | $71,108,330 | 5,696 |
| Average earning assets | $64,820,330 | 5,680 |
| Average equity | $6,915,670 | 5,874 |
| Average total loans | $58,693,330 | 4,839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7161% | 128 |
| Cost of funding earning assets | 0.7289% | 4,038 |
| Net interest margin | 5.9872% | 103 |
| Noninterest income to average assets | 0.3987% | 4,684 |
| Noninterest expense to average assets | 3.3917% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2574% | 255 |
| Return on assets (ROA) | 2.2574% | 310 |
| Pretax return on assets | 2.4034% | 387 |
| Return on Equity (ROE) | 23.5535% | 226 |
| Retained earnings to average equity (ytd only) | 15.3508% | 423 |
| Net charge-offs to loans | 0.0274% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 324 |
| Efficiency ratio | 58.5271% | 5,845 |
| Assets per employee ($millions) | 3.7632% | 4,510 |
| Cash dividends to net income (ytd only)* | 34.8259% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,078 |
| Loan loss allowance to noncurrent loans | 1,624.3243% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 6,740 |
| Noncurrent loans to loans | 0.0646% | 6,591 |
| Net loans and leases to total assets | 79.2339% | 475 |
| Net loans and leases to deposits | 94.7961% | 616 |
| Net loans and leases to core deposits | 101.5287% | 888 |
| Total domestic deposits to total assets | 83.5834% | 4,682 |
| Equity capital to assets | 9.7271% | 4,484 |
| Core capital (leverage) ratio | 9.7280% | 3,737 |
| Tier 1 risk-based capital ratio | 11.3149% | 6,378 |
| Total risk-based capital ratio | 12.3152% | 6,490 |
| Memoranda: | ||
| Average total assets | $71,232,500 | 5,735 |
| Average earning assets | $64,203,500 | 5,748 |
| Average equity | $6,827,000 | 5,923 |
| Average total loans | $58,399,500 | 4,887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8706% | 112 |
| Cost of funding earning assets | 1.0061% | 3,331 |
| Net interest margin | 5.8645% | 106 |
| Noninterest income to average assets | 0.6649% | 2,811 |
| Noninterest expense to average assets | 3.4872% | 2,014 |
| Loan and lease loss provision to assets | 0.1703% | 4,511 |
| Net operating income to assets | 2.1884% | 230 |
| Return on assets (ROA) | 2.1898% | 241 |
| Pretax return on assets | 2.3043% | 294 |
| Return on Equity (ROE) | 24.3457% | 125 |
| Retained earnings to average equity (ytd only) | 16.1869% | 94 |
| Net charge-offs to loans | 0.0681% | 5,628 |
| Credit loss provision to net charge-offs | 305.2632% | 761 |
| Earnings coverage of net charge-offs (x) | 44.3421% | 619 |
| Efficiency ratio | 58.5078% | 5,985 |
| Assets per employee ($millions) | 3.5482% | 4,894 |
| Cash dividends to net income (ytd only)* | 33.5121% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,140 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 6,815 |
| Noncurrent loans to loans | 0.0554% | 6,684 |
| Net loans and leases to total assets | 83.0562% | 272 |
| Net loans and leases to deposits | 102.0641% | 373 |
| Net loans and leases to core deposits | 109.5682% | 635 |
| Total domestic deposits to total assets | 81.3765% | 5,334 |
| Equity capital to assets | 9.4400% | 4,979 |
| Core capital (leverage) ratio | 9.0817% | 4,649 |
| Tier 1 risk-based capital ratio | 10.6708% | 6,620 |
| Total risk-based capital ratio | 11.6586% | 6,704 |
| Memoranda: | ||
| Average total assets | $68,134,200 | 5,808 |
| Average earning assets | $61,522,800 | 5,820 |
| Average equity | $6,128,400 | 6,120 |
| Average total loans | $55,830,200 | 5,033 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9350% | 107 |
| Cost of funding earning assets | 1.0530% | 3,298 |
| Net interest margin | 5.8819% | 106 |
| Noninterest income to average assets | 0.5537% | 3,491 |
| Noninterest expense to average assets | 3.3478% | 2,357 |
| Loan and lease loss provision to assets | 0.1878% | 4,153 |
| Net operating income to assets | 2.1377% | 275 |
| Return on assets (ROA) | 2.1396% | 293 |
| Pretax return on assets | 2.2997% | 355 |
| Return on Equity (ROE) | 24.1011% | 160 |
| Retained earnings to average equity (ytd only) | 15.7481% | 192 |
| Net charge-offs to loans | 0.0243% | 5,805 |
| Credit loss provision to net charge-offs | 950.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 125.7284% | 294 |
| Efficiency ratio | 57.3898% | 6,095 |
| Assets per employee ($millions) | 3.2951% | 5,490 |
| Cash dividends to net income (ytd only)* | 34.6582% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 6,327 |
| Loan loss allowance to noncurrent loans | 861.9718% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 6,788 |
| Noncurrent loans to loans | 0.1146% | 6,646 |
| Net loans and leases to total assets | 84.6038% | 185 |
| Net loans and leases to deposits | 110.1392% | 176 |
| Net loans and leases to core deposits | 117.4249% | 456 |
| Total domestic deposits to total assets | 76.8154% | 6,405 |
| Equity capital to assets | 8.8575% | 5,909 |
| Core capital (leverage) ratio | 8.9218% | 5,063 |
| Tier 1 risk-based capital ratio | 9.8359% | 6,995 |
| Total risk-based capital ratio | 10.7989% | 7,045 |
| Memoranda: | ||
| Average total assets | $67,426,750 | 5,856 |
| Average earning assets | $60,522,750 | 5,890 |
| Average equity | $5,985,750 | 6,208 |
| Average total loans | $54,901,500 | 5,121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9289% | 113 |
| Cost of funding earning assets | 1.1067% | 3,189 |
| Net interest margin | 5.8222% | 106 |
| Noninterest income to average assets | 0.4989% | 3,861 |
| Noninterest expense to average assets | 3.4409% | 2,150 |
| Loan and lease loss provision to assets | 0.1460% | 4,483 |
| Net operating income to assets | 1.9258% | 387 |
| Return on assets (ROA) | 2.0019% | 358 |
| Pretax return on assets | 2.1418% | 456 |
| Return on Equity (ROE) | 22.5317% | 214 |
| Retained earnings to average equity (ytd only) | 13.9710% | 316 |
| Net charge-offs to loans | 0.0114% | 5,693 |
| Credit loss provision to net charge-offs | 1,600.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 242.3333% | 143 |
| Efficiency ratio | 60.8719% | 5,750 |
| Assets per employee ($millions) | 3.1114% | 5,852 |
| Cash dividends to net income (ytd only)* | 37.9939% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,254 |
| Loan loss allowance to noncurrent loans | 783.5616% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 6,805 |
| Noncurrent loans to loans | 0.1300% | 6,652 |
| Net loans and leases to total assets | 81.1705% | 436 |
| Net loans and leases to deposits | 100.6522% | 462 |
| Net loans and leases to core deposits | 106.3876% | 904 |
| Total domestic deposits to total assets | 80.6445% | 5,638 |
| Equity capital to assets | 8.8823% | 5,731 |
| Core capital (leverage) ratio | 9.1628% | 4,471 |
| Tier 1 risk-based capital ratio | 10.3260% | 6,859 |
| Total risk-based capital ratio | 11.3183% | 6,944 |
| Memoranda: | ||
| Average total assets | $65,738,330 | 5,966 |
| Average earning assets | $58,191,000 | 6,018 |
| Average equity | $5,840,670 | 6,275 |
| Average total loans | $52,554,330 | 5,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8983% | 127 |
| Cost of funding earning assets | 1.1615% | 3,077 |
| Net interest margin | 5.7368% | 118 |
| Noninterest income to average assets | 0.4970% | 3,918 |
| Noninterest expense to average assets | 3.4792% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9260% | 389 |
| Return on assets (ROA) | 1.9260% | 410 |
| Pretax return on assets | 2.0503% | 513 |
| Return on Equity (ROE) | 21.6745% | 258 |
| Retained earnings to average equity (ytd only) | 12.9348% | 601 |
| Net charge-offs to loans | 0.0158% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 190 |
| Efficiency ratio | 62.9213% | 5,536 |
| Assets per employee ($millions) | 2.6963% | 6,697 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 6,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 6,495 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 77.1735% | 853 |
| Net loans and leases to deposits | 90.4594% | 1,183 |
| Net loans and leases to core deposits | 91.7473% | 2,159 |
| Total domestic deposits to total assets | 85.3129% | 3,882 |
| Equity capital to assets | 8.9708% | 5,249 |
| Core capital (leverage) ratio | 8.8281% | 4,884 |
| Tier 1 risk-based capital ratio | 10.7168% | 6,680 |
| Total risk-based capital ratio | 11.6989% | 6,825 |
| Memoranda: | ||
| Average total assets | $64,382,000 | 6,052 |
| Average earning assets | $56,477,500 | 6,116 |
| Average equity | $5,721,000 | 6,332 |
| Average total loans | $50,764,500 | 5,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8452% | 188 |
| Cost of funding earning assets | 1.3089% | 3,824 |
| Net interest margin | 5.5362% | 163 |
| Noninterest income to average assets | 0.7471% | 2,555 |
| Noninterest expense to average assets | 3.6368% | 1,829 |
| Loan and lease loss provision to assets | 0.2943% | 4,444 |
| Net operating income to assets | 1.7755% | 445 |
| Return on assets (ROA) | 1.7755% | 483 |
| Pretax return on assets | 1.8499% | 687 |
| Return on Equity (ROE) | 20.9550% | 204 |
| Retained earnings to average equity (ytd only) | 12.6722% | 229 |
| Net charge-offs to loans | 0.0120% | 6,713 |
| Credit loss provision to net charge-offs | 3,033.3333% | 72 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 112 |
| Efficiency ratio | 62.9091% | 5,538 |
| Assets per employee ($millions) | 2.9115% | 6,293 |
| Cash dividends to net income (ytd only)* | 39.5264% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 6,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 6,550 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 78.8991% | 816 |
| Net loans and leases to deposits | 92.5062% | 1,203 |
| Net loans and leases to core deposits | 93.2745% | 2,345 |
| Total domestic deposits to total assets | 85.2905% | 3,720 |
| Equity capital to assets | 8.8004% | 5,432 |
| Core capital (leverage) ratio | 8.6663% | 5,080 |
| Tier 1 risk-based capital ratio | 10.5618% | 6,658 |
| Total risk-based capital ratio | 11.5677% | 6,790 |
| Memoranda: | ||
| Average total assets | $61,840,200 | 6,131 |
| Average earning assets | $56,229,400 | 6,127 |
| Average equity | $5,239,800 | 6,578 |
| Average total loans | $50,121,000 | 5,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8391% | 190 |
| Cost of funding earning assets | 1.3126% | 4,140 |
| Net interest margin | 5.5264% | 165 |
| Noninterest income to average assets | 0.6200% | 3,313 |
| Noninterest expense to average assets | 3.5548% | 1,894 |
| Loan and lease loss provision to assets | 0.3938% | 3,534 |
| Net operating income to assets | 1.6251% | 710 |
| Return on assets (ROA) | 1.6251% | 779 |
| Pretax return on assets | 1.7274% | 1,058 |
| Return on Equity (ROE) | 19.3752% | 351 |
| Retained earnings to average equity (ytd only) | 10.3749% | 705 |
| Net charge-offs to loans | 0.0187% | 6,413 |
| Credit loss provision to net charge-offs | 2,585.7143% | 117 |
| Earnings coverage of net charge-offs (x) | 139.3323% | 229 |
| Efficiency ratio | 62.6294% | 5,501 |
| Assets per employee ($millions) | 2.8905% | 6,396 |
| Cash dividends to net income (ytd only)* | 46.4527% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,415 |
| Loan loss allowance to noncurrent loans | 17,500.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 6,654 |
| Noncurrent loans to loans | 0.0057% | 7,261 |
| Net loans and leases to total assets | 82.1739% | 478 |
| Net loans and leases to deposits | 101.8516% | 539 |
| Net loans and leases to core deposits | 105.3825% | 1,370 |
| Total domestic deposits to total assets | 80.6800% | 5,484 |
| Equity capital to assets | 8.4806% | 6,299 |
| Core capital (leverage) ratio | 8.2977% | 5,874 |
| Tier 1 risk-based capital ratio | 9.9835% | 7,077 |
| Total risk-based capital ratio | 10.9781% | 7,167 |
| Memoranda: | ||
| Average total assets | $61,286,750 | 6,219 |
| Average earning assets | $56,068,500 | 6,195 |
| Average equity | $5,140,500 | 6,708 |
| Average total loans | $49,885,000 | 5,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6449% | 271 |
| Cost of funding earning assets | 1.3036% | 4,510 |
| Net interest margin | 5.3413% | 231 |
| Noninterest income to average assets | 0.5651% | 3,585 |
| Noninterest expense to average assets | 3.3411% | 2,427 |
| Loan and lease loss provision to assets | 0.5982% | 2,393 |
| Net operating income to assets | 1.3715% | 1,146 |
| Return on assets (ROA) | 1.3715% | 1,214 |
| Pretax return on assets | 1.5004% | 1,555 |
| Return on Equity (ROE) | 16.4151% | 648 |
| Retained earnings to average equity (ytd only) | 6.1309% | 2,264 |
| Net charge-offs to loans | 0.0082% | 6,245 |
| Credit loss provision to net charge-offs | 9,050.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 317.5000% | 107 |
| Efficiency ratio | 61.4216% | 5,787 |
| Assets per employee ($millions) | 2.8343% | 6,495 |
| Cash dividends to net income (ytd only)* | 62.6506% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,274 |
| Loan loss allowance to noncurrent loans | 630.9524% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 6,423 |
| Noncurrent loans to loans | 0.1631% | 6,934 |
| Net loans and leases to total assets | 81.7430% | 565 |
| Net loans and leases to deposits | 99.9627% | 729 |
| Net loans and leases to core deposits | 103.4399% | 1,690 |
| Total domestic deposits to total assets | 81.7734% | 5,080 |
| Equity capital to assets | 8.2689% | 6,463 |
| Core capital (leverage) ratio | 8.2334% | 5,888 |
| Tier 1 risk-based capital ratio | 9.9652% | 7,043 |
| Total risk-based capital ratio | 11.0141% | 7,138 |
| Memoranda: | ||
| Average total assets | $60,518,330 | 6,284 |
| Average earning assets | $55,230,000 | 6,269 |
| Average equity | $5,056,330 | 6,763 |
| Average total loans | $48,919,670 | 5,644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5626% | 323 |
| Cost of funding earning assets | 1.2962% | 4,840 |
| Net interest margin | 5.2664% | 257 |
| Noninterest income to average assets | 0.5570% | 3,590 |
| Noninterest expense to average assets | 3.3624% | 2,337 |
| Loan and lease loss provision to assets | 0.7785% | 1,621 |
| Net operating income to assets | 1.0671% | 1,944 |
| Return on assets (ROA) | 1.0671% | 2,018 |
| Pretax return on assets | 1.1879% | 2,403 |
| Return on Equity (ROE) | 12.7035% | 1,322 |
| Retained earnings to average equity (ytd only) | 9.9071% | 1,161 |
| Net charge-offs to loans | 0.0168% | 5,343 |
| Credit loss provision to net charge-offs | 5,800.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 146.5000% | 225 |
| Efficiency ratio | 63.0982% | 5,646 |
| Assets per employee ($millions) | 2.7327% | 6,797 |
| Cash dividends to net income (ytd only)* | 22.0126% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 6,610 |
| Loan loss allowance to noncurrent loans | 489.4737% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 6,360 |
| Noncurrent loans to loans | 0.1979% | 6,947 |
| Net loans and leases to total assets | 79.0665% | 969 |
| Net loans and leases to deposits | 93.4127% | 1,419 |
| Net loans and leases to core deposits | 98.0386% | 2,341 |
| Total domestic deposits to total assets | 84.6421% | 3,835 |
| Equity capital to assets | 8.4499% | 6,072 |
| Core capital (leverage) ratio | 8.5005% | 5,373 |
| Tier 1 risk-based capital ratio | 10.3693% | 6,741 |
| Total risk-based capital ratio | 11.3328% | 6,972 |
| Memoranda: | ||
| Average total assets | $59,600,500 | 6,401 |
| Average earning assets | $54,003,000 | 6,390 |
| Average equity | $5,006,500 | 6,842 |
| Average total loans | $47,629,500 | 5,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7312% | 436 |
| Cost of funding earning assets | 1.7396% | 4,311 |
| Net interest margin | 4.9916% | 459 |
| Noninterest income to average assets | 0.6425% | 3,339 |
| Noninterest expense to average assets | 3.7498% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3940% | 861 |
| Return on assets (ROA) | 1.6288% | 541 |
| Pretax return on assets | 1.7030% | 773 |
| Return on Equity (ROE) | 19.9291% | 247 |
| Retained earnings to average equity (ytd only) | 17.9362% | 53 |
| Net charge-offs to loans | 0.0467% | 6,638 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 38.6190% | 616 |
| Efficiency ratio | 71.8696% | 4,280 |
| Assets per employee ($millions) | 2.6855% | 6,878 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 7,280 |
| Loan loss allowance to noncurrent loans | 403.4483% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 6,367 |
| Noncurrent loans to loans | 0.1841% | 6,962 |
| Net loans and leases to total assets | 79.3964% | 1,119 |
| Net loans and leases to deposits | 98.8120% | 1,024 |
| Net loans and leases to core deposits | 118.3704% | 2,090 |
| Total domestic deposits to total assets | 80.3510% | 5,566 |
| Equity capital to assets | 8.3494% | 6,125 |
| Core capital (leverage) ratio | 8.4241% | 5,401 |
| Tier 1 risk-based capital ratio | 10.3075% | 6,580 |
| Total risk-based capital ratio | 11.0489% | 7,003 |
| Memoranda: | ||
| Average total assets | $55,256,800 | 6,520 |
| Average earning assets | $50,644,800 | 6,510 |
| Average equity | $4,516,000 | 7,108 |
| Average total loans | $44,952,600 | 5,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7419% | 469 |
| Cost of funding earning assets | 1.8652% | 4,075 |
| Net interest margin | 4.8767% | 582 |
| Noninterest income to average assets | 0.5672% | 3,948 |
| Noninterest expense to average assets | 3.7224% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2228% | 1,411 |
| Return on assets (ROA) | 1.5027% | 867 |
| Pretax return on assets | 1.6058% | 1,163 |
| Return on Equity (ROE) | 18.4956% | 407 |
| Retained earnings to average equity (ytd only) | 16.5313% | 114 |
| Net charge-offs to loans | -0.0270% | 7,791 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7354% | 3,909 |
| Assets per employee ($millions) | 2.6960% | 6,860 |
| Cash dividends to net income (ytd only)* | 10.6204% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 7,129 |
| Loan loss allowance to noncurrent loans | 437.9310% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 6,317 |
| Noncurrent loans to loans | 0.1820% | 7,039 |
| Net loans and leases to total assets | 83.7428% | 571 |
| Net loans and leases to deposits | 103.2919% | 823 |
| Net loans and leases to core deposits | 137.3316% | 1,042 |
| Total domestic deposits to total assets | 81.0739% | 5,051 |
| Equity capital to assets | 8.4059% | 6,376 |
| Core capital (leverage) ratio | 8.1516% | 6,101 |
| Tier 1 risk-based capital ratio | 9.4875% | 7,384 |
| Total risk-based capital ratio | 10.2704% | 7,623 |
| Memoranda: | ||
| Average total assets | $54,300,500 | 6,599 |
| Average earning assets | $49,895,500 | 6,579 |
| Average equity | $4,411,750 | 7,211 |
| Average total loans | $44,375,750 | 5,957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5543% | 725 |
| Cost of funding earning assets | 2.0217% | 3,671 |
| Net interest margin | 4.5326% | 1,093 |
| Noninterest income to average assets | 0.5193% | 4,276 |
| Noninterest expense to average assets | 3.7288% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8556% | 2,633 |
| Return on assets (ROA) | 1.2815% | 1,362 |
| Pretax return on assets | 1.3712% | 1,805 |
| Return on Equity (ROE) | 15.9683% | 704 |
| Retained earnings to average equity (ytd only) | 15.9683% | 162 |
| Net charge-offs to loans | -0.0416% | 7,823 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7762% | 3,078 |
| Assets per employee ($millions) | 2.7813% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 7,109 |
| Loan loss allowance to noncurrent loans | 381.0000% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 6,216 |
| Noncurrent loans to loans | 0.2132% | 6,982 |
| Net loans and leases to total assets | 83.6440% | 683 |
| Net loans and leases to deposits | 106.7574% | 726 |
| Net loans and leases to core deposits | 131.9466% | 1,435 |
| Total domestic deposits to total assets | 78.3497% | 5,986 |
| Equity capital to assets | 7.9569% | 6,805 |
| Core capital (leverage) ratio | 8.1847% | 6,003 |
| Tier 1 risk-based capital ratio | 9.4174% | 7,461 |
| Total risk-based capital ratio | 10.2305% | 7,729 |
| Memoranda: | ||
| Average total assets | $53,529,000 | 6,685 |
| Average earning assets | $49,067,000 | 6,668 |
| Average equity | $4,296,000 | 7,311 |
| Average total loans | $43,237,000 | 6,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3318% | 1,214 |
| Cost of funding earning assets | 2.1747% | 3,299 |
| Net interest margin | 4.1571% | 2,062 |
| Noninterest income to average assets | 0.4802% | 4,508 |
| Noninterest expense to average assets | 3.6661% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5107% | 4,367 |
| Return on assets (ROA) | 1.3795% | 1,276 |
| Pretax return on assets | 1.4710% | 1,752 |
| Return on Equity (ROE) | 17.1118% | 674 |
| Retained earnings to average equity (ytd only) | 17.1118% | 267 |
| Net charge-offs to loans | 0.0483% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,585 |
| Efficiency ratio | 85.8929% | 2,080 |
| Assets per employee ($millions) | 2.6121% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 6,798 |
| Loan loss allowance to noncurrent loans | 176.4423% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,346 |
| Noncurrent loans to loans | 0.5041% | 6,167 |
| Net loans and leases to total assets | 78.2761% | 1,755 |
| Net loans and leases to deposits | 97.1422% | 1,781 |
| Net loans and leases to core deposits | 120.5075% | 2,375 |
| Total domestic deposits to total assets | 80.5788% | 5,141 |
| Equity capital to assets | 8.4281% | 6,187 |
| Core capital (leverage) ratio | 8.1261% | 6,240 |
| Tier 1 risk-based capital ratio | 9.9313% | 7,001 |
| Total risk-based capital ratio | 10.7887% | 7,338 |
| Memoranda: | ||
| Average total assets | $52,481,000 | 6,758 |
| Average earning assets | $47,822,000 | 6,752 |
| Average equity | $4,231,000 | 7,370 |
| Average total loans | $41,401,500 | 6,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2601% | 647 |
| Cost of funding earning assets | 2.9664% | 1,999 |
| Net interest margin | 4.2937% | 1,997 |
| Noninterest income to average assets | 0.6742% | 3,299 |
| Noninterest expense to average assets | 3.7335% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7601% | 3,614 |
| Return on assets (ROA) | 0.2754% | 5,444 |
| Pretax return on assets | 0.3057% | 5,500 |
| Return on Equity (ROE) | 3.5742% | 5,006 |
| Retained earnings to average equity (ytd only) | -4.1787% | 6,356 |
| Net charge-offs to loans | 0.0758% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.3793% | 2,040 |
| Efficiency ratio | 81.5568% | 2,367 |
| Assets per employee ($millions) | 2.5105% | 7,188 |
| Cash dividends to net income (ytd only)* | 216.9118% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 6,701 |
| Loan loss allowance to noncurrent loans | 235.4430% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 5,330 |
| Noncurrent loans to loans | 0.3803% | 6,211 |
| Net loans and leases to total assets | 78.0937% | 2,111 |
| Net loans and leases to deposits | 98.5730% | 2,041 |
| Net loans and leases to core deposits | 122.5984% | 2,439 |
| Total domestic deposits to total assets | 79.2242% | 5,290 |
| Equity capital to assets | 7.6992% | 7,204 |
| Core capital (leverage) ratio | 8.0121% | 6,469 |
| Tier 1 risk-based capital ratio | 9.2961% | 7,526 |
| Total risk-based capital ratio | 10.1457% | 7,876 |
| Memoranda: | ||
| Average total assets | $49,391,200 | 6,806 |
| Average earning assets | $44,902,800 | 6,818 |
| Average equity | $3,805,000 | 7,577 |
| Average total loans | $38,278,600 | 6,256 |