Home > Hodge Bank & Trust Company > Performance and Condition Ratios
Hodge Bank & Trust Company, 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 | 5.9552% | 674 |
| Cost of funding earning assets | 1.3440% | 2,383 |
| Net interest margin | 4.6112% | 516 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.1672% | 3,207 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.8141% | 185 |
| Return on assets (ROA) | 2.8141% | 185 |
| Pretax return on assets | 2.8141% | 248 |
| Return on Equity (ROE) | 18.0700% | 807 |
| Retained earnings to average equity (ytd only) | 8.4871% | 1,397 |
| Net charge-offs to loans | 0.0112% | 2,229 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 435.5000% | 327 |
| Efficiency ratio | 43.3189% | 4,275 |
| Assets per employee ($millions) | 6.9556% | 2,101 |
| Cash dividends to net income (ytd only)* | 53.0274% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0806% | 331 |
| Loan loss allowance to noncurrent loans | 123.5417% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 505 |
| Noncurrent loans to loans | 1.6842% | 373 |
| Net loans and leases to total assets | 57.3200% | 3,096 |
| Net loans and leases to deposits | 68.3350% | 3,002 |
| Net loans and leases to core deposits | 89.1444% | 2,107 |
| Total domestic deposits to total assets | 83.8800% | 2,656 |
| Equity capital to assets | 15.6358% | 496 |
| Core capital (leverage) ratio | 16.7881% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,144,600 | 3,897 |
| Average earning assets | $88,392,800 | 3,845 |
| Average equity | $14,351,200 | 3,313 |
| Average total loans | $53,519,400 | 3,790 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 575.0000% | 39 |
| Cost of funding earning assets | 20.0000% | 32 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 2.7066% | 214 |
| Pretax return on assets | 2.7066% | 309 |
| Return on Equity (ROE) | 17.4000% | 1,024 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0059% | 2,237 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.0694% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 1,922.0000% | 8 |
| Equity capital to assets | 105,903.0000% | 7 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $8,131,000 | 4,593 |
| Average earning assets | $14,667 | 4,581 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 1,002 |
| Cost of funding earning assets | 1.0512% | 2,453 |
| Net interest margin | 4.3067% | 798 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.1774% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7947% | 174 |
| Return on assets (ROA) | 2.7947% | 172 |
| Pretax return on assets | 2.7947% | 248 |
| Return on Equity (ROE) | 17.9500% | 963 |
| Retained earnings to average equity (ytd only) | 10.0751% | 1,382 |
| Net charge-offs to loans | 0.0077% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 234 |
| Efficiency ratio | 43.7920% | 4,261 |
| Assets per employee ($millions) | 7.2673% | 1,735 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2074% | 302 |
| Loan loss allowance to noncurrent loans | 68.3811% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.8111% | 163 |
| Noncurrent loans to loans | 3.2281% | 126 |
| Net loans and leases to total assets | 54.8600% | 3,203 |
| Net loans and leases to deposits | 65.1676% | 3,115 |
| Net loans and leases to core deposits | 84.3815% | 2,190 |
| Total domestic deposits to total assets | 84.1900% | 2,780 |
| Equity capital to assets | 15.1881% | 505 |
| Core capital (leverage) ratio | 16.5091% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $89,740,000 | 3,943 |
| Average earning assets | $86,190,667 | 3,894 |
| Average equity | $13,975,000 | 3,360 |
| Average total loans | $51,819,333 | 3,835 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 1,057 |
| Cost of funding earning assets | 0.7331% | 2,951 |
| Net interest margin | 4.3940% | 690 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.2341% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4035% | 278 |
| Return on assets (ROA) | 2.4035% | 274 |
| Pretax return on assets | 2.4035% | 410 |
| Return on Equity (ROE) | 15.2300% | 1,515 |
| Retained earnings to average equity (ytd only) | 7.2527% | 2,433 |
| Net charge-offs to loans | 0.0390% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 765 |
| Efficiency ratio | 48.1737% | 4,070 |
| Assets per employee ($millions) | 7.1630% | 1,845 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2660% | 297 |
| Loan loss allowance to noncurrent loans | 57.0381% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 2.2477% | 96 |
| Noncurrent loans to loans | 3.9727% | 90 |
| Net loans and leases to total assets | 54.0500% | 3,199 |
| Net loans and leases to deposits | 64.0105% | 3,086 |
| Net loans and leases to core deposits | 83.6599% | 2,010 |
| Total domestic deposits to total assets | 84.4400% | 2,987 |
| Equity capital to assets | 15.0216% | 484 |
| Core capital (leverage) ratio | 17.7146% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $87,372,500 | 4,026 |
| Average earning assets | $83,478,000 | 3,973 |
| Average equity | $13,788,000 | 3,410 |
| Average total loans | $51,227,500 | 3,888 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 627 |
| Cost of funding earning assets | 0.2873% | 2,983 |
| Net interest margin | 4.2989% | 425 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.1178% | 3,241 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.2767% | 190 |
| Return on assets (ROA) | 2.2767% | 182 |
| Pretax return on assets | 2.2767% | 278 |
| Return on Equity (ROE) | 13.9100% | 1,556 |
| Retained earnings to average equity (ytd only) | 5.1520% | 2,982 |
| Net charge-offs to loans | -0.0084% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.5463% | 4,268 |
| Assets per employee ($millions) | 6.8022% | 2,116 |
| Cash dividends to net income (ytd only)* | 62.9591% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 266 |
| Loan loss allowance to noncurrent loans | 69.2262% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.1317% | 110 |
| Noncurrent loans to loans | 3.3226% | 121 |
| Net loans and leases to total assets | 60.9900% | 2,555 |
| Net loans and leases to deposits | 73.5647% | 2,287 |
| Net loans and leases to core deposits | 85.1629% | 1,809 |
| Total domestic deposits to total assets | 82.9000% | 3,439 |
| Equity capital to assets | 16.6467% | 352 |
| Core capital (leverage) ratio | 17.9562% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $83,718,600 | 4,083 |
| Average earning assets | $79,369,400 | 4,042 |
| Average equity | $13,703,400 | 3,502 |
| Average total loans | $47,489,600 | 3,934 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3479% | 659 |
| Cost of funding earning assets | 0.2320% | 2,907 |
| Net interest margin | 4.1159% | 500 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.0828% | 3,255 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 2.1034% | 241 |
| Return on assets (ROA) | 2.1034% | 240 |
| Pretax return on assets | 2.1034% | 377 |
| Return on Equity (ROE) | 12.9000% | 1,733 |
| Retained earnings to average equity (ytd only) | 4.8935% | 3,141 |
| Net charge-offs to loans | 0.0057% | 1,961 |
| Credit loss provision to net charge-offs | 2,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 689.5000% | 239 |
| Efficiency ratio | 48.8312% | 4,225 |
| Assets per employee ($millions) | 7.0357% | 1,914 |
| Cash dividends to net income (ytd only)* | 62.0767% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4009% | 256 |
| Loan loss allowance to noncurrent loans | 81.8246% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 174 |
| Noncurrent loans to loans | 2.9342% | 163 |
| Net loans and leases to total assets | 56.1400% | 2,891 |
| Net loans and leases to deposits | 67.3894% | 2,591 |
| Net loans and leases to core deposits | 77.5114% | 2,076 |
| Total domestic deposits to total assets | 83.3100% | 3,647 |
| Equity capital to assets | 16.0243% | 370 |
| Core capital (leverage) ratio | 17.5669% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $84,241,750 | 4,110 |
| Average earning assets | $79,882,750 | 4,065 |
| Average equity | $13,732,250 | 3,543 |
| Average total loans | $46,623,500 | 3,969 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 707 |
| Cost of funding earning assets | 0.2099% | 2,779 |
| Net interest margin | 3.9337% | 574 |
| Noninterest income to average assets | 0.3730% | 2,910 |
| Noninterest expense to average assets | 2.0860% | 3,190 |
| Loan and lease loss provision to assets | 0.1188% | 843 |
| Net operating income to assets | 1.9078% | 269 |
| Return on assets (ROA) | 1.9078% | 269 |
| Pretax return on assets | 1.9078% | 461 |
| Return on Equity (ROE) | 11.6377% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.6667% | 3,215 |
| Net charge-offs to loans | -0.0305% | 4,039 |
| Credit loss provision to net charge-offs | -714.2857% | 3,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7221% | 4,206 |
| Assets per employee ($millions) | 7.5904% | 1,558 |
| Cash dividends to net income (ytd only)* | 68.4932% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 263 |
| Loan loss allowance to noncurrent loans | 72.3968% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 147 |
| Noncurrent loans to loans | 3.4559% | 131 |
| Net loans and leases to total assets | 54.8399% | 2,878 |
| Net loans and leases to deposits | 65.8991% | 2,550 |
| Net loans and leases to core deposits | 75.7967% | 2,034 |
| Total domestic deposits to total assets | 83.2180% | 3,834 |
| Equity capital to assets | 16.1952% | 320 |
| Core capital (leverage) ratio | 16.9001% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,179,667 | 4,150 |
| Average earning assets | $80,025,667 | 4,121 |
| Average equity | $13,800,000 | 3,603 |
| Average total loans | $45,976,333 | 4,028 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 1,002 |
| Cost of funding earning assets | 0.2141% | 2,611 |
| Net interest margin | 3.6340% | 843 |
| Noninterest income to average assets | 0.3549% | 2,966 |
| Noninterest expense to average assets | 2.0634% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7463% | 366 |
| Return on assets (ROA) | 1.7463% | 370 |
| Pretax return on assets | 1.7463% | 624 |
| Return on Equity (ROE) | 10.5890% | 1,760 |
| Retained earnings to average equity (ytd only) | 2.6975% | 3,365 |
| Net charge-offs to loans | -0.0088% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1615% | 4,042 |
| Assets per employee ($millions) | 7.0212% | 1,979 |
| Cash dividends to net income (ytd only)* | 74.5257% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4611% | 298 |
| Loan loss allowance to noncurrent loans | 57.6804% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3026% | 111 |
| Noncurrent loans to loans | 4.2667% | 84 |
| Net loans and leases to total assets | 52.6373% | 2,924 |
| Net loans and leases to deposits | 63.3060% | 2,588 |
| Net loans and leases to core deposits | 72.6914% | 2,052 |
| Total domestic deposits to total assets | 83.1474% | 3,925 |
| Equity capital to assets | 16.2271% | 304 |
| Core capital (leverage) ratio | 16.9821% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,522,500 | 4,165 |
| Average earning assets | $80,353,000 | 4,135 |
| Average equity | $13,939,000 | 3,665 |
| Average total loans | $45,483,000 | 4,048 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 1,516 |
| Cost of funding earning assets | 0.3075% | 2,330 |
| Net interest margin | 3.6330% | 1,383 |
| Noninterest income to average assets | 0.4179% | 2,960 |
| Noninterest expense to average assets | 1.9691% | 3,769 |
| Loan and lease loss provision to assets | 0.2976% | 275 |
| Net operating income to assets | 1.5977% | 815 |
| Return on assets (ROA) | 1.5977% | 847 |
| Pretax return on assets | 1.5977% | 1,428 |
| Return on Equity (ROE) | 9.5223% | 2,712 |
| Retained earnings to average equity (ytd only) | 1.7171% | 4,065 |
| Net charge-offs to loans | -0.0413% | 4,235 |
| Credit loss provision to net charge-offs | -1,315.7895% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9550% | 4,208 |
| Assets per employee ($millions) | 7.7083% | 1,491 |
| Cash dividends to net income (ytd only)* | 81.9672% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4573% | 299 |
| Loan loss allowance to noncurrent loans | 54.6432% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.4130% | 112 |
| Noncurrent loans to loans | 4.4969% | 87 |
| Net loans and leases to total assets | 52.3405% | 3,021 |
| Net loans and leases to deposits | 63.3303% | 2,749 |
| Net loans and leases to core deposits | 72.6933% | 2,191 |
| Total domestic deposits to total assets | 82.6467% | 3,873 |
| Equity capital to assets | 16.7541% | 311 |
| Core capital (leverage) ratio | 16.7340% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,997,200 | 4,165 |
| Average earning assets | $79,686,400 | 4,136 |
| Average equity | $14,093,200 | 3,735 |
| Average total loans | $46,050,000 | 4,070 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 1,639 |
| Cost of funding earning assets | 0.3180% | 2,420 |
| Net interest margin | 3.6324% | 1,516 |
| Noninterest income to average assets | 0.4216% | 2,972 |
| Noninterest expense to average assets | 1.9936% | 3,696 |
| Loan and lease loss provision to assets | 0.3974% | 161 |
| Net operating income to assets | 1.4829% | 1,313 |
| Return on assets (ROA) | 1.4829% | 1,361 |
| Pretax return on assets | 1.4829% | 2,041 |
| Return on Equity (ROE) | 8.8349% | 3,156 |
| Retained earnings to average equity (ytd only) | 1.0143% | 4,411 |
| Net charge-offs to loans | 0.2858% | 281 |
| Credit loss provision to net charge-offs | 252.5253% | 1,091 |
| Earnings coverage of net charge-offs (x) | 11.9394% | 1,976 |
| Efficiency ratio | 51.4579% | 4,078 |
| Assets per employee ($millions) | 7.7971% | 1,381 |
| Cash dividends to net income (ytd only)* | 88.5193% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1310% | 510 |
| Loan loss allowance to noncurrent loans | 48.2393% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.4170% | 129 |
| Noncurrent loans to loans | 4.4176% | 99 |
| Net loans and leases to total assets | 53.5468% | 3,021 |
| Net loans and leases to deposits | 64.7538% | 2,761 |
| Net loans and leases to core deposits | 74.1687% | 2,217 |
| Total domestic deposits to total assets | 82.6928% | 3,778 |
| Equity capital to assets | 16.5260% | 366 |
| Core capital (leverage) ratio | 16.7503% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,798,750 | 4,217 |
| Average earning assets | $79,651,000 | 4,187 |
| Average equity | $14,065,000 | 3,782 |
| Average total loans | $46,188,000 | 4,129 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 2,051 |
| Cost of funding earning assets | 0.3328% | 2,466 |
| Net interest margin | 3.4746% | 1,934 |
| Noninterest income to average assets | 0.4186% | 3,013 |
| Noninterest expense to average assets | 1.9845% | 3,747 |
| Loan and lease loss provision to assets | 0.5052% | 107 |
| Net operating income to assets | 1.2437% | 2,046 |
| Return on assets (ROA) | 1.2437% | 2,105 |
| Pretax return on assets | 1.2437% | 2,791 |
| Return on Equity (ROE) | 7.3706% | 3,561 |
| Retained earnings to average equity (ytd only) | -0.4705% | 4,561 |
| Net charge-offs to loans | 0.5050% | 159 |
| Credit loss provision to net charge-offs | 181.0345% | 1,085 |
| Earnings coverage of net charge-offs (x) | 6.2672% | 1,965 |
| Efficiency ratio | 53.1572% | 3,910 |
| Assets per employee ($millions) | 6.4439% | 2,206 |
| Cash dividends to net income (ytd only)* | 106.3830% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 571 |
| Loan loss allowance to noncurrent loans | 40.7168% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.7647% | 110 |
| Noncurrent loans to loans | 4.9960% | 84 |
| Net loans and leases to total assets | 54.2121% | 3,109 |
| Net loans and leases to deposits | 65.6946% | 2,852 |
| Net loans and leases to core deposits | 76.1571% | 2,224 |
| Total domestic deposits to total assets | 82.5214% | 3,814 |
| Equity capital to assets | 16.7528% | 342 |
| Core capital (leverage) ratio | 16.5319% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,142,333 | 4,250 |
| Average earning assets | $79,317,667 | 4,216 |
| Average equity | $14,028,667 | 3,787 |
| Average total loans | $45,942,000 | 4,153 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 1,710 |
| Cost of funding earning assets | 0.3498% | 2,517 |
| Net interest margin | 3.5991% | 1,593 |
| Noninterest income to average assets | 0.4395% | 2,872 |
| Noninterest expense to average assets | 1.8979% | 3,987 |
| Loan and lease loss provision to assets | 1.0141% | 39 |
| Net operating income to assets | 0.9562% | 2,950 |
| Return on assets (ROA) | 0.9562% | 3,044 |
| Pretax return on assets | 0.9562% | 3,483 |
| Return on Equity (ROE) | 5.6467% | 3,960 |
| Retained earnings to average equity (ytd only) | -2.1959% | 4,553 |
| Net charge-offs to loans | 1.3207% | 53 |
| Credit loss provision to net charge-offs | 139.0728% | 1,006 |
| Earnings coverage of net charge-offs (x) | 2.7020% | 1,798 |
| Efficiency ratio | 49.0637% | 4,260 |
| Assets per employee ($millions) | 7.0393% | 1,782 |
| Cash dividends to net income (ytd only)* | 138.8889% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 592 |
| Loan loss allowance to noncurrent loans | 45.0174% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.3878% | 179 |
| Noncurrent loans to loans | 4.4618% | 110 |
| Net loans and leases to total assets | 52.4410% | 3,398 |
| Net loans and leases to deposits | 63.3625% | 3,182 |
| Net loans and leases to core deposits | 73.2562% | 2,584 |
| Total domestic deposits to total assets | 82.7635% | 3,748 |
| Equity capital to assets | 16.5475% | 347 |
| Core capital (leverage) ratio | 16.9478% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,828,000 | 4,270 |
| Average earning assets | $78,909,500 | 4,235 |
| Average equity | $14,026,000 | 3,794 |
| Average total loans | $45,734,500 | 4,174 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 511 |
| Cost of funding earning assets | 0.5589% | 2,563 |
| Net interest margin | 4.4173% | 387 |
| Noninterest income to average assets | 0.4264% | 2,986 |
| Noninterest expense to average assets | 2.2296% | 3,596 |
| Loan and lease loss provision to assets | 0.3155% | 1,181 |
| Net operating income to assets | 2.0236% | 251 |
| Return on assets (ROA) | 2.0236% | 266 |
| Pretax return on assets | 2.0236% | 438 |
| Return on Equity (ROE) | 11.1756% | 1,568 |
| Retained earnings to average equity (ytd only) | 3.2547% | 3,200 |
| Net charge-offs to loans | 0.8874% | 155 |
| Credit loss provision to net charge-offs | 57.2104% | 3,099 |
| Earnings coverage of net charge-offs (x) | 4.2411% | 3,008 |
| Efficiency ratio | 48.8014% | 4,594 |
| Assets per employee ($millions) | 5.4123% | 2,940 |
| Cash dividends to net income (ytd only)* | 70.8763% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 805 |
| Loan loss allowance to noncurrent loans | 42.4712% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.4623% | 186 |
| Noncurrent loans to loans | 4.3209% | 119 |
| Net loans and leases to total assets | 55.9396% | 3,309 |
| Net loans and leases to deposits | 68.2199% | 3,057 |
| Net loans and leases to core deposits | 79.8305% | 2,382 |
| Total domestic deposits to total assets | 81.9989% | 3,662 |
| Equity capital to assets | 17.3359% | 314 |
| Core capital (leverage) ratio | 17.2151% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0346% | 163 |
| Memoranda: | ||
| Average total assets | $76,696,400 | 4,282 |
| Average earning assets | $71,921,400 | 4,269 |
| Average equity | $13,887,400 | 3,773 |
| Average total loans | $47,668,000 | 4,150 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 466 |
| Cost of funding earning assets | 0.6025% | 2,598 |
| Net interest margin | 4.5347% | 347 |
| Noninterest income to average assets | 0.4252% | 2,957 |
| Noninterest expense to average assets | 2.2441% | 3,563 |
| Loan and lease loss provision to assets | 0.2289% | 1,773 |
| Net operating income to assets | 2.1876% | 208 |
| Return on assets (ROA) | 2.1876% | 227 |
| Pretax return on assets | 2.1876% | 350 |
| Return on Equity (ROE) | 11.9451% | 1,384 |
| Retained earnings to average equity (ytd only) | 3.9978% | 3,048 |
| Net charge-offs to loans | 0.8274% | 162 |
| Credit loss provision to net charge-offs | 43.6242% | 2,910 |
| Earnings coverage of net charge-offs (x) | 4.5973% | 2,805 |
| Efficiency ratio | 33.9516% | 4,971 |
| Assets per employee ($millions) | 5.7671% | 2,484 |
| Cash dividends to net income (ytd only)* | 66.5323% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 774 |
| Loan loss allowance to noncurrent loans | 70.8882% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.5061% | 564 |
| Noncurrent loans to loans | 2.4977% | 422 |
| Net loans and leases to total assets | 59.2309% | 3,300 |
| Net loans and leases to deposits | 72.4745% | 3,087 |
| Net loans and leases to core deposits | 84.4899% | 2,427 |
| Total domestic deposits to total assets | 81.7265% | 3,486 |
| Equity capital to assets | 17.2987% | 346 |
| Core capital (leverage) ratio | 17.3757% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9134% | 217 |
| Memoranda: | ||
| Average total assets | $75,574,500 | 4,310 |
| Average earning assets | $70,594,250 | 4,299 |
| Average equity | $13,840,750 | 3,779 |
| Average total loans | $48,019,250 | 4,165 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 511 |
| Cost of funding earning assets | 0.6419% | 2,747 |
| Net interest margin | 4.6169% | 402 |
| Noninterest income to average assets | 0.4550% | 2,788 |
| Noninterest expense to average assets | 2.2802% | 3,574 |
| Loan and lease loss provision to assets | 0.3466% | 1,222 |
| Net operating income to assets | 2.1719% | 231 |
| Return on assets (ROA) | 2.1719% | 253 |
| Pretax return on assets | 2.1719% | 375 |
| Return on Equity (ROE) | 11.6243% | 1,444 |
| Retained earnings to average equity (ytd only) | 3.6525% | 3,094 |
| Net charge-offs to loans | 1.2637% | 104 |
| Credit loss provision to net charge-offs | 42.3841% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.0795% | 2,711 |
| Efficiency ratio | 47.5169% | 4,656 |
| Assets per employee ($millions) | 5.4549% | 2,686 |
| Cash dividends to net income (ytd only)* | 68.5786% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 644 |
| Loan loss allowance to noncurrent loans | 46.1456% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.4290% | 235 |
| Noncurrent loans to loans | 3.9151% | 174 |
| Net loans and leases to total assets | 60.9221% | 3,228 |
| Net loans and leases to deposits | 75.3783% | 2,932 |
| Net loans and leases to core deposits | 88.4035% | 2,209 |
| Total domestic deposits to total assets | 80.8218% | 3,651 |
| Equity capital to assets | 18.2197% | 287 |
| Core capital (leverage) ratio | 18.2284% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3310% | 210 |
| Memoranda: | ||
| Average total assets | $73,852,667 | 4,338 |
| Average earning assets | $69,484,333 | 4,324 |
| Average equity | $13,798,667 | 3,789 |
| Average total loans | $47,797,333 | 4,179 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 324 |
| Cost of funding earning assets | 0.7000% | 2,927 |
| Net interest margin | 4.8653% | 244 |
| Noninterest income to average assets | 0.5069% | 2,519 |
| Noninterest expense to average assets | 2.2205% | 3,958 |
| Loan and lease loss provision to assets | 0.4133% | 736 |
| Net operating income to assets | 2.4685% | 115 |
| Return on assets (ROA) | 2.4685% | 123 |
| Pretax return on assets | 2.4685% | 175 |
| Return on Equity (ROE) | 13.0413% | 875 |
| Retained earnings to average equity (ytd only) | 5.0360% | 2,265 |
| Net charge-offs to loans | 1.4415% | 100 |
| Credit loss provision to net charge-offs | 43.3526% | 2,083 |
| Earnings coverage of net charge-offs (x) | 3.0231% | 2,239 |
| Efficiency ratio | 43.5205% | 4,896 |
| Assets per employee ($millions) | 4.9177% | 2,731 |
| Cash dividends to net income (ytd only)* | 61.3839% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 516 |
| Loan loss allowance to noncurrent loans | 83.7376% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 702 |
| Noncurrent loans to loans | 2.3633% | 526 |
| Net loans and leases to total assets | 62.5817% | 3,240 |
| Net loans and leases to deposits | 77.9468% | 2,893 |
| Net loans and leases to core deposits | 92.0023% | 2,154 |
| Total domestic deposits to total assets | 80.2877% | 3,802 |
| Equity capital to assets | 18.7688% | 305 |
| Core capital (leverage) ratio | 18.9686% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1929% | 208 |
| Memoranda: | ||
| Average total assets | $72,595,000 | 4,366 |
| Average earning assets | $68,567,500 | 4,341 |
| Average equity | $13,741,000 | 3,805 |
| Average total loans | $48,005,500 | 4,190 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8695% | 280 |
| Cost of funding earning assets | 0.6810% | 3,257 |
| Net interest margin | 5.1885% | 198 |
| Noninterest income to average assets | 0.5613% | 2,413 |
| Noninterest expense to average assets | 2.3454% | 3,831 |
| Loan and lease loss provision to assets | 0.2539% | 713 |
| Net operating income to assets | 2.8616% | 89 |
| Return on assets (ROA) | 2.8616% | 92 |
| Pretax return on assets | 2.8616% | 111 |
| Return on Equity (ROE) | 15.2729% | 639 |
| Retained earnings to average equity (ytd only) | 5.7810% | 1,985 |
| Net charge-offs to loans | 0.5504% | 334 |
| Credit loss provision to net charge-offs | 64.0569% | 2,988 |
| Earnings coverage of net charge-offs (x) | 7.8612% | 2,835 |
| Efficiency ratio | 42.9494% | 5,010 |
| Assets per employee ($millions) | 4.7616% | 2,879 |
| Cash dividends to net income (ytd only)* | 62.1488% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 391 |
| Loan loss allowance to noncurrent loans | 73.3618% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 403 |
| Noncurrent loans to loans | 2.8703% | 339 |
| Net loans and leases to total assets | 67.0433% | 2,821 |
| Net loans and leases to deposits | 83.8235% | 2,353 |
| Net loans and leases to core deposits | 97.5632% | 1,765 |
| Total domestic deposits to total assets | 79.9815% | 3,980 |
| Equity capital to assets | 19.0930% | 292 |
| Core capital (leverage) ratio | 19.0487% | 276 |
| Tier 1 risk-based capital ratio | 31.8438% | 422 |
| Total risk-based capital ratio | 33.1075% | 413 |
| Memoranda: | ||
| Average total assets | $70,905,400 | 4,416 |
| Average earning assets | $66,956,000 | 4,393 |
| Average equity | $13,285,000 | 3,859 |
| Average total loans | $51,052,400 | 4,159 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 321 |
| Cost of funding earning assets | 0.6636% | 3,379 |
| Net interest margin | 5.1787% | 204 |
| Noninterest income to average assets | 0.5463% | 2,481 |
| Noninterest expense to average assets | 2.3077% | 3,930 |
| Loan and lease loss provision to assets | 0.1130% | 1,728 |
| Net operating income to assets | 3.0066% | 85 |
| Return on assets (ROA) | 3.0066% | 89 |
| Pretax return on assets | 3.0066% | 116 |
| Return on Equity (ROE) | 16.1245% | 589 |
| Retained earnings to average equity (ytd only) | 7.7894% | 1,493 |
| Net charge-offs to loans | -0.0052% | 4,215 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5200% | 5,063 |
| Assets per employee ($millions) | 4.7243% | 2,878 |
| Cash dividends to net income (ytd only)* | 51.6915% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3792% | 259 |
| Loan loss allowance to noncurrent loans | 62.2977% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 2.7023% | 226 |
| Noncurrent loans to loans | 3.8192% | 191 |
| Net loans and leases to total assets | 69.0736% | 2,612 |
| Net loans and leases to deposits | 86.9015% | 2,077 |
| Net loans and leases to core deposits | 100.8011% | 1,597 |
| Total domestic deposits to total assets | 79.4849% | 4,091 |
| Equity capital to assets | 19.2394% | 292 |
| Core capital (leverage) ratio | 19.1514% | 284 |
| Tier 1 risk-based capital ratio | 31.0493% | 451 |
| Total risk-based capital ratio | 32.3177% | 446 |
| Memoranda: | ||
| Average total assets | $70,775,750 | 4,470 |
| Average earning assets | $66,707,750 | 4,445 |
| Average equity | $13,197,000 | 3,907 |
| Average total loans | $51,586,750 | 4,200 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 336 |
| Cost of funding earning assets | 0.6298% | 3,509 |
| Net interest margin | 5.1733% | 207 |
| Noninterest income to average assets | 0.5173% | 2,580 |
| Noninterest expense to average assets | 2.2701% | 4,081 |
| Loan and lease loss provision to assets | 0.0989% | 1,889 |
| Net operating income to assets | 3.0249% | 84 |
| Return on assets (ROA) | 3.0249% | 89 |
| Pretax return on assets | 3.0249% | 120 |
| Return on Equity (ROE) | 16.3968% | 532 |
| Retained earnings to average equity (ytd only) | 7.9685% | 1,410 |
| Net charge-offs to loans | -0.0768% | 4,951 |
| Credit loss provision to net charge-offs | -175.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0860% | 5,114 |
| Assets per employee ($millions) | 4.7611% | 2,791 |
| Cash dividends to net income (ytd only)* | 51.4019% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3012% | 296 |
| Loan loss allowance to noncurrent loans | 74.8737% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 2.2180% | 377 |
| Noncurrent loans to loans | 3.0734% | 323 |
| Net loans and leases to total assets | 70.5056% | 2,456 |
| Net loans and leases to deposits | 88.0359% | 2,005 |
| Net loans and leases to core deposits | 101.7849% | 1,576 |
| Total domestic deposits to total assets | 80.0874% | 4,023 |
| Equity capital to assets | 18.7462% | 310 |
| Core capital (leverage) ratio | 18.7714% | 294 |
| Tier 1 risk-based capital ratio | 29.7171% | 488 |
| Total risk-based capital ratio | 30.9849% | 483 |
| Memoranda: | ||
| Average total assets | $70,746,000 | 4,507 |
| Average earning assets | $66,688,000 | 4,485 |
| Average equity | $13,051,330 | 3,928 |
| Average total loans | $52,068,330 | 4,216 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8229% | 301 |
| Cost of funding earning assets | 0.5889% | 3,632 |
| Net interest margin | 5.2340% | 189 |
| Noninterest income to average assets | 0.4942% | 2,588 |
| Noninterest expense to average assets | 2.2213% | 4,211 |
| Loan and lease loss provision to assets | 0.1988% | 809 |
| Net operating income to assets | 3.0223% | 83 |
| Return on assets (ROA) | 3.0223% | 90 |
| Pretax return on assets | 3.0223% | 126 |
| Return on Equity (ROE) | 16.5179% | 528 |
| Retained earnings to average equity (ytd only) | 7.9795% | 1,670 |
| Net charge-offs to loans | -0.1070% | 5,042 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8142% | 5,192 |
| Assets per employee ($millions) | 5.1166% | 2,381 |
| Cash dividends to net income (ytd only)* | 51.6917% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 317 |
| Loan loss allowance to noncurrent loans | 84.3460% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.9530% | 517 |
| Noncurrent loans to loans | 2.6927% | 451 |
| Net loans and leases to total assets | 70.8821% | 2,346 |
| Net loans and leases to deposits | 87.8263% | 1,898 |
| Net loans and leases to core deposits | 101.1313% | 1,527 |
| Total domestic deposits to total assets | 80.7072% | 4,019 |
| Equity capital to assets | 18.2234% | 332 |
| Core capital (leverage) ratio | 18.5721% | 301 |
| Tier 1 risk-based capital ratio | 28.8051% | 520 |
| Total risk-based capital ratio | 30.0718% | 512 |
| Memoranda: | ||
| Average total assets | $70,410,500 | 4,563 |
| Average earning assets | $66,564,500 | 4,536 |
| Average equity | $12,883,000 | 3,965 |
| Average total loans | $52,333,000 | 4,257 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7198% | 271 |
| Cost of funding earning assets | 0.3981% | 3,996 |
| Net interest margin | 5.3217% | 153 |
| Noninterest income to average assets | 0.5816% | 2,393 |
| Noninterest expense to average assets | 2.2890% | 4,149 |
| Loan and lease loss provision to assets | 0.2269% | 784 |
| Net operating income to assets | 3.0760% | 73 |
| Return on assets (ROA) | 3.0760% | 73 |
| Pretax return on assets | 3.0760% | 89 |
| Return on Equity (ROE) | 17.3222% | 462 |
| Retained earnings to average equity (ytd only) | 7.1246% | 1,615 |
| Net charge-offs to loans | 0.1122% | 1,627 |
| Credit loss provision to net charge-offs | 272.4138% | 1,105 |
| Earnings coverage of net charge-offs (x) | 39.6552% | 1,319 |
| Efficiency ratio | 40.9348% | 5,267 |
| Assets per employee ($millions) | 4.9420% | 2,569 |
| Cash dividends to net income (ytd only)* | 58.8702% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 371 |
| Loan loss allowance to noncurrent loans | 80.7281% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0249% | 469 |
| Noncurrent loans to loans | 2.6579% | 437 |
| Net loans and leases to total assets | 74.5505% | 1,829 |
| Net loans and leases to deposits | 92.5202% | 1,468 |
| Net loans and leases to core deposits | 104.3939% | 1,383 |
| Total domestic deposits to total assets | 80.5776% | 3,980 |
| Equity capital to assets | 18.3731% | 314 |
| Core capital (leverage) ratio | 18.5874% | 286 |
| Tier 1 risk-based capital ratio | 27.9859% | 562 |
| Total risk-based capital ratio | 29.2499% | 552 |
| Memoranda: | ||
| Average total assets | $69,636,400 | 4,587 |
| Average earning assets | $65,562,200 | 4,567 |
| Average equity | $12,365,600 | 3,979 |
| Average total loans | $51,686,000 | 4,280 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6743% | 268 |
| Cost of funding earning assets | 0.3803% | 3,994 |
| Net interest margin | 5.2940% | 149 |
| Noninterest income to average assets | 0.5677% | 2,483 |
| Noninterest expense to average assets | 2.2863% | 4,133 |
| Loan and lease loss provision to assets | 0.1720% | 1,076 |
| Net operating income to assets | 3.0853% | 75 |
| Return on assets (ROA) | 3.0853% | 75 |
| Pretax return on assets | 3.0853% | 107 |
| Return on Equity (ROE) | 17.5254% | 480 |
| Retained earnings to average equity (ytd only) | 10.1960% | 858 |
| Net charge-offs to loans | -0.0311% | 4,766 |
| Credit loss provision to net charge-offs | -750.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2414% | 5,299 |
| Assets per employee ($millions) | 4.9620% | 2,516 |
| Cash dividends to net income (ytd only)* | 41.8216% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 386 |
| Loan loss allowance to noncurrent loans | 95.6118% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 719 |
| Noncurrent loans to loans | 2.2588% | 615 |
| Net loans and leases to total assets | 73.8873% | 2,005 |
| Net loans and leases to deposits | 91.9824% | 1,629 |
| Net loans and leases to core deposits | 103.7390% | 1,471 |
| Total domestic deposits to total assets | 80.3276% | 4,034 |
| Equity capital to assets | 18.3077% | 313 |
| Core capital (leverage) ratio | 18.7189% | 282 |
| Tier 1 risk-based capital ratio | 28.1801% | 559 |
| Total risk-based capital ratio | 29.4450% | 549 |
| Memoranda: | ||
| Average total assets | $69,748,500 | 4,632 |
| Average earning assets | $65,557,250 | 4,612 |
| Average equity | $12,279,000 | 4,029 |
| Average total loans | $51,429,750 | 4,331 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 284 |
| Cost of funding earning assets | 0.3673% | 3,959 |
| Net interest margin | 5.2151% | 162 |
| Noninterest income to average assets | 0.5670% | 2,491 |
| Noninterest expense to average assets | 2.2250% | 4,313 |
| Loan and lease loss provision to assets | 0.1718% | 1,068 |
| Net operating income to assets | 3.0898% | 76 |
| Return on assets (ROA) | 3.0898% | 76 |
| Pretax return on assets | 3.0898% | 104 |
| Return on Equity (ROE) | 17.7867% | 439 |
| Retained earnings to average equity (ytd only) | 10.3687% | 822 |
| Net charge-offs to loans | -0.1253% | 5,224 |
| Credit loss provision to net charge-offs | -187.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5532% | 5,387 |
| Assets per employee ($millions) | 4.6361% | 2,910 |
| Cash dividends to net income (ytd only)* | 41.7053% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 404 |
| Loan loss allowance to noncurrent loans | 103.5023% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 838 |
| Noncurrent loans to loans | 2.0848% | 696 |
| Net loans and leases to total assets | 73.2244% | 2,087 |
| Net loans and leases to deposits | 90.5262% | 1,778 |
| Net loans and leases to core deposits | 102.0073% | 1,562 |
| Total domestic deposits to total assets | 80.8875% | 4,025 |
| Equity capital to assets | 17.8542% | 337 |
| Core capital (leverage) ratio | 17.8094% | 326 |
| Tier 1 risk-based capital ratio | 28.0214% | 558 |
| Total risk-based capital ratio | 29.2855% | 550 |
| Memoranda: | ||
| Average total assets | $69,842,000 | 4,686 |
| Average earning assets | $65,885,330 | 4,659 |
| Average equity | $12,132,670 | 4,067 |
| Average total loans | $51,086,000 | 4,375 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 282 |
| Cost of funding earning assets | 0.3518% | 3,978 |
| Net interest margin | 5.1311% | 180 |
| Noninterest income to average assets | 0.6058% | 2,229 |
| Noninterest expense to average assets | 2.0516% | 4,754 |
| Loan and lease loss provision to assets | 0.2572% | 568 |
| Net operating income to assets | 3.1318% | 77 |
| Return on assets (ROA) | 3.1318% | 78 |
| Pretax return on assets | 3.1318% | 102 |
| Return on Equity (ROE) | 18.2804% | 383 |
| Retained earnings to average equity (ytd only) | 10.7747% | 948 |
| Net charge-offs to loans | 0.0079% | 2,451 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 105 |
| Efficiency ratio | 37.7101% | 5,490 |
| Assets per employee ($millions) | 4.7813% | 2,755 |
| Cash dividends to net income (ytd only)* | 41.0584% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1219% | 440 |
| Loan loss allowance to noncurrent loans | 86.8336% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 730 |
| Noncurrent loans to loans | 2.4436% | 564 |
| Net loans and leases to total assets | 69.1421% | 2,609 |
| Net loans and leases to deposits | 84.3620% | 2,353 |
| Net loans and leases to core deposits | 93.8136% | 2,155 |
| Total domestic deposits to total assets | 81.9588% | 3,977 |
| Equity capital to assets | 16.8965% | 407 |
| Core capital (leverage) ratio | 17.4905% | 345 |
| Tier 1 risk-based capital ratio | 27.6254% | 580 |
| Total risk-based capital ratio | 28.8892% | 569 |
| Memoranda: | ||
| Average total assets | $69,992,500 | 4,738 |
| Average earning assets | $65,950,500 | 4,715 |
| Average equity | $11,991,000 | 4,122 |
| Average total loans | $50,607,000 | 4,429 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 314 |
| Cost of funding earning assets | 0.3148% | 4,000 |
| Net interest margin | 5.0773% | 207 |
| Noninterest income to average assets | 0.5490% | 2,724 |
| Noninterest expense to average assets | 2.4617% | 3,907 |
| Loan and lease loss provision to assets | 0.6390% | 195 |
| Net operating income to assets | 2.2264% | 186 |
| Return on assets (ROA) | 2.2264% | 186 |
| Pretax return on assets | 2.2264% | 303 |
| Return on Equity (ROE) | 13.0686% | 939 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,080 |
| Net charge-offs to loans | 0.8954% | 217 |
| Credit loss provision to net charge-offs | 99.0991% | 2,623 |
| Earnings coverage of net charge-offs (x) | 4.4437% | 3,468 |
| Efficiency ratio | 46.2105% | 5,391 |
| Assets per employee ($millions) | 4.5511% | 3,109 |
| Cash dividends to net income (ytd only)* | 72.2114% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 500 |
| Loan loss allowance to noncurrent loans | 114.9387% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 1,101 |
| Noncurrent loans to loans | 1.7744% | 903 |
| Net loans and leases to total assets | 72.5398% | 2,153 |
| Net loans and leases to deposits | 88.9911% | 1,894 |
| Net loans and leases to core deposits | 99.5877% | 1,745 |
| Total domestic deposits to total assets | 81.5135% | 3,994 |
| Equity capital to assets | 17.3791% | 365 |
| Core capital (leverage) ratio | 17.2723% | 352 |
| Tier 1 risk-based capital ratio | 27.5313% | 567 |
| Total risk-based capital ratio | 28.7949% | 556 |
| Memoranda: | ||
| Average total assets | $68,856,200 | 4,797 |
| Average earning assets | $64,798,800 | 4,769 |
| Average equity | $11,730,400 | 4,181 |
| Average total loans | $49,585,000 | 4,469 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3483% | 320 |
| Cost of funding earning assets | 0.3008% | 4,125 |
| Net interest margin | 5.0475% | 208 |
| Noninterest income to average assets | 0.5333% | 2,820 |
| Noninterest expense to average assets | 2.4365% | 3,926 |
| Loan and lease loss provision to assets | 0.6859% | 163 |
| Net operating income to assets | 2.1448% | 242 |
| Return on assets (ROA) | 2.1448% | 244 |
| Pretax return on assets | 2.1448% | 411 |
| Return on Equity (ROE) | 12.6525% | 1,137 |
| Retained earnings to average equity (ytd only) | 4.9812% | 2,898 |
| Net charge-offs to loans | 1.2565% | 133 |
| Credit loss provision to net charge-offs | 76.3441% | 2,631 |
| Earnings coverage of net charge-offs (x) | 3.1506% | 3,372 |
| Efficiency ratio | 46.2583% | 5,412 |
| Assets per employee ($millions) | 4.7191% | 2,808 |
| Cash dividends to net income (ytd only)* | 60.6307% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 780 |
| Loan loss allowance to noncurrent loans | 102.6637% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 1,269 |
| Noncurrent loans to loans | 1.7994% | 995 |
| Net loans and leases to total assets | 69.4308% | 2,643 |
| Net loans and leases to deposits | 84.9650% | 2,440 |
| Net loans and leases to core deposits | 94.6337% | 2,209 |
| Total domestic deposits to total assets | 81.7170% | 3,863 |
| Equity capital to assets | 16.9042% | 440 |
| Core capital (leverage) ratio | 17.2090% | 364 |
| Tier 1 risk-based capital ratio | 27.3359% | 601 |
| Total risk-based capital ratio | 28.5962% | 593 |
| Memoranda: | ||
| Average total assets | $69,003,750 | 4,841 |
| Average earning assets | $64,717,000 | 4,820 |
| Average equity | $11,697,000 | 4,233 |
| Average total loans | $49,343,500 | 4,518 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 371 |
| Cost of funding earning assets | 0.2898% | 4,189 |
| Net interest margin | 4.9390% | 245 |
| Noninterest income to average assets | 0.5292% | 2,833 |
| Noninterest expense to average assets | 2.4324% | 3,965 |
| Loan and lease loss provision to assets | 0.7309% | 145 |
| Net operating income to assets | 1.9997% | 309 |
| Return on assets (ROA) | 1.9997% | 314 |
| Pretax return on assets | 1.9997% | 528 |
| Return on Equity (ROE) | 11.7857% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.0492% | 3,299 |
| Net charge-offs to loans | 1.9307% | 88 |
| Credit loss provision to net charge-offs | 52.7426% | 2,535 |
| Earnings coverage of net charge-offs (x) | 1.9705% | 3,223 |
| Efficiency ratio | 47.1121% | 5,430 |
| Assets per employee ($millions) | 4.6514% | 2,861 |
| Cash dividends to net income (ytd only)* | 65.6433% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,210 |
| Loan loss allowance to noncurrent loans | 68.7288% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 858 |
| Noncurrent loans to loans | 2.3605% | 663 |
| Net loans and leases to total assets | 70.4863% | 2,444 |
| Net loans and leases to deposits | 86.1384% | 2,199 |
| Net loans and leases to core deposits | 96.7633% | 1,908 |
| Total domestic deposits to total assets | 81.8291% | 3,933 |
| Equity capital to assets | 16.8623% | 420 |
| Core capital (leverage) ratio | 17.2921% | 346 |
| Tier 1 risk-based capital ratio | 26.7945% | 617 |
| Total risk-based capital ratio | 28.0534% | 606 |
| Memoranda: | ||
| Average total assets | $68,409,330 | 4,887 |
| Average earning assets | $64,183,000 | 4,860 |
| Average equity | $11,607,330 | 4,254 |
| Average total loans | $49,100,330 | 4,549 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 554 |
| Cost of funding earning assets | 0.2759% | 4,289 |
| Net interest margin | 4.6908% | 379 |
| Noninterest income to average assets | 0.5433% | 2,691 |
| Noninterest expense to average assets | 2.4805% | 3,875 |
| Loan and lease loss provision to assets | 0.4429% | 242 |
| Net operating income to assets | 2.0375% | 283 |
| Return on assets (ROA) | 2.0375% | 293 |
| Pretax return on assets | 2.0375% | 472 |
| Return on Equity (ROE) | 11.9703% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.1983% | 3,353 |
| Net charge-offs to loans | 0.1726% | 956 |
| Credit loss provision to net charge-offs | 357.1429% | 706 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,502 |
| Efficiency ratio | 50.0000% | 5,377 |
| Assets per employee ($millions) | 4.5705% | 3,058 |
| Cash dividends to net income (ytd only)* | 64.9275% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2100% | 469 |
| Loan loss allowance to noncurrent loans | 75.7829% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.0961% | 616 |
| Noncurrent loans to loans | 2.9163% | 487 |
| Net loans and leases to total assets | 70.2860% | 2,325 |
| Net loans and leases to deposits | 85.9160% | 2,043 |
| Net loans and leases to core deposits | 96.7124% | 1,770 |
| Total domestic deposits to total assets | 81.8078% | 4,217 |
| Equity capital to assets | 16.9231% | 391 |
| Core capital (leverage) ratio | 17.4813% | 325 |
| Tier 1 risk-based capital ratio | 26.9370% | 628 |
| Total risk-based capital ratio | 28.2034% | 618 |
| Memoranda: | ||
| Average total assets | $67,728,500 | 4,959 |
| Average earning assets | $63,784,000 | 4,922 |
| Average equity | $11,528,500 | 4,301 |
| Average total loans | $48,655,500 | 4,604 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 315 |
| Cost of funding earning assets | 0.2733% | 4,324 |
| Net interest margin | 5.0902% | 214 |
| Noninterest income to average assets | 0.5735% | 2,794 |
| Noninterest expense to average assets | 2.4596% | 4,131 |
| Loan and lease loss provision to assets | 0.1054% | 2,291 |
| Net operating income to assets | 2.8028% | 98 |
| Return on assets (ROA) | 2.8028% | 99 |
| Pretax return on assets | 2.8028% | 137 |
| Return on Equity (ROE) | 16.5273% | 452 |
| Retained earnings to average equity (ytd only) | 6.6748% | 1,369 |
| Net charge-offs to loans | 0.2746% | 1,003 |
| Credit loss provision to net charge-offs | 56.0000% | 3,304 |
| Earnings coverage of net charge-offs (x) | 15.4560% | 2,198 |
| Efficiency ratio | 45.8216% | 5,646 |
| Assets per employee ($millions) | 4.4600% | 3,172 |
| Cash dividends to net income (ytd only)* | 59.6133% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 494 |
| Loan loss allowance to noncurrent loans | 94.2623% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 959 |
| Noncurrent loans to loans | 2.2858% | 729 |
| Net loans and leases to total assets | 70.2556% | 2,426 |
| Net loans and leases to deposits | 86.0383% | 2,161 |
| Net loans and leases to core deposits | 96.4479% | 1,883 |
| Total domestic deposits to total assets | 81.6562% | 4,159 |
| Equity capital to assets | 17.1226% | 372 |
| Core capital (leverage) ratio | 17.2207% | 344 |
| Tier 1 risk-based capital ratio | 27.2378% | 607 |
| Total risk-based capital ratio | 28.5034% | 593 |
| Memoranda: | ||
| Average total assets | $66,433,200 | 5,003 |
| Average earning assets | $62,571,200 | 4,969 |
| Average equity | $11,266,200 | 4,386 |
| Average total loans | $45,520,600 | 4,697 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 357 |
| Cost of funding earning assets | 0.2716% | 4,369 |
| Net interest margin | 5.0476% | 231 |
| Noninterest income to average assets | 0.5931% | 2,697 |
| Noninterest expense to average assets | 2.4971% | 3,992 |
| Loan and lease loss provision to assets | 0.0201% | 3,834 |
| Net operating income to assets | 2.8207% | 103 |
| Return on assets (ROA) | 2.8207% | 106 |
| Pretax return on assets | 2.8207% | 140 |
| Return on Equity (ROE) | 16.6737% | 476 |
| Retained earnings to average equity (ytd only) | 8.6518% | 923 |
| Net charge-offs to loans | 0.2049% | 1,143 |
| Credit loss provision to net charge-offs | 14.4928% | 3,335 |
| Earnings coverage of net charge-offs (x) | 20.4777% | 1,871 |
| Efficiency ratio | 46.7797% | 5,638 |
| Assets per employee ($millions) | 4.3379% | 3,355 |
| Cash dividends to net income (ytd only)* | 48.1113% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2118% | 504 |
| Loan loss allowance to noncurrent loans | 94.0693% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 1,011 |
| Noncurrent loans to loans | 2.3513% | 777 |
| Net loans and leases to total assets | 70.0518% | 2,479 |
| Net loans and leases to deposits | 86.8824% | 2,156 |
| Net loans and leases to core deposits | 95.0794% | 2,095 |
| Total domestic deposits to total assets | 80.6283% | 4,348 |
| Equity capital to assets | 17.8134% | 359 |
| Core capital (leverage) ratio | 17.7458% | 319 |
| Tier 1 risk-based capital ratio | 27.9642% | 584 |
| Total risk-based capital ratio | 29.2299% | 573 |
| Memoranda: | ||
| Average total assets | $66,316,500 | 5,045 |
| Average earning assets | $62,338,000 | 5,014 |
| Average equity | $11,219,000 | 4,431 |
| Average total loans | $44,891,750 | 4,759 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 412 |
| Cost of funding earning assets | 0.2678% | 4,468 |
| Net interest margin | 4.9512% | 281 |
| Noninterest income to average assets | 0.5964% | 2,638 |
| Noninterest expense to average assets | 2.5175% | 3,989 |
| Loan and lease loss provision to assets | 0.0300% | 3,531 |
| Net operating income to assets | 2.7033% | 112 |
| Return on assets (ROA) | 2.7033% | 112 |
| Pretax return on assets | 2.7033% | 163 |
| Return on Equity (ROE) | 16.2596% | 507 |
| Retained earnings to average equity (ytd only) | 8.1478% | 1,130 |
| Net charge-offs to loans | 0.0812% | 2,036 |
| Credit loss provision to net charge-offs | 55.5556% | 2,624 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 985 |
| Efficiency ratio | 47.9452% | 5,668 |
| Assets per employee ($millions) | 4.3905% | 3,230 |
| Cash dividends to net income (ytd only)* | 49.8891% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4177% | 399 |
| Loan loss allowance to noncurrent loans | 153.6932% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 1,988 |
| Noncurrent loans to loans | 1.5731% | 1,366 |
| Net loans and leases to total assets | 66.3119% | 3,039 |
| Net loans and leases to deposits | 81.5838% | 2,755 |
| Net loans and leases to core deposits | 89.1209% | 2,630 |
| Total domestic deposits to total assets | 81.2807% | 4,193 |
| Equity capital to assets | 17.2510% | 401 |
| Core capital (leverage) ratio | 16.9158% | 374 |
| Tier 1 risk-based capital ratio | 28.2382% | 578 |
| Total risk-based capital ratio | 29.5074% | 568 |
| Memoranda: | ||
| Average total assets | $66,732,330 | 5,087 |
| Average earning assets | $62,732,670 | 5,059 |
| Average equity | $11,095,000 | 4,480 |
| Average total loans | $44,318,000 | 4,819 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 367 |
| Cost of funding earning assets | 0.2742% | 4,451 |
| Net interest margin | 5.0064% | 250 |
| Noninterest income to average assets | 0.6491% | 2,272 |
| Noninterest expense to average assets | 2.5666% | 3,862 |
| Loan and lease loss provision to assets | 0.0596% | 2,763 |
| Net operating income to assets | 2.6976% | 122 |
| Return on assets (ROA) | 2.6976% | 122 |
| Pretax return on assets | 2.6976% | 172 |
| Return on Equity (ROE) | 16.5298% | 486 |
| Retained earnings to average equity (ytd only) | 8.3196% | 1,336 |
| Net charge-offs to loans | 0.0907% | 1,598 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 46.3000% | 926 |
| Efficiency ratio | 48.2103% | 5,714 |
| Assets per employee ($millions) | 4.4675% | 3,129 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4746% | 397 |
| Loan loss allowance to noncurrent loans | 196.0432% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 2,616 |
| Noncurrent loans to loans | 1.2623% | 1,917 |
| Net loans and leases to total assets | 64.1049% | 3,228 |
| Net loans and leases to deposits | 78.1609% | 2,994 |
| Net loans and leases to core deposits | 85.1581% | 2,829 |
| Total domestic deposits to total assets | 82.0167% | 4,220 |
| Equity capital to assets | 16.5866% | 462 |
| Core capital (leverage) ratio | 16.4933% | 420 |
| Tier 1 risk-based capital ratio | 28.1922% | 598 |
| Total risk-based capital ratio | 29.4621% | 583 |
| Memoranda: | ||
| Average total assets | $67,170,000 | 5,127 |
| Average earning assets | $62,720,000 | 5,104 |
| Average equity | $10,962,000 | 4,517 |
| Average total loans | $44,100,500 | 4,864 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 553 |
| Cost of funding earning assets | 0.2824% | 4,459 |
| Net interest margin | 4.7813% | 390 |
| Noninterest income to average assets | 0.5667% | 2,919 |
| Noninterest expense to average assets | 2.4141% | 4,481 |
| Loan and lease loss provision to assets | 0.1785% | 1,272 |
| Net operating income to assets | 2.5078% | 149 |
| Return on assets (ROA) | 2.5078% | 152 |
| Pretax return on assets | 2.5078% | 201 |
| Return on Equity (ROE) | 15.9159% | 563 |
| Retained earnings to average equity (ytd only) | 6.3248% | 1,646 |
| Net charge-offs to loans | 0.0804% | 2,674 |
| Credit loss provision to net charge-offs | 342.8571% | 869 |
| Earnings coverage of net charge-offs (x) | 51.6000% | 978 |
| Efficiency ratio | 47.3316% | 5,866 |
| Assets per employee ($millions) | 4.8091% | 2,589 |
| Cash dividends to net income (ytd only)* | 60.2610% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 415 |
| Loan loss allowance to noncurrent loans | 120.9767% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3382% | 1,578 |
| Noncurrent loans to loans | 2.0406% | 1,013 |
| Net loans and leases to total assets | 63.9600% | 3,288 |
| Net loans and leases to deposits | 77.4403% | 3,111 |
| Net loans and leases to core deposits | 83.2441% | 3,027 |
| Total domestic deposits to total assets | 82.5927% | 3,979 |
| Equity capital to assets | 16.0542% | 516 |
| Core capital (leverage) ratio | 16.1979% | 444 |
| Tier 1 risk-based capital ratio | 27.6364% | 619 |
| Total risk-based capital ratio | 28.9050% | 606 |
| Memoranda: | ||
| Average total assets | $67,230,400 | 5,153 |
| Average earning assets | $63,748,200 | 5,092 |
| Average equity | $10,593,200 | 4,554 |
| Average total loans | $43,540,600 | 4,872 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 536 |
| Cost of funding earning assets | 0.2838% | 4,520 |
| Net interest margin | 4.7975% | 382 |
| Noninterest income to average assets | 0.5714% | 2,908 |
| Noninterest expense to average assets | 2.4065% | 4,494 |
| Loan and lease loss provision to assets | 0.1786% | 1,173 |
| Net operating income to assets | 2.5473% | 155 |
| Return on assets (ROA) | 2.5473% | 158 |
| Pretax return on assets | 2.5473% | 223 |
| Return on Equity (ROE) | 16.2437% | 557 |
| Retained earnings to average equity (ytd only) | 9.3236% | 787 |
| Net charge-offs to loans | 0.0461% | 2,972 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 91.5975% | 674 |
| Efficiency ratio | 46.8883% | 5,927 |
| Assets per employee ($millions) | 4.7641% | 2,606 |
| Cash dividends to net income (ytd only)* | 42.6015% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4817% | 445 |
| Loan loss allowance to noncurrent loans | 122.3103% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 1,770 |
| Noncurrent loans to loans | 2.0290% | 1,139 |
| Net loans and leases to total assets | 63.6295% | 3,362 |
| Net loans and leases to deposits | 77.6617% | 3,129 |
| Net loans and leases to core deposits | 83.5644% | 3,089 |
| Total domestic deposits to total assets | 81.9317% | 4,186 |
| Equity capital to assets | 16.4295% | 502 |
| Core capital (leverage) ratio | 16.1062% | 476 |
| Tier 1 risk-based capital ratio | 28.1702% | 608 |
| Total risk-based capital ratio | 29.4398% | 595 |
| Memoranda: | ||
| Average total assets | $67,206,000 | 5,214 |
| Average earning assets | $63,893,500 | 5,150 |
| Average equity | $10,539,250 | 4,613 |
| Average total loans | $43,387,500 | 4,930 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 524 |
| Cost of funding earning assets | 0.2818% | 4,588 |
| Net interest margin | 4.8038% | 361 |
| Noninterest income to average assets | 0.5521% | 3,027 |
| Noninterest expense to average assets | 2.3955% | 4,563 |
| Loan and lease loss provision to assets | 0.1781% | 1,155 |
| Net operating income to assets | 2.5321% | 164 |
| Return on assets (ROA) | 2.5321% | 171 |
| Pretax return on assets | 2.5321% | 242 |
| Return on Equity (ROE) | 16.4044% | 561 |
| Retained earnings to average equity (ytd only) | 9.5003% | 780 |
| Net charge-offs to loans | 0.0369% | 2,942 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 114.1250% | 547 |
| Efficiency ratio | 46.9186% | 6,011 |
| Assets per employee ($millions) | 4.8571% | 2,461 |
| Cash dividends to net income (ytd only)* | 42.0868% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 536 |
| Loan loss allowance to noncurrent loans | 219.7505% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 3,277 |
| Noncurrent loans to loans | 1.1010% | 2,453 |
| Net loans and leases to total assets | 62.6950% | 3,448 |
| Net loans and leases to deposits | 75.7014% | 3,301 |
| Net loans and leases to core deposits | 81.2611% | 3,256 |
| Total domestic deposits to total assets | 82.8189% | 4,019 |
| Equity capital to assets | 15.6576% | 575 |
| Core capital (leverage) ratio | 15.6726% | 516 |
| Tier 1 risk-based capital ratio | 27.3654% | 683 |
| Total risk-based capital ratio | 28.6347% | 665 |
| Memoranda: | ||
| Average total assets | $67,375,670 | 5,269 |
| Average earning assets | $63,865,670 | 5,202 |
| Average equity | $10,399,670 | 4,671 |
| Average total loans | $43,343,670 | 4,975 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 525 |
| Cost of funding earning assets | 0.2881% | 4,573 |
| Net interest margin | 4.7656% | 373 |
| Noninterest income to average assets | 0.5249% | 3,122 |
| Noninterest expense to average assets | 2.3977% | 4,600 |
| Loan and lease loss provision to assets | 0.1789% | 1,076 |
| Net operating income to assets | 2.4872% | 158 |
| Return on assets (ROA) | 2.4872% | 170 |
| Pretax return on assets | 2.4872% | 248 |
| Return on Equity (ROE) | 16.2320% | 539 |
| Retained earnings to average equity (ytd only) | 9.5368% | 1,034 |
| Net charge-offs to loans | 0.0556% | 2,210 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 626 |
| Efficiency ratio | 47.3498% | 6,050 |
| Assets per employee ($millions) | 5.1855% | 2,129 |
| Cash dividends to net income (ytd only)* | 41.2470% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3772% | 637 |
| Loan loss allowance to noncurrent loans | 142.7184% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 2,113 |
| Noncurrent loans to loans | 1.6657% | 1,667 |
| Net loans and leases to total assets | 62.6856% | 3,269 |
| Net loans and leases to deposits | 75.5642% | 3,108 |
| Net loans and leases to core deposits | 81.1449% | 3,041 |
| Total domestic deposits to total assets | 82.9568% | 4,191 |
| Equity capital to assets | 15.5360% | 614 |
| Core capital (leverage) ratio | 15.3687% | 554 |
| Tier 1 risk-based capital ratio | 26.8919% | 722 |
| Total risk-based capital ratio | 28.1588% | 707 |
| Memoranda: | ||
| Average total assets | $67,064,000 | 5,327 |
| Average earning assets | $63,875,000 | 5,249 |
| Average equity | $10,276,000 | 4,725 |
| Average total loans | $43,171,000 | 5,012 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 780 |
| Cost of funding earning assets | 0.3060% | 4,734 |
| Net interest margin | 4.6913% | 529 |
| Noninterest income to average assets | 0.5457% | 3,197 |
| Noninterest expense to average assets | 2.4622% | 4,663 |
| Loan and lease loss provision to assets | 0.1869% | 1,376 |
| Net operating income to assets | 2.3665% | 178 |
| Return on assets (ROA) | 2.3665% | 181 |
| Pretax return on assets | 2.3665% | 243 |
| Return on Equity (ROE) | 16.3848% | 570 |
| Retained earnings to average equity (ytd only) | 7.8146% | 1,090 |
| Net charge-offs to loans | 0.0527% | 3,775 |
| Credit loss provision to net charge-offs | 568.1818% | 471 |
| Earnings coverage of net charge-offs (x) | 77.6364% | 646 |
| Efficiency ratio | 49.0909% | 6,138 |
| Assets per employee ($millions) | 4.7655% | 2,641 |
| Cash dividends to net income (ytd only)* | 52.3057% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 689 |
| Loan loss allowance to noncurrent loans | 158.7678% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1451% | 2,472 |
| Noncurrent loans to loans | 1.4702% | 1,996 |
| Net loans and leases to total assets | 63.0289% | 3,355 |
| Net loans and leases to deposits | 75.5538% | 3,250 |
| Net loans and leases to core deposits | 81.1498% | 3,185 |
| Total domestic deposits to total assets | 83.4225% | 3,939 |
| Equity capital to assets | 15.1071% | 689 |
| Core capital (leverage) ratio | 15.1594% | 581 |
| Tier 1 risk-based capital ratio | 26.6108% | 712 |
| Total risk-based capital ratio | 27.8790% | 695 |
| Memoranda: | ||
| Average total assets | $66,891,200 | 5,375 |
| Average earning assets | $63,734,600 | 5,286 |
| Average equity | $9,661,400 | 4,824 |
| Average total loans | $41,772,000 | 5,113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 829 |
| Cost of funding earning assets | 0.3071% | 4,819 |
| Net interest margin | 4.6499% | 563 |
| Noninterest income to average assets | 0.5498% | 3,204 |
| Noninterest expense to average assets | 2.4620% | 4,636 |
| Loan and lease loss provision to assets | 0.1892% | 1,289 |
| Net operating income to assets | 2.3326% | 187 |
| Return on assets (ROA) | 2.3326% | 190 |
| Pretax return on assets | 2.3326% | 291 |
| Return on Equity (ROE) | 16.3366% | 636 |
| Retained earnings to average equity (ytd only) | 9.3611% | 887 |
| Net charge-offs to loans | 0.0515% | 3,474 |
| Credit loss provision to net charge-offs | 593.7500% | 501 |
| Earnings coverage of net charge-offs (x) | 79.1355% | 709 |
| Efficiency ratio | 49.4005% | 6,121 |
| Assets per employee ($millions) | 4.4282% | 3,088 |
| Cash dividends to net income (ytd only)* | 42.6987% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3434% | 789 |
| Loan loss allowance to noncurrent loans | 243.4243% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 3,410 |
| Noncurrent loans to loans | 0.9627% | 3,156 |
| Net loans and leases to total assets | 61.5480% | 3,555 |
| Net loans and leases to deposits | 73.9491% | 3,434 |
| Net loans and leases to core deposits | 79.4550% | 3,380 |
| Total domestic deposits to total assets | 83.2302% | 4,055 |
| Equity capital to assets | 14.9978% | 729 |
| Core capital (leverage) ratio | 14.9664% | 627 |
| Tier 1 risk-based capital ratio | 25.9869% | 789 |
| Total risk-based capital ratio | 27.2408% | 765 |
| Memoranda: | ||
| Average total assets | $66,934,750 | 5,430 |
| Average earning assets | $63,828,250 | 5,343 |
| Average equity | $9,557,000 | 4,887 |
| Average total loans | $41,451,000 | 5,170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 889 |
| Cost of funding earning assets | 0.3098% | 4,883 |
| Net interest margin | 4.6060% | 574 |
| Noninterest income to average assets | 0.5573% | 3,066 |
| Noninterest expense to average assets | 2.4588% | 4,703 |
| Loan and lease loss provision to assets | 0.1937% | 1,263 |
| Net operating income to assets | 2.2919% | 194 |
| Return on assets (ROA) | 2.2919% | 203 |
| Pretax return on assets | 2.2919% | 309 |
| Return on Equity (ROE) | 16.3235% | 621 |
| Retained earnings to average equity (ytd only) | 9.3611% | 861 |
| Net charge-offs to loans | 0.0436% | 3,356 |
| Credit loss provision to net charge-offs | 722.2222% | 442 |
| Earnings coverage of net charge-offs (x) | 92.6667% | 587 |
| Efficiency ratio | 49.7288% | 6,183 |
| Assets per employee ($millions) | 4.4727% | 2,963 |
| Cash dividends to net income (ytd only)* | 42.6528% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3238% | 873 |
| Loan loss allowance to noncurrent loans | 107.8829% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5188% | 2,144 |
| Noncurrent loans to loans | 2.1540% | 1,536 |
| Net loans and leases to total assets | 60.0200% | 3,708 |
| Net loans and leases to deposits | 71.6793% | 3,615 |
| Net loans and leases to core deposits | 77.8065% | 3,463 |
| Total domestic deposits to total assets | 83.7340% | 4,020 |
| Equity capital to assets | 14.5742% | 802 |
| Core capital (leverage) ratio | 14.5000% | 702 |
| Tier 1 risk-based capital ratio | 25.4325% | 828 |
| Total risk-based capital ratio | 26.6988% | 810 |
| Memoranda: | ||
| Average total assets | $67,105,330 | 5,471 |
| Average earning assets | $63,916,330 | 5,387 |
| Average equity | $9,422,000 | 4,928 |
| Average total loans | $41,313,670 | 5,218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 771 |
| Cost of funding earning assets | 0.3130% | 4,940 |
| Net interest margin | 4.6510% | 507 |
| Noninterest income to average assets | 0.5424% | 3,099 |
| Noninterest expense to average assets | 2.4198% | 4,873 |
| Loan and lease loss provision to assets | 0.2086% | 1,107 |
| Net operating income to assets | 2.3423% | 188 |
| Return on assets (ROA) | 2.3423% | 198 |
| Pretax return on assets | 2.3423% | 288 |
| Return on Equity (ROE) | 17.0056% | 536 |
| Retained earnings to average equity (ytd only) | 10.2553% | 908 |
| Net charge-offs to loans | -0.0774% | 6,008 |
| Credit loss provision to net charge-offs | -437.5000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6811% | 6,325 |
| Assets per employee ($millions) | 4.8468% | 2,447 |
| Cash dividends to net income (ytd only)* | 39.6947% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3036% | 1,025 |
| Loan loss allowance to noncurrent loans | 243.5567% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 3,826 |
| Noncurrent loans to loans | 0.9458% | 3,522 |
| Net loans and leases to total assets | 59.0627% | 3,693 |
| Net loans and leases to deposits | 69.8948% | 3,618 |
| Net loans and leases to core deposits | 75.7256% | 3,432 |
| Total domestic deposits to total assets | 84.5022% | 4,085 |
| Equity capital to assets | 13.9032% | 952 |
| Core capital (leverage) ratio | 14.1107% | 785 |
| Tier 1 risk-based capital ratio | 25.5012% | 836 |
| Total risk-based capital ratio | 26.7660% | 818 |
| Memoranda: | ||
| Average total assets | $67,112,500 | 5,529 |
| Average earning assets | $63,900,500 | 5,446 |
| Average equity | $9,244,000 | 4,990 |
| Average total loans | $41,357,500 | 5,266 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 973 |
| Cost of funding earning assets | 0.3790% | 4,846 |
| Net interest margin | 4.5904% | 626 |
| Noninterest income to average assets | 0.6298% | 2,917 |
| Noninterest expense to average assets | 2.4531% | 4,919 |
| Loan and lease loss provision to assets | 0.2480% | 1,454 |
| Net operating income to assets | 2.2803% | 216 |
| Return on assets (ROA) | 2.2803% | 220 |
| Pretax return on assets | 2.2803% | 273 |
| Return on Equity (ROE) | 17.0117% | 499 |
| Retained earnings to average equity (ytd only) | 8.7806% | 825 |
| Net charge-offs to loans | 0.0466% | 4,572 |
| Credit loss provision to net charge-offs | 868.4211% | 287 |
| Earnings coverage of net charge-offs (x) | 88.5263% | 507 |
| Efficiency ratio | 49.2456% | 6,432 |
| Assets per employee ($millions) | 4.4247% | 3,039 |
| Cash dividends to net income (ytd only)* | 48.3850% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1634% | 1,228 |
| Loan loss allowance to noncurrent loans | 195.6616% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 3,660 |
| Noncurrent loans to loans | 1.1057% | 3,327 |
| Net loans and leases to total assets | 61.4600% | 3,450 |
| Net loans and leases to deposits | 72.4813% | 3,461 |
| Net loans and leases to core deposits | 77.7401% | 3,400 |
| Total domestic deposits to total assets | 84.7943% | 3,850 |
| Equity capital to assets | 13.6417% | 1,018 |
| Core capital (leverage) ratio | 14.0111% | 821 |
| Tier 1 risk-based capital ratio | 24.9541% | 855 |
| Total risk-based capital ratio | 26.0368% | 862 |
| Memoranda: | ||
| Average total assets | $66,527,000 | 5,578 |
| Average earning assets | $63,066,400 | 5,504 |
| Average equity | $8,917,400 | 5,104 |
| Average total loans | $40,732,200 | 5,316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 1,112 |
| Cost of funding earning assets | 0.3927% | 4,882 |
| Net interest margin | 4.5124% | 725 |
| Noninterest income to average assets | 0.5088% | 3,744 |
| Noninterest expense to average assets | 2.4576% | 4,852 |
| Loan and lease loss provision to assets | 0.2404% | 1,496 |
| Net operating income to assets | 2.0911% | 312 |
| Return on assets (ROA) | 2.0911% | 319 |
| Pretax return on assets | 2.0911% | 478 |
| Return on Equity (ROE) | 15.6696% | 687 |
| Retained earnings to average equity (ytd only) | 8.6303% | 1,182 |
| Net charge-offs to loans | 0.0428% | 4,300 |
| Credit loss provision to net charge-offs | 923.0769% | 332 |
| Earnings coverage of net charge-offs (x) | 89.5534% | 539 |
| Efficiency ratio | 51.3174% | 6,309 |
| Assets per employee ($millions) | 4.4694% | 2,929 |
| Cash dividends to net income (ytd only)* | 44.9234% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0864% | 1,536 |
| Loan loss allowance to noncurrent loans | 206.9544% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 4,068 |
| Noncurrent loans to loans | 1.0081% | 3,790 |
| Net loans and leases to total assets | 60.4123% | 3,631 |
| Net loans and leases to deposits | 71.3222% | 3,599 |
| Net loans and leases to core deposits | 76.2716% | 3,587 |
| Total domestic deposits to total assets | 84.7034% | 3,882 |
| Equity capital to assets | 13.3948% | 1,166 |
| Core capital (leverage) ratio | 13.8189% | 916 |
| Tier 1 risk-based capital ratio | 23.7426% | 1,041 |
| Total risk-based capital ratio | 25.0058% | 1,018 |
| Memoranda: | ||
| Average total assets | $66,566,250 | 5,633 |
| Average earning assets | $63,142,250 | 5,557 |
| Average equity | $8,883,250 | 5,169 |
| Average total loans | $40,492,000 | 5,378 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 1,204 |
| Cost of funding earning assets | 0.4120% | 4,842 |
| Net interest margin | 4.4429% | 786 |
| Noninterest income to average assets | 0.4939% | 3,876 |
| Noninterest expense to average assets | 2.4365% | 4,941 |
| Loan and lease loss provision to assets | 0.2711% | 1,360 |
| Net operating income to assets | 2.0088% | 352 |
| Return on assets (ROA) | 2.0088% | 375 |
| Pretax return on assets | 2.0088% | 599 |
| Return on Equity (ROE) | 15.0717% | 800 |
| Retained earnings to average equity (ytd only) | 7.9991% | 1,487 |
| Net charge-offs to loans | 0.0199% | 4,444 |
| Credit loss provision to net charge-offs | 2,250.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 189.2500% | 269 |
| Efficiency ratio | 51.6603% | 6,302 |
| Assets per employee ($millions) | 4.3665% | 3,062 |
| Cash dividends to net income (ytd only)* | 46.9265% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 1,700 |
| Loan loss allowance to noncurrent loans | 160.0760% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 4,220 |
| Noncurrent loans to loans | 1.2936% | 3,394 |
| Net loans and leases to total assets | 60.7967% | 3,519 |
| Net loans and leases to deposits | 71.6883% | 3,496 |
| Net loans and leases to core deposits | 76.8385% | 3,452 |
| Total domestic deposits to total assets | 84.8069% | 3,991 |
| Equity capital to assets | 13.3380% | 1,209 |
| Core capital (leverage) ratio | 13.3812% | 1,024 |
| Tier 1 risk-based capital ratio | 24.3957% | 948 |
| Total risk-based capital ratio | 25.6574% | 932 |
| Memoranda: | ||
| Average total assets | $66,408,000 | 5,674 |
| Average earning assets | $63,112,000 | 5,591 |
| Average equity | $8,851,000 | 5,214 |
| Average total loans | $40,201,330 | 5,417 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 1,315 |
| Cost of funding earning assets | 0.4279% | 4,836 |
| Net interest margin | 4.3607% | 862 |
| Noninterest income to average assets | 0.4965% | 3,793 |
| Noninterest expense to average assets | 2.4228% | 5,046 |
| Loan and lease loss provision to assets | 0.2692% | 1,318 |
| Net operating income to assets | 1.9502% | 375 |
| Return on assets (ROA) | 1.9502% | 406 |
| Pretax return on assets | 1.9502% | 661 |
| Return on Equity (ROE) | 14.6377% | 834 |
| Retained earnings to average equity (ytd only) | 7.6332% | 1,881 |
| Net charge-offs to loans | 0.0100% | 3,949 |
| Credit loss provision to net charge-offs | 4,500.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 99 |
| Efficiency ratio | 52.1907% | 6,366 |
| Assets per employee ($millions) | 4.7908% | 2,500 |
| Cash dividends to net income (ytd only)* | 47.8528% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0043% | 2,032 |
| Loan loss allowance to noncurrent loans | 136.9863% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 4,203 |
| Noncurrent loans to loans | 1.4631% | 3,368 |
| Net loans and leases to total assets | 58.3173% | 3,737 |
| Net loans and leases to deposits | 69.0645% | 3,631 |
| Net loans and leases to core deposits | 73.9102% | 3,590 |
| Total domestic deposits to total assets | 84.4389% | 4,297 |
| Equity capital to assets | 13.3977% | 1,245 |
| Core capital (leverage) ratio | 12.9968% | 1,114 |
| Tier 1 risk-based capital ratio | 23.5091% | 1,085 |
| Total risk-based capital ratio | 24.7721% | 1,063 |
| Memoranda: | ||
| Average total assets | $66,863,500 | 5,712 |
| Average earning assets | $63,568,500 | 5,629 |
| Average equity | $8,908,500 | 5,242 |
| Average total loans | $39,971,000 | 5,461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 1,438 |
| Cost of funding earning assets | 0.5387% | 4,921 |
| Net interest margin | 4.5097% | 930 |
| Noninterest income to average assets | 0.7513% | 2,490 |
| Noninterest expense to average assets | 2.5597% | 4,897 |
| Loan and lease loss provision to assets | 0.2766% | 2,436 |
| Net operating income to assets | 2.1726% | 270 |
| Return on assets (ROA) | 2.1787% | 291 |
| Pretax return on assets | 2.1787% | 433 |
| Return on Equity (ROE) | 16.7854% | 563 |
| Retained earnings to average equity (ytd only) | 8.4637% | 977 |
| Net charge-offs to loans | 0.2060% | 3,734 |
| Credit loss provision to net charge-offs | 230.7692% | 1,071 |
| Earnings coverage of net charge-offs (x) | 20.4359% | 1,354 |
| Efficiency ratio | 51.1043% | 6,520 |
| Assets per employee ($millions) | 4.7611% | 2,562 |
| Cash dividends to net income (ytd only)* | 49.5769% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,325 |
| Loan loss allowance to noncurrent loans | 148.5265% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 4,526 |
| Noncurrent loans to loans | 1.2716% | 3,712 |
| Net loans and leases to total assets | 58.9174% | 3,815 |
| Net loans and leases to deposits | 69.2371% | 3,805 |
| Net loans and leases to core deposits | 73.8195% | 3,806 |
| Total domestic deposits to total assets | 85.0951% | 3,820 |
| Equity capital to assets | 13.2486% | 1,330 |
| Core capital (leverage) ratio | 13.0832% | 1,089 |
| Tier 1 risk-based capital ratio | 23.3006% | 1,066 |
| Total risk-based capital ratio | 24.5609% | 1,050 |
| Memoranda: | ||
| Average total assets | $65,084,600 | 5,783 |
| Average earning assets | $61,446,000 | 5,690 |
| Average equity | $8,447,800 | 5,373 |
| Average total loans | $37,855,400 | 5,592 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 1,471 |
| Cost of funding earning assets | 0.5607% | 4,990 |
| Net interest margin | 4.5210% | 951 |
| Noninterest income to average assets | 0.5420% | 3,655 |
| Noninterest expense to average assets | 2.5886% | 4,777 |
| Loan and lease loss provision to assets | 0.2679% | 2,433 |
| Net operating income to assets | 1.9394% | 416 |
| Return on assets (ROA) | 1.9394% | 481 |
| Pretax return on assets | 1.9394% | 795 |
| Return on Equity (ROE) | 15.0220% | 897 |
| Retained earnings to average equity (ytd only) | 7.5350% | 1,838 |
| Net charge-offs to loans | 0.2930% | 2,974 |
| Credit loss provision to net charge-offs | 158.5366% | 1,768 |
| Earnings coverage of net charge-offs (x) | 13.0610% | 1,951 |
| Efficiency ratio | 53.9751% | 6,251 |
| Assets per employee ($millions) | 4.3715% | 3,128 |
| Cash dividends to net income (ytd only)* | 49.8406% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 2,768 |
| Loan loss allowance to noncurrent loans | 223.5669% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 5,469 |
| Noncurrent loans to loans | 0.8094% | 4,792 |
| Net loans and leases to total assets | 58.0903% | 4,121 |
| Net loans and leases to deposits | 68.5534% | 4,088 |
| Net loans and leases to core deposits | 73.7297% | 4,008 |
| Total domestic deposits to total assets | 84.7374% | 3,864 |
| Equity capital to assets | 13.1947% | 1,500 |
| Core capital (leverage) ratio | 12.8790% | 1,239 |
| Tier 1 risk-based capital ratio | 23.1511% | 1,153 |
| Total risk-based capital ratio | 24.3980% | 1,129 |
| Memoranda: | ||
| Average total assets | $64,691,750 | 5,856 |
| Average earning assets | $60,869,750 | 5,774 |
| Average equity | $8,352,000 | 5,459 |
| Average total loans | $37,312,250 | 5,688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 1,662 |
| Cost of funding earning assets | 0.5818% | 5,057 |
| Net interest margin | 4.4691% | 1,047 |
| Noninterest income to average assets | 0.5342% | 3,693 |
| Noninterest expense to average assets | 2.5901% | 4,810 |
| Loan and lease loss provision to assets | 0.2174% | 2,899 |
| Net operating income to assets | 1.9255% | 442 |
| Return on assets (ROA) | 1.9379% | 496 |
| Pretax return on assets | 1.9379% | 789 |
| Return on Equity (ROE) | 15.1236% | 917 |
| Retained earnings to average equity (ytd only) | 7.5376% | 1,846 |
| Net charge-offs to loans | 0.2010% | 3,375 |
| Credit loss provision to net charge-offs | 189.1892% | 1,495 |
| Earnings coverage of net charge-offs (x) | 18.6486% | 1,473 |
| Efficiency ratio | 54.7244% | 6,251 |
| Assets per employee ($millions) | 4.3586% | 3,149 |
| Cash dividends to net income (ytd only)* | 50.1603% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,852 |
| Loan loss allowance to noncurrent loans | 163.5714% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,168 |
| Noncurrent loans to loans | 1.1013% | 4,321 |
| Net loans and leases to total assets | 57.2829% | 4,283 |
| Net loans and leases to deposits | 67.3870% | 4,302 |
| Net loans and leases to core deposits | 72.1030% | 4,284 |
| Total domestic deposits to total assets | 85.0059% | 3,858 |
| Equity capital to assets | 12.9262% | 1,553 |
| Core capital (leverage) ratio | 12.5938% | 1,312 |
| Tier 1 risk-based capital ratio | 22.9216% | 1,143 |
| Total risk-based capital ratio | 24.1776% | 1,120 |
| Memoranda: | ||
| Average total assets | $64,398,330 | 5,903 |
| Average earning assets | $60,505,000 | 5,818 |
| Average equity | $8,252,000 | 5,499 |
| Average total loans | $36,818,670 | 5,741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 1,703 |
| Cost of funding earning assets | 0.6031% | 5,099 |
| Net interest margin | 4.4536% | 1,102 |
| Noninterest income to average assets | 0.5070% | 3,865 |
| Noninterest expense to average assets | 2.6163% | 4,758 |
| Loan and lease loss provision to assets | 0.2191% | 2,749 |
| Net operating income to assets | 1.8777% | 512 |
| Return on assets (ROA) | 1.9027% | 565 |
| Pretax return on assets | 1.9027% | 869 |
| Return on Equity (ROE) | 14.9157% | 984 |
| Retained earnings to average equity (ytd only) | 7.2616% | 2,295 |
| Net charge-offs to loans | 0.0996% | 3,540 |
| Credit loss provision to net charge-offs | 388.8889% | 803 |
| Earnings coverage of net charge-offs (x) | 37.2222% | 791 |
| Efficiency ratio | 55.5113% | 6,181 |
| Assets per employee ($millions) | 4.3565% | 3,289 |
| Cash dividends to net income (ytd only)* | 51.3158% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 2,851 |
| Loan loss allowance to noncurrent loans | 165.4501% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 5,306 |
| Noncurrent loans to loans | 1.1162% | 4,464 |
| Net loans and leases to total assets | 55.3078% | 4,509 |
| Net loans and leases to deposits | 64.7497% | 4,521 |
| Net loans and leases to core deposits | 69.5949% | 4,483 |
| Total domestic deposits to total assets | 85.4178% | 3,827 |
| Equity capital to assets | 12.5897% | 1,664 |
| Core capital (leverage) ratio | 12.5037% | 1,341 |
| Tier 1 risk-based capital ratio | 22.9547% | 1,137 |
| Total risk-based capital ratio | 24.2125% | 1,122 |
| Memoranda: | ||
| Average total assets | $63,908,000 | 5,958 |
| Average earning assets | $60,356,000 | 5,862 |
| Average equity | $8,152,500 | 5,548 |
| Average total loans | $36,159,000 | 5,821 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 3,333 |
| Cost of funding earning assets | 0.7208% | 5,399 |
| Net interest margin | 4.1832% | 2,113 |
| Noninterest income to average assets | 0.4418% | 4,292 |
| Noninterest expense to average assets | 2.4996% | 5,465 |
| Loan and lease loss provision to assets | 0.1589% | 4,639 |
| Net operating income to assets | 1.7305% | 523 |
| Return on assets (ROA) | 1.7305% | 560 |
| Pretax return on assets | 1.7305% | 927 |
| Return on Equity (ROE) | 14.0920% | 905 |
| Retained earnings to average equity (ytd only) | 6.2113% | 1,903 |
| Net charge-offs to loans | -0.1087% | 7,148 |
| Credit loss provision to net charge-offs | -277.7778% | 6,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9515% | 6,190 |
| Assets per employee ($millions) | 4.1646% | 3,523 |
| Cash dividends to net income (ytd only)* | 55.9229% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 2,737 |
| Loan loss allowance to noncurrent loans | 227.0833% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 5,806 |
| Noncurrent loans to loans | 0.8114% | 5,073 |
| Net loans and leases to total assets | 55.7749% | 4,752 |
| Net loans and leases to deposits | 65.4777% | 4,806 |
| Net loans and leases to core deposits | 69.8937% | 4,788 |
| Total domestic deposits to total assets | 85.1814% | 3,752 |
| Equity capital to assets | 12.9312% | 1,527 |
| Core capital (leverage) ratio | 12.6338% | 1,297 |
| Tier 1 risk-based capital ratio | 23.4793% | 1,035 |
| Total risk-based capital ratio | 24.7394% | 1,013 |
| Memoranda: | ||
| Average total assets | $62,929,200 | 5,959 |
| Average earning assets | $59,380,400 | 5,883 |
| Average equity | $7,727,800 | 5,655 |
| Average total loans | $33,122,200 | 6,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 3,689 |
| Cost of funding earning assets | 0.7445% | 5,496 |
| Net interest margin | 4.1241% | 2,382 |
| Noninterest income to average assets | 0.4378% | 4,377 |
| Noninterest expense to average assets | 2.5251% | 5,374 |
| Loan and lease loss provision to assets | 0.0952% | 5,273 |
| Net operating income to assets | 1.7067% | 619 |
| Return on assets (ROA) | 1.7067% | 675 |
| Pretax return on assets | 1.7067% | 1,132 |
| Return on Equity (ROE) | 14.0829% | 1,026 |
| Retained earnings to average equity (ytd only) | 6.1777% | 2,442 |
| Net charge-offs to loans | -0.1394% | 7,216 |
| Credit loss provision to net charge-offs | -132.3529% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3578% | 5,962 |
| Assets per employee ($millions) | 4.1959% | 3,454 |
| Cash dividends to net income (ytd only)* | 56.1335% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 3,203 |
| Loan loss allowance to noncurrent loans | 294.0887% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,252 |
| Noncurrent loans to loans | 0.5850% | 5,703 |
| Net loans and leases to total assets | 54.1826% | 5,138 |
| Net loans and leases to deposits | 63.6611% | 5,212 |
| Net loans and leases to core deposits | 68.4010% | 5,133 |
| Total domestic deposits to total assets | 85.1110% | 3,719 |
| Equity capital to assets | 12.7234% | 1,773 |
| Core capital (leverage) ratio | 12.2792% | 1,543 |
| Tier 1 risk-based capital ratio | 23.1704% | 1,127 |
| Total risk-based capital ratio | 24.4250% | 1,108 |
| Memoranda: | ||
| Average total assets | $63,044,250 | 6,001 |
| Average earning assets | $59,454,500 | 5,925 |
| Average equity | $7,640,250 | 5,710 |
| Average total loans | $32,528,750 | 6,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 4,112 |
| Cost of funding earning assets | 0.7707% | 5,559 |
| Net interest margin | 4.0251% | 2,712 |
| Noninterest income to average assets | 0.4185% | 4,527 |
| Noninterest expense to average assets | 2.5333% | 5,424 |
| Loan and lease loss provision to assets | 0.0951% | 5,142 |
| Net operating income to assets | 1.5821% | 757 |
| Return on assets (ROA) | 1.5821% | 802 |
| Pretax return on assets | 1.5821% | 1,290 |
| Return on Equity (ROE) | 13.2754% | 1,142 |
| Retained earnings to average equity (ytd only) | 5.3740% | 2,761 |
| Net charge-offs to loans | 0.0629% | 5,019 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 52.9000% | 601 |
| Efficiency ratio | 60.1657% | 5,846 |
| Assets per employee ($millions) | 4.2162% | 3,323 |
| Cash dividends to net income (ytd only)* | 59.5190% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,592 |
| Loan loss allowance to noncurrent loans | 243.4389% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 6,241 |
| Noncurrent loans to loans | 0.6684% | 5,571 |
| Net loans and leases to total assets | 51.4302% | 5,641 |
| Net loans and leases to deposits | 60.0454% | 5,719 |
| Net loans and leases to core deposits | 64.6524% | 5,653 |
| Total domestic deposits to total assets | 85.6522% | 3,521 |
| Equity capital to assets | 12.2970% | 1,906 |
| Core capital (leverage) ratio | 11.9844% | 1,606 |
| Tier 1 risk-based capital ratio | 23.4923% | 1,062 |
| Total risk-based capital ratio | 24.7374% | 1,046 |
| Memoranda: | ||
| Average total assets | $63,079,330 | 6,047 |
| Average earning assets | $59,426,670 | 5,972 |
| Average equity | $7,517,670 | 5,762 |
| Average total loans | $31,805,330 | 6,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 4,128 |
| Cost of funding earning assets | 0.7974% | 5,585 |
| Net interest margin | 3.9870% | 2,740 |
| Noninterest income to average assets | 0.4127% | 4,602 |
| Noninterest expense to average assets | 2.5271% | 5,461 |
| Loan and lease loss provision to assets | 0.0952% | 4,821 |
| Net operating income to assets | 1.5366% | 809 |
| Return on assets (ROA) | 1.5366% | 851 |
| Pretax return on assets | 1.5366% | 1,342 |
| Return on Equity (ROE) | 13.1023% | 1,169 |
| Retained earnings to average equity (ytd only) | 5.5225% | 2,898 |
| Net charge-offs to loans | 0.1283% | 3,745 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 25.7000% | 953 |
| Efficiency ratio | 60.7634% | 5,868 |
| Assets per employee ($millions) | 4.5271% | 2,842 |
| Cash dividends to net income (ytd only)* | 57.8512% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 3,467 |
| Loan loss allowance to noncurrent loans | 229.3860% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 6,292 |
| Noncurrent loans to loans | 0.7258% | 5,557 |
| Net loans and leases to total assets | 48.7370% | 5,986 |
| Net loans and leases to deposits | 56.4915% | 6,086 |
| Net loans and leases to core deposits | 60.7621% | 6,044 |
| Total domestic deposits to total assets | 86.2731% | 3,347 |
| Equity capital to assets | 11.7105% | 2,115 |
| Core capital (leverage) ratio | 11.9578% | 1,589 |
| Tier 1 risk-based capital ratio | 24.5864% | 922 |
| Total risk-based capital ratio | 25.8412% | 899 |
| Memoranda: | ||
| Average total assets | $62,997,500 | 6,093 |
| Average earning assets | $59,192,500 | 6,024 |
| Average equity | $7,388,000 | 5,810 |
| Average total loans | $31,176,000 | 6,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 3,171 |
| Cost of funding earning assets | 1.1261% | 4,992 |
| Net interest margin | 4.1646% | 2,310 |
| Noninterest income to average assets | 0.4590% | 4,447 |
| Noninterest expense to average assets | 2.4792% | 5,864 |
| Loan and lease loss provision to assets | 0.4202% | 3,590 |
| Net operating income to assets | 1.4206% | 902 |
| Return on assets (ROA) | 1.4206% | 973 |
| Pretax return on assets | 1.4206% | 1,593 |
| Return on Equity (ROE) | 11.7958% | 1,367 |
| Retained earnings to average equity (ytd only) | 4.3211% | 2,816 |
| Net charge-offs to loans | 0.5071% | 3,588 |
| Credit loss provision to net charge-offs | 171.0526% | 1,975 |
| Earnings coverage of net charge-offs (x) | 7.4934% | 2,118 |
| Efficiency ratio | 57.3887% | 6,405 |
| Assets per employee ($millions) | 4.4726% | 2,921 |
| Cash dividends to net income (ytd only)* | 63.3675% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 3,315 |
| Loan loss allowance to noncurrent loans | 178.0069% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 6,099 |
| Noncurrent loans to loans | 0.9405% | 5,166 |
| Net loans and leases to total assets | 48.5850% | 6,325 |
| Net loans and leases to deposits | 56.2537% | 6,419 |
| Net loans and leases to core deposits | 59.9436% | 6,393 |
| Total domestic deposits to total assets | 86.3677% | 3,153 |
| Equity capital to assets | 11.7446% | 2,088 |
| Core capital (leverage) ratio | 11.7806% | 1,684 |
| Tier 1 risk-based capital ratio | 23.1298% | 1,020 |
| Total risk-based capital ratio | 24.3829% | 1,002 |
| Memoranda: | ||
| Average total assets | $61,873,600 | 6,130 |
| Average earning assets | $57,364,600 | 6,083 |
| Average equity | $7,451,800 | 5,891 |
| Average total loans | $29,974,400 | 6,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 3,141 |
| Cost of funding earning assets | 1.1776% | 4,993 |
| Net interest margin | 4.1674% | 2,343 |
| Noninterest income to average assets | 0.4582% | 4,502 |
| Noninterest expense to average assets | 2.5288% | 5,610 |
| Loan and lease loss provision to assets | 0.4323% | 3,320 |
| Net operating income to assets | 1.3444% | 1,242 |
| Return on assets (ROA) | 1.3444% | 1,318 |
| Pretax return on assets | 1.3444% | 2,051 |
| Return on Equity (ROE) | 11.0926% | 1,761 |
| Retained earnings to average equity (ytd only) | 3.9413% | 3,700 |
| Net charge-offs to loans | 0.5650% | 3,059 |
| Credit loss provision to net charge-offs | 158.7302% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.5236% | 2,503 |
| Efficiency ratio | 58.7349% | 6,159 |
| Assets per employee ($millions) | 4.4830% | 2,936 |
| Cash dividends to net income (ytd only)* | 64.4693% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,524 |
| Loan loss allowance to noncurrent loans | 105.9081% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,633 |
| Noncurrent loans to loans | 1.5113% | 4,369 |
| Net loans and leases to total assets | 47.4093% | 6,569 |
| Net loans and leases to deposits | 55.2471% | 6,670 |
| Net loans and leases to core deposits | 58.7753% | 6,686 |
| Total domestic deposits to total assets | 85.8131% | 3,176 |
| Equity capital to assets | 12.0264% | 2,143 |
| Core capital (leverage) ratio | 11.6096% | 1,863 |
| Tier 1 risk-based capital ratio | 23.1054% | 1,052 |
| Total risk-based capital ratio | 24.3616% | 1,020 |
| Memoranda: | ||
| Average total assets | $61,688,000 | 6,204 |
| Average earning assets | $56,948,500 | 6,167 |
| Average equity | $7,476,250 | 5,956 |
| Average total loans | $29,733,000 | 6,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 2,759 |
| Cost of funding earning assets | 1.2384% | 4,905 |
| Net interest margin | 4.2100% | 2,126 |
| Noninterest income to average assets | 0.4174% | 4,775 |
| Noninterest expense to average assets | 2.5371% | 5,583 |
| Loan and lease loss provision to assets | 0.4402% | 3,115 |
| Net operating income to assets | 1.2979% | 1,313 |
| Return on assets (ROA) | 1.2979% | 1,374 |
| Pretax return on assets | 1.2979% | 2,092 |
| Return on Equity (ROE) | 10.6812% | 1,865 |
| Retained earnings to average equity (ytd only) | 4.1061% | 3,462 |
| Net charge-offs to loans | 0.7171% | 2,426 |
| Credit loss provision to net charge-offs | 127.3585% | 3,157 |
| Earnings coverage of net charge-offs (x) | 5.0283% | 2,773 |
| Efficiency ratio | 59.3440% | 6,169 |
| Assets per employee ($millions) | 4.1871% | 3,409 |
| Cash dividends to net income (ytd only)* | 61.5578% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 4,101 |
| Loan loss allowance to noncurrent loans | 120.2740% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 6,014 |
| Noncurrent loans to loans | 1.2170% | 4,933 |
| Net loans and leases to total assets | 47.0521% | 6,702 |
| Net loans and leases to deposits | 54.8366% | 6,805 |
| Net loans and leases to core deposits | 58.0692% | 6,824 |
| Total domestic deposits to total assets | 85.8041% | 3,201 |
| Equity capital to assets | 12.0289% | 2,079 |
| Core capital (leverage) ratio | 11.5197% | 1,909 |
| Tier 1 risk-based capital ratio | 19.8851% | 1,533 |
| Total risk-based capital ratio | 21.0918% | 1,505 |
| Memoranda: | ||
| Average total assets | $61,330,000 | 6,253 |
| Average earning assets | $56,200,000 | 6,237 |
| Average equity | $7,452,330 | 5,983 |
| Average total loans | $29,564,330 | 6,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 2,337 |
| Cost of funding earning assets | 1.2904% | 4,872 |
| Net interest margin | 4.2670% | 1,797 |
| Noninterest income to average assets | 0.4225% | 4,722 |
| Noninterest expense to average assets | 2.5746% | 5,458 |
| Loan and lease loss provision to assets | 0.4489% | 2,722 |
| Net operating income to assets | 1.2411% | 1,428 |
| Return on assets (ROA) | 1.2411% | 1,500 |
| Pretax return on assets | 1.2411% | 2,234 |
| Return on Equity (ROE) | 10.1608% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.4047% | 2,931 |
| Net charge-offs to loans | 0.7087% | 2,083 |
| Credit loss provision to net charge-offs | 130.7692% | 2,696 |
| Earnings coverage of net charge-offs (x) | 4.9231% | 2,511 |
| Efficiency ratio | 60.3715% | 6,103 |
| Assets per employee ($millions) | 4.1501% | 3,561 |
| Cash dividends to net income (ytd only)* | 46.8085% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,175 |
| Loan loss allowance to noncurrent loans | 91.2206% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,627 |
| Noncurrent loans to loans | 1.5874% | 4,359 |
| Net loans and leases to total assets | 46.5752% | 6,784 |
| Net loans and leases to deposits | 54.1266% | 6,909 |
| Net loans and leases to core deposits | 58.1637% | 6,869 |
| Total domestic deposits to total assets | 86.0486% | 3,136 |
| Equity capital to assets | 11.9305% | 2,082 |
| Core capital (leverage) ratio | 11.8548% | 1,720 |
| Tier 1 risk-based capital ratio | 23.1032% | 1,053 |
| Total risk-based capital ratio | 24.3548% | 1,039 |
| Memoranda: | ||
| Average total assets | $60,591,500 | 6,354 |
| Average earning assets | $54,558,500 | 6,378 |
| Average equity | $7,401,000 | 6,057 |
| Average total loans | $29,351,000 | 6,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9318% | 2,121 |
| Cost of funding earning assets | 1.6995% | 4,512 |
| Net interest margin | 4.2323% | 1,967 |
| Noninterest income to average assets | 0.4025% | 5,180 |
| Noninterest expense to average assets | 2.6128% | 5,755 |
| Loan and lease loss provision to assets | 0.3675% | 4,592 |
| Net operating income to assets | 1.2618% | 1,110 |
| Return on assets (ROA) | 1.2618% | 1,166 |
| Pretax return on assets | 1.2618% | 1,804 |
| Return on Equity (ROE) | 9.5888% | 1,824 |
| Retained earnings to average equity (ytd only) | 1.2767% | 4,150 |
| Net charge-offs to loans | 1.2301% | 2,008 |
| Credit loss provision to net charge-offs | 59.3220% | 6,650 |
| Earnings coverage of net charge-offs (x) | 2.6299% | 3,802 |
| Efficiency ratio | 61.5924% | 6,223 |
| Assets per employee ($millions) | 4.2094% | 3,422 |
| Cash dividends to net income (ytd only)* | 86.6852% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,236 |
| Loan loss allowance to noncurrent loans | 42.0082% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6867% | 3,837 |
| Noncurrent loans to loans | 3.3331% | 2,285 |
| Net loans and leases to total assets | 48.9929% | 6,729 |
| Net loans and leases to deposits | 57.3551% | 6,822 |
| Net loans and leases to core deposits | 73.1140% | 6,591 |
| Total domestic deposits to total assets | 85.4202% | 3,342 |
| Equity capital to assets | 12.5146% | 1,742 |
| Core capital (leverage) ratio | 12.1554% | 1,600 |
| Tier 1 risk-based capital ratio | 23.4300% | 997 |
| Total risk-based capital ratio | 24.6807% | 980 |
| Memoranda: | ||
| Average total assets | $57,142,000 | 6,459 |
| Average earning assets | $51,839,400 | 6,469 |
| Average equity | $7,519,200 | 6,078 |
| Average total loans | $28,778,800 | 6,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9632% | 2,179 |
| Cost of funding earning assets | 1.7636% | 4,568 |
| Net interest margin | 4.1996% | 2,063 |
| Noninterest income to average assets | 0.4092% | 5,219 |
| Noninterest expense to average assets | 2.7280% | 5,202 |
| Loan and lease loss provision to assets | 0.0470% | 6,898 |
| Net operating income to assets | 1.4534% | 908 |
| Return on assets (ROA) | 1.4534% | 968 |
| Pretax return on assets | 1.4534% | 1,547 |
| Return on Equity (ROE) | 10.9061% | 1,653 |
| Retained earnings to average equity (ytd only) | 2.6294% | 3,856 |
| Net charge-offs to loans | 1.1215% | 1,789 |
| Credit loss provision to net charge-offs | 8.2988% | 6,626 |
| Earnings coverage of net charge-offs (x) | 2.6473% | 3,898 |
| Efficiency ratio | 64.5161% | 5,659 |
| Assets per employee ($millions) | 4.0594% | 3,619 |
| Cash dividends to net income (ytd only)* | 75.8902% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,358 |
| Loan loss allowance to noncurrent loans | 38.9019% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 4,086 |
| Noncurrent loans to loans | 2.9825% | 2,534 |
| Net loans and leases to total assets | 49.9164% | 6,786 |
| Net loans and leases to deposits | 59.2766% | 6,886 |
| Net loans and leases to core deposits | 74.4899% | 6,700 |
| Total domestic deposits to total assets | 84.2093% | 3,624 |
| Equity capital to assets | 13.3396% | 1,559 |
| Core capital (leverage) ratio | 12.4565% | 1,599 |
| Tier 1 risk-based capital ratio | 24.3587% | 967 |
| Total risk-based capital ratio | 25.4962% | 954 |
| Memoranda: | ||
| Average total assets | $56,694,750 | 6,516 |
| Average earning assets | $51,559,500 | 6,515 |
| Average equity | $7,555,250 | 6,126 |
| Average total loans | $28,653,000 | 6,764 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9954% | 2,199 |
| Cost of funding earning assets | 1.8040% | 4,735 |
| Net interest margin | 4.1913% | 2,029 |
| Noninterest income to average assets | 0.3989% | 5,298 |
| Noninterest expense to average assets | 2.8173% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4122% | 1,002 |
| Return on assets (ROA) | 1.4122% | 1,066 |
| Pretax return on assets | 1.4122% | 1,688 |
| Return on Equity (ROE) | 10.6007% | 1,822 |
| Retained earnings to average equity (ytd only) | 2.3322% | 4,038 |
| Net charge-offs to loans | 1.3758% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.0305% | 4,071 |
| Efficiency ratio | 66.6110% | 5,435 |
| Assets per employee ($millions) | 4.0689% | 3,557 |
| Cash dividends to net income (ytd only)* | 78.0000% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 4,513 |
| Loan loss allowance to noncurrent loans | 47.8552% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,300 |
| Noncurrent loans to loans | 2.6396% | 2,742 |
| Net loans and leases to total assets | 48.9871% | 6,960 |
| Net loans and leases to deposits | 58.0242% | 7,026 |
| Net loans and leases to core deposits | 73.0001% | 6,843 |
| Total domestic deposits to total assets | 84.4253% | 3,539 |
| Equity capital to assets | 13.1539% | 1,638 |
| Core capital (leverage) ratio | 12.3656% | 1,665 |
| Tier 1 risk-based capital ratio | 24.7558% | 965 |
| Total risk-based capital ratio | 26.0055% | 947 |
| Memoranda: | ||
| Average total assets | $56,649,330 | 6,567 |
| Average earning assets | $51,773,330 | 6,567 |
| Average equity | $7,546,670 | 6,163 |
| Average total loans | $28,637,000 | 6,811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1768% | 1,668 |
| Cost of funding earning assets | 1.8746% | 4,772 |
| Net interest margin | 4.3023% | 1,595 |
| Noninterest income to average assets | 0.4036% | 5,187 |
| Noninterest expense to average assets | 2.9314% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4374% | 1,065 |
| Return on assets (ROA) | 1.4374% | 1,147 |
| Pretax return on assets | 1.4374% | 1,855 |
| Return on Equity (ROE) | 10.7216% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.4823% | 4,490 |
| Net charge-offs to loans | 0.0139% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 208 |
| Efficiency ratio | 67.0989% | 5,126 |
| Assets per employee ($millions) | 3.5832% | 4,611 |
| Cash dividends to net income (ytd only)* | 76.8473% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 1,527 |
| Loan loss allowance to noncurrent loans | 77.1269% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 4,133 |
| Noncurrent loans to loans | 2.5274% | 2,609 |
| Net loans and leases to total assets | 48.5183% | 6,981 |
| Net loans and leases to deposits | 57.3668% | 7,077 |
| Net loans and leases to core deposits | 72.1950% | 6,907 |
| Total domestic deposits to total assets | 84.5755% | 3,426 |
| Equity capital to assets | 13.1447% | 1,681 |
| Core capital (leverage) ratio | 12.4030% | 1,720 |
| Tier 1 risk-based capital ratio | 24.3930% | 1,031 |
| Total risk-based capital ratio | 25.6521% | 1,010 |
| Memoranda: | ||
| Average total assets | $56,492,000 | 6,607 |
| Average earning assets | $52,065,500 | 6,572 |
| Average equity | $7,573,500 | 6,197 |
| Average total loans | $28,824,500 | 6,829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6453% | 2,268 |
| Cost of funding earning assets | 2.4373% | 4,537 |
| Net interest margin | 4.2080% | 2,284 |
| Noninterest income to average assets | 0.4038% | 5,441 |
| Noninterest expense to average assets | 2.5985% | 5,660 |
| Loan and lease loss provision to assets | 0.0548% | 6,726 |
| Net operating income to assets | 1.7762% | 582 |
| Return on assets (ROA) | 1.7762% | 557 |
| Pretax return on assets | 1.7762% | 987 |
| Return on Equity (ROE) | 13.6713% | 1,167 |
| Retained earnings to average equity (ytd only) | 4.8806% | 2,094 |
| Net charge-offs to loans | 0.4534% | 2,567 |
| Credit loss provision to net charge-offs | 22.7273% | 6,567 |
| Earnings coverage of net charge-offs (x) | 7.5909% | 3,072 |
| Efficiency ratio | 58.6634% | 6,581 |
| Assets per employee ($millions) | 3.4783% | 4,729 |
| Cash dividends to net income (ytd only)* | 64.3004% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 1,426 |
| Loan loss allowance to noncurrent loans | 80.9038% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 3,718 |
| Noncurrent loans to loans | 2.3429% | 2,354 |
| Net loans and leases to total assets | 51.6145% | 6,880 |
| Net loans and leases to deposits | 61.3703% | 6,998 |
| Net loans and leases to core deposits | 76.7433% | 6,817 |
| Total domestic deposits to total assets | 84.1033% | 3,274 |
| Equity capital to assets | 13.6758% | 1,541 |
| Core capital (leverage) ratio | 12.6407% | 1,688 |
| Tier 1 risk-based capital ratio | 23.9237% | 1,095 |
| Total risk-based capital ratio | 25.1807% | 1,072 |
| Memoranda: | ||
| Average total assets | $54,723,800 | 6,591 |
| Average earning assets | $52,352,800 | 6,490 |
| Average equity | $7,109,800 | 6,420 |
| Average total loans | $29,110,800 | 6,765 |