Home > Home Bank and Trust Company > Performance and Condition Ratios
Home Bank and 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 | 5.3567% | 1,383 |
| Cost of funding earning assets | 1.3471% | 2,368 |
| Net interest margin | 4.0096% | 1,190 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.9309% | 1,215 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3252% | 1,380 |
| Return on assets (ROA) | 1.3252% | 1,347 |
| Pretax return on assets | 1.3738% | 1,694 |
| Return on Equity (ROE) | 17.2900% | 915 |
| Retained earnings to average equity (ytd only) | 7.4414% | 1,738 |
| Net charge-offs to loans | 0.0016% | 2,769 |
| Credit loss provision to net charge-offs | 4,750.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 1,066.5000% | 146 |
| Efficiency ratio | 67.0884% | 2,221 |
| Assets per employee ($millions) | 5.0285% | 3,612 |
| Cash dividends to net income (ytd only)* | 56.9685% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,537 |
| Loan loss allowance to noncurrent loans | 6,404.1667% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 3,650 |
| Noncurrent loans to loans | 0.0180% | 3,618 |
| Net loans and leases to total assets | 84.5600% | 237 |
| Net loans and leases to deposits | 93.2336% | 996 |
| Net loans and leases to core deposits | 105.3705% | 1,142 |
| Total domestic deposits to total assets | 90.6900% | 581 |
| Equity capital to assets | 7.6237% | 3,648 |
| Core capital (leverage) ratio | 7.7014% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2166% | 2,780 |
| Memoranda: | ||
| Average total assets | $148,352,200 | 3,379 |
| Average earning assets | $139,040,400 | 3,354 |
| Average equity | $11,368,800 | 3,585 |
| Average total loans | $125,462,400 | 2,898 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 1,371 |
| Cost of funding earning assets | 1.2483% | 2,283 |
| Net interest margin | 3.9928% | 1,228 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.8820% | 1,264 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3591% | 1,403 |
| Return on assets (ROA) | 1.3591% | 1,382 |
| Pretax return on assets | 1.4082% | 1,760 |
| Return on Equity (ROE) | 17.7100% | 983 |
| Retained earnings to average equity (ytd only) | 7.7460% | 2,056 |
| Net charge-offs to loans | 0.0443% | 1,255 |
| Credit loss provision to net charge-offs | 158.5366% | 1,285 |
| Earnings coverage of net charge-offs (x) | 39.3171% | 1,456 |
| Efficiency ratio | 66.2620% | 2,241 |
| Assets per employee ($millions) | 4.8720% | 3,693 |
| Cash dividends to net income (ytd only)* | 56.2626% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,786 |
| Loan loss allowance to noncurrent loans | 5,872.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,670 |
| Noncurrent loans to loans | 0.0190% | 3,629 |
| Net loans and leases to total assets | 86.1400% | 150 |
| Net loans and leases to deposits | 95.1217% | 811 |
| Net loans and leases to core deposits | 109.2031% | 905 |
| Total domestic deposits to total assets | 90.5600% | 786 |
| Equity capital to assets | 7.7010% | 3,243 |
| Core capital (leverage) ratio | 7.7639% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1483% | 2,796 |
| Memoranda: | ||
| Average total assets | $146,469,750 | 3,404 |
| Average earning assets | $137,144,500 | 3,379 |
| Average equity | $11,240,000 | 3,598 |
| Average total loans | $123,491,500 | 2,919 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 1,249 |
| Cost of funding earning assets | 1.1147% | 2,235 |
| Net interest margin | 4.0578% | 1,145 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.8548% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5054% | 1,092 |
| Return on assets (ROA) | 1.5054% | 1,093 |
| Pretax return on assets | 1.5578% | 1,484 |
| Return on Equity (ROE) | 19.6400% | 748 |
| Retained earnings to average equity (ytd only) | 9.5592% | 1,520 |
| Net charge-offs to loans | 0.0248% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 75.2667% | 1,083 |
| Efficiency ratio | 64.6967% | 2,409 |
| Assets per employee ($millions) | 4.7530% | 3,788 |
| Cash dividends to net income (ytd only)* | 51.3291% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 2,913 |
| Loan loss allowance to noncurrent loans | 793.8889% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 2,686 |
| Noncurrent loans to loans | 0.1397% | 2,772 |
| Net loans and leases to total assets | 86.4500% | 132 |
| Net loans and leases to deposits | 94.7161% | 803 |
| Net loans and leases to core deposits | 109.2201% | 861 |
| Total domestic deposits to total assets | 91.2700% | 565 |
| Equity capital to assets | 7.7608% | 3,366 |
| Core capital (leverage) ratio | 7.9562% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2461% | 2,811 |
| Memoranda: | ||
| Average total assets | $144,949,000 | 3,429 |
| Average earning assets | $135,640,667 | 3,404 |
| Average equity | $11,109,667 | 3,626 |
| Average total loans | $120,800,000 | 2,935 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 1,252 |
| Cost of funding earning assets | 0.9246% | 2,295 |
| Net interest margin | 4.0612% | 1,159 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.8494% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4942% | 1,196 |
| Return on assets (ROA) | 1.4942% | 1,177 |
| Pretax return on assets | 1.5443% | 1,582 |
| Return on Equity (ROE) | 19.6200% | 807 |
| Retained earnings to average equity (ytd only) | 9.3907% | 1,840 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.8512% | 2,349 |
| Assets per employee ($millions) | 4.7913% | 3,803 |
| Cash dividends to net income (ytd only)* | 52.1415% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,470 |
| Loan loss allowance to noncurrent loans | 1,223.7288% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 2,981 |
| Noncurrent loans to loans | 0.0994% | 3,046 |
| Net loans and leases to total assets | 81.5400% | 416 |
| Net loans and leases to deposits | 88.5239% | 1,167 |
| Net loans and leases to core deposits | 96.9447% | 1,233 |
| Total domestic deposits to total assets | 92.1200% | 490 |
| Equity capital to assets | 7.6952% | 3,450 |
| Core capital (leverage) ratio | 7.8019% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4212% | 2,873 |
| Memoranda: | ||
| Average total assets | $143,751,500 | 3,483 |
| Average earning assets | $134,543,000 | 3,464 |
| Average equity | $10,947,000 | 3,679 |
| Average total loans | $116,796,000 | 3,016 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 1,519 |
| Cost of funding earning assets | 0.4666% | 1,604 |
| Net interest margin | 3.6130% | 1,610 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.9141% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2142% | 1,717 |
| Return on assets (ROA) | 1.2142% | 1,664 |
| Pretax return on assets | 1.2601% | 2,235 |
| Return on Equity (ROE) | 17.2200% | 828 |
| Retained earnings to average equity (ytd only) | 6.8722% | 2,293 |
| Net charge-offs to loans | 0.0028% | 2,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 621.6667% | 275 |
| Efficiency ratio | 69.8122% | 1,712 |
| Assets per employee ($millions) | 4.6375% | 3,948 |
| Cash dividends to net income (ytd only)* | 60.1002% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,112 |
| Loan loss allowance to noncurrent loans | 2,123.5294% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,335 |
| Noncurrent loans to loans | 0.0592% | 3,330 |
| Net loans and leases to total assets | 78.9400% | 702 |
| Net loans and leases to deposits | 85.5266% | 1,351 |
| Net loans and leases to core deposits | 92.7655% | 1,353 |
| Total domestic deposits to total assets | 92.3000% | 563 |
| Equity capital to assets | 7.5353% | 3,365 |
| Core capital (leverage) ratio | 7.5487% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3322% | 2,912 |
| Memoranda: | ||
| Average total assets | $148,002,400 | 3,464 |
| Average earning assets | $138,888,400 | 3,429 |
| Average equity | $10,433,400 | 3,820 |
| Average total loans | $107,582,600 | 3,051 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 1,679 |
| Cost of funding earning assets | 0.3992% | 1,296 |
| Net interest margin | 3.4225% | 1,907 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.8739% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1565% | 1,872 |
| Return on assets (ROA) | 1.1565% | 1,846 |
| Pretax return on assets | 1.2004% | 2,364 |
| Return on Equity (ROE) | 16.6800% | 859 |
| Retained earnings to average equity (ytd only) | 6.3610% | 2,613 |
| Net charge-offs to loans | 0.0025% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 671.0000% | 244 |
| Efficiency ratio | 70.5379% | 1,697 |
| Assets per employee ($millions) | 4.6249% | 3,960 |
| Cash dividends to net income (ytd only)* | 61.8716% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,136 |
| Loan loss allowance to noncurrent loans | 2,094.2029% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,418 |
| Noncurrent loans to loans | 0.0611% | 3,441 |
| Net loans and leases to total assets | 77.8100% | 723 |
| Net loans and leases to deposits | 84.1912% | 1,285 |
| Net loans and leases to core deposits | 90.1331% | 1,287 |
| Total domestic deposits to total assets | 92.4200% | 737 |
| Equity capital to assets | 7.3724% | 3,288 |
| Core capital (leverage) ratio | 7.3590% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1150% | 3,022 |
| Memoranda: | ||
| Average total assets | $149,062,000 | 3,480 |
| Average earning assets | $139,935,000 | 3,445 |
| Average equity | $10,333,500 | 3,881 |
| Average total loans | $105,744,000 | 3,085 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 2,030 |
| Cost of funding earning assets | 0.3623% | 1,175 |
| Net interest margin | 3.1709% | 2,283 |
| Noninterest income to average assets | 0.9075% | 827 |
| Noninterest expense to average assets | 2.8935% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9539% | 2,343 |
| Return on assets (ROA) | 0.9539% | 2,315 |
| Pretax return on assets | 0.9937% | 2,758 |
| Return on Equity (ROE) | 14.0424% | 1,107 |
| Retained earnings to average equity (ytd only) | 3.9007% | 3,119 |
| Net charge-offs to loans | 0.0039% | 1,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 335 |
| Efficiency ratio | 74.4376% | 1,462 |
| Assets per employee ($millions) | 4.6941% | 3,934 |
| Cash dividends to net income (ytd only)* | 72.2222% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.1500% | 806 |
| Net loans and leases to deposits | 81.0297% | 1,312 |
| Net loans and leases to core deposits | 86.6111% | 1,293 |
| Total domestic deposits to total assets | 92.7438% | 574 |
| Equity capital to assets | 7.1133% | 3,711 |
| Core capital (leverage) ratio | 7.0543% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9423% | 3,021 |
| Memoranda: | ||
| Average total assets | $150,958,333 | 3,490 |
| Average earning assets | $141,852,000 | 3,477 |
| Average equity | $10,254,667 | 3,955 |
| Average total loans | $103,325,333 | 3,143 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 2,495 |
| Cost of funding earning assets | 0.3735% | 1,033 |
| Net interest margin | 2.8881% | 2,877 |
| Noninterest income to average assets | 0.9084% | 824 |
| Noninterest expense to average assets | 2.9620% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6299% | 3,301 |
| Return on assets (ROA) | 0.6299% | 3,281 |
| Pretax return on assets | 0.6637% | 3,488 |
| Return on Equity (ROE) | 9.4842% | 2,158 |
| Retained earnings to average equity (ytd only) | 0.0784% | 4,002 |
| Net charge-offs to loans | 0.0080% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 593 |
| Efficiency ratio | 81.6942% | 1,012 |
| Assets per employee ($millions) | 4.9318% | 3,809 |
| Cash dividends to net income (ytd only)* | 99.1736% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 1,842 |
| Loan loss allowance to noncurrent loans | 2,035.2113% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,577 |
| Noncurrent loans to loans | 0.0697% | 3,505 |
| Net loans and leases to total assets | 65.7010% | 1,442 |
| Net loans and leases to deposits | 70.4817% | 1,921 |
| Net loans and leases to core deposits | 75.0512% | 1,847 |
| Total domestic deposits to total assets | 93.2171% | 222 |
| Equity capital to assets | 6.6357% | 4,372 |
| Core capital (leverage) ratio | 6.6259% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2741% | 3,014 |
| Memoranda: | ||
| Average total assets | $153,679,000 | 3,480 |
| Average earning assets | $144,594,000 | 3,468 |
| Average equity | $10,206,500 | 4,030 |
| Average total loans | $99,587,500 | 3,198 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 2,299 |
| Cost of funding earning assets | 0.5247% | 813 |
| Net interest margin | 3.1082% | 2,879 |
| Noninterest income to average assets | 1.5362% | 478 |
| Noninterest expense to average assets | 3.1523% | 784 |
| Loan and lease loss provision to assets | 0.0403% | 2,236 |
| Net operating income to assets | 1.1689% | 2,026 |
| Return on assets (ROA) | 1.1689% | 2,086 |
| Pretax return on assets | 1.2710% | 2,456 |
| Return on Equity (ROE) | 17.2674% | 549 |
| Retained earnings to average equity (ytd only) | 6.0302% | 2,347 |
| Net charge-offs to loans | -0.0061% | 3,600 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6227% | 1,663 |
| Assets per employee ($millions) | 4.9830% | 3,746 |
| Cash dividends to net income (ytd only)* | 65.0775% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,447.0000% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,523 |
| Noncurrent loans to loans | 0.1028% | 3,414 |
| Net loans and leases to total assets | 62.0406% | 1,939 |
| Net loans and leases to deposits | 66.5773% | 2,455 |
| Net loans and leases to core deposits | 70.6276% | 2,389 |
| Total domestic deposits to total assets | 93.1859% | 40 |
| Equity capital to assets | 6.6471% | 4,769 |
| Core capital (leverage) ratio | 6.9274% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4079% | 3,000 |
| Memoranda: | ||
| Average total assets | $148,941,000 | 3,492 |
| Average earning assets | $140,273,600 | 3,468 |
| Average equity | $10,082,600 | 4,113 |
| Average total loans | $97,943,800 | 3,226 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 2,164 |
| Cost of funding earning assets | 0.5526% | 820 |
| Net interest margin | 3.1908% | 2,756 |
| Noninterest income to average assets | 1.5921% | 496 |
| Noninterest expense to average assets | 3.0496% | 893 |
| Loan and lease loss provision to assets | 0.0542% | 1,898 |
| Net operating income to assets | 1.3698% | 1,631 |
| Return on assets (ROA) | 1.3698% | 1,685 |
| Pretax return on assets | 1.4936% | 2,007 |
| Return on Equity (ROE) | 20.1398% | 420 |
| Retained earnings to average equity (ytd only) | 8.8079% | 1,765 |
| Net charge-offs to loans | -0.0082% | 3,594 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3325% | 2,057 |
| Assets per employee ($millions) | 4.8361% | 3,856 |
| Cash dividends to net income (ytd only)* | 56.2665% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,659 |
| Loan loss allowance to noncurrent loans | 5,359.2593% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,084 |
| Noncurrent loans to loans | 0.0279% | 3,998 |
| Net loans and leases to total assets | 63.6484% | 1,817 |
| Net loans and leases to deposits | 68.5609% | 2,384 |
| Net loans and leases to core deposits | 73.2818% | 2,297 |
| Total domestic deposits to total assets | 92.8348% | 44 |
| Equity capital to assets | 6.9104% | 4,827 |
| Core capital (leverage) ratio | 6.9936% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8639% | 2,993 |
| Memoranda: | ||
| Average total assets | $147,558,000 | 3,538 |
| Average earning assets | $138,981,500 | 3,516 |
| Average equity | $10,036,250 | 4,180 |
| Average total loans | $98,109,000 | 3,269 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 1,801 |
| Cost of funding earning assets | 0.5867% | 797 |
| Net interest margin | 3.3181% | 2,392 |
| Noninterest income to average assets | 1.4458% | 580 |
| Noninterest expense to average assets | 3.0047% | 978 |
| Loan and lease loss provision to assets | 0.0818% | 1,490 |
| Net operating income to assets | 1.3327% | 1,768 |
| Return on assets (ROA) | 1.3327% | 1,834 |
| Pretax return on assets | 1.4880% | 2,055 |
| Return on Equity (ROE) | 19.7012% | 478 |
| Retained earnings to average equity (ytd only) | 8.4203% | 1,925 |
| Net charge-offs to loans | -0.0101% | 3,673 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6836% | 2,200 |
| Assets per employee ($millions) | 4.8654% | 3,777 |
| Cash dividends to net income (ytd only)* | 57.2597% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,722 |
| Loan loss allowance to noncurrent loans | 1,338.8889% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,734 |
| Noncurrent loans to loans | 0.1091% | 3,644 |
| Net loans and leases to total assets | 64.6884% | 1,870 |
| Net loans and leases to deposits | 69.5100% | 2,460 |
| Net loans and leases to core deposits | 74.2881% | 2,382 |
| Total domestic deposits to total assets | 93.0635% | 32 |
| Equity capital to assets | 6.7091% | 4,881 |
| Core capital (leverage) ratio | 6.8970% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5823% | 3,029 |
| Memoranda: | ||
| Average total assets | $146,771,000 | 3,551 |
| Average earning assets | $138,393,333 | 3,534 |
| Average equity | $9,928,333 | 4,209 |
| Average total loans | $98,522,667 | 3,274 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 3,162 |
| Cost of funding earning assets | 0.6349% | 747 |
| Net interest margin | 2.7768% | 3,817 |
| Noninterest income to average assets | 2.2302% | 314 |
| Noninterest expense to average assets | 3.0260% | 953 |
| Loan and lease loss provision to assets | 0.1658% | 759 |
| Net operating income to assets | 1.4398% | 1,469 |
| Return on assets (ROA) | 1.4398% | 1,542 |
| Pretax return on assets | 1.6609% | 1,578 |
| Return on Equity (ROE) | 21.1939% | 451 |
| Retained earnings to average equity (ytd only) | 9.8037% | 1,708 |
| Net charge-offs to loans | -0.0081% | 3,586 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3576% | 2,691 |
| Assets per employee ($millions) | 4.5666% | 4,044 |
| Cash dividends to net income (ytd only)* | 53.7428% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,672 |
| Loan loss allowance to noncurrent loans | 1,336.1111% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,842 |
| Noncurrent loans to loans | 0.1108% | 3,752 |
| Net loans and leases to total assets | 65.6956% | 1,829 |
| Net loans and leases to deposits | 70.6987% | 2,440 |
| Net loans and leases to core deposits | 75.6915% | 2,378 |
| Total domestic deposits to total assets | 92.9234% | 37 |
| Equity capital to assets | 6.8097% | 4,877 |
| Core capital (leverage) ratio | 6.8569% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5904% | 2,993 |
| Memoranda: | ||
| Average total assets | $144,743,500 | 3,579 |
| Average earning assets | $136,704,000 | 3,552 |
| Average equity | $9,833,000 | 4,232 |
| Average total loans | $98,277,500 | 3,283 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 1,954 |
| Cost of funding earning assets | 0.8151% | 1,147 |
| Net interest margin | 3.4546% | 2,617 |
| Noninterest income to average assets | 2.5170% | 239 |
| Noninterest expense to average assets | 3.6901% | 533 |
| Loan and lease loss provision to assets | 0.2211% | 1,769 |
| Net operating income to assets | 1.8100% | 375 |
| Return on assets (ROA) | 1.8100% | 410 |
| Pretax return on assets | 1.8617% | 597 |
| Return on Equity (ROE) | 24.9321% | 111 |
| Retained earnings to average equity (ytd only) | 12.2798% | 294 |
| Net charge-offs to loans | 0.0102% | 2,954 |
| Credit loss provision to net charge-offs | 2,780.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 261.9000% | 381 |
| Efficiency ratio | 63.9207% | 2,837 |
| Assets per employee ($millions) | 4.4799% | 3,935 |
| Cash dividends to net income (ytd only)* | 50.7469% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 2,000 |
| Loan loss allowance to noncurrent loans | 383.6111% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 3,032 |
| Noncurrent loans to loans | 0.3632% | 2,894 |
| Net loans and leases to total assets | 68.1725% | 1,804 |
| Net loans and leases to deposits | 73.3131% | 2,559 |
| Net loans and leases to core deposits | 80.2842% | 2,339 |
| Total domestic deposits to total assets | 92.9881% | 14 |
| Equity capital to assets | 6.7768% | 4,935 |
| Core capital (leverage) ratio | 7.7311% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2144% | 3,058 |
| Memoranda: | ||
| Average total assets | $125,743,000 | 3,677 |
| Average earning assets | $118,508,200 | 3,637 |
| Average equity | $9,128,800 | 4,297 |
| Average total loans | $98,328,400 | 3,257 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 1,759 |
| Cost of funding earning assets | 0.8564% | 1,224 |
| Net interest margin | 3.5751% | 2,347 |
| Noninterest income to average assets | 2.3932% | 252 |
| Noninterest expense to average assets | 3.4964% | 712 |
| Loan and lease loss provision to assets | 0.3058% | 1,318 |
| Net operating income to assets | 1.9086% | 366 |
| Return on assets (ROA) | 1.9086% | 398 |
| Pretax return on assets | 1.9581% | 558 |
| Return on Equity (ROE) | 25.7835% | 104 |
| Retained earnings to average equity (ytd only) | 12.7953% | 349 |
| Net charge-offs to loans | 0.0285% | 2,260 |
| Credit loss provision to net charge-offs | 1,323.8095% | 684 |
| Earnings coverage of net charge-offs (x) | 98.0952% | 798 |
| Efficiency ratio | 60.7020% | 3,276 |
| Assets per employee ($millions) | 4.4733% | 3,877 |
| Cash dividends to net income (ytd only)* | 50.3742% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,222 |
| Loan loss allowance to noncurrent loans | 1,122.9508% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,973 |
| Noncurrent loans to loans | 0.1144% | 3,915 |
| Net loans and leases to total assets | 78.4432% | 779 |
| Net loans and leases to deposits | 84.7509% | 1,833 |
| Net loans and leases to core deposits | 92.3283% | 1,766 |
| Total domestic deposits to total assets | 92.5573% | 23 |
| Equity capital to assets | 7.0612% | 4,942 |
| Core capital (leverage) ratio | 7.7494% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2650% | 3,065 |
| Memoranda: | ||
| Average total assets | $121,339,500 | 3,721 |
| Average earning assets | $114,269,750 | 3,692 |
| Average equity | $8,982,250 | 4,324 |
| Average total loans | $98,132,750 | 3,273 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 1,724 |
| Cost of funding earning assets | 0.8955% | 1,399 |
| Net interest margin | 3.6761% | 2,251 |
| Noninterest income to average assets | 2.2656% | 255 |
| Noninterest expense to average assets | 3.5488% | 703 |
| Loan and lease loss provision to assets | 0.4750% | 786 |
| Net operating income to assets | 1.6608% | 666 |
| Return on assets (ROA) | 1.6608% | 725 |
| Pretax return on assets | 1.7069% | 986 |
| Return on Equity (ROE) | 22.0466% | 162 |
| Retained earnings to average equity (ytd only) | 10.2521% | 741 |
| Net charge-offs to loans | 0.0210% | 2,303 |
| Credit loss provision to net charge-offs | 2,780.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 127.7000% | 596 |
| Efficiency ratio | 61.9261% | 3,140 |
| Assets per employee ($millions) | 4.1073% | 4,198 |
| Cash dividends to net income (ytd only)* | 53.4979% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 1,815 |
| Loan loss allowance to noncurrent loans | 1,302.8302% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,099 |
| Noncurrent loans to loans | 0.1030% | 4,039 |
| Net loans and leases to total assets | 82.3980% | 384 |
| Net loans and leases to deposits | 89.2571% | 1,423 |
| Net loans and leases to core deposits | 94.7754% | 1,686 |
| Total domestic deposits to total assets | 92.3153% | 33 |
| Equity capital to assets | 7.3649% | 4,910 |
| Core capital (leverage) ratio | 7.5816% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9708% | 3,166 |
| Memoranda: | ||
| Average total assets | $117,053,000 | 3,760 |
| Average earning assets | $110,334,333 | 3,735 |
| Average equity | $8,817,667 | 4,361 |
| Average total loans | $95,297,000 | 3,310 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 1,444 |
| Cost of funding earning assets | 0.9360% | 1,713 |
| Net interest margin | 3.8558% | 1,807 |
| Noninterest income to average assets | 1.4179% | 444 |
| Noninterest expense to average assets | 3.4711% | 975 |
| Loan and lease loss provision to assets | 0.0737% | 2,813 |
| Net operating income to assets | 1.4565% | 862 |
| Return on assets (ROA) | 1.4565% | 936 |
| Pretax return on assets | 1.5021% | 1,300 |
| Return on Equity (ROE) | 19.1046% | 207 |
| Retained earnings to average equity (ytd only) | 8.0562% | 1,216 |
| Net charge-offs to loans | 0.0568% | 1,439 |
| Credit loss provision to net charge-offs | 161.5385% | 1,546 |
| Earnings coverage of net charge-offs (x) | 34.5385% | 1,101 |
| Efficiency ratio | 68.7761% | 2,543 |
| Assets per employee ($millions) | 3.8760% | 4,081 |
| Cash dividends to net income (ytd only)* | 57.8313% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,570 |
| Loan loss allowance to noncurrent loans | 2,606.9767% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,431 |
| Noncurrent loans to loans | 0.0467% | 4,367 |
| Net loans and leases to total assets | 78.1624% | 953 |
| Net loans and leases to deposits | 84.8580% | 2,122 |
| Net loans and leases to core deposits | 90.1998% | 2,322 |
| Total domestic deposits to total assets | 92.1096% | 32 |
| Equity capital to assets | 7.5472% | 5,028 |
| Core capital (leverage) ratio | 7.5357% | 5,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9581% | 3,335 |
| Memoranda: | ||
| Average total assets | $113,970,000 | 3,791 |
| Average earning assets | $107,267,500 | 3,763 |
| Average equity | $8,689,000 | 4,398 |
| Average total loans | $91,490,000 | 3,367 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 1,507 |
| Cost of funding earning assets | 0.8411% | 2,483 |
| Net interest margin | 4.1505% | 1,424 |
| Noninterest income to average assets | 1.4024% | 484 |
| Noninterest expense to average assets | 3.7257% | 736 |
| Loan and lease loss provision to assets | 0.1129% | 1,857 |
| Net operating income to assets | 1.3517% | 1,498 |
| Return on assets (ROA) | 1.3517% | 1,578 |
| Pretax return on assets | 1.4024% | 2,150 |
| Return on Equity (ROE) | 17.2348% | 394 |
| Retained earnings to average equity (ytd only) | 6.4286% | 1,647 |
| Net charge-offs to loans | 0.0246% | 2,911 |
| Credit loss provision to net charge-offs | 545.4545% | 544 |
| Earnings coverage of net charge-offs (x) | 73.2273% | 852 |
| Efficiency ratio | 71.0876% | 2,009 |
| Assets per employee ($millions) | 3.6019% | 4,368 |
| Cash dividends to net income (ytd only)* | 62.7001% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.4754% | 728 |
| Net loans and leases to deposits | 87.5093% | 1,909 |
| Net loans and leases to core deposits | 97.0179% | 1,813 |
| Total domestic deposits to total assets | 91.9621% | 40 |
| Equity capital to assets | 7.7038% | 5,095 |
| Core capital (leverage) ratio | 8.1137% | 5,004 |
| Tier 1 risk-based capital ratio | 9.8153% | 5,138 |
| Total risk-based capital ratio | 11.0674% | 5,110 |
| Memoranda: | ||
| Average total assets | $106,314,200 | 3,891 |
| Average earning assets | $98,325,800 | 3,902 |
| Average equity | $8,337,800 | 4,468 |
| Average total loans | $89,419,600 | 3,407 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 1,447 |
| Cost of funding earning assets | 0.8065% | 2,680 |
| Net interest margin | 4.2328% | 1,299 |
| Noninterest income to average assets | 1.3907% | 470 |
| Noninterest expense to average assets | 3.6261% | 821 |
| Loan and lease loss provision to assets | 0.1143% | 1,701 |
| Net operating income to assets | 1.4911% | 1,211 |
| Return on assets (ROA) | 1.4911% | 1,268 |
| Pretax return on assets | 1.5431% | 1,831 |
| Return on Equity (ROE) | 18.9233% | 320 |
| Retained earnings to average equity (ytd only) | 8.2689% | 1,293 |
| Net charge-offs to loans | 0.0180% | 2,775 |
| Credit loss provision to net charge-offs | 750.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 108.7475% | 705 |
| Efficiency ratio | 68.6298% | 2,315 |
| Assets per employee ($millions) | 3.5125% | 4,488 |
| Cash dividends to net income (ytd only)* | 56.3033% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,372 |
| Loan loss allowance to noncurrent loans | 1,270.9302% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,203 |
| Noncurrent loans to loans | 0.0964% | 4,215 |
| Net loans and leases to total assets | 83.6536% | 389 |
| Net loans and leases to deposits | 91.4305% | 1,513 |
| Net loans and leases to core deposits | 100.5200% | 1,623 |
| Total domestic deposits to total assets | 91.4942% | 63 |
| Equity capital to assets | 8.1329% | 5,106 |
| Core capital (leverage) ratio | 8.2005% | 5,061 |
| Tier 1 risk-based capital ratio | 10.0520% | 5,182 |
| Total risk-based capital ratio | 11.3036% | 5,121 |
| Memoranda: | ||
| Average total assets | $104,978,000 | 3,956 |
| Average earning assets | $96,545,000 | 3,972 |
| Average equity | $8,271,750 | 4,528 |
| Average total loans | $89,031,750 | 3,457 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,608 |
| Cost of funding earning assets | 0.7372% | 2,963 |
| Net interest margin | 4.2140% | 1,328 |
| Noninterest income to average assets | 1.1541% | 641 |
| Noninterest expense to average assets | 3.5462% | 907 |
| Loan and lease loss provision to assets | 0.1145% | 1,639 |
| Net operating income to assets | 1.3239% | 1,681 |
| Return on assets (ROA) | 1.3239% | 1,735 |
| Pretax return on assets | 1.3754% | 2,286 |
| Return on Equity (ROE) | 16.9841% | 465 |
| Retained earnings to average equity (ytd only) | 6.7056% | 1,948 |
| Net charge-offs to loans | 0.0135% | 2,651 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 130.1667% | 564 |
| Efficiency ratio | 70.4167% | 2,164 |
| Assets per employee ($millions) | 3.3934% | 4,614 |
| Cash dividends to net income (ytd only)* | 60.5187% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,685 |
| Loan loss allowance to noncurrent loans | 1,336.2500% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 4,383 |
| Noncurrent loans to loans | 0.0873% | 4,289 |
| Net loans and leases to total assets | 86.1126% | 205 |
| Net loans and leases to deposits | 98.6507% | 783 |
| Net loans and leases to core deposits | 108.5758% | 1,058 |
| Total domestic deposits to total assets | 87.2904% | 1,446 |
| Equity capital to assets | 7.9224% | 5,191 |
| Core capital (leverage) ratio | 8.0294% | 5,161 |
| Tier 1 risk-based capital ratio | 9.5975% | 5,266 |
| Total risk-based capital ratio | 10.8293% | 5,252 |
| Memoranda: | ||
| Average total assets | $104,845,670 | 3,984 |
| Average earning assets | $96,582,000 | 3,996 |
| Average equity | $8,172,330 | 4,563 |
| Average total loans | $88,961,330 | 3,477 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 1,665 |
| Cost of funding earning assets | 0.7069% | 3,016 |
| Net interest margin | 4.1705% | 1,374 |
| Noninterest income to average assets | 1.0471% | 728 |
| Noninterest expense to average assets | 3.5273% | 932 |
| Loan and lease loss provision to assets | 0.1146% | 1,541 |
| Net operating income to assets | 1.1847% | 2,113 |
| Return on assets (ROA) | 1.1847% | 2,160 |
| Pretax return on assets | 1.2382% | 2,672 |
| Return on Equity (ROE) | 15.3247% | 692 |
| Retained earnings to average equity (ytd only) | 4.9435% | 2,929 |
| Net charge-offs to loans | 0.0274% | 1,908 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 925 |
| Efficiency ratio | 72.2788% | 1,992 |
| Assets per employee ($millions) | 3.3897% | 4,663 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,750 |
| Loan loss allowance to noncurrent loans | 697.3154% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 4,093 |
| Noncurrent loans to loans | 0.1676% | 4,000 |
| Net loans and leases to total assets | 83.6195% | 407 |
| Net loans and leases to deposits | 90.9918% | 1,511 |
| Net loans and leases to core deposits | 101.6449% | 1,493 |
| Total domestic deposits to total assets | 91.8978% | 66 |
| Equity capital to assets | 7.7530% | 5,228 |
| Core capital (leverage) ratio | 7.9450% | 5,220 |
| Tier 1 risk-based capital ratio | 9.9593% | 5,294 |
| Total risk-based capital ratio | 11.2111% | 5,248 |
| Memoranda: | ||
| Average total assets | $104,670,500 | 4,028 |
| Average earning assets | $96,199,500 | 4,040 |
| Average equity | $8,091,500 | 4,608 |
| Average total loans | $87,614,000 | 3,549 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 1,639 |
| Cost of funding earning assets | 0.4987% | 3,370 |
| Net interest margin | 4.2624% | 1,243 |
| Noninterest income to average assets | 1.2002% | 637 |
| Noninterest expense to average assets | 3.7391% | 737 |
| Loan and lease loss provision to assets | 0.1454% | 1,472 |
| Net operating income to assets | 1.1942% | 2,199 |
| Return on assets (ROA) | 1.1942% | 2,197 |
| Pretax return on assets | 1.2494% | 2,696 |
| Return on Equity (ROE) | 15.1585% | 793 |
| Retained earnings to average equity (ytd only) | 4.4674% | 3,066 |
| Net charge-offs to loans | 0.0143% | 3,202 |
| Credit loss provision to net charge-offs | 1,208.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 115.9167% | 663 |
| Efficiency ratio | 72.8320% | 1,791 |
| Assets per employee ($millions) | 3.3632% | 4,692 |
| Cash dividends to net income (ytd only)* | 70.5290% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,687 |
| Loan loss allowance to noncurrent loans | 630.4348% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,053 |
| Noncurrent loans to loans | 0.1865% | 3,906 |
| Net loans and leases to total assets | 81.8203% | 678 |
| Net loans and leases to deposits | 95.9874% | 1,072 |
| Net loans and leases to core deposits | 103.3987% | 1,465 |
| Total domestic deposits to total assets | 85.2406% | 2,535 |
| Equity capital to assets | 7.7077% | 5,239 |
| Core capital (leverage) ratio | 8.0689% | 5,218 |
| Tier 1 risk-based capital ratio | 10.1235% | 5,271 |
| Total risk-based capital ratio | 11.3753% | 5,218 |
| Memoranda: | ||
| Average total assets | $99,731,000 | 4,103 |
| Average earning assets | $92,038,000 | 4,105 |
| Average equity | $7,857,000 | 4,631 |
| Average total loans | $84,171,400 | 3,590 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 1,625 |
| Cost of funding earning assets | 0.4874% | 3,276 |
| Net interest margin | 4.2284% | 1,291 |
| Noninterest income to average assets | 1.1778% | 681 |
| Noninterest expense to average assets | 3.6281% | 821 |
| Loan and lease loss provision to assets | 0.1082% | 1,854 |
| Net operating income to assets | 1.2900% | 1,901 |
| Return on assets (ROA) | 1.2900% | 1,899 |
| Pretax return on assets | 1.3482% | 2,438 |
| Return on Equity (ROE) | 16.2817% | 650 |
| Retained earnings to average equity (ytd only) | 5.5296% | 2,937 |
| Net charge-offs to loans | 0.0367% | 2,342 |
| Credit loss provision to net charge-offs | 347.8261% | 905 |
| Earnings coverage of net charge-offs (x) | 46.8197% | 1,224 |
| Efficiency ratio | 71.3564% | 1,987 |
| Assets per employee ($millions) | 3.3671% | 4,712 |
| Cash dividends to net income (ytd only)* | 66.0377% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,187 |
| Loan loss allowance to noncurrent loans | 894.2857% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 4,452 |
| Noncurrent loans to loans | 0.1230% | 4,340 |
| Net loans and leases to total assets | 83.5526% | 508 |
| Net loans and leases to deposits | 91.7969% | 1,649 |
| Net loans and leases to core deposits | 98.0996% | 1,926 |
| Total domestic deposits to total assets | 91.0190% | 214 |
| Equity capital to assets | 7.9198% | 5,202 |
| Core capital (leverage) ratio | 8.0888% | 5,296 |
| Tier 1 risk-based capital ratio | 10.1995% | 5,332 |
| Total risk-based capital ratio | 11.3926% | 5,280 |
| Memoranda: | ||
| Average total assets | $98,599,000 | 4,164 |
| Average earning assets | $91,095,750 | 4,167 |
| Average equity | $7,812,250 | 4,683 |
| Average total loans | $83,634,250 | 3,630 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 1,655 |
| Cost of funding earning assets | 0.4768% | 3,180 |
| Net interest margin | 4.1683% | 1,357 |
| Noninterest income to average assets | 1.1473% | 735 |
| Noninterest expense to average assets | 3.5953% | 872 |
| Loan and lease loss provision to assets | 0.1023% | 1,897 |
| Net operating income to assets | 1.2148% | 2,133 |
| Return on assets (ROA) | 1.2148% | 2,129 |
| Pretax return on assets | 1.2761% | 2,607 |
| Return on Equity (ROE) | 15.3297% | 787 |
| Retained earnings to average equity (ytd only) | 4.4905% | 3,349 |
| Net charge-offs to loans | 0.0554% | 1,813 |
| Credit loss provision to net charge-offs | 217.3913% | 1,227 |
| Earnings coverage of net charge-offs (x) | 29.3043% | 1,527 |
| Efficiency ratio | 72.2862% | 1,953 |
| Assets per employee ($millions) | 3.2984% | 4,820 |
| Cash dividends to net income (ytd only)* | 70.7071% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,305 |
| Loan loss allowance to noncurrent loans | 2,272.5000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,827 |
| Noncurrent loans to loans | 0.0481% | 4,702 |
| Net loans and leases to total assets | 83.0920% | 568 |
| Net loans and leases to deposits | 92.0244% | 1,575 |
| Net loans and leases to core deposits | 97.6161% | 1,915 |
| Total domestic deposits to total assets | 90.2934% | 464 |
| Equity capital to assets | 7.9310% | 5,248 |
| Core capital (leverage) ratio | 8.0337% | 5,334 |
| Tier 1 risk-based capital ratio | 10.3768% | 5,322 |
| Total risk-based capital ratio | 11.5742% | 5,249 |
| Memoranda: | ||
| Average total assets | $97,794,330 | 4,212 |
| Average earning assets | $89,772,000 | 4,226 |
| Average equity | $7,749,670 | 4,734 |
| Average total loans | $83,066,330 | 3,657 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 1,581 |
| Cost of funding earning assets | 0.4823% | 2,937 |
| Net interest margin | 4.1153% | 1,402 |
| Noninterest income to average assets | 0.8929% | 1,165 |
| Noninterest expense to average assets | 3.4768% | 1,040 |
| Loan and lease loss provision to assets | 0.0823% | 2,148 |
| Net operating income to assets | 1.0286% | 2,739 |
| Return on assets (ROA) | 1.0286% | 2,757 |
| Pretax return on assets | 1.0904% | 3,207 |
| Return on Equity (ROE) | 12.9862% | 1,262 |
| Retained earnings to average equity (ytd only) | 2.0778% | 4,331 |
| Net charge-offs to loans | 0.0674% | 1,435 |
| Credit loss provision to net charge-offs | 142.8571% | 1,262 |
| Earnings coverage of net charge-offs (x) | 20.3571% | 1,472 |
| Efficiency ratio | 74.7788% | 1,782 |
| Assets per employee ($millions) | 3.1858% | 5,016 |
| Cash dividends to net income (ytd only)* | 84.0000% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,510 |
| Loan loss allowance to noncurrent loans | 3,171.4286% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,962 |
| Noncurrent loans to loans | 0.0340% | 4,816 |
| Net loans and leases to total assets | 85.2880% | 317 |
| Net loans and leases to deposits | 92.9485% | 1,341 |
| Net loans and leases to core deposits | 97.7656% | 1,847 |
| Total domestic deposits to total assets | 91.7583% | 137 |
| Equity capital to assets | 8.0732% | 5,244 |
| Core capital (leverage) ratio | 7.9193% | 5,409 |
| Tier 1 risk-based capital ratio | 10.1143% | 5,467 |
| Total risk-based capital ratio | 11.2741% | 5,436 |
| Memoranda: | ||
| Average total assets | $97,215,000 | 4,264 |
| Average earning assets | $88,741,000 | 4,288 |
| Average equity | $7,700,500 | 4,797 |
| Average total loans | $83,034,000 | 3,690 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 1,692 |
| Cost of funding earning assets | 0.3536% | 3,681 |
| Net interest margin | 4.1514% | 1,299 |
| Noninterest income to average assets | 1.1360% | 789 |
| Noninterest expense to average assets | 3.6349% | 859 |
| Loan and lease loss provision to assets | 0.0622% | 2,983 |
| Net operating income to assets | 1.1557% | 1,665 |
| Return on assets (ROA) | 1.1557% | 1,694 |
| Pretax return on assets | 1.2116% | 2,724 |
| Return on Equity (ROE) | 14.7557% | 644 |
| Retained earnings to average equity (ytd only) | 3.6393% | 3,076 |
| Net charge-offs to loans | 0.0404% | 2,979 |
| Credit loss provision to net charge-offs | 181.8182% | 1,490 |
| Earnings coverage of net charge-offs (x) | 37.2424% | 1,320 |
| Efficiency ratio | 74.0498% | 1,887 |
| Assets per employee ($millions) | 3.4088% | 4,817 |
| Cash dividends to net income (ytd only)* | 75.3363% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,598 |
| Loan loss allowance to noncurrent loans | 2,940.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 4,989 |
| Noncurrent loans to loans | 0.0359% | 4,850 |
| Net loans and leases to total assets | 83.7429% | 470 |
| Net loans and leases to deposits | 95.5020% | 1,130 |
| Net loans and leases to core deposits | 101.9482% | 1,557 |
| Total domestic deposits to total assets | 87.6870% | 1,661 |
| Equity capital to assets | 7.7740% | 5,465 |
| Core capital (leverage) ratio | 8.0072% | 5,436 |
| Tier 1 risk-based capital ratio | 10.0619% | 5,521 |
| Total risk-based capital ratio | 11.2139% | 5,489 |
| Memoranda: | ||
| Average total assets | $96,482,200 | 4,303 |
| Average earning assets | $87,682,000 | 4,339 |
| Average equity | $7,556,400 | 4,852 |
| Average total loans | $81,660,400 | 3,716 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 1,857 |
| Cost of funding earning assets | 0.3100% | 4,030 |
| Net interest margin | 4.1211% | 1,331 |
| Noninterest income to average assets | 1.1652% | 755 |
| Noninterest expense to average assets | 3.5512% | 919 |
| Loan and lease loss provision to assets | 0.0626% | 2,820 |
| Net operating income to assets | 1.2500% | 1,510 |
| Return on assets (ROA) | 1.2500% | 1,535 |
| Pretax return on assets | 1.3043% | 2,467 |
| Return on Equity (ROE) | 15.9304% | 534 |
| Retained earnings to average equity (ytd only) | 4.7667% | 3,039 |
| Net charge-offs to loans | 0.0542% | 2,367 |
| Credit loss provision to net charge-offs | 136.3636% | 1,807 |
| Earnings coverage of net charge-offs (x) | 29.7870% | 1,559 |
| Efficiency ratio | 72.2081% | 2,175 |
| Assets per employee ($millions) | 3.1929% | 5,074 |
| Cash dividends to net income (ytd only)* | 70.0778% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,890.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,035 |
| Noncurrent loans to loans | 0.0365% | 4,954 |
| Net loans and leases to total assets | 84.9459% | 345 |
| Net loans and leases to deposits | 97.2394% | 991 |
| Net loans and leases to core deposits | 104.3527% | 1,363 |
| Total domestic deposits to total assets | 87.3575% | 1,694 |
| Equity capital to assets | 8.0292% | 5,508 |
| Core capital (leverage) ratio | 8.0545% | 5,496 |
| Tier 1 risk-based capital ratio | 10.2473% | 5,528 |
| Total risk-based capital ratio | 11.4015% | 5,518 |
| Memoranda: | ||
| Average total assets | $95,889,000 | 4,350 |
| Average earning assets | $87,320,000 | 4,386 |
| Average equity | $7,524,250 | 4,906 |
| Average total loans | $81,159,000 | 3,755 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 1,782 |
| Cost of funding earning assets | 0.2963% | 4,115 |
| Net interest margin | 4.1136% | 1,290 |
| Noninterest income to average assets | 1.0133% | 992 |
| Noninterest expense to average assets | 3.5028% | 1,008 |
| Loan and lease loss provision to assets | 0.0626% | 2,720 |
| Net operating income to assets | 1.1322% | 1,845 |
| Return on assets (ROA) | 1.1322% | 1,895 |
| Pretax return on assets | 1.1822% | 2,841 |
| Return on Equity (ROE) | 14.5407% | 727 |
| Retained earnings to average equity (ytd only) | 3.2938% | 3,758 |
| Net charge-offs to loans | 0.0767% | 1,857 |
| Credit loss provision to net charge-offs | 96.7742% | 2,075 |
| Earnings coverage of net charge-offs (x) | 19.2581% | 1,845 |
| Efficiency ratio | 73.7813% | 2,056 |
| Assets per employee ($millions) | 3.3382% | 4,938 |
| Cash dividends to net income (ytd only)* | 77.3481% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,266 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.0635% | 443 |
| Net loans and leases to deposits | 93.1836% | 1,344 |
| Net loans and leases to core deposits | 104.0332% | 1,347 |
| Total domestic deposits to total assets | 90.2127% | 465 |
| Equity capital to assets | 7.7927% | 5,599 |
| Core capital (leverage) ratio | 7.8750% | 5,571 |
| Tier 1 risk-based capital ratio | 10.3377% | 5,525 |
| Total risk-based capital ratio | 11.5067% | 5,493 |
| Memoranda: | ||
| Average total assets | $95,922,670 | 4,377 |
| Average earning assets | $87,076,330 | 4,417 |
| Average equity | $7,468,670 | 4,932 |
| Average total loans | $80,800,330 | 3,775 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 1,901 |
| Cost of funding earning assets | 0.2874% | 4,168 |
| Net interest margin | 4.0331% | 1,388 |
| Noninterest income to average assets | 0.8714% | 1,333 |
| Noninterest expense to average assets | 3.5316% | 1,000 |
| Loan and lease loss provision to assets | 0.0628% | 2,548 |
| Net operating income to assets | 0.8840% | 2,840 |
| Return on assets (ROA) | 0.8840% | 2,890 |
| Pretax return on assets | 0.9217% | 3,689 |
| Return on Equity (ROE) | 11.3578% | 1,444 |
| Retained earnings to average equity (ytd only) | 0.0538% | 4,899 |
| Net charge-offs to loans | 0.0400% | 2,018 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 29.3750% | 1,231 |
| Efficiency ratio | 78.2004% | 1,605 |
| Assets per employee ($millions) | 3.2388% | 5,116 |
| Cash dividends to net income (ytd only)* | 99.5261% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,800 |
| Loan loss allowance to noncurrent loans | 1,690.1961% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,078 |
| Noncurrent loans to loans | 0.0641% | 4,943 |
| Net loans and leases to total assets | 83.7862% | 387 |
| Net loans and leases to deposits | 91.1879% | 1,408 |
| Net loans and leases to core deposits | 100.9596% | 1,442 |
| Total domestic deposits to total assets | 91.8830% | 117 |
| Equity capital to assets | 7.9137% | 5,559 |
| Core capital (leverage) ratio | 7.8289% | 5,621 |
| Tier 1 risk-based capital ratio | 10.3434% | 5,610 |
| Total risk-based capital ratio | 11.5434% | 5,564 |
| Memoranda: | ||
| Average total assets | $95,479,500 | 4,428 |
| Average earning assets | $86,286,500 | 4,474 |
| Average equity | $7,431,000 | 4,981 |
| Average total loans | $80,083,000 | 3,810 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 1,712 |
| Cost of funding earning assets | 0.2747% | 4,313 |
| Net interest margin | 4.1650% | 1,198 |
| Noninterest income to average assets | 1.1175% | 920 |
| Noninterest expense to average assets | 3.6385% | 963 |
| Loan and lease loss provision to assets | 0.0355% | 3,657 |
| Net operating income to assets | 1.1713% | 1,601 |
| Return on assets (ROA) | 1.1713% | 1,698 |
| Pretax return on assets | 1.2261% | 2,574 |
| Return on Equity (ROE) | 14.9926% | 627 |
| Retained earnings to average equity (ytd only) | 5.5757% | 1,968 |
| Net charge-offs to loans | -0.0053% | 4,821 |
| Credit loss provision to net charge-offs | -825.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2537% | 2,255 |
| Assets per employee ($millions) | 3.3460% | 4,984 |
| Cash dividends to net income (ytd only)* | 62.8099% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,948 |
| Loan loss allowance to noncurrent loans | 2,590.9091% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 5,232 |
| Noncurrent loans to loans | 0.0409% | 5,088 |
| Net loans and leases to total assets | 82.1906% | 581 |
| Net loans and leases to deposits | 90.2111% | 1,657 |
| Net loans and leases to core deposits | 99.9887% | 1,623 |
| Total domestic deposits to total assets | 91.1092% | 246 |
| Equity capital to assets | 7.6562% | 5,676 |
| Core capital (leverage) ratio | 7.9228% | 5,648 |
| Tier 1 risk-based capital ratio | 10.1425% | 5,703 |
| Total risk-based capital ratio | 11.3098% | 5,677 |
| Memoranda: | ||
| Average total assets | $92,977,400 | 4,490 |
| Average earning assets | $84,442,600 | 4,508 |
| Average equity | $7,263,600 | 5,048 |
| Average total loans | $75,824,600 | 3,905 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,796 |
| Cost of funding earning assets | 0.2515% | 4,590 |
| Net interest margin | 4.1685% | 1,205 |
| Noninterest income to average assets | 1.1454% | 877 |
| Noninterest expense to average assets | 3.5723% | 1,040 |
| Loan and lease loss provision to assets | 0.0391% | 3,458 |
| Net operating income to assets | 1.2758% | 1,361 |
| Return on assets (ROA) | 1.2758% | 1,465 |
| Pretax return on assets | 1.3309% | 2,306 |
| Return on Equity (ROE) | 16.2456% | 517 |
| Retained earnings to average equity (ytd only) | 7.3474% | 1,460 |
| Net charge-offs to loans | -0.0054% | 4,629 |
| Credit loss provision to net charge-offs | -900.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2793% | 2,538 |
| Assets per employee ($millions) | 3.2910% | 5,056 |
| Cash dividends to net income (ytd only)* | 54.7729% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 4,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 83.4847% | 460 |
| Net loans and leases to deposits | 90.7039% | 1,671 |
| Net loans and leases to core deposits | 100.5236% | 1,582 |
| Total domestic deposits to total assets | 92.0410% | 71 |
| Equity capital to assets | 7.7872% | 5,797 |
| Core capital (leverage) ratio | 8.0108% | 5,682 |
| Tier 1 risk-based capital ratio | 9.8023% | 5,835 |
| Total risk-based capital ratio | 10.9222% | 5,835 |
| Memoranda: | ||
| Average total assets | $91,963,500 | 4,545 |
| Average earning assets | $83,768,000 | 4,559 |
| Average equity | $7,222,250 | 5,104 |
| Average total loans | $74,629,000 | 3,958 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,831 |
| Cost of funding earning assets | 0.2078% | 5,073 |
| Net interest margin | 4.1907% | 1,135 |
| Noninterest income to average assets | 1.1035% | 920 |
| Noninterest expense to average assets | 3.5659% | 1,057 |
| Loan and lease loss provision to assets | 0.0396% | 3,362 |
| Net operating income to assets | 1.2665% | 1,371 |
| Return on assets (ROA) | 1.2665% | 1,487 |
| Pretax return on assets | 1.3171% | 2,339 |
| Return on Equity (ROE) | 16.0787% | 536 |
| Retained earnings to average equity (ytd only) | 8.2491% | 1,091 |
| Net charge-offs to loans | -0.0055% | 4,550 |
| Credit loss provision to net charge-offs | -900.0000% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4385% | 2,590 |
| Assets per employee ($millions) | 3.1958% | 5,210 |
| Cash dividends to net income (ytd only)* | 48.6957% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.4648% | 835 |
| Net loans and leases to deposits | 92.7514% | 1,424 |
| Net loans and leases to core deposits | 96.1786% | 1,961 |
| Total domestic deposits to total assets | 86.7532% | 2,037 |
| Equity capital to assets | 7.9177% | 5,826 |
| Core capital (leverage) ratio | 7.9889% | 5,734 |
| Tier 1 risk-based capital ratio | 9.6903% | 5,916 |
| Total risk-based capital ratio | 10.7970% | 5,920 |
| Memoranda: | ||
| Average total assets | $90,805,000 | 4,608 |
| Average earning assets | $82,754,670 | 4,608 |
| Average equity | $7,152,330 | 5,165 |
| Average total loans | $72,663,670 | 4,025 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 2,214 |
| Cost of funding earning assets | 0.1711% | 5,457 |
| Net interest margin | 4.1053% | 1,330 |
| Noninterest income to average assets | 0.7522% | 1,812 |
| Noninterest expense to average assets | 3.4851% | 1,208 |
| Loan and lease loss provision to assets | 0.0401% | 3,115 |
| Net operating income to assets | 0.9303% | 2,602 |
| Return on assets (ROA) | 0.9303% | 2,708 |
| Pretax return on assets | 0.9659% | 3,592 |
| Return on Equity (ROE) | 11.8422% | 1,358 |
| Retained earnings to average equity (ytd only) | 4.4762% | 3,248 |
| Net charge-offs to loans | -0.0056% | 4,324 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6016% | 1,957 |
| Assets per employee ($millions) | 3.1533% | 5,340 |
| Cash dividends to net income (ytd only)* | 62.2010% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 80.4685% | 752 |
| Net loans and leases to deposits | 96.1896% | 929 |
| Net loans and leases to core deposits | 99.0950% | 1,558 |
| Total domestic deposits to total assets | 83.6561% | 3,654 |
| Equity capital to assets | 7.7717% | 5,887 |
| Core capital (leverage) ratio | 7.9989% | 5,774 |
| Tier 1 risk-based capital ratio | 9.3814% | 6,019 |
| Total risk-based capital ratio | 10.4744% | 6,036 |
| Memoranda: | ||
| Average total assets | $89,868,000 | 4,662 |
| Average earning assets | $81,846,000 | 4,662 |
| Average equity | $7,059,500 | 5,220 |
| Average total loans | $71,289,500 | 4,087 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 1,686 |
| Cost of funding earning assets | 0.2111% | 5,183 |
| Net interest margin | 4.2602% | 1,042 |
| Noninterest income to average assets | 0.5723% | 2,885 |
| Noninterest expense to average assets | 3.3542% | 1,596 |
| Loan and lease loss provision to assets | 0.1095% | 2,166 |
| Net operating income to assets | 0.9143% | 2,791 |
| Return on assets (ROA) | 0.9143% | 2,877 |
| Pretax return on assets | 0.9433% | 3,682 |
| Return on Equity (ROE) | 11.9058% | 1,325 |
| Retained earnings to average equity (ytd only) | 4.0462% | 3,137 |
| Net charge-offs to loans | 0.0061% | 4,242 |
| Credit loss provision to net charge-offs | 2,450.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 235.5000% | 298 |
| Efficiency ratio | 76.1096% | 2,253 |
| Assets per employee ($millions) | 3.0444% | 5,483 |
| Cash dividends to net income (ytd only)* | 66.0147% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.2802% | 1,367 |
| Net loans and leases to deposits | 85.0534% | 2,235 |
| Net loans and leases to core deposits | 87.4909% | 2,651 |
| Total domestic deposits to total assets | 89.6850% | 761 |
| Equity capital to assets | 7.9421% | 5,874 |
| Core capital (leverage) ratio | 7.8482% | 5,891 |
| Tier 1 risk-based capital ratio | 9.8630% | 5,982 |
| Total risk-based capital ratio | 11.0136% | 5,975 |
| Memoranda: | ||
| Average total assets | $89,469,000 | 4,689 |
| Average earning assets | $80,535,600 | 4,702 |
| Average equity | $6,870,600 | 5,267 |
| Average total loans | $65,918,600 | 4,201 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,830 |
| Cost of funding earning assets | 0.2165% | 5,219 |
| Net interest margin | 4.2085% | 1,146 |
| Noninterest income to average assets | 0.5986% | 2,747 |
| Noninterest expense to average assets | 3.2885% | 1,719 |
| Loan and lease loss provision to assets | 0.1456% | 1,503 |
| Net operating income to assets | 0.9165% | 2,885 |
| Return on assets (ROA) | 0.9165% | 2,966 |
| Pretax return on assets | 0.9462% | 3,827 |
| Return on Equity (ROE) | 12.0354% | 1,365 |
| Retained earnings to average equity (ytd only) | 4.2133% | 3,470 |
| Net charge-offs to loans | 0.0102% | 3,815 |
| Credit loss provision to net charge-offs | 1,960.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 146.9235% | 473 |
| Efficiency ratio | 75.0763% | 2,393 |
| Assets per employee ($millions) | 3.0832% | 5,450 |
| Cash dividends to net income (ytd only)* | 64.9912% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 3,698 |
| Loan loss allowance to noncurrent loans | 283.6806% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,477 |
| Noncurrent loans to loans | 0.4203% | 4,095 |
| Net loans and leases to total assets | 75.7174% | 1,429 |
| Net loans and leases to deposits | 86.6586% | 2,075 |
| Net loans and leases to core deposits | 89.4736% | 2,514 |
| Total domestic deposits to total assets | 87.3745% | 1,859 |
| Equity capital to assets | 7.7986% | 6,020 |
| Core capital (leverage) ratio | 7.8166% | 5,975 |
| Tier 1 risk-based capital ratio | 9.5428% | 6,139 |
| Total risk-based capital ratio | 10.6609% | 6,136 |
| Memoranda: | ||
| Average total assets | $89,764,000 | 4,732 |
| Average earning assets | $80,659,250 | 4,758 |
| Average equity | $6,835,250 | 5,340 |
| Average total loans | $65,357,000 | 4,266 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 1,974 |
| Cost of funding earning assets | 0.2238% | 5,209 |
| Net interest margin | 4.1354% | 1,262 |
| Noninterest income to average assets | 0.5207% | 3,221 |
| Noninterest expense to average assets | 3.2844% | 1,746 |
| Loan and lease loss provision to assets | 0.0801% | 2,510 |
| Net operating income to assets | 0.8322% | 3,207 |
| Return on assets (ROA) | 0.8322% | 3,323 |
| Pretax return on assets | 0.8567% | 4,098 |
| Return on Equity (ROE) | 11.0173% | 1,671 |
| Retained earnings to average equity (ytd only) | 3.3288% | 3,927 |
| Net charge-offs to loans | 0.0156% | 3,400 |
| Credit loss provision to net charge-offs | 720.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 84.2000% | 676 |
| Efficiency ratio | 77.8071% | 2,099 |
| Assets per employee ($millions) | 3.1846% | 5,364 |
| Cash dividends to net income (ytd only)* | 69.7861% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.3030% | 1,932 |
| Net loans and leases to deposits | 85.5036% | 2,106 |
| Net loans and leases to core deposits | 88.6432% | 2,493 |
| Total domestic deposits to total assets | 84.5614% | 3,312 |
| Equity capital to assets | 7.4345% | 6,125 |
| Core capital (leverage) ratio | 7.7398% | 6,029 |
| Tier 1 risk-based capital ratio | 9.6025% | 6,181 |
| Total risk-based capital ratio | 10.6584% | 6,194 |
| Memoranda: | ||
| Average total assets | $89,880,670 | 4,769 |
| Average earning assets | $80,427,000 | 4,819 |
| Average equity | $6,789,330 | 5,393 |
| Average total loans | $64,303,000 | 4,331 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 2,410 |
| Cost of funding earning assets | 0.2311% | 5,201 |
| Net interest margin | 3.9792% | 1,627 |
| Noninterest income to average assets | 0.5054% | 3,253 |
| Noninterest expense to average assets | 3.3708% | 1,550 |
| Loan and lease loss provision to assets | 0.0812% | 2,346 |
| Net operating income to assets | 0.6047% | 4,271 |
| Return on assets (ROA) | 0.6047% | 4,364 |
| Pretax return on assets | 0.6272% | 4,842 |
| Return on Equity (ROE) | 7.9396% | 2,984 |
| Retained earnings to average equity (ytd only) | 0.7703% | 5,146 |
| Net charge-offs to loans | 0.0191% | 2,773 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 812 |
| Efficiency ratio | 82.6327% | 1,542 |
| Assets per employee ($millions) | 2.9993% | 5,662 |
| Cash dividends to net income (ytd only)* | 90.2985% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 3,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.6398% | 2,188 |
| Net loans and leases to deposits | 76.8739% | 2,948 |
| Net loans and leases to core deposits | 79.4085% | 3,232 |
| Total domestic deposits to total assets | 90.5897% | 496 |
| Equity capital to assets | 7.7789% | 6,106 |
| Core capital (leverage) ratio | 7.6387% | 6,099 |
| Tier 1 risk-based capital ratio | 10.6452% | 5,964 |
| Total risk-based capital ratio | 11.8079% | 5,929 |
| Memoranda: | ||
| Average total assets | $88,644,500 | 4,845 |
| Average earning assets | $79,614,500 | 4,875 |
| Average equity | $6,751,000 | 5,452 |
| Average total loans | $62,690,000 | 4,406 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,497 |
| Cost of funding earning assets | 0.3063% | 4,727 |
| Net interest margin | 4.0229% | 1,831 |
| Noninterest income to average assets | 0.5395% | 3,242 |
| Noninterest expense to average assets | 3.3195% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7736% | 3,503 |
| Return on assets (ROA) | 0.7736% | 3,598 |
| Pretax return on assets | 0.8070% | 4,230 |
| Return on Equity (ROE) | 10.4714% | 1,916 |
| Retained earnings to average equity (ytd only) | 2.8517% | 4,203 |
| Net charge-offs to loans | 0.0538% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 21.9394% | 1,647 |
| Efficiency ratio | 80.4430% | 1,858 |
| Assets per employee ($millions) | 3.1141% | 5,543 |
| Cash dividends to net income (ytd only)* | 72.7666% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.1417% | 2,220 |
| Net loans and leases to deposits | 77.3358% | 3,044 |
| Net loans and leases to core deposits | 80.5947% | 3,227 |
| Total domestic deposits to total assets | 90.6976% | 467 |
| Equity capital to assets | 7.4588% | 6,242 |
| Core capital (leverage) ratio | 7.5133% | 6,198 |
| Tier 1 risk-based capital ratio | 10.0214% | 6,255 |
| Total risk-based capital ratio | 11.0968% | 6,258 |
| Memoranda: | ||
| Average total assets | $89,713,000 | 4,843 |
| Average earning assets | $79,991,600 | 4,887 |
| Average equity | $6,627,600 | 5,497 |
| Average total loans | $61,292,200 | 4,452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,708 |
| Cost of funding earning assets | 0.3185% | 4,689 |
| Net interest margin | 3.9622% | 1,991 |
| Noninterest income to average assets | 0.5285% | 3,331 |
| Noninterest expense to average assets | 3.2468% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7845% | 3,487 |
| Return on assets (ROA) | 0.7845% | 3,599 |
| Pretax return on assets | 0.8188% | 4,291 |
| Return on Equity (ROE) | 10.6454% | 1,928 |
| Retained earnings to average equity (ytd only) | 3.2723% | 4,297 |
| Net charge-offs to loans | 0.0792% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.2775% | 2,066 |
| Efficiency ratio | 79.8609% | 1,939 |
| Assets per employee ($millions) | 3.0750% | 5,638 |
| Cash dividends to net income (ytd only)* | 69.2592% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 4,539 |
| Loan loss allowance to noncurrent loans | 3,004.1667% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 5,985 |
| Noncurrent loans to loans | 0.0381% | 5,868 |
| Net loans and leases to total assets | 69.8918% | 2,210 |
| Net loans and leases to deposits | 77.4467% | 3,014 |
| Net loans and leases to core deposits | 80.6736% | 3,228 |
| Total domestic deposits to total assets | 90.2450% | 631 |
| Equity capital to assets | 7.5380% | 6,296 |
| Core capital (leverage) ratio | 7.4967% | 6,286 |
| Tier 1 risk-based capital ratio | 10.0627% | 6,329 |
| Total risk-based capital ratio | 11.1424% | 6,341 |
| Memoranda: | ||
| Average total assets | $89,563,750 | 4,905 |
| Average earning assets | $79,954,250 | 4,944 |
| Average equity | $6,600,500 | 5,557 |
| Average total loans | $60,598,000 | 4,512 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 2,746 |
| Cost of funding earning assets | 0.3341% | 4,596 |
| Net interest margin | 3.9239% | 2,072 |
| Noninterest income to average assets | 0.5195% | 3,344 |
| Noninterest expense to average assets | 3.2332% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7336% | 3,656 |
| Return on assets (ROA) | 0.7336% | 3,750 |
| Pretax return on assets | 0.7693% | 4,386 |
| Return on Equity (ROE) | 10.0305% | 2,138 |
| Retained earnings to average equity (ytd only) | 3.1707% | 4,183 |
| Net charge-offs to loans | 0.0033% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 197 |
| Efficiency ratio | 80.7799% | 1,909 |
| Assets per employee ($millions) | 3.2354% | 5,365 |
| Cash dividends to net income (ytd only)* | 68.3891% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 4,349 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 5,936 |
| Noncurrent loans to loans | 0.1159% | 5,667 |
| Net loans and leases to total assets | 67.7525% | 2,451 |
| Net loans and leases to deposits | 75.2141% | 3,160 |
| Net loans and leases to core deposits | 78.9394% | 3,325 |
| Total domestic deposits to total assets | 90.0795% | 770 |
| Equity capital to assets | 7.3595% | 6,381 |
| Core capital (leverage) ratio | 7.4490% | 6,329 |
| Tier 1 risk-based capital ratio | 10.1369% | 6,351 |
| Total risk-based capital ratio | 11.2871% | 6,344 |
| Memoranda: | ||
| Average total assets | $89,693,330 | 4,939 |
| Average earning assets | $79,614,000 | 4,992 |
| Average equity | $6,560,000 | 5,592 |
| Average total loans | $59,781,670 | 4,557 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 3,035 |
| Cost of funding earning assets | 0.3542% | 4,498 |
| Net interest margin | 3.8048% | 2,455 |
| Noninterest income to average assets | 0.4841% | 3,536 |
| Noninterest expense to average assets | 3.2495% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5737% | 4,331 |
| Return on assets (ROA) | 0.5737% | 4,407 |
| Pretax return on assets | 0.6051% | 4,812 |
| Return on Equity (ROE) | 7.8691% | 2,998 |
| Retained earnings to average equity (ytd only) | 1.7214% | 4,926 |
| Net charge-offs to loans | -0.0068% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3023% | 1,635 |
| Assets per employee ($millions) | 3.2531% | 5,439 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,114 |
| Loan loss allowance to noncurrent loans | 1,054.1667% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 6,014 |
| Noncurrent loans to loans | 0.1235% | 5,737 |
| Net loans and leases to total assets | 63.1759% | 3,039 |
| Net loans and leases to deposits | 70.3235% | 3,557 |
| Net loans and leases to core deposits | 73.9748% | 3,647 |
| Total domestic deposits to total assets | 89.8361% | 1,163 |
| Equity capital to assets | 7.1591% | 6,406 |
| Core capital (leverage) ratio | 7.3493% | 6,388 |
| Tier 1 risk-based capital ratio | 10.6758% | 6,284 |
| Total risk-based capital ratio | 11.9180% | 6,245 |
| Memoranda: | ||
| Average total assets | $89,245,000 | 4,991 |
| Average earning assets | $79,059,000 | 5,050 |
| Average equity | $6,506,500 | 5,635 |
| Average total loans | $58,606,000 | 4,632 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 2,068 |
| Cost of funding earning assets | 0.5025% | 3,583 |
| Net interest margin | 4.0354% | 1,853 |
| Noninterest income to average assets | 0.5402% | 3,477 |
| Noninterest expense to average assets | 3.1517% | 2,586 |
| Loan and lease loss provision to assets | 0.1141% | 2,908 |
| Net operating income to assets | 0.8453% | 3,062 |
| Return on assets (ROA) | 0.8453% | 3,138 |
| Pretax return on assets | 0.8860% | 3,821 |
| Return on Equity (ROE) | 11.7363% | 1,510 |
| Retained earnings to average equity (ytd only) | 4.5188% | 2,956 |
| Net charge-offs to loans | 0.1272% | 3,546 |
| Credit loss provision to net charge-offs | 131.1688% | 1,796 |
| Earnings coverage of net charge-offs (x) | 11.4935% | 2,232 |
| Efficiency ratio | 75.9118% | 2,787 |
| Assets per employee ($millions) | 3.0139% | 5,812 |
| Cash dividends to net income (ytd only)* | 61.4973% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,212 |
| Loan loss allowance to noncurrent loans | 3,154.1667% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 6,308 |
| Noncurrent loans to loans | 0.0407% | 6,122 |
| Net loans and leases to total assets | 66.5320% | 2,609 |
| Net loans and leases to deposits | 74.7308% | 3,148 |
| Net loans and leases to core deposits | 78.8135% | 3,265 |
| Total domestic deposits to total assets | 89.0290% | 1,603 |
| Equity capital to assets | 7.4277% | 6,316 |
| Core capital (leverage) ratio | 7.3625% | 6,422 |
| Tier 1 risk-based capital ratio | 10.7495% | 6,283 |
| Total risk-based capital ratio | 11.9993% | 6,233 |
| Memoranda: | ||
| Average total assets | $88,491,400 | 5,014 |
| Average earning assets | $79,200,000 | 5,058 |
| Average equity | $6,373,400 | 5,721 |
| Average total loans | $60,525,000 | 4,601 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,910 |
| Cost of funding earning assets | 0.5310% | 3,454 |
| Net interest margin | 4.0672% | 1,735 |
| Noninterest income to average assets | 0.5272% | 3,612 |
| Noninterest expense to average assets | 3.0748% | 2,744 |
| Loan and lease loss provision to assets | 0.1517% | 2,369 |
| Net operating income to assets | 0.9043% | 2,814 |
| Return on assets (ROA) | 0.9043% | 2,923 |
| Pretax return on assets | 0.9478% | 3,698 |
| Return on Equity (ROE) | 12.6526% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.6117% | 2,653 |
| Net charge-offs to loans | 0.1707% | 2,854 |
| Credit loss provision to net charge-offs | 129.4872% | 1,822 |
| Earnings coverage of net charge-offs (x) | 9.3844% | 2,488 |
| Efficiency ratio | 73.6596% | 3,115 |
| Assets per employee ($millions) | 3.1545% | 5,577 |
| Cash dividends to net income (ytd only)* | 55.6482% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,379 |
| Loan loss allowance to noncurrent loans | 1,219.3548% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,229 |
| Noncurrent loans to loans | 0.1068% | 6,012 |
| Net loans and leases to total assets | 64.8639% | 2,830 |
| Net loans and leases to deposits | 73.1620% | 3,368 |
| Net loans and leases to core deposits | 77.5859% | 3,410 |
| Total domestic deposits to total assets | 88.6578% | 1,745 |
| Equity capital to assets | 7.3309% | 6,449 |
| Core capital (leverage) ratio | 7.2633% | 6,522 |
| Tier 1 risk-based capital ratio | 10.8942% | 6,325 |
| Total risk-based capital ratio | 12.1583% | 6,284 |
| Memoranda: | ||
| Average total assets | $88,763,500 | 5,054 |
| Average earning assets | $79,593,500 | 5,099 |
| Average equity | $6,343,750 | 5,801 |
| Average total loans | $60,929,250 | 4,624 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 1,604 |
| Cost of funding earning assets | 0.5573% | 3,343 |
| Net interest margin | 4.1296% | 1,465 |
| Noninterest income to average assets | 0.5151% | 3,736 |
| Noninterest expense to average assets | 3.0323% | 2,902 |
| Loan and lease loss provision to assets | 0.2272% | 1,660 |
| Net operating income to assets | 0.9133% | 2,726 |
| Return on assets (ROA) | 0.9133% | 2,866 |
| Pretax return on assets | 0.9560% | 3,691 |
| Return on Equity (ROE) | 12.8889% | 1,268 |
| Retained earnings to average equity (ytd only) | 5.9048% | 2,490 |
| Net charge-offs to loans | 0.2585% | 2,172 |
| Credit loss provision to net charge-offs | 126.2500% | 1,787 |
| Earnings coverage of net charge-offs (x) | 6.5750% | 2,696 |
| Efficiency ratio | 71.9317% | 3,480 |
| Assets per employee ($millions) | 3.1659% | 5,555 |
| Cash dividends to net income (ytd only)* | 54.1872% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 4,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.4953% | 2,150 |
| Net loans and leases to deposits | 77.4570% | 2,647 |
| Net loans and leases to core deposits | 82.4142% | 2,758 |
| Total domestic deposits to total assets | 88.4301% | 1,964 |
| Equity capital to assets | 7.1973% | 6,546 |
| Core capital (leverage) ratio | 7.2588% | 6,544 |
| Tier 1 risk-based capital ratio | 10.2290% | 6,580 |
| Total risk-based capital ratio | 11.4356% | 6,567 |
| Memoranda: | ||
| Average total assets | $88,909,670 | 5,077 |
| Average earning assets | $79,668,330 | 5,126 |
| Average equity | $6,300,000 | 5,856 |
| Average total loans | $61,890,000 | 4,609 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,447 |
| Cost of funding earning assets | 0.5842% | 3,262 |
| Net interest margin | 4.1496% | 1,328 |
| Noninterest income to average assets | 0.4537% | 4,096 |
| Noninterest expense to average assets | 3.1715% | 2,448 |
| Loan and lease loss provision to assets | 0.1348% | 2,556 |
| Net operating income to assets | 0.8400% | 2,950 |
| Return on assets (ROA) | 0.8400% | 3,093 |
| Pretax return on assets | 0.8805% | 3,833 |
| Return on Equity (ROE) | 11.9489% | 1,436 |
| Retained earnings to average equity (ytd only) | 5.2396% | 3,087 |
| Net charge-offs to loans | 0.0064% | 4,032 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 178 |
| Efficiency ratio | 75.7511% | 2,965 |
| Assets per employee ($millions) | 3.1866% | 5,658 |
| Cash dividends to net income (ytd only)* | 56.1497% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 6,657 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.8711% | 2,037 |
| Net loans and leases to deposits | 77.0301% | 2,483 |
| Net loans and leases to core deposits | 81.4160% | 2,641 |
| Total domestic deposits to total assets | 88.1098% | 2,252 |
| Equity capital to assets | 7.0630% | 6,700 |
| Core capital (leverage) ratio | 7.1459% | 6,601 |
| Tier 1 risk-based capital ratio | 10.3089% | 6,635 |
| Total risk-based capital ratio | 11.5581% | 6,625 |
| Memoranda: | ||
| Average total assets | $89,042,500 | 5,124 |
| Average earning assets | $80,104,500 | 5,150 |
| Average equity | $6,260,000 | 5,919 |
| Average total loans | $62,099,500 | 4,628 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 1,386 |
| Cost of funding earning assets | 0.7544% | 3,055 |
| Net interest margin | 4.3123% | 1,381 |
| Noninterest income to average assets | 0.7224% | 2,615 |
| Noninterest expense to average assets | 3.3574% | 2,162 |
| Loan and lease loss provision to assets | 0.2943% | 2,322 |
| Net operating income to assets | 0.8900% | 2,866 |
| Return on assets (ROA) | 0.8900% | 3,106 |
| Pretax return on assets | 0.9144% | 3,874 |
| Return on Equity (ROE) | 12.4423% | 1,373 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,116 |
| Net charge-offs to loans | 0.0652% | 5,035 |
| Credit loss provision to net charge-offs | 632.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 25.9750% | 1,116 |
| Efficiency ratio | 73.5287% | 3,149 |
| Assets per employee ($millions) | 3.1736% | 5,688 |
| Cash dividends to net income (ytd only)* | 52.2876% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,282 |
| Loan loss allowance to noncurrent loans | 36,650.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 6,627 |
| Noncurrent loans to loans | 0.0032% | 6,584 |
| Net loans and leases to total assets | 69.9370% | 1,853 |
| Net loans and leases to deposits | 79.7040% | 2,329 |
| Net loans and leases to core deposits | 83.9879% | 2,556 |
| Total domestic deposits to total assets | 87.7459% | 2,381 |
| Equity capital to assets | 6.9975% | 6,772 |
| Core capital (leverage) ratio | 7.2391% | 6,620 |
| Tier 1 risk-based capital ratio | 9.9540% | 6,714 |
| Total risk-based capital ratio | 11.1295% | 6,698 |
| Memoranda: | ||
| Average total assets | $85,959,400 | 5,193 |
| Average earning assets | $76,618,800 | 5,223 |
| Average equity | $6,148,400 | 5,985 |
| Average total loans | $61,304,000 | 4,662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 1,442 |
| Cost of funding earning assets | 0.7969% | 2,973 |
| Net interest margin | 4.2977% | 1,470 |
| Noninterest income to average assets | 0.7821% | 2,322 |
| Noninterest expense to average assets | 3.4086% | 1,982 |
| Loan and lease loss provision to assets | 0.3488% | 1,875 |
| Net operating income to assets | 0.8322% | 3,296 |
| Return on assets (ROA) | 0.8322% | 3,537 |
| Pretax return on assets | 0.8463% | 4,316 |
| Return on Equity (ROE) | 11.5694% | 1,769 |
| Retained earnings to average equity (ytd only) | 5.1540% | 3,253 |
| Net charge-offs to loans | 0.0898% | 4,480 |
| Credit loss provision to net charge-offs | 543.9024% | 492 |
| Earnings coverage of net charge-offs (x) | 18.6325% | 1,542 |
| Efficiency ratio | 74.0401% | 2,975 |
| Assets per employee ($millions) | 3.1059% | 5,837 |
| Cash dividends to net income (ytd only)* | 55.4503% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,580 |
| Loan loss allowance to noncurrent loans | 505.0360% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 6,261 |
| Noncurrent loans to loans | 0.2246% | 6,048 |
| Net loans and leases to total assets | 70.3674% | 1,840 |
| Net loans and leases to deposits | 80.9286% | 2,260 |
| Net loans and leases to core deposits | 83.9196% | 2,710 |
| Total domestic deposits to total assets | 86.9499% | 2,699 |
| Equity capital to assets | 7.2006% | 6,847 |
| Core capital (leverage) ratio | 7.3484% | 6,696 |
| Tier 1 risk-based capital ratio | 10.3461% | 6,715 |
| Total risk-based capital ratio | 11.5091% | 6,714 |
| Memoranda: | ||
| Average total assets | $85,234,250 | 5,267 |
| Average earning assets | $75,789,750 | 5,298 |
| Average equity | $6,131,000 | 6,059 |
| Average total loans | $60,910,250 | 4,728 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 1,262 |
| Cost of funding earning assets | 0.8390% | 2,878 |
| Net interest margin | 4.3579% | 1,314 |
| Noninterest income to average assets | 0.9025% | 1,779 |
| Noninterest expense to average assets | 3.4728% | 1,851 |
| Loan and lease loss provision to assets | 0.4560% | 1,401 |
| Net operating income to assets | 0.8056% | 3,370 |
| Return on assets (ROA) | 0.8056% | 3,629 |
| Pretax return on assets | 0.8269% | 4,371 |
| Return on Equity (ROE) | 11.2036% | 1,919 |
| Retained earnings to average equity (ytd only) | 4.9611% | 3,297 |
| Net charge-offs to loans | 0.0297% | 4,964 |
| Credit loss provision to net charge-offs | 2,144.4444% | 142 |
| Earnings coverage of net charge-offs (x) | 60.3333% | 630 |
| Efficiency ratio | 73.0253% | 3,235 |
| Assets per employee ($millions) | 3.0724% | 5,907 |
| Cash dividends to net income (ytd only)* | 55.7185% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,596 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,636 |
| Noncurrent loans to loans | 0.0778% | 6,468 |
| Net loans and leases to total assets | 70.8885% | 1,753 |
| Net loans and leases to deposits | 81.9402% | 2,121 |
| Net loans and leases to core deposits | 84.4256% | 2,637 |
| Total domestic deposits to total assets | 86.5125% | 3,064 |
| Equity capital to assets | 7.1756% | 6,874 |
| Core capital (leverage) ratio | 7.3307% | 6,700 |
| Tier 1 risk-based capital ratio | 9.8918% | 6,851 |
| Total risk-based capital ratio | 11.0224% | 6,873 |
| Memoranda: | ||
| Average total assets | $84,657,330 | 5,312 |
| Average earning assets | $74,852,330 | 5,365 |
| Average equity | $6,087,330 | 6,093 |
| Average total loans | $60,581,330 | 4,764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 1,115 |
| Cost of funding earning assets | 0.8881% | 2,775 |
| Net interest margin | 4.4027% | 1,223 |
| Noninterest income to average assets | 1.2576% | 898 |
| Noninterest expense to average assets | 3.5440% | 1,675 |
| Loan and lease loss provision to assets | 0.8479% | 550 |
| Net operating income to assets | 0.6955% | 3,906 |
| Return on assets (ROA) | 0.6955% | 4,123 |
| Pretax return on assets | 0.7383% | 4,658 |
| Return on Equity (ROE) | 9.6617% | 2,531 |
| Retained earnings to average equity (ytd only) | 3.3750% | 4,543 |
| Net charge-offs to loans | 0.0800% | 3,696 |
| Credit loss provision to net charge-offs | 1,483.3333% | 238 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 984 |
| Efficiency ratio | 69.0808% | 3,968 |
| Assets per employee ($millions) | 2.9839% | 6,185 |
| Cash dividends to net income (ytd only)* | 65.0685% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,712 |
| Loan loss allowance to noncurrent loans | 1,459.5745% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 6,601 |
| Noncurrent loans to loans | 0.0788% | 6,553 |
| Net loans and leases to total assets | 70.5906% | 1,651 |
| Net loans and leases to deposits | 82.3483% | 1,883 |
| Net loans and leases to core deposits | 84.9409% | 2,415 |
| Total domestic deposits to total assets | 85.7220% | 3,676 |
| Equity capital to assets | 7.2677% | 6,858 |
| Core capital (leverage) ratio | 7.2034% | 6,766 |
| Tier 1 risk-based capital ratio | 10.2074% | 6,826 |
| Total risk-based capital ratio | 11.3631% | 6,843 |
| Memoranda: | ||
| Average total assets | $83,972,000 | 5,363 |
| Average earning assets | $73,863,500 | 5,441 |
| Average equity | $6,044,500 | 6,136 |
| Average total loans | $60,028,000 | 4,817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 2,425 |
| Cost of funding earning assets | 1.0693% | 2,886 |
| Net interest margin | 4.0373% | 2,694 |
| Noninterest income to average assets | 0.6247% | 3,042 |
| Noninterest expense to average assets | 3.4344% | 2,152 |
| Loan and lease loss provision to assets | 0.1808% | 4,386 |
| Net operating income to assets | 0.5361% | 4,285 |
| Return on assets (ROA) | 0.5361% | 4,477 |
| Pretax return on assets | 0.5656% | 4,794 |
| Return on Equity (ROE) | 7.5866% | 3,109 |
| Retained earnings to average equity (ytd only) | 1.5660% | 5,094 |
| Net charge-offs to loans | 0.1878% | 4,645 |
| Credit loss provision to net charge-offs | 133.6364% | 2,268 |
| Earnings coverage of net charge-offs (x) | 5.5182% | 2,763 |
| Efficiency ratio | 82.1471% | 1,999 |
| Assets per employee ($millions) | 3.1258% | 5,853 |
| Cash dividends to net income (ytd only)* | 79.3578% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,623 |
| Loan loss allowance to noncurrent loans | 825.3968% | 462 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 3,667 |
| Noncurrent loans to loans | 0.1043% | 6,551 |
| Net loans and leases to total assets | 70.9429% | 1,831 |
| Net loans and leases to deposits | 82.9852% | 2,069 |
| Net loans and leases to core deposits | 87.1349% | 2,485 |
| Total domestic deposits to total assets | 85.4886% | 3,601 |
| Equity capital to assets | 7.1295% | 6,931 |
| Core capital (leverage) ratio | 7.3737% | 6,711 |
| Tier 1 risk-based capital ratio | 10.0990% | 6,830 |
| Total risk-based capital ratio | 10.9731% | 6,908 |
| Memoranda: | ||
| Average total assets | $81,325,200 | 5,426 |
| Average earning assets | $71,632,600 | 5,480 |
| Average equity | $5,747,000 | 6,219 |
| Average total loans | $58,584,800 | 4,916 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 2,914 |
| Cost of funding earning assets | 1.1036% | 2,956 |
| Net interest margin | 3.9312% | 3,231 |
| Noninterest income to average assets | 0.6819% | 2,711 |
| Noninterest expense to average assets | 3.4078% | 2,170 |
| Loan and lease loss provision to assets | 0.1688% | 4,356 |
| Net operating income to assets | 0.5627% | 4,259 |
| Return on assets (ROA) | 0.5627% | 4,427 |
| Pretax return on assets | 0.5776% | 4,890 |
| Return on Equity (ROE) | 7.9817% | 3,047 |
| Retained earnings to average equity (ytd only) | 2.0893% | 5,096 |
| Net charge-offs to loans | 0.1468% | 4,600 |
| Credit loss provision to net charge-offs | 159.3750% | 1,939 |
| Earnings coverage of net charge-offs (x) | 7.0470% | 2,432 |
| Efficiency ratio | 82.0319% | 1,967 |
| Assets per employee ($millions) | 3.1184% | 5,866 |
| Cash dividends to net income (ytd only)* | 73.8242% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,676 |
| Loan loss allowance to noncurrent loans | 39.9234% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 3,747 |
| Noncurrent loans to loans | 2.1873% | 3,129 |
| Net loans and leases to total assets | 70.2404% | 2,038 |
| Net loans and leases to deposits | 82.3347% | 2,294 |
| Net loans and leases to core deposits | 85.9533% | 2,774 |
| Total domestic deposits to total assets | 85.3108% | 3,610 |
| Equity capital to assets | 6.7816% | 7,094 |
| Core capital (leverage) ratio | 7.0886% | 6,932 |
| Tier 1 risk-based capital ratio | 9.8041% | 7,006 |
| Total risk-based capital ratio | 10.6986% | 7,058 |
| Memoranda: | ||
| Average total assets | $80,557,500 | 5,488 |
| Average earning assets | $71,156,250 | 5,541 |
| Average equity | $5,679,500 | 6,281 |
| Average total loans | $58,132,750 | 4,990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 2,821 |
| Cost of funding earning assets | 1.1253% | 3,069 |
| Net interest margin | 3.9458% | 3,101 |
| Noninterest income to average assets | 0.6982% | 2,562 |
| Noninterest expense to average assets | 3.4180% | 2,212 |
| Loan and lease loss provision to assets | 0.1437% | 4,509 |
| Net operating income to assets | 0.6100% | 4,011 |
| Return on assets (ROA) | 0.6100% | 4,140 |
| Pretax return on assets | 0.6100% | 4,719 |
| Return on Equity (ROE) | 8.5372% | 2,704 |
| Retained earnings to average equity (ytd only) | 3.0691% | 4,321 |
| Net charge-offs to loans | 0.0139% | 5,650 |
| Credit loss provision to net charge-offs | 1,425.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 74.7500% | 456 |
| Efficiency ratio | 81.9335% | 2,108 |
| Assets per employee ($millions) | 3.0331% | 6,011 |
| Cash dividends to net income (ytd only)* | 64.0496% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 6,630 |
| Loan loss allowance to noncurrent loans | 33.3126% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9806% | 3,259 |
| Noncurrent loans to loans | 2.7306% | 2,666 |
| Net loans and leases to total assets | 71.2983% | 1,938 |
| Net loans and leases to deposits | 84.3918% | 2,047 |
| Net loans and leases to core deposits | 88.1210% | 2,632 |
| Total domestic deposits to total assets | 84.4848% | 4,128 |
| Equity capital to assets | 6.9712% | 7,108 |
| Core capital (leverage) ratio | 7.2975% | 6,864 |
| Tier 1 risk-based capital ratio | 10.0285% | 6,963 |
| Total risk-based capital ratio | 10.9708% | 7,051 |
| Memoranda: | ||
| Average total assets | $79,344,000 | 5,569 |
| Average earning assets | $69,845,670 | 5,635 |
| Average equity | $5,669,330 | 6,327 |
| Average total loans | $57,623,000 | 5,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 2,206 |
| Cost of funding earning assets | 1.1567% | 3,110 |
| Net interest margin | 4.0483% | 2,477 |
| Noninterest income to average assets | 0.7173% | 2,469 |
| Noninterest expense to average assets | 3.4277% | 2,204 |
| Loan and lease loss provision to assets | 0.1178% | 4,534 |
| Net operating income to assets | 0.7224% | 3,418 |
| Return on assets (ROA) | 0.7224% | 3,483 |
| Pretax return on assets | 0.7224% | 4,211 |
| Return on Equity (ROE) | 9.9832% | 2,097 |
| Retained earnings to average equity (ytd only) | 5.7350% | 2,782 |
| Net charge-offs to loans | 0.0491% | 4,445 |
| Credit loss provision to net charge-offs | 328.5714% | 990 |
| Earnings coverage of net charge-offs (x) | 23.4286% | 1,016 |
| Efficiency ratio | 80.3121% | 2,473 |
| Assets per employee ($millions) | 2.8910% | 6,376 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 6,744 |
| Loan loss allowance to noncurrent loans | 124.7500% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 5,913 |
| Noncurrent loans to loans | 0.7063% | 5,603 |
| Net loans and leases to total assets | 71.9163% | 1,737 |
| Net loans and leases to deposits | 86.3788% | 1,670 |
| Net loans and leases to core deposits | 89.7227% | 2,382 |
| Total domestic deposits to total assets | 83.2569% | 4,814 |
| Equity capital to assets | 7.2948% | 6,973 |
| Core capital (leverage) ratio | 7.3419% | 6,830 |
| Tier 1 risk-based capital ratio | 10.2175% | 6,922 |
| Total risk-based capital ratio | 11.1123% | 7,052 |
| Memoranda: | ||
| Average total assets | $78,069,000 | 5,642 |
| Average earning assets | $68,473,500 | 5,718 |
| Average equity | $5,649,500 | 6,351 |
| Average total loans | $56,972,000 | 5,133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 3,143 |
| Cost of funding earning assets | 1.3413% | 3,638 |
| Net interest margin | 3.9560% | 3,238 |
| Noninterest income to average assets | 0.9176% | 1,783 |
| Noninterest expense to average assets | 3.4713% | 2,248 |
| Loan and lease loss provision to assets | 0.2833% | 4,537 |
| Net operating income to assets | 0.6560% | 3,413 |
| Return on assets (ROA) | 0.6560% | 3,556 |
| Pretax return on assets | 0.6560% | 4,142 |
| Return on Equity (ROE) | 9.5635% | 2,090 |
| Retained earnings to average equity (ytd only) | 6.5307% | 1,539 |
| Net charge-offs to loans | 0.0256% | 6,550 |
| Credit loss provision to net charge-offs | 1,585.7143% | 147 |
| Earnings coverage of net charge-offs (x) | 52.5714% | 446 |
| Efficiency ratio | 78.7037% | 2,577 |
| Assets per employee ($millions) | 2.8919% | 6,347 |
| Cash dividends to net income (ytd only)* | 31.7121% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 6,872 |
| Loan loss allowance to noncurrent loans | 202.0921% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,439 |
| Noncurrent loans to loans | 0.4170% | 6,213 |
| Net loans and leases to total assets | 72.7786% | 1,929 |
| Net loans and leases to deposits | 87.8139% | 1,821 |
| Net loans and leases to core deposits | 93.9880% | 2,253 |
| Total domestic deposits to total assets | 82.8783% | 4,848 |
| Equity capital to assets | 7.1784% | 7,045 |
| Core capital (leverage) ratio | 7.2142% | 6,900 |
| Tier 1 risk-based capital ratio | 10.0273% | 6,972 |
| Total risk-based capital ratio | 10.8894% | 7,100 |
| Memoranda: | ||
| Average total assets | $78,356,400 | 5,633 |
| Average earning assets | $69,185,800 | 5,695 |
| Average equity | $5,374,600 | 6,543 |
| Average total loans | $54,621,400 | 5,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2270% | 3,697 |
| Cost of funding earning assets | 1.3820% | 3,693 |
| Net interest margin | 3.8450% | 3,774 |
| Noninterest income to average assets | 1.0286% | 1,380 |
| Noninterest expense to average assets | 3.4716% | 2,110 |
| Loan and lease loss provision to assets | 0.3383% | 3,897 |
| Net operating income to assets | 0.6290% | 3,754 |
| Return on assets (ROA) | 0.6290% | 3,921 |
| Pretax return on assets | 0.6290% | 4,488 |
| Return on Equity (ROE) | 9.2782% | 2,394 |
| Retained earnings to average equity (ytd only) | 6.6953% | 1,988 |
| Net charge-offs to loans | 0.0420% | 6,122 |
| Credit loss provision to net charge-offs | 1,170.5882% | 249 |
| Earnings coverage of net charge-offs (x) | 33.4649% | 803 |
| Efficiency ratio | 78.2076% | 2,594 |
| Assets per employee ($millions) | 2.8696% | 6,443 |
| Cash dividends to net income (ytd only)* | 27.8379% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 7,007 |
| Loan loss allowance to noncurrent loans | 176.4479% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,508 |
| Noncurrent loans to loans | 0.4536% | 6,279 |
| Net loans and leases to total assets | 73.1124% | 1,994 |
| Net loans and leases to deposits | 88.8537% | 1,883 |
| Net loans and leases to core deposits | 91.3130% | 2,905 |
| Total domestic deposits to total assets | 82.2840% | 4,879 |
| Equity capital to assets | 7.1530% | 7,289 |
| Core capital (leverage) ratio | 7.1089% | 7,107 |
| Tier 1 risk-based capital ratio | 9.8193% | 7,151 |
| Total risk-based capital ratio | 10.6304% | 7,294 |
| Memoranda: | ||
| Average total assets | $78,425,000 | 5,707 |
| Average earning assets | $69,559,750 | 5,751 |
| Average equity | $5,317,000 | 6,642 |
| Average total loans | $53,949,250 | 5,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 4,655 |
| Cost of funding earning assets | 1.4278% | 3,691 |
| Net interest margin | 3.6327% | 4,677 |
| Noninterest income to average assets | 0.7010% | 2,698 |
| Noninterest expense to average assets | 3.4087% | 2,240 |
| Loan and lease loss provision to assets | 0.2057% | 4,819 |
| Net operating income to assets | 0.3048% | 5,161 |
| Return on assets (ROA) | 0.3048% | 5,320 |
| Pretax return on assets | 0.3048% | 5,479 |
| Return on Equity (ROE) | 4.5784% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.2430% | 4,039 |
| Net charge-offs to loans | -0.0151% | 7,249 |
| Credit loss provision to net charge-offs | -2,025.0000% | 6,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9734% | 1,605 |
| Assets per employee ($millions) | 2.8324% | 6,503 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 7,360 |
| Loan loss allowance to noncurrent loans | 69.0979% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 5,745 |
| Noncurrent loans to loans | 0.9246% | 5,436 |
| Net loans and leases to total assets | 73.2157% | 2,103 |
| Net loans and leases to deposits | 91.9755% | 1,533 |
| Net loans and leases to core deposits | 94.8036% | 2,603 |
| Total domestic deposits to total assets | 79.6035% | 5,858 |
| Equity capital to assets | 7.0089% | 7,347 |
| Core capital (leverage) ratio | 6.8679% | 7,251 |
| Tier 1 risk-based capital ratio | 9.7303% | 7,170 |
| Total risk-based capital ratio | 10.3850% | 7,388 |
| Memoranda: | ||
| Average total assets | $78,740,670 | 5,733 |
| Average earning assets | $69,755,670 | 5,783 |
| Average equity | $5,242,000 | 6,699 |
| Average total loans | $52,898,000 | 5,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 5,837 |
| Cost of funding earning assets | 1.4679% | 3,753 |
| Net interest margin | 3.3480% | 5,796 |
| Noninterest income to average assets | 0.5959% | 3,298 |
| Noninterest expense to average assets | 3.3052% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2604% | 5,451 |
| Return on assets (ROA) | 0.2604% | 5,577 |
| Pretax return on assets | 0.2604% | 5,715 |
| Return on Equity (ROE) | 4.0131% | 4,894 |
| Retained earnings to average equity (ytd only) | 1.3120% | 5,286 |
| Net charge-offs to loans | -0.0469% | 7,329 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6966% | 1,229 |
| Assets per employee ($millions) | 2.9019% | 6,433 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 7,562 |
| Loan loss allowance to noncurrent loans | 189.2617% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 6,944 |
| Noncurrent loans to loans | 0.2852% | 6,753 |
| Net loans and leases to total assets | 66.3072% | 3,786 |
| Net loans and leases to deposits | 80.9628% | 3,471 |
| Net loans and leases to core deposits | 83.9210% | 4,211 |
| Total domestic deposits to total assets | 81.8984% | 5,118 |
| Equity capital to assets | 6.6240% | 7,500 |
| Core capital (leverage) ratio | 6.5698% | 7,440 |
| Tier 1 risk-based capital ratio | 9.9339% | 7,077 |
| Total risk-based capital ratio | 10.4725% | 7,419 |
| Memoranda: | ||
| Average total assets | $79,874,000 | 5,771 |
| Average earning assets | $70,848,000 | 5,819 |
| Average equity | $5,183,000 | 6,787 |
| Average total loans | $51,171,500 | 5,626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 4,941 |
| Cost of funding earning assets | 1.5829% | 5,111 |
| Net interest margin | 3.7671% | 3,843 |
| Noninterest income to average assets | 0.7902% | 2,456 |
| Noninterest expense to average assets | 3.6484% | 2,035 |
| Loan and lease loss provision to assets | 0.0473% | 7,093 |
| Net operating income to assets | 0.4160% | 4,064 |
| Return on assets (ROA) | 0.4160% | 4,170 |
| Pretax return on assets | 0.3863% | 4,533 |
| Return on Equity (ROE) | 5.9725% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.0665% | 4,295 |
| Net charge-offs to loans | 0.3067% | 4,712 |
| Credit loss provision to net charge-offs | 23.6486% | 6,925 |
| Earnings coverage of net charge-offs (x) | 2.1689% | 4,094 |
| Efficiency ratio | 89.3779% | 1,758 |
| Assets per employee ($millions) | 3.0147% | 6,190 |
| Cash dividends to net income (ytd only)* | 82.1429% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 7,618 |
| Loan loss allowance to noncurrent loans | 182.1192% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 6,658 |
| Noncurrent loans to loans | 0.3013% | 6,675 |
| Net loans and leases to total assets | 61.2229% | 5,154 |
| Net loans and leases to deposits | 74.5523% | 4,944 |
| Net loans and leases to core deposits | 96.5531% | 4,394 |
| Total domestic deposits to total assets | 82.1207% | 4,899 |
| Equity capital to assets | 6.3590% | 7,600 |
| Core capital (leverage) ratio | 7.0561% | 7,192 |
| Tier 1 risk-based capital ratio | 9.8010% | 7,018 |
| Total risk-based capital ratio | 10.3208% | 7,459 |
| Memoranda: | ||
| Average total assets | $74,033,400 | 5,886 |
| Average earning assets | $64,691,400 | 5,968 |
| Average equity | $5,157,000 | 6,886 |
| Average total loans | $48,247,800 | 5,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 4,602 |
| Cost of funding earning assets | 1.5664% | 5,558 |
| Net interest margin | 3.8990% | 3,240 |
| Noninterest income to average assets | 0.7886% | 2,498 |
| Noninterest expense to average assets | 3.7658% | 1,672 |
| Loan and lease loss provision to assets | 0.0277% | 7,071 |
| Net operating income to assets | 0.4377% | 4,242 |
| Return on assets (ROA) | 0.4377% | 4,349 |
| Pretax return on assets | 0.3971% | 4,810 |
| Return on Equity (ROE) | 6.1330% | 3,474 |
| Retained earnings to average equity (ytd only) | 0.6987% | 4,895 |
| Net charge-offs to loans | 0.3404% | 3,936 |
| Credit loss provision to net charge-offs | 12.2951% | 6,609 |
| Earnings coverage of net charge-offs (x) | 1.8853% | 4,396 |
| Efficiency ratio | 89.8634% | 1,699 |
| Assets per employee ($millions) | 2.8342% | 6,571 |
| Cash dividends to net income (ytd only)* | 88.6072% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5703% | 7,620 |
| Loan loss allowance to noncurrent loans | 149.4681% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 6,516 |
| Noncurrent loans to loans | 0.3816% | 6,585 |
| Net loans and leases to total assets | 64.0213% | 4,866 |
| Net loans and leases to deposits | 79.5450% | 4,467 |
| Net loans and leases to core deposits | 103.4919% | 3,998 |
| Total domestic deposits to total assets | 80.4843% | 5,255 |
| Equity capital to assets | 6.7457% | 7,691 |
| Core capital (leverage) ratio | 7.2387% | 7,234 |
| Tier 1 risk-based capital ratio | 10.0786% | 6,901 |
| Total risk-based capital ratio | 10.6277% | 7,423 |
| Memoranda: | ||
| Average total assets | $72,192,750 | 5,974 |
| Average earning assets | $62,989,500 | 6,071 |
| Average equity | $5,152,250 | 6,951 |
| Average total loans | $47,782,750 | 5,814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 4,336 |
| Cost of funding earning assets | 1.5138% | 6,082 |
| Net interest margin | 4.0369% | 2,548 |
| Noninterest income to average assets | 0.8085% | 2,371 |
| Noninterest expense to average assets | 3.8643% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4495% | 4,291 |
| Return on assets (ROA) | 0.4495% | 4,397 |
| Pretax return on assets | 0.4495% | 4,790 |
| Return on Equity (ROE) | 6.1760% | 3,568 |
| Retained earnings to average equity (ytd only) | 1.0099% | 4,765 |
| Net charge-offs to loans | 0.5160% | 2,780 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.3033% | 4,547 |
| Efficiency ratio | 89.5806% | 1,851 |
| Assets per employee ($millions) | 2.7138% | 6,801 |
| Cash dividends to net income (ytd only)* | 83.6478% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 7,733 |
| Loan loss allowance to noncurrent loans | 142.2460% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 6,476 |
| Noncurrent loans to loans | 0.3828% | 6,551 |
| Net loans and leases to total assets | 66.3091% | 4,506 |
| Net loans and leases to deposits | 83.7791% | 3,924 |
| Net loans and leases to core deposits | 107.0200% | 3,720 |
| Total domestic deposits to total assets | 79.1476% | 5,766 |
| Equity capital to assets | 7.0436% | 7,589 |
| Core capital (leverage) ratio | 7.4253% | 7,105 |
| Tier 1 risk-based capital ratio | 10.1324% | 6,797 |
| Total risk-based capital ratio | 10.6551% | 7,435 |
| Memoranda: | ||
| Average total assets | $70,749,330 | 6,061 |
| Average earning assets | $61,433,670 | 6,168 |
| Average equity | $5,149,000 | 7,013 |
| Average total loans | $47,286,330 | 5,873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 4,598 |
| Cost of funding earning assets | 1.5936% | 6,056 |
| Net interest margin | 3.9641% | 2,801 |
| Noninterest income to average assets | 0.7138% | 2,802 |
| Noninterest expense to average assets | 3.9143% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2648% | 5,419 |
| Return on assets (ROA) | 0.2648% | 5,585 |
| Pretax return on assets | 0.2648% | 5,773 |
| Return on Equity (ROE) | 3.5777% | 5,139 |
| Retained earnings to average equity (ytd only) | -1.6333% | 6,026 |
| Net charge-offs to loans | 0.9978% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.3966% | 4,670 |
| Efficiency ratio | 93.6639% | 1,455 |
| Assets per employee ($millions) | 2.6107% | 7,071 |
| Cash dividends to net income (ytd only)* | 145.6522% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5795% | 7,700 |
| Loan loss allowance to noncurrent loans | 99.6337% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 5,812 |
| Noncurrent loans to loans | 0.5816% | 5,945 |
| Net loans and leases to total assets | 68.7494% | 3,961 |
| Net loans and leases to deposits | 81.5722% | 4,357 |
| Net loans and leases to core deposits | 102.6597% | 4,275 |
| Total domestic deposits to total assets | 84.2804% | 3,566 |
| Equity capital to assets | 7.5460% | 7,316 |
| Core capital (leverage) ratio | 7.3828% | 7,293 |
| Tier 1 risk-based capital ratio | 10.4790% | 6,417 |
| Total risk-based capital ratio | 11.0368% | 7,063 |
| Memoranda: | ||
| Average total assets | $69,488,000 | 6,124 |
| Average earning assets | $60,744,500 | 6,225 |
| Average equity | $5,143,000 | 7,066 |
| Average total loans | $46,503,500 | 5,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2752% | 4,094 |
| Cost of funding earning assets | 2.3182% | 5,070 |
| Net interest margin | 3.9570% | 3,329 |
| Noninterest income to average assets | 0.8283% | 2,364 |
| Noninterest expense to average assets | 4.0436% | 1,353 |
| Loan and lease loss provision to assets | 0.0267% | 7,065 |
| Net operating income to assets | 0.1837% | 5,899 |
| Return on assets (ROA) | 0.1837% | 5,730 |
| Pretax return on assets | 0.1497% | 5,843 |
| Return on Equity (ROE) | 2.4804% | 5,429 |
| Retained earnings to average equity (ytd only) | -3.3805% | 6,202 |
| Net charge-offs to loans | 0.0494% | 6,088 |
| Credit loss provision to net charge-offs | 85.7143% | 5,769 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 3,570 |
| Efficiency ratio | 95.8216% | 1,168 |
| Assets per employee ($millions) | 2.4517% | 7,296 |
| Cash dividends to net income (ytd only)* | 236.2903% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 6,933 |
| Loan loss allowance to noncurrent loans | 43.4978% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,400 |
| Noncurrent loans to loans | 1.9362% | 2,852 |
| Net loans and leases to total assets | 64.2513% | 5,225 |
| Net loans and leases to deposits | 74.4007% | 5,794 |
| Net loans and leases to core deposits | 93.3543% | 5,508 |
| Total domestic deposits to total assets | 86.3585% | 2,236 |
| Equity capital to assets | 7.2631% | 7,582 |
| Core capital (leverage) ratio | 7.6065% | 7,067 |
| Tier 1 risk-based capital ratio | 10.8370% | 5,873 |
| Total risk-based capital ratio | 11.6566% | 6,181 |
| Memoranda: | ||
| Average total assets | $67,490,200 | 6,103 |
| Average earning assets | $57,846,400 | 6,267 |
| Average equity | $4,999,200 | 7,141 |
| Average total loans | $42,548,800 | 6,045 |