Home > Home Exchange Bank > Performance and Condition Ratios
Home Exchange Bank, Performance and Condition Ratios
| 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 | 3.3699% | 3,193 |
| Cost of funding earning assets | 0.2958% | 2,633 |
| Net interest margin | 3.0740% | 3,117 |
| Noninterest income to average assets | 3.1367% | 184 |
| Noninterest expense to average assets | 1.6353% | 4,420 |
| Loan and lease loss provision to assets | 0.0270% | 2,456 |
| Net operating income to assets | 4.3710% | 58 |
| Return on assets (ROA) | 4.3737% | 58 |
| Pretax return on assets | 4.3827% | 72 |
| Return on Equity (ROE) | 32.6082% | 71 |
| Retained earnings to average equity (ytd only) | 6.3206% | 2,686 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0644% | 4,877 |
| Assets per employee ($millions) | 7.6946% | 1,452 |
| Cash dividends to net income (ytd only)* | 80.6166% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6786% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 39.4540% | 4,236 |
| Net loans and leases to deposits | 52.0226% | 3,883 |
| Net loans and leases to core deposits | 60.1995% | 3,458 |
| Total domestic deposits to total assets | 75.8402% | 4,553 |
| Equity capital to assets | 14.7827% | 578 |
| Core capital (leverage) ratio | 14.2137% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,307,000 | 3,533 |
| Average earning assets | $140,180,750 | 3,506 |
| Average equity | $19,892,250 | 3,265 |
| Average total loans | $60,120,250 | 3,864 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 2,754 |
| Cost of funding earning assets | 0.2796% | 2,983 |
| Net interest margin | 3.2769% | 2,527 |
| Noninterest income to average assets | 4.2559% | 132 |
| Noninterest expense to average assets | 1.3728% | 4,742 |
| Loan and lease loss provision to assets | 0.0389% | 2,218 |
| Net operating income to assets | 5.9375% | 43 |
| Return on assets (ROA) | 5.9414% | 44 |
| Pretax return on assets | 5.9504% | 56 |
| Return on Equity (ROE) | 45.6136% | 30 |
| Retained earnings to average equity (ytd only) | 33.6001% | 23 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.6563% | 4,936 |
| Assets per employee ($millions) | 7.8187% | 1,295 |
| Cash dividends to net income (ytd only)* | 26.3376% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3062% | 116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.8038% | 4,349 |
| Net loans and leases to deposits | 45.9070% | 4,314 |
| Net loans and leases to core deposits | 62.8496% | 3,387 |
| Total domestic deposits to total assets | 84.5269% | 3,274 |
| Equity capital to assets | 14.6828% | 582 |
| Core capital (leverage) ratio | 15.1702% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,140,000 | 3,490 |
| Average earning assets | $145,928,667 | 3,461 |
| Average equity | $20,077,333 | 3,234 |
| Average total loans | $62,300,333 | 3,856 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9856% | 4,118 |
| Cost of funding earning assets | 0.2983% | 3,013 |
| Net interest margin | 2.6873% | 3,992 |
| Noninterest income to average assets | 0.5021% | 2,604 |
| Noninterest expense to average assets | 1.4274% | 4,715 |
| Loan and lease loss provision to assets | 0.0765% | 1,664 |
| Net operating income to assets | 1.5395% | 1,242 |
| Return on assets (ROA) | 1.5395% | 1,306 |
| Pretax return on assets | 1.5472% | 1,861 |
| Return on Equity (ROE) | 12.5768% | 1,803 |
| Retained earnings to average equity (ytd only) | 0.2082% | 4,344 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7836% | 4,420 |
| Assets per employee ($millions) | 7.4073% | 1,513 |
| Cash dividends to net income (ytd only)* | 98.3444% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0193% | 18 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.4873% | 4,407 |
| Net loans and leases to deposits | 44.4528% | 4,404 |
| Net loans and leases to core deposits | 62.4358% | 3,545 |
| Total domestic deposits to total assets | 86.5800% | 2,490 |
| Equity capital to assets | 12.5782% | 1,053 |
| Core capital (leverage) ratio | 12.4912% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,932,500 | 3,467 |
| Average earning assets | $148,849,000 | 3,430 |
| Average equity | $19,210,000 | 3,310 |
| Average total loans | $63,642,500 | 3,855 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2618% | 4,380 |
| Cost of funding earning assets | 0.6534% | 1,969 |
| Net interest margin | 2.6085% | 4,490 |
| Noninterest income to average assets | 0.2743% | 3,836 |
| Noninterest expense to average assets | 1.2535% | 4,883 |
| Loan and lease loss provision to assets | 0.1048% | 3,022 |
| Net operating income to assets | 1.3886% | 1,046 |
| Return on assets (ROA) | 1.3909% | 1,131 |
| Pretax return on assets | 1.3950% | 1,674 |
| Return on Equity (ROE) | 11.8584% | 1,361 |
| Retained earnings to average equity (ytd only) | 0.4668% | 4,374 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5643% | 4,736 |
| Assets per employee ($millions) | 8.2860% | 941 |
| Cash dividends to net income (ytd only)* | 96.0637% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5670% | 20 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 36.4205% | 4,578 |
| Net loans and leases to deposits | 41.7022% | 4,605 |
| Net loans and leases to core deposits | 70.6645% | 3,212 |
| Total domestic deposits to total assets | 87.3347% | 1,772 |
| Equity capital to assets | 11.9394% | 1,604 |
| Core capital (leverage) ratio | 11.3505% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,682,800 | 3,181 |
| Average earning assets | $163,005,800 | 3,137 |
| Average equity | $20,137,600 | 3,179 |
| Average total loans | $69,917,600 | 3,737 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3162% | 4,453 |
| Cost of funding earning assets | 0.7435% | 1,782 |
| Net interest margin | 2.5727% | 4,596 |
| Noninterest income to average assets | 0.2518% | 3,970 |
| Noninterest expense to average assets | 1.2596% | 4,920 |
| Loan and lease loss provision to assets | 0.1039% | 3,020 |
| Net operating income to assets | 1.3236% | 1,301 |
| Return on assets (ROA) | 1.3350% | 1,363 |
| Pretax return on assets | 1.3427% | 1,894 |
| Return on Equity (ROE) | 11.4308% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.7240% | 1,806 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7429% | 4,675 |
| Assets per employee ($millions) | 8.8754% | 723 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2141% | 21 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 35.4750% | 4,701 |
| Net loans and leases to deposits | 44.6841% | 4,639 |
| Net loans and leases to core deposits | 75.7628% | 3,188 |
| Total domestic deposits to total assets | 79.3908% | 3,983 |
| Equity capital to assets | 11.7279% | 1,858 |
| Core capital (leverage) ratio | 11.5867% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,173,500 | 3,150 |
| Average earning assets | $164,439,500 | 3,108 |
| Average equity | $20,225,500 | 3,160 |
| Average total loans | $71,072,750 | 3,726 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4274% | 4,511 |
| Cost of funding earning assets | 0.9142% | 1,307 |
| Net interest margin | 2.5132% | 4,730 |
| Noninterest income to average assets | 0.2679% | 3,872 |
| Noninterest expense to average assets | 1.2566% | 4,958 |
| Loan and lease loss provision to assets | 0.1048% | 2,962 |
| Net operating income to assets | 1.2846% | 1,401 |
| Return on assets (ROA) | 1.2846% | 1,515 |
| Pretax return on assets | 1.2916% | 2,056 |
| Return on Equity (ROE) | 11.0146% | 1,624 |
| Retained earnings to average equity (ytd only) | 7.0002% | 1,661 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3661% | 4,667 |
| Assets per employee ($millions) | 9.0358% | 673 |
| Cash dividends to net income (ytd only)* | 36.4461% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9315% | 19 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 37.9392% | 4,669 |
| Net loans and leases to deposits | 48.8473% | 4,572 |
| Net loans and leases to core deposits | 88.9930% | 2,159 |
| Total domestic deposits to total assets | 77.6689% | 4,234 |
| Equity capital to assets | 12.1039% | 1,603 |
| Core capital (leverage) ratio | 11.3220% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,728,667 | 3,145 |
| Average earning assets | $162,979,667 | 3,110 |
| Average equity | $20,028,000 | 3,169 |
| Average total loans | $72,141,333 | 3,714 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 4,683 |
| Cost of funding earning assets | 1.0739% | 1,123 |
| Net interest margin | 2.3807% | 4,885 |
| Noninterest income to average assets | 0.2236% | 4,214 |
| Noninterest expense to average assets | 1.1971% | 5,027 |
| Loan and lease loss provision to assets | 0.1048% | 2,373 |
| Net operating income to assets | 1.1762% | 1,595 |
| Return on assets (ROA) | 1.1878% | 1,674 |
| Pretax return on assets | 1.1947% | 2,217 |
| Return on Equity (ROE) | 10.3806% | 1,619 |
| Retained earnings to average equity (ytd only) | 6.4319% | 1,738 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1724% | 4,751 |
| Assets per employee ($millions) | 9.1090% | 516 |
| Cash dividends to net income (ytd only)* | 38.0392% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6218% | 22 |
| Loan loss allowance to noncurrent loans | 240,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,651 |
| Noncurrent loans to loans | 0.0028% | 4,569 |
| Net loans and leases to total assets | 39.1585% | 4,698 |
| Net loans and leases to deposits | 48.8630% | 4,632 |
| Net loans and leases to core deposits | 99.0544% | 1,546 |
| Total domestic deposits to total assets | 80.1394% | 3,833 |
| Equity capital to assets | 11.6860% | 2,297 |
| Core capital (leverage) ratio | 11.6841% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,753,000 | 3,119 |
| Average earning assets | $163,148,500 | 3,079 |
| Average equity | $19,652,000 | 3,200 |
| Average total loans | $73,219,500 | 3,697 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 4,056 |
| Cost of funding earning assets | 1.4306% | 504 |
| Net interest margin | 2.6622% | 4,861 |
| Noninterest income to average assets | 0.2499% | 4,182 |
| Noninterest expense to average assets | 1.2770% | 5,075 |
| Loan and lease loss provision to assets | 0.1080% | 1,924 |
| Net operating income to assets | 1.3855% | 1,391 |
| Return on assets (ROA) | 1.3760% | 1,502 |
| Pretax return on assets | 1.3838% | 2,224 |
| Return on Equity (ROE) | 12.5293% | 1,322 |
| Retained earnings to average equity (ytd only) | 2.5091% | 3,776 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9639% | 4,911 |
| Assets per employee ($millions) | 8.5218% | 589 |
| Cash dividends to net income (ytd only)* | 79.9740% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4459% | 17 |
| Loan loss allowance to noncurrent loans | 476,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,698 |
| Noncurrent loans to loans | 0.0014% | 4,611 |
| Net loans and leases to total assets | 40.5433% | 4,715 |
| Net loans and leases to deposits | 46.4266% | 4,773 |
| Net loans and leases to core deposits | 84.8436% | 2,885 |
| Total domestic deposits to total assets | 87.3277% | 1,441 |
| Equity capital to assets | 11.1943% | 2,822 |
| Core capital (leverage) ratio | 10.8726% | 2,617 |
| Tier 1 risk-based capital ratio | 21.0883% | 1,151 |
| Total risk-based capital ratio | 22.3881% | 1,118 |
| Memoranda: | ||
| Average total assets | $167,659,000 | 3,127 |
| Average earning assets | $159,231,600 | 3,087 |
| Average equity | $18,412,800 | 3,296 |
| Average total loans | $72,289,800 | 3,730 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 4,081 |
| Cost of funding earning assets | 1.4673% | 456 |
| Net interest margin | 2.6647% | 4,964 |
| Noninterest income to average assets | 0.2595% | 4,193 |
| Noninterest expense to average assets | 1.2673% | 5,157 |
| Loan and lease loss provision to assets | 0.1078% | 1,799 |
| Net operating income to assets | 1.4069% | 1,448 |
| Return on assets (ROA) | 1.3935% | 1,556 |
| Pretax return on assets | 1.4015% | 2,310 |
| Return on Equity (ROE) | 12.7512% | 1,373 |
| Retained earnings to average equity (ytd only) | -0.7234% | 4,835 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4207% | 4,960 |
| Assets per employee ($millions) | 8.6666% | 537 |
| Cash dividends to net income (ytd only)* | 105.6735% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5196% | 18 |
| Loan loss allowance to noncurrent loans | 15,720.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,662 |
| Noncurrent loans to loans | 0.0415% | 4,467 |
| Net loans and leases to total assets | 39.0118% | 4,848 |
| Net loans and leases to deposits | 44.5059% | 4,899 |
| Net loans and leases to core deposits | 86.3579% | 2,878 |
| Total domestic deposits to total assets | 87.6555% | 1,188 |
| Equity capital to assets | 10.7182% | 3,365 |
| Core capital (leverage) ratio | 10.7729% | 2,865 |
| Tier 1 risk-based capital ratio | 20.2810% | 1,323 |
| Total risk-based capital ratio | 21.5790% | 1,279 |
| Memoranda: | ||
| Average total assets | $166,965,000 | 3,159 |
| Average earning assets | $158,561,750 | 3,127 |
| Average equity | $18,246,250 | 3,333 |
| Average total loans | $71,897,000 | 3,784 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 4,031 |
| Cost of funding earning assets | 1.5004% | 383 |
| Net interest margin | 2.6571% | 5,034 |
| Noninterest income to average assets | 0.2778% | 4,077 |
| Noninterest expense to average assets | 1.3079% | 5,199 |
| Loan and lease loss provision to assets | 0.1092% | 1,712 |
| Net operating income to assets | 1.3749% | 1,500 |
| Return on assets (ROA) | 1.3977% | 1,503 |
| Pretax return on assets | 1.4062% | 2,188 |
| Return on Equity (ROE) | 12.7042% | 1,334 |
| Retained earnings to average equity (ytd only) | 9.6715% | 857 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7071% | 4,956 |
| Assets per employee ($millions) | 7.7022% | 743 |
| Cash dividends to net income (ytd only)* | 23.8715% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5084% | 15 |
| Loan loss allowance to noncurrent loans | 116,775.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,814 |
| Noncurrent loans to loans | 0.0056% | 4,706 |
| Net loans and leases to total assets | 41.4836% | 4,802 |
| Net loans and leases to deposits | 54.6032% | 4,659 |
| Net loans and leases to core deposits | 92.2563% | 2,392 |
| Total domestic deposits to total assets | 75.9728% | 4,674 |
| Equity capital to assets | 11.9249% | 2,252 |
| Core capital (leverage) ratio | 11.6211% | 2,079 |
| Tier 1 risk-based capital ratio | 21.0727% | 1,168 |
| Total risk-based capital ratio | 22.3699% | 1,145 |
| Memoranda: | ||
| Average total assets | $164,842,670 | 3,198 |
| Average earning assets | $156,487,330 | 3,164 |
| Average equity | $18,135,670 | 3,335 |
| Average total loans | $71,750,670 | 3,803 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 4,136 |
| Cost of funding earning assets | 1.4665% | 367 |
| Net interest margin | 2.6286% | 5,120 |
| Noninterest income to average assets | 0.2356% | 4,329 |
| Noninterest expense to average assets | 1.2212% | 5,279 |
| Loan and lease loss provision to assets | 0.1082% | 1,643 |
| Net operating income to assets | 1.3895% | 1,405 |
| Return on assets (ROA) | 1.3895% | 1,441 |
| Pretax return on assets | 1.3967% | 2,097 |
| Return on Equity (ROE) | 13.1667% | 1,165 |
| Retained earnings to average equity (ytd only) | 6.9022% | 2,079 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7972% | 5,079 |
| Assets per employee ($millions) | 8.3700% | 587 |
| Cash dividends to net income (ytd only)* | 47.5779% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3832% | 18 |
| Loan loss allowance to noncurrent loans | 92,500.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,878 |
| Noncurrent loans to loans | 0.0069% | 4,767 |
| Net loans and leases to total assets | 40.5206% | 4,873 |
| Net loans and leases to deposits | 63.2050% | 4,234 |
| Net loans and leases to core deposits | 98.1436% | 1,760 |
| Total domestic deposits to total assets | 64.1097% | 5,239 |
| Equity capital to assets | 10.9881% | 2,865 |
| Core capital (leverage) ratio | 11.4479% | 2,171 |
| Tier 1 risk-based capital ratio | 20.0324% | 1,336 |
| Total risk-based capital ratio | 21.3276% | 1,297 |
| Memoranda: | ||
| Average total assets | $166,391,000 | 3,224 |
| Average earning assets | $157,650,000 | 3,187 |
| Average equity | $17,559,500 | 3,407 |
| Average total loans | $71,741,500 | 3,840 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,983 |
| Cost of funding earning assets | 1.1322% | 453 |
| Net interest margin | 2.8823% | 4,940 |
| Noninterest income to average assets | 0.2845% | 4,197 |
| Noninterest expense to average assets | 1.2983% | 5,299 |
| Loan and lease loss provision to assets | 0.1117% | 1,976 |
| Net operating income to assets | 1.6044% | 858 |
| Return on assets (ROA) | 1.5828% | 910 |
| Pretax return on assets | 1.5909% | 1,499 |
| Return on Equity (ROE) | 16.4143% | 548 |
| Retained earnings to average equity (ytd only) | 8.3010% | 1,119 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9515% | 5,212 |
| Assets per employee ($millions) | 9.1879% | 438 |
| Cash dividends to net income (ytd only)* | 49.4285% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4483% | 19 |
| Loan loss allowance to noncurrent loans | 65,428.5714% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,910 |
| Noncurrent loans to loans | 0.0099% | 4,764 |
| Net loans and leases to total assets | 40.1776% | 4,941 |
| Net loans and leases to deposits | 58.4869% | 4,552 |
| Net loans and leases to core deposits | 88.6007% | 2,694 |
| Total domestic deposits to total assets | 68.6951% | 5,193 |
| Equity capital to assets | 10.1129% | 3,557 |
| Core capital (leverage) ratio | 11.4790% | 2,121 |
| Tier 1 risk-based capital ratio | 20.1081% | 1,286 |
| Total risk-based capital ratio | 21.4035% | 1,260 |
| Memoranda: | ||
| Average total assets | $160,290,400 | 3,278 |
| Average earning assets | $152,274,200 | 3,221 |
| Average equity | $15,456,000 | 3,579 |
| Average total loans | $69,248,000 | 3,883 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 4,047 |
| Cost of funding earning assets | 1.0446% | 489 |
| Net interest margin | 2.9151% | 4,953 |
| Noninterest income to average assets | 0.3002% | 4,141 |
| Noninterest expense to average assets | 1.2610% | 5,382 |
| Loan and lease loss provision to assets | 0.1132% | 1,795 |
| Net operating income to assets | 1.6875% | 769 |
| Return on assets (ROA) | 1.6585% | 829 |
| Pretax return on assets | 1.6669% | 1,358 |
| Return on Equity (ROE) | 17.4207% | 493 |
| Retained earnings to average equity (ytd only) | 10.5599% | 754 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0705% | 5,305 |
| Assets per employee ($millions) | 8.5482% | 525 |
| Cash dividends to net income (ytd only)* | 39.3831% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2146% | 21 |
| Loan loss allowance to noncurrent loans | 56,687.5000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,007 |
| Noncurrent loans to loans | 0.0110% | 4,871 |
| Net loans and leases to total assets | 42.1375% | 4,953 |
| Net loans and leases to deposits | 62.0415% | 4,437 |
| Net loans and leases to core deposits | 90.4678% | 2,621 |
| Total domestic deposits to total assets | 67.9182% | 5,283 |
| Equity capital to assets | 8.9554% | 4,593 |
| Core capital (leverage) ratio | 11.6610% | 2,038 |
| Tier 1 risk-based capital ratio | 19.7238% | 1,395 |
| Total risk-based capital ratio | 21.0172% | 1,353 |
| Memoranda: | ||
| Average total assets | $159,017,250 | 3,318 |
| Average earning assets | $151,117,500 | 3,263 |
| Average equity | $15,138,750 | 3,642 |
| Average total loans | $68,803,250 | 3,936 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 4,079 |
| Cost of funding earning assets | 0.9622% | 553 |
| Net interest margin | 2.9400% | 4,963 |
| Noninterest income to average assets | 0.2711% | 4,376 |
| Noninterest expense to average assets | 1.2883% | 5,435 |
| Loan and lease loss provision to assets | 0.1140% | 1,741 |
| Net operating income to assets | 1.6539% | 796 |
| Return on assets (ROA) | 1.6100% | 906 |
| Pretax return on assets | 1.6189% | 1,445 |
| Return on Equity (ROE) | 16.5747% | 579 |
| Retained earnings to average equity (ytd only) | 6.4160% | 2,355 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0248% | 5,343 |
| Assets per employee ($millions) | 8.3823% | 540 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4852% | 23 |
| Loan loss allowance to noncurrent loans | 49,900.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,021 |
| Noncurrent loans to loans | 0.0130% | 4,889 |
| Net loans and leases to total assets | 40.6614% | 5,035 |
| Net loans and leases to deposits | 57.5958% | 4,662 |
| Net loans and leases to core deposits | 80.2705% | 3,397 |
| Total domestic deposits to total assets | 70.5979% | 5,256 |
| Equity capital to assets | 9.1973% | 4,384 |
| Core capital (leverage) ratio | 11.3016% | 2,252 |
| Tier 1 risk-based capital ratio | 19.8771% | 1,345 |
| Total risk-based capital ratio | 21.1731% | 1,306 |
| Memoranda: | ||
| Average total assets | $157,884,330 | 3,346 |
| Average earning assets | $150,066,000 | 3,294 |
| Average equity | $15,336,670 | 3,639 |
| Average total loans | $67,413,330 | 3,988 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,118 |
| Cost of funding earning assets | 0.8829% | 653 |
| Net interest margin | 2.9538% | 4,950 |
| Noninterest income to average assets | 0.2036% | 4,810 |
| Noninterest expense to average assets | 1.2163% | 5,514 |
| Loan and lease loss provision to assets | 0.1145% | 1,648 |
| Net operating income to assets | 1.6744% | 719 |
| Return on assets (ROA) | 1.5802% | 906 |
| Pretax return on assets | 1.5878% | 1,421 |
| Return on Equity (ROE) | 15.8408% | 655 |
| Retained earnings to average equity (ytd only) | 0.7908% | 4,667 |
| Net charge-offs to loans | -0.0060% | 4,067 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3716% | 5,451 |
| Assets per employee ($millions) | 7.8050% | 678 |
| Cash dividends to net income (ytd only)* | 95.0081% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7321% | 19 |
| Loan loss allowance to noncurrent loans | 2,964.6667% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,609 |
| Noncurrent loans to loans | 0.2271% | 3,959 |
| Net loans and leases to total assets | 39.4683% | 5,089 |
| Net loans and leases to deposits | 53.5790% | 4,820 |
| Net loans and leases to core deposits | 74.5649% | 3,777 |
| Total domestic deposits to total assets | 73.6637% | 5,186 |
| Equity capital to assets | 9.5669% | 4,025 |
| Core capital (leverage) ratio | 11.0607% | 2,372 |
| Tier 1 risk-based capital ratio | 20.2638% | 1,302 |
| Total risk-based capital ratio | 21.5628% | 1,266 |
| Memoranda: | ||
| Average total assets | $157,194,500 | 3,390 |
| Average earning assets | $149,501,000 | 3,335 |
| Average equity | $15,681,000 | 3,627 |
| Average total loans | $66,495,000 | 4,044 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,067 |
| Cost of funding earning assets | 0.6887% | 1,082 |
| Net interest margin | 3.1048% | 4,684 |
| Noninterest income to average assets | 0.2781% | 4,468 |
| Noninterest expense to average assets | 1.2484% | 5,573 |
| Loan and lease loss provision to assets | 0.1154% | 1,968 |
| Net operating income to assets | 1.8675% | 363 |
| Return on assets (ROA) | 1.8463% | 383 |
| Pretax return on assets | 1.8546% | 678 |
| Return on Equity (ROE) | 17.9058% | 316 |
| Retained earnings to average equity (ytd only) | 6.1965% | 1,439 |
| Net charge-offs to loans | -0.1664% | 5,486 |
| Credit loss provision to net charge-offs | -166.6667% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5361% | 5,549 |
| Assets per employee ($millions) | 8.3310% | 564 |
| Cash dividends to net income (ytd only)* | 65.3940% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5752% | 18 |
| Loan loss allowance to noncurrent loans | 3,077.6224% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,672 |
| Noncurrent loans to loans | 0.2136% | 4,059 |
| Net loans and leases to total assets | 39.5050% | 5,148 |
| Net loans and leases to deposits | 57.2297% | 4,737 |
| Net loans and leases to core deposits | 79.2668% | 3,479 |
| Total domestic deposits to total assets | 69.0288% | 5,438 |
| Equity capital to assets | 10.3785% | 3,297 |
| Core capital (leverage) ratio | 11.1267% | 2,218 |
| Tier 1 risk-based capital ratio | 20.0671% | 1,306 |
| Total risk-based capital ratio | 21.3639% | 1,253 |
| Memoranda: | ||
| Average total assets | $156,041,600 | 3,402 |
| Average earning assets | $148,834,600 | 3,337 |
| Average equity | $16,089,800 | 3,580 |
| Average total loans | $64,910,200 | 4,076 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 3,971 |
| Cost of funding earning assets | 0.6645% | 1,149 |
| Net interest margin | 3.1455% | 4,588 |
| Noninterest income to average assets | 0.2778% | 4,526 |
| Noninterest expense to average assets | 1.2331% | 5,644 |
| Loan and lease loss provision to assets | 0.1158% | 1,867 |
| Net operating income to assets | 1.9243% | 366 |
| Return on assets (ROA) | 1.9132% | 379 |
| Pretax return on assets | 1.9217% | 651 |
| Return on Equity (ROE) | 18.5851% | 296 |
| Retained earnings to average equity (ytd only) | 2.8907% | 4,180 |
| Net charge-offs to loans | -0.2194% | 5,560 |
| Credit loss provision to net charge-offs | -127.3585% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5751% | 5,625 |
| Assets per employee ($millions) | 8.0635% | 617 |
| Cash dividends to net income (ytd only)* | 84.4466% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8853% | 12 |
| Loan loss allowance to noncurrent loans | 3,024.3056% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 4,768 |
| Noncurrent loans to loans | 0.2277% | 4,154 |
| Net loans and leases to total assets | 38.4424% | 5,250 |
| Net loans and leases to deposits | 56.8807% | 4,820 |
| Net loans and leases to core deposits | 75.4110% | 3,853 |
| Total domestic deposits to total assets | 67.5842% | 5,549 |
| Equity capital to assets | 10.8357% | 3,027 |
| Core capital (leverage) ratio | 10.7055% | 2,760 |
| Tier 1 risk-based capital ratio | 20.3584% | 1,297 |
| Total risk-based capital ratio | 21.6581% | 1,265 |
| Memoranda: | ||
| Average total assets | $155,479,750 | 3,440 |
| Average earning assets | $148,484,000 | 3,372 |
| Average equity | $16,005,250 | 3,627 |
| Average total loans | $64,404,500 | 4,120 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 3,859 |
| Cost of funding earning assets | 0.6297% | 1,269 |
| Net interest margin | 3.1790% | 4,474 |
| Noninterest income to average assets | 0.2880% | 4,492 |
| Noninterest expense to average assets | 1.2532% | 5,690 |
| Loan and lease loss provision to assets | 0.1152% | 1,784 |
| Net operating income to assets | 1.9560% | 332 |
| Return on assets (ROA) | 1.9624% | 336 |
| Pretax return on assets | 1.9701% | 559 |
| Return on Equity (ROE) | 19.3969% | 245 |
| Retained earnings to average equity (ytd only) | 9.4897% | 713 |
| Net charge-offs to loans | -0.1667% | 5,548 |
| Credit loss provision to net charge-offs | -166.6667% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6104% | 5,669 |
| Assets per employee ($millions) | 8.0651% | 603 |
| Cash dividends to net income (ytd only)* | 51.0763% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5539% | 20 |
| Loan loss allowance to noncurrent loans | 2,338.4615% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 4,719 |
| Noncurrent loans to loans | 0.2803% | 4,034 |
| Net loans and leases to total assets | 39.6001% | 5,239 |
| Net loans and leases to deposits | 56.9020% | 4,811 |
| Net loans and leases to core deposits | 77.0516% | 3,674 |
| Total domestic deposits to total assets | 69.5935% | 5,550 |
| Equity capital to assets | 10.9667% | 2,841 |
| Core capital (leverage) ratio | 10.6405% | 2,767 |
| Tier 1 risk-based capital ratio | 20.3531% | 1,296 |
| Total risk-based capital ratio | 21.6504% | 1,265 |
| Memoranda: | ||
| Average total assets | $156,237,670 | 3,437 |
| Average earning assets | $149,605,670 | 3,378 |
| Average equity | $15,806,670 | 3,661 |
| Average total loans | $64,789,000 | 4,129 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,098 |
| Cost of funding earning assets | 0.5702% | 1,581 |
| Net interest margin | 3.1385% | 4,535 |
| Noninterest income to average assets | 0.3246% | 4,221 |
| Noninterest expense to average assets | 1.1944% | 5,770 |
| Loan and lease loss provision to assets | 0.1141% | 1,681 |
| Net operating income to assets | 2.0236% | 291 |
| Return on assets (ROA) | 2.0236% | 300 |
| Pretax return on assets | 2.0312% | 474 |
| Return on Equity (ROE) | 20.8525% | 195 |
| Retained earnings to average equity (ytd only) | 11.0795% | 591 |
| Net charge-offs to loans | -0.0062% | 4,245 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7631% | 5,756 |
| Assets per employee ($millions) | 7.8631% | 656 |
| Cash dividends to net income (ytd only)* | 46.8672% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4738% | 24 |
| Loan loss allowance to noncurrent loans | 1,792.6724% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,670 |
| Noncurrent loans to loans | 0.3611% | 3,797 |
| Net loans and leases to total assets | 38.2072% | 5,315 |
| Net loans and leases to deposits | 56.9294% | 4,761 |
| Net loans and leases to core deposits | 77.0558% | 3,560 |
| Total domestic deposits to total assets | 67.1133% | 5,695 |
| Equity capital to assets | 9.9319% | 3,839 |
| Core capital (leverage) ratio | 10.4635% | 2,944 |
| Tier 1 risk-based capital ratio | 20.1944% | 1,353 |
| Total risk-based capital ratio | 21.4909% | 1,311 |
| Memoranda: | ||
| Average total assets | $157,738,000 | 3,455 |
| Average earning assets | $151,538,500 | 3,381 |
| Average equity | $15,307,500 | 3,746 |
| Average total loans | $64,714,500 | 4,163 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 4,025 |
| Cost of funding earning assets | 0.4838% | 2,221 |
| Net interest margin | 3.2750% | 4,219 |
| Noninterest income to average assets | 0.1579% | 5,421 |
| Noninterest expense to average assets | 1.1960% | 5,831 |
| Loan and lease loss provision to assets | 0.1205% | 2,053 |
| Net operating income to assets | 1.9998% | 316 |
| Return on assets (ROA) | 2.1678% | 246 |
| Pretax return on assets | 2.1765% | 344 |
| Return on Equity (ROE) | 19.8145% | 218 |
| Retained earnings to average equity (ytd only) | 10.0755% | 398 |
| Net charge-offs to loans | -0.1786% | 5,721 |
| Credit loss provision to net charge-offs | -163.6364% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9702% | 5,826 |
| Assets per employee ($millions) | 8.3271% | 528 |
| Cash dividends to net income (ytd only)* | 49.1510% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3097% | 20 |
| Loan loss allowance to noncurrent loans | 1,742.7966% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,722 |
| Noncurrent loans to loans | 0.3620% | 3,830 |
| Net loans and leases to total assets | 38.6006% | 5,375 |
| Net loans and leases to deposits | 59.2800% | 4,720 |
| Net loans and leases to core deposits | 80.1165% | 3,386 |
| Total domestic deposits to total assets | 65.1158% | 5,773 |
| Equity capital to assets | 9.4782% | 4,293 |
| Core capital (leverage) ratio | 10.4739% | 2,901 |
| Tier 1 risk-based capital ratio | 19.4664% | 1,488 |
| Total risk-based capital ratio | 20.7609% | 1,438 |
| Memoranda: | ||
| Average total assets | $149,414,400 | 3,531 |
| Average earning assets | $144,486,800 | 3,437 |
| Average equity | $16,346,600 | 3,647 |
| Average total loans | $61,587,600 | 4,241 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 3,998 |
| Cost of funding earning assets | 0.4674% | 2,392 |
| Net interest margin | 3.3086% | 4,160 |
| Noninterest income to average assets | 0.1648% | 5,442 |
| Noninterest expense to average assets | 1.1738% | 5,897 |
| Loan and lease loss provision to assets | 0.1223% | 1,905 |
| Net operating income to assets | 2.0650% | 310 |
| Return on assets (ROA) | 2.2995% | 224 |
| Pretax return on assets | 2.3086% | 310 |
| Return on Equity (ROE) | 20.2901% | 224 |
| Retained earnings to average equity (ytd only) | 9.1661% | 768 |
| Net charge-offs to loans | -0.1252% | 5,651 |
| Credit loss provision to net charge-offs | -236.8421% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8293% | 5,900 |
| Assets per employee ($millions) | 8.7641% | 442 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4297% | 20 |
| Loan loss allowance to noncurrent loans | 1,173.9766% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,564 |
| Noncurrent loans to loans | 0.5477% | 3,356 |
| Net loans and leases to total assets | 37.0389% | 5,508 |
| Net loans and leases to deposits | 59.6206% | 4,784 |
| Net loans and leases to core deposits | 73.9564% | 4,006 |
| Total domestic deposits to total assets | 62.1243% | 5,869 |
| Equity capital to assets | 11.0496% | 2,956 |
| Core capital (leverage) ratio | 10.1785% | 3,351 |
| Tier 1 risk-based capital ratio | 19.6805% | 1,504 |
| Total risk-based capital ratio | 20.9769% | 1,463 |
| Memoranda: | ||
| Average total assets | $147,214,250 | 3,579 |
| Average earning assets | $142,614,750 | 3,480 |
| Average equity | $16,684,250 | 3,626 |
| Average total loans | $60,688,250 | 4,305 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 4,015 |
| Cost of funding earning assets | 0.4554% | 2,518 |
| Net interest margin | 3.3270% | 4,133 |
| Noninterest income to average assets | 0.1698% | 5,468 |
| Noninterest expense to average assets | 1.1983% | 5,974 |
| Loan and lease loss provision to assets | 0.1253% | 1,821 |
| Net operating income to assets | 2.0598% | 297 |
| Return on assets (ROA) | 2.4133% | 174 |
| Pretax return on assets | 2.4231% | 246 |
| Return on Equity (ROE) | 21.1009% | 190 |
| Retained earnings to average equity (ytd only) | 8.3114% | 1,068 |
| Net charge-offs to loans | -0.1797% | 5,791 |
| Credit loss provision to net charge-offs | -166.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3158% | 5,973 |
| Assets per employee ($millions) | 7.9278% | 579 |
| Cash dividends to net income (ytd only)* | 60.6113% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4942% | 21 |
| Loan loss allowance to noncurrent loans | 1,406.7376% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 4,742 |
| Noncurrent loans to loans | 0.4617% | 3,714 |
| Net loans and leases to total assets | 37.9197% | 5,518 |
| Net loans and leases to deposits | 59.9620% | 4,800 |
| Net loans and leases to core deposits | 76.0225% | 3,819 |
| Total domestic deposits to total assets | 63.2395% | 5,942 |
| Equity capital to assets | 11.4433% | 2,603 |
| Core capital (leverage) ratio | 10.5007% | 2,976 |
| Tier 1 risk-based capital ratio | 19.5074% | 1,566 |
| Total risk-based capital ratio | 20.8034% | 1,514 |
| Memoranda: | ||
| Average total assets | $143,701,330 | 3,648 |
| Average earning assets | $139,225,670 | 3,546 |
| Average equity | $16,435,330 | 3,675 |
| Average total loans | $60,102,670 | 4,345 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 3,742 |
| Cost of funding earning assets | 0.4650% | 2,422 |
| Net interest margin | 3.3934% | 3,896 |
| Noninterest income to average assets | 0.1455% | 5,615 |
| Noninterest expense to average assets | 1.1609% | 6,040 |
| Loan and lease loss provision to assets | 0.1284% | 1,660 |
| Net operating income to assets | 2.1364% | 256 |
| Return on assets (ROA) | 2.5300% | 154 |
| Pretax return on assets | 2.5386% | 223 |
| Return on Equity (ROE) | 22.1273% | 155 |
| Retained earnings to average equity (ytd only) | 13.1716% | 374 |
| Net charge-offs to loans | -0.0134% | 4,665 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8040% | 6,045 |
| Assets per employee ($millions) | 8.8710% | 410 |
| Cash dividends to net income (ytd only)* | 40.4735% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5953% | 27 |
| Loan loss allowance to noncurrent loans | 1,015.7480% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 4,484 |
| Noncurrent loans to loans | 0.6493% | 3,227 |
| Net loans and leases to total assets | 38.6146% | 5,526 |
| Net loans and leases to deposits | 57.9911% | 4,855 |
| Net loans and leases to core deposits | 73.8632% | 3,906 |
| Total domestic deposits to total assets | 66.5871% | 5,958 |
| Equity capital to assets | 11.7342% | 2,217 |
| Core capital (leverage) ratio | 10.6144% | 2,832 |
| Tier 1 risk-based capital ratio | 20.0095% | 1,497 |
| Total risk-based capital ratio | 21.3063% | 1,461 |
| Memoranda: | ||
| Average total assets | $140,237,500 | 3,737 |
| Average earning assets | $135,911,500 | 3,619 |
| Average equity | $16,034,500 | 3,730 |
| Average total loans | $59,611,500 | 4,385 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 2,959 |
| Cost of funding earning assets | 0.4664% | 2,470 |
| Net interest margin | 3.6235% | 3,043 |
| Noninterest income to average assets | 0.2631% | 5,003 |
| Noninterest expense to average assets | 1.2294% | 6,087 |
| Loan and lease loss provision to assets | 0.1327% | 1,801 |
| Net operating income to assets | 2.4072% | 171 |
| Return on assets (ROA) | 2.4957% | 158 |
| Pretax return on assets | 2.5053% | 204 |
| Return on Equity (ROE) | 22.0222% | 175 |
| Retained earnings to average equity (ytd only) | 9.3461% | 573 |
| Net charge-offs to loans | -0.8585% | 6,123 |
| Credit loss provision to net charge-offs | -37.1901% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5336% | 6,127 |
| Assets per employee ($millions) | 8.1494% | 523 |
| Cash dividends to net income (ytd only)* | 57.5605% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3143% | 28 |
| Loan loss allowance to noncurrent loans | 382,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,745 |
| Noncurrent loans to loans | 0.0017% | 5,569 |
| Net loans and leases to total assets | 40.9430% | 5,467 |
| Net loans and leases to deposits | 60.5862% | 4,730 |
| Net loans and leases to core deposits | 77.3591% | 3,624 |
| Total domestic deposits to total assets | 67.5781% | 5,985 |
| Equity capital to assets | 11.1261% | 2,707 |
| Core capital (leverage) ratio | 10.7410% | 2,667 |
| Tier 1 risk-based capital ratio | 19.2767% | 1,634 |
| Total risk-based capital ratio | 20.5724% | 1,589 |
| Memoranda: | ||
| Average total assets | $135,673,600 | 3,795 |
| Average earning assets | $131,640,000 | 3,667 |
| Average equity | $15,375,400 | 3,773 |
| Average total loans | $56,375,000 | 4,492 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 4,005 |
| Cost of funding earning assets | 0.4710% | 2,489 |
| Net interest margin | 3.3562% | 4,122 |
| Noninterest income to average assets | 0.6333% | 2,567 |
| Noninterest expense to average assets | 1.2290% | 6,168 |
| Loan and lease loss provision to assets | 0.1334% | 1,681 |
| Net operating income to assets | 2.5202% | 157 |
| Return on assets (ROA) | 2.6388% | 141 |
| Pretax return on assets | 2.6487% | 194 |
| Return on Equity (ROE) | 23.1765% | 157 |
| Retained earnings to average equity (ytd only) | 10.6034% | 538 |
| Net charge-offs to loans | -1.0361% | 6,209 |
| Credit loss provision to net charge-offs | -31.3953% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5736% | 6,216 |
| Assets per employee ($millions) | 7.7388% | 610 |
| Cash dividends to net income (ytd only)* | 54.2494% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3382% | 28 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 41.8296% | 5,501 |
| Net loans and leases to deposits | 57.9286% | 5,008 |
| Net loans and leases to core deposits | 76.7517% | 3,717 |
| Total domestic deposits to total assets | 72.2089% | 5,849 |
| Equity capital to assets | 12.2507% | 1,907 |
| Core capital (leverage) ratio | 10.4425% | 3,114 |
| Tier 1 risk-based capital ratio | 19.9819% | 1,555 |
| Total risk-based capital ratio | 21.2799% | 1,506 |
| Memoranda: | ||
| Average total assets | $134,957,250 | 3,846 |
| Average earning assets | $131,058,250 | 3,707 |
| Average equity | $15,365,750 | 3,809 |
| Average total loans | $55,332,500 | 4,565 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 4,286 |
| Cost of funding earning assets | 0.4691% | 2,526 |
| Net interest margin | 3.2688% | 4,422 |
| Noninterest income to average assets | 0.8627% | 1,563 |
| Noninterest expense to average assets | 1.1786% | 6,253 |
| Loan and lease loss provision to assets | 0.1323% | 1,658 |
| Net operating income to assets | 2.7159% | 123 |
| Return on assets (ROA) | 2.7159% | 129 |
| Pretax return on assets | 2.7261% | 181 |
| Return on Equity (ROE) | 24.4520% | 129 |
| Retained earnings to average equity (ytd only) | 11.3395% | 462 |
| Net charge-offs to loans | -1.5759% | 6,291 |
| Credit loss provision to net charge-offs | -21.0773% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1955% | 6,303 |
| Assets per employee ($millions) | 7.2674% | 740 |
| Cash dividends to net income (ytd only)* | 53.6255% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5280% | 26 |
| Loan loss allowance to noncurrent loans | 367,600.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,923 |
| Noncurrent loans to loans | 0.0018% | 5,775 |
| Net loans and leases to total assets | 38.1189% | 5,733 |
| Net loans and leases to deposits | 55.5356% | 5,154 |
| Net loans and leases to core deposits | 73.6267% | 3,985 |
| Total domestic deposits to total assets | 68.6387% | 6,093 |
| Equity capital to assets | 11.0261% | 2,860 |
| Core capital (leverage) ratio | 10.1364% | 3,418 |
| Tier 1 risk-based capital ratio | 19.5277% | 1,663 |
| Total risk-based capital ratio | 20.8249% | 1,617 |
| Memoranda: | ||
| Average total assets | $136,089,670 | 3,851 |
| Average earning assets | $132,160,000 | 3,718 |
| Average equity | $15,115,330 | 3,866 |
| Average total loans | $54,191,670 | 4,638 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,447 |
| Cost of funding earning assets | 0.4634% | 2,643 |
| Net interest margin | 3.2134% | 4,557 |
| Noninterest income to average assets | 0.1658% | 5,741 |
| Noninterest expense to average assets | 1.1725% | 6,329 |
| Loan and lease loss provision to assets | 0.1332% | 1,552 |
| Net operating income to assets | 1.9720% | 356 |
| Return on assets (ROA) | 1.9749% | 374 |
| Pretax return on assets | 1.9838% | 609 |
| Return on Equity (ROE) | 17.7152% | 415 |
| Retained earnings to average equity (ytd only) | 11.1550% | 695 |
| Net charge-offs to loans | -0.0226% | 5,098 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6757% | 6,332 |
| Assets per employee ($millions) | 7.6994% | 616 |
| Cash dividends to net income (ytd only)* | 37.0315% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0533% | 40 |
| Loan loss allowance to noncurrent loans | 490.3670% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 4,140 |
| Noncurrent loans to loans | 1.2345% | 2,315 |
| Net loans and leases to total assets | 35.9131% | 5,832 |
| Net loans and leases to deposits | 50.8739% | 5,397 |
| Net loans and leases to core deposits | 66.7632% | 4,445 |
| Total domestic deposits to total assets | 70.5924% | 6,101 |
| Equity capital to assets | 11.1732% | 2,785 |
| Core capital (leverage) ratio | 10.1972% | 3,345 |
| Tier 1 risk-based capital ratio | 19.6401% | 1,702 |
| Total risk-based capital ratio | 20.9319% | 1,658 |
| Memoranda: | ||
| Average total assets | $135,094,000 | 3,903 |
| Average earning assets | $131,202,500 | 3,757 |
| Average equity | $15,060,500 | 3,902 |
| Average total loans | $53,132,000 | 4,697 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,619 |
| Cost of funding earning assets | 0.5191% | 2,497 |
| Net interest margin | 3.2414% | 4,788 |
| Noninterest income to average assets | 0.2042% | 5,637 |
| Noninterest expense to average assets | 1.3840% | 6,364 |
| Loan and lease loss provision to assets | 0.1471% | 1,793 |
| Net operating income to assets | 1.7994% | 477 |
| Return on assets (ROA) | 1.7582% | 524 |
| Pretax return on assets | 1.7688% | 851 |
| Return on Equity (ROE) | 16.1661% | 604 |
| Retained earnings to average equity (ytd only) | 9.9536% | 526 |
| Net charge-offs to loans | -0.0879% | 6,082 |
| Credit loss provision to net charge-offs | -418.6047% | 5,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9976% | 6,412 |
| Assets per employee ($millions) | 7.7411% | 594 |
| Cash dividends to net income (ytd only)* | 38.4294% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9285% | 41 |
| Loan loss allowance to noncurrent loans | 463.8767% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 4,071 |
| Noncurrent loans to loans | 1.2780% | 2,319 |
| Net loans and leases to total assets | 38.0902% | 5,843 |
| Net loans and leases to deposits | 52.9571% | 5,415 |
| Net loans and leases to core deposits | 71.7994% | 4,147 |
| Total domestic deposits to total assets | 71.9266% | 6,090 |
| Equity capital to assets | 11.1217% | 2,782 |
| Core capital (leverage) ratio | 10.4644% | 2,987 |
| Tier 1 risk-based capital ratio | 19.7496% | 1,652 |
| Total risk-based capital ratio | 21.0420% | 1,614 |
| Memoranda: | ||
| Average total assets | $122,401,200 | 4,131 |
| Average earning assets | $118,467,200 | 4,000 |
| Average equity | $13,311,800 | 4,134 |
| Average total loans | $48,894,800 | 4,857 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,672 |
| Cost of funding earning assets | 0.5281% | 2,486 |
| Net interest margin | 3.2343% | 4,838 |
| Noninterest income to average assets | 0.2154% | 5,643 |
| Noninterest expense to average assets | 1.3488% | 6,436 |
| Loan and lease loss provision to assets | 0.1499% | 1,660 |
| Net operating income to assets | 1.8323% | 483 |
| Return on assets (ROA) | 1.7762% | 547 |
| Pretax return on assets | 1.7873% | 915 |
| Return on Equity (ROE) | 16.4342% | 624 |
| Retained earnings to average equity (ytd only) | 7.9398% | 1,395 |
| Net charge-offs to loans | 0.0028% | 4,609 |
| Credit loss provision to net charge-offs | 13,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,800.4586% | 26 |
| Efficiency ratio | 38.9239% | 6,475 |
| Assets per employee ($millions) | 7.3563% | 687 |
| Cash dividends to net income (ytd only)* | 51.6875% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2262% | 44 |
| Loan loss allowance to noncurrent loans | 411.5282% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 4,059 |
| Noncurrent loans to loans | 1.5129% | 2,142 |
| Net loans and leases to total assets | 36.9735% | 5,993 |
| Net loans and leases to deposits | 49.6659% | 5,672 |
| Net loans and leases to core deposits | 67.7371% | 4,534 |
| Total domestic deposits to total assets | 74.4445% | 5,977 |
| Equity capital to assets | 10.7519% | 3,239 |
| Core capital (leverage) ratio | 10.3385% | 3,237 |
| Tier 1 risk-based capital ratio | 20.2182% | 1,612 |
| Total risk-based capital ratio | 21.5136% | 1,567 |
| Memoranda: | ||
| Average total assets | $120,102,000 | 4,213 |
| Average earning assets | $116,127,750 | 4,087 |
| Average equity | $12,980,750 | 4,224 |
| Average total loans | $47,797,250 | 4,940 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,665 |
| Cost of funding earning assets | 0.5440% | 2,397 |
| Net interest margin | 3.2130% | 4,903 |
| Noninterest income to average assets | 0.2195% | 5,637 |
| Noninterest expense to average assets | 1.3474% | 6,504 |
| Loan and lease loss provision to assets | 0.1520% | 1,621 |
| Net operating income to assets | 1.8099% | 484 |
| Return on assets (ROA) | 1.7915% | 518 |
| Pretax return on assets | 1.8033% | 837 |
| Return on Equity (ROE) | 16.5449% | 601 |
| Retained earnings to average equity (ytd only) | 7.4382% | 1,546 |
| Net charge-offs to loans | 0.0042% | 4,235 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,169.0000% | 47 |
| Efficiency ratio | 39.1459% | 6,537 |
| Assets per employee ($millions) | 6.8047% | 871 |
| Cash dividends to net income (ytd only)* | 55.0424% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4032% | 42 |
| Loan loss allowance to noncurrent loans | 401.7264% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 4,129 |
| Noncurrent loans to loans | 1.5939% | 2,188 |
| Net loans and leases to total assets | 36.1002% | 6,049 |
| Net loans and leases to deposits | 48.2782% | 5,760 |
| Net loans and leases to core deposits | 66.2308% | 4,615 |
| Total domestic deposits to total assets | 74.7755% | 6,039 |
| Equity capital to assets | 10.9508% | 2,924 |
| Core capital (leverage) ratio | 10.3970% | 3,086 |
| Tier 1 risk-based capital ratio | 20.6482% | 1,525 |
| Total risk-based capital ratio | 21.9406% | 1,488 |
| Memoranda: | ||
| Average total assets | $118,450,330 | 4,277 |
| Average earning assets | $114,348,330 | 4,139 |
| Average equity | $12,825,670 | 4,259 |
| Average total loans | $47,293,670 | 4,991 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,669 |
| Cost of funding earning assets | 0.5697% | 2,246 |
| Net interest margin | 3.1798% | 4,987 |
| Noninterest income to average assets | 0.1752% | 5,920 |
| Noninterest expense to average assets | 1.5082% | 6,493 |
| Loan and lease loss provision to assets | 0.1546% | 1,571 |
| Net operating income to assets | 1.5690% | 707 |
| Return on assets (ROA) | 1.4669% | 896 |
| Pretax return on assets | 1.4772% | 1,498 |
| Return on Equity (ROE) | 13.6291% | 1,010 |
| Retained earnings to average equity (ytd only) | 8.6499% | 1,361 |
| Net charge-offs to loans | 0.0085% | 3,459 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 77 |
| Efficiency ratio | 45.0212% | 6,458 |
| Assets per employee ($millions) | 6.4196% | 1,048 |
| Cash dividends to net income (ytd only)* | 36.5340% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5840% | 33 |
| Loan loss allowance to noncurrent loans | 352.6627% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 3,930 |
| Noncurrent loans to loans | 1.8669% | 2,042 |
| Net loans and leases to total assets | 36.5901% | 6,038 |
| Net loans and leases to deposits | 45.3936% | 5,892 |
| Net loans and leases to core deposits | 59.9059% | 5,049 |
| Total domestic deposits to total assets | 80.6063% | 5,350 |
| Equity capital to assets | 11.3013% | 2,422 |
| Core capital (leverage) ratio | 10.5724% | 2,843 |
| Tier 1 risk-based capital ratio | 21.4206% | 1,390 |
| Total risk-based capital ratio | 22.7199% | 1,355 |
| Memoranda: | ||
| Average total assets | $116,433,500 | 4,356 |
| Average earning assets | $112,333,500 | 4,206 |
| Average equity | $12,532,000 | 4,338 |
| Average total loans | $47,319,500 | 5,032 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 4,459 |
| Cost of funding earning assets | 0.7649% | 1,413 |
| Net interest margin | 3.1362% | 5,209 |
| Noninterest income to average assets | 0.2502% | 5,556 |
| Noninterest expense to average assets | 1.5526% | 6,541 |
| Loan and lease loss provision to assets | 0.1961% | 1,891 |
| Net operating income to assets | 1.5096% | 803 |
| Return on assets (ROA) | 1.3118% | 1,260 |
| Pretax return on assets | 1.3220% | 2,068 |
| Return on Equity (ROE) | 11.0871% | 1,739 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,318 |
| Net charge-offs to loans | 0.0408% | 4,658 |
| Credit loss provision to net charge-offs | 1,105.2632% | 227 |
| Earnings coverage of net charge-offs (x) | 96.8421% | 474 |
| Efficiency ratio | 45.8464% | 6,564 |
| Assets per employee ($millions) | 6.1744% | 1,160 |
| Cash dividends to net income (ytd only)* | 50.8897% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9460% | 44 |
| Loan loss allowance to noncurrent loans | 331.7514% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 3,996 |
| Noncurrent loans to loans | 1.7923% | 2,241 |
| Net loans and leases to total assets | 39.5878% | 5,993 |
| Net loans and leases to deposits | 52.1650% | 5,608 |
| Net loans and leases to core deposits | 69.2430% | 4,373 |
| Total domestic deposits to total assets | 75.8895% | 6,107 |
| Equity capital to assets | 10.2332% | 3,464 |
| Core capital (leverage) ratio | 10.3400% | 3,105 |
| Tier 1 risk-based capital ratio | 19.5079% | 1,782 |
| Total risk-based capital ratio | 20.8031% | 1,731 |
| Memoranda: | ||
| Average total assets | $107,108,200 | 4,566 |
| Average earning assets | $103,149,000 | 4,429 |
| Average equity | $12,672,400 | 4,320 |
| Average total loans | $46,614,400 | 5,089 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,606 |
| Cost of funding earning assets | 0.8021% | 1,311 |
| Net interest margin | 3.0693% | 5,401 |
| Noninterest income to average assets | 0.2614% | 5,576 |
| Noninterest expense to average assets | 1.5366% | 6,612 |
| Loan and lease loss provision to assets | 0.2104% | 1,731 |
| Net operating income to assets | 1.4564% | 972 |
| Return on assets (ROA) | 1.3441% | 1,284 |
| Pretax return on assets | 1.3530% | 2,108 |
| Return on Equity (ROE) | 10.9453% | 1,837 |
| Retained earnings to average equity (ytd only) | 3.5204% | 4,185 |
| Net charge-offs to loans | 0.0842% | 3,745 |
| Credit loss provision to net charge-offs | 568.9655% | 491 |
| Earnings coverage of net charge-offs (x) | 45.3398% | 926 |
| Efficiency ratio | 46.1508% | 6,581 |
| Assets per employee ($millions) | 5.7290% | 1,421 |
| Cash dividends to net income (ytd only)* | 67.8368% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1218% | 50 |
| Loan loss allowance to noncurrent loans | 223.1603% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 3,283 |
| Noncurrent loans to loans | 2.7432% | 1,534 |
| Net loans and leases to total assets | 40.5876% | 5,990 |
| Net loans and leases to deposits | 61.2208% | 4,846 |
| Net loans and leases to core deposits | 66.5442% | 4,664 |
| Total domestic deposits to total assets | 66.2970% | 6,701 |
| Equity capital to assets | 11.1244% | 2,639 |
| Core capital (leverage) ratio | 10.7223% | 2,763 |
| Tier 1 risk-based capital ratio | 20.0547% | 1,724 |
| Total risk-based capital ratio | 21.3513% | 1,685 |
| Memoranda: | ||
| Average total assets | $104,556,750 | 4,679 |
| Average earning assets | $100,564,750 | 4,544 |
| Average equity | $12,839,250 | 4,340 |
| Average total loans | $45,923,500 | 5,165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 4,504 |
| Cost of funding earning assets | 0.8283% | 1,270 |
| Net interest margin | 3.0653% | 5,377 |
| Noninterest income to average assets | 0.2385% | 5,742 |
| Noninterest expense to average assets | 1.5612% | 6,625 |
| Loan and lease loss provision to assets | 0.2327% | 1,604 |
| Net operating income to assets | 1.3866% | 1,107 |
| Return on assets (ROA) | 1.3828% | 1,203 |
| Pretax return on assets | 1.3905% | 1,968 |
| Return on Equity (ROE) | 10.8999% | 1,846 |
| Retained earnings to average equity (ytd only) | 2.1861% | 4,889 |
| Net charge-offs to loans | 0.1273% | 3,102 |
| Credit loss provision to net charge-offs | 413.7931% | 642 |
| Earnings coverage of net charge-offs (x) | 28.9310% | 1,176 |
| Efficiency ratio | 47.2628% | 6,583 |
| Assets per employee ($millions) | 5.4922% | 1,601 |
| Cash dividends to net income (ytd only)* | 79.9439% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3786% | 42 |
| Loan loss allowance to noncurrent loans | 207.3099% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.3110% | 3,155 |
| Noncurrent loans to loans | 3.0769% | 1,442 |
| Net loans and leases to total assets | 39.8894% | 6,053 |
| Net loans and leases to deposits | 55.8500% | 5,360 |
| Net loans and leases to core deposits | 60.5252% | 5,220 |
| Total domestic deposits to total assets | 71.4224% | 6,592 |
| Equity capital to assets | 11.2984% | 2,467 |
| Core capital (leverage) ratio | 10.8065% | 2,554 |
| Tier 1 risk-based capital ratio | 20.7532% | 1,556 |
| Total risk-based capital ratio | 22.0532% | 1,512 |
| Memoranda: | ||
| Average total assets | $103,125,330 | 4,742 |
| Average earning assets | $99,239,330 | 4,610 |
| Average equity | $13,082,670 | 4,332 |
| Average total loans | $45,544,330 | 5,207 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,943 |
| Cost of funding earning assets | 0.8582% | 1,214 |
| Net interest margin | 3.1845% | 4,976 |
| Noninterest income to average assets | 0.2263% | 5,847 |
| Noninterest expense to average assets | 1.6817% | 6,582 |
| Loan and lease loss provision to assets | 0.2926% | 1,197 |
| Net operating income to assets | 1.3033% | 1,262 |
| Return on assets (ROA) | 1.3033% | 1,369 |
| Pretax return on assets | 1.3072% | 2,208 |
| Return on Equity (ROE) | 9.7312% | 2,173 |
| Retained earnings to average equity (ytd only) | 4.7782% | 3,371 |
| Net charge-offs to loans | 0.2517% | 1,946 |
| Credit loss provision to net charge-offs | 258.6207% | 897 |
| Earnings coverage of net charge-offs (x) | 14.1379% | 1,477 |
| Efficiency ratio | 49.5838% | 6,529 |
| Assets per employee ($millions) | 5.1158% | 2,073 |
| Cash dividends to net income (ytd only)* | 50.8982% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5064% | 55 |
| Loan loss allowance to noncurrent loans | 199.9284% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 3,228 |
| Noncurrent loans to loans | 3.2544% | 1,497 |
| Net loans and leases to total assets | 39.1972% | 6,065 |
| Net loans and leases to deposits | 50.4484% | 5,753 |
| Net loans and leases to core deposits | 54.9444% | 5,608 |
| Total domestic deposits to total assets | 77.6975% | 6,158 |
| Equity capital to assets | 13.3655% | 1,261 |
| Core capital (leverage) ratio | 11.3570% | 1,971 |
| Tier 1 risk-based capital ratio | 21.5607% | 1,412 |
| Total risk-based capital ratio | 22.8623% | 1,380 |
| Memoranda: | ||
| Average total assets | $102,512,500 | 4,800 |
| Average earning assets | $98,350,000 | 4,673 |
| Average equity | $13,729,000 | 4,241 |
| Average total loans | $46,086,000 | 5,214 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 5,036 |
| Cost of funding earning assets | 1.0429% | 1,154 |
| Net interest margin | 3.0325% | 5,971 |
| Noninterest income to average assets | 0.2639% | 5,573 |
| Noninterest expense to average assets | 1.7620% | 6,668 |
| Loan and lease loss provision to assets | 0.1793% | 3,384 |
| Net operating income to assets | 1.2390% | 1,478 |
| Return on assets (ROA) | 1.3645% | 1,291 |
| Pretax return on assets | 1.3705% | 2,141 |
| Return on Equity (ROE) | 10.3648% | 2,016 |
| Retained earnings to average equity (ytd only) | 6.3475% | 1,899 |
| Net charge-offs to loans | -0.0246% | 6,584 |
| Credit loss provision to net charge-offs | -1,636.3636% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5167% | 6,319 |
| Assets per employee ($millions) | 4.6686% | 2,683 |
| Cash dividends to net income (ytd only)* | 38.7591% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5707% | 89 |
| Loan loss allowance to noncurrent loans | 173.5145% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5403% | 3,078 |
| Noncurrent loans to loans | 3.2105% | 1,612 |
| Net loans and leases to total assets | 45.3037% | 5,691 |
| Net loans and leases to deposits | 61.0731% | 4,904 |
| Net loans and leases to core deposits | 67.0456% | 4,643 |
| Total domestic deposits to total assets | 74.1795% | 6,512 |
| Equity capital to assets | 13.4195% | 1,260 |
| Core capital (leverage) ratio | 11.3985% | 1,938 |
| Tier 1 risk-based capital ratio | 19.3018% | 1,866 |
| Total risk-based capital ratio | 20.5967% | 1,830 |
| Memoranda: | ||
| Average total assets | $100,399,600 | 4,824 |
| Average earning assets | $96,753,000 | 4,670 |
| Average equity | $13,217,800 | 4,311 |
| Average total loans | $44,789,000 | 5,294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 5,046 |
| Cost of funding earning assets | 1.0729% | 1,182 |
| Net interest margin | 3.0653% | 6,033 |
| Noninterest income to average assets | 0.2778% | 5,556 |
| Noninterest expense to average assets | 1.7444% | 6,744 |
| Loan and lease loss provision to assets | 0.1803% | 3,335 |
| Net operating income to assets | 1.3080% | 1,425 |
| Return on assets (ROA) | 1.4746% | 1,188 |
| Pretax return on assets | 1.4826% | 1,944 |
| Return on Equity (ROE) | 11.2565% | 1,868 |
| Retained earnings to average equity (ytd only) | 5.8424% | 2,798 |
| Net charge-offs to loans | 0.0030% | 5,723 |
| Credit loss provision to net charge-offs | 13,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,121.7744% | 32 |
| Efficiency ratio | 52.1237% | 6,439 |
| Assets per employee ($millions) | 4.5236% | 2,876 |
| Cash dividends to net income (ytd only)* | 48.0978% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8197% | 76 |
| Loan loss allowance to noncurrent loans | 163.5036% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.6519% | 3,103 |
| Noncurrent loans to loans | 3.5594% | 1,520 |
| Net loans and leases to total assets | 43.7102% | 5,993 |
| Net loans and leases to deposits | 58.7298% | 5,353 |
| Net loans and leases to core deposits | 64.3348% | 5,116 |
| Total domestic deposits to total assets | 74.4260% | 6,568 |
| Equity capital to assets | 13.9009% | 1,194 |
| Core capital (leverage) ratio | 11.1178% | 2,284 |
| Tier 1 risk-based capital ratio | 19.7893% | 1,814 |
| Total risk-based capital ratio | 21.0850% | 1,776 |
| Memoranda: | ||
| Average total assets | $99,822,250 | 4,883 |
| Average earning assets | $96,431,750 | 4,725 |
| Average equity | $13,076,500 | 4,382 |
| Average total loans | $43,667,250 | 5,404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 4,915 |
| Cost of funding earning assets | 1.1001% | 1,220 |
| Net interest margin | 3.1097% | 5,976 |
| Noninterest income to average assets | 0.2882% | 5,505 |
| Noninterest expense to average assets | 1.7133% | 6,829 |
| Loan and lease loss provision to assets | 0.1801% | 3,298 |
| Net operating income to assets | 1.3880% | 1,213 |
| Return on assets (ROA) | 1.4771% | 1,158 |
| Pretax return on assets | 1.4891% | 1,878 |
| Return on Equity (ROE) | 11.5097% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.2714% | 3,116 |
| Net charge-offs to loans | 0.0047% | 5,441 |
| Credit loss provision to net charge-offs | 9,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 789.0000% | 41 |
| Efficiency ratio | 50.2736% | 6,626 |
| Assets per employee ($millions) | 4.4639% | 2,974 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2354% | 72 |
| Loan loss allowance to noncurrent loans | 156.4831% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 3,146 |
| Noncurrent loans to loans | 3.9847% | 1,386 |
| Net loans and leases to total assets | 40.4700% | 6,312 |
| Net loans and leases to deposits | 51.4306% | 6,067 |
| Net loans and leases to core deposits | 58.5823% | 5,728 |
| Total domestic deposits to total assets | 78.6887% | 6,022 |
| Equity capital to assets | 13.5572% | 1,280 |
| Core capital (leverage) ratio | 10.3200% | 3,023 |
| Tier 1 risk-based capital ratio | 20.6075% | 1,551 |
| Total risk-based capital ratio | 21.9053% | 1,521 |
| Memoranda: | ||
| Average total assets | $99,923,330 | 4,899 |
| Average earning assets | $96,538,000 | 4,746 |
| Average equity | $12,824,000 | 4,428 |
| Average total loans | $42,827,000 | 5,478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 5,022 |
| Cost of funding earning assets | 1.1020% | 1,401 |
| Net interest margin | 3.1211% | 5,983 |
| Noninterest income to average assets | 0.2421% | 5,898 |
| Noninterest expense to average assets | 1.6749% | 6,920 |
| Loan and lease loss provision to assets | 0.1786% | 3,182 |
| Net operating income to assets | 1.3785% | 1,260 |
| Return on assets (ROA) | 1.4407% | 1,276 |
| Pretax return on assets | 1.4645% | 1,979 |
| Return on Equity (ROE) | 11.5430% | 1,823 |
| Retained earnings to average equity (ytd only) | 5.3740% | 3,328 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7561% | 6,687 |
| Assets per employee ($millions) | 4.4657% | 3,058 |
| Cash dividends to net income (ytd only)* | 53.4435% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0555% | 83 |
| Loan loss allowance to noncurrent loans | 149.7983% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 3,325 |
| Noncurrent loans to loans | 4.0424% | 1,506 |
| Net loans and leases to total assets | 39.2571% | 6,407 |
| Net loans and leases to deposits | 48.6334% | 6,256 |
| Net loans and leases to core deposits | 57.8162% | 5,726 |
| Total domestic deposits to total assets | 80.7205% | 5,674 |
| Equity capital to assets | 12.3318% | 1,828 |
| Core capital (leverage) ratio | 10.0400% | 3,318 |
| Tier 1 risk-based capital ratio | 19.2915% | 1,900 |
| Total risk-based capital ratio | 20.5870% | 1,856 |
| Memoranda: | ||
| Average total assets | $100,782,000 | 4,920 |
| Average earning assets | $97,274,500 | 4,769 |
| Average equity | $12,579,000 | 4,490 |
| Average total loans | $43,047,000 | 5,504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 5,565 |
| Cost of funding earning assets | 1.2455% | 1,760 |
| Net interest margin | 3.1163% | 6,308 |
| Noninterest income to average assets | 0.4132% | 4,504 |
| Noninterest expense to average assets | 1.6660% | 7,072 |
| Loan and lease loss provision to assets | 0.3132% | 3,162 |
| Net operating income to assets | 1.4153% | 995 |
| Return on assets (ROA) | 1.4783% | 946 |
| Pretax return on assets | 1.5027% | 1,460 |
| Return on Equity (ROE) | 13.7187% | 1,011 |
| Retained earnings to average equity (ytd only) | 8.3884% | 957 |
| Net charge-offs to loans | -0.0266% | 6,989 |
| Credit loss provision to net charge-offs | -2,790.9091% | 6,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0746% | 6,996 |
| Assets per employee ($millions) | 4.2980% | 3,252 |
| Cash dividends to net income (ytd only)* | 38.8544% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9156% | 96 |
| Loan loss allowance to noncurrent loans | 143.5638% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.7996% | 3,253 |
| Noncurrent loans to loans | 4.1205% | 1,500 |
| Net loans and leases to total assets | 41.0909% | 6,454 |
| Net loans and leases to deposits | 52.3974% | 6,174 |
| Net loans and leases to core deposits | 62.7045% | 5,573 |
| Total domestic deposits to total assets | 78.4217% | 6,113 |
| Equity capital to assets | 12.6368% | 1,714 |
| Core capital (leverage) ratio | 10.1469% | 3,171 |
| Tier 1 risk-based capital ratio | 19.1576% | 1,853 |
| Total risk-based capital ratio | 20.4527% | 1,806 |
| Memoranda: | ||
| Average total assets | $98,020,800 | 4,948 |
| Average earning assets | $94,503,000 | 4,799 |
| Average equity | $10,562,200 | 4,892 |
| Average total loans | $41,298,200 | 5,627 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 5,725 |
| Cost of funding earning assets | 1.2666% | 1,890 |
| Net interest margin | 3.0978% | 6,384 |
| Noninterest income to average assets | 0.4730% | 4,108 |
| Noninterest expense to average assets | 1.6235% | 7,160 |
| Loan and lease loss provision to assets | 0.3571% | 2,726 |
| Net operating income to assets | 1.4509% | 1,047 |
| Return on assets (ROA) | 1.4108% | 1,209 |
| Pretax return on assets | 1.4354% | 1,829 |
| Return on Equity (ROE) | 13.6905% | 1,112 |
| Retained earnings to average equity (ytd only) | 6.2434% | 2,405 |
| Net charge-offs to loans | -0.0294% | 6,971 |
| Credit loss provision to net charge-offs | -2,911.1111% | 6,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3076% | 7,090 |
| Assets per employee ($millions) | 4.4660% | 2,978 |
| Cash dividends to net income (ytd only)* | 54.3961% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1431% | 81 |
| Loan loss allowance to noncurrent loans | 127.4530% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0020% | 3,137 |
| Noncurrent loans to loans | 4.8199% | 1,332 |
| Net loans and leases to total assets | 38.9844% | 6,713 |
| Net loans and leases to deposits | 48.4590% | 6,601 |
| Net loans and leases to core deposits | 60.9969% | 5,910 |
| Total domestic deposits to total assets | 80.4482% | 5,610 |
| Equity capital to assets | 12.3509% | 1,997 |
| Core capital (leverage) ratio | 9.3530% | 4,372 |
| Tier 1 risk-based capital ratio | 19.1074% | 1,896 |
| Total risk-based capital ratio | 20.4050% | 1,855 |
| Memoranda: | ||
| Average total assets | $97,812,500 | 4,984 |
| Average earning assets | $94,214,500 | 4,844 |
| Average equity | $10,079,750 | 5,017 |
| Average total loans | $40,829,250 | 5,705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 5,972 |
| Cost of funding earning assets | 1.2745% | 2,088 |
| Net interest margin | 3.0404% | 6,523 |
| Noninterest income to average assets | 0.5631% | 3,377 |
| Noninterest expense to average assets | 1.6526% | 7,223 |
| Loan and lease loss provision to assets | 0.4444% | 2,216 |
| Net operating income to assets | 1.3655% | 1,155 |
| Return on assets (ROA) | 1.2451% | 1,528 |
| Pretax return on assets | 1.2696% | 2,240 |
| Return on Equity (ROE) | 12.9435% | 1,213 |
| Retained earnings to average equity (ytd only) | 4.6835% | 3,206 |
| Net charge-offs to loans | -0.0490% | 7,024 |
| Credit loss provision to net charge-offs | -2,170.0000% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7160% | 7,165 |
| Assets per employee ($millions) | 4.5867% | 2,710 |
| Cash dividends to net income (ytd only)* | 63.8158% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1889% | 86 |
| Loan loss allowance to noncurrent loans | 126.4374% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 2.0224% | 3,207 |
| Noncurrent loans to loans | 4.8948% | 1,346 |
| Net loans and leases to total assets | 38.7604% | 6,818 |
| Net loans and leases to deposits | 47.0243% | 6,776 |
| Net loans and leases to core deposits | 59.6781% | 6,115 |
| Total domestic deposits to total assets | 82.4263% | 5,011 |
| Equity capital to assets | 10.6811% | 3,307 |
| Core capital (leverage) ratio | 9.5090% | 3,944 |
| Tier 1 risk-based capital ratio | 18.5568% | 1,987 |
| Total risk-based capital ratio | 19.8534% | 1,930 |
| Memoranda: | ||
| Average total assets | $97,666,000 | 5,031 |
| Average earning assets | $94,000,330 | 4,885 |
| Average equity | $9,394,670 | 5,212 |
| Average total loans | $40,835,670 | 5,765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 5,827 |
| Cost of funding earning assets | 1.2790% | 2,308 |
| Net interest margin | 3.0789% | 6,401 |
| Noninterest income to average assets | 0.2400% | 5,986 |
| Noninterest expense to average assets | 1.6392% | 7,278 |
| Loan and lease loss provision to assets | 0.1830% | 3,781 |
| Net operating income to assets | 1.3512% | 1,149 |
| Return on assets (ROA) | 1.3911% | 1,121 |
| Pretax return on assets | 1.4155% | 1,682 |
| Return on Equity (ROE) | 15.2883% | 776 |
| Retained earnings to average equity (ytd only) | 12.9638% | 595 |
| Net charge-offs to loans | -0.1064% | 7,105 |
| Credit loss provision to net charge-offs | -409.0909% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4911% | 7,028 |
| Assets per employee ($millions) | 4.6108% | 2,713 |
| Cash dividends to net income (ytd only)* | 15.2047% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7863% | 117 |
| Loan loss allowance to noncurrent loans | 112.3529% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 2.3847% | 2,854 |
| Noncurrent loans to loans | 5.1501% | 1,300 |
| Net loans and leases to total assets | 38.5423% | 6,870 |
| Net loans and leases to deposits | 46.2613% | 6,829 |
| Net loans and leases to core deposits | 57.5404% | 6,300 |
| Total domestic deposits to total assets | 83.3144% | 4,788 |
| Equity capital to assets | 9.4272% | 4,529 |
| Core capital (leverage) ratio | 9.2014% | 4,286 |
| Tier 1 risk-based capital ratio | 18.8086% | 1,866 |
| Total risk-based capital ratio | 20.0823% | 1,817 |
| Memoranda: | ||
| Average total assets | $98,339,000 | 5,045 |
| Average earning assets | $94,449,000 | 4,902 |
| Average equity | $8,948,000 | 5,349 |
| Average total loans | $41,355,000 | 5,793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 4,967 |
| Cost of funding earning assets | 1.4988% | 2,643 |
| Net interest margin | 3.4127% | 5,583 |
| Noninterest income to average assets | 0.3133% | 5,552 |
| Noninterest expense to average assets | 1.9070% | 7,152 |
| Loan and lease loss provision to assets | 0.6245% | 2,638 |
| Net operating income to assets | 1.0164% | 1,979 |
| Return on assets (ROA) | 1.4332% | 948 |
| Pretax return on assets | 1.4655% | 1,466 |
| Return on Equity (ROE) | 14.2676% | 840 |
| Retained earnings to average equity (ytd only) | 7.6859% | 1,087 |
| Net charge-offs to loans | 0.4667% | 3,749 |
| Credit loss provision to net charge-offs | 290.0000% | 931 |
| Earnings coverage of net charge-offs (x) | 7.7300% | 2,073 |
| Efficiency ratio | 51.6732% | 7,009 |
| Assets per employee ($millions) | 4.5387% | 2,798 |
| Cash dividends to net income (ytd only)* | 46.1307% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1881% | 172 |
| Loan loss allowance to noncurrent loans | 108.3333% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 2.3375% | 2,931 |
| Noncurrent loans to loans | 4.7890% | 1,439 |
| Net loans and leases to total assets | 40.9236% | 6,906 |
| Net loans and leases to deposits | 55.2950% | 6,496 |
| Net loans and leases to core deposits | 68.1050% | 5,652 |
| Total domestic deposits to total assets | 74.0095% | 6,894 |
| Equity capital to assets | 8.7810% | 5,464 |
| Core capital (leverage) ratio | 8.9749% | 4,586 |
| Tier 1 risk-based capital ratio | 16.8730% | 2,397 |
| Total risk-based capital ratio | 18.1598% | 2,349 |
| Memoranda: | ||
| Average total assets | $92,870,600 | 5,197 |
| Average earning assets | $88,669,600 | 5,062 |
| Average equity | $9,328,800 | 5,322 |
| Average total loans | $42,853,800 | 5,800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 4,567 |
| Cost of funding earning assets | 1.5451% | 2,702 |
| Net interest margin | 3.5105% | 5,248 |
| Noninterest income to average assets | 0.3102% | 5,673 |
| Noninterest expense to average assets | 1.6782% | 7,452 |
| Loan and lease loss provision to assets | 0.4902% | 3,020 |
| Net operating income to assets | 1.4619% | 996 |
| Return on assets (ROA) | 1.8304% | 512 |
| Pretax return on assets | 1.8655% | 819 |
| Return on Equity (ROE) | 17.6150% | 517 |
| Retained earnings to average equity (ytd only) | 8.9694% | 1,063 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2000% | 7,455 |
| Assets per employee ($millions) | 4.6202% | 2,722 |
| Cash dividends to net income (ytd only)* | 49.0809% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2571% | 146 |
| Loan loss allowance to noncurrent loans | 245.3527% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 4,235 |
| Noncurrent loans to loans | 2.1427% | 3,522 |
| Net loans and leases to total assets | 42.7324% | 6,924 |
| Net loans and leases to deposits | 53.0505% | 6,832 |
| Net loans and leases to core deposits | 65.3915% | 6,169 |
| Total domestic deposits to total assets | 80.5504% | 5,524 |
| Equity capital to assets | 11.4044% | 2,601 |
| Core capital (leverage) ratio | 9.5324% | 3,854 |
| Tier 1 risk-based capital ratio | 17.5906% | 2,142 |
| Total risk-based capital ratio | 18.8790% | 2,105 |
| Memoranda: | ||
| Average total assets | $91,125,250 | 5,321 |
| Average earning assets | $86,898,500 | 5,177 |
| Average equity | $9,469,000 | 5,355 |
| Average total loans | $42,792,500 | 5,885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 4,430 |
| Cost of funding earning assets | 1.5504% | 2,956 |
| Net interest margin | 3.5536% | 5,032 |
| Noninterest income to average assets | 0.3131% | 5,659 |
| Noninterest expense to average assets | 1.7045% | 7,501 |
| Loan and lease loss provision to assets | 0.4190% | 3,225 |
| Net operating income to assets | 1.5518% | 815 |
| Return on assets (ROA) | 2.0618% | 326 |
| Pretax return on assets | 2.1014% | 488 |
| Return on Equity (ROE) | 20.5209% | 289 |
| Retained earnings to average equity (ytd only) | 11.3029% | 594 |
| Net charge-offs to loans | 0.0093% | 6,224 |
| Credit loss provision to net charge-offs | 9,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 453.5000% | 73 |
| Efficiency ratio | 44.3452% | 7,509 |
| Assets per employee ($millions) | 4.4207% | 3,018 |
| Cash dividends to net income (ytd only)* | 44.9198% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8296% | 196 |
| Loan loss allowance to noncurrent loans | 183.6478% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 1.7084% | 3,882 |
| Noncurrent loans to loans | 2.6298% | 3,009 |
| Net loans and leases to total assets | 43.3867% | 6,963 |
| Net loans and leases to deposits | 53.9009% | 6,869 |
| Net loans and leases to core deposits | 67.3523% | 6,113 |
| Total domestic deposits to total assets | 80.4933% | 5,562 |
| Equity capital to assets | 10.9818% | 2,882 |
| Core capital (leverage) ratio | 9.5880% | 3,690 |
| Tier 1 risk-based capital ratio | 17.0541% | 2,262 |
| Total risk-based capital ratio | 18.3383% | 2,197 |
| Memoranda: | ||
| Average total assets | $90,699,330 | 5,366 |
| Average earning assets | $86,561,000 | 5,221 |
| Average equity | $9,112,670 | 5,471 |
| Average total loans | $43,164,330 | 5,897 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 3,555 |
| Cost of funding earning assets | 1.5837% | 3,052 |
| Net interest margin | 3.7156% | 4,163 |
| Noninterest income to average assets | 0.2499% | 6,152 |
| Noninterest expense to average assets | 1.7851% | 7,482 |
| Loan and lease loss provision to assets | 0.2008% | 4,491 |
| Net operating income to assets | 1.7651% | 537 |
| Return on assets (ROA) | 2.5348% | 157 |
| Pretax return on assets | 2.5884% | 218 |
| Return on Equity (ROE) | 26.5064% | 128 |
| Retained earnings to average equity (ytd only) | 26.5064% | 90 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4653% | 7,571 |
| Assets per employee ($millions) | 4.0647% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5054% | 253 |
| Loan loss allowance to noncurrent loans | 63,366.6667% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 6,111 |
| Noncurrent loans to loans | 0.0071% | 7,404 |
| Net loans and leases to total assets | 47.2047% | 6,739 |
| Net loans and leases to deposits | 56.2712% | 6,755 |
| Net loans and leases to core deposits | 67.1740% | 6,186 |
| Total domestic deposits to total assets | 83.8879% | 4,197 |
| Equity capital to assets | 10.4712% | 3,275 |
| Core capital (leverage) ratio | 9.0819% | 4,410 |
| Tier 1 risk-based capital ratio | 16.4866% | 2,458 |
| Total risk-based capital ratio | 17.7688% | 2,392 |
| Memoranda: | ||
| Average total assets | $89,631,500 | 5,469 |
| Average earning assets | $85,370,500 | 5,327 |
| Average equity | $8,571,500 | 5,668 |
| Average total loans | $43,585,500 | 5,957 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 4,039 |
| Cost of funding earning assets | 1.7811% | 4,097 |
| Net interest margin | 3.7386% | 3,957 |
| Noninterest income to average assets | 0.2815% | 6,092 |
| Noninterest expense to average assets | 1.8337% | 7,579 |
| Loan and lease loss provision to assets | 2.3978% | 839 |
| Net operating income to assets | -0.4460% | 6,120 |
| Return on assets (ROA) | -0.2771% | 5,937 |
| Pretax return on assets | -0.2263% | 5,731 |
| Return on Equity (ROE) | -2.5426% | 5,929 |
| Retained earnings to average equity (ytd only) | -12.0241% | 6,684 |
| Net charge-offs to loans | 4.1756% | 375 |
| Credit loss provision to net charge-offs | 116.2741% | 4,670 |
| Earnings coverage of net charge-offs (x) | 0.9711% | 5,146 |
| Efficiency ratio | 46.1583% | 7,706 |
| Assets per employee ($millions) | 4.4717% | 2,976 |
| Cash dividends to net income (ytd only)* | -372.9084% | 7,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1266% | 332 |
| Loan loss allowance to noncurrent loans | 92,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 6,190 |
| Noncurrent loans to loans | 0.0044% | 7,439 |
| Net loans and leases to total assets | 45.9198% | 6,982 |
| Net loans and leases to deposits | 62.5459% | 6,406 |
| Net loans and leases to core deposits | 76.6309% | 6,364 |
| Total domestic deposits to total assets | 73.4178% | 7,101 |
| Equity capital to assets | 8.7376% | 5,536 |
| Core capital (leverage) ratio | 8.3321% | 5,554 |
| Tier 1 risk-based capital ratio | 14.2416% | 3,351 |
| Total risk-based capital ratio | 15.5189% | 3,287 |
| Memoranda: | ||
| Average total assets | $90,582,200 | 5,373 |
| Average earning assets | $86,128,200 | 5,255 |
| Average equity | $9,871,800 | 5,331 |
| Average total loans | $44,736,600 | 5,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 3,838 |
| Cost of funding earning assets | 1.8333% | 4,223 |
| Net interest margin | 3.7714% | 3,770 |
| Noninterest income to average assets | 0.2882% | 6,176 |
| Noninterest expense to average assets | 1.6519% | 7,799 |
| Loan and lease loss provision to assets | 0.1857% | 5,517 |
| Net operating income to assets | 1.9892% | 299 |
| Return on assets (ROA) | 2.1392% | 238 |
| Pretax return on assets | 2.1882% | 363 |
| Return on Equity (ROE) | 18.6611% | 386 |
| Retained earnings to average equity (ytd only) | 6.5444% | 1,686 |
| Net charge-offs to loans | 0.3313% | 3,979 |
| Credit loss provision to net charge-offs | 112.6126% | 4,510 |
| Earnings coverage of net charge-offs (x) | 13.4681% | 1,674 |
| Efficiency ratio | 41.0050% | 7,904 |
| Assets per employee ($millions) | 4.4418% | 2,954 |
| Cash dividends to net income (ytd only)* | 64.9309% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3805% | 468 |
| Loan loss allowance to noncurrent loans | 92.6079% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 2.5097% | 2,765 |
| Noncurrent loans to loans | 3.6503% | 2,051 |
| Net loans and leases to total assets | 47.9845% | 6,958 |
| Net loans and leases to deposits | 65.4620% | 6,358 |
| Net loans and leases to core deposits | 79.9868% | 6,355 |
| Total domestic deposits to total assets | 73.3013% | 7,048 |
| Equity capital to assets | 11.2363% | 2,806 |
| Core capital (leverage) ratio | 10.1771% | 3,087 |
| Tier 1 risk-based capital ratio | 17.1538% | 2,228 |
| Total risk-based capital ratio | 18.4233% | 2,168 |
| Memoranda: | ||
| Average total assets | $89,751,500 | 5,431 |
| Average earning assets | $85,306,750 | 5,326 |
| Average equity | $10,288,500 | 5,260 |
| Average total loans | $44,676,500 | 5,940 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6997% | 3,538 |
| Cost of funding earning assets | 1.8880% | 4,328 |
| Net interest margin | 3.8116% | 3,506 |
| Noninterest income to average assets | 0.2890% | 6,203 |
| Noninterest expense to average assets | 1.7115% | 7,820 |
| Loan and lease loss provision to assets | 0.1806% | 5,242 |
| Net operating income to assets | 1.9769% | 311 |
| Return on assets (ROA) | 2.0344% | 295 |
| Pretax return on assets | 2.0841% | 455 |
| Return on Equity (ROE) | 17.6246% | 521 |
| Retained earnings to average equity (ytd only) | 2.9146% | 3,706 |
| Net charge-offs to loans | 0.5031% | 2,819 |
| Credit loss provision to net charge-offs | 72.0721% | 5,382 |
| Earnings coverage of net charge-offs (x) | 8.8018% | 2,217 |
| Efficiency ratio | 42.0749% | 7,973 |
| Assets per employee ($millions) | 4.1760% | 3,339 |
| Cash dividends to net income (ytd only)* | 83.4628% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5110% | 375 |
| Loan loss allowance to noncurrent loans | 82.4837% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 2.8439% | 2,251 |
| Noncurrent loans to loans | 4.2566% | 1,548 |
| Net loans and leases to total assets | 47.6652% | 7,061 |
| Net loans and leases to deposits | 63.9154% | 6,573 |
| Net loans and leases to core deposits | 78.6261% | 6,506 |
| Total domestic deposits to total assets | 74.5755% | 6,854 |
| Equity capital to assets | 11.4625% | 2,562 |
| Core capital (leverage) ratio | 9.5250% | 3,851 |
| Tier 1 risk-based capital ratio | 17.6563% | 2,100 |
| Total risk-based capital ratio | 18.9282% | 2,050 |
| Memoranda: | ||
| Average total assets | $88,576,000 | 5,510 |
| Average earning assets | $84,320,670 | 5,400 |
| Average equity | $10,224,330 | 5,298 |
| Average total loans | $44,127,000 | 6,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 4,485 |
| Cost of funding earning assets | 1.8843% | 4,711 |
| Net interest margin | 3.6931% | 3,920 |
| Noninterest income to average assets | 0.2516% | 6,443 |
| Noninterest expense to average assets | 1.6761% | 7,849 |
| Loan and lease loss provision to assets | 0.1573% | 4,919 |
| Net operating income to assets | 1.8963% | 436 |
| Return on assets (ROA) | 1.8963% | 486 |
| Pretax return on assets | 1.9412% | 741 |
| Return on Equity (ROE) | 16.3717% | 765 |
| Retained earnings to average equity (ytd only) | 1.7458% | 4,880 |
| Net charge-offs to loans | 0.1078% | 4,109 |
| Credit loss provision to net charge-offs | 291.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 38.9167% | 870 |
| Efficiency ratio | 42.7381% | 7,977 |
| Assets per employee ($millions) | 4.3588% | 2,958 |
| Cash dividends to net income (ytd only)* | 89.3365% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6128% | 292 |
| Loan loss allowance to noncurrent loans | 64.0244% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.6875% | 2,118 |
| Noncurrent loans to loans | 5.6428% | 887 |
| Net loans and leases to total assets | 45.9064% | 7,197 |
| Net loans and leases to deposits | 63.5867% | 6,595 |
| Net loans and leases to core deposits | 77.9635% | 6,541 |
| Total domestic deposits to total assets | 72.1950% | 7,179 |
| Equity capital to assets | 11.1456% | 2,856 |
| Core capital (leverage) ratio | 10.1574% | 3,237 |
| Tier 1 risk-based capital ratio | 17.2568% | 2,252 |
| Total risk-based capital ratio | 18.5301% | 2,198 |
| Memoranda: | ||
| Average total assets | $89,016,500 | 5,522 |
| Average earning assets | $84,914,000 | 5,396 |
| Average equity | $10,310,500 | 5,293 |
| Average total loans | $44,530,000 | 6,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1621% | 4,711 |
| Cost of funding earning assets | 2.4523% | 4,462 |
| Net interest margin | 3.7098% | 4,430 |
| Noninterest income to average assets | 0.3811% | 5,633 |
| Noninterest expense to average assets | 1.6889% | 7,879 |
| Loan and lease loss provision to assets | 0.3039% | 3,942 |
| Net operating income to assets | 1.8827% | 451 |
| Return on assets (ROA) | 2.0451% | 301 |
| Pretax return on assets | 2.0887% | 498 |
| Return on Equity (ROE) | 17.0604% | 625 |
| Retained earnings to average equity (ytd only) | 7.0444% | 1,137 |
| Net charge-offs to loans | -0.0188% | 7,919 |
| Credit loss provision to net charge-offs | -3,050.0000% | 7,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3168% | 8,094 |
| Assets per employee ($millions) | 3.9318% | 3,652 |
| Cash dividends to net income (ytd only)* | 58.7089% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4136% | 305 |
| Loan loss allowance to noncurrent loans | 91.0264% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.9711% | 2,495 |
| Noncurrent loans to loans | 3.7501% | 1,332 |
| Net loans and leases to total assets | 50.7671% | 6,957 |
| Net loans and leases to deposits | 76.5088% | 5,532 |
| Net loans and leases to core deposits | 98.3164% | 5,007 |
| Total domestic deposits to total assets | 66.3545% | 7,635 |
| Equity capital to assets | 12.0452% | 2,266 |
| Core capital (leverage) ratio | 10.4027% | 3,068 |
| Tier 1 risk-based capital ratio | 16.9602% | 2,325 |
| Total risk-based capital ratio | 18.2316% | 2,266 |
| Memoranda: | ||
| Average total assets | $80,290,800 | 5,693 |
| Average earning assets | $76,499,800 | 5,567 |
| Average equity | $9,624,600 | 5,528 |
| Average total loans | $42,501,800 | 6,047 |