Home > The Haviland State Bank > Performance and Condition Ratios
The Haviland State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5100% | 615 |
| Cost of funding earning assets | 2.4539% | 940 |
| Net interest margin | 4.0561% | 1,176 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 1.9915% | 3,571 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.5534% | 987 |
| Return on assets (ROA) | 1.5534% | 982 |
| Pretax return on assets | 1.9039% | 809 |
| Return on Equity (ROE) | 11.9700% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.9669% | 802 |
| Net charge-offs to loans | -0.0231% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 50.3018% | 3,872 |
| Assets per employee ($millions) | 6.1466% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,344 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 66.2600% | 2,263 |
| Net loans and leases to deposits | 88.4299% | 1,259 |
| Net loans and leases to core deposits | 96.2683% | 1,615 |
| Total domestic deposits to total assets | 74.9300% | 4,037 |
| Equity capital to assets | 13.4383% | 812 |
| Core capital (leverage) ratio | 13.9448% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $50,213,000 | 4,219 |
| Average earning assets | $47,435,000 | 4,188 |
| Average equity | $6,518,000 | 4,121 |
| Average total loans | $34,581,500 | 4,022 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4834% | 724 |
| Cost of funding earning assets | 2.1922% | 1,753 |
| Net interest margin | 4.2912% | 841 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 2.3140% | 2,831 |
| Loan and lease loss provision to assets | 0.5300% | 189 |
| Net operating income to assets | 1.1212% | 1,680 |
| Return on assets (ROA) | 1.1212% | 1,689 |
| Pretax return on assets | 1.3336% | 1,673 |
| Return on Equity (ROE) | 8.8600% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.8637% | 840 |
| Net charge-offs to loans | 1.1391% | 128 |
| Credit loss provision to net charge-offs | 67.9452% | 2,224 |
| Earnings coverage of net charge-offs (x) | 2.5014% | 2,821 |
| Efficiency ratio | 55.3763% | 3,618 |
| Assets per employee ($millions) | 6.4066% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 2,998 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 69.8900% | 1,902 |
| Net loans and leases to deposits | 105.9953% | 254 |
| Net loans and leases to core deposits | 106.9192% | 1,082 |
| Total domestic deposits to total assets | 65.9300% | 4,278 |
| Equity capital to assets | 12.5417% | 1,015 |
| Core capital (leverage) ratio | 13.7512% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $48,963,400 | 4,236 |
| Average earning assets | $46,164,400 | 4,206 |
| Average equity | $6,193,800 | 4,137 |
| Average total loans | $32,043,800 | 4,066 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3043% | 881 |
| Cost of funding earning assets | 2.0138% | 2,174 |
| Net interest margin | 4.2906% | 814 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 2.2869% | 2,845 |
| Loan and lease loss provision to assets | 0.6900% | 111 |
| Net operating income to assets | 1.0222% | 1,976 |
| Return on assets (ROA) | 1.0222% | 1,982 |
| Pretax return on assets | 1.2013% | 1,977 |
| Return on Equity (ROE) | 8.0600% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.0625% | 1,373 |
| Net charge-offs to loans | 1.5695% | 85 |
| Credit loss provision to net charge-offs | 66.3014% | 1,948 |
| Earnings coverage of net charge-offs (x) | 1.8849% | 2,625 |
| Efficiency ratio | 54.6772% | 3,669 |
| Assets per employee ($millions) | 6.0408% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 2,448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 65.4500% | 2,378 |
| Net loans and leases to deposits | 89.5270% | 1,287 |
| Net loans and leases to core deposits | 91.3156% | 2,053 |
| Total domestic deposits to total assets | 73.1100% | 4,119 |
| Equity capital to assets | 13.1648% | 931 |
| Core capital (leverage) ratio | 14.0599% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $48,391,000 | 4,266 |
| Average earning assets | $45,618,250 | 4,238 |
| Average equity | $6,135,250 | 4,157 |
| Average total loans | $31,006,000 | 4,102 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2529% | 865 |
| Cost of funding earning assets | 2.0376% | 2,031 |
| Net interest margin | 4.2152% | 877 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 2.3341% | 2,694 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4294% | 1,035 |
| Return on assets (ROA) | 1.4294% | 1,032 |
| Pretax return on assets | 1.7310% | 935 |
| Return on Equity (ROE) | 11.4200% | 1,764 |
| Retained earnings to average equity (ytd only) | 11.4198% | 620 |
| Net charge-offs to loans | -0.0196% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.5566% | 3,529 |
| Assets per employee ($millions) | 6.1754% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 858 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.6000% | 2,590 |
| Net loans and leases to deposits | 83.3984% | 1,900 |
| Net loans and leases to core deposits | 84.9381% | 2,467 |
| Total domestic deposits to total assets | 76.2600% | 3,881 |
| Equity capital to assets | 12.4952% | 1,013 |
| Core capital (leverage) ratio | 14.0371% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1868% | 584 |
| Memoranda: | ||
| Average total assets | $48,412,667 | 4,285 |
| Average earning assets | $45,739,000 | 4,254 |
| Average equity | $6,059,667 | 4,168 |
| Average total loans | $30,675,000 | 4,120 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4401% | 618 |
| Cost of funding earning assets | 2.3019% | 1,334 |
| Net interest margin | 4.1382% | 929 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 2.4960% | 2,257 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.2605% | 1,306 |
| Return on assets (ROA) | 1.2605% | 1,316 |
| Pretax return on assets | 1.5109% | 1,229 |
| Return on Equity (ROE) | 10.0600% | 2,115 |
| Retained earnings to average equity (ytd only) | 10.0616% | 1,097 |
| Net charge-offs to loans | -0.0266% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.2705% | 3,123 |
| Assets per employee ($millions) | 5.7579% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 602 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 61.2500% | 2,735 |
| Net loans and leases to deposits | 77.6161% | 2,271 |
| Net loans and leases to core deposits | 79.0823% | 2,794 |
| Total domestic deposits to total assets | 78.9200% | 3,687 |
| Equity capital to assets | 13.1624% | 829 |
| Core capital (leverage) ratio | 12.9825% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $47,917,500 | 4,314 |
| Average earning assets | $45,527,500 | 4,281 |
| Average equity | $6,003,000 | 4,194 |
| Average total loans | $30,046,000 | 4,152 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 1,362 |
| Cost of funding earning assets | 1.0129% | 3,268 |
| Net interest margin | 4.3572% | 746 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.3718% | 2,660 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5132% | 992 |
| Return on assets (ROA) | 1.5150% | 956 |
| Pretax return on assets | 1.8020% | 886 |
| Return on Equity (ROE) | 12.1300% | 1,920 |
| Retained earnings to average equity (ytd only) | 2.1938% | 3,539 |
| Net charge-offs to loans | -0.0229% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.9857% | 3,501 |
| Assets per employee ($millions) | 6.2215% | 2,617 |
| Cash dividends to net income (ytd only)* | 81.9088% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 897 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.0500% | 2,670 |
| Net loans and leases to deposits | 84.6221% | 1,725 |
| Net loans and leases to core deposits | 87.4225% | 2,216 |
| Total domestic deposits to total assets | 73.3200% | 4,146 |
| Equity capital to assets | 11.9404% | 1,147 |
| Core capital (leverage) ratio | 13.3728% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $46,336,600 | 4,344 |
| Average earning assets | $43,835,000 | 4,308 |
| Average equity | $5,789,000 | 4,181 |
| Average total loans | $26,189,200 | 4,200 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 1,287 |
| Cost of funding earning assets | 0.9088% | 3,251 |
| Net interest margin | 4.3949% | 706 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.3425% | 2,672 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5226% | 1,079 |
| Return on assets (ROA) | 1.5274% | 1,054 |
| Pretax return on assets | 1.8734% | 897 |
| Return on Equity (ROE) | 12.0800% | 2,102 |
| Retained earnings to average equity (ytd only) | 7.4426% | 2,163 |
| Net charge-offs to loans | -0.0214% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.7635% | 3,519 |
| Assets per employee ($millions) | 5.6486% | 3,065 |
| Cash dividends to net income (ytd only)* | 38.3877% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 533 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.4600% | 3,079 |
| Net loans and leases to deposits | 72.9572% | 2,650 |
| Net loans and leases to core deposits | 75.4088% | 2,909 |
| Total domestic deposits to total assets | 78.7500% | 3,734 |
| Equity capital to assets | 12.8881% | 840 |
| Core capital (leverage) ratio | 14.1804% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $45,477,750 | 4,367 |
| Average earning assets | $42,988,250 | 4,332 |
| Average equity | $5,750,500 | 4,195 |
| Average total loans | $24,892,750 | 4,230 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 1,582 |
| Cost of funding earning assets | 0.7743% | 3,283 |
| Net interest margin | 4.2146% | 914 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.3039% | 2,794 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4322% | 1,254 |
| Return on assets (ROA) | 1.4394% | 1,223 |
| Pretax return on assets | 1.7598% | 1,096 |
| Return on Equity (ROE) | 11.4600% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.4708% | 3,091 |
| Net charge-offs to loans | -0.0246% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9105% | 3,432 |
| Assets per employee ($millions) | 5.2038% | 3,408 |
| Cash dividends to net income (ytd only)* | 60.9756% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 688 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.2800% | 3,024 |
| Net loans and leases to deposits | 72.8084% | 2,590 |
| Net loans and leases to core deposits | 74.1159% | 2,872 |
| Total domestic deposits to total assets | 78.6700% | 3,763 |
| Equity capital to assets | 12.3287% | 965 |
| Core capital (leverage) ratio | 14.2393% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,574,000 | 4,387 |
| Average earning assets | $43,136,000 | 4,357 |
| Average equity | $5,726,000 | 4,228 |
| Average total loans | $24,374,333 | 4,255 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 1,448 |
| Cost of funding earning assets | 0.7215% | 2,982 |
| Net interest margin | 4.1602% | 1,004 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.1983% | 3,102 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5041% | 1,181 |
| Return on assets (ROA) | 1.5041% | 1,155 |
| Pretax return on assets | 1.8334% | 1,014 |
| Return on Equity (ROE) | 11.8600% | 2,251 |
| Retained earnings to average equity (ytd only) | 4.8404% | 3,053 |
| Net charge-offs to loans | -0.0349% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.6957% | 3,635 |
| Assets per employee ($millions) | 5.5861% | 3,130 |
| Cash dividends to net income (ytd only)* | 59.1716% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1208% | 368 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.1300% | 3,622 |
| Net loans and leases to deposits | 58.6006% | 3,416 |
| Net loans and leases to core deposits | 59.6505% | 3,555 |
| Total domestic deposits to total assets | 82.1300% | 3,465 |
| Equity capital to assets | 12.8645% | 796 |
| Core capital (leverage) ratio | 14.2042% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $44,944,000 | 4,464 |
| Average earning assets | $42,690,500 | 4,428 |
| Average equity | $5,702,000 | 4,279 |
| Average total loans | $22,910,500 | 4,351 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 1,027 |
| Cost of funding earning assets | 0.4412% | 1,780 |
| Net interest margin | 3.8716% | 1,025 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.4581% | 2,248 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0391% | 2,421 |
| Return on assets (ROA) | 1.0391% | 2,359 |
| Pretax return on assets | 1.1665% | 2,540 |
| Return on Equity (ROE) | 8.1100% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.7510% | 3,478 |
| Net charge-offs to loans | -0.1540% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5860% | 2,134 |
| Assets per employee ($millions) | 5.6499% | 3,085 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9163% | 515 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.7500% | 3,380 |
| Net loans and leases to deposits | 65.7069% | 2,909 |
| Net loans and leases to core deposits | 66.9156% | 3,070 |
| Total domestic deposits to total assets | 78.7600% | 4,020 |
| Equity capital to assets | 12.5113% | 802 |
| Core capital (leverage) ratio | 14.3102% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $44,750,400 | 4,489 |
| Average earning assets | $42,153,400 | 4,463 |
| Average equity | $5,731,800 | 4,358 |
| Average total loans | $21,426,600 | 4,389 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 2,308 |
| Cost of funding earning assets | 0.4065% | 1,247 |
| Net interest margin | 3.2073% | 2,603 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.0610% | 3,318 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1231% | 1,992 |
| Return on assets (ROA) | 1.1231% | 1,959 |
| Pretax return on assets | 1.2575% | 2,183 |
| Return on Equity (ROE) | 8.7200% | 3,107 |
| Retained earnings to average equity (ytd only) | 2.9212% | 3,794 |
| Net charge-offs to loans | -0.1985% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8466% | 3,006 |
| Assets per employee ($millions) | 5.3648% | 3,358 |
| Cash dividends to net income (ytd only)* | 66.4894% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 382 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.7300% | 3,649 |
| Net loans and leases to deposits | 58.0471% | 3,339 |
| Net loans and leases to core deposits | 59.1227% | 3,443 |
| Total domestic deposits to total assets | 82.2300% | 3,803 |
| Equity capital to assets | 12.4214% | 791 |
| Core capital (leverage) ratio | 13.9902% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6640% | 360 |
| Memoranda: | ||
| Average total assets | $44,638,250 | 4,524 |
| Average earning assets | $41,987,000 | 4,495 |
| Average equity | $5,751,000 | 4,392 |
| Average total loans | $20,821,250 | 4,437 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 3,323 |
| Cost of funding earning assets | 0.3861% | 1,017 |
| Net interest margin | 2.7075% | 3,688 |
| Noninterest income to average assets | 0.4866% | 2,274 |
| Noninterest expense to average assets | 2.0039% | 3,419 |
| Loan and lease loss provision to assets | 0.0664% | 1,420 |
| Net operating income to assets | 0.9334% | 2,432 |
| Return on assets (ROA) | 0.9334% | 2,410 |
| Pretax return on assets | 0.9599% | 2,869 |
| Return on Equity (ROE) | 7.1635% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.1635% | 1,931 |
| Net charge-offs to loans | -0.1540% | 4,541 |
| Credit loss provision to net charge-offs | -93.7500% | 3,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1314% | 2,486 |
| Assets per employee ($millions) | 5.6635% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 404 |
| Loan loss allowance to noncurrent loans | 60.5974% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 226 |
| Noncurrent loans to loans | 3.5683% | 116 |
| Net loans and leases to total assets | 42.5422% | 3,937 |
| Net loans and leases to deposits | 51.5871% | 3,721 |
| Net loans and leases to core deposits | 52.4861% | 3,788 |
| Total domestic deposits to total assets | 82.4667% | 3,947 |
| Equity capital to assets | 12.3598% | 786 |
| Core capital (leverage) ratio | 13.8374% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1494% | 244 |
| Memoranda: | ||
| Average total assets | $45,211,667 | 4,568 |
| Average earning assets | $42,474,000 | 4,547 |
| Average equity | $5,891,000 | 4,426 |
| Average total loans | $20,783,333 | 4,490 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 2,416 |
| Cost of funding earning assets | 0.3875% | 939 |
| Net interest margin | 2.9019% | 2,829 |
| Noninterest income to average assets | -0.1417% | 4,782 |
| Noninterest expense to average assets | 1.9573% | 3,533 |
| Loan and lease loss provision to assets | 0.0709% | 1,160 |
| Net operating income to assets | 0.4960% | 3,725 |
| Return on assets (ROA) | 0.4960% | 3,690 |
| Pretax return on assets | 0.5491% | 3,756 |
| Return on Equity (ROE) | 3.7108% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.7108% | 3,037 |
| Net charge-offs to loans | -0.3001% | 4,659 |
| Credit loss provision to net charge-offs | -50.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9450% | 1,530 |
| Assets per employee ($millions) | 6.5769% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0974% | 521 |
| Loan loss allowance to noncurrent loans | 92.2737% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 521 |
| Noncurrent loans to loans | 2.2731% | 289 |
| Net loans and leases to total assets | 42.3802% | 3,860 |
| Net loans and leases to deposits | 51.6916% | 3,590 |
| Net loans and leases to core deposits | 52.5818% | 3,691 |
| Total domestic deposits to total assets | 81.9866% | 4,076 |
| Equity capital to assets | 12.7981% | 737 |
| Core capital (leverage) ratio | 13.2042% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,163,500 | 4,589 |
| Average earning assets | $42,317,500 | 4,572 |
| Average equity | $6,036,500 | 4,462 |
| Average total loans | $21,324,500 | 4,493 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 1,814 |
| Cost of funding earning assets | 0.4206% | 1,386 |
| Net interest margin | 3.4019% | 2,026 |
| Noninterest income to average assets | 0.1564% | 4,367 |
| Noninterest expense to average assets | 2.1983% | 3,093 |
| Loan and lease loss provision to assets | 0.0690% | 1,697 |
| Net operating income to assets | 0.8876% | 3,088 |
| Return on assets (ROA) | 0.8876% | 3,150 |
| Pretax return on assets | 1.0693% | 3,066 |
| Return on Equity (ROE) | 6.2292% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.1141% | 3,957 |
| Net charge-offs to loans | 0.5365% | 152 |
| Credit loss provision to net charge-offs | 24.1935% | 2,262 |
| Earnings coverage of net charge-offs (x) | 3.9919% | 2,513 |
| Efficiency ratio | 65.8856% | 2,273 |
| Assets per employee ($millions) | 7.3815% | 1,675 |
| Cash dividends to net income (ytd only)* | 66.0622% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,522 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.4076% | 3,235 |
| Net loans and leases to deposits | 62.7248% | 2,807 |
| Net loans and leases to core deposits | 63.8697% | 2,991 |
| Total domestic deposits to total assets | 80.3631% | 4,183 |
| Equity capital to assets | 13.9561% | 672 |
| Core capital (leverage) ratio | 13.7556% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,487,200 | 4,624 |
| Average earning assets | $40,653,800 | 4,614 |
| Average equity | $6,196,600 | 4,513 |
| Average total loans | $23,114,400 | 4,509 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 1,562 |
| Cost of funding earning assets | 0.4307% | 1,480 |
| Net interest margin | 3.5574% | 1,703 |
| Noninterest income to average assets | 0.1694% | 4,356 |
| Noninterest expense to average assets | 2.0945% | 3,382 |
| Loan and lease loss provision to assets | 0.0716% | 1,599 |
| Net operating income to assets | 1.0904% | 2,594 |
| Return on assets (ROA) | 1.0904% | 2,650 |
| Pretax return on assets | 1.3368% | 2,525 |
| Return on Equity (ROE) | 7.6121% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.7415% | 3,666 |
| Net charge-offs to loans | 0.7122% | 109 |
| Credit loss provision to net charge-offs | 18.5484% | 1,997 |
| Earnings coverage of net charge-offs (x) | 3.6855% | 2,300 |
| Efficiency ratio | 59.8065% | 3,004 |
| Assets per employee ($millions) | 6.1837% | 2,521 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 825 |
| Loan loss allowance to noncurrent loans | 394.8980% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 2,646 |
| Noncurrent loans to loans | 0.4712% | 2,147 |
| Net loans and leases to total assets | 47.1561% | 3,695 |
| Net loans and leases to deposits | 59.8364% | 3,243 |
| Net loans and leases to core deposits | 60.9750% | 3,402 |
| Total domestic deposits to total assets | 78.8084% | 4,347 |
| Equity capital to assets | 14.4735% | 641 |
| Core capital (leverage) ratio | 13.8729% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,286,750 | 4,695 |
| Average earning assets | $40,552,500 | 4,676 |
| Average equity | $6,200,500 | 4,575 |
| Average total loans | $23,213,000 | 4,566 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 1,059 |
| Cost of funding earning assets | 0.4388% | 1,599 |
| Net interest margin | 3.8309% | 1,092 |
| Noninterest income to average assets | 0.1525% | 4,440 |
| Noninterest expense to average assets | 2.1716% | 3,182 |
| Loan and lease loss provision to assets | 0.0693% | 1,666 |
| Net operating income to assets | 1.2198% | 2,109 |
| Return on assets (ROA) | 1.2198% | 2,190 |
| Pretax return on assets | 1.5016% | 2,010 |
| Return on Equity (ROE) | 8.5451% | 3,249 |
| Retained earnings to average equity (ytd only) | 5.6320% | 2,946 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0247% | 3,285 |
| Assets per employee ($millions) | 6.1737% | 2,454 |
| Cash dividends to net income (ytd only)* | 34.0909% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2972% | 360 |
| Loan loss allowance to noncurrent loans | 229.6804% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 1,646 |
| Noncurrent loans to loans | 1.0002% | 1,230 |
| Net loans and leases to total assets | 49.5025% | 3,606 |
| Net loans and leases to deposits | 62.9576% | 3,108 |
| Net loans and leases to core deposits | 64.1585% | 3,277 |
| Total domestic deposits to total assets | 78.6283% | 4,374 |
| Equity capital to assets | 14.4854% | 620 |
| Core capital (leverage) ratio | 13.6130% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,287,000 | 4,726 |
| Average earning assets | $40,564,667 | 4,706 |
| Average equity | $6,179,000 | 4,606 |
| Average total loans | $24,017,667 | 4,589 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 620 |
| Cost of funding earning assets | 0.4529% | 1,699 |
| Net interest margin | 4.1840% | 620 |
| Noninterest income to average assets | 0.1570% | 4,417 |
| Noninterest expense to average assets | 2.2067% | 3,087 |
| Loan and lease loss provision to assets | 0.0646% | 1,848 |
| Net operating income to assets | 1.4496% | 1,446 |
| Return on assets (ROA) | 1.4496% | 1,512 |
| Pretax return on assets | 1.8097% | 1,274 |
| Return on Equity (ROE) | 10.2305% | 2,610 |
| Retained earnings to average equity (ytd only) | 4.3659% | 3,394 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0724% | 3,773 |
| Assets per employee ($millions) | 5.5844% | 3,034 |
| Cash dividends to net income (ytd only)* | 57.3248% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 575 |
| Loan loss allowance to noncurrent loans | 209.2827% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 1,794 |
| Noncurrent loans to loans | 0.9657% | 1,401 |
| Net loans and leases to total assets | 53.8243% | 3,261 |
| Net loans and leases to deposits | 69.6885% | 2,539 |
| Net loans and leases to core deposits | 71.5335% | 2,742 |
| Total domestic deposits to total assets | 77.2356% | 4,500 |
| Equity capital to assets | 13.7236% | 734 |
| Core capital (leverage) ratio | 13.4535% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,322,500 | 4,746 |
| Average earning assets | $40,630,500 | 4,728 |
| Average equity | $6,138,500 | 4,631 |
| Average total loans | $25,078,500 | 4,594 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 993 |
| Cost of funding earning assets | 0.5965% | 2,337 |
| Net interest margin | 4.0542% | 868 |
| Noninterest income to average assets | 0.1572% | 4,507 |
| Noninterest expense to average assets | 2.5220% | 2,777 |
| Loan and lease loss provision to assets | 0.0737% | 3,463 |
| Net operating income to assets | 1.1075% | 1,900 |
| Return on assets (ROA) | 1.1075% | 2,019 |
| Pretax return on assets | 1.3334% | 1,870 |
| Return on Equity (ROE) | 7.6116% | 2,958 |
| Retained earnings to average equity (ytd only) | 3.7636% | 2,941 |
| Net charge-offs to loans | 0.3705% | 471 |
| Credit loss provision to net charge-offs | 30.0000% | 3,216 |
| Earnings coverage of net charge-offs (x) | 5.7300% | 2,844 |
| Efficiency ratio | 64.1875% | 2,793 |
| Assets per employee ($millions) | 5.2463% | 3,095 |
| Cash dividends to net income (ytd only)* | 50.5543% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 706 |
| Loan loss allowance to noncurrent loans | 206.3291% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 1,868 |
| Noncurrent loans to loans | 0.9252% | 1,519 |
| Net loans and leases to total assets | 59.8666% | 2,881 |
| Net loans and leases to deposits | 79.0474% | 1,974 |
| Net loans and leases to core deposits | 81.3192% | 2,247 |
| Total domestic deposits to total assets | 75.7350% | 4,525 |
| Equity capital to assets | 14.6438% | 647 |
| Core capital (leverage) ratio | 13.9554% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,722,000 | 4,763 |
| Average earning assets | $37,887,000 | 4,742 |
| Average equity | $5,925,200 | 4,653 |
| Average total loans | $26,989,400 | 4,579 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 870 |
| Cost of funding earning assets | 0.6176% | 2,505 |
| Net interest margin | 4.1916% | 750 |
| Noninterest income to average assets | 0.1683% | 4,459 |
| Noninterest expense to average assets | 2.5538% | 2,680 |
| Loan and lease loss provision to assets | 0.0767% | 3,361 |
| Net operating income to assets | 1.1845% | 1,691 |
| Return on assets (ROA) | 1.1845% | 1,814 |
| Pretax return on assets | 1.4353% | 1,620 |
| Return on Equity (ROE) | 8.1543% | 2,746 |
| Retained earnings to average equity (ytd only) | 4.2475% | 2,926 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8247% | 2,938 |
| Assets per employee ($millions) | 5.0388% | 3,199 |
| Cash dividends to net income (ytd only)* | 47.9109% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1570% | 378 |
| Loan loss allowance to noncurrent loans | 159.1781% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 1,272 |
| Noncurrent loans to loans | 1.3551% | 1,084 |
| Net loans and leases to total assets | 65.3783% | 2,596 |
| Net loans and leases to deposits | 86.0089% | 1,706 |
| Net loans and leases to core deposits | 88.5670% | 2,099 |
| Total domestic deposits to total assets | 76.0134% | 4,419 |
| Equity capital to assets | 15.1377% | 606 |
| Core capital (leverage) ratio | 14.7783% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,410,000 | 4,793 |
| Average earning assets | $37,566,000 | 4,770 |
| Average equity | $5,870,000 | 4,681 |
| Average total loans | $27,333,000 | 4,598 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 925 |
| Cost of funding earning assets | 0.6311% | 2,803 |
| Net interest margin | 4.3012% | 754 |
| Noninterest income to average assets | 0.1879% | 4,336 |
| Noninterest expense to average assets | 2.5567% | 2,807 |
| Loan and lease loss provision to assets | 0.0742% | 3,369 |
| Net operating income to assets | 1.2857% | 1,396 |
| Return on assets (ROA) | 1.2857% | 1,512 |
| Pretax return on assets | 1.5676% | 1,300 |
| Return on Equity (ROE) | 8.9769% | 2,371 |
| Retained earnings to average equity (ytd only) | 4.9718% | 2,490 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8952% | 3,291 |
| Assets per employee ($millions) | 5.1939% | 2,938 |
| Cash dividends to net income (ytd only)* | 44.6154% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0463% | 409 |
| 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 | 66.1260% | 2,610 |
| Net loans and leases to deposits | 87.8220% | 1,577 |
| Net loans and leases to core deposits | 90.3667% | 2,046 |
| Total domestic deposits to total assets | 75.2954% | 4,493 |
| Equity capital to assets | 14.5364% | 733 |
| Core capital (leverage) ratio | 14.3835% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,443,333 | 4,814 |
| Average earning assets | $37,710,667 | 4,794 |
| Average equity | $5,792,667 | 4,712 |
| Average total loans | $27,465,667 | 4,606 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 1,520 |
| Cost of funding earning assets | 0.6158% | 3,356 |
| Net interest margin | 4.1484% | 1,028 |
| Noninterest income to average assets | 0.1805% | 4,459 |
| Noninterest expense to average assets | 2.5571% | 3,110 |
| Loan and lease loss provision to assets | 0.0802% | 2,709 |
| Net operating income to assets | 1.1632% | 1,647 |
| Return on assets (ROA) | 1.1632% | 1,759 |
| Pretax return on assets | 1.3939% | 1,581 |
| Return on Equity (ROE) | 8.1849% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.2336% | 2,592 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4328% | 3,308 |
| Assets per employee ($millions) | 4.8834% | 2,775 |
| Cash dividends to net income (ytd only)* | 48.2759% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1003% | 436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 67.5301% | 2,612 |
| Net loans and leases to deposits | 88.7924% | 1,663 |
| Net loans and leases to core deposits | 91.4962% | 2,210 |
| Total domestic deposits to total assets | 76.0540% | 4,481 |
| Equity capital to assets | 14.2396% | 990 |
| Core capital (leverage) ratio | 14.6377% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,889,500 | 4,854 |
| Average earning assets | $37,026,500 | 4,832 |
| Average equity | $5,669,000 | 4,764 |
| Average total loans | $27,173,500 | 4,652 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,075 |
| Cost of funding earning assets | 0.6738% | 3,293 |
| Net interest margin | 4.1156% | 1,499 |
| Noninterest income to average assets | 0.2050% | 4,434 |
| Noninterest expense to average assets | 2.5615% | 3,285 |
| Loan and lease loss provision to assets | 0.0759% | 2,474 |
| Net operating income to assets | 1.1795% | 2,132 |
| Return on assets (ROA) | 1.1795% | 2,235 |
| Pretax return on assets | 1.4175% | 2,093 |
| Return on Equity (ROE) | 8.3531% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.7681% | 2,552 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1710% | 3,195 |
| Assets per employee ($millions) | 5.0890% | 2,468 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 65.9265% | 2,961 |
| Net loans and leases to deposits | 90.8291% | 1,501 |
| Net loans and leases to core deposits | 92.7853% | 2,177 |
| Total domestic deposits to total assets | 72.5830% | 4,849 |
| Equity capital to assets | 14.1850% | 1,035 |
| Core capital (leverage) ratio | 14.2886% | 852 |
| Tier 1 risk-based capital ratio | 18.9360% | 1,530 |
| Total risk-based capital ratio | 20.1909% | 1,496 |
| Memoranda: | ||
| Average total assets | $39,507,400 | 4,898 |
| Average earning assets | $36,956,600 | 4,880 |
| Average equity | $5,578,800 | 4,816 |
| Average total loans | $27,041,600 | 4,707 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 2,123 |
| Cost of funding earning assets | 0.6767% | 3,326 |
| Net interest margin | 4.1219% | 1,569 |
| Noninterest income to average assets | 0.2210% | 4,405 |
| Noninterest expense to average assets | 2.5744% | 3,233 |
| Loan and lease loss provision to assets | 0.0782% | 2,340 |
| Net operating income to assets | 1.2004% | 2,190 |
| Return on assets (ROA) | 1.2004% | 2,271 |
| Pretax return on assets | 1.4419% | 2,148 |
| Return on Equity (ROE) | 8.5112% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.8946% | 2,940 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8738% | 3,185 |
| Assets per employee ($millions) | 4.8968% | 2,666 |
| Cash dividends to net income (ytd only)* | 42.4944% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.2359% | 2,894 |
| Net loans and leases to deposits | 89.8973% | 1,708 |
| Net loans and leases to core deposits | 92.6842% | 2,301 |
| Total domestic deposits to total assets | 74.7920% | 4,759 |
| Equity capital to assets | 14.5683% | 964 |
| Core capital (leverage) ratio | 14.1625% | 943 |
| Tier 1 risk-based capital ratio | 19.3237% | 1,502 |
| Total risk-based capital ratio | 20.5809% | 1,468 |
| Memoranda: | ||
| Average total assets | $39,206,250 | 4,977 |
| Average earning assets | $36,843,250 | 4,957 |
| Average equity | $5,529,750 | 4,887 |
| Average total loans | $26,952,250 | 4,777 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 2,430 |
| Cost of funding earning assets | 0.6612% | 3,349 |
| Net interest margin | 4.0161% | 1,871 |
| Noninterest income to average assets | 0.2142% | 4,459 |
| Noninterest expense to average assets | 2.5601% | 3,303 |
| Loan and lease loss provision to assets | 0.0765% | 2,287 |
| Net operating income to assets | 1.1373% | 2,381 |
| Return on assets (ROA) | 1.1373% | 2,457 |
| Pretax return on assets | 1.3566% | 2,364 |
| Return on Equity (ROE) | 8.1526% | 3,225 |
| Retained earnings to average equity (ytd only) | 4.4967% | 3,021 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1124% | 3,114 |
| Assets per employee ($millions) | 4.9030% | 2,599 |
| Cash dividends to net income (ytd only)* | 44.8430% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0144% | 465 |
| Loan loss allowance to noncurrent loans | 305.0562% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 2,703 |
| Noncurrent loans to loans | 0.6603% | 2,306 |
| Net loans and leases to total assets | 67.3389% | 2,917 |
| Net loans and leases to deposits | 87.5995% | 2,052 |
| Net loans and leases to core deposits | 90.2237% | 2,577 |
| Total domestic deposits to total assets | 76.8713% | 4,577 |
| Equity capital to assets | 14.2719% | 1,021 |
| Core capital (leverage) ratio | 13.9090% | 993 |
| Tier 1 risk-based capital ratio | 18.7745% | 1,607 |
| Total risk-based capital ratio | 20.0309% | 1,571 |
| Memoranda: | ||
| Average total assets | $39,217,000 | 5,021 |
| Average earning assets | $36,901,670 | 4,993 |
| Average equity | $5,470,670 | 4,926 |
| Average total loans | $26,973,000 | 4,810 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 2,780 |
| Cost of funding earning assets | 0.6297% | 3,408 |
| Net interest margin | 3.8975% | 2,197 |
| Noninterest income to average assets | 0.2346% | 4,333 |
| Noninterest expense to average assets | 2.6011% | 3,217 |
| Loan and lease loss provision to assets | 0.0816% | 2,069 |
| Net operating income to assets | 1.0405% | 2,693 |
| Return on assets (ROA) | 1.0405% | 2,735 |
| Pretax return on assets | 1.2139% | 2,752 |
| Return on Equity (ROE) | 7.5458% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.5458% | 1,820 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7539% | 2,829 |
| Assets per employee ($millions) | 4.9219% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 519 |
| Loan loss allowance to noncurrent loans | 301.1236% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,789 |
| Noncurrent loans to loans | 0.6582% | 2,372 |
| Net loans and leases to total assets | 67.3244% | 2,856 |
| Net loans and leases to deposits | 86.0542% | 2,127 |
| Net loans and leases to core deposits | 88.5670% | 2,634 |
| Total domestic deposits to total assets | 78.2349% | 4,477 |
| Equity capital to assets | 13.9479% | 1,057 |
| Core capital (leverage) ratio | 13.9732% | 964 |
| Tier 1 risk-based capital ratio | 18.3089% | 1,713 |
| Total risk-based capital ratio | 19.5692% | 1,658 |
| Memoranda: | ||
| Average total assets | $39,213,500 | 5,075 |
| Average earning assets | $36,844,000 | 5,042 |
| Average equity | $5,407,000 | 4,980 |
| Average total loans | $26,981,500 | 4,866 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 1,941 |
| Cost of funding earning assets | 0.5349% | 3,144 |
| Net interest margin | 4.1302% | 1,589 |
| Noninterest income to average assets | 0.1939% | 4,747 |
| Noninterest expense to average assets | 2.5615% | 3,438 |
| Loan and lease loss provision to assets | 0.0775% | 2,575 |
| Net operating income to assets | 1.2071% | 2,135 |
| Return on assets (ROA) | 1.2071% | 2,130 |
| Pretax return on assets | 1.4268% | 2,053 |
| Return on Equity (ROE) | 8.8912% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.4170% | 3,103 |
| Net charge-offs to loans | -0.0347% | 4,861 |
| Credit loss provision to net charge-offs | -333.3333% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0006% | 3,345 |
| Assets per employee ($millions) | 4.8815% | 2,640 |
| Cash dividends to net income (ytd only)* | 50.3212% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9652% | 502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 67.5740% | 2,934 |
| Net loans and leases to deposits | 85.9213% | 2,285 |
| Net loans and leases to core deposits | 88.4261% | 2,721 |
| Total domestic deposits to total assets | 78.6464% | 4,382 |
| Equity capital to assets | 13.6280% | 1,091 |
| Core capital (leverage) ratio | 13.9868% | 927 |
| Tier 1 risk-based capital ratio | 18.0228% | 1,750 |
| Total risk-based capital ratio | 19.2767% | 1,706 |
| Memoranda: | ||
| Average total assets | $38,689,000 | 5,117 |
| Average earning assets | $36,269,000 | 5,096 |
| Average equity | $5,252,400 | 5,009 |
| Average total loans | $25,965,600 | 4,908 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,894 |
| Cost of funding earning assets | 0.5082% | 3,142 |
| Net interest margin | 4.1242% | 1,561 |
| Noninterest income to average assets | 0.2073% | 4,720 |
| Noninterest expense to average assets | 2.4836% | 3,638 |
| Loan and lease loss provision to assets | 0.0795% | 2,365 |
| Net operating income to assets | 1.2781% | 1,939 |
| Return on assets (ROA) | 1.2781% | 1,937 |
| Pretax return on assets | 1.5130% | 1,859 |
| Return on Equity (ROE) | 9.4235% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.1125% | 2,603 |
| Net charge-offs to loans | -0.0466% | 4,908 |
| Credit loss provision to net charge-offs | -255.5556% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9322% | 3,666 |
| Assets per employee ($millions) | 4.8063% | 2,712 |
| Cash dividends to net income (ytd only)* | 35.1354% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.7295% | 3,211 |
| Net loans and leases to deposits | 81.6549% | 2,859 |
| Net loans and leases to core deposits | 84.0081% | 3,153 |
| Total domestic deposits to total assets | 80.4967% | 3,993 |
| Equity capital to assets | 13.7451% | 1,041 |
| Core capital (leverage) ratio | 14.0051% | 937 |
| Tier 1 risk-based capital ratio | 18.8388% | 1,577 |
| Total risk-based capital ratio | 20.0950% | 1,549 |
| Memoranda: | ||
| Average total assets | $38,598,250 | 5,185 |
| Average earning assets | $36,208,250 | 5,161 |
| Average equity | $5,235,000 | 5,070 |
| Average total loans | $25,727,500 | 4,974 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 1,870 |
| Cost of funding earning assets | 0.4798% | 3,160 |
| Net interest margin | 4.0918% | 1,584 |
| Noninterest income to average assets | 0.2277% | 4,659 |
| Noninterest expense to average assets | 2.3753% | 3,966 |
| Loan and lease loss provision to assets | 0.0776% | 2,353 |
| Net operating income to assets | 1.3610% | 1,566 |
| Return on assets (ROA) | 1.3610% | 1,569 |
| Pretax return on assets | 1.6146% | 1,455 |
| Return on Equity (ROE) | 10.0799% | 2,530 |
| Retained earnings to average equity (ytd only) | 7.5886% | 1,801 |
| Net charge-offs to loans | -0.0078% | 4,229 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3969% | 4,171 |
| Assets per employee ($millions) | 4.9453% | 2,487 |
| Cash dividends to net income (ytd only)* | 24.7148% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.3714% | 3,469 |
| Net loans and leases to deposits | 79.3160% | 3,023 |
| Net loans and leases to core deposits | 81.5476% | 3,285 |
| Total domestic deposits to total assets | 79.8974% | 4,255 |
| Equity capital to assets | 13.3664% | 1,151 |
| Core capital (leverage) ratio | 13.9138% | 928 |
| Tier 1 risk-based capital ratio | 18.6944% | 1,624 |
| Total risk-based capital ratio | 19.9542% | 1,587 |
| Memoranda: | ||
| Average total assets | $38,647,670 | 5,243 |
| Average earning assets | $36,267,670 | 5,219 |
| Average equity | $5,218,330 | 5,131 |
| Average total loans | $25,705,330 | 5,032 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,472 |
| Cost of funding earning assets | 0.4469% | 3,221 |
| Net interest margin | 4.1900% | 1,195 |
| Noninterest income to average assets | 0.2618% | 4,430 |
| Noninterest expense to average assets | 2.3985% | 3,949 |
| Loan and lease loss provision to assets | 0.0838% | 2,124 |
| Net operating income to assets | 1.4559% | 1,180 |
| Return on assets (ROA) | 1.4559% | 1,185 |
| Pretax return on assets | 1.7072% | 1,101 |
| Return on Equity (ROE) | 10.7263% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.7104% | 2,849 |
| Net charge-offs to loans | -0.0155% | 4,434 |
| Credit loss provision to net charge-offs | -800.0000% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2500% | 4,437 |
| Assets per employee ($millions) | 4.6926% | 2,867 |
| Cash dividends to net income (ytd only)* | 46.7626% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.9370% | 3,187 |
| Net loans and leases to deposits | 81.7395% | 2,619 |
| Net loans and leases to core deposits | 84.9437% | 2,900 |
| Total domestic deposits to total assets | 79.4438% | 4,502 |
| Equity capital to assets | 13.7716% | 958 |
| Core capital (leverage) ratio | 13.6959% | 950 |
| Tier 1 risk-based capital ratio | 19.2619% | 1,485 |
| Total risk-based capital ratio | 20.5168% | 1,449 |
| Memoranda: | ||
| Average total assets | $38,190,500 | 5,305 |
| Average earning assets | $35,799,500 | 5,276 |
| Average equity | $5,183,500 | 5,188 |
| Average total loans | $25,770,000 | 5,081 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 1,150 |
| Cost of funding earning assets | 0.4232% | 3,020 |
| Net interest margin | 4.2972% | 966 |
| Noninterest income to average assets | 0.2343% | 4,732 |
| Noninterest expense to average assets | 2.5484% | 3,613 |
| Loan and lease loss provision to assets | 0.0790% | 2,614 |
| Net operating income to assets | 1.2295% | 1,427 |
| Return on assets (ROA) | 1.2295% | 1,443 |
| Pretax return on assets | 1.6165% | 1,247 |
| Return on Equity (ROE) | 9.0884% | 2,275 |
| Retained earnings to average equity (ytd only) | 4.0285% | 2,771 |
| Net charge-offs to loans | -0.0319% | 5,074 |
| Credit loss provision to net charge-offs | -375.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0496% | 4,256 |
| Assets per employee ($millions) | 4.8550% | 2,670 |
| Cash dividends to net income (ytd only)* | 55.6745% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.3919% | 2,900 |
| Net loans and leases to deposits | 89.3284% | 1,853 |
| Net loans and leases to core deposits | 94.0599% | 2,190 |
| Total domestic deposits to total assets | 75.4428% | 5,038 |
| Equity capital to assets | 13.3805% | 1,106 |
| Core capital (leverage) ratio | 13.5302% | 951 |
| Tier 1 risk-based capital ratio | 17.8755% | 1,836 |
| Total risk-based capital ratio | 19.1303% | 1,783 |
| Memoranda: | ||
| Average total assets | $37,984,000 | 5,360 |
| Average earning assets | $35,441,600 | 5,341 |
| Average equity | $5,138,400 | 5,249 |
| Average total loans | $25,101,200 | 5,155 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,100 |
| Cost of funding earning assets | 0.4008% | 3,187 |
| Net interest margin | 4.3143% | 887 |
| Noninterest income to average assets | 0.2365% | 4,791 |
| Noninterest expense to average assets | 2.2875% | 4,332 |
| Loan and lease loss provision to assets | 0.0812% | 2,467 |
| Net operating income to assets | 1.3767% | 1,140 |
| Return on assets (ROA) | 1.3767% | 1,157 |
| Pretax return on assets | 1.8957% | 694 |
| Return on Equity (ROE) | 10.1486% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.7657% | 1,812 |
| Net charge-offs to loans | -0.0378% | 5,075 |
| Credit loss provision to net charge-offs | -328.5714% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6424% | 4,959 |
| Assets per employee ($millions) | 4.6889% | 2,850 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 677 |
| Loan loss allowance to noncurrent loans | 161.4094% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 2,157 |
| Noncurrent loans to loans | 1.1884% | 1,614 |
| Net loans and leases to total assets | 65.5674% | 3,165 |
| Net loans and leases to deposits | 84.1977% | 2,537 |
| Net loans and leases to core deposits | 88.6562% | 2,716 |
| Total domestic deposits to total assets | 77.8732% | 4,752 |
| Equity capital to assets | 14.1105% | 961 |
| Core capital (leverage) ratio | 13.9385% | 906 |
| Tier 1 risk-based capital ratio | 18.9462% | 1,596 |
| Total risk-based capital ratio | 20.2002% | 1,559 |
| Memoranda: | ||
| Average total assets | $37,770,000 | 5,423 |
| Average earning assets | $35,261,500 | 5,404 |
| Average equity | $5,123,750 | 5,309 |
| Average total loans | $24,710,500 | 5,222 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 1,266 |
| Cost of funding earning assets | 0.3742% | 3,348 |
| Net interest margin | 4.2183% | 1,043 |
| Noninterest income to average assets | 0.2325% | 4,842 |
| Noninterest expense to average assets | 2.2770% | 4,412 |
| Loan and lease loss provision to assets | 0.0792% | 2,402 |
| Net operating income to assets | 1.3525% | 1,172 |
| Return on assets (ROA) | 1.3525% | 1,197 |
| Pretax return on assets | 1.8068% | 827 |
| Return on Equity (ROE) | 10.1039% | 1,992 |
| Retained earnings to average equity (ytd only) | 4.9730% | 2,724 |
| Net charge-offs to loans | -0.0244% | 4,852 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6954% | 4,951 |
| Assets per employee ($millions) | 4.7541% | 2,714 |
| Cash dividends to net income (ytd only)* | 50.7813% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.0917% | 3,372 |
| Net loans and leases to deposits | 78.5031% | 3,067 |
| Net loans and leases to core deposits | 82.3903% | 3,220 |
| Total domestic deposits to total assets | 81.6423% | 4,001 |
| Equity capital to assets | 13.6224% | 1,103 |
| Core capital (leverage) ratio | 13.5221% | 992 |
| Tier 1 risk-based capital ratio | 18.6756% | 1,675 |
| Total risk-based capital ratio | 19.9332% | 1,637 |
| Memoranda: | ||
| Average total assets | $37,856,330 | 5,466 |
| Average earning assets | $35,274,670 | 5,448 |
| Average equity | $5,067,330 | 5,352 |
| Average total loans | $24,588,670 | 5,262 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 1,400 |
| Cost of funding earning assets | 0.3392% | 3,641 |
| Net interest margin | 4.1499% | 1,097 |
| Noninterest income to average assets | 0.2436% | 4,783 |
| Noninterest expense to average assets | 2.2771% | 4,469 |
| Loan and lease loss provision to assets | 0.0847% | 2,126 |
| Net operating income to assets | 1.4192% | 960 |
| Return on assets (ROA) | 1.4192% | 987 |
| Pretax return on assets | 1.7687% | 861 |
| Return on Equity (ROE) | 10.6975% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.5084% | 2,593 |
| Net charge-offs to loans | -0.0491% | 5,174 |
| Credit loss provision to net charge-offs | -266.6667% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1282% | 5,029 |
| Assets per employee ($millions) | 4.7181% | 2,815 |
| Cash dividends to net income (ytd only)* | 48.5075% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.6202% | 3,448 |
| Net loans and leases to deposits | 76.3363% | 3,160 |
| Net loans and leases to core deposits | 80.1275% | 3,284 |
| Total domestic deposits to total assets | 82.0321% | 4,159 |
| Equity capital to assets | 13.3819% | 1,114 |
| Core capital (leverage) ratio | 12.8771% | 1,194 |
| Tier 1 risk-based capital ratio | 19.4232% | 1,509 |
| Total risk-based capital ratio | 20.6798% | 1,480 |
| Memoranda: | ||
| Average total assets | $37,768,000 | 5,528 |
| Average earning assets | $35,374,500 | 5,504 |
| Average equity | $5,010,500 | 5,415 |
| Average total loans | $24,460,500 | 5,320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 961 |
| Cost of funding earning assets | 0.3150% | 3,899 |
| Net interest margin | 4.4369% | 717 |
| Noninterest income to average assets | 0.2131% | 5,141 |
| Noninterest expense to average assets | 2.5526% | 3,831 |
| Loan and lease loss provision to assets | 0.0752% | 2,848 |
| Net operating income to assets | 1.3377% | 1,123 |
| Return on assets (ROA) | 1.2462% | 1,451 |
| Pretax return on assets | 1.6323% | 1,185 |
| Return on Equity (ROE) | 9.8062% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.7749% | 2,492 |
| Net charge-offs to loans | -0.0858% | 5,541 |
| Credit loss provision to net charge-offs | -142.8571% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2713% | 4,817 |
| Assets per employee ($millions) | 4.7239% | 2,753 |
| Cash dividends to net income (ytd only)* | 51.3078% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 64.4915% | 3,290 |
| Net loans and leases to deposits | 77.6500% | 3,145 |
| Net loans and leases to core deposits | 81.4463% | 3,262 |
| Total domestic deposits to total assets | 83.0542% | 3,749 |
| Equity capital to assets | 13.1513% | 1,194 |
| Core capital (leverage) ratio | 12.3939% | 1,386 |
| Tier 1 risk-based capital ratio | 18.7164% | 1,677 |
| Total risk-based capital ratio | 19.9710% | 1,640 |
| Memoranda: | ||
| Average total assets | $39,881,400 | 5,547 |
| Average earning assets | $37,459,000 | 5,518 |
| Average equity | $5,068,200 | 5,456 |
| Average total loans | $24,484,800 | 5,374 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 916 |
| Cost of funding earning assets | 0.3086% | 4,001 |
| Net interest margin | 4.4846% | 656 |
| Noninterest income to average assets | 0.2145% | 5,180 |
| Noninterest expense to average assets | 2.3330% | 4,450 |
| Loan and lease loss provision to assets | 0.0759% | 2,704 |
| Net operating income to assets | 1.4652% | 949 |
| Return on assets (ROA) | 1.4652% | 992 |
| Pretax return on assets | 2.0262% | 539 |
| Return on Equity (ROE) | 11.6242% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.6498% | 1,816 |
| Net charge-offs to loans | -0.0820% | 5,509 |
| Credit loss provision to net charge-offs | -153.3333% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6042% | 5,342 |
| Assets per employee ($millions) | 5.0489% | 2,312 |
| Cash dividends to net income (ytd only)* | 42.7930% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.4610% | 4,053 |
| Net loans and leases to deposits | 76.7453% | 3,317 |
| Net loans and leases to core deposits | 80.5520% | 3,392 |
| Total domestic deposits to total assets | 76.1754% | 5,216 |
| Equity capital to assets | 12.8123% | 1,591 |
| Core capital (leverage) ratio | 12.2957% | 1,484 |
| Tier 1 risk-based capital ratio | 18.6103% | 1,759 |
| Total risk-based capital ratio | 19.8623% | 1,723 |
| Memoranda: | ||
| Average total assets | $40,404,000 | 5,593 |
| Average earning assets | $38,025,750 | 5,561 |
| Average equity | $5,092,750 | 5,511 |
| Average total loans | $24,400,250 | 5,425 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 567 |
| Cost of funding earning assets | 0.2994% | 4,138 |
| Net interest margin | 4.7216% | 411 |
| Noninterest income to average assets | 0.2178% | 5,185 |
| Noninterest expense to average assets | 2.4203% | 4,269 |
| Loan and lease loss provision to assets | 0.0742% | 2,655 |
| Net operating income to assets | 1.5541% | 797 |
| Return on assets (ROA) | 1.5541% | 839 |
| Pretax return on assets | 2.1728% | 398 |
| Return on Equity (ROE) | 12.3980% | 1,185 |
| Retained earnings to average equity (ytd only) | 7.4625% | 1,406 |
| Net charge-offs to loans | -0.1061% | 5,645 |
| Credit loss provision to net charge-offs | -115.3846% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8558% | 5,450 |
| Assets per employee ($millions) | 4.9384% | 2,370 |
| Cash dividends to net income (ytd only)* | 39.8089% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 1,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.9366% | 4,122 |
| Net loans and leases to deposits | 70.2720% | 3,959 |
| Net loans and leases to core deposits | 72.9669% | 4,083 |
| Total domestic deposits to total assets | 82.4461% | 3,859 |
| Equity capital to assets | 13.0635% | 1,463 |
| Core capital (leverage) ratio | 12.4242% | 1,395 |
| Tier 1 risk-based capital ratio | 18.9806% | 1,698 |
| Total risk-based capital ratio | 20.2353% | 1,668 |
| Memoranda: | ||
| Average total assets | $40,408,330 | 5,656 |
| Average earning assets | $38,080,330 | 5,629 |
| Average equity | $5,065,330 | 5,570 |
| Average total loans | $24,516,670 | 5,480 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 168 |
| Cost of funding earning assets | 0.3014% | 4,150 |
| Net interest margin | 5.4773% | 124 |
| Noninterest income to average assets | 0.2350% | 5,063 |
| Noninterest expense to average assets | 2.3887% | 4,405 |
| Loan and lease loss provision to assets | 0.0783% | 2,395 |
| Net operating income to assets | 2.0950% | 282 |
| Return on assets (ROA) | 2.0950% | 296 |
| Pretax return on assets | 2.9271% | 139 |
| Return on Equity (ROE) | 17.0603% | 434 |
| Retained earnings to average equity (ytd only) | 12.2770% | 464 |
| Net charge-offs to loans | -0.0159% | 4,746 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2831% | 5,863 |
| Assets per employee ($millions) | 5.1729% | 2,169 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 60.9308% | 3,657 |
| Net loans and leases to deposits | 76.1621% | 3,204 |
| Net loans and leases to core deposits | 78.4170% | 3,460 |
| Total domestic deposits to total assets | 80.0014% | 4,739 |
| Equity capital to assets | 12.3312% | 1,797 |
| Core capital (leverage) ratio | 11.8699% | 1,696 |
| Tier 1 risk-based capital ratio | 17.0102% | 2,287 |
| Total risk-based capital ratio | 18.2630% | 2,238 |
| Memoranda: | ||
| Average total assets | $40,859,000 | 5,699 |
| Average earning assets | $38,486,000 | 5,672 |
| Average equity | $5,017,500 | 5,620 |
| Average total loans | $25,116,500 | 5,507 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,982 |
| Cost of funding earning assets | 0.2935% | 4,324 |
| Net interest margin | 4.0826% | 1,452 |
| Noninterest income to average assets | 0.2132% | 5,318 |
| Noninterest expense to average assets | 2.4994% | 4,225 |
| Loan and lease loss provision to assets | 0.0613% | 3,078 |
| Net operating income to assets | 1.2031% | 1,534 |
| Return on assets (ROA) | 1.2031% | 1,610 |
| Pretax return on assets | 1.5045% | 1,544 |
| Return on Equity (ROE) | 10.0045% | 2,007 |
| Retained earnings to average equity (ytd only) | 4.0955% | 3,093 |
| Net charge-offs to loans | -0.0289% | 5,388 |
| Credit loss provision to net charge-offs | -357.1429% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4828% | 4,691 |
| Assets per employee ($millions) | 5.0419% | 2,321 |
| Cash dividends to net income (ytd only)* | 59.0631% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,538 |
| Loan loss allowance to noncurrent loans | 81.7996% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2123% | 1,785 |
| Noncurrent loans to loans | 1.9871% | 1,056 |
| Net loans and leases to total assets | 60.0198% | 3,837 |
| Net loans and leases to deposits | 75.4456% | 3,325 |
| Net loans and leases to core deposits | 77.7524% | 3,572 |
| Total domestic deposits to total assets | 79.5537% | 4,854 |
| Equity capital to assets | 12.2276% | 1,790 |
| Core capital (leverage) ratio | 11.7160% | 1,808 |
| Tier 1 risk-based capital ratio | 16.9027% | 2,325 |
| Total risk-based capital ratio | 18.1561% | 2,267 |
| Memoranda: | ||
| Average total assets | $40,810,400 | 5,746 |
| Average earning assets | $38,505,000 | 5,715 |
| Average equity | $4,907,800 | 5,678 |
| Average total loans | $24,204,800 | 5,581 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,011 |
| Cost of funding earning assets | 0.2902% | 4,453 |
| Net interest margin | 4.0803% | 1,457 |
| Noninterest income to average assets | 0.2183% | 5,351 |
| Noninterest expense to average assets | 2.1989% | 5,056 |
| Loan and lease loss provision to assets | 0.0586% | 3,013 |
| Net operating income to assets | 1.3714% | 1,176 |
| Return on assets (ROA) | 1.3714% | 1,227 |
| Pretax return on assets | 1.8079% | 884 |
| Return on Equity (ROE) | 11.4514% | 1,549 |
| Retained earnings to average equity (ytd only) | 6.2833% | 2,071 |
| Net charge-offs to loans | -0.0111% | 5,027 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0865% | 5,502 |
| Assets per employee ($millions) | 5.0534% | 2,237 |
| Cash dividends to net income (ytd only)* | 45.1311% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 1,678 |
| Loan loss allowance to noncurrent loans | 79.5082% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 1,957 |
| Noncurrent loans to loans | 2.0484% | 1,120 |
| Net loans and leases to total assets | 57.9687% | 4,145 |
| Net loans and leases to deposits | 72.1254% | 3,751 |
| Net loans and leases to core deposits | 74.9345% | 3,914 |
| Total domestic deposits to total assets | 80.3720% | 4,647 |
| Equity capital to assets | 12.2220% | 1,938 |
| Core capital (leverage) ratio | 11.6333% | 1,935 |
| Tier 1 risk-based capital ratio | 17.0683% | 2,353 |
| Total risk-based capital ratio | 18.3186% | 2,299 |
| Memoranda: | ||
| Average total assets | $40,929,250 | 5,822 |
| Average earning assets | $38,591,000 | 5,788 |
| Average equity | $4,901,750 | 5,747 |
| Average total loans | $24,103,750 | 5,654 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 1,939 |
| Cost of funding earning assets | 0.2936% | 4,460 |
| Net interest margin | 4.0794% | 1,413 |
| Noninterest income to average assets | 0.2336% | 5,287 |
| Noninterest expense to average assets | 2.1754% | 5,172 |
| Loan and lease loss provision to assets | 0.0487% | 3,146 |
| Net operating income to assets | 1.4356% | 1,024 |
| Return on assets (ROA) | 1.4356% | 1,061 |
| Pretax return on assets | 1.8639% | 798 |
| Return on Equity (ROE) | 12.0687% | 1,348 |
| Retained earnings to average equity (ytd only) | 9.0004% | 927 |
| Net charge-offs to loans | -0.0165% | 5,104 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2143% | 5,635 |
| Assets per employee ($millions) | 4.6109% | 2,814 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 2,138 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 2,128 |
| Noncurrent loans to loans | 1.9952% | 1,228 |
| Net loans and leases to total assets | 58.7498% | 4,011 |
| Net loans and leases to deposits | 69.0749% | 4,032 |
| Net loans and leases to core deposits | 71.5418% | 4,178 |
| Total domestic deposits to total assets | 85.0523% | 3,101 |
| Equity capital to assets | 11.8801% | 2,120 |
| Core capital (leverage) ratio | 11.5922% | 1,928 |
| Tier 1 risk-based capital ratio | 16.6637% | 2,533 |
| Total risk-based capital ratio | 17.9157% | 2,483 |
| Memoranda: | ||
| Average total assets | $41,096,670 | 5,879 |
| Average earning assets | $38,829,670 | 5,843 |
| Average equity | $4,888,670 | 5,804 |
| Average total loans | $24,197,330 | 5,704 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 1,643 |
| Cost of funding earning assets | 0.3006% | 4,436 |
| Net interest margin | 4.1355% | 1,194 |
| Noninterest income to average assets | 0.2445% | 5,222 |
| Noninterest expense to average assets | 2.1420% | 5,297 |
| Loan and lease loss provision to assets | 0.0293% | 3,299 |
| Net operating income to assets | 1.5943% | 712 |
| Return on assets (ROA) | 1.5943% | 748 |
| Pretax return on assets | 1.9757% | 615 |
| Return on Equity (ROE) | 13.3936% | 1,011 |
| Retained earnings to average equity (ytd only) | 13.3936% | 407 |
| Net charge-offs to loans | -0.0335% | 5,316 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6509% | 5,830 |
| Assets per employee ($millions) | 5.1064% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 2,079 |
| Loan loss allowance to noncurrent loans | 74.7495% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 2,190 |
| Noncurrent loans to loans | 2.1296% | 1,206 |
| Net loans and leases to total assets | 56.4466% | 4,153 |
| Net loans and leases to deposits | 66.6985% | 4,083 |
| Net loans and leases to core deposits | 67.7091% | 4,362 |
| Total domestic deposits to total assets | 84.6295% | 3,570 |
| Equity capital to assets | 12.1368% | 1,931 |
| Core capital (leverage) ratio | 11.2199% | 2,218 |
| Tier 1 risk-based capital ratio | 17.2764% | 2,388 |
| Total risk-based capital ratio | 18.5270% | 2,342 |
| Memoranda: | ||
| Average total assets | $40,896,000 | 5,941 |
| Average earning assets | $38,593,000 | 5,902 |
| Average equity | $4,868,000 | 5,863 |
| Average total loans | $23,916,000 | 5,755 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,771 |
| Cost of funding earning assets | 0.3139% | 4,644 |
| Net interest margin | 4.2120% | 1,262 |
| Noninterest income to average assets | 0.2322% | 5,471 |
| Noninterest expense to average assets | 2.8239% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2047% | 1,571 |
| Return on assets (ROA) | 1.2668% | 1,438 |
| Pretax return on assets | 1.4410% | 1,752 |
| Return on Equity (ROE) | 10.6704% | 1,826 |
| Retained earnings to average equity (ytd only) | 4.3999% | 3,049 |
| Net charge-offs to loans | 0.1487% | 2,547 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.9706% | 2,048 |
| Efficiency ratio | 67.3285% | 4,010 |
| Assets per employee ($millions) | 5.1176% | 2,172 |
| Cash dividends to net income (ytd only)* | 58.7649% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 2,437 |
| Loan loss allowance to noncurrent loans | 71.3178% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 2,234 |
| Noncurrent loans to loans | 2.1148% | 1,287 |
| Net loans and leases to total assets | 58.6991% | 3,963 |
| Net loans and leases to deposits | 76.4522% | 3,146 |
| Net loans and leases to core deposits | 77.7257% | 3,545 |
| Total domestic deposits to total assets | 76.7788% | 5,633 |
| Equity capital to assets | 11.6705% | 2,283 |
| Core capital (leverage) ratio | 11.1575% | 2,251 |
| Tier 1 risk-based capital ratio | 15.9818% | 2,967 |
| Total risk-based capital ratio | 17.2310% | 2,912 |
| Memoranda: | ||
| Average total assets | $39,626,200 | 6,044 |
| Average earning assets | $37,274,400 | 6,006 |
| Average equity | $4,704,600 | 5,923 |
| Average total loans | $22,870,200 | 5,858 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 1,791 |
| Cost of funding earning assets | 0.3176% | 4,699 |
| Net interest margin | 4.2040% | 1,278 |
| Noninterest income to average assets | 0.2477% | 5,439 |
| Noninterest expense to average assets | 2.3750% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4450% | 1,037 |
| Return on assets (ROA) | 1.5200% | 936 |
| Pretax return on assets | 1.9204% | 685 |
| Return on Equity (ROE) | 12.7462% | 1,285 |
| Retained earnings to average equity (ytd only) | 8.4784% | 1,157 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5428% | 5,607 |
| Assets per employee ($millions) | 4.9480% | 2,304 |
| Cash dividends to net income (ytd only)* | 33.4829% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 1,735 |
| Loan loss allowance to noncurrent loans | 71.0247% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.4299% | 2,160 |
| Noncurrent loans to loans | 2.5052% | 1,169 |
| Net loans and leases to total assets | 56.0605% | 4,327 |
| Net loans and leases to deposits | 71.0112% | 3,795 |
| Net loans and leases to core deposits | 71.6185% | 4,187 |
| Total domestic deposits to total assets | 78.9460% | 5,339 |
| Equity capital to assets | 12.2954% | 1,833 |
| Core capital (leverage) ratio | 11.6069% | 1,975 |
| Tier 1 risk-based capital ratio | 17.0566% | 2,596 |
| Total risk-based capital ratio | 18.1832% | 2,592 |
| Memoranda: | ||
| Average total assets | $39,297,500 | 6,128 |
| Average earning assets | $36,948,000 | 6,091 |
| Average equity | $4,686,250 | 5,992 |
| Average total loans | $22,487,750 | 5,934 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,922 |
| Cost of funding earning assets | 0.3144% | 4,834 |
| Net interest margin | 4.1571% | 1,357 |
| Noninterest income to average assets | 0.2500% | 5,412 |
| Noninterest expense to average assets | 2.3570% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4846% | 897 |
| Return on assets (ROA) | 1.4846% | 929 |
| Pretax return on assets | 1.8060% | 831 |
| Return on Equity (ROE) | 12.5811% | 1,288 |
| Retained earnings to average equity (ytd only) | 9.3385% | 872 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6176% | 5,689 |
| Assets per employee ($millions) | 4.8513% | 2,405 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 1,865 |
| Loan loss allowance to noncurrent loans | 69.1910% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 2,180 |
| Noncurrent loans to loans | 2.5875% | 1,192 |
| Net loans and leases to total assets | 56.8204% | 4,139 |
| Net loans and leases to deposits | 68.7900% | 3,958 |
| Net loans and leases to core deposits | 69.3612% | 4,331 |
| Total domestic deposits to total assets | 82.5998% | 4,446 |
| Equity capital to assets | 12.3319% | 1,754 |
| Core capital (leverage) ratio | 11.6349% | 1,892 |
| Tier 1 risk-based capital ratio | 16.8328% | 2,694 |
| Total risk-based capital ratio | 18.0854% | 2,658 |
| Memoranda: | ||
| Average total assets | $39,202,000 | 6,193 |
| Average earning assets | $36,900,670 | 6,150 |
| Average equity | $4,626,000 | 6,050 |
| Average total loans | $22,452,670 | 5,978 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 1,929 |
| Cost of funding earning assets | 0.3141% | 4,930 |
| Net interest margin | 4.1477% | 1,349 |
| Noninterest income to average assets | 0.2437% | 5,409 |
| Noninterest expense to average assets | 2.3859% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5229% | 775 |
| Return on assets (ROA) | 1.5229% | 812 |
| Pretax return on assets | 1.7463% | 885 |
| Return on Equity (ROE) | 13.1984% | 1,110 |
| Retained earnings to average equity (ytd only) | 13.1984% | 463 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7396% | 5,675 |
| Assets per employee ($millions) | 4.9354% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,046 |
| Loan loss allowance to noncurrent loans | 67.3367% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 2,338 |
| Noncurrent loans to loans | 2.6709% | 1,272 |
| Net loans and leases to total assets | 55.5935% | 4,196 |
| Net loans and leases to deposits | 65.0756% | 4,196 |
| Net loans and leases to core deposits | 65.5890% | 4,538 |
| Total domestic deposits to total assets | 85.4292% | 3,657 |
| Equity capital to assets | 11.7949% | 2,014 |
| Core capital (leverage) ratio | 11.3494% | 2,095 |
| Tier 1 risk-based capital ratio | 16.7344% | 2,796 |
| Total risk-based capital ratio | 17.9872% | 2,758 |
| Memoranda: | ||
| Average total assets | $39,398,000 | 6,250 |
| Average earning assets | $36,936,000 | 6,206 |
| Average equity | $4,546,000 | 6,123 |
| Average total loans | $22,452,000 | 6,030 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,840 |
| Cost of funding earning assets | 0.3717% | 4,929 |
| Net interest margin | 3.9598% | 2,069 |
| Noninterest income to average assets | 0.2459% | 5,583 |
| Noninterest expense to average assets | 2.5754% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2052% | 1,545 |
| Return on assets (ROA) | 1.1964% | 1,651 |
| Pretax return on assets | 1.3865% | 1,836 |
| Return on Equity (ROE) | 10.4476% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.9139% | 2,658 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8373% | 4,758 |
| Assets per employee ($millions) | 4.9141% | 2,289 |
| Cash dividends to net income (ytd only)* | 52.9661% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 2,120 |
| Loan loss allowance to noncurrent loans | 65.3659% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 2,378 |
| Noncurrent loans to loans | 2.7270% | 1,327 |
| Net loans and leases to total assets | 56.3427% | 4,266 |
| Net loans and leases to deposits | 68.8787% | 3,922 |
| Net loans and leases to core deposits | 69.4466% | 4,352 |
| Total domestic deposits to total assets | 81.7999% | 4,945 |
| Equity capital to assets | 11.2813% | 2,359 |
| Core capital (leverage) ratio | 11.3073% | 2,114 |
| Tier 1 risk-based capital ratio | 15.8768% | 3,160 |
| Total risk-based capital ratio | 17.1296% | 3,115 |
| Memoranda: | ||
| Average total assets | $39,450,600 | 6,302 |
| Average earning assets | $37,123,000 | 6,251 |
| Average equity | $4,517,800 | 6,200 |
| Average total loans | $20,731,600 | 6,162 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 3,015 |
| Cost of funding earning assets | 0.3794% | 5,006 |
| Net interest margin | 3.9156% | 2,212 |
| Noninterest income to average assets | 0.2465% | 5,672 |
| Noninterest expense to average assets | 2.2860% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3754% | 1,161 |
| Return on assets (ROA) | 1.3642% | 1,238 |
| Pretax return on assets | 1.6411% | 1,243 |
| Return on Equity (ROE) | 11.8685% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.7556% | 1,521 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0120% | 5,681 |
| Assets per employee ($millions) | 4.6731% | 2,616 |
| Cash dividends to net income (ytd only)* | 34.6533% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 1,868 |
| Loan loss allowance to noncurrent loans | 63.7084% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.6878% | 2,438 |
| Noncurrent loans to loans | 3.0520% | 1,307 |
| Net loans and leases to total assets | 54.2276% | 4,574 |
| Net loans and leases to deposits | 62.2253% | 4,729 |
| Net loans and leases to core deposits | 62.7317% | 5,040 |
| Total domestic deposits to total assets | 87.1473% | 2,604 |
| Equity capital to assets | 12.0235% | 1,901 |
| Core capital (leverage) ratio | 11.2497% | 2,251 |
| Tier 1 risk-based capital ratio | 18.1362% | 2,270 |
| Total risk-based capital ratio | 19.3886% | 2,234 |
| Memoranda: | ||
| Average total assets | $39,485,000 | 6,371 |
| Average earning assets | $37,251,750 | 6,317 |
| Average equity | $4,538,500 | 6,272 |
| Average total loans | $20,276,500 | 6,253 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 3,392 |
| Cost of funding earning assets | 0.3842% | 5,092 |
| Net interest margin | 3.8104% | 2,515 |
| Noninterest income to average assets | 0.2538% | 5,634 |
| Noninterest expense to average assets | 2.1849% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4103% | 1,056 |
| Return on assets (ROA) | 1.3936% | 1,179 |
| Pretax return on assets | 1.6524% | 1,229 |
| Return on Equity (ROE) | 12.2996% | 1,405 |
| Retained earnings to average equity (ytd only) | 9.0051% | 1,116 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6452% | 5,882 |
| Assets per employee ($millions) | 4.7804% | 2,408 |
| Cash dividends to net income (ytd only)* | 26.7857% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 1,714 |
| Loan loss allowance to noncurrent loans | 62.1329% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 2,573 |
| Noncurrent loans to loans | 3.3188% | 1,311 |
| Net loans and leases to total assets | 49.9255% | 5,119 |
| Net loans and leases to deposits | 56.8633% | 5,257 |
| Net loans and leases to core deposits | 57.3105% | 5,490 |
| Total domestic deposits to total assets | 87.7991% | 2,382 |
| Equity capital to assets | 11.7695% | 2,074 |
| Core capital (leverage) ratio | 10.7572% | 2,611 |
| Tier 1 risk-based capital ratio | 18.8215% | 2,041 |
| Total risk-based capital ratio | 20.0772% | 2,001 |
| Memoranda: | ||
| Average total assets | $40,185,000 | 6,394 |
| Average earning assets | $38,001,670 | 6,344 |
| Average equity | $4,553,000 | 6,318 |
| Average total loans | $20,143,670 | 6,295 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 3,784 |
| Cost of funding earning assets | 0.4003% | 5,095 |
| Net interest margin | 3.6852% | 2,915 |
| Noninterest income to average assets | 0.2527% | 5,651 |
| Noninterest expense to average assets | 2.0605% | 5,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4824% | 891 |
| Return on assets (ROA) | 1.4481% | 1,042 |
| Pretax return on assets | 1.6425% | 1,209 |
| Return on Equity (ROE) | 13.0159% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.0159% | 561 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0649% | 6,148 |
| Assets per employee ($millions) | 5.2046% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 2,050 |
| Loan loss allowance to noncurrent loans | 60.6335% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.5923% | 2,876 |
| Noncurrent loans to loans | 3.2956% | 1,469 |
| Net loans and leases to total assets | 47.3521% | 5,299 |
| Net loans and leases to deposits | 53.6052% | 5,465 |
| Net loans and leases to core deposits | 53.9898% | 5,665 |
| Total domestic deposits to total assets | 88.3349% | 2,107 |
| Equity capital to assets | 11.0983% | 2,850 |
| Core capital (leverage) ratio | 9.9907% | 3,395 |
| Tier 1 risk-based capital ratio | 18.2739% | 2,270 |
| Total risk-based capital ratio | 19.5268% | 2,231 |
| Memoranda: | ||
| Average total assets | $41,156,000 | 6,431 |
| Average earning assets | $38,966,500 | 6,369 |
| Average equity | $4,579,000 | 6,376 |
| Average total loans | $20,468,000 | 6,334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 3,332 |
| Cost of funding earning assets | 0.5222% | 5,053 |
| Net interest margin | 3.9936% | 2,411 |
| Noninterest income to average assets | 0.2271% | 5,817 |
| Noninterest expense to average assets | 2.5952% | 4,761 |
| Loan and lease loss provision to assets | 0.1480% | 3,756 |
| Net operating income to assets | 0.9391% | 2,607 |
| Return on assets (ROA) | 0.9391% | 2,856 |
| Pretax return on assets | 1.0361% | 3,408 |
| Return on Equity (ROE) | 8.0108% | 3,074 |
| Retained earnings to average equity (ytd only) | 0.3918% | 5,660 |
| Net charge-offs to loans | -0.0052% | 6,389 |
| Credit loss provision to net charge-offs | -5,800.0000% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6698% | 4,026 |
| Assets per employee ($millions) | 4.5194% | 2,922 |
| Cash dividends to net income (ytd only)* | 95.1087% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,194 |
| Loan loss allowance to noncurrent loans | 59.1176% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 2,890 |
| Noncurrent loans to loans | 3.2664% | 1,572 |
| Net loans and leases to total assets | 50.1930% | 5,144 |
| Net loans and leases to deposits | 56.8770% | 5,352 |
| Net loans and leases to core deposits | 57.2936% | 5,608 |
| Total domestic deposits to total assets | 88.2483% | 2,066 |
| Equity capital to assets | 11.1543% | 2,785 |
| Core capital (leverage) ratio | 10.0857% | 3,293 |
| Tier 1 risk-based capital ratio | 18.0987% | 2,227 |
| Total risk-based capital ratio | 19.3543% | 2,197 |
| Memoranda: | ||
| Average total assets | $39,187,200 | 6,527 |
| Average earning assets | $34,855,800 | 6,536 |
| Average equity | $4,593,800 | 6,416 |
| Average total loans | $19,245,600 | 6,454 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 3,202 |
| Cost of funding earning assets | 0.5485% | 5,099 |
| Net interest margin | 4.0510% | 2,291 |
| Noninterest income to average assets | 0.2370% | 5,859 |
| Noninterest expense to average assets | 2.3702% | 5,485 |
| Loan and lease loss provision to assets | 0.1992% | 3,088 |
| Net operating income to assets | 1.0374% | 2,327 |
| Return on assets (ROA) | 1.0374% | 2,547 |
| Pretax return on assets | 1.2194% | 2,917 |
| Return on Equity (ROE) | 8.7383% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.8448% | 2,796 |
| Net charge-offs to loans | -0.0071% | 6,308 |
| Credit loss provision to net charge-offs | -5,800.0000% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5567% | 5,065 |
| Assets per employee ($millions) | 4.4421% | 3,009 |
| Cash dividends to net income (ytd only)* | 33.1123% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 1,879 |
| Loan loss allowance to noncurrent loans | 57.7586% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7409% | 2,997 |
| Noncurrent loans to loans | 3.6535% | 1,474 |
| Net loans and leases to total assets | 46.6445% | 5,693 |
| Net loans and leases to deposits | 53.7360% | 5,825 |
| Net loans and leases to core deposits | 54.1416% | 6,039 |
| Total domestic deposits to total assets | 86.8031% | 2,796 |
| Equity capital to assets | 11.8537% | 2,389 |
| Core capital (leverage) ratio | 10.7396% | 2,665 |
| Tier 1 risk-based capital ratio | 19.9678% | 1,768 |
| Total risk-based capital ratio | 21.2217% | 1,741 |
| Memoranda: | ||
| Average total assets | $38,815,250 | 6,623 |
| Average earning assets | $34,032,250 | 6,639 |
| Average equity | $4,608,000 | 6,485 |
| Average total loans | $18,852,500 | 6,559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 2,614 |
| Cost of funding earning assets | 0.5868% | 5,012 |
| Net interest margin | 4.1870% | 1,784 |
| Noninterest income to average assets | 0.2342% | 5,893 |
| Noninterest expense to average assets | 2.4618% | 5,258 |
| Loan and lease loss provision to assets | 0.2030% | 3,051 |
| Net operating income to assets | 1.0149% | 2,400 |
| Return on assets (ROA) | 1.0149% | 2,623 |
| Pretax return on assets | 1.1346% | 3,170 |
| Return on Equity (ROE) | 8.5445% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.3536% | 2,470 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7945% | 4,748 |
| Assets per employee ($millions) | 3.6385% | 4,665 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 2,268 |
| Loan loss allowance to noncurrent loans | 53.5014% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.7839% | 3,059 |
| Noncurrent loans to loans | 3.7099% | 1,526 |
| Net loans and leases to total assets | 47.1317% | 5,704 |
| Net loans and leases to deposits | 53.9048% | 5,877 |
| Net loans and leases to core deposits | 54.3083% | 6,071 |
| Total domestic deposits to total assets | 87.4350% | 2,510 |
| Equity capital to assets | 11.5980% | 2,491 |
| Core capital (leverage) ratio | 10.5203% | 2,781 |
| Tier 1 risk-based capital ratio | 19.4188% | 1,872 |
| Total risk-based capital ratio | 20.6736% | 1,839 |
| Memoranda: | ||
| Average total assets | $38,427,330 | 6,672 |
| Average earning assets | $32,720,670 | 6,715 |
| Average equity | $4,564,330 | 6,526 |
| Average total loans | $18,786,670 | 6,611 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 2,902 |
| Cost of funding earning assets | 0.5876% | 5,230 |
| Net interest margin | 4.1498% | 1,939 |
| Noninterest income to average assets | 0.2339% | 5,953 |
| Noninterest expense to average assets | 2.5725% | 4,914 |
| Loan and lease loss provision to assets | 0.2126% | 2,828 |
| Net operating income to assets | 0.9673% | 2,603 |
| Return on assets (ROA) | 0.9673% | 2,805 |
| Pretax return on assets | 1.0524% | 3,494 |
| Return on Equity (ROE) | 8.0433% | 3,269 |
| Retained earnings to average equity (ytd only) | 8.0433% | 1,970 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0360% | 4,352 |
| Assets per employee ($millions) | 3.5381% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 2,308 |
| Loan loss allowance to noncurrent loans | 50.0690% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.8628% | 3,102 |
| Noncurrent loans to loans | 4.0293% | 1,513 |
| Net loans and leases to total assets | 45.2992% | 5,869 |
| Net loans and leases to deposits | 51.7403% | 5,994 |
| Net loans and leases to core deposits | 52.1366% | 6,195 |
| Total domestic deposits to total assets | 87.5511% | 2,619 |
| Equity capital to assets | 11.7449% | 2,224 |
| Core capital (leverage) ratio | 10.7972% | 2,442 |
| Tier 1 risk-based capital ratio | 20.5728% | 1,571 |
| Total risk-based capital ratio | 21.8295% | 1,550 |
| Memoranda: | ||
| Average total assets | $37,629,000 | 6,743 |
| Average earning assets | $32,676,000 | 6,772 |
| Average equity | $4,525,500 | 6,575 |
| Average total loans | $18,557,000 | 6,684 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 4,387 |
| Cost of funding earning assets | 0.8108% | 4,785 |
| Net interest margin | 3.8560% | 3,537 |
| Noninterest income to average assets | 0.2265% | 5,916 |
| Noninterest expense to average assets | 2.4946% | 5,486 |
| Loan and lease loss provision to assets | 0.2209% | 3,988 |
| Net operating income to assets | 1.0222% | 2,115 |
| Return on assets (ROA) | 1.0222% | 2,263 |
| Pretax return on assets | 1.1468% | 2,668 |
| Return on Equity (ROE) | 8.6963% | 2,593 |
| Retained earnings to average equity (ytd only) | 4.4806% | 2,980 |
| Net charge-offs to loans | 0.0159% | 6,215 |
| Credit loss provision to net charge-offs | 2,600.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 210 |
| Efficiency ratio | 64.5894% | 5,021 |
| Assets per employee ($millions) | 3.3035% | 5,503 |
| Cash dividends to net income (ytd only)* | 48.4765% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,888 |
| Loan loss allowance to noncurrent loans | 47.3103% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9951% | 2,970 |
| Noncurrent loans to loans | 3.7916% | 1,656 |
| Net loans and leases to total assets | 51.6745% | 5,366 |
| Net loans and leases to deposits | 59.4824% | 5,548 |
| Net loans and leases to core deposits | 59.9725% | 5,850 |
| Total domestic deposits to total assets | 86.8736% | 2,831 |
| Equity capital to assets | 12.3284% | 1,893 |
| Core capital (leverage) ratio | 11.0985% | 2,194 |
| Tier 1 risk-based capital ratio | 17.2921% | 2,471 |
| Total risk-based capital ratio | 18.5445% | 2,445 |
| Memoranda: | ||
| Average total assets | $35,316,600 | 6,819 |
| Average earning assets | $33,298,600 | 6,770 |
| Average equity | $4,151,200 | 6,715 |
| Average total loans | $18,851,400 | 6,715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 4,654 |
| Cost of funding earning assets | 0.8534% | 4,748 |
| Net interest margin | 3.8023% | 3,874 |
| Noninterest income to average assets | 0.2282% | 5,983 |
| Noninterest expense to average assets | 2.2627% | 6,139 |
| Loan and lease loss provision to assets | 0.2206% | 3,810 |
| Net operating income to assets | 1.1560% | 1,794 |
| Return on assets (ROA) | 1.1560% | 1,911 |
| Pretax return on assets | 1.3538% | 2,103 |
| Return on Equity (ROE) | 9.9612% | 2,217 |
| Retained earnings to average equity (ytd only) | 6.8484% | 2,053 |
| Net charge-offs to loans | 0.0284% | 5,755 |
| Credit loss provision to net charge-offs | 1,450.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 103.5629% | 352 |
| Efficiency ratio | 58.9693% | 5,869 |
| Assets per employee ($millions) | 3.2947% | 5,491 |
| Cash dividends to net income (ytd only)* | 31.2494% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 3,012 |
| Loan loss allowance to noncurrent loans | 44.6133% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9977% | 3,142 |
| Noncurrent loans to loans | 3.9940% | 1,660 |
| Net loans and leases to total assets | 49.1253% | 5,821 |
| Net loans and leases to deposits | 56.3489% | 5,998 |
| Net loans and leases to core deposits | 56.8128% | 6,239 |
| Total domestic deposits to total assets | 87.1806% | 2,538 |
| Equity capital to assets | 12.1461% | 2,148 |
| Core capital (leverage) ratio | 11.2057% | 2,227 |
| Tier 1 risk-based capital ratio | 17.8671% | 2,301 |
| Total risk-based capital ratio | 19.1184% | 2,267 |
| Memoranda: | ||
| Average total assets | $35,061,000 | 6,894 |
| Average earning assets | $33,277,000 | 6,835 |
| Average equity | $4,069,000 | 6,783 |
| Average total loans | $18,784,000 | 6,784 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 4,303 |
| Cost of funding earning assets | 0.8770% | 4,847 |
| Net interest margin | 3.8732% | 3,423 |
| Noninterest income to average assets | 0.1962% | 6,268 |
| Noninterest expense to average assets | 2.3019% | 6,122 |
| Loan and lease loss provision to assets | 0.2250% | 3,661 |
| Net operating income to assets | 1.1942% | 1,590 |
| Return on assets (ROA) | 1.1942% | 1,675 |
| Pretax return on assets | 1.3384% | 2,003 |
| Return on Equity (ROE) | 10.4598% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.1860% | 1,387 |
| Net charge-offs to loans | 0.0210% | 5,545 |
| Credit loss provision to net charge-offs | 1,950.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 262 |
| Efficiency ratio | 59.5522% | 5,938 |
| Assets per employee ($millions) | 3.2978% | 5,430 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 3,115 |
| Loan loss allowance to noncurrent loans | 41.4966% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0261% | 3,199 |
| Noncurrent loans to loans | 4.2441% | 1,595 |
| Net loans and leases to total assets | 46.8988% | 6,162 |
| Net loans and leases to deposits | 53.3540% | 6,356 |
| Net loans and leases to core deposits | 53.7875% | 6,575 |
| Total domestic deposits to total assets | 87.9011% | 2,205 |
| Equity capital to assets | 11.5310% | 2,475 |
| Core capital (leverage) ratio | 11.3450% | 2,014 |
| Tier 1 risk-based capital ratio | 18.7108% | 1,932 |
| Total risk-based capital ratio | 19.9616% | 1,897 |
| Memoranda: | ||
| Average total assets | $34,667,330 | 6,971 |
| Average earning assets | $32,841,000 | 6,911 |
| Average equity | $3,958,000 | 6,861 |
| Average total loans | $19,003,000 | 6,837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 3,425 |
| Cost of funding earning assets | 0.8984% | 4,931 |
| Net interest margin | 4.0303% | 2,563 |
| Noninterest income to average assets | 0.1299% | 6,766 |
| Noninterest expense to average assets | 2.3152% | 6,151 |
| Loan and lease loss provision to assets | 0.2362% | 3,299 |
| Net operating income to assets | 1.2403% | 1,418 |
| Return on assets (ROA) | 1.2403% | 1,474 |
| Pretax return on assets | 1.3939% | 1,742 |
| Return on Equity (ROE) | 10.9219% | 1,767 |
| Retained earnings to average equity (ytd only) | 6.2411% | 2,501 |
| Net charge-offs to loans | 0.1008% | 3,942 |
| Credit loss provision to net charge-offs | 400.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 890 |
| Efficiency ratio | 58.6826% | 6,173 |
| Assets per employee ($millions) | 3.1577% | 5,824 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,355 |
| Loan loss allowance to noncurrent loans | 38.8203% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.0987% | 3,196 |
| Noncurrent loans to loans | 3.7813% | 1,945 |
| Net loans and leases to total assets | 54.6884% | 5,213 |
| Net loans and leases to deposits | 62.3331% | 5,460 |
| Net loans and leases to core deposits | 62.8611% | 5,843 |
| Total domestic deposits to total assets | 87.7357% | 2,530 |
| Equity capital to assets | 11.2883% | 2,427 |
| Core capital (leverage) ratio | 12.7741% | 1,209 |
| Tier 1 risk-based capital ratio | 17.8083% | 2,181 |
| Total risk-based capital ratio | 19.0574% | 2,142 |
| Memoranda: | ||
| Average total assets | $33,863,000 | 7,041 |
| Average earning assets | $32,057,000 | 6,986 |
| Average equity | $3,845,500 | 6,923 |
| Average total loans | $19,845,500 | 6,848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 2,627 |
| Cost of funding earning assets | 1.1423% | 4,894 |
| Net interest margin | 4.2676% | 1,930 |
| Noninterest income to average assets | 0.1711% | 6,513 |
| Noninterest expense to average assets | 2.7437% | 4,804 |
| Loan and lease loss provision to assets | 0.1236% | 5,927 |
| Net operating income to assets | 1.1564% | 1,522 |
| Return on assets (ROA) | 1.1564% | 1,607 |
| Pretax return on assets | 1.2926% | 1,947 |
| Return on Equity (ROE) | 8.7100% | 2,414 |
| Retained earnings to average equity (ytd only) | -6.2998% | 6,410 |
| Net charge-offs to loans | 0.0457% | 6,347 |
| Credit loss provision to net charge-offs | 433.3333% | 538 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 469 |
| Efficiency ratio | 65.9558% | 4,976 |
| Assets per employee ($millions) | 2.9992% | 6,100 |
| Cash dividends to net income (ytd only)* | 172.3288% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,908 |
| Loan loss allowance to noncurrent loans | 36.3514% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 2.4673% | 2,805 |
| Noncurrent loans to loans | 3.6253% | 2,063 |
| Net loans and leases to total assets | 61.0560% | 4,475 |
| Net loans and leases to deposits | 69.5162% | 4,878 |
| Net loans and leases to core deposits | 70.1334% | 5,432 |
| Total domestic deposits to total assets | 87.8300% | 2,353 |
| Equity capital to assets | 11.4274% | 2,324 |
| Core capital (leverage) ratio | 11.4116% | 1,884 |
| Tier 1 risk-based capital ratio | 17.1869% | 2,278 |
| Total risk-based capital ratio | 18.3934% | 2,258 |
| Memoranda: | ||
| Average total assets | $31,563,400 | 7,158 |
| Average earning assets | $29,501,200 | 7,106 |
| Average equity | $4,190,600 | 6,926 |
| Average total loans | $19,706,800 | 6,941 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 2,678 |
| Cost of funding earning assets | 1.1673% | 5,047 |
| Net interest margin | 4.2756% | 1,932 |
| Noninterest income to average assets | 0.2008% | 6,462 |
| Noninterest expense to average assets | 2.5080% | 5,694 |
| Loan and lease loss provision to assets | 0.0855% | 6,186 |
| Net operating income to assets | 1.3629% | 1,186 |
| Return on assets (ROA) | 1.3629% | 1,270 |
| Pretax return on assets | 1.5979% | 1,351 |
| Return on Equity (ROE) | 9.9009% | 2,161 |
| Retained earnings to average equity (ytd only) | 6.7972% | 1,945 |
| Net charge-offs to loans | 0.0683% | 5,832 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 39.4089% | 689 |
| Efficiency ratio | 59.8369% | 5,979 |
| Assets per employee ($millions) | 2.9734% | 6,212 |
| Cash dividends to net income (ytd only)* | 31.3482% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,297 |
| Loan loss allowance to noncurrent loans | 33.5580% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 2.5560% | 2,811 |
| Noncurrent loans to loans | 3.6908% | 2,109 |
| Net loans and leases to total assets | 60.7057% | 4,777 |
| Net loans and leases to deposits | 71.0401% | 4,987 |
| Net loans and leases to core deposits | 71.6916% | 5,551 |
| Total domestic deposits to total assets | 85.4527% | 3,379 |
| Equity capital to assets | 13.8105% | 1,240 |
| Core capital (leverage) ratio | 13.5241% | 1,054 |
| Tier 1 risk-based capital ratio | 19.4527% | 1,654 |
| Total risk-based capital ratio | 20.5752% | 1,648 |
| Memoranda: | ||
| Average total assets | $31,206,500 | 7,250 |
| Average earning assets | $29,125,500 | 7,206 |
| Average equity | $4,295,750 | 6,982 |
| Average total loans | $19,530,500 | 7,047 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 2,849 |
| Cost of funding earning assets | 1.1838% | 5,216 |
| Net interest margin | 4.2449% | 1,984 |
| Noninterest income to average assets | 0.1563% | 6,771 |
| Noninterest expense to average assets | 2.5793% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3808% | 1,124 |
| Return on assets (ROA) | 1.3808% | 1,194 |
| Pretax return on assets | 1.5241% | 1,493 |
| Return on Equity (ROE) | 10.0426% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,565 |
| Net charge-offs to loans | 0.1034% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 23.4000% | 1,103 |
| Efficiency ratio | 62.8571% | 5,545 |
| Assets per employee ($millions) | 2.8973% | 6,365 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,723 |
| Loan loss allowance to noncurrent loans | 30.9878% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 2.6137% | 2,766 |
| Noncurrent loans to loans | 3.6893% | 2,121 |
| Net loans and leases to total assets | 62.1337% | 4,659 |
| Net loans and leases to deposits | 72.0466% | 4,990 |
| Net loans and leases to core deposits | 72.7159% | 5,595 |
| Total domestic deposits to total assets | 86.2410% | 2,950 |
| Equity capital to assets | 13.5362% | 1,328 |
| Core capital (leverage) ratio | 13.5743% | 1,036 |
| Tier 1 risk-based capital ratio | 19.4954% | 1,607 |
| Total risk-based capital ratio | 20.5439% | 1,618 |
| Memoranda: | ||
| Average total assets | $30,706,330 | 7,321 |
| Average earning assets | $28,552,000 | 7,275 |
| Average equity | $4,222,000 | 7,039 |
| Average total loans | $19,339,330 | 7,109 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 2,447 |
| Cost of funding earning assets | 1.2007% | 5,404 |
| Net interest margin | 4.3310% | 1,591 |
| Noninterest income to average assets | 0.2921% | 5,808 |
| Noninterest expense to average assets | 2.5760% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5668% | 799 |
| Return on assets (ROA) | 1.5668% | 855 |
| Pretax return on assets | 1.7394% | 986 |
| Return on Equity (ROE) | 11.3027% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.3027% | 864 |
| Net charge-offs to loans | 0.0632% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 632 |
| Efficiency ratio | 59.6923% | 6,227 |
| Assets per employee ($millions) | 2.8175% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,339 |
| Loan loss allowance to noncurrent loans | 655.5556% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 5,540 |
| Noncurrent loans to loans | 0.1875% | 6,965 |
| Net loans and leases to total assets | 61.1848% | 4,909 |
| Net loans and leases to deposits | 71.0039% | 5,200 |
| Net loans and leases to core deposits | 71.6775% | 5,748 |
| Total domestic deposits to total assets | 86.1711% | 3,048 |
| Equity capital to assets | 13.6450% | 1,271 |
| Core capital (leverage) ratio | 13.8342% | 996 |
| Tier 1 risk-based capital ratio | 19.1835% | 1,675 |
| Total risk-based capital ratio | 20.2576% | 1,686 |
| Memoranda: | ||
| Average total assets | $30,124,500 | 7,436 |
| Average earning assets | $27,984,500 | 7,392 |
| Average equity | $4,176,000 | 7,120 |
| Average total loans | $18,993,500 | 7,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8287% | 2,533 |
| Cost of funding earning assets | 1.3808% | 6,013 |
| Net interest margin | 4.4479% | 1,301 |
| Noninterest income to average assets | 0.3148% | 5,828 |
| Noninterest expense to average assets | 3.0676% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2732% | 1,088 |
| Return on assets (ROA) | 1.2732% | 1,147 |
| Pretax return on assets | 1.3711% | 1,498 |
| Return on Equity (ROE) | 9.3367% | 1,909 |
| Retained earnings to average equity (ytd only) | 5.4891% | 1,584 |
| Net charge-offs to loans | 0.4259% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 5.0256% | 2,713 |
| Efficiency ratio | 69.1095% | 4,803 |
| Assets per employee ($millions) | 2.6596% | 6,928 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 4,923 |
| Loan loss allowance to noncurrent loans | 197.5207% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 5,640 |
| Noncurrent loans to loans | 0.6440% | 5,951 |
| Net loans and leases to total assets | 63.4024% | 4,724 |
| Net loans and leases to deposits | 75.3198% | 4,837 |
| Net loans and leases to core deposits | 85.2632% | 5,594 |
| Total domestic deposits to total assets | 84.1776% | 3,952 |
| Equity capital to assets | 14.0928% | 1,139 |
| Core capital (leverage) ratio | 15.0147% | 789 |
| Tier 1 risk-based capital ratio | 19.1778% | 1,617 |
| Total risk-based capital ratio | 20.2968% | 1,609 |
| Memoranda: | ||
| Average total assets | $28,589,200 | 7,521 |
| Average earning assets | $26,506,600 | 7,482 |
| Average equity | $3,898,600 | 7,329 |
| Average total loans | $18,312,800 | 7,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7817% | 2,970 |
| Cost of funding earning assets | 1.4744% | 5,938 |
| Net interest margin | 4.3072% | 1,709 |
| Noninterest income to average assets | 0.3096% | 6,008 |
| Noninterest expense to average assets | 2.8099% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3510% | 1,119 |
| Return on assets (ROA) | 1.3510% | 1,185 |
| Pretax return on assets | 1.5011% | 1,415 |
| Return on Equity (ROE) | 9.9932% | 1,912 |
| Retained earnings to average equity (ytd only) | 8.2584% | 1,058 |
| Net charge-offs to loans | 0.4910% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.7762% | 3,011 |
| Efficiency ratio | 65.1795% | 5,519 |
| Assets per employee ($millions) | 2.7204% | 6,805 |
| Cash dividends to net income (ytd only)* | 17.3624% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,613 |
| Loan loss allowance to noncurrent loans | 78.6164% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 4,953 |
| Noncurrent loans to loans | 1.6292% | 4,198 |
| Net loans and leases to total assets | 64.3931% | 4,775 |
| Net loans and leases to deposits | 81.9365% | 4,032 |
| Net loans and leases to core deposits | 90.8615% | 5,351 |
| Total domestic deposits to total assets | 78.5891% | 5,933 |
| Equity capital to assets | 14.3597% | 1,185 |
| Core capital (leverage) ratio | 14.4339% | 972 |
| Tier 1 risk-based capital ratio | 17.8571% | 2,030 |
| Total risk-based capital ratio | 18.9407% | 2,022 |
| Memoranda: | ||
| Average total assets | $28,422,500 | 7,594 |
| Average earning assets | $26,404,500 | 7,556 |
| Average equity | $3,842,500 | 7,403 |
| Average total loans | $18,194,000 | 7,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 3,073 |
| Cost of funding earning assets | 1.5261% | 6,037 |
| Net interest margin | 4.2685% | 1,754 |
| Noninterest income to average assets | 0.3008% | 6,112 |
| Noninterest expense to average assets | 2.6932% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4111% | 1,007 |
| Return on assets (ROA) | 1.4111% | 1,071 |
| Pretax return on assets | 1.5543% | 1,317 |
| Return on Equity (ROE) | 10.6746% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.6746% | 616 |
| Net charge-offs to loans | 0.0225% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 354 |
| Efficiency ratio | 63.4064% | 6,023 |
| Assets per employee ($millions) | 2.3519% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 2,208 |
| Loan loss allowance to noncurrent loans | 81.1856% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 4,211 |
| Noncurrent loans to loans | 2.1435% | 3,320 |
| Net loans and leases to total assets | 63.0195% | 5,180 |
| Net loans and leases to deposits | 73.6724% | 5,502 |
| Net loans and leases to core deposits | 81.7597% | 6,263 |
| Total domestic deposits to total assets | 85.5402% | 2,998 |
| Equity capital to assets | 14.0630% | 1,290 |
| Core capital (leverage) ratio | 14.5658% | 1,008 |
| Tier 1 risk-based capital ratio | 20.9599% | 1,408 |
| Total risk-based capital ratio | 22.2137% | 1,376 |
| Memoranda: | ||
| Average total assets | $27,922,000 | 7,681 |
| Average earning assets | $25,817,000 | 7,649 |
| Average equity | $3,691,000 | 7,512 |
| Average total loans | $17,752,330 | 7,451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 3,807 |
| Cost of funding earning assets | 1.4877% | 6,440 |
| Net interest margin | 4.2126% | 1,851 |
| Noninterest income to average assets | 0.3025% | 6,018 |
| Noninterest expense to average assets | 2.5062% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5267% | 892 |
| Return on assets (ROA) | 1.5267% | 965 |
| Pretax return on assets | 1.6708% | 1,240 |
| Return on Equity (ROE) | 11.9369% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.9369% | 796 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 2.5265% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 1,832 |
| Loan loss allowance to noncurrent loans | 141.5179% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 5,160 |
| Noncurrent loans to loans | 1.2772% | 4,426 |
| Net loans and leases to total assets | 61.9661% | 5,333 |
| Net loans and leases to deposits | 72.0484% | 5,741 |
| Net loans and leases to core deposits | 82.5195% | 6,190 |
| Total domestic deposits to total assets | 86.0063% | 2,720 |
| Equity capital to assets | 13.7347% | 1,454 |
| Core capital (leverage) ratio | 14.4132% | 1,102 |
| Tier 1 risk-based capital ratio | 20.8240% | 1,476 |
| Total risk-based capital ratio | 22.0772% | 1,447 |
| Memoranda: | ||
| Average total assets | $27,771,500 | 7,739 |
| Average earning assets | $25,542,500 | 7,701 |
| Average equity | $3,552,000 | 7,605 |
| Average total loans | $17,578,000 | 7,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5781% | 2,591 |
| Cost of funding earning assets | 1.9837% | 6,464 |
| Net interest margin | 4.5944% | 1,196 |
| Noninterest income to average assets | 0.3703% | 5,737 |
| Noninterest expense to average assets | 2.9042% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4449% | 1,136 |
| Return on assets (ROA) | 1.4449% | 1,086 |
| Pretax return on assets | 1.6953% | 1,154 |
| Return on Equity (ROE) | 12.5465% | 1,431 |
| Retained earnings to average equity (ytd only) | 12.5465% | 191 |
| Net charge-offs to loans | -0.0058% | 7,795 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1413% | 5,752 |
| Assets per employee ($millions) | 2.5229% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 1,635 |
| Loan loss allowance to noncurrent loans | 1,056.6667% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 7,142 |
| Noncurrent loans to loans | 0.1703% | 6,879 |
| Net loans and leases to total assets | 62.3415% | 5,568 |
| Net loans and leases to deposits | 74.5733% | 5,782 |
| Net loans and leases to core deposits | 88.8370% | 5,905 |
| Total domestic deposits to total assets | 83.5976% | 3,535 |
| Equity capital to assets | 11.8442% | 2,390 |
| Core capital (leverage) ratio | 12.6723% | 1,675 |
| Tier 1 risk-based capital ratio | 17.5643% | 2,161 |
| Total risk-based capital ratio | 18.8192% | 2,097 |
| Memoranda: | ||
| Average total assets | $27,546,000 | 7,747 |
| Average earning assets | $25,357,000 | 7,719 |
| Average equity | $3,172,200 | 7,780 |
| Average total loans | $17,255,800 | 7,504 |