Home > The Howard State Bank, Howard, Kansas > Performance and Condition Ratios
The Howard State Bank, Howard, Kansas, Performance and Condition Ratios
| 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 | 4.1544% | 3,550 |
| Cost of funding earning assets | 0.6193% | 3,937 |
| Net interest margin | 3.5351% | 2,138 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.3941% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2025% | 1,792 |
| Return on assets (ROA) | 1.2486% | 1,646 |
| Pretax return on assets | 1.2965% | 2,055 |
| Return on Equity (ROE) | 27.9800% | 273 |
| Retained earnings to average equity (ytd only) | 18.0665% | 337 |
| Net charge-offs to loans | -0.0628% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.7240% | 2,306 |
| Assets per employee ($millions) | 3.8601% | 4,213 |
| Cash dividends to net income (ytd only)* | 35.4196% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 604 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 2,975 |
| Noncurrent loans to loans | 0.1717% | 2,676 |
| Net loans and leases to total assets | 51.8700% | 3,507 |
| Net loans and leases to deposits | 54.1714% | 3,783 |
| Net loans and leases to core deposits | 55.4680% | 3,881 |
| Total domestic deposits to total assets | 95.7400% | 88 |
| Equity capital to assets | 4.1465% | 4,387 |
| Core capital (leverage) ratio | 10.8023% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7805% | 1,139 |
| Memoranda: | ||
| Average total assets | $75,071,000 | 4,079 |
| Average earning assets | $71,472,250 | 4,037 |
| Average equity | $3,350,500 | 4,418 |
| Average total loans | $36,079,750 | 4,067 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,601 |
| Cost of funding earning assets | 0.5734% | 3,822 |
| Net interest margin | 3.4679% | 2,349 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2123% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3073% | 1,556 |
| Return on assets (ROA) | 1.2946% | 1,573 |
| Pretax return on assets | 1.3206% | 2,018 |
| Return on Equity (ROE) | 28.4000% | 254 |
| Retained earnings to average equity (ytd only) | 20.4163% | 238 |
| Net charge-offs to loans | -0.1951% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.3900% | 2,664 |
| Assets per employee ($millions) | 4.0279% | 4,169 |
| Cash dividends to net income (ytd only)* | 28.1124% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 646 |
| Loan loss allowance to noncurrent loans | 2,382.1429% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,395 |
| Noncurrent loans to loans | 0.0747% | 3,151 |
| Net loans and leases to total assets | 50.7900% | 3,502 |
| Net loans and leases to deposits | 53.8717% | 3,750 |
| Net loans and leases to core deposits | 55.1233% | 3,843 |
| Total domestic deposits to total assets | 94.2800% | 133 |
| Equity capital to assets | 5.1709% | 4,351 |
| Core capital (leverage) ratio | 10.1086% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3057% | 1,263 |
| Memoranda: | ||
| Average total assets | $76,934,333 | 4,077 |
| Average earning assets | $72,896,667 | 4,040 |
| Average equity | $3,507,000 | 4,437 |
| Average total loans | $35,878,000 | 4,086 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,432 |
| Cost of funding earning assets | 0.4156% | 3,922 |
| Net interest margin | 3.5966% | 2,141 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1731% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4248% | 1,338 |
| Return on assets (ROA) | 1.4150% | 1,338 |
| Pretax return on assets | 1.4555% | 1,756 |
| Return on Equity (ROE) | 33.0800% | 185 |
| Retained earnings to average equity (ytd only) | 33.0774% | 92 |
| Net charge-offs to loans | -0.3536% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.7222% | 2,991 |
| Assets per employee ($millions) | 4.2429% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 587 |
| Loan loss allowance to noncurrent loans | 1,614.6341% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,246 |
| Noncurrent loans to loans | 0.1152% | 2,943 |
| Net loans and leases to total assets | 45.7300% | 3,784 |
| Net loans and leases to deposits | 48.1345% | 3,957 |
| Net loans and leases to core deposits | 48.8420% | 4,026 |
| Total domestic deposits to total assets | 95.0000% | 89 |
| Equity capital to assets | 4.9389% | 4,427 |
| Core capital (leverage) ratio | 9.3796% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4917% | 1,261 |
| Memoranda: | ||
| Average total assets | $79,150,500 | 4,109 |
| Average earning assets | $75,070,000 | 4,068 |
| Average equity | $3,386,000 | 4,509 |
| Average total loans | $35,071,500 | 4,151 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 3,671 |
| Cost of funding earning assets | 0.1991% | 3,762 |
| Net interest margin | 3.0678% | 3,270 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.1169% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0136% | 2,514 |
| Return on assets (ROA) | 1.0018% | 2,504 |
| Pretax return on assets | 1.0437% | 2,932 |
| Return on Equity (ROE) | 20.5200% | 430 |
| Retained earnings to average equity (ytd only) | 10.9776% | 894 |
| Net charge-offs to loans | 0.0922% | 767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 30.6071% | 1,671 |
| Efficiency ratio | 66.7184% | 2,119 |
| Assets per employee ($millions) | 4.5516% | 4,000 |
| Cash dividends to net income (ytd only)* | 46.4945% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8288% | 623 |
| Loan loss allowance to noncurrent loans | 1,469.7674% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,278 |
| Noncurrent loans to loans | 0.1244% | 2,890 |
| Net loans and leases to total assets | 41.4100% | 4,010 |
| Net loans and leases to deposits | 42.9971% | 4,147 |
| Net loans and leases to core deposits | 43.5776% | 4,193 |
| Total domestic deposits to total assets | 96.3100% | 70 |
| Equity capital to assets | 3.6618% | 4,552 |
| Core capital (leverage) ratio | 9.0419% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9680% | 1,376 |
| Memoranda: | ||
| Average total assets | $81,157,000 | 4,117 |
| Average earning assets | $76,342,000 | 4,082 |
| Average equity | $3,962,600 | 4,536 |
| Average total loans | $30,353,000 | 4,235 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 3,624 |
| Cost of funding earning assets | 0.1913% | 3,381 |
| Net interest margin | 2.9306% | 3,409 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.0436% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9545% | 2,645 |
| Return on assets (ROA) | 0.9387% | 2,680 |
| Pretax return on assets | 0.9765% | 3,086 |
| Return on Equity (ROE) | 18.0800% | 633 |
| Retained earnings to average equity (ytd only) | 13.0372% | 609 |
| Net charge-offs to loans | 0.1183% | 530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 23.1923% | 1,658 |
| Efficiency ratio | 67.2993% | 2,117 |
| Assets per employee ($millions) | 4.4578% | 4,084 |
| Cash dividends to net income (ytd only)* | 27.8947% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 482 |
| Loan loss allowance to noncurrent loans | 7,912.5000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,886 |
| Noncurrent loans to loans | 0.0256% | 3,719 |
| Net loans and leases to total assets | 38.1300% | 4,145 |
| Net loans and leases to deposits | 39.1787% | 4,266 |
| Net loans and leases to core deposits | 39.5842% | 4,287 |
| Total domestic deposits to total assets | 97.3300% | 69 |
| Equity capital to assets | 2.6271% | 4,615 |
| Core capital (leverage) ratio | 8.7732% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8159% | 1,218 |
| Memoranda: | ||
| Average total assets | $80,964,250 | 4,148 |
| Average earning assets | $75,976,750 | 4,118 |
| Average equity | $4,203,250 | 4,561 |
| Average total loans | $29,301,750 | 4,278 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 3,712 |
| Cost of funding earning assets | 0.1759% | 3,232 |
| Net interest margin | 2.7576% | 3,555 |
| Noninterest income to average assets | 0.3202% | 3,257 |
| Noninterest expense to average assets | 2.1255% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7903% | 2,996 |
| Return on assets (ROA) | 0.7832% | 2,987 |
| Pretax return on assets | 0.8128% | 3,287 |
| Return on Equity (ROE) | 12.9752% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.8334% | 1,064 |
| Net charge-offs to loans | 0.1884% | 344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,709 |
| Efficiency ratio | 72.1572% | 1,721 |
| Assets per employee ($millions) | 4.2796% | 4,216 |
| Cash dividends to net income (ytd only)* | 24.2138% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0860% | 461 |
| Loan loss allowance to noncurrent loans | 119.2453% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 842 |
| Noncurrent loans to loans | 1.7493% | 386 |
| Net loans and leases to total assets | 36.4829% | 4,228 |
| Net loans and leases to deposits | 37.9775% | 4,337 |
| Net loans and leases to core deposits | 38.3705% | 4,376 |
| Total domestic deposits to total assets | 96.0645% | 83 |
| Equity capital to assets | 3.9072% | 4,636 |
| Core capital (leverage) ratio | 8.8392% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4661% | 1,309 |
| Memoranda: | ||
| Average total assets | $81,205,333 | 4,185 |
| Average earning assets | $77,312,667 | 4,153 |
| Average equity | $4,901,667 | 4,529 |
| Average total loans | $28,659,000 | 4,347 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8523% | 3,639 |
| Cost of funding earning assets | 0.1718% | 3,198 |
| Net interest margin | 2.6805% | 3,447 |
| Noninterest income to average assets | 0.3647% | 2,901 |
| Noninterest expense to average assets | 2.1244% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7592% | 2,815 |
| Return on assets (ROA) | 0.7640% | 2,789 |
| Pretax return on assets | 0.7837% | 3,157 |
| Return on Equity (ROE) | 10.7564% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.7564% | 830 |
| Net charge-offs to loans | 0.4310% | 160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.2667% | 1,609 |
| Efficiency ratio | 73.1749% | 1,837 |
| Assets per employee ($millions) | 4.1059% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2074% | 432 |
| Loan loss allowance to noncurrent loans | 120.2290% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 864 |
| Noncurrent loans to loans | 1.8360% | 412 |
| Net loans and leases to total assets | 35.7761% | 4,226 |
| Net loans and leases to deposits | 38.0142% | 4,323 |
| Net loans and leases to core deposits | 38.4329% | 4,357 |
| Total domestic deposits to total assets | 94.1125% | 104 |
| Equity capital to assets | 5.8644% | 4,609 |
| Core capital (leverage) ratio | 8.4568% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1820% | 1,220 |
| Memoranda: | ||
| Average total assets | $81,152,000 | 4,210 |
| Average earning assets | $76,850,500 | 4,174 |
| Average equity | $5,764,000 | 4,491 |
| Average total loans | $27,840,000 | 4,374 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 2,187 |
| Cost of funding earning assets | 0.1988% | 3,474 |
| Net interest margin | 3.4757% | 1,804 |
| Noninterest income to average assets | 0.2104% | 4,112 |
| Noninterest expense to average assets | 2.5000% | 2,182 |
| Loan and lease loss provision to assets | 0.1096% | 1,151 |
| Net operating income to assets | 0.8614% | 3,155 |
| Return on assets (ROA) | 0.8796% | 3,170 |
| Pretax return on assets | 0.9147% | 3,474 |
| Return on Equity (ROE) | 8.6542% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.1977% | 3,141 |
| Net charge-offs to loans | -0.1532% | 4,668 |
| Credit loss provision to net charge-offs | -187.5000% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3214% | 1,580 |
| Assets per employee ($millions) | 4.6828% | 3,981 |
| Cash dividends to net income (ytd only)* | 51.4950% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4318% | 308 |
| Loan loss allowance to noncurrent loans | 124.0602% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 965 |
| Noncurrent loans to loans | 1.9602% | 402 |
| Net loans and leases to total assets | 31.4150% | 4,469 |
| Net loans and leases to deposits | 34.2424% | 4,523 |
| Net loans and leases to core deposits | 34.6004% | 4,541 |
| Total domestic deposits to total assets | 91.7429% | 254 |
| Equity capital to assets | 8.2488% | 4,207 |
| Core capital (leverage) ratio | 9.8174% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3136% | 1,191 |
| Memoranda: | ||
| Average total assets | $68,439,000 | 4,352 |
| Average earning assets | $64,878,600 | 4,325 |
| Average equity | $6,956,200 | 4,426 |
| Average total loans | $26,112,400 | 4,455 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 1,303 |
| Cost of funding earning assets | 0.2163% | 3,455 |
| Net interest margin | 3.8843% | 967 |
| Noninterest income to average assets | 0.1985% | 4,206 |
| Noninterest expense to average assets | 2.5745% | 1,913 |
| Loan and lease loss provision to assets | 0.1241% | 943 |
| Net operating income to assets | 1.1694% | 2,278 |
| Return on assets (ROA) | 1.1932% | 2,250 |
| Pretax return on assets | 1.2387% | 2,808 |
| Return on Equity (ROE) | 11.0581% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.9603% | 2,838 |
| Net charge-offs to loans | -0.0309% | 4,145 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8034% | 2,126 |
| Assets per employee ($millions) | 3.5424% | 4,633 |
| Cash dividends to net income (ytd only)* | 46.1005% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4442% | 313 |
| Loan loss allowance to noncurrent loans | 7,625.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,679 |
| Noncurrent loans to loans | 0.0321% | 3,973 |
| Net loans and leases to total assets | 38.1830% | 4,291 |
| Net loans and leases to deposits | 42.9279% | 4,348 |
| Net loans and leases to core deposits | 43.5421% | 4,398 |
| Total domestic deposits to total assets | 88.9467% | 1,312 |
| Equity capital to assets | 10.9968% | 2,022 |
| Core capital (leverage) ratio | 10.2689% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9845% | 961 |
| Memoranda: | ||
| Average total assets | $64,476,000 | 4,459 |
| Average earning assets | $61,648,000 | 4,426 |
| Average equity | $6,957,000 | 4,491 |
| Average total loans | $25,855,500 | 4,516 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 721 |
| Cost of funding earning assets | 0.2252% | 3,513 |
| Net interest margin | 4.2762% | 512 |
| Noninterest income to average assets | 0.1483% | 4,454 |
| Noninterest expense to average assets | 2.4446% | 2,326 |
| Loan and lease loss provision to assets | 0.1391% | 872 |
| Net operating income to assets | 1.6322% | 981 |
| Return on assets (ROA) | 1.6504% | 1,004 |
| Pretax return on assets | 1.6905% | 1,503 |
| Return on Equity (ROE) | 15.3920% | 1,068 |
| Retained earnings to average equity (ytd only) | 11.8178% | 959 |
| Net charge-offs to loans | -0.0306% | 4,163 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4437% | 3,348 |
| Assets per employee ($millions) | 3.5515% | 4,652 |
| Cash dividends to net income (ytd only)* | 23.2210% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 493 |
| Loan loss allowance to noncurrent loans | 5,390.9091% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,751 |
| Noncurrent loans to loans | 0.0392% | 4,001 |
| Net loans and leases to total assets | 43.0131% | 4,114 |
| Net loans and leases to deposits | 48.4742% | 4,185 |
| Net loans and leases to core deposits | 49.1676% | 4,271 |
| Total domestic deposits to total assets | 88.7340% | 1,425 |
| Equity capital to assets | 11.1659% | 1,861 |
| Core capital (leverage) ratio | 10.3866% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9438% | 1,651 |
| Memoranda: | ||
| Average total assets | $64,713,333 | 4,482 |
| Average earning assets | $62,157,667 | 4,447 |
| Average equity | $6,938,667 | 4,513 |
| Average total loans | $26,155,000 | 4,546 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 950 |
| Cost of funding earning assets | 0.2551% | 3,427 |
| Net interest margin | 4.1071% | 713 |
| Noninterest income to average assets | 0.1597% | 4,399 |
| Noninterest expense to average assets | 2.3346% | 2,690 |
| Loan and lease loss provision to assets | 0.1843% | 667 |
| Net operating income to assets | 1.5298% | 1,264 |
| Return on assets (ROA) | 1.5298% | 1,328 |
| Pretax return on assets | 1.5974% | 1,735 |
| Return on Equity (ROE) | 14.5635% | 1,310 |
| Retained earnings to average equity (ytd only) | 14.5635% | 678 |
| Net charge-offs to loans | -0.0476% | 4,373 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7164% | 3,462 |
| Assets per employee ($millions) | 3.6911% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 425 |
| Loan loss allowance to noncurrent loans | 3,840.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,855 |
| Noncurrent loans to loans | 0.0571% | 3,998 |
| Net loans and leases to total assets | 38.6475% | 4,400 |
| Net loans and leases to deposits | 43.0851% | 4,459 |
| Net loans and leases to core deposits | 43.6713% | 4,507 |
| Total domestic deposits to total assets | 89.7003% | 966 |
| Equity capital to assets | 10.2410% | 2,487 |
| Core capital (leverage) ratio | 10.4406% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,106,500 | 4,495 |
| Average earning assets | $62,720,500 | 4,449 |
| Average equity | $6,839,000 | 4,540 |
| Average total loans | $25,187,500 | 4,589 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 3,720 |
| Cost of funding earning assets | 0.2799% | 4,248 |
| Net interest margin | 3.3600% | 2,900 |
| Noninterest income to average assets | 0.2845% | 3,781 |
| Noninterest expense to average assets | 2.5591% | 2,672 |
| Loan and lease loss provision to assets | 0.1756% | 2,189 |
| Net operating income to assets | 0.7419% | 3,288 |
| Return on assets (ROA) | 0.7588% | 3,367 |
| Pretax return on assets | 0.7939% | 3,635 |
| Return on Equity (ROE) | 6.4553% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.3173% | 3,168 |
| Net charge-offs to loans | 0.1278% | 1,233 |
| Credit loss provision to net charge-offs | 322.5806% | 1,662 |
| Earnings coverage of net charge-offs (x) | 17.4839% | 2,073 |
| Efficiency ratio | 72.8864% | 1,586 |
| Assets per employee ($millions) | 3.5430% | 4,634 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 370 |
| Loan loss allowance to noncurrent loans | 1,648.4848% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 3,789 |
| Noncurrent loans to loans | 0.1368% | 3,734 |
| Net loans and leases to total assets | 36.9712% | 4,565 |
| Net loans and leases to deposits | 41.4507% | 4,619 |
| Net loans and leases to core deposits | 42.0420% | 4,652 |
| Total domestic deposits to total assets | 89.1931% | 902 |
| Equity capital to assets | 10.7787% | 2,450 |
| Core capital (leverage) ratio | 11.0173% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8688% | 1,078 |
| Memoranda: | ||
| Average total assets | $56,934,600 | 4,553 |
| Average earning assets | $54,672,000 | 4,517 |
| Average equity | $6,692,200 | 4,563 |
| Average total loans | $24,257,200 | 4,633 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 3,346 |
| Cost of funding earning assets | 0.2929% | 4,343 |
| Net interest margin | 3.5799% | 2,338 |
| Noninterest income to average assets | 0.3066% | 3,654 |
| Noninterest expense to average assets | 2.6895% | 2,293 |
| Loan and lease loss provision to assets | 0.1684% | 2,317 |
| Net operating income to assets | 0.8314% | 2,978 |
| Return on assets (ROA) | 0.8474% | 3,043 |
| Pretax return on assets | 0.8885% | 3,407 |
| Return on Equity (ROE) | 7.0409% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.1924% | 2,950 |
| Net charge-offs to loans | 0.1811% | 825 |
| Credit loss provision to net charge-offs | 212.1212% | 2,065 |
| Earnings coverage of net charge-offs (x) | 13.0606% | 2,217 |
| Efficiency ratio | 72.1036% | 1,636 |
| Assets per employee ($millions) | 3.1154% | 4,807 |
| Cash dividends to net income (ytd only)* | 40.4558% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1687% | 369 |
| Loan loss allowance to noncurrent loans | 527.8351% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 3,287 |
| Noncurrent loans to loans | 0.4109% | 2,823 |
| Net loans and leases to total assets | 41.1873% | 4,527 |
| Net loans and leases to deposits | 46.9013% | 4,578 |
| Net loans and leases to core deposits | 47.6758% | 4,635 |
| Total domestic deposits to total assets | 87.8170% | 1,297 |
| Equity capital to assets | 12.1295% | 1,611 |
| Core capital (leverage) ratio | 11.2409% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,224,750 | 4,601 |
| Average earning assets | $52,812,250 | 4,560 |
| Average equity | $6,646,750 | 4,589 |
| Average total loans | $24,291,000 | 4,660 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 3,621 |
| Cost of funding earning assets | 0.3008% | 4,482 |
| Net interest margin | 3.5979% | 2,490 |
| Noninterest income to average assets | 0.3422% | 3,423 |
| Noninterest expense to average assets | 2.6028% | 2,657 |
| Loan and lease loss provision to assets | 0.1456% | 2,553 |
| Net operating income to assets | 0.9867% | 2,375 |
| Return on assets (ROA) | 0.9902% | 2,493 |
| Pretax return on assets | 1.0375% | 2,908 |
| Return on Equity (ROE) | 8.2487% | 2,648 |
| Retained earnings to average equity (ytd only) | 5.9439% | 2,104 |
| Net charge-offs to loans | 0.3589% | 445 |
| Credit loss provision to net charge-offs | 90.9091% | 2,458 |
| Earnings coverage of net charge-offs (x) | 7.3636% | 2,369 |
| Efficiency ratio | 68.8162% | 2,118 |
| Assets per employee ($millions) | 3.1402% | 4,811 |
| Cash dividends to net income (ytd only)* | 27.9412% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 506 |
| Loan loss allowance to noncurrent loans | 432.1101% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 3,305 |
| Noncurrent loans to loans | 0.4452% | 2,822 |
| Net loans and leases to total assets | 42.4828% | 4,516 |
| Net loans and leases to deposits | 48.3879% | 4,583 |
| Net loans and leases to core deposits | 49.1808% | 4,640 |
| Total domestic deposits to total assets | 87.7963% | 1,286 |
| Equity capital to assets | 12.1435% | 1,572 |
| Core capital (leverage) ratio | 11.5398% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,940,333 | 4,613 |
| Average earning assets | $52,530,667 | 4,580 |
| Average equity | $6,595,000 | 4,620 |
| Average total loans | $24,518,333 | 4,678 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,726 |
| Cost of funding earning assets | 0.3148% | 4,611 |
| Net interest margin | 3.7086% | 2,296 |
| Noninterest income to average assets | 0.2512% | 4,045 |
| Noninterest expense to average assets | 2.5190% | 3,220 |
| Loan and lease loss provision to assets | 0.1108% | 2,299 |
| Net operating income to assets | 1.1299% | 1,752 |
| Return on assets (ROA) | 1.1228% | 1,873 |
| Pretax return on assets | 1.1819% | 2,259 |
| Return on Equity (ROE) | 9.4110% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.4110% | 864 |
| Net charge-offs to loans | 0.0978% | 1,095 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,194 |
| Efficiency ratio | 65.9574% | 2,968 |
| Assets per employee ($millions) | 2.9837% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 535 |
| Loan loss allowance to noncurrent loans | 663.0137% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 3,633 |
| Noncurrent loans to loans | 0.2958% | 3,439 |
| Net loans and leases to total assets | 45.0425% | 4,468 |
| Net loans and leases to deposits | 51.4133% | 4,547 |
| Net loans and leases to core deposits | 52.3026% | 4,621 |
| Total domestic deposits to total assets | 87.6087% | 1,270 |
| Equity capital to assets | 12.3503% | 1,833 |
| Core capital (leverage) ratio | 11.8586% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,148,500 | 4,639 |
| Average earning assets | $52,095,000 | 4,598 |
| Average equity | $6,460,500 | 4,671 |
| Average total loans | $24,535,500 | 4,706 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 3,992 |
| Cost of funding earning assets | 0.3022% | 4,719 |
| Net interest margin | 3.8231% | 2,432 |
| Noninterest income to average assets | 0.4021% | 3,284 |
| Noninterest expense to average assets | 2.6357% | 3,073 |
| Loan and lease loss provision to assets | 0.0558% | 2,911 |
| Net operating income to assets | 1.2974% | 1,700 |
| Return on assets (ROA) | 1.2974% | 1,775 |
| Pretax return on assets | 1.3364% | 2,372 |
| Return on Equity (ROE) | 11.5550% | 1,668 |
| Retained earnings to average equity (ytd only) | 6.3163% | 1,710 |
| Net charge-offs to loans | 0.4888% | 386 |
| Credit loss provision to net charge-offs | 24.7934% | 3,302 |
| Earnings coverage of net charge-offs (x) | 6.1818% | 2,998 |
| Efficiency ratio | 65.4344% | 2,849 |
| Assets per employee ($millions) | 3.0328% | 4,813 |
| Cash dividends to net income (ytd only)* | 45.3372% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 502 |
| Loan loss allowance to noncurrent loans | 593.7500% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,577 |
| Noncurrent loans to loans | 0.3279% | 3,262 |
| Net loans and leases to total assets | 43.8194% | 4,608 |
| Net loans and leases to deposits | 49.5484% | 4,699 |
| Net loans and leases to core deposits | 50.3833% | 4,751 |
| Total domestic deposits to total assets | 88.4374% | 920 |
| Equity capital to assets | 11.5186% | 2,516 |
| Core capital (leverage) ratio | 11.7918% | 1,900 |
| Tier 1 risk-based capital ratio | 20.9587% | 1,175 |
| Total risk-based capital ratio | 22.2118% | 1,144 |
| Memoranda: | ||
| Average total assets | $53,724,600 | 4,686 |
| Average earning assets | $50,953,400 | 4,656 |
| Average equity | $6,032,000 | 4,750 |
| Average total loans | $24,755,400 | 4,757 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 3,952 |
| Cost of funding earning assets | 0.3079% | 4,780 |
| Net interest margin | 3.8762% | 2,341 |
| Noninterest income to average assets | 0.3015% | 3,931 |
| Noninterest expense to average assets | 2.6089% | 3,143 |
| Loan and lease loss provision to assets | 0.0374% | 3,150 |
| Net operating income to assets | 1.2932% | 1,886 |
| Return on assets (ROA) | 1.2932% | 1,974 |
| Pretax return on assets | 1.3256% | 2,583 |
| Return on Equity (ROE) | 11.5948% | 1,762 |
| Retained earnings to average equity (ytd only) | 7.8417% | 1,474 |
| Net charge-offs to loans | 0.6440% | 249 |
| Credit loss provision to net charge-offs | 12.5000% | 2,995 |
| Earnings coverage of net charge-offs (x) | 4.5583% | 2,996 |
| Efficiency ratio | 65.6838% | 2,772 |
| Assets per employee ($millions) | 2.9935% | 4,897 |
| Cash dividends to net income (ytd only)* | 32.3694% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 525 |
| Loan loss allowance to noncurrent loans | 258.9888% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 3,106 |
| Noncurrent loans to loans | 0.7471% | 2,094 |
| Net loans and leases to total assets | 45.9108% | 4,602 |
| Net loans and leases to deposits | 52.4021% | 4,692 |
| Net loans and leases to core deposits | 53.3595% | 4,765 |
| Total domestic deposits to total assets | 87.6125% | 1,211 |
| Equity capital to assets | 12.3109% | 2,036 |
| Core capital (leverage) ratio | 11.6695% | 2,103 |
| Tier 1 risk-based capital ratio | 21.7591% | 1,101 |
| Total risk-based capital ratio | 23.0120% | 1,071 |
| Memoranda: | ||
| Average total assets | $53,508,250 | 4,758 |
| Average earning assets | $50,667,000 | 4,733 |
| Average equity | $5,968,000 | 4,821 |
| Average total loans | $24,845,250 | 4,826 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 4,055 |
| Cost of funding earning assets | 0.3065% | 4,810 |
| Net interest margin | 3.8404% | 2,433 |
| Noninterest income to average assets | 0.3016% | 3,914 |
| Noninterest expense to average assets | 2.6848% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2394% | 2,009 |
| Return on assets (ROA) | 1.2394% | 2,060 |
| Pretax return on assets | 1.2578% | 2,717 |
| Return on Equity (ROE) | 11.4841% | 1,795 |
| Retained earnings to average equity (ytd only) | 8.6216% | 1,159 |
| Net charge-offs to loans | 0.6829% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.9767% | 2,779 |
| Efficiency ratio | 68.0970% | 2,520 |
| Assets per employee ($millions) | 2.9144% | 4,957 |
| Cash dividends to net income (ytd only)* | 24.9258% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 589 |
| Loan loss allowance to noncurrent loans | 200.8368% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,634 |
| Noncurrent loans to loans | 0.9342% | 1,749 |
| Net loans and leases to total assets | 47.8526% | 4,577 |
| Net loans and leases to deposits | 54.2533% | 4,673 |
| Net loans and leases to core deposits | 55.2078% | 4,739 |
| Total domestic deposits to total assets | 88.2022% | 1,008 |
| Equity capital to assets | 11.7368% | 2,401 |
| Core capital (leverage) ratio | 10.9442% | 2,648 |
| Tier 1 risk-based capital ratio | 20.7448% | 1,209 |
| Total risk-based capital ratio | 21.9980% | 1,188 |
| Memoranda: | ||
| Average total assets | $54,381,000 | 4,780 |
| Average earning assets | $51,556,670 | 4,750 |
| Average equity | $5,869,000 | 4,867 |
| Average total loans | $25,185,330 | 4,852 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 4,200 |
| Cost of funding earning assets | 0.3045% | 4,828 |
| Net interest margin | 3.7683% | 2,637 |
| Noninterest income to average assets | 0.2891% | 3,940 |
| Noninterest expense to average assets | 2.5875% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2287% | 1,953 |
| Return on assets (ROA) | 1.2287% | 2,002 |
| Pretax return on assets | 1.2793% | 2,533 |
| Return on Equity (ROE) | 11.8777% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.8777% | 631 |
| Net charge-offs to loans | 0.1121% | 1,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 25.2857% | 1,430 |
| Efficiency ratio | 66.9159% | 2,809 |
| Assets per employee ($millions) | 3.0058% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3167% | 298 |
| Loan loss allowance to noncurrent loans | 154.4199% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 2,094 |
| Noncurrent loans to loans | 1.5003% | 1,074 |
| Net loans and leases to total assets | 43.5634% | 4,761 |
| Net loans and leases to deposits | 49.0000% | 4,850 |
| Net loans and leases to core deposits | 49.8288% | 4,897 |
| Total domestic deposits to total assets | 88.9049% | 903 |
| Equity capital to assets | 11.0286% | 2,823 |
| Core capital (leverage) ratio | 10.7297% | 2,821 |
| Tier 1 risk-based capital ratio | 20.3039% | 1,283 |
| Total risk-based capital ratio | 21.5620% | 1,251 |
| Memoranda: | ||
| Average total assets | $55,342,000 | 4,817 |
| Average earning assets | $52,543,500 | 4,786 |
| Average equity | $5,725,000 | 4,927 |
| Average total loans | $24,986,500 | 4,903 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 4,441 |
| Cost of funding earning assets | 0.2719% | 4,700 |
| Net interest margin | 3.5489% | 3,547 |
| Noninterest income to average assets | 0.3460% | 3,799 |
| Noninterest expense to average assets | 2.7227% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9449% | 3,261 |
| Return on assets (ROA) | 0.9449% | 3,255 |
| Pretax return on assets | 0.9982% | 3,609 |
| Return on Equity (ROE) | 9.2589% | 2,850 |
| Retained earnings to average equity (ytd only) | 4.6388% | 2,968 |
| Net charge-offs to loans | 0.0873% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,789 |
| Efficiency ratio | 73.1732% | 1,737 |
| Assets per employee ($millions) | 3.1433% | 4,891 |
| Cash dividends to net income (ytd only)* | 49.8994% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1901% | 335 |
| Loan loss allowance to noncurrent loans | 176.8750% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,344 |
| Noncurrent loans to loans | 1.2382% | 1,287 |
| Net loans and leases to total assets | 44.6774% | 4,794 |
| Net loans and leases to deposits | 49.4977% | 4,900 |
| Net loans and leases to core deposits | 50.2855% | 4,936 |
| Total domestic deposits to total assets | 90.2614% | 396 |
| Equity capital to assets | 9.6909% | 3,963 |
| Core capital (leverage) ratio | 10.8496% | 2,678 |
| Tier 1 risk-based capital ratio | 18.1906% | 1,701 |
| Total risk-based capital ratio | 19.4447% | 1,648 |
| Memoranda: | ||
| Average total assets | $52,595,600 | 4,892 |
| Average earning assets | $50,015,200 | 4,855 |
| Average equity | $5,367,800 | 4,992 |
| Average total loans | $24,045,400 | 4,969 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 4,383 |
| Cost of funding earning assets | 0.2806% | 4,628 |
| Net interest margin | 3.5421% | 3,549 |
| Noninterest income to average assets | 0.3566% | 3,747 |
| Noninterest expense to average assets | 2.6718% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9845% | 3,153 |
| Return on assets (ROA) | 0.9845% | 3,161 |
| Pretax return on assets | 1.0439% | 3,593 |
| Return on Equity (ROE) | 9.5147% | 2,839 |
| Retained earnings to average equity (ytd only) | 6.1684% | 2,568 |
| Net charge-offs to loans | 0.1187% | 1,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.2375% | 2,018 |
| Efficiency ratio | 71.9054% | 1,894 |
| Assets per employee ($millions) | 2.8189% | 5,147 |
| Cash dividends to net income (ytd only)* | 35.1700% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4300% | 263 |
| Loan loss allowance to noncurrent loans | 164.0580% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 2,160 |
| Noncurrent loans to loans | 1.4812% | 1,100 |
| Net loans and leases to total assets | 44.7882% | 4,851 |
| Net loans and leases to deposits | 50.1467% | 4,949 |
| Net loans and leases to core deposits | 51.0479% | 4,993 |
| Total domestic deposits to total assets | 89.3144% | 728 |
| Equity capital to assets | 10.6048% | 3,040 |
| Core capital (leverage) ratio | 11.3304% | 2,306 |
| Tier 1 risk-based capital ratio | 19.8315% | 1,368 |
| Total risk-based capital ratio | 21.0899% | 1,332 |
| Memoranda: | ||
| Average total assets | $51,599,750 | 4,960 |
| Average earning assets | $48,933,750 | 4,932 |
| Average equity | $5,339,000 | 5,054 |
| Average total loans | $23,595,750 | 5,042 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 4,389 |
| Cost of funding earning assets | 0.2827% | 4,547 |
| Net interest margin | 3.4976% | 3,633 |
| Noninterest income to average assets | 0.3431% | 3,883 |
| Noninterest expense to average assets | 2.5826% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0330% | 2,882 |
| Return on assets (ROA) | 1.0330% | 2,879 |
| Pretax return on assets | 1.0986% | 3,323 |
| Return on Equity (ROE) | 10.0657% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.5493% | 1,820 |
| Net charge-offs to loans | -0.0422% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1571% | 2,285 |
| Assets per employee ($millions) | 2.8807% | 5,176 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5293% | 237 |
| Loan loss allowance to noncurrent loans | 160.4336% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 1,976 |
| Noncurrent loans to loans | 1.5765% | 1,034 |
| Net loans and leases to total assets | 46.5858% | 4,791 |
| Net loans and leases to deposits | 53.2515% | 4,868 |
| Net loans and leases to core deposits | 54.2648% | 4,926 |
| Total domestic deposits to total assets | 87.4826% | 1,655 |
| Equity capital to assets | 10.9695% | 2,664 |
| Core capital (leverage) ratio | 10.9959% | 2,530 |
| Tier 1 risk-based capital ratio | 20.1677% | 1,294 |
| Total risk-based capital ratio | 21.4255% | 1,266 |
| Memoranda: | ||
| Average total assets | $51,886,000 | 5,016 |
| Average earning assets | $49,519,330 | 4,976 |
| Average equity | $5,325,000 | 5,110 |
| Average total loans | $23,697,000 | 5,097 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 4,436 |
| Cost of funding earning assets | 0.2912% | 4,408 |
| Net interest margin | 3.4231% | 3,807 |
| Noninterest income to average assets | 0.3299% | 3,945 |
| Noninterest expense to average assets | 2.4895% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0123% | 2,810 |
| Return on assets (ROA) | 1.0123% | 2,833 |
| Pretax return on assets | 1.1023% | 3,167 |
| Return on Equity (ROE) | 10.1858% | 2,339 |
| Retained earnings to average equity (ytd only) | 10.1858% | 1,107 |
| Net charge-offs to loans | -0.0168% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3111% | 2,615 |
| Assets per employee ($millions) | 3.0156% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 257 |
| Loan loss allowance to noncurrent loans | 203.4602% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,638 |
| Noncurrent loans to loans | 1.2187% | 1,488 |
| Net loans and leases to total assets | 45.1098% | 4,844 |
| Net loans and leases to deposits | 50.3604% | 4,945 |
| Net loans and leases to core deposits | 51.2533% | 5,004 |
| Total domestic deposits to total assets | 89.5740% | 846 |
| Equity capital to assets | 10.3753% | 3,191 |
| Core capital (leverage) ratio | 10.2495% | 3,241 |
| Tier 1 risk-based capital ratio | 20.8571% | 1,223 |
| Total risk-based capital ratio | 22.1167% | 1,199 |
| Memoranda: | ||
| Average total assets | $53,343,000 | 5,049 |
| Average earning assets | $50,831,500 | 5,011 |
| Average equity | $5,301,500 | 5,166 |
| Average total loans | $23,842,500 | 5,150 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 4,728 |
| Cost of funding earning assets | 0.3245% | 3,917 |
| Net interest margin | 3.2093% | 4,424 |
| Noninterest income to average assets | 0.3333% | 4,083 |
| Noninterest expense to average assets | 2.6832% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6741% | 3,713 |
| Return on assets (ROA) | 0.6741% | 3,764 |
| Pretax return on assets | 0.7025% | 4,504 |
| Return on Equity (ROE) | 6.6599% | 3,447 |
| Retained earnings to average equity (ytd only) | 2.9371% | 3,547 |
| Net charge-offs to loans | 0.0174% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 92.7500% | 681 |
| Efficiency ratio | 78.9709% | 1,226 |
| Assets per employee ($millions) | 3.2600% | 4,980 |
| Cash dividends to net income (ytd only)* | 55.8989% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4488% | 263 |
| Loan loss allowance to noncurrent loans | 204.5296% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,828 |
| Noncurrent loans to loans | 1.1973% | 1,485 |
| Net loans and leases to total assets | 42.1942% | 5,058 |
| Net loans and leases to deposits | 46.6644% | 5,174 |
| Net loans and leases to core deposits | 47.4215% | 5,211 |
| Total domestic deposits to total assets | 90.4204% | 423 |
| Equity capital to assets | 9.5345% | 4,206 |
| Core capital (leverage) ratio | 10.3793% | 2,987 |
| Tier 1 risk-based capital ratio | 20.0830% | 1,302 |
| Total risk-based capital ratio | 21.3424% | 1,257 |
| Memoranda: | ||
| Average total assets | $52,809,600 | 5,103 |
| Average earning assets | $50,229,600 | 5,057 |
| Average equity | $5,345,400 | 5,214 |
| Average total loans | $22,954,400 | 5,226 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 4,620 |
| Cost of funding earning assets | 0.3199% | 3,932 |
| Net interest margin | 3.2554% | 4,309 |
| Noninterest income to average assets | 0.3579% | 3,966 |
| Noninterest expense to average assets | 2.5742% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8487% | 3,275 |
| Return on assets (ROA) | 0.8487% | 3,327 |
| Pretax return on assets | 0.8794% | 4,105 |
| Return on Equity (ROE) | 8.2574% | 2,990 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,509 |
| Net charge-offs to loans | 0.0235% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 86.0525% | 772 |
| Efficiency ratio | 74.1673% | 1,868 |
| Assets per employee ($millions) | 3.0507% | 5,217 |
| Cash dividends to net income (ytd only)* | 32.8311% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5563% | 249 |
| Loan loss allowance to noncurrent loans | 373.8854% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,859 |
| Noncurrent loans to loans | 0.6837% | 2,657 |
| Net loans and leases to total assets | 43.1453% | 5,071 |
| Net loans and leases to deposits | 48.2533% | 5,180 |
| Net loans and leases to core deposits | 49.1003% | 5,230 |
| Total domestic deposits to total assets | 89.4142% | 694 |
| Equity capital to assets | 10.5164% | 3,357 |
| Core capital (leverage) ratio | 10.5647% | 2,917 |
| Tier 1 risk-based capital ratio | 21.3559% | 1,136 |
| Total risk-based capital ratio | 22.6161% | 1,115 |
| Memoranda: | ||
| Average total assets | $52,157,000 | 5,176 |
| Average earning assets | $49,598,000 | 5,130 |
| Average equity | $5,360,750 | 5,267 |
| Average total loans | $22,700,250 | 5,288 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,657 |
| Cost of funding earning assets | 0.3057% | 4,027 |
| Net interest margin | 3.2341% | 4,314 |
| Noninterest income to average assets | 0.3253% | 4,221 |
| Noninterest expense to average assets | 2.5414% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8420% | 3,196 |
| Return on assets (ROA) | 0.8420% | 3,240 |
| Pretax return on assets | 0.8612% | 4,072 |
| Return on Equity (ROE) | 8.2557% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.3419% | 1,940 |
| Net charge-offs to loans | -0.0088% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1282% | 1,985 |
| Assets per employee ($millions) | 3.1593% | 5,137 |
| Cash dividends to net income (ytd only)* | 23.1818% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 250 |
| Loan loss allowance to noncurrent loans | 413.9860% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,916 |
| Noncurrent loans to loans | 0.6312% | 2,836 |
| Net loans and leases to total assets | 43.6448% | 5,061 |
| Net loans and leases to deposits | 48.9256% | 5,178 |
| Net loans and leases to core deposits | 49.8092% | 5,231 |
| Total domestic deposits to total assets | 89.2065% | 856 |
| Equity capital to assets | 10.7361% | 3,096 |
| Core capital (leverage) ratio | 10.4530% | 2,974 |
| Tier 1 risk-based capital ratio | 21.4181% | 1,126 |
| Total risk-based capital ratio | 22.6786% | 1,103 |
| Memoranda: | ||
| Average total assets | $52,255,330 | 5,207 |
| Average earning assets | $49,720,670 | 5,163 |
| Average equity | $5,329,670 | 5,308 |
| Average total loans | $22,612,670 | 5,334 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,696 |
| Cost of funding earning assets | 0.2776% | 4,275 |
| Net interest margin | 3.2207% | 4,277 |
| Noninterest income to average assets | 0.3013% | 4,406 |
| Noninterest expense to average assets | 2.5533% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7682% | 3,378 |
| Return on assets (ROA) | 0.7682% | 3,434 |
| Pretax return on assets | 0.8059% | 4,091 |
| Return on Equity (ROE) | 7.7258% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.7258% | 1,564 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0090% | 1,902 |
| Assets per employee ($millions) | 3.0601% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6188% | 275 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 3,606 |
| Noncurrent loans to loans | 0.8729% | 2,287 |
| Net loans and leases to total assets | 42.2464% | 5,146 |
| Net loans and leases to deposits | 47.1064% | 5,259 |
| Net loans and leases to core deposits | 47.9282% | 5,303 |
| Total domestic deposits to total assets | 89.6830% | 805 |
| Equity capital to assets | 10.2689% | 3,448 |
| Core capital (leverage) ratio | 9.9745% | 3,532 |
| Tier 1 risk-based capital ratio | 21.2555% | 1,183 |
| Total risk-based capital ratio | 22.5190% | 1,166 |
| Memoranda: | ||
| Average total assets | $53,108,500 | 5,244 |
| Average earning assets | $50,423,500 | 5,200 |
| Average equity | $5,281,000 | 5,363 |
| Average total loans | $22,592,000 | 5,389 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 4,658 |
| Cost of funding earning assets | 0.2334% | 4,710 |
| Net interest margin | 3.3088% | 4,112 |
| Noninterest income to average assets | 0.3671% | 4,119 |
| Noninterest expense to average assets | 2.6816% | 3,402 |
| Loan and lease loss provision to assets | 0.0095% | 4,180 |
| Net operating income to assets | 0.8121% | 3,249 |
| Return on assets (ROA) | 0.8121% | 3,359 |
| Pretax return on assets | 0.8311% | 4,087 |
| Return on Equity (ROE) | 8.1754% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.0207% | 3,057 |
| Net charge-offs to loans | 0.0931% | 2,379 |
| Credit loss provision to net charge-offs | 25.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | 22.1000% | 1,748 |
| Efficiency ratio | 76.0259% | 1,976 |
| Assets per employee ($millions) | 3.1880% | 5,162 |
| Cash dividends to net income (ytd only)* | 50.8197% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 274 |
| Loan loss allowance to noncurrent loans | 591.0000% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 4,513 |
| Noncurrent loans to loans | 0.4422% | 3,560 |
| Net loans and leases to total assets | 40.6395% | 5,289 |
| Net loans and leases to deposits | 45.0096% | 5,403 |
| Net loans and leases to core deposits | 45.7577% | 5,442 |
| Total domestic deposits to total assets | 90.2908% | 521 |
| Equity capital to assets | 9.6317% | 4,139 |
| Core capital (leverage) ratio | 10.2489% | 3,172 |
| Tier 1 risk-based capital ratio | 20.5754% | 1,279 |
| Total risk-based capital ratio | 21.8381% | 1,248 |
| Memoranda: | ||
| Average total assets | $52,581,000 | 5,296 |
| Average earning assets | $50,139,000 | 5,247 |
| Average equity | $5,223,000 | 5,427 |
| Average total loans | $21,482,400 | 5,466 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 4,887 |
| Cost of funding earning assets | 0.2353% | 4,748 |
| Net interest margin | 3.2384% | 4,379 |
| Noninterest income to average assets | 0.3859% | 4,020 |
| Noninterest expense to average assets | 2.6729% | 3,419 |
| Loan and lease loss provision to assets | 0.0128% | 3,994 |
| Net operating income to assets | 0.7819% | 3,444 |
| Return on assets (ROA) | 0.7819% | 3,589 |
| Pretax return on assets | 0.7947% | 4,325 |
| Return on Equity (ROE) | 7.8103% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.0536% | 2,789 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6520% | 1,884 |
| Assets per employee ($millions) | 2.9398% | 5,437 |
| Cash dividends to net income (ytd only)* | 35.2950% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9518% | 201 |
| Loan loss allowance to noncurrent loans | 1,053.4483% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 4,403 |
| Noncurrent loans to loans | 0.2802% | 4,261 |
| Net loans and leases to total assets | 40.1945% | 5,366 |
| Net loans and leases to deposits | 45.0454% | 5,485 |
| Net loans and leases to core deposits | 45.8682% | 5,517 |
| Total domestic deposits to total assets | 89.2310% | 783 |
| Equity capital to assets | 10.6489% | 3,409 |
| Core capital (leverage) ratio | 10.0918% | 3,451 |
| Tier 1 risk-based capital ratio | 22.5791% | 1,057 |
| Total risk-based capital ratio | 23.8422% | 1,039 |
| Memoranda: | ||
| Average total assets | $52,177,250 | 5,358 |
| Average earning assets | $49,858,500 | 5,302 |
| Average equity | $5,223,750 | 5,483 |
| Average total loans | $21,199,000 | 5,528 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 4,961 |
| Cost of funding earning assets | 0.2382% | 4,772 |
| Net interest margin | 3.2232% | 4,476 |
| Noninterest income to average assets | 0.3893% | 3,958 |
| Noninterest expense to average assets | 2.6044% | 3,709 |
| Loan and lease loss provision to assets | 0.0189% | 3,759 |
| Net operating income to assets | 0.8316% | 3,167 |
| Return on assets (ROA) | 0.8316% | 3,302 |
| Pretax return on assets | 0.8354% | 4,172 |
| Return on Equity (ROE) | 8.4762% | 2,758 |
| Retained earnings to average equity (ytd only) | 6.7424% | 1,742 |
| Net charge-offs to loans | 0.0094% | 3,383 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 289 |
| Efficiency ratio | 75.0820% | 2,211 |
| Assets per employee ($millions) | 3.0298% | 5,392 |
| Cash dividends to net income (ytd only)* | 20.4545% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8103% | 250 |
| Loan loss allowance to noncurrent loans | 1,129.6296% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,515 |
| Noncurrent loans to loans | 0.2488% | 4,460 |
| Net loans and leases to total assets | 40.9575% | 5,380 |
| Net loans and leases to deposits | 45.7544% | 5,505 |
| Net loans and leases to core deposits | 46.9771% | 5,533 |
| Total domestic deposits to total assets | 89.5160% | 673 |
| Equity capital to assets | 10.3733% | 3,767 |
| Core capital (leverage) ratio | 9.7583% | 3,859 |
| Tier 1 risk-based capital ratio | 21.5325% | 1,195 |
| Total risk-based capital ratio | 22.7964% | 1,175 |
| Memoranda: | ||
| Average total assets | $52,910,670 | 5,405 |
| Average earning assets | $50,384,670 | 5,345 |
| Average equity | $5,191,000 | 5,550 |
| Average total loans | $21,365,670 | 5,583 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 5,158 |
| Cost of funding earning assets | 0.2351% | 4,856 |
| Net interest margin | 3.1500% | 4,727 |
| Noninterest income to average assets | 0.3880% | 3,917 |
| Noninterest expense to average assets | 2.6412% | 3,606 |
| Loan and lease loss provision to assets | 0.0373% | 3,163 |
| Net operating income to assets | 0.6789% | 3,823 |
| Return on assets (ROA) | 0.6789% | 3,943 |
| Pretax return on assets | 0.7088% | 4,496 |
| Return on Equity (ROE) | 7.1163% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.1163% | 1,835 |
| Net charge-offs to loans | -0.1321% | 5,736 |
| Credit loss provision to net charge-offs | -71.4286% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9736% | 1,901 |
| Assets per employee ($millions) | 3.0648% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9077% | 245 |
| Loan loss allowance to noncurrent loans | 219.1489% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 2,852 |
| Noncurrent loans to loans | 1.3268% | 1,799 |
| Net loans and leases to total assets | 39.6077% | 5,471 |
| Net loans and leases to deposits | 44.0479% | 5,590 |
| Net loans and leases to core deposits | 45.2058% | 5,620 |
| Total domestic deposits to total assets | 89.9196% | 635 |
| Equity capital to assets | 9.9710% | 4,115 |
| Core capital (leverage) ratio | 9.4446% | 4,289 |
| Tier 1 risk-based capital ratio | 21.5588% | 1,223 |
| Total risk-based capital ratio | 22.8232% | 1,202 |
| Memoranda: | ||
| Average total assets | $53,612,500 | 5,435 |
| Average earning assets | $51,048,000 | 5,383 |
| Average equity | $5,115,000 | 5,606 |
| Average total loans | $21,195,500 | 5,639 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2316% | 5,468 |
| Cost of funding earning assets | 0.1499% | 5,683 |
| Net interest margin | 3.0818% | 4,945 |
| Noninterest income to average assets | 0.4232% | 3,867 |
| Noninterest expense to average assets | 2.4432% | 4,402 |
| Loan and lease loss provision to assets | 0.1085% | 2,182 |
| Net operating income to assets | 0.7378% | 3,633 |
| Return on assets (ROA) | 0.7378% | 3,729 |
| Pretax return on assets | 0.7722% | 4,288 |
| Return on Equity (ROE) | 8.2974% | 2,799 |
| Retained earnings to average equity (ytd only) | 5.4096% | 2,136 |
| Net charge-offs to loans | 0.2621% | 1,150 |
| Credit loss provision to net charge-offs | 105.2632% | 2,385 |
| Earnings coverage of net charge-offs (x) | 8.5439% | 2,932 |
| Efficiency ratio | 72.3069% | 2,855 |
| Assets per employee ($millions) | 3.2426% | 5,241 |
| Cash dividends to net income (ytd only)* | 34.8039% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8670% | 266 |
| Loan loss allowance to noncurrent loans | 253.5565% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 3,879 |
| Noncurrent loans to loans | 1.1307% | 2,078 |
| Net loans and leases to total assets | 37.2451% | 5,657 |
| Net loans and leases to deposits | 41.0300% | 5,740 |
| Net loans and leases to core deposits | 42.0381% | 5,764 |
| Total domestic deposits to total assets | 90.7753% | 344 |
| Equity capital to assets | 9.1340% | 4,983 |
| Core capital (leverage) ratio | 9.3627% | 4,379 |
| Tier 1 risk-based capital ratio | 21.0060% | 1,300 |
| Total risk-based capital ratio | 22.2688% | 1,274 |
| Memoranda: | ||
| Average total assets | $55,296,400 | 5,425 |
| Average earning assets | $52,048,000 | 5,386 |
| Average equity | $4,917,200 | 5,671 |
| Average total loans | $21,750,800 | 5,655 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 5,507 |
| Cost of funding earning assets | 0.1464% | 5,808 |
| Net interest margin | 3.1045% | 4,954 |
| Noninterest income to average assets | 0.4385% | 3,811 |
| Noninterest expense to average assets | 2.7081% | 3,535 |
| Loan and lease loss provision to assets | 0.1084% | 2,070 |
| Net operating income to assets | 0.5108% | 4,748 |
| Return on assets (ROA) | 0.5108% | 4,838 |
| Pretax return on assets | 0.5349% | 5,137 |
| Return on Equity (ROE) | 5.7830% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.3007% | 4,122 |
| Net charge-offs to loans | 0.2374% | 1,108 |
| Credit loss provision to net charge-offs | 115.3846% | 2,050 |
| Earnings coverage of net charge-offs (x) | 6.8460% | 2,990 |
| Efficiency ratio | 79.6549% | 1,713 |
| Assets per employee ($millions) | 3.1879% | 5,316 |
| Cash dividends to net income (ytd only)* | 42.9244% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9563% | 259 |
| Loan loss allowance to noncurrent loans | 68.1208% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 1,329 |
| Noncurrent loans to loans | 4.3398% | 265 |
| Net loans and leases to total assets | 36.8872% | 5,754 |
| Net loans and leases to deposits | 40.6544% | 5,846 |
| Net loans and leases to core deposits | 41.6714% | 5,860 |
| Total domestic deposits to total assets | 90.7335% | 332 |
| Equity capital to assets | 9.1355% | 5,175 |
| Core capital (leverage) ratio | 9.0117% | 4,985 |
| Tier 1 risk-based capital ratio | 20.2576% | 1,493 |
| Total risk-based capital ratio | 21.5206% | 1,459 |
| Memoranda: | ||
| Average total assets | $55,339,500 | 5,496 |
| Average earning assets | $51,924,000 | 5,462 |
| Average equity | $4,887,750 | 5,752 |
| Average total loans | $21,904,250 | 5,722 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2591% | 5,516 |
| Cost of funding earning assets | 0.1452% | 5,886 |
| Net interest margin | 3.1139% | 4,937 |
| Noninterest income to average assets | 0.4666% | 3,584 |
| Noninterest expense to average assets | 2.5951% | 3,924 |
| Loan and lease loss provision to assets | 0.1077% | 2,029 |
| Net operating income to assets | 0.6568% | 4,095 |
| Return on assets (ROA) | 0.6568% | 4,199 |
| Pretax return on assets | 0.6891% | 4,691 |
| Return on Equity (ROE) | 7.5205% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.3836% | 2,612 |
| Net charge-offs to loans | 0.1253% | 1,752 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 15.8571% | 1,944 |
| Efficiency ratio | 75.6614% | 2,417 |
| Assets per employee ($millions) | 3.1602% | 5,397 |
| Cash dividends to net income (ytd only)* | 28.4153% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7564% | 351 |
| Loan loss allowance to noncurrent loans | 68.7014% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 1,422 |
| Noncurrent loans to loans | 4.0121% | 383 |
| Net loans and leases to total assets | 40.6485% | 5,593 |
| Net loans and leases to deposits | 44.7830% | 5,734 |
| Net loans and leases to core deposits | 45.9129% | 5,770 |
| Total domestic deposits to total assets | 90.7676% | 367 |
| Equity capital to assets | 9.1281% | 5,113 |
| Core capital (leverage) ratio | 8.8267% | 5,192 |
| Tier 1 risk-based capital ratio | 19.1400% | 1,763 |
| Total risk-based capital ratio | 20.4029% | 1,729 |
| Memoranda: | ||
| Average total assets | $55,721,000 | 5,544 |
| Average earning assets | $52,345,330 | 5,504 |
| Average equity | $4,866,670 | 5,810 |
| Average total loans | $22,339,000 | 5,764 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 5,414 |
| Cost of funding earning assets | 0.1431% | 5,981 |
| Net interest margin | 3.1713% | 4,709 |
| Noninterest income to average assets | 0.3949% | 4,048 |
| Noninterest expense to average assets | 2.4824% | 4,317 |
| Loan and lease loss provision to assets | 0.1058% | 1,937 |
| Net operating income to assets | 0.7405% | 3,591 |
| Return on assets (ROA) | 0.7405% | 3,719 |
| Pretax return on assets | 0.7757% | 4,330 |
| Return on Equity (ROE) | 8.6634% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.6634% | 1,319 |
| Net charge-offs to loans | 0.0718% | 2,004 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 1,125 |
| Efficiency ratio | 73.5849% | 2,882 |
| Assets per employee ($millions) | 3.3357% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7515% | 386 |
| Loan loss allowance to noncurrent loans | 529.3103% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 5,137 |
| Noncurrent loans to loans | 0.5198% | 4,016 |
| Net loans and leases to total assets | 38.2686% | 5,711 |
| Net loans and leases to deposits | 41.9586% | 5,833 |
| Net loans and leases to core deposits | 42.5343% | 5,890 |
| Total domestic deposits to total assets | 91.2057% | 293 |
| Equity capital to assets | 8.7044% | 5,570 |
| Core capital (leverage) ratio | 8.5871% | 5,436 |
| Tier 1 risk-based capital ratio | 19.7421% | 1,682 |
| Total risk-based capital ratio | 21.0071% | 1,640 |
| Memoranda: | ||
| Average total assets | $56,719,500 | 5,578 |
| Average earning assets | $53,101,500 | 5,535 |
| Average equity | $4,848,000 | 5,870 |
| Average total loans | $22,280,000 | 5,813 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4557% | 5,424 |
| Cost of funding earning assets | 0.1562% | 6,062 |
| Net interest margin | 3.2995% | 4,568 |
| Noninterest income to average assets | 0.4746% | 3,676 |
| Noninterest expense to average assets | 2.7680% | 3,602 |
| Loan and lease loss provision to assets | 0.0875% | 2,721 |
| Net operating income to assets | 0.6575% | 4,102 |
| Return on assets (ROA) | 0.6575% | 4,203 |
| Pretax return on assets | 0.7003% | 4,630 |
| Return on Equity (ROE) | 7.1964% | 3,518 |
| Retained earnings to average equity (ytd only) | 3.7898% | 3,524 |
| Net charge-offs to loans | 0.0874% | 3,239 |
| Credit loss provision to net charge-offs | 236.8421% | 1,069 |
| Earnings coverage of net charge-offs (x) | 21.3158% | 1,682 |
| Efficiency ratio | 76.0941% | 2,495 |
| Assets per employee ($millions) | 3.3372% | 5,205 |
| Cash dividends to net income (ytd only)* | 47.3373% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7062% | 421 |
| Loan loss allowance to noncurrent loans | 320.2128% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 4,723 |
| Noncurrent loans to loans | 0.8451% | 3,201 |
| Net loans and leases to total assets | 38.1495% | 5,838 |
| Net loans and leases to deposits | 41.6805% | 5,976 |
| Net loans and leases to core deposits | 42.2500% | 6,029 |
| Total domestic deposits to total assets | 91.5286% | 219 |
| Equity capital to assets | 8.3903% | 5,837 |
| Core capital (leverage) ratio | 9.0911% | 4,837 |
| Tier 1 risk-based capital ratio | 19.1463% | 1,803 |
| Total risk-based capital ratio | 20.4106% | 1,766 |
| Memoranda: | ||
| Average total assets | $51,409,600 | 5,758 |
| Average earning assets | $48,007,600 | 5,721 |
| Average equity | $4,696,800 | 5,926 |
| Average total loans | $21,729,000 | 5,890 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 5,366 |
| Cost of funding earning assets | 0.1597% | 6,123 |
| Net interest margin | 3.3533% | 4,419 |
| Noninterest income to average assets | 0.4899% | 3,611 |
| Noninterest expense to average assets | 2.8115% | 3,418 |
| Loan and lease loss provision to assets | 0.0799% | 2,750 |
| Net operating income to assets | 0.6816% | 4,032 |
| Return on assets (ROA) | 0.6816% | 4,122 |
| Pretax return on assets | 0.7295% | 4,593 |
| Return on Equity (ROE) | 7.2916% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.7851% | 3,223 |
| Net charge-offs to loans | 0.0494% | 3,510 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 37.9869% | 1,171 |
| Efficiency ratio | 75.8824% | 2,509 |
| Assets per employee ($millions) | 3.0278% | 5,699 |
| Cash dividends to net income (ytd only)* | 34.3754% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8514% | 419 |
| Loan loss allowance to noncurrent loans | 605.0505% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,444 |
| Noncurrent loans to loans | 0.4713% | 4,492 |
| Net loans and leases to total assets | 39.6480% | 5,837 |
| Net loans and leases to deposits | 43.7630% | 5,980 |
| Net loans and leases to core deposits | 44.4299% | 6,021 |
| Total domestic deposits to total assets | 90.5970% | 491 |
| Equity capital to assets | 9.2825% | 5,052 |
| Core capital (leverage) ratio | 9.2948% | 4,644 |
| Tier 1 risk-based capital ratio | 20.4293% | 1,570 |
| Total risk-based capital ratio | 21.6963% | 1,529 |
| Memoranda: | ||
| Average total assets | $50,079,000 | 5,851 |
| Average earning assets | $46,758,500 | 5,821 |
| Average equity | $4,681,000 | 5,995 |
| Average total loans | $21,600,000 | 5,965 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 5,338 |
| Cost of funding earning assets | 0.1609% | 6,190 |
| Net interest margin | 3.3712% | 4,309 |
| Noninterest income to average assets | 0.4999% | 3,487 |
| Noninterest expense to average assets | 2.9709% | 2,937 |
| Loan and lease loss provision to assets | 0.0605% | 3,061 |
| Net operating income to assets | 0.5442% | 4,628 |
| Return on assets (ROA) | 0.5442% | 4,725 |
| Pretax return on assets | 0.5926% | 4,976 |
| Return on Equity (ROE) | 5.8081% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.8616% | 3,044 |
| Net charge-offs to loans | 0.0092% | 4,089 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 384 |
| Efficiency ratio | 80.2002% | 1,993 |
| Assets per employee ($millions) | 2.8784% | 5,913 |
| Cash dividends to net income (ytd only)* | 16.2963% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5815% | 634 |
| Loan loss allowance to noncurrent loans | 509.4828% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 5,389 |
| Noncurrent loans to loans | 0.5067% | 4,479 |
| Net loans and leases to total assets | 45.5786% | 5,406 |
| Net loans and leases to deposits | 50.5450% | 5,598 |
| Net loans and leases to core deposits | 51.9581% | 5,666 |
| Total domestic deposits to total assets | 90.1743% | 722 |
| Equity capital to assets | 9.6888% | 4,508 |
| Core capital (leverage) ratio | 9.3942% | 4,477 |
| Tier 1 risk-based capital ratio | 18.4070% | 2,101 |
| Total risk-based capital ratio | 19.6715% | 2,055 |
| Memoranda: | ||
| Average total assets | $49,614,330 | 5,916 |
| Average earning assets | $45,977,330 | 5,890 |
| Average equity | $4,648,670 | 6,042 |
| Average total loans | $21,797,670 | 6,005 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 5,584 |
| Cost of funding earning assets | 0.1654% | 6,261 |
| Net interest margin | 3.2642% | 4,689 |
| Noninterest income to average assets | 0.5125% | 3,313 |
| Noninterest expense to average assets | 3.0588% | 2,661 |
| Loan and lease loss provision to assets | 0.1201% | 1,992 |
| Net operating income to assets | 0.2642% | 5,617 |
| Return on assets (ROA) | 0.2642% | 5,660 |
| Pretax return on assets | 0.3363% | 5,630 |
| Return on Equity (ROE) | 2.8680% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.8680% | 4,375 |
| Net charge-offs to loans | 0.0565% | 2,597 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,392 |
| Efficiency ratio | 85.1936% | 1,520 |
| Assets per employee ($millions) | 2.9204% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6939% | 631 |
| Loan loss allowance to noncurrent loans | 669.3182% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 5,697 |
| Noncurrent loans to loans | 0.4025% | 4,928 |
| Net loans and leases to total assets | 42.8534% | 5,599 |
| Net loans and leases to deposits | 47.3156% | 5,772 |
| Net loans and leases to core deposits | 48.1727% | 5,868 |
| Total domestic deposits to total assets | 90.5692% | 760 |
| Equity capital to assets | 9.3220% | 4,735 |
| Core capital (leverage) ratio | 9.0747% | 4,902 |
| Tier 1 risk-based capital ratio | 19.0935% | 1,938 |
| Total risk-based capital ratio | 20.3591% | 1,898 |
| Memoranda: | ||
| Average total assets | $49,955,000 | 5,964 |
| Average earning assets | $45,953,500 | 5,940 |
| Average equity | $4,602,500 | 6,099 |
| Average total loans | $21,249,500 | 6,083 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 5,536 |
| Cost of funding earning assets | 0.2221% | 6,163 |
| Net interest margin | 3.3272% | 4,569 |
| Noninterest income to average assets | 0.6087% | 3,031 |
| Noninterest expense to average assets | 2.7475% | 3,919 |
| Loan and lease loss provision to assets | 0.1251% | 2,750 |
| Net operating income to assets | 0.8046% | 3,270 |
| Return on assets (ROA) | 0.8046% | 3,367 |
| Pretax return on assets | 0.8276% | 4,041 |
| Return on Equity (ROE) | 8.4107% | 2,820 |
| Retained earnings to average equity (ytd only) | 2.8544% | 4,215 |
| Net charge-offs to loans | 0.1286% | 3,527 |
| Credit loss provision to net charge-offs | 222.2222% | 1,028 |
| Earnings coverage of net charge-offs (x) | 16.9259% | 1,758 |
| Efficiency ratio | 72.9014% | 3,305 |
| Assets per employee ($millions) | 2.9567% | 5,901 |
| Cash dividends to net income (ytd only)* | 66.0622% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7962% | 606 |
| Loan loss allowance to noncurrent loans | 1,254.3478% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,069 |
| Noncurrent loans to loans | 0.2229% | 5,521 |
| Net loans and leases to total assets | 39.9053% | 5,973 |
| Net loans and leases to deposits | 43.9521% | 6,125 |
| Net loans and leases to core deposits | 44.7364% | 6,195 |
| Total domestic deposits to total assets | 90.7926% | 661 |
| Equity capital to assets | 9.1059% | 4,917 |
| Core capital (leverage) ratio | 9.5293% | 4,219 |
| Tier 1 risk-based capital ratio | 20.3852% | 1,565 |
| Total risk-based capital ratio | 21.6511% | 1,531 |
| Memoranda: | ||
| Average total assets | $47,971,600 | 6,072 |
| Average earning assets | $44,571,600 | 6,034 |
| Average equity | $4,589,400 | 6,175 |
| Average total loans | $21,001,600 | 6,150 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 5,486 |
| Cost of funding earning assets | 0.2347% | 6,191 |
| Net interest margin | 3.3493% | 4,469 |
| Noninterest income to average assets | 0.6329% | 2,972 |
| Noninterest expense to average assets | 2.6948% | 4,035 |
| Loan and lease loss provision to assets | 0.1266% | 2,712 |
| Net operating income to assets | 0.9198% | 2,736 |
| Return on assets (ROA) | 0.9198% | 2,841 |
| Pretax return on assets | 0.9424% | 3,716 |
| Return on Equity (ROE) | 9.4935% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.2838% | 2,882 |
| Net charge-offs to loans | 0.0885% | 3,685 |
| Credit loss provision to net charge-offs | 321.4286% | 796 |
| Earnings coverage of net charge-offs (x) | 27.1371% | 1,323 |
| Efficiency ratio | 70.4036% | 3,690 |
| Assets per employee ($millions) | 2.7454% | 6,222 |
| Cash dividends to net income (ytd only)* | 44.3428% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8078% | 668 |
| Loan loss allowance to noncurrent loans | 798.6111% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,978 |
| Noncurrent loans to loans | 0.3516% | 5,329 |
| Net loans and leases to total assets | 42.6475% | 5,848 |
| Net loans and leases to deposits | 47.4074% | 6,003 |
| Net loans and leases to core deposits | 48.3283% | 6,105 |
| Total domestic deposits to total assets | 89.9595% | 1,020 |
| Equity capital to assets | 9.8927% | 4,065 |
| Core capital (leverage) ratio | 9.6498% | 4,172 |
| Tier 1 risk-based capital ratio | 20.8358% | 1,524 |
| Total risk-based capital ratio | 22.1037% | 1,495 |
| Memoranda: | ||
| Average total assets | $47,398,500 | 6,152 |
| Average earning assets | $44,306,000 | 6,115 |
| Average equity | $4,592,500 | 6,254 |
| Average total loans | $21,093,250 | 6,209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 5,590 |
| Cost of funding earning assets | 0.2509% | 6,167 |
| Net interest margin | 3.2974% | 4,593 |
| Noninterest income to average assets | 0.6087% | 3,142 |
| Noninterest expense to average assets | 2.6028% | 4,376 |
| Loan and lease loss provision to assets | 0.1259% | 2,749 |
| Net operating income to assets | 0.9404% | 2,617 |
| Return on assets (ROA) | 0.9404% | 2,761 |
| Pretax return on assets | 0.9698% | 3,636 |
| Return on Equity (ROE) | 9.7724% | 2,287 |
| Retained earnings to average equity (ytd only) | 6.7185% | 2,026 |
| Net charge-offs to loans | 0.0939% | 3,424 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 26.1000% | 1,249 |
| Efficiency ratio | 69.3530% | 3,951 |
| Assets per employee ($millions) | 2.7295% | 6,254 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5661% | 914 |
| Loan loss allowance to noncurrent loans | 173.5385% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 4,472 |
| Noncurrent loans to loans | 1.4787% | 3,089 |
| Net loans and leases to total assets | 46.1510% | 5,516 |
| Net loans and leases to deposits | 51.2100% | 5,754 |
| Net loans and leases to core deposits | 52.2088% | 5,872 |
| Total domestic deposits to total assets | 90.1211% | 962 |
| Equity capital to assets | 9.7237% | 4,265 |
| Core capital (leverage) ratio | 9.5048% | 4,240 |
| Tier 1 risk-based capital ratio | 19.3546% | 1,893 |
| Total risk-based capital ratio | 20.6103% | 1,862 |
| Memoranda: | ||
| Average total assets | $47,641,000 | 6,192 |
| Average earning assets | $44,640,670 | 6,149 |
| Average equity | $4,584,330 | 6,306 |
| Average total loans | $21,298,000 | 6,243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4945% | 5,717 |
| Cost of funding earning assets | 0.2674% | 6,177 |
| Net interest margin | 3.2271% | 4,814 |
| Noninterest income to average assets | 0.6050% | 3,107 |
| Noninterest expense to average assets | 2.5528% | 4,559 |
| Loan and lease loss provision to assets | 0.1243% | 2,681 |
| Net operating income to assets | 0.9034% | 2,642 |
| Return on assets (ROA) | 0.9034% | 2,786 |
| Pretax return on assets | 0.9283% | 3,656 |
| Return on Equity (ROE) | 9.4362% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.4362% | 1,260 |
| Net charge-offs to loans | -0.0191% | 5,689 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5747% | 3,880 |
| Assets per employee ($millions) | 2.8662% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 976 |
| Loan loss allowance to noncurrent loans | 152.1739% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 4,485 |
| Noncurrent loans to loans | 1.7358% | 2,948 |
| Net loans and leases to total assets | 42.3602% | 5,820 |
| Net loans and leases to deposits | 46.9166% | 5,996 |
| Net loans and leases to core deposits | 47.7855% | 6,104 |
| Total domestic deposits to total assets | 90.2884% | 886 |
| Equity capital to assets | 9.5741% | 4,746 |
| Core capital (leverage) ratio | 9.1178% | 4,694 |
| Tier 1 risk-based capital ratio | 19.6911% | 1,851 |
| Total risk-based capital ratio | 20.9576% | 1,822 |
| Memoranda: | ||
| Average total assets | $48,260,500 | 6,232 |
| Average earning assets | $44,870,000 | 6,192 |
| Average equity | $4,620,500 | 6,360 |
| Average total loans | $20,957,500 | 6,313 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 5,590 |
| Cost of funding earning assets | 0.2958% | 6,477 |
| Net interest margin | 3.5971% | 4,096 |
| Noninterest income to average assets | 0.7554% | 2,466 |
| Noninterest expense to average assets | 2.6964% | 4,409 |
| Loan and lease loss provision to assets | 0.0659% | 4,933 |
| Net operating income to assets | 1.2867% | 1,345 |
| Return on assets (ROA) | 1.2867% | 1,493 |
| Pretax return on assets | 1.3307% | 2,288 |
| Return on Equity (ROE) | 12.6632% | 1,319 |
| Retained earnings to average equity (ytd only) | 0.4538% | 5,626 |
| Net charge-offs to loans | 0.1442% | 4,249 |
| Credit loss provision to net charge-offs | 96.7742% | 3,212 |
| Earnings coverage of net charge-offs (x) | 20.5161% | 1,350 |
| Efficiency ratio | 64.4850% | 4,802 |
| Assets per employee ($millions) | 2.8115% | 6,299 |
| Cash dividends to net income (ytd only)* | 96.4164% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6261% | 996 |
| Loan loss allowance to noncurrent loans | 680.0000% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 6,141 |
| Noncurrent loans to loans | 0.3862% | 5,527 |
| Net loans and leases to total assets | 42.2023% | 5,987 |
| Net loans and leases to deposits | 46.7332% | 6,200 |
| Net loans and leases to core deposits | 47.6158% | 6,291 |
| Total domestic deposits to total assets | 90.3046% | 800 |
| Equity capital to assets | 9.5740% | 4,787 |
| Core capital (leverage) ratio | 9.3683% | 4,305 |
| Tier 1 risk-based capital ratio | 19.5853% | 1,791 |
| Total risk-based capital ratio | 20.8493% | 1,753 |
| Memoranda: | ||
| Average total assets | $45,541,400 | 6,339 |
| Average earning assets | $42,256,400 | 6,299 |
| Average equity | $4,627,600 | 6,405 |
| Average total loans | $21,494,400 | 6,361 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 5,626 |
| Cost of funding earning assets | 0.2997% | 6,615 |
| Net interest margin | 3.6635% | 3,954 |
| Noninterest income to average assets | 0.9012% | 1,823 |
| Noninterest expense to average assets | 2.7450% | 4,193 |
| Loan and lease loss provision to assets | 0.0445% | 5,215 |
| Net operating income to assets | 1.4673% | 1,079 |
| Return on assets (ROA) | 1.4673% | 1,208 |
| Pretax return on assets | 1.5178% | 1,814 |
| Return on Equity (ROE) | 14.2222% | 1,066 |
| Retained earnings to average equity (ytd only) | 1.3216% | 5,644 |
| Net charge-offs to loans | 0.1844% | 3,640 |
| Credit loss provision to net charge-offs | 50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 17.5663% | 1,616 |
| Efficiency ratio | 62.5602% | 5,063 |
| Assets per employee ($millions) | 2.7755% | 6,385 |
| Cash dividends to net income (ytd only)* | 90.7073% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5645% | 1,122 |
| Loan loss allowance to noncurrent loans | 2,304.3478% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 6,633 |
| Noncurrent loans to loans | 0.1113% | 6,337 |
| Net loans and leases to total assets | 42.6776% | 6,068 |
| Net loans and leases to deposits | 47.3856% | 6,293 |
| Net loans and leases to core deposits | 47.7225% | 6,435 |
| Total domestic deposits to total assets | 90.0644% | 814 |
| Equity capital to assets | 9.7533% | 4,846 |
| Core capital (leverage) ratio | 9.4188% | 4,395 |
| Tier 1 risk-based capital ratio | 19.9516% | 1,772 |
| Total risk-based capital ratio | 21.2157% | 1,745 |
| Memoranda: | ||
| Average total assets | $44,977,750 | 6,425 |
| Average earning assets | $41,817,000 | 6,386 |
| Average equity | $4,640,500 | 6,475 |
| Average total loans | $21,689,250 | 6,437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 5,345 |
| Cost of funding earning assets | 0.3069% | 6,711 |
| Net interest margin | 3.7850% | 3,434 |
| Noninterest income to average assets | 0.9086% | 1,755 |
| Noninterest expense to average assets | 2.5767% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7811% | 585 |
| Return on assets (ROA) | 1.7811% | 655 |
| Pretax return on assets | 1.8444% | 951 |
| Return on Equity (ROE) | 16.9341% | 645 |
| Retained earnings to average equity (ytd only) | 3.1375% | 4,538 |
| Net charge-offs to loans | 0.2814% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.1613% | 1,814 |
| Efficiency ratio | 57.2597% | 5,962 |
| Assets per employee ($millions) | 2.6008% | 6,652 |
| Cash dividends to net income (ytd only)* | 81.4721% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3031% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,903.7037% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,659 |
| Noncurrent loans to loans | 0.1210% | 6,362 |
| Net loans and leases to total assets | 49.3158% | 5,443 |
| Net loans and leases to deposits | 55.1846% | 5,745 |
| Net loans and leases to core deposits | 55.6068% | 5,972 |
| Total domestic deposits to total assets | 89.3651% | 1,295 |
| Equity capital to assets | 10.4494% | 3,753 |
| Core capital (leverage) ratio | 9.8061% | 3,710 |
| Tier 1 risk-based capital ratio | 17.9624% | 2,302 |
| Total risk-based capital ratio | 19.2226% | 2,271 |
| Memoranda: | ||
| Average total assets | $44,242,330 | 6,482 |
| Average earning assets | $41,057,330 | 6,444 |
| Average equity | $4,653,330 | 6,500 |
| Average total loans | $22,030,000 | 6,463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 5,377 |
| Cost of funding earning assets | 0.3148% | 6,797 |
| Net interest margin | 3.8071% | 3,363 |
| Noninterest income to average assets | 1.2653% | 887 |
| Noninterest expense to average assets | 2.9103% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7805% | 621 |
| Return on assets (ROA) | 1.7805% | 697 |
| Pretax return on assets | 1.8528% | 968 |
| Return on Equity (ROE) | 16.8737% | 690 |
| Retained earnings to average equity (ytd only) | 16.8737% | 313 |
| Net charge-offs to loans | 0.0183% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 176 |
| Efficiency ratio | 60.7211% | 5,502 |
| Assets per employee ($millions) | 2.5866% | 6,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3985% | 1,508 |
| Loan loss allowance to noncurrent loans | 54,500.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,952 |
| Noncurrent loans to loans | 0.0044% | 6,793 |
| Net loans and leases to total assets | 50.4355% | 5,247 |
| Net loans and leases to deposits | 56.6517% | 5,531 |
| Net loans and leases to core deposits | 57.0892% | 5,809 |
| Total domestic deposits to total assets | 89.0274% | 1,681 |
| Equity capital to assets | 10.7975% | 3,153 |
| Core capital (leverage) ratio | 10.2822% | 3,016 |
| Tier 1 risk-based capital ratio | 18.1602% | 2,233 |
| Total risk-based capital ratio | 19.4214% | 2,206 |
| Memoranda: | ||
| Average total assets | $44,257,000 | 6,530 |
| Average earning assets | $40,661,000 | 6,500 |
| Average equity | $4,670,000 | 6,525 |
| Average total loans | $21,886,000 | 6,521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 5,802 |
| Cost of funding earning assets | 0.4288% | 6,804 |
| Net interest margin | 3.8570% | 3,531 |
| Noninterest income to average assets | 0.5833% | 3,270 |
| Noninterest expense to average assets | 3.0521% | 3,379 |
| Loan and lease loss provision to assets | 0.1952% | 4,231 |
| Net operating income to assets | 0.8865% | 2,660 |
| Return on assets (ROA) | 0.8865% | 2,791 |
| Pretax return on assets | 0.9301% | 3,513 |
| Return on Equity (ROE) | 8.5561% | 2,651 |
| Retained earnings to average equity (ytd only) | 3.2141% | 3,932 |
| Net charge-offs to loans | 0.0174% | 6,198 |
| Credit loss provision to net charge-offs | 2,125.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 269 |
| Efficiency ratio | 71.3579% | 3,723 |
| Assets per employee ($millions) | 2.6201% | 6,699 |
| Cash dividends to net income (ytd only)* | 62.4352% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5939% | 1,203 |
| Loan loss allowance to noncurrent loans | 3,412.5000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 6,696 |
| Noncurrent loans to loans | 0.0760% | 6,624 |
| Net loans and leases to total assets | 46.0317% | 6,008 |
| Net loans and leases to deposits | 51.4479% | 6,260 |
| Net loans and leases to core deposits | 51.8381% | 6,437 |
| Total domestic deposits to total assets | 89.4726% | 1,279 |
| Equity capital to assets | 10.3096% | 3,774 |
| Core capital (leverage) ratio | 9.8040% | 3,601 |
| Tier 1 risk-based capital ratio | 18.6380% | 2,011 |
| Total risk-based capital ratio | 19.9033% | 1,972 |
| Memoranda: | ||
| Average total assets | $43,544,400 | 6,553 |
| Average earning assets | $40,576,000 | 6,508 |
| Average equity | $4,511,400 | 6,590 |
| Average total loans | $23,042,600 | 6,509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 5,590 |
| Cost of funding earning assets | 0.4618% | 6,848 |
| Net interest margin | 3.9419% | 3,183 |
| Noninterest income to average assets | 0.5944% | 3,207 |
| Noninterest expense to average assets | 3.0180% | 3,491 |
| Loan and lease loss provision to assets | 0.2310% | 3,707 |
| Net operating income to assets | 0.9731% | 2,421 |
| Return on assets (ROA) | 0.9731% | 2,589 |
| Pretax return on assets | 1.0255% | 3,310 |
| Return on Equity (ROE) | 9.3809% | 2,436 |
| Retained earnings to average equity (ytd only) | 5.0467% | 3,142 |
| Net charge-offs to loans | 0.0226% | 5,831 |
| Credit loss provision to net charge-offs | 1,875.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 102.0619% | 357 |
| Efficiency ratio | 69.0202% | 4,123 |
| Assets per employee ($millions) | 2.5891% | 6,794 |
| Cash dividends to net income (ytd only)* | 46.2024% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5978% | 1,268 |
| Loan loss allowance to noncurrent loans | 4,872.7273% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 6,820 |
| Noncurrent loans to loans | 0.0533% | 6,800 |
| Net loans and leases to total assets | 45.6605% | 6,173 |
| Net loans and leases to deposits | 51.1647% | 6,432 |
| Net loans and leases to core deposits | 51.5585% | 6,592 |
| Total domestic deposits to total assets | 89.2421% | 1,286 |
| Equity capital to assets | 10.4898% | 3,719 |
| Core capital (leverage) ratio | 9.9226% | 3,543 |
| Tier 1 risk-based capital ratio | 19.6410% | 1,775 |
| Total risk-based capital ratio | 20.9057% | 1,742 |
| Memoranda: | ||
| Average total assets | $43,295,250 | 6,617 |
| Average earning assets | $40,419,250 | 6,567 |
| Average equity | $4,491,250 | 6,643 |
| Average total loans | $23,541,000 | 6,556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 5,189 |
| Cost of funding earning assets | 0.5028% | 6,836 |
| Net interest margin | 4.0427% | 2,641 |
| Noninterest income to average assets | 0.5481% | 3,485 |
| Noninterest expense to average assets | 3.0008% | 3,639 |
| Loan and lease loss provision to assets | 0.2090% | 3,826 |
| Net operating income to assets | 1.0452% | 2,052 |
| Return on assets (ROA) | 1.0452% | 2,151 |
| Pretax return on assets | 1.1102% | 2,812 |
| Return on Equity (ROE) | 10.1139% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.5517% | 1,637 |
| Net charge-offs to loans | 0.0245% | 5,488 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 94.6667% | 377 |
| Efficiency ratio | 67.8495% | 4,542 |
| Assets per employee ($millions) | 2.4866% | 6,923 |
| Cash dividends to net income (ytd only)* | 25.3333% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 2,303 |
| Loan loss allowance to noncurrent loans | 10,140.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 6,885 |
| Noncurrent loans to loans | 0.0200% | 6,947 |
| Net loans and leases to total assets | 58.0739% | 4,609 |
| Net loans and leases to deposits | 65.3472% | 5,093 |
| Net loans and leases to core deposits | 66.4079% | 5,456 |
| Total domestic deposits to total assets | 88.8697% | 1,618 |
| Equity capital to assets | 10.8535% | 3,127 |
| Core capital (leverage) ratio | 10.0649% | 3,183 |
| Tier 1 risk-based capital ratio | 16.2350% | 2,867 |
| Total risk-based capital ratio | 17.4925% | 2,831 |
| Memoranda: | ||
| Average total assets | $43,055,670 | 6,676 |
| Average earning assets | $40,171,330 | 6,633 |
| Average equity | $4,449,330 | 6,697 |
| Average total loans | $24,510,330 | 6,561 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3864% | 5,740 |
| Cost of funding earning assets | 0.5409% | 6,827 |
| Net interest margin | 3.8454% | 3,393 |
| Noninterest income to average assets | 0.4603% | 4,182 |
| Noninterest expense to average assets | 3.0750% | 3,358 |
| Loan and lease loss provision to assets | 0.1381% | 4,283 |
| Net operating income to assets | 0.8102% | 2,979 |
| Return on assets (ROA) | 0.8102% | 3,044 |
| Pretax return on assets | 0.8470% | 3,713 |
| Return on Equity (ROE) | 8.0365% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.0365% | 1,715 |
| Net charge-offs to loans | 0.0330% | 4,635 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 548 |
| Efficiency ratio | 73.9229% | 3,524 |
| Assets per employee ($millions) | 2.5332% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 2,597 |
| Loan loss allowance to noncurrent loans | 6,828.5714% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 6,941 |
| Noncurrent loans to loans | 0.0283% | 6,988 |
| Net loans and leases to total assets | 56.4124% | 4,926 |
| Net loans and leases to deposits | 63.0816% | 5,372 |
| Net loans and leases to core deposits | 64.0800% | 5,717 |
| Total domestic deposits to total assets | 89.4276% | 1,514 |
| Equity capital to assets | 10.2868% | 3,429 |
| Core capital (leverage) ratio | 9.7068% | 3,511 |
| Tier 1 risk-based capital ratio | 16.0980% | 2,858 |
| Total risk-based capital ratio | 17.3556% | 2,829 |
| Memoranda: | ||
| Average total assets | $43,447,500 | 6,708 |
| Average earning assets | $40,671,500 | 6,660 |
| Average equity | $4,380,000 | 6,756 |
| Average total loans | $24,237,500 | 6,632 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 4,591 |
| Cost of funding earning assets | 0.5787% | 7,167 |
| Net interest margin | 4.4154% | 1,431 |
| Noninterest income to average assets | 0.7485% | 2,552 |
| Noninterest expense to average assets | 3.2167% | 3,027 |
| Loan and lease loss provision to assets | 0.2813% | 4,556 |
| Net operating income to assets | 1.2916% | 1,199 |
| Return on assets (ROA) | 1.2916% | 1,253 |
| Pretax return on assets | 1.3380% | 1,833 |
| Return on Equity (ROE) | 12.0901% | 1,302 |
| Retained earnings to average equity (ytd only) | 4.1216% | 2,967 |
| Net charge-offs to loans | 0.1835% | 5,205 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 14.3913% | 1,344 |
| Efficiency ratio | 64.8963% | 5,181 |
| Assets per employee ($millions) | 2.5782% | 6,886 |
| Cash dividends to net income (ytd only)* | 65.9091% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 2,399 |
| Loan loss allowance to noncurrent loans | 775.0000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 6,462 |
| Noncurrent loans to loans | 0.2531% | 6,557 |
| Net loans and leases to total assets | 53.0185% | 5,780 |
| Net loans and leases to deposits | 59.0096% | 6,151 |
| Net loans and leases to core deposits | 59.4626% | 6,438 |
| Total domestic deposits to total assets | 89.8471% | 1,190 |
| Equity capital to assets | 9.8791% | 3,900 |
| Core capital (leverage) ratio | 9.9410% | 3,154 |
| Tier 1 risk-based capital ratio | 16.8641% | 2,401 |
| Total risk-based capital ratio | 18.1222% | 2,363 |
| Memoranda: | ||
| Average total assets | $40,881,000 | 6,829 |
| Average earning assets | $37,844,800 | 6,799 |
| Average equity | $4,367,200 | 6,862 |
| Average total loans | $25,065,200 | 6,668 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 3,918 |
| Cost of funding earning assets | 0.5828% | 7,320 |
| Net interest margin | 4.6017% | 1,040 |
| Noninterest income to average assets | 0.7739% | 2,364 |
| Noninterest expense to average assets | 3.1851% | 2,981 |
| Loan and lease loss provision to assets | 0.2989% | 4,185 |
| Net operating income to assets | 1.4880% | 945 |
| Return on assets (ROA) | 1.4880% | 1,025 |
| Pretax return on assets | 1.5378% | 1,515 |
| Return on Equity (ROE) | 13.6483% | 1,109 |
| Retained earnings to average equity (ytd only) | 7.2508% | 1,725 |
| Net charge-offs to loans | 0.0787% | 5,737 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 36.8655% | 737 |
| Efficiency ratio | 61.8386% | 5,648 |
| Assets per employee ($millions) | 2.3019% | 7,304 |
| Cash dividends to net income (ytd only)* | 46.8744% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 2,232 |
| Loan loss allowance to noncurrent loans | 165.2632% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 5,254 |
| Noncurrent loans to loans | 1.2084% | 4,830 |
| Net loans and leases to total assets | 59.0667% | 5,093 |
| Net loans and leases to deposits | 66.9874% | 5,547 |
| Net loans and leases to core deposits | 67.5749% | 5,987 |
| Total domestic deposits to total assets | 88.1759% | 1,865 |
| Equity capital to assets | 11.4638% | 2,558 |
| Core capital (leverage) ratio | 10.6484% | 2,552 |
| Tier 1 risk-based capital ratio | 16.7219% | 2,451 |
| Total risk-based capital ratio | 17.9787% | 2,412 |
| Memoranda: | ||
| Average total assets | $40,143,750 | 6,944 |
| Average earning assets | $37,057,750 | 6,915 |
| Average equity | $4,376,500 | 6,953 |
| Average total loans | $25,405,750 | 6,732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 3,656 |
| Cost of funding earning assets | 0.5731% | 7,448 |
| Net interest margin | 4.6864% | 830 |
| Noninterest income to average assets | 0.7559% | 2,351 |
| Noninterest expense to average assets | 3.1225% | 3,210 |
| Loan and lease loss provision to assets | 0.2964% | 4,019 |
| Net operating income to assets | 1.6106% | 717 |
| Return on assets (ROA) | 1.6106% | 767 |
| Pretax return on assets | 1.6600% | 1,146 |
| Return on Equity (ROE) | 15.0230% | 857 |
| Retained earnings to average equity (ytd only) | 10.5069% | 749 |
| Net charge-offs to loans | 0.1384% | 4,839 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,151 |
| Efficiency ratio | 59.9222% | 6,061 |
| Assets per employee ($millions) | 2.2755% | 7,377 |
| Cash dividends to net income (ytd only)* | 30.0613% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 3,301 |
| Loan loss allowance to noncurrent loans | 219.0000% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 5,656 |
| Noncurrent loans to loans | 0.7476% | 5,766 |
| Net loans and leases to total assets | 68.0273% | 3,356 |
| Net loans and leases to deposits | 77.1520% | 4,137 |
| Net loans and leases to core deposits | 77.8366% | 4,979 |
| Total domestic deposits to total assets | 88.1731% | 1,906 |
| Equity capital to assets | 11.4934% | 2,450 |
| Core capital (leverage) ratio | 10.6489% | 2,500 |
| Tier 1 risk-based capital ratio | 14.9185% | 3,197 |
| Total risk-based capital ratio | 16.1733% | 3,160 |
| Memoranda: | ||
| Average total assets | $40,481,000 | 6,981 |
| Average earning assets | $37,342,330 | 6,956 |
| Average equity | $4,340,000 | 6,998 |
| Average total loans | $26,012,670 | 6,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 4,637 |
| Cost of funding earning assets | 0.5445% | 7,611 |
| Net interest margin | 4.5339% | 1,075 |
| Noninterest income to average assets | 0.6767% | 2,767 |
| Noninterest expense to average assets | 3.0643% | 3,416 |
| Loan and lease loss provision to assets | 0.2900% | 3,701 |
| Net operating income to assets | 1.4693% | 948 |
| Return on assets (ROA) | 1.4693% | 1,016 |
| Pretax return on assets | 1.5080% | 1,492 |
| Return on Equity (ROE) | 14.1824% | 1,021 |
| Retained earnings to average equity (ytd only) | 14.1824% | 487 |
| Net charge-offs to loans | 0.0936% | 4,481 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 848 |
| Efficiency ratio | 61.4314% | 5,919 |
| Assets per employee ($millions) | 2.3436% | 7,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,416 |
| Loan loss allowance to noncurrent loans | 177.9661% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 5,714 |
| Noncurrent loans to loans | 0.9022% | 5,510 |
| Net loans and leases to total assets | 64.6002% | 4,193 |
| Net loans and leases to deposits | 72.7885% | 4,947 |
| Net loans and leases to core deposits | 73.4113% | 5,559 |
| Total domestic deposits to total assets | 88.7506% | 1,642 |
| Equity capital to assets | 10.9382% | 2,818 |
| Core capital (leverage) ratio | 10.1075% | 3,034 |
| Tier 1 risk-based capital ratio | 14.8400% | 3,188 |
| Total risk-based capital ratio | 16.0920% | 3,147 |
| Memoranda: | ||
| Average total assets | $41,380,000 | 7,043 |
| Average earning assets | $38,201,500 | 7,014 |
| Average equity | $4,287,000 | 7,078 |
| Average total loans | $25,642,500 | 6,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2185% | 5,563 |
| Cost of funding earning assets | 0.6916% | 7,691 |
| Net interest margin | 4.5269% | 1,118 |
| Noninterest income to average assets | 0.6878% | 3,045 |
| Noninterest expense to average assets | 3.2123% | 3,335 |
| Loan and lease loss provision to assets | 0.2927% | 5,085 |
| Net operating income to assets | 1.3147% | 1,008 |
| Return on assets (ROA) | 1.3147% | 1,050 |
| Pretax return on assets | 1.3659% | 1,513 |
| Return on Equity (ROE) | 12.9089% | 982 |
| Retained earnings to average equity (ytd only) | 4.7900% | 1,926 |
| Net charge-offs to loans | 0.1819% | 5,511 |
| Credit loss provision to net charge-offs | 260.8696% | 1,343 |
| Earnings coverage of net charge-offs (x) | 14.7826% | 1,351 |
| Efficiency ratio | 64.3465% | 5,708 |
| Assets per employee ($millions) | 2.5246% | 7,162 |
| Cash dividends to net income (ytd only)* | 62.8942% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,370 |
| Loan loss allowance to noncurrent loans | 112.5000% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 5,219 |
| Noncurrent loans to loans | 1.4009% | 4,584 |
| Net loans and leases to total assets | 57.6238% | 5,724 |
| Net loans and leases to deposits | 64.1148% | 6,250 |
| Net loans and leases to core deposits | 69.6530% | 6,797 |
| Total domestic deposits to total assets | 89.8760% | 1,026 |
| Equity capital to assets | 9.8234% | 3,980 |
| Core capital (leverage) ratio | 9.6791% | 3,487 |
| Tier 1 risk-based capital ratio | 13.9391% | 3,538 |
| Total risk-based capital ratio | 15.1912% | 3,492 |
| Memoranda: | ||
| Average total assets | $40,998,600 | 7,054 |
| Average earning assets | $37,884,600 | 7,019 |
| Average equity | $4,175,400 | 7,221 |
| Average total loans | $25,290,400 | 6,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 5,431 |
| Cost of funding earning assets | 0.7190% | 7,789 |
| Net interest margin | 4.5797% | 1,023 |
| Noninterest income to average assets | 0.6877% | 3,108 |
| Noninterest expense to average assets | 3.2478% | 3,136 |
| Loan and lease loss provision to assets | 0.2962% | 4,601 |
| Net operating income to assets | 1.3458% | 1,132 |
| Return on assets (ROA) | 1.3458% | 1,193 |
| Pretax return on assets | 1.3985% | 1,699 |
| Return on Equity (ROE) | 13.0921% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.3304% | 1,383 |
| Net charge-offs to loans | 0.1263% | 5,435 |
| Credit loss provision to net charge-offs | 375.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 21.4578% | 1,199 |
| Efficiency ratio | 64.1145% | 5,730 |
| Assets per employee ($millions) | 2.2961% | 7,504 |
| Cash dividends to net income (ytd only)* | 44.0090% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 3,086 |
| Loan loss allowance to noncurrent loans | 89.6074% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 4,464 |
| Noncurrent loans to loans | 1.7612% | 3,977 |
| Net loans and leases to total assets | 61.9937% | 5,245 |
| Net loans and leases to deposits | 69.9627% | 5,923 |
| Net loans and leases to core deposits | 75.7679% | 6,630 |
| Total domestic deposits to total assets | 88.6096% | 1,386 |
| Equity capital to assets | 10.9779% | 3,027 |
| Core capital (leverage) ratio | 9.8943% | 3,407 |
| Tier 1 risk-based capital ratio | 14.7613% | 3,153 |
| Total risk-based capital ratio | 16.0129% | 3,102 |
| Memoranda: | ||
| Average total assets | $40,518,750 | 7,123 |
| Average earning assets | $37,643,250 | 7,084 |
| Average equity | $4,165,250 | 7,293 |
| Average total loans | $25,331,250 | 6,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 5,882 |
| Cost of funding earning assets | 0.7429% | 7,877 |
| Net interest margin | 4.5046% | 1,161 |
| Noninterest income to average assets | 0.6437% | 3,388 |
| Noninterest expense to average assets | 3.1550% | 3,484 |
| Loan and lease loss provision to assets | 0.2926% | 4,226 |
| Net operating income to assets | 1.3459% | 1,128 |
| Return on assets (ROA) | 1.3459% | 1,200 |
| Pretax return on assets | 1.3946% | 1,744 |
| Return on Equity (ROE) | 13.3807% | 1,100 |
| Retained earnings to average equity (ytd only) | 9.5023% | 814 |
| Net charge-offs to loans | 0.1955% | 4,315 |
| Credit loss provision to net charge-offs | 240.0000% | 1,941 |
| Earnings coverage of net charge-offs (x) | 13.8400% | 1,702 |
| Efficiency ratio | 63.5448% | 5,996 |
| Assets per employee ($millions) | 2.3039% | 7,545 |
| Cash dividends to net income (ytd only)* | 28.9855% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,104 |
| Loan loss allowance to noncurrent loans | 216.3636% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 6,414 |
| Noncurrent loans to loans | 0.6143% | 6,025 |
| Net loans and leases to total assets | 67.6718% | 4,216 |
| Net loans and leases to deposits | 76.3305% | 5,113 |
| Net loans and leases to core deposits | 84.0282% | 6,086 |
| Total domestic deposits to total assets | 88.6563% | 1,456 |
| Equity capital to assets | 10.6876% | 3,215 |
| Core capital (leverage) ratio | 9.6534% | 3,698 |
| Tier 1 risk-based capital ratio | 13.7179% | 3,684 |
| Total risk-based capital ratio | 14.9668% | 3,610 |
| Memoranda: | ||
| Average total assets | $41,014,000 | 7,166 |
| Average earning assets | $38,227,670 | 7,122 |
| Average equity | $4,125,330 | 7,367 |
| Average total loans | $25,579,670 | 6,991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 6,631 |
| Cost of funding earning assets | 0.8936% | 7,822 |
| Net interest margin | 4.2114% | 1,853 |
| Noninterest income to average assets | 0.6390% | 3,281 |
| Noninterest expense to average assets | 3.0331% | 3,617 |
| Loan and lease loss provision to assets | 0.2861% | 3,672 |
| Net operating income to assets | 1.1827% | 1,703 |
| Return on assets (ROA) | 1.1827% | 1,812 |
| Pretax return on assets | 1.2304% | 2,518 |
| Return on Equity (ROE) | 12.1123% | 1,627 |
| Retained earnings to average equity (ytd only) | 12.1123% | 769 |
| Net charge-offs to loans | 0.3208% | 2,817 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 7.9500% | 2,267 |
| Efficiency ratio | 64.9895% | 5,506 |
| Assets per employee ($millions) | 2.4342% | 7,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,207 |
| Loan loss allowance to noncurrent loans | 180.4348% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 6,125 |
| Noncurrent loans to loans | 0.7093% | 5,634 |
| Net loans and leases to total assets | 61.8868% | 5,351 |
| Net loans and leases to deposits | 69.0632% | 6,066 |
| Net loans and leases to core deposits | 76.8515% | 6,620 |
| Total domestic deposits to total assets | 89.6090% | 966 |
| Equity capital to assets | 10.0164% | 3,988 |
| Core capital (leverage) ratio | 9.2203% | 4,375 |
| Tier 1 risk-based capital ratio | 13.6820% | 3,752 |
| Total risk-based capital ratio | 14.8680% | 3,710 |
| Memoranda: | ||
| Average total assets | $41,937,500 | 7,168 |
| Average earning assets | $38,941,500 | 7,131 |
| Average equity | $4,095,000 | 7,420 |
| Average total loans | $24,938,500 | 7,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 6,227 |
| Cost of funding earning assets | 1.4076% | 7,729 |
| Net interest margin | 4.4539% | 1,531 |
| Noninterest income to average assets | 0.6217% | 3,700 |
| Noninterest expense to average assets | 2.9560% | 4,239 |
| Loan and lease loss provision to assets | 0.0983% | 6,129 |
| Net operating income to assets | 1.9977% | 353 |
| Return on assets (ROA) | 1.9977% | 338 |
| Pretax return on assets | 1.7348% | 1,076 |
| Return on Equity (ROE) | 20.5594% | 332 |
| Retained earnings to average equity (ytd only) | 7.5612% | 968 |
| Net charge-offs to loans | 0.2546% | 3,726 |
| Credit loss provision to net charge-offs | 63.4921% | 6,182 |
| Earnings coverage of net charge-offs (x) | 11.8413% | 2,324 |
| Efficiency ratio | 60.0821% | 6,325 |
| Assets per employee ($millions) | 2.4996% | 7,205 |
| Cash dividends to net income (ytd only)* | 63.2226% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 3,502 |
| Loan loss allowance to noncurrent loans | 325.2525% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 6,638 |
| Noncurrent loans to loans | 0.4136% | 6,102 |
| Net loans and leases to total assets | 55.5692% | 6,479 |
| Net loans and leases to deposits | 61.7059% | 6,968 |
| Net loans and leases to core deposits | 69.6672% | 7,208 |
| Total domestic deposits to total assets | 90.0548% | 628 |
| Equity capital to assets | 9.5192% | 4,660 |
| Core capital (leverage) ratio | 9.2938% | 4,306 |
| Tier 1 risk-based capital ratio | 13.6674% | 3,715 |
| Total risk-based capital ratio | 14.8575% | 3,662 |
| Memoranda: | ||
| Average total assets | $40,696,200 | 7,185 |
| Average earning assets | $38,079,400 | 7,131 |
| Average equity | $3,954,400 | 7,529 |
| Average total loans | $24,743,800 | 7,042 |