Home > Bank of Hartington > Performance and Condition Ratios
Bank of Hartington, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 1,608 |
| Cost of funding earning assets | 1.4724% | 2,014 |
| Net interest margin | 3.7582% | 1,631 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.7178% | 1,695 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0626% | 2,030 |
| Return on assets (ROA) | 1.0216% | 2,127 |
| Pretax return on assets | 1.1048% | 2,400 |
| Return on Equity (ROE) | 15.0300% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.8021% | 1,599 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.1438% | 1,857 |
| Assets per employee ($millions) | 5.6413% | 3,118 |
| Cash dividends to net income (ytd only)* | 48.0727% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,258 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.9200% | 2,264 |
| Net loans and leases to deposits | 76.5112% | 2,403 |
| Net loans and leases to core deposits | 81.4099% | 2,625 |
| Total domestic deposits to total assets | 86.1600% | 1,960 |
| Equity capital to assets | 7.4244% | 3,756 |
| Core capital (leverage) ratio | 8.7684% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3165% | 2,488 |
| Memoranda: | ||
| Average total assets | $134,593,600 | 3,507 |
| Average earning assets | $125,777,800 | 3,482 |
| Average equity | $9,151,400 | 3,808 |
| Average total loans | $80,654,600 | 3,396 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 1,665 |
| Cost of funding earning assets | 1.3151% | 2,112 |
| Net interest margin | 3.7645% | 1,661 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.6350% | 1,842 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2083% | 1,774 |
| Return on assets (ROA) | 1.2064% | 1,770 |
| Pretax return on assets | 1.2480% | 2,176 |
| Return on Equity (ROE) | 18.1600% | 929 |
| Retained earnings to average equity (ytd only) | 14.2348% | 645 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6516% | 2,052 |
| Assets per employee ($millions) | 5.4664% | 3,212 |
| Cash dividends to net income (ytd only)* | 21.6283% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 2,825 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.9200% | 2,664 |
| Net loans and leases to deposits | 66.7231% | 3,070 |
| Net loans and leases to core deposits | 70.1560% | 3,203 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 6.5316% | 3,823 |
| Core capital (leverage) ratio | 8.8392% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4496% | 2,096 |
| Memoranda: | ||
| Average total assets | $134,394,000 | 3,513 |
| Average earning assets | $126,016,750 | 3,494 |
| Average equity | $8,926,250 | 3,831 |
| Average total loans | $78,278,750 | 3,439 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 1,713 |
| Cost of funding earning assets | 1.1859% | 2,032 |
| Net interest margin | 3.7342% | 1,749 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5882% | 1,955 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2122% | 1,801 |
| Return on assets (ROA) | 1.2122% | 1,785 |
| Pretax return on assets | 1.2535% | 2,214 |
| Return on Equity (ROE) | 18.1500% | 932 |
| Retained earnings to average equity (ytd only) | 13.7751% | 711 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1133% | 2,095 |
| Assets per employee ($millions) | 5.6280% | 3,038 |
| Cash dividends to net income (ytd only)* | 24.1169% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,394 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 55.0300% | 3,188 |
| Net loans and leases to deposits | 59.2693% | 3,464 |
| Net loans and leases to core deposits | 62.3171% | 3,525 |
| Total domestic deposits to total assets | 92.8500% | 274 |
| Equity capital to assets | 6.8401% | 3,876 |
| Core capital (leverage) ratio | 8.2376% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1964% | 1,817 |
| Memoranda: | ||
| Average total assets | $135,461,000 | 3,513 |
| Average earning assets | $126,988,000 | 3,494 |
| Average equity | $9,045,333 | 3,842 |
| Average total loans | $76,988,333 | 3,461 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 2,039 |
| Cost of funding earning assets | 0.9900% | 2,081 |
| Net interest margin | 3.6290% | 2,059 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.4975% | 2,249 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2207% | 1,881 |
| Return on assets (ROA) | 1.2207% | 1,845 |
| Pretax return on assets | 1.2620% | 2,275 |
| Return on Equity (ROE) | 18.5100% | 962 |
| Retained earnings to average equity (ytd only) | 16.8520% | 607 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.9144% | 2,217 |
| Assets per employee ($millions) | 5.9358% | 2,817 |
| Cash dividends to net income (ytd only)* | 8.9372% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,334 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.1000% | 3,270 |
| Net loans and leases to deposits | 57.1871% | 3,495 |
| Net loans and leases to core deposits | 59.0976% | 3,582 |
| Total domestic deposits to total assets | 92.8500% | 334 |
| Equity capital to assets | 6.9182% | 3,869 |
| Core capital (leverage) ratio | 8.5812% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3320% | 1,858 |
| Memoranda: | ||
| Average total assets | $135,655,500 | 3,561 |
| Average earning assets | $126,867,000 | 3,541 |
| Average equity | $8,948,500 | 3,902 |
| Average total loans | $77,860,000 | 3,484 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 1,486 |
| Cost of funding earning assets | 0.4250% | 1,904 |
| Net interest margin | 3.6702% | 1,452 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.5618% | 1,934 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1619% | 1,927 |
| Return on assets (ROA) | 1.1619% | 1,860 |
| Pretax return on assets | 1.2052% | 2,418 |
| Return on Equity (ROE) | 17.0900% | 847 |
| Retained earnings to average equity (ytd only) | 7.0443% | 2,225 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.8257% | 1,984 |
| Assets per employee ($millions) | 5.8603% | 2,894 |
| Cash dividends to net income (ytd only)* | 58.7766% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 2,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.4000% | 2,605 |
| Net loans and leases to deposits | 66.2261% | 2,880 |
| Net loans and leases to core deposits | 67.3770% | 3,045 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 6.2706% | 3,987 |
| Core capital (leverage) ratio | 8.4014% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5842% | 2,536 |
| Memoranda: | ||
| Average total assets | $129,439,200 | 3,637 |
| Average earning assets | $121,164,000 | 3,607 |
| Average equity | $8,801,400 | 4,009 |
| Average total loans | $77,076,600 | 3,452 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 1,380 |
| Cost of funding earning assets | 0.3717% | 1,511 |
| Net interest margin | 3.5694% | 1,461 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.4834% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1803% | 1,771 |
| Return on assets (ROA) | 1.1803% | 1,741 |
| Pretax return on assets | 1.2219% | 2,282 |
| Return on Equity (ROE) | 17.0100% | 788 |
| Retained earnings to average equity (ytd only) | 11.8349% | 828 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.0225% | 2,151 |
| Assets per employee ($millions) | 5.7977% | 2,930 |
| Cash dividends to net income (ytd only)* | 30.4233% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 2,705 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.2600% | 2,879 |
| Net loans and leases to deposits | 59.8470% | 3,210 |
| Net loans and leases to core deposits | 60.8642% | 3,320 |
| Total domestic deposits to total assets | 94.0100% | 354 |
| Equity capital to assets | 5.7032% | 4,075 |
| Core capital (leverage) ratio | 8.4557% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5919% | 2,218 |
| Memoranda: | ||
| Average total assets | $128,102,000 | 3,678 |
| Average earning assets | $119,793,500 | 3,648 |
| Average equity | $8,888,750 | 4,049 |
| Average total loans | $75,767,000 | 3,485 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 1,306 |
| Cost of funding earning assets | 0.3478% | 1,285 |
| Net interest margin | 3.4563% | 1,431 |
| Noninterest income to average assets | 0.3561% | 3,018 |
| Noninterest expense to average assets | 2.4962% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0573% | 1,946 |
| Return on assets (ROA) | 1.0573% | 1,914 |
| Pretax return on assets | 1.1001% | 2,412 |
| Return on Equity (ROE) | 14.3399% | 1,034 |
| Retained earnings to average equity (ytd only) | 8.6082% | 1,396 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4102% | 2,046 |
| Assets per employee ($millions) | 5.5558% | 3,169 |
| Cash dividends to net income (ytd only)* | 39.9701% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.1625% | 2,622 |
| Net loans and leases to deposits | 61.2646% | 2,951 |
| Net loans and leases to core deposits | 62.4965% | 3,075 |
| Total domestic deposits to total assets | 93.3043% | 437 |
| Equity capital to assets | 6.4656% | 4,033 |
| Core capital (leverage) ratio | 8.1476% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6201% | 2,242 |
| Memoranda: | ||
| Average total assets | $126,354,000 | 3,738 |
| Average earning assets | $118,451,333 | 3,717 |
| Average equity | $9,316,667 | 4,074 |
| Average total loans | $75,719,333 | 3,521 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 1,391 |
| Cost of funding earning assets | 0.3370% | 1,313 |
| Net interest margin | 3.3088% | 1,545 |
| Noninterest income to average assets | 0.4043% | 2,657 |
| Noninterest expense to average assets | 2.4897% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9647% | 2,019 |
| Return on assets (ROA) | 0.9647% | 2,016 |
| Pretax return on assets | 1.0092% | 2,408 |
| Return on Equity (ROE) | 12.3121% | 1,222 |
| Retained earnings to average equity (ytd only) | 9.5896% | 1,125 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1556% | 2,083 |
| Assets per employee ($millions) | 5.6235% | 3,210 |
| Cash dividends to net income (ytd only)* | 22.1122% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.1280% | 2,514 |
| Net loans and leases to deposits | 60.5355% | 2,856 |
| Net loans and leases to core deposits | 61.8908% | 2,978 |
| Total domestic deposits to total assets | 92.7192% | 339 |
| Equity capital to assets | 7.1030% | 4,156 |
| Core capital (leverage) ratio | 8.3928% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7075% | 2,342 |
| Memoranda: | ||
| Average total assets | $125,639,500 | 3,764 |
| Average earning assets | $117,505,500 | 3,749 |
| Average equity | $9,844,000 | 4,072 |
| Average total loans | $76,613,500 | 3,515 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 330 |
| Cost of funding earning assets | 0.4257% | 1,351 |
| Net interest margin | 4.4267% | 311 |
| Noninterest income to average assets | 0.3430% | 3,365 |
| Noninterest expense to average assets | 2.7757% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6863% | 649 |
| Return on assets (ROA) | 1.6558% | 733 |
| Pretax return on assets | 1.6979% | 1,151 |
| Return on Equity (ROE) | 18.3851% | 432 |
| Retained earnings to average equity (ytd only) | 6.0442% | 2,341 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6162% | 2,921 |
| Assets per employee ($millions) | 5.0808% | 3,661 |
| Cash dividends to net income (ytd only)* | 67.1247% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 64.6692% | 1,625 |
| Net loans and leases to deposits | 70.9005% | 2,031 |
| Net loans and leases to core deposits | 72.5896% | 2,199 |
| Total domestic deposits to total assets | 91.2112% | 414 |
| Equity capital to assets | 8.6117% | 3,976 |
| Core capital (leverage) ratio | 8.5149% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5183% | 2,773 |
| Memoranda: | ||
| Average total assets | $118,674,400 | 3,817 |
| Average earning assets | $111,572,200 | 3,794 |
| Average equity | $10,688,000 | 4,066 |
| Average total loans | $75,034,400 | 3,561 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 257 |
| Cost of funding earning assets | 0.4529% | 1,336 |
| Net interest margin | 4.6434% | 247 |
| Noninterest income to average assets | 0.3530% | 3,341 |
| Noninterest expense to average assets | 2.7343% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9526% | 500 |
| Return on assets (ROA) | 1.9526% | 528 |
| Pretax return on assets | 1.9910% | 811 |
| Return on Equity (ROE) | 21.4376% | 329 |
| Retained earnings to average equity (ytd only) | 15.9105% | 308 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8645% | 3,285 |
| Assets per employee ($millions) | 5.0932% | 3,612 |
| Cash dividends to net income (ytd only)* | 25.7822% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.5510% | 2,551 |
| Net loans and leases to deposits | 63.6161% | 2,889 |
| Net loans and leases to core deposits | 65.1370% | 3,027 |
| Total domestic deposits to total assets | 90.4660% | 578 |
| Equity capital to assets | 9.2011% | 3,655 |
| Core capital (leverage) ratio | 9.0098% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5923% | 2,129 |
| Memoranda: | ||
| Average total assets | $117,858,250 | 3,871 |
| Average earning assets | $110,979,500 | 3,845 |
| Average equity | $10,734,750 | 4,118 |
| Average total loans | $73,857,000 | 3,634 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7115% | 128 |
| Cost of funding earning assets | 0.4712% | 1,374 |
| Net interest margin | 5.2402% | 129 |
| Noninterest income to average assets | 0.3574% | 3,322 |
| Noninterest expense to average assets | 2.8041% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4433% | 238 |
| Return on assets (ROA) | 2.4433% | 254 |
| Pretax return on assets | 2.4828% | 364 |
| Return on Equity (ROE) | 26.9216% | 148 |
| Retained earnings to average equity (ytd only) | 20.2953% | 146 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0387% | 3,929 |
| Assets per employee ($millions) | 4.7999% | 3,838 |
| Cash dividends to net income (ytd only)* | 24.6132% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.5494% | 2,230 |
| Net loans and leases to deposits | 68.0217% | 2,615 |
| Net loans and leases to core deposits | 69.7339% | 2,812 |
| Total domestic deposits to total assets | 90.4848% | 563 |
| Equity capital to assets | 9.2435% | 3,568 |
| Core capital (leverage) ratio | 8.8612% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7672% | 2,070 |
| Memoranda: | ||
| Average total assets | $116,399,000 | 3,902 |
| Average earning assets | $109,498,667 | 3,883 |
| Average equity | $10,564,000 | 4,149 |
| Average total loans | $74,731,000 | 3,638 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9083% | 124 |
| Cost of funding earning assets | 0.4816% | 1,508 |
| Net interest margin | 5.4268% | 114 |
| Noninterest income to average assets | 0.4014% | 3,080 |
| Noninterest expense to average assets | 2.7539% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7225% | 194 |
| Return on assets (ROA) | 2.7225% | 219 |
| Pretax return on assets | 2.7609% | 316 |
| Return on Equity (ROE) | 30.2913% | 136 |
| Retained earnings to average equity (ytd only) | 20.5825% | 251 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9367% | 4,186 |
| Assets per employee ($millions) | 4.9267% | 3,739 |
| Cash dividends to net income (ytd only)* | 32.0513% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 3,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 62.6987% | 2,204 |
| Net loans and leases to deposits | 68.9333% | 2,608 |
| Net loans and leases to core deposits | 71.0391% | 2,782 |
| Total domestic deposits to total assets | 90.9557% | 411 |
| Equity capital to assets | 8.8532% | 3,829 |
| Core capital (leverage) ratio | 8.9922% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3010% | 2,161 |
| Memoranda: | ||
| Average total assets | $114,599,500 | 3,922 |
| Average earning assets | $107,983,500 | 3,899 |
| Average equity | $10,300,000 | 4,183 |
| Average total loans | $74,724,000 | 3,657 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 581 |
| Cost of funding earning assets | 0.7010% | 1,713 |
| Net interest margin | 4.2150% | 613 |
| Noninterest income to average assets | 0.3165% | 3,566 |
| Noninterest expense to average assets | 2.9366% | 1,579 |
| Loan and lease loss provision to assets | 0.0094% | 4,240 |
| Net operating income to assets | 1.2639% | 1,352 |
| Return on assets (ROA) | 1.2603% | 1,465 |
| Pretax return on assets | 1.3026% | 1,970 |
| Return on Equity (ROE) | 13.7112% | 883 |
| Retained earnings to average equity (ytd only) | 5.3026% | 2,138 |
| Net charge-offs to loans | -0.0054% | 4,159 |
| Credit loss provision to net charge-offs | -250.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0592% | 2,085 |
| Assets per employee ($millions) | 4.6233% | 3,789 |
| Cash dividends to net income (ytd only)* | 61.3264% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.2758% | 2,061 |
| Net loans and leases to deposits | 73.0772% | 2,582 |
| Net loans and leases to core deposits | 75.4602% | 2,776 |
| Total domestic deposits to total assets | 90.6930% | 305 |
| Equity capital to assets | 9.1313% | 3,949 |
| Core capital (leverage) ratio | 8.9685% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9600% | 2,638 |
| Memoranda: | ||
| Average total assets | $106,482,600 | 3,912 |
| Average earning assets | $99,429,800 | 3,904 |
| Average equity | $9,787,600 | 4,217 |
| Average total loans | $74,005,600 | 3,659 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 535 |
| Cost of funding earning assets | 0.7551% | 1,707 |
| Net interest margin | 4.3151% | 570 |
| Noninterest income to average assets | 0.3164% | 3,596 |
| Noninterest expense to average assets | 2.9168% | 1,660 |
| Loan and lease loss provision to assets | 0.0123% | 4,153 |
| Net operating income to assets | 1.3766% | 1,162 |
| Return on assets (ROA) | 1.3717% | 1,270 |
| Pretax return on assets | 1.4097% | 1,699 |
| Return on Equity (ROE) | 14.8977% | 708 |
| Retained earnings to average equity (ytd only) | 10.1425% | 729 |
| Net charge-offs to loans | -0.0036% | 3,979 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1424% | 2,296 |
| Assets per employee ($millions) | 4.3397% | 4,006 |
| Cash dividends to net income (ytd only)* | 31.9188% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 65.4789% | 2,582 |
| Net loans and leases to deposits | 72.5861% | 3,080 |
| Net loans and leases to core deposits | 74.5420% | 3,282 |
| Total domestic deposits to total assets | 90.2086% | 360 |
| Equity capital to assets | 9.5140% | 3,673 |
| Core capital (leverage) ratio | 8.8737% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8476% | 2,265 |
| Memoranda: | ||
| Average total assets | $105,363,500 | 3,924 |
| Average earning assets | $98,349,000 | 3,912 |
| Average equity | $9,701,500 | 4,239 |
| Average total loans | $73,900,500 | 3,677 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 445 |
| Cost of funding earning assets | 0.8100% | 1,780 |
| Net interest margin | 4.5372% | 463 |
| Noninterest income to average assets | 0.3183% | 3,561 |
| Noninterest expense to average assets | 2.9218% | 1,779 |
| Loan and lease loss provision to assets | 0.0192% | 3,998 |
| Net operating income to assets | 1.5700% | 806 |
| Return on assets (ROA) | 1.5644% | 890 |
| Pretax return on assets | 1.6028% | 1,216 |
| Return on Equity (ROE) | 17.1886% | 430 |
| Retained earnings to average equity (ytd only) | 11.5012% | 532 |
| Net charge-offs to loans | -0.0054% | 4,031 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2225% | 2,795 |
| Assets per employee ($millions) | 4.3021% | 3,996 |
| Cash dividends to net income (ytd only)* | 33.0882% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,476 |
| Loan loss allowance to noncurrent loans | 2,391.8919% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,386 |
| Noncurrent loans to loans | 0.0505% | 4,282 |
| Net loans and leases to total assets | 64.7159% | 2,792 |
| Net loans and leases to deposits | 71.3014% | 3,320 |
| Net loans and leases to core deposits | 73.4821% | 3,489 |
| Total domestic deposits to total assets | 90.7639% | 209 |
| Equity capital to assets | 9.0295% | 4,066 |
| Core capital (leverage) ratio | 8.7466% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6942% | 2,733 |
| Memoranda: | ||
| Average total assets | $104,320,333 | 3,937 |
| Average earning assets | $97,283,667 | 3,920 |
| Average equity | $9,494,667 | 4,282 |
| Average total loans | $74,559,000 | 3,672 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 872 |
| Cost of funding earning assets | 0.8967% | 1,884 |
| Net interest margin | 4.1588% | 1,004 |
| Noninterest income to average assets | 0.4177% | 2,987 |
| Noninterest expense to average assets | 2.8721% | 2,206 |
| Loan and lease loss provision to assets | 0.0398% | 3,276 |
| Net operating income to assets | 1.3402% | 1,130 |
| Return on assets (ROA) | 1.3287% | 1,256 |
| Pretax return on assets | 1.3684% | 1,658 |
| Return on Equity (ROE) | 14.5344% | 606 |
| Retained earnings to average equity (ytd only) | 12.7067% | 350 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9138% | 2,835 |
| Assets per employee ($millions) | 4.3700% | 3,446 |
| Cash dividends to net income (ytd only)* | 12.5749% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.8331% | 2,278 |
| Net loans and leases to deposits | 76.6296% | 3,018 |
| Net loans and leases to core deposits | 79.3330% | 3,252 |
| Total domestic deposits to total assets | 91.1308% | 96 |
| Equity capital to assets | 8.6842% | 4,750 |
| Core capital (leverage) ratio | 9.3755% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3523% | 2,989 |
| Memoranda: | ||
| Average total assets | $100,553,000 | 3,980 |
| Average earning assets | $93,680,500 | 3,972 |
| Average equity | $9,192,000 | 4,342 |
| Average total loans | $75,202,000 | 3,657 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 634 |
| Cost of funding earning assets | 0.9420% | 2,001 |
| Net interest margin | 4.4856% | 736 |
| Noninterest income to average assets | 0.3589% | 3,553 |
| Noninterest expense to average assets | 3.2326% | 1,440 |
| Loan and lease loss provision to assets | 0.0581% | 2,874 |
| Net operating income to assets | 1.1845% | 2,119 |
| Return on assets (ROA) | 1.1845% | 2,217 |
| Pretax return on assets | 1.2257% | 2,745 |
| Return on Equity (ROE) | 12.2331% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.5029% | 2,707 |
| Net charge-offs to loans | -0.0027% | 4,254 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5755% | 1,933 |
| Assets per employee ($millions) | 3.8490% | 4,095 |
| Cash dividends to net income (ytd only)* | 63.1907% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,725 |
| Loan loss allowance to noncurrent loans | 3,795.6522% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 4,538 |
| Noncurrent loans to loans | 0.0302% | 4,444 |
| Net loans and leases to total assets | 78.3645% | 1,015 |
| Net loans and leases to deposits | 88.8636% | 1,720 |
| Net loans and leases to core deposits | 91.2785% | 2,301 |
| Total domestic deposits to total assets | 88.1851% | 1,039 |
| Equity capital to assets | 9.6398% | 4,230 |
| Core capital (leverage) ratio | 9.6265% | 3,926 |
| Tier 1 risk-based capital ratio | 11.4514% | 4,652 |
| Total risk-based capital ratio | 12.5412% | 4,626 |
| Memoranda: | ||
| Average total assets | $94,723,800 | 4,079 |
| Average earning assets | $87,791,600 | 4,068 |
| Average equity | $9,171,800 | 4,348 |
| Average total loans | $74,836,600 | 3,684 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 670 |
| Cost of funding earning assets | 0.9499% | 1,990 |
| Net interest margin | 4.4734% | 818 |
| Noninterest income to average assets | 0.3717% | 3,490 |
| Noninterest expense to average assets | 3.1231% | 1,661 |
| Loan and lease loss provision to assets | 0.0565% | 2,764 |
| Net operating income to assets | 1.2987% | 1,867 |
| Return on assets (ROA) | 1.2987% | 1,952 |
| Pretax return on assets | 1.3383% | 2,530 |
| Return on Equity (ROE) | 13.3975% | 1,142 |
| Retained earnings to average equity (ytd only) | 9.7529% | 814 |
| Net charge-offs to loans | -0.0018% | 4,046 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1273% | 2,239 |
| Assets per employee ($millions) | 3.7731% | 4,190 |
| Cash dividends to net income (ytd only)* | 27.2040% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.3662% | 1,250 |
| Net loans and leases to deposits | 86.3676% | 2,150 |
| Net loans and leases to core deposits | 88.7120% | 2,663 |
| Total domestic deposits to total assets | 89.5779% | 423 |
| Equity capital to assets | 10.1200% | 3,889 |
| Core capital (leverage) ratio | 9.8867% | 3,751 |
| Tier 1 risk-based capital ratio | 12.1290% | 4,349 |
| Total risk-based capital ratio | 13.2315% | 4,314 |
| Memoranda: | ||
| Average total assets | $94,348,250 | 4,129 |
| Average earning assets | $87,448,000 | 4,124 |
| Average equity | $9,145,750 | 4,402 |
| Average total loans | $74,475,750 | 3,734 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 706 |
| Cost of funding earning assets | 0.9268% | 2,023 |
| Net interest margin | 4.4515% | 851 |
| Noninterest income to average assets | 0.3794% | 3,406 |
| Noninterest expense to average assets | 3.0883% | 1,763 |
| Loan and lease loss provision to assets | 0.0530% | 2,759 |
| Net operating income to assets | 1.3311% | 1,651 |
| Return on assets (ROA) | 1.3311% | 1,716 |
| Pretax return on assets | 1.3714% | 2,302 |
| Return on Equity (ROE) | 13.9365% | 995 |
| Retained earnings to average equity (ytd only) | 9.4981% | 910 |
| Net charge-offs to loans | -0.0027% | 4,007 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4359% | 2,458 |
| Assets per employee ($millions) | 3.9772% | 3,895 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.8633% | 1,571 |
| Net loans and leases to deposits | 84.2570% | 2,466 |
| Net loans and leases to core deposits | 89.3899% | 2,647 |
| Total domestic deposits to total assets | 90.0379% | 320 |
| Equity capital to assets | 9.7295% | 4,209 |
| Core capital (leverage) ratio | 9.4576% | 4,192 |
| Tier 1 risk-based capital ratio | 11.3731% | 4,750 |
| Total risk-based capital ratio | 12.4154% | 4,740 |
| Memoranda: | ||
| Average total assets | $94,355,000 | 4,155 |
| Average earning assets | $87,611,000 | 4,149 |
| Average equity | $9,012,330 | 4,433 |
| Average total loans | $74,689,330 | 3,752 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 772 |
| Cost of funding earning assets | 0.8569% | 2,237 |
| Net interest margin | 4.4317% | 841 |
| Noninterest income to average assets | 0.3966% | 3,203 |
| Noninterest expense to average assets | 3.1085% | 1,716 |
| Loan and lease loss provision to assets | 0.0426% | 2,785 |
| Net operating income to assets | 1.3091% | 1,668 |
| Return on assets (ROA) | 1.3091% | 1,708 |
| Pretax return on assets | 1.3475% | 2,269 |
| Return on Equity (ROE) | 13.8366% | 1,006 |
| Retained earnings to average equity (ytd only) | 7.5268% | 1,832 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0995% | 2,487 |
| Assets per employee ($millions) | 4.1000% | 3,783 |
| Cash dividends to net income (ytd only)* | 45.6026% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.6893% | 758 |
| Net loans and leases to deposits | 89.8156% | 1,657 |
| Net loans and leases to core deposits | 95.3449% | 1,991 |
| Total domestic deposits to total assets | 89.8388% | 515 |
| Equity capital to assets | 9.5313% | 4,230 |
| Core capital (leverage) ratio | 9.5739% | 4,051 |
| Tier 1 risk-based capital ratio | 11.1977% | 4,883 |
| Total risk-based capital ratio | 12.2336% | 4,887 |
| Memoranda: | ||
| Average total assets | $93,806,500 | 4,202 |
| Average earning assets | $86,829,500 | 4,204 |
| Average equity | $8,875,000 | 4,486 |
| Average total loans | $75,406,500 | 3,776 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 961 |
| Cost of funding earning assets | 0.5902% | 2,790 |
| Net interest margin | 4.4480% | 843 |
| Noninterest income to average assets | 0.3712% | 3,613 |
| Noninterest expense to average assets | 3.1882% | 1,584 |
| Loan and lease loss provision to assets | 0.0272% | 3,634 |
| Net operating income to assets | 1.2402% | 2,011 |
| Return on assets (ROA) | 1.2170% | 2,090 |
| Pretax return on assets | 1.2583% | 2,663 |
| Return on Equity (ROE) | 13.6973% | 1,129 |
| Retained earnings to average equity (ytd only) | 5.1947% | 2,666 |
| Net charge-offs to loans | 0.0810% | 1,982 |
| Credit loss provision to net charge-offs | 43.1034% | 3,254 |
| Earnings coverage of net charge-offs (x) | 20.7414% | 1,979 |
| Efficiency ratio | 70.8858% | 2,057 |
| Assets per employee ($millions) | 3.8880% | 4,046 |
| Cash dividends to net income (ytd only)* | 62.0751% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.3181% | 1,223 |
| Net loans and leases to deposits | 91.3467% | 1,622 |
| Net loans and leases to core deposits | 93.6360% | 2,259 |
| Total domestic deposits to total assets | 85.7372% | 2,349 |
| Equity capital to assets | 9.3899% | 4,226 |
| Core capital (leverage) ratio | 9.5388% | 4,079 |
| Tier 1 risk-based capital ratio | 11.4831% | 4,736 |
| Total risk-based capital ratio | 12.5526% | 4,721 |
| Memoranda: | ||
| Average total assets | $91,869,000 | 4,237 |
| Average earning assets | $85,230,000 | 4,232 |
| Average equity | $8,162,200 | 4,584 |
| Average total loans | $71,637,000 | 3,837 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 969 |
| Cost of funding earning assets | 0.5530% | 2,842 |
| Net interest margin | 4.4302% | 846 |
| Noninterest income to average assets | 0.3788% | 3,606 |
| Noninterest expense to average assets | 3.1516% | 1,637 |
| Loan and lease loss provision to assets | 0.0364% | 3,277 |
| Net operating income to assets | 1.2720% | 1,960 |
| Return on assets (ROA) | 1.2720% | 1,963 |
| Pretax return on assets | 1.3113% | 2,576 |
| Return on Equity (ROE) | 14.5274% | 976 |
| Retained earnings to average equity (ytd only) | 9.0526% | 1,194 |
| Net charge-offs to loans | 0.1088% | 1,399 |
| Credit loss provision to net charge-offs | 43.1034% | 2,880 |
| Earnings coverage of net charge-offs (x) | 15.9485% | 2,192 |
| Efficiency ratio | 70.0453% | 2,180 |
| Assets per employee ($millions) | 3.6794% | 4,334 |
| Cash dividends to net income (ytd only)* | 37.6865% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 3,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.7738% | 1,376 |
| Net loans and leases to deposits | 86.2886% | 2,340 |
| Net loans and leases to core deposits | 88.3659% | 2,813 |
| Total domestic deposits to total assets | 90.1322% | 466 |
| Equity capital to assets | 9.6015% | 3,994 |
| Core capital (leverage) ratio | 9.7116% | 3,932 |
| Tier 1 risk-based capital ratio | 11.7334% | 4,641 |
| Total risk-based capital ratio | 12.8115% | 4,642 |
| Memoranda: | ||
| Average total assets | $91,508,000 | 4,286 |
| Average earning assets | $85,110,250 | 4,276 |
| Average equity | $8,012,250 | 4,653 |
| Average total loans | $71,072,000 | 3,882 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 990 |
| Cost of funding earning assets | 0.5197% | 2,844 |
| Net interest margin | 4.3930% | 862 |
| Noninterest income to average assets | 0.3831% | 3,596 |
| Noninterest expense to average assets | 3.1002% | 1,784 |
| Loan and lease loss provision to assets | 0.0547% | 2,809 |
| Net operating income to assets | 1.2786% | 1,864 |
| Return on assets (ROA) | 1.2786% | 1,867 |
| Pretax return on assets | 1.3180% | 2,439 |
| Return on Equity (ROE) | 15.0924% | 824 |
| Retained earnings to average equity (ytd only) | 8.0631% | 1,602 |
| Net charge-offs to loans | 0.1670% | 932 |
| Credit loss provision to net charge-offs | 42.3729% | 2,545 |
| Earnings coverage of net charge-offs (x) | 10.6271% | 2,321 |
| Efficiency ratio | 69.3098% | 2,426 |
| Assets per employee ($millions) | 3.8229% | 4,175 |
| Cash dividends to net income (ytd only)* | 46.5753% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,724 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.8423% | 1,184 |
| Net loans and leases to deposits | 86.4675% | 2,271 |
| Net loans and leases to core deposits | 88.2535% | 2,698 |
| Total domestic deposits to total assets | 91.1814% | 209 |
| Equity capital to assets | 8.6006% | 4,875 |
| Core capital (leverage) ratio | 8.4051% | 5,167 |
| Tier 1 risk-based capital ratio | 10.3865% | 5,318 |
| Total risk-based capital ratio | 11.4581% | 5,299 |
| Memoranda: | ||
| Average total assets | $91,348,670 | 4,332 |
| Average earning assets | $85,045,330 | 4,318 |
| Average equity | $7,739,000 | 4,737 |
| Average total loans | $70,643,670 | 3,919 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7126% | 1,279 |
| Cost of funding earning assets | 0.5068% | 2,744 |
| Net interest margin | 4.2058% | 1,166 |
| Noninterest income to average assets | 0.4037% | 3,436 |
| Noninterest expense to average assets | 3.0982% | 1,831 |
| Loan and lease loss provision to assets | 0.0878% | 2,043 |
| Net operating income to assets | 1.0752% | 2,546 |
| Return on assets (ROA) | 1.0752% | 2,558 |
| Pretax return on assets | 1.1147% | 3,117 |
| Return on Equity (ROE) | 12.7887% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.2199% | 3,071 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0408% | 2,192 |
| Assets per employee ($millions) | 3.7892% | 4,299 |
| Cash dividends to net income (ytd only)* | 59.1837% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,492 |
| Loan loss allowance to noncurrent loans | 769.0265% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,464 |
| Noncurrent loans to loans | 0.1632% | 4,247 |
| Net loans and leases to total assets | 75.2004% | 1,670 |
| Net loans and leases to deposits | 82.2495% | 2,571 |
| Net loans and leases to core deposits | 83.9549% | 2,984 |
| Total domestic deposits to total assets | 91.4296% | 198 |
| Equity capital to assets | 8.4483% | 5,014 |
| Core capital (leverage) ratio | 8.6165% | 5,047 |
| Tier 1 risk-based capital ratio | 10.7057% | 5,283 |
| Total risk-based capital ratio | 11.9158% | 5,193 |
| Memoranda: | ||
| Average total assets | $91,148,500 | 4,381 |
| Average earning assets | $84,454,500 | 4,369 |
| Average equity | $7,663,000 | 4,800 |
| Average total loans | $69,389,500 | 3,979 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 1,036 |
| Cost of funding earning assets | 0.4020% | 3,237 |
| Net interest margin | 4.3662% | 827 |
| Noninterest income to average assets | 0.3630% | 3,870 |
| Noninterest expense to average assets | 3.1918% | 1,627 |
| Loan and lease loss provision to assets | 0.1353% | 1,700 |
| Net operating income to assets | 1.0623% | 2,009 |
| Return on assets (ROA) | 1.0688% | 2,004 |
| Pretax return on assets | 1.1083% | 3,154 |
| Return on Equity (ROE) | 12.4885% | 1,082 |
| Retained earnings to average equity (ytd only) | 5.5197% | 1,806 |
| Net charge-offs to loans | 0.0281% | 3,251 |
| Credit loss provision to net charge-offs | 631.5789% | 509 |
| Earnings coverage of net charge-offs (x) | 57.7368% | 980 |
| Efficiency ratio | 72.0723% | 2,212 |
| Assets per employee ($millions) | 3.8065% | 4,272 |
| Cash dividends to net income (ytd only)* | 55.8017% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 75.1697% | 1,727 |
| Net loans and leases to deposits | 95.1465% | 1,162 |
| Net loans and leases to core deposits | 97.4195% | 1,906 |
| Total domestic deposits to total assets | 79.0041% | 4,545 |
| Equity capital to assets | 8.3662% | 5,218 |
| Core capital (leverage) ratio | 8.4994% | 5,137 |
| Tier 1 risk-based capital ratio | 10.4910% | 5,369 |
| Total risk-based capital ratio | 11.6664% | 5,312 |
| Memoranda: | ||
| Average total assets | $88,695,200 | 4,450 |
| Average earning assets | $82,588,400 | 4,427 |
| Average equity | $7,591,000 | 4,844 |
| Average total loans | $67,599,800 | 4,017 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 1,067 |
| Cost of funding earning assets | 0.3887% | 3,300 |
| Net interest margin | 4.3435% | 826 |
| Noninterest income to average assets | 0.3968% | 3,706 |
| Noninterest expense to average assets | 3.1443% | 1,689 |
| Loan and lease loss provision to assets | 0.1363% | 1,580 |
| Net operating income to assets | 1.1392% | 1,920 |
| Return on assets (ROA) | 1.1481% | 1,940 |
| Pretax return on assets | 1.1874% | 2,953 |
| Return on Equity (ROE) | 13.3365% | 977 |
| Retained earnings to average equity (ytd only) | 10.6269% | 466 |
| Net charge-offs to loans | 0.0735% | 2,082 |
| Credit loss provision to net charge-offs | 243.2432% | 1,155 |
| Earnings coverage of net charge-offs (x) | 23.4604% | 1,811 |
| Efficiency ratio | 70.5163% | 2,453 |
| Assets per employee ($millions) | 3.8613% | 4,219 |
| Cash dividends to net income (ytd only)* | 20.3168% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 3,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.1955% | 1,558 |
| Net loans and leases to deposits | 91.1589% | 1,666 |
| Net loans and leases to core deposits | 93.6583% | 2,295 |
| Total domestic deposits to total assets | 83.5854% | 3,261 |
| Equity capital to assets | 8.9561% | 4,949 |
| Core capital (leverage) ratio | 8.7898% | 4,980 |
| Tier 1 risk-based capital ratio | 10.9260% | 5,287 |
| Total risk-based capital ratio | 12.0535% | 5,254 |
| Memoranda: | ||
| Average total assets | $88,030,000 | 4,504 |
| Average earning assets | $82,328,250 | 4,472 |
| Average equity | $7,578,000 | 4,894 |
| Average total loans | $67,119,250 | 4,061 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,107 |
| Cost of funding earning assets | 0.3749% | 3,341 |
| Net interest margin | 4.2996% | 862 |
| Noninterest income to average assets | 0.4124% | 3,611 |
| Noninterest expense to average assets | 3.1286% | 1,771 |
| Loan and lease loss provision to assets | 0.1367% | 1,514 |
| Net operating income to assets | 1.1329% | 1,841 |
| Return on assets (ROA) | 1.1462% | 1,847 |
| Pretax return on assets | 1.1849% | 2,827 |
| Return on Equity (ROE) | 13.4985% | 924 |
| Retained earnings to average equity (ytd only) | 10.5197% | 504 |
| Net charge-offs to loans | 0.1110% | 1,524 |
| Credit loss provision to net charge-offs | 162.1622% | 1,449 |
| Earnings coverage of net charge-offs (x) | 15.5135% | 2,023 |
| Efficiency ratio | 70.5187% | 2,582 |
| Assets per employee ($millions) | 3.8618% | 4,183 |
| Cash dividends to net income (ytd only)* | 22.0676% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.3966% | 1,482 |
| Net loans and leases to deposits | 87.5518% | 2,041 |
| Net loans and leases to core deposits | 89.2515% | 2,592 |
| Total domestic deposits to total assets | 87.2588% | 1,825 |
| Equity capital to assets | 8.7366% | 5,114 |
| Core capital (leverage) ratio | 8.4544% | 5,249 |
| Tier 1 risk-based capital ratio | 10.6986% | 5,378 |
| Total risk-based capital ratio | 11.7909% | 5,367 |
| Memoranda: | ||
| Average total assets | $87,769,670 | 4,531 |
| Average earning assets | $82,146,670 | 4,502 |
| Average equity | $7,452,670 | 4,935 |
| Average total loans | $66,668,330 | 4,089 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 1,228 |
| Cost of funding earning assets | 0.3675% | 3,341 |
| Net interest margin | 4.1941% | 1,003 |
| Noninterest income to average assets | 0.4585% | 3,270 |
| Noninterest expense to average assets | 3.1773% | 1,673 |
| Loan and lease loss provision to assets | 0.1375% | 1,385 |
| Net operating income to assets | 1.0281% | 2,175 |
| Return on assets (ROA) | 1.0545% | 2,101 |
| Pretax return on assets | 1.0958% | 3,005 |
| Return on Equity (ROE) | 12.6045% | 1,086 |
| Retained earnings to average equity (ytd only) | 8.9875% | 1,089 |
| Net charge-offs to loans | 0.2375% | 755 |
| Credit loss provision to net charge-offs | 76.9231% | 1,773 |
| Earnings coverage of net charge-offs (x) | 6.7436% | 2,194 |
| Efficiency ratio | 72.4895% | 2,491 |
| Assets per employee ($millions) | 3.9150% | 4,158 |
| Cash dividends to net income (ytd only)* | 28.6957% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.6594% | 1,313 |
| Net loans and leases to deposits | 84.4830% | 2,223 |
| Net loans and leases to core deposits | 86.1497% | 2,693 |
| Total domestic deposits to total assets | 90.7395% | 379 |
| Equity capital to assets | 8.6359% | 5,123 |
| Core capital (leverage) ratio | 8.4906% | 5,235 |
| Tier 1 risk-based capital ratio | 10.6536% | 5,484 |
| Total risk-based capital ratio | 11.7288% | 5,478 |
| Memoranda: | ||
| Average total assets | $87,243,500 | 4,580 |
| Average earning assets | $81,638,500 | 4,559 |
| Average equity | $7,299,000 | 5,000 |
| Average total loans | $65,688,000 | 4,139 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 1,615 |
| Cost of funding earning assets | 0.3062% | 4,002 |
| Net interest margin | 4.1681% | 1,187 |
| Noninterest income to average assets | 0.3458% | 4,264 |
| Noninterest expense to average assets | 3.0749% | 2,106 |
| Loan and lease loss provision to assets | 0.1002% | 2,379 |
| Net operating income to assets | 1.0461% | 2,155 |
| Return on assets (ROA) | 1.0540% | 2,221 |
| Pretax return on assets | 1.1231% | 3,004 |
| Return on Equity (ROE) | 12.8194% | 1,038 |
| Retained earnings to average equity (ytd only) | 7.0623% | 1,208 |
| Net charge-offs to loans | 0.0017% | 4,221 |
| Credit loss provision to net charge-offs | 8,400.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,019.0000% | 75 |
| Efficiency ratio | 71.6787% | 2,635 |
| Assets per employee ($millions) | 4.0163% | 3,936 |
| Cash dividends to net income (ytd only)* | 44.9095% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.2753% | 2,128 |
| Net loans and leases to deposits | 90.3318% | 1,648 |
| Net loans and leases to core deposits | 92.3007% | 2,271 |
| Total domestic deposits to total assets | 80.0109% | 4,572 |
| Equity capital to assets | 8.1034% | 5,516 |
| Core capital (leverage) ratio | 8.4044% | 5,365 |
| Tier 1 risk-based capital ratio | 10.7767% | 5,450 |
| Total risk-based capital ratio | 11.9028% | 5,428 |
| Memoranda: | ||
| Average total assets | $83,871,600 | 4,655 |
| Average earning assets | $79,365,400 | 4,601 |
| Average equity | $6,895,800 | 5,111 |
| Average total loans | $59,411,600 | 4,320 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,649 |
| Cost of funding earning assets | 0.3053% | 4,040 |
| Net interest margin | 4.1604% | 1,227 |
| Noninterest income to average assets | 0.3577% | 4,222 |
| Noninterest expense to average assets | 2.9679% | 2,407 |
| Loan and lease loss provision to assets | 0.0951% | 2,325 |
| Net operating income to assets | 1.2120% | 1,601 |
| Return on assets (ROA) | 1.2229% | 1,647 |
| Pretax return on assets | 1.2584% | 2,583 |
| Return on Equity (ROE) | 14.8171% | 691 |
| Retained earnings to average equity (ytd only) | 10.8347% | 445 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8598% | 3,067 |
| Assets per employee ($millions) | 3.5875% | 4,661 |
| Cash dividends to net income (ytd only)* | 26.8773% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.9179% | 2,208 |
| Net loans and leases to deposits | 83.0087% | 2,599 |
| Net loans and leases to core deposits | 84.3727% | 3,091 |
| Total domestic deposits to total assets | 86.6389% | 2,059 |
| Equity capital to assets | 8.2647% | 5,639 |
| Core capital (leverage) ratio | 8.0752% | 5,650 |
| Tier 1 risk-based capital ratio | 10.6678% | 5,540 |
| Total risk-based capital ratio | 11.7990% | 5,522 |
| Memoranda: | ||
| Average total assets | $82,750,000 | 4,710 |
| Average earning assets | $78,612,750 | 4,648 |
| Average equity | $6,829,750 | 5,170 |
| Average total loans | $58,112,000 | 4,382 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 1,815 |
| Cost of funding earning assets | 0.2983% | 4,152 |
| Net interest margin | 4.1067% | 1,350 |
| Noninterest income to average assets | 0.3675% | 4,121 |
| Noninterest expense to average assets | 2.9179% | 2,622 |
| Loan and lease loss provision to assets | 0.0882% | 2,380 |
| Net operating income to assets | 1.2402% | 1,462 |
| Return on assets (ROA) | 1.2568% | 1,519 |
| Pretax return on assets | 1.2911% | 2,446 |
| Return on Equity (ROE) | 15.2354% | 644 |
| Retained earnings to average equity (ytd only) | 10.8994% | 449 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1740% | 3,303 |
| Assets per employee ($millions) | 4.1769% | 3,603 |
| Cash dividends to net income (ytd only)* | 28.4600% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.4521% | 2,096 |
| Net loans and leases to deposits | 83.5842% | 2,516 |
| Net loans and leases to core deposits | 84.9963% | 2,988 |
| Total domestic deposits to total assets | 86.6815% | 2,068 |
| Equity capital to assets | 8.3291% | 5,682 |
| Core capital (leverage) ratio | 7.9491% | 5,755 |
| Tier 1 risk-based capital ratio | 10.7093% | 5,575 |
| Total risk-based capital ratio | 11.8400% | 5,548 |
| Memoranda: | ||
| Average total assets | $81,633,000 | 4,779 |
| Average earning assets | $77,775,000 | 4,706 |
| Average equity | $6,734,330 | 5,238 |
| Average total loans | $56,600,330 | 4,456 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,146 |
| Cost of funding earning assets | 0.2819% | 4,364 |
| Net interest margin | 4.0146% | 1,570 |
| Noninterest income to average assets | 0.4115% | 3,737 |
| Noninterest expense to average assets | 2.8210% | 2,992 |
| Loan and lease loss provision to assets | 0.0694% | 2,564 |
| Net operating income to assets | 1.3046% | 1,240 |
| Return on assets (ROA) | 1.3386% | 1,237 |
| Pretax return on assets | 1.3684% | 2,012 |
| Return on Equity (ROE) | 16.3080% | 503 |
| Retained earnings to average equity (ytd only) | 14.6772% | 273 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7840% | 3,669 |
| Assets per employee ($millions) | 4.2441% | 3,507 |
| Cash dividends to net income (ytd only)* | 10.0000% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.8496% | 3,130 |
| Net loans and leases to deposits | 70.5479% | 3,809 |
| Net loans and leases to core deposits | 71.6508% | 4,092 |
| Total domestic deposits to total assets | 91.9228% | 116 |
| Equity capital to assets | 7.9841% | 5,832 |
| Core capital (leverage) ratio | 8.2005% | 5,652 |
| Tier 1 risk-based capital ratio | 11.4500% | 5,258 |
| Total risk-based capital ratio | 12.6432% | 5,190 |
| Memoranda: | ||
| Average total assets | $80,680,500 | 4,843 |
| Average earning assets | $76,620,000 | 4,781 |
| Average equity | $6,622,500 | 5,298 |
| Average total loans | $54,287,000 | 4,544 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,060 |
| Cost of funding earning assets | 0.3083% | 4,163 |
| Net interest margin | 4.0419% | 1,585 |
| Noninterest income to average assets | 0.3768% | 4,209 |
| Noninterest expense to average assets | 2.9491% | 2,706 |
| Loan and lease loss provision to assets | 0.1150% | 2,081 |
| Net operating income to assets | 1.1038% | 1,910 |
| Return on assets (ROA) | 1.1725% | 1,732 |
| Pretax return on assets | 1.2185% | 2,596 |
| Return on Equity (ROE) | 14.4549% | 774 |
| Retained earnings to average equity (ytd only) | 4.8025% | 2,568 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0334% | 3,224 |
| Assets per employee ($millions) | 4.2489% | 3,492 |
| Cash dividends to net income (ytd only)* | 66.7756% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.2309% | 2,673 |
| Net loans and leases to deposits | 74.6090% | 3,424 |
| Net loans and leases to core deposits | 75.9092% | 3,764 |
| Total domestic deposits to total assets | 91.4514% | 188 |
| Equity capital to assets | 8.4571% | 5,594 |
| Core capital (leverage) ratio | 7.9827% | 5,845 |
| Tier 1 risk-based capital ratio | 11.5855% | 5,200 |
| Total risk-based capital ratio | 12.8138% | 5,120 |
| Memoranda: | ||
| Average total assets | $78,293,800 | 4,903 |
| Average earning assets | $74,272,400 | 4,849 |
| Average equity | $6,350,800 | 5,365 |
| Average total loans | $53,007,400 | 4,579 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,263 |
| Cost of funding earning assets | 0.3101% | 4,229 |
| Net interest margin | 3.9810% | 1,762 |
| Noninterest income to average assets | 0.3945% | 4,122 |
| Noninterest expense to average assets | 2.7852% | 3,250 |
| Loan and lease loss provision to assets | 0.1490% | 1,463 |
| Net operating income to assets | 1.1999% | 1,653 |
| Return on assets (ROA) | 1.2919% | 1,416 |
| Pretax return on assets | 1.3376% | 2,257 |
| Return on Equity (ROE) | 16.0929% | 578 |
| Retained earnings to average equity (ytd only) | 11.4316% | 423 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6802% | 3,768 |
| Assets per employee ($millions) | 4.4459% | 3,100 |
| Cash dividends to net income (ytd only)* | 28.9646% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.4888% | 2,934 |
| Net loans and leases to deposits | 72.5937% | 3,693 |
| Net loans and leases to core deposits | 74.0753% | 4,011 |
| Total domestic deposits to total assets | 91.5903% | 144 |
| Equity capital to assets | 8.2122% | 5,865 |
| Core capital (leverage) ratio | 8.1794% | 5,789 |
| Tier 1 risk-based capital ratio | 11.7074% | 5,263 |
| Total risk-based capital ratio | 12.9001% | 5,214 |
| Memoranda: | ||
| Average total assets | $78,747,250 | 4,953 |
| Average earning assets | $74,820,250 | 4,897 |
| Average equity | $6,321,500 | 5,437 |
| Average total loans | $53,047,000 | 4,632 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 2,302 |
| Cost of funding earning assets | 0.3073% | 4,322 |
| Net interest margin | 3.9575% | 1,784 |
| Noninterest income to average assets | 0.4137% | 3,979 |
| Noninterest expense to average assets | 2.7962% | 3,245 |
| Loan and lease loss provision to assets | 0.1864% | 1,081 |
| Net operating income to assets | 1.1381% | 1,813 |
| Return on assets (ROA) | 1.2768% | 1,451 |
| Pretax return on assets | 1.3228% | 2,277 |
| Return on Equity (ROE) | 16.0308% | 606 |
| Retained earnings to average equity (ytd only) | 11.0612% | 502 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1779% | 3,801 |
| Assets per employee ($millions) | 4.3434% | 3,227 |
| Cash dividends to net income (ytd only)* | 31.0000% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.6076% | 2,699 |
| Net loans and leases to deposits | 73.5647% | 3,547 |
| Net loans and leases to core deposits | 75.0927% | 3,842 |
| Total domestic deposits to total assets | 91.9022% | 135 |
| Equity capital to assets | 7.9584% | 6,003 |
| Core capital (leverage) ratio | 7.8720% | 5,986 |
| Tier 1 risk-based capital ratio | 11.4314% | 5,508 |
| Total risk-based capital ratio | 12.6049% | 5,471 |
| Memoranda: | ||
| Average total assets | $78,320,670 | 5,012 |
| Average earning assets | $74,187,670 | 4,957 |
| Average equity | $6,238,000 | 5,496 |
| Average total loans | $52,771,670 | 4,678 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 2,557 |
| Cost of funding earning assets | 0.2916% | 4,535 |
| Net interest margin | 3.8822% | 1,956 |
| Noninterest income to average assets | 0.4797% | 3,429 |
| Noninterest expense to average assets | 2.8269% | 3,151 |
| Loan and lease loss provision to assets | 0.0765% | 2,421 |
| Net operating income to assets | 1.1991% | 1,553 |
| Return on assets (ROA) | 1.1991% | 1,652 |
| Pretax return on assets | 1.2451% | 2,490 |
| Return on Equity (ROE) | 15.0496% | 700 |
| Retained earnings to average equity (ytd only) | 12.8722% | 460 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1427% | 3,801 |
| Assets per employee ($millions) | 4.7291% | 2,718 |
| Cash dividends to net income (ytd only)* | 14.4681% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.4591% | 3,293 |
| Net loans and leases to deposits | 67.8971% | 3,964 |
| Net loans and leases to core deposits | 69.2645% | 4,228 |
| Total domestic deposits to total assets | 91.9908% | 146 |
| Equity capital to assets | 7.9234% | 6,061 |
| Core capital (leverage) ratio | 7.9589% | 5,964 |
| Tier 1 risk-based capital ratio | 11.7980% | 5,372 |
| Total risk-based capital ratio | 12.9266% | 5,357 |
| Memoranda: | ||
| Average total assets | $78,390,000 | 5,061 |
| Average earning assets | $74,082,500 | 5,001 |
| Average equity | $6,246,000 | 5,542 |
| Average total loans | $52,404,500 | 4,720 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,939 |
| Cost of funding earning assets | 0.3142% | 4,641 |
| Net interest margin | 4.1694% | 1,390 |
| Noninterest income to average assets | 0.3667% | 4,460 |
| Noninterest expense to average assets | 3.0660% | 2,636 |
| Loan and lease loss provision to assets | 0.0782% | 2,917 |
| Net operating income to assets | 1.1274% | 1,875 |
| Return on assets (ROA) | 1.2722% | 1,417 |
| Pretax return on assets | 1.3134% | 2,197 |
| Return on Equity (ROE) | 16.1745% | 603 |
| Retained earnings to average equity (ytd only) | 4.5903% | 2,910 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1646% | 3,343 |
| Assets per employee ($millions) | 4.4932% | 3,051 |
| Cash dividends to net income (ytd only)* | 71.6201% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 4,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.9457% | 2,245 |
| Net loans and leases to deposits | 81.3236% | 2,564 |
| Net loans and leases to core deposits | 82.4264% | 3,059 |
| Total domestic deposits to total assets | 86.0090% | 2,834 |
| Equity capital to assets | 8.0147% | 6,065 |
| Core capital (leverage) ratio | 8.3375% | 5,740 |
| Tier 1 risk-based capital ratio | 10.1163% | 6,226 |
| Total risk-based capital ratio | 11.0912% | 6,260 |
| Memoranda: | ||
| Average total assets | $70,351,800 | 5,276 |
| Average earning assets | $66,508,800 | 5,213 |
| Average equity | $5,533,400 | 5,734 |
| Average total loans | $48,165,600 | 4,879 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 1,981 |
| Cost of funding earning assets | 0.3226% | 4,646 |
| Net interest margin | 4.1466% | 1,445 |
| Noninterest income to average assets | 0.3370% | 4,743 |
| Noninterest expense to average assets | 3.0542% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1807% | 1,749 |
| Return on assets (ROA) | 1.4080% | 1,158 |
| Pretax return on assets | 1.4506% | 1,805 |
| Return on Equity (ROE) | 17.9960% | 448 |
| Retained earnings to average equity (ytd only) | 12.7482% | 352 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5193% | 3,267 |
| Assets per employee ($millions) | 4.0269% | 3,822 |
| Cash dividends to net income (ytd only)* | 29.1609% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 68.2501% | 2,491 |
| Net loans and leases to deposits | 75.3168% | 3,271 |
| Net loans and leases to core deposits | 76.3968% | 3,699 |
| Total domestic deposits to total assets | 90.6175% | 487 |
| Equity capital to assets | 8.2840% | 5,958 |
| Core capital (leverage) ratio | 7.9182% | 6,119 |
| Tier 1 risk-based capital ratio | 10.6549% | 6,151 |
| Total risk-based capital ratio | 11.6573% | 6,194 |
| Memoranda: | ||
| Average total assets | $68,843,500 | 5,378 |
| Average earning assets | $65,304,250 | 5,300 |
| Average equity | $5,386,250 | 5,827 |
| Average total loans | $46,706,000 | 4,976 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 2,292 |
| Cost of funding earning assets | 0.3215% | 4,740 |
| Net interest margin | 4.0483% | 1,666 |
| Noninterest income to average assets | 0.3016% | 4,994 |
| Noninterest expense to average assets | 2.9171% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1848% | 1,638 |
| Return on assets (ROA) | 1.4267% | 1,046 |
| Pretax return on assets | 1.4673% | 1,646 |
| Return on Equity (ROE) | 18.5965% | 399 |
| Retained earnings to average equity (ytd only) | 13.0402% | 333 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5470% | 3,565 |
| Assets per employee ($millions) | 4.1146% | 3,618 |
| Cash dividends to net income (ytd only)* | 29.8780% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 5,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.0870% | 2,226 |
| Net loans and leases to deposits | 75.1462% | 3,170 |
| Net loans and leases to core deposits | 76.1827% | 3,611 |
| Total domestic deposits to total assets | 91.9369% | 179 |
| Equity capital to assets | 7.9202% | 6,194 |
| Core capital (leverage) ratio | 7.5607% | 6,295 |
| Tier 1 risk-based capital ratio | 10.0233% | 6,393 |
| Total risk-based capital ratio | 10.9962% | 6,444 |
| Memoranda: | ||
| Average total assets | $68,972,330 | 5,420 |
| Average earning assets | $65,310,670 | 5,339 |
| Average equity | $5,291,330 | 5,889 |
| Average total loans | $46,527,000 | 5,017 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,598 |
| Cost of funding earning assets | 0.3153% | 4,913 |
| Net interest margin | 3.9634% | 1,878 |
| Noninterest income to average assets | 0.3096% | 4,889 |
| Noninterest expense to average assets | 2.9087% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1083% | 1,784 |
| Return on assets (ROA) | 1.2499% | 1,404 |
| Pretax return on assets | 1.2908% | 2,122 |
| Return on Equity (ROE) | 16.5667% | 581 |
| Retained earnings to average equity (ytd only) | 14.5539% | 356 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7579% | 3,532 |
| Assets per employee ($millions) | 4.0111% | 3,930 |
| Cash dividends to net income (ytd only)* | 12.1495% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 66.0224% | 2,559 |
| Net loans and leases to deposits | 71.6218% | 3,392 |
| Net loans and leases to core deposits | 72.6316% | 3,803 |
| Total domestic deposits to total assets | 92.1820% | 209 |
| Equity capital to assets | 7.7285% | 6,221 |
| Core capital (leverage) ratio | 7.9395% | 6,152 |
| Tier 1 risk-based capital ratio | 10.4241% | 6,354 |
| Total risk-based capital ratio | 11.4663% | 6,385 |
| Memoranda: | ||
| Average total assets | $68,484,500 | 5,493 |
| Average earning assets | $64,692,500 | 5,420 |
| Average equity | $5,167,000 | 5,956 |
| Average total loans | $45,367,500 | 5,105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 3,195 |
| Cost of funding earning assets | 0.3508% | 5,125 |
| Net interest margin | 3.8884% | 2,331 |
| Noninterest income to average assets | 0.4337% | 4,205 |
| Noninterest expense to average assets | 3.0241% | 2,982 |
| Loan and lease loss provision to assets | 0.1475% | 2,441 |
| Net operating income to assets | 0.9200% | 2,679 |
| Return on assets (ROA) | 1.0503% | 2,187 |
| Pretax return on assets | 1.0931% | 2,971 |
| Return on Equity (ROE) | 13.4026% | 1,087 |
| Retained earnings to average equity (ytd only) | 0.2824% | 5,720 |
| Net charge-offs to loans | -0.0221% | 6,158 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2404% | 3,253 |
| Assets per employee ($millions) | 4.0459% | 3,769 |
| Cash dividends to net income (ytd only)* | 97.8933% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 4,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.9506% | 2,880 |
| Net loans and leases to deposits | 78.7287% | 2,628 |
| Net loans and leases to core deposits | 79.9574% | 3,141 |
| Total domestic deposits to total assets | 82.4993% | 4,712 |
| Equity capital to assets | 7.3626% | 6,341 |
| Core capital (leverage) ratio | 7.4272% | 6,399 |
| Tier 1 risk-based capital ratio | 10.0215% | 6,513 |
| Total risk-based capital ratio | 11.0610% | 6,520 |
| Memoranda: | ||
| Average total assets | $67,789,600 | 5,546 |
| Average earning assets | $64,422,000 | 5,450 |
| Average equity | $5,312,400 | 5,982 |
| Average total loans | $40,755,000 | 5,315 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 3,562 |
| Cost of funding earning assets | 0.3596% | 5,203 |
| Net interest margin | 3.7920% | 2,666 |
| Noninterest income to average assets | 0.4619% | 4,062 |
| Noninterest expense to average assets | 2.9018% | 3,303 |
| Loan and lease loss provision to assets | 0.1974% | 1,845 |
| Net operating income to assets | 0.9490% | 2,599 |
| Return on assets (ROA) | 1.1252% | 1,976 |
| Pretax return on assets | 1.1686% | 2,814 |
| Return on Equity (ROE) | 14.1405% | 967 |
| Retained earnings to average equity (ytd only) | 6.7973% | 1,976 |
| Net charge-offs to loans | -0.0303% | 6,168 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0488% | 3,599 |
| Assets per employee ($millions) | 3.6192% | 4,624 |
| Cash dividends to net income (ytd only)* | 51.9303% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,768 |
| Loan loss allowance to noncurrent loans | 1,860.7143% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 6,344 |
| Noncurrent loans to loans | 0.0658% | 6,142 |
| Net loans and leases to total assets | 64.5427% | 2,912 |
| Net loans and leases to deposits | 75.5738% | 3,017 |
| Net loans and leases to core deposits | 76.7757% | 3,525 |
| Total domestic deposits to total assets | 85.4036% | 3,540 |
| Equity capital to assets | 8.1739% | 6,028 |
| Core capital (leverage) ratio | 7.9599% | 6,250 |
| Tier 1 risk-based capital ratio | 11.1621% | 6,212 |
| Total risk-based capital ratio | 12.2628% | 6,234 |
| Memoranda: | ||
| Average total assets | $67,542,000 | 5,608 |
| Average earning assets | $64,520,000 | 5,510 |
| Average equity | $5,374,500 | 6,043 |
| Average total loans | $39,645,250 | 5,409 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,885 |
| Cost of funding earning assets | 0.3606% | 5,312 |
| Net interest margin | 3.6974% | 2,967 |
| Noninterest income to average assets | 0.4478% | 4,177 |
| Noninterest expense to average assets | 2.7773% | 3,754 |
| Loan and lease loss provision to assets | 0.2341% | 1,588 |
| Net operating income to assets | 0.9433% | 2,601 |
| Return on assets (ROA) | 1.1765% | 1,762 |
| Pretax return on assets | 1.2204% | 2,586 |
| Return on Equity (ROE) | 14.9137% | 825 |
| Retained earnings to average equity (ytd only) | 6.4923% | 2,152 |
| Net charge-offs to loans | -0.0414% | 6,204 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6258% | 3,901 |
| Assets per employee ($millions) | 3.9471% | 3,917 |
| Cash dividends to net income (ytd only)* | 56.4677% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 4,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.8232% | 3,516 |
| Net loans and leases to deposits | 67.3437% | 4,096 |
| Net loans and leases to core deposits | 68.3234% | 4,461 |
| Total domestic deposits to total assets | 90.3176% | 849 |
| Equity capital to assets | 7.8583% | 6,291 |
| Core capital (leverage) ratio | 7.5141% | 6,447 |
| Tier 1 risk-based capital ratio | 11.2612% | 6,219 |
| Total risk-based capital ratio | 12.3474% | 6,269 |
| Memoranda: | ||
| Average total assets | $68,340,670 | 5,626 |
| Average earning assets | $65,450,670 | 5,515 |
| Average equity | $5,391,000 | 6,081 |
| Average total loans | $38,671,000 | 5,483 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 4,340 |
| Cost of funding earning assets | 0.3585% | 5,458 |
| Net interest margin | 3.5792% | 3,348 |
| Noninterest income to average assets | 0.4292% | 4,255 |
| Noninterest expense to average assets | 2.5754% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2239% | 1,457 |
| Return on assets (ROA) | 1.2239% | 1,569 |
| Pretax return on assets | 1.2703% | 2,339 |
| Return on Equity (ROE) | 15.4862% | 679 |
| Retained earnings to average equity (ytd only) | 13.0642% | 553 |
| Net charge-offs to loans | -0.0428% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9683% | 4,494 |
| Assets per employee ($millions) | 4.2713% | 3,391 |
| Cash dividends to net income (ytd only)* | 15.6398% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 53.4584% | 4,491 |
| Net loans and leases to deposits | 58.2187% | 5,005 |
| Net loans and leases to core deposits | 58.7316% | 5,267 |
| Total domestic deposits to total assets | 91.8234% | 280 |
| Equity capital to assets | 8.0830% | 6,338 |
| Core capital (leverage) ratio | 7.6171% | 6,409 |
| Tier 1 risk-based capital ratio | 12.3204% | 5,701 |
| Total risk-based capital ratio | 13.3085% | 5,832 |
| Memoranda: | ||
| Average total assets | $68,960,500 | 5,661 |
| Average earning assets | $65,825,500 | 5,553 |
| Average equity | $5,450,000 | 6,116 |
| Average total loans | $37,350,000 | 5,569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 4,133 |
| Cost of funding earning assets | 0.5008% | 5,215 |
| Net interest margin | 3.8163% | 3,157 |
| Noninterest income to average assets | 0.4014% | 4,599 |
| Noninterest expense to average assets | 2.9571% | 3,444 |
| Loan and lease loss provision to assets | 0.0310% | 5,506 |
| Net operating income to assets | 0.9907% | 2,379 |
| Return on assets (ROA) | 1.1097% | 2,086 |
| Pretax return on assets | 1.1515% | 2,982 |
| Return on Equity (ROE) | 13.0910% | 1,203 |
| Retained earnings to average equity (ytd only) | 1.8649% | 4,905 |
| Net charge-offs to loans | -0.0290% | 6,610 |
| Credit loss provision to net charge-offs | -200.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6395% | 3,127 |
| Assets per employee ($millions) | 4.3488% | 3,259 |
| Cash dividends to net income (ytd only)* | 85.7542% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 53.6620% | 4,664 |
| Net loans and leases to deposits | 58.2097% | 5,218 |
| Net loans and leases to core deposits | 58.7103% | 5,479 |
| Total domestic deposits to total assets | 92.1874% | 212 |
| Equity capital to assets | 7.7264% | 6,538 |
| Core capital (leverage) ratio | 7.7100% | 6,401 |
| Tier 1 risk-based capital ratio | 11.6449% | 6,004 |
| Total risk-based capital ratio | 12.6029% | 6,163 |
| Memoranda: | ||
| Average total assets | $64,522,400 | 5,797 |
| Average earning assets | $61,105,600 | 5,701 |
| Average equity | $5,469,400 | 6,157 |
| Average total loans | $34,503,200 | 5,739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 4,046 |
| Cost of funding earning assets | 0.5359% | 5,204 |
| Net interest margin | 3.8650% | 3,051 |
| Noninterest income to average assets | 0.4068% | 4,584 |
| Noninterest expense to average assets | 2.8981% | 3,607 |
| Loan and lease loss provision to assets | 0.0422% | 5,247 |
| Net operating income to assets | 1.0969% | 2,103 |
| Return on assets (ROA) | 1.2604% | 1,703 |
| Pretax return on assets | 1.2983% | 2,618 |
| Return on Equity (ROE) | 14.5157% | 997 |
| Retained earnings to average equity (ytd only) | 11.7000% | 581 |
| Net charge-offs to loans | -0.0198% | 6,493 |
| Credit loss provision to net charge-offs | -400.0000% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2066% | 3,468 |
| Assets per employee ($millions) | 4.2127% | 3,442 |
| Cash dividends to net income (ytd only)* | 19.3977% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.7159% | 5,461 |
| Net loans and leases to deposits | 53.4223% | 5,856 |
| Net loans and leases to core deposits | 54.9373% | 5,973 |
| Total domestic deposits to total assets | 91.1903% | 363 |
| Equity capital to assets | 8.6302% | 6,158 |
| Core capital (leverage) ratio | 8.1201% | 6,212 |
| Tier 1 risk-based capital ratio | 13.9406% | 4,575 |
| Total risk-based capital ratio | 14.9934% | 4,682 |
| Memoranda: | ||
| Average total assets | $63,258,000 | 5,906 |
| Average earning assets | $59,955,500 | 5,809 |
| Average equity | $5,492,750 | 6,220 |
| Average total loans | $33,691,500 | 5,845 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 3,947 |
| Cost of funding earning assets | 0.5671% | 5,171 |
| Net interest margin | 3.8910% | 2,947 |
| Noninterest income to average assets | 0.3976% | 4,670 |
| Noninterest expense to average assets | 2.9607% | 3,406 |
| Loan and lease loss provision to assets | 0.0646% | 4,838 |
| Net operating income to assets | 1.0149% | 2,399 |
| Return on assets (ROA) | 1.0149% | 2,622 |
| Pretax return on assets | 1.0537% | 3,500 |
| Return on Equity (ROE) | 11.6627% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.8771% | 1,314 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5832% | 3,326 |
| Assets per employee ($millions) | 3.9991% | 3,879 |
| Cash dividends to net income (ytd only)* | 23.8854% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 50.8744% | 5,242 |
| Net loans and leases to deposits | 55.8114% | 5,673 |
| Net loans and leases to core deposits | 57.4778% | 5,814 |
| Total domestic deposits to total assets | 91.1542% | 404 |
| Equity capital to assets | 8.7130% | 6,010 |
| Core capital (leverage) ratio | 7.9847% | 6,293 |
| Tier 1 risk-based capital ratio | 13.3539% | 4,927 |
| Total risk-based capital ratio | 14.3973% | 5,053 |
| Memoranda: | ||
| Average total assets | $61,876,330 | 5,983 |
| Average earning assets | $58,544,670 | 5,890 |
| Average equity | $5,384,670 | 6,271 |
| Average total loans | $33,841,000 | 5,878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 3,617 |
| Cost of funding earning assets | 0.6008% | 5,116 |
| Net interest margin | 3.9749% | 2,610 |
| Noninterest income to average assets | 0.3551% | 5,028 |
| Noninterest expense to average assets | 2.8148% | 3,972 |
| Loan and lease loss provision to assets | 0.1315% | 3,704 |
| Net operating income to assets | 1.1114% | 2,028 |
| Return on assets (ROA) | 1.1114% | 2,208 |
| Pretax return on assets | 1.1509% | 3,108 |
| Return on Equity (ROE) | 12.7800% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.0238% | 819 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6998% | 4,034 |
| Assets per employee ($millions) | 3.8541% | 4,305 |
| Cash dividends to net income (ytd only)* | 5.9172% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 51.9395% | 5,035 |
| Net loans and leases to deposits | 57.1263% | 5,475 |
| Net loans and leases to core deposits | 59.4804% | 5,579 |
| Total domestic deposits to total assets | 90.9204% | 592 |
| Equity capital to assets | 8.9887% | 5,512 |
| Core capital (leverage) ratio | 8.6880% | 5,316 |
| Tier 1 risk-based capital ratio | 13.3184% | 4,962 |
| Total risk-based capital ratio | 14.3755% | 5,086 |
| Memoranda: | ||
| Average total assets | $60,822,000 | 6,042 |
| Average earning assets | $57,259,000 | 5,964 |
| Average equity | $5,289,500 | 6,340 |
| Average total loans | $34,284,500 | 5,908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 3,472 |
| Cost of funding earning assets | 0.8432% | 4,523 |
| Net interest margin | 4.0329% | 2,719 |
| Noninterest income to average assets | 0.3690% | 4,867 |
| Noninterest expense to average assets | 3.1602% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9818% | 2,269 |
| Return on assets (ROA) | 1.0406% | 2,186 |
| Pretax return on assets | 1.0843% | 2,898 |
| Return on Equity (ROE) | 11.8943% | 1,431 |
| Retained earnings to average equity (ytd only) | 2.2189% | 4,637 |
| Net charge-offs to loans | 0.0595% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 30.7895% | 829 |
| Efficiency ratio | 75.5435% | 2,967 |
| Assets per employee ($millions) | 3.7486% | 4,439 |
| Cash dividends to net income (ytd only)* | 81.3445% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.6152% | 4,056 |
| Net loans and leases to deposits | 67.0253% | 4,575 |
| Net loans and leases to core deposits | 69.9261% | 4,785 |
| Total domestic deposits to total assets | 88.9443% | 1,575 |
| Equity capital to assets | 8.3964% | 6,248 |
| Core capital (leverage) ratio | 7.9190% | 6,341 |
| Tier 1 risk-based capital ratio | 10.8668% | 6,526 |
| Total risk-based capital ratio | 11.7680% | 6,659 |
| Memoranda: | ||
| Average total assets | $57,180,000 | 6,134 |
| Average earning assets | $54,080,200 | 6,043 |
| Average equity | $5,002,400 | 6,449 |
| Average total loans | $31,910,600 | 6,075 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 3,792 |
| Cost of funding earning assets | 0.8768% | 4,570 |
| Net interest margin | 3.9719% | 3,038 |
| Noninterest income to average assets | 0.3635% | 4,960 |
| Noninterest expense to average assets | 3.1042% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9947% | 2,345 |
| Return on assets (ROA) | 1.0717% | 2,213 |
| Pretax return on assets | 1.1142% | 2,952 |
| Return on Equity (ROE) | 12.1209% | 1,522 |
| Retained earnings to average equity (ytd only) | 6.1940% | 2,431 |
| Net charge-offs to loans | 0.0778% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 24.3329% | 1,078 |
| Efficiency ratio | 75.0143% | 2,998 |
| Assets per employee ($millions) | 3.7301% | 4,459 |
| Cash dividends to net income (ytd only)* | 48.8981% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.6023% | 4,903 |
| Net loans and leases to deposits | 61.0943% | 5,508 |
| Net loans and leases to core deposits | 63.6807% | 5,655 |
| Total domestic deposits to total assets | 91.0105% | 428 |
| Equity capital to assets | 8.7716% | 6,011 |
| Core capital (leverage) ratio | 8.1693% | 6,166 |
| Tier 1 risk-based capital ratio | 11.0949% | 6,481 |
| Total risk-based capital ratio | 11.9937% | 6,668 |
| Memoranda: | ||
| Average total assets | $56,480,500 | 6,199 |
| Average earning assets | $53,676,250 | 6,107 |
| Average equity | $4,994,000 | 6,500 |
| Average total loans | $30,853,750 | 6,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 3,819 |
| Cost of funding earning assets | 0.9052% | 4,617 |
| Net interest margin | 3.9543% | 3,071 |
| Noninterest income to average assets | 0.3609% | 4,990 |
| Noninterest expense to average assets | 3.0678% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0174% | 2,155 |
| Return on assets (ROA) | 1.0936% | 1,983 |
| Pretax return on assets | 1.1405% | 2,693 |
| Return on Equity (ROE) | 12.3329% | 1,400 |
| Retained earnings to average equity (ytd only) | 3.2969% | 4,160 |
| Net charge-offs to loans | 0.1202% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,349 |
| Efficiency ratio | 74.3007% | 3,309 |
| Assets per employee ($millions) | 3.5250% | 4,881 |
| Cash dividends to net income (ytd only)* | 73.2673% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 49.1365% | 5,928 |
| Net loans and leases to deposits | 54.0784% | 6,299 |
| Net loans and leases to core deposits | 56.5018% | 6,378 |
| Total domestic deposits to total assets | 90.8617% | 561 |
| Equity capital to assets | 8.9734% | 5,619 |
| Core capital (leverage) ratio | 7.8332% | 6,478 |
| Tier 1 risk-based capital ratio | 12.0826% | 5,720 |
| Total risk-based capital ratio | 13.0936% | 5,880 |
| Memoranda: | ||
| Average total assets | $55,413,670 | 6,280 |
| Average earning assets | $52,803,670 | 6,190 |
| Average equity | $4,913,670 | 6,564 |
| Average total loans | $29,949,330 | 6,275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 3,240 |
| Cost of funding earning assets | 0.9088% | 4,857 |
| Net interest margin | 4.0631% | 2,418 |
| Noninterest income to average assets | 0.3350% | 5,227 |
| Noninterest expense to average assets | 3.0080% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1508% | 1,663 |
| Return on assets (ROA) | 1.1508% | 1,709 |
| Pretax return on assets | 1.2017% | 2,359 |
| Return on Equity (ROE) | 13.0579% | 1,179 |
| Retained earnings to average equity (ytd only) | 4.6281% | 3,415 |
| Net charge-offs to loans | 0.2332% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 1,752 |
| Efficiency ratio | 71.4533% | 3,967 |
| Assets per employee ($millions) | 3.7091% | 4,517 |
| Cash dividends to net income (ytd only)* | 64.5570% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 5,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 52.3680% | 5,532 |
| Net loans and leases to deposits | 57.4969% | 5,974 |
| Net loans and leases to core deposits | 60.0953% | 6,088 |
| Total domestic deposits to total assets | 91.0797% | 589 |
| Equity capital to assets | 8.7675% | 5,548 |
| Core capital (leverage) ratio | 8.2708% | 5,865 |
| Tier 1 risk-based capital ratio | 12.1189% | 5,580 |
| Total risk-based capital ratio | 13.1388% | 5,784 |
| Memoranda: | ||
| Average total assets | $54,920,500 | 6,348 |
| Average earning assets | $52,374,000 | 6,260 |
| Average equity | $4,840,000 | 6,608 |
| Average total loans | $30,876,000 | 6,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 2,867 |
| Cost of funding earning assets | 1.1595% | 4,793 |
| Net interest margin | 4.1970% | 2,199 |
| Noninterest income to average assets | 0.3407% | 5,355 |
| Noninterest expense to average assets | 3.2722% | 2,824 |
| Loan and lease loss provision to assets | 0.0192% | 6,921 |
| Net operating income to assets | 1.0089% | 2,011 |
| Return on assets (ROA) | 1.0818% | 1,850 |
| Pretax return on assets | 1.1164% | 2,520 |
| Return on Equity (ROE) | 11.6893% | 1,396 |
| Retained earnings to average equity (ytd only) | 0.6448% | 5,253 |
| Net charge-offs to loans | 0.1158% | 5,721 |
| Credit loss provision to net charge-offs | 28.5714% | 6,502 |
| Earnings coverage of net charge-offs (x) | 15.7429% | 1,262 |
| Efficiency ratio | 75.5220% | 3,120 |
| Assets per employee ($millions) | 3.8717% | 4,073 |
| Cash dividends to net income (ytd only)* | 94.4840% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 5,304 |
| Loan loss allowance to noncurrent loans | 2,227.7778% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 7,155 |
| Noncurrent loans to loans | 0.0558% | 6,987 |
| Net loans and leases to total assets | 58.7263% | 4,915 |
| Net loans and leases to deposits | 64.5850% | 5,558 |
| Net loans and leases to core deposits | 67.5753% | 5,700 |
| Total domestic deposits to total assets | 90.9287% | 633 |
| Equity capital to assets | 8.8591% | 5,341 |
| Core capital (leverage) ratio | 8.5030% | 5,361 |
| Tier 1 risk-based capital ratio | 11.1279% | 6,231 |
| Total risk-based capital ratio | 12.1202% | 6,403 |
| Memoranda: | ||
| Average total assets | $51,952,600 | 6,465 |
| Average earning assets | $49,416,200 | 6,391 |
| Average equity | $4,807,800 | 6,723 |
| Average total loans | $30,220,000 | 6,383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 3,010 |
| Cost of funding earning assets | 1.2150% | 4,772 |
| Net interest margin | 4.1583% | 2,373 |
| Noninterest income to average assets | 0.3451% | 5,407 |
| Noninterest expense to average assets | 3.2327% | 2,807 |
| Loan and lease loss provision to assets | 0.0259% | 6,810 |
| Net operating income to assets | 1.0071% | 2,209 |
| Return on assets (ROA) | 1.1053% | 1,975 |
| Pretax return on assets | 1.1390% | 2,701 |
| Return on Equity (ROE) | 11.8104% | 1,559 |
| Retained earnings to average equity (ytd only) | 1.7188% | 5,104 |
| Net charge-offs to loans | 0.0224% | 6,357 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 81.9565% | 374 |
| Efficiency ratio | 75.2415% | 3,095 |
| Assets per employee ($millions) | 3.4687% | 5,059 |
| Cash dividends to net income (ytd only)* | 85.4452% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,252 |
| Loan loss allowance to noncurrent loans | 598.6111% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 7,004 |
| Noncurrent loans to loans | 0.2407% | 6,690 |
| Net loans and leases to total assets | 56.6692% | 5,460 |
| Net loans and leases to deposits | 62.7942% | 6,048 |
| Net loans and leases to core deposits | 65.8397% | 6,140 |
| Total domestic deposits to total assets | 90.2460% | 753 |
| Equity capital to assets | 9.4984% | 4,847 |
| Core capital (leverage) ratio | 8.8389% | 4,941 |
| Tier 1 risk-based capital ratio | 12.1302% | 5,334 |
| Total risk-based capital ratio | 13.2851% | 5,398 |
| Memoranda: | ||
| Average total assets | $51,389,750 | 6,561 |
| Average earning assets | $48,832,500 | 6,477 |
| Average equity | $4,809,250 | 6,808 |
| Average total loans | $29,716,750 | 6,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3960% | 2,990 |
| Cost of funding earning assets | 1.2820% | 4,638 |
| Net interest margin | 4.1140% | 2,487 |
| Noninterest income to average assets | 0.3283% | 5,530 |
| Noninterest expense to average assets | 3.3648% | 2,357 |
| Loan and lease loss provision to assets | 0.0391% | 6,569 |
| Net operating income to assets | 0.8018% | 2,966 |
| Return on assets (ROA) | 0.9497% | 2,457 |
| Pretax return on assets | 0.9770% | 3,214 |
| Return on Equity (ROE) | 10.1994% | 2,028 |
| Retained earnings to average equity (ytd only) | -2.9801% | 6,297 |
| Net charge-offs to loans | -0.0337% | 7,375 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5749% | 2,497 |
| Assets per employee ($millions) | 3.3950% | 5,200 |
| Cash dividends to net income (ytd only)* | 129.2181% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,059 |
| Loan loss allowance to noncurrent loans | 711.2903% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 6,936 |
| Noncurrent loans to loans | 0.2069% | 6,839 |
| Net loans and leases to total assets | 57.9813% | 5,421 |
| Net loans and leases to deposits | 64.2087% | 6,016 |
| Net loans and leases to core deposits | 67.3779% | 6,108 |
| Total domestic deposits to total assets | 90.3014% | 766 |
| Equity capital to assets | 9.5081% | 4,688 |
| Core capital (leverage) ratio | 8.3117% | 5,743 |
| Tier 1 risk-based capital ratio | 11.7414% | 5,549 |
| Total risk-based capital ratio | 12.9199% | 5,573 |
| Memoranda: | ||
| Average total assets | $51,176,330 | 6,608 |
| Average earning assets | $48,517,000 | 6,530 |
| Average equity | $4,765,000 | 6,856 |
| Average total loans | $29,650,330 | 6,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 3,487 |
| Cost of funding earning assets | 1.2927% | 4,855 |
| Net interest margin | 4.0182% | 2,798 |
| Noninterest income to average assets | 0.3041% | 5,717 |
| Noninterest expense to average assets | 3.1344% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9590% | 2,332 |
| Return on assets (ROA) | 0.9590% | 2,396 |
| Pretax return on assets | 0.9746% | 3,189 |
| Return on Equity (ROE) | 10.4094% | 1,979 |
| Retained earnings to average equity (ytd only) | -4.3161% | 6,534 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2808% | 3,170 |
| Assets per employee ($millions) | 3.4089% | 5,267 |
| Cash dividends to net income (ytd only)* | 141.4634% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 4,073 |
| Loan loss allowance to noncurrent loans | 2,242.1053% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 7,242 |
| Noncurrent loans to loans | 0.0655% | 7,236 |
| Net loans and leases to total assets | 55.8641% | 5,762 |
| Net loans and leases to deposits | 63.7868% | 6,071 |
| Net loans and leases to core deposits | 67.0099% | 6,203 |
| Total domestic deposits to total assets | 87.5794% | 2,312 |
| Equity capital to assets | 9.3130% | 4,811 |
| Core capital (leverage) ratio | 8.5486% | 5,292 |
| Tier 1 risk-based capital ratio | 12.5106% | 4,736 |
| Total risk-based capital ratio | 13.7180% | 4,728 |
| Memoranda: | ||
| Average total assets | $51,302,000 | 6,689 |
| Average earning assets | $48,579,000 | 6,607 |
| Average equity | $4,726,500 | 6,935 |
| Average total loans | $29,491,500 | 6,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7475% | 2,874 |
| Cost of funding earning assets | 1.5321% | 5,367 |
| Net interest margin | 4.2154% | 2,015 |
| Noninterest income to average assets | 0.4323% | 4,935 |
| Noninterest expense to average assets | 3.1549% | 3,527 |
| Loan and lease loss provision to assets | 0.1991% | 5,746 |
| Net operating income to assets | 1.0074% | 1,813 |
| Return on assets (ROA) | 1.0074% | 1,862 |
| Pretax return on assets | 1.0617% | 2,373 |
| Return on Equity (ROE) | 10.7909% | 1,477 |
| Retained earnings to average equity (ytd only) | 0.4308% | 4,667 |
| Net charge-offs to loans | -0.0196% | 7,788 |
| Credit loss provision to net charge-offs | -1,650.0000% | 7,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4481% | 4,361 |
| Assets per employee ($millions) | 3.9593% | 3,899 |
| Cash dividends to net income (ytd only)* | 96.0080% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 4,120 |
| Loan loss allowance to noncurrent loans | 2,028.5714% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 7,250 |
| Noncurrent loans to loans | 0.0700% | 7,249 |
| Net loans and leases to total assets | 57.4421% | 5,750 |
| Net loans and leases to deposits | 65.4883% | 6,116 |
| Net loans and leases to core deposits | 74.1337% | 6,526 |
| Total domestic deposits to total assets | 87.7135% | 2,116 |
| Equity capital to assets | 9.1139% | 4,967 |
| Core capital (leverage) ratio | 8.7253% | 4,884 |
| Tier 1 risk-based capital ratio | 12.5305% | 4,498 |
| Total risk-based capital ratio | 13.7260% | 4,489 |
| Memoranda: | ||
| Average total assets | $49,732,000 | 6,719 |
| Average earning assets | $46,994,600 | 6,635 |
| Average equity | $4,642,800 | 7,067 |
| Average total loans | $30,587,000 | 6,595 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8997% | 2,452 |
| Cost of funding earning assets | 1.5771% | 5,506 |
| Net interest margin | 4.3227% | 1,668 |
| Noninterest income to average assets | 0.3976% | 5,301 |
| Noninterest expense to average assets | 3.0779% | 3,734 |
| Loan and lease loss provision to assets | 0.2678% | 4,823 |
| Net operating income to assets | 1.0954% | 1,745 |
| Return on assets (ROA) | 1.0954% | 1,805 |
| Pretax return on assets | 1.1441% | 2,433 |
| Return on Equity (ROE) | 11.6610% | 1,453 |
| Retained earnings to average equity (ytd only) | -0.4606% | 5,336 |
| Net charge-offs to loans | -0.0260% | 7,784 |
| Credit loss provision to net charge-offs | -1,650.0000% | 7,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5542% | 4,875 |
| Assets per employee ($millions) | 3.3880% | 5,186 |
| Cash dividends to net income (ytd only)* | 103.9501% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 3,881 |
| Loan loss allowance to noncurrent loans | 161.9772% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 6,012 |
| Noncurrent loans to loans | 0.8717% | 5,546 |
| Net loans and leases to total assets | 58.5321% | 5,806 |
| Net loans and leases to deposits | 67.0121% | 6,211 |
| Net loans and leases to core deposits | 75.2530% | 6,651 |
| Total domestic deposits to total assets | 87.3455% | 1,986 |
| Equity capital to assets | 9.4294% | 4,841 |
| Core capital (leverage) ratio | 9.1369% | 4,434 |
| Tier 1 risk-based capital ratio | 12.4452% | 4,592 |
| Total risk-based capital ratio | 13.6422% | 4,580 |
| Memoranda: | ||
| Average total assets | $49,297,250 | 6,791 |
| Average earning assets | $46,667,500 | 6,703 |
| Average equity | $4,630,750 | 7,134 |
| Average total loans | $30,735,750 | 6,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0311% | 2,051 |
| Cost of funding earning assets | 1.6661% | 5,444 |
| Net interest margin | 4.3649% | 1,486 |
| Noninterest income to average assets | 0.3566% | 5,655 |
| Noninterest expense to average assets | 3.2425% | 3,179 |
| Loan and lease loss provision to assets | 0.2828% | 4,314 |
| Net operating income to assets | 0.8977% | 2,467 |
| Return on assets (ROA) | 0.8977% | 2,572 |
| Pretax return on assets | 0.9551% | 3,162 |
| Return on Equity (ROE) | 9.5696% | 2,167 |
| Retained earnings to average equity (ytd only) | -7.0352% | 6,567 |
| Net charge-offs to loans | -0.0388% | 7,812 |
| Credit loss provision to net charge-offs | -1,150.0000% | 7,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3696% | 4,336 |
| Assets per employee ($millions) | 3.2125% | 5,559 |
| Cash dividends to net income (ytd only)* | 173.5160% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 4,386 |
| Loan loss allowance to noncurrent loans | 138.4615% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,772 |
| Noncurrent loans to loans | 0.9257% | 5,368 |
| Net loans and leases to total assets | 63.2938% | 5,122 |
| Net loans and leases to deposits | 70.7082% | 5,911 |
| Net loans and leases to core deposits | 78.9767% | 6,485 |
| Total domestic deposits to total assets | 89.5140% | 1,036 |
| Equity capital to assets | 9.3447% | 4,808 |
| Core capital (leverage) ratio | 8.7016% | 5,084 |
| Tier 1 risk-based capital ratio | 11.9910% | 4,927 |
| Total risk-based capital ratio | 13.0992% | 4,967 |
| Memoranda: | ||
| Average total assets | $48,789,670 | 6,877 |
| Average earning assets | $46,094,670 | 6,798 |
| Average equity | $4,577,000 | 7,213 |
| Average total loans | $30,923,670 | 6,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 2,173 |
| Cost of funding earning assets | 1.7360% | 5,445 |
| Net interest margin | 4.3099% | 1,577 |
| Noninterest income to average assets | 0.3422% | 5,717 |
| Noninterest expense to average assets | 2.9252% | 4,073 |
| Loan and lease loss provision to assets | 0.2444% | 4,024 |
| Net operating income to assets | 1.1570% | 1,781 |
| Return on assets (ROA) | 1.1570% | 1,902 |
| Pretax return on assets | 1.2385% | 2,486 |
| Return on Equity (ROE) | 12.3104% | 1,567 |
| Retained earnings to average equity (ytd only) | -12.7438% | 7,305 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3586% | 5,257 |
| Assets per employee ($millions) | 3.5131% | 4,784 |
| Cash dividends to net income (ytd only)* | 203.5211% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,936 |
| Loan loss allowance to noncurrent loans | 297.4576% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 6,619 |
| Noncurrent loans to loans | 0.3964% | 6,427 |
| Net loans and leases to total assets | 59.8174% | 5,690 |
| Net loans and leases to deposits | 66.1347% | 6,367 |
| Net loans and leases to core deposits | 73.5776% | 6,831 |
| Total domestic deposits to total assets | 90.4479% | 619 |
| Equity capital to assets | 9.3122% | 4,923 |
| Core capital (leverage) ratio | 8.8038% | 4,979 |
| Tier 1 risk-based capital ratio | 12.4023% | 4,614 |
| Total risk-based capital ratio | 13.4149% | 4,710 |
| Memoranda: | ||
| Average total assets | $49,090,500 | 6,901 |
| Average earning assets | $46,312,500 | 6,827 |
| Average equity | $4,614,000 | 7,254 |
| Average total loans | $30,937,500 | 6,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3366% | 3,752 |
| Cost of funding earning assets | 2.1847% | 5,664 |
| Net interest margin | 4.1519% | 2,491 |
| Noninterest income to average assets | 0.4369% | 5,153 |
| Noninterest expense to average assets | 2.8909% | 4,480 |
| Loan and lease loss provision to assets | 0.3062% | 3,922 |
| Net operating income to assets | 1.1364% | 2,005 |
| Return on assets (ROA) | 1.0473% | 2,259 |
| Pretax return on assets | 1.0820% | 3,086 |
| Return on Equity (ROE) | 11.9136% | 1,622 |
| Retained earnings to average equity (ytd only) | 1.7650% | 4,147 |
| Net charge-offs to loans | 0.0642% | 5,857 |
| Credit loss provision to net charge-offs | 789.4737% | 548 |
| Earnings coverage of net charge-offs (x) | 38.1579% | 972 |
| Efficiency ratio | 66.1373% | 5,102 |
| Assets per employee ($millions) | 3.7691% | 4,027 |
| Cash dividends to net income (ytd only)* | 85.1852% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,061 |
| Loan loss allowance to noncurrent loans | 1,234.6154% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 7,119 |
| Noncurrent loans to loans | 0.0810% | 7,178 |
| Net loans and leases to total assets | 64.8659% | 5,092 |
| Net loans and leases to deposits | 71.8796% | 6,071 |
| Net loans and leases to core deposits | 81.4072% | 6,502 |
| Total domestic deposits to total assets | 90.2425% | 568 |
| Equity capital to assets | 9.4861% | 4,708 |
| Core capital (leverage) ratio | 8.9453% | 4,820 |
| Tier 1 risk-based capital ratio | 12.1932% | 4,673 |
| Total risk-based capital ratio | 13.0735% | 4,868 |
| Memoranda: | ||
| Average total assets | $48,982,000 | 6,823 |
| Average earning assets | $46,413,000 | 6,748 |
| Average equity | $4,306,000 | 7,388 |
| Average total loans | $29,615,600 | 6,729 |