Home > Heartland State Bank > Performance and Condition Ratios
Heartland State Bank, 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 | 5.2530% | 1,568 |
| Cost of funding earning assets | 0.9927% | 3,314 |
| Net interest margin | 4.2602% | 857 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.8202% | 1,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2768% | 1,479 |
| Return on assets (ROA) | 1.0280% | 2,107 |
| Pretax return on assets | 1.0280% | 2,591 |
| Return on Equity (ROE) | 13.0000% | 1,728 |
| Retained earnings to average equity (ytd only) | 1.7605% | 3,639 |
| Net charge-offs to loans | 0.0158% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 143.6667% | 728 |
| Efficiency ratio | 68.8359% | 2,024 |
| Assets per employee ($millions) | 6.3728% | 2,496 |
| Cash dividends to net income (ytd only)* | 86.4553% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 2,858 |
| 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 | 57.9900% | 3,037 |
| Net loans and leases to deposits | 68.8603% | 2,963 |
| Net loans and leases to core deposits | 72.5768% | 3,148 |
| Total domestic deposits to total assets | 84.2100% | 2,557 |
| Equity capital to assets | 7.8858% | 3,492 |
| Core capital (leverage) ratio | 10.7333% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,512,000 | 4,142 |
| Average earning assets | $60,841,600 | 4,123 |
| Average equity | $5,339,400 | 4,227 |
| Average total loans | $37,967,200 | 4,026 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 1,681 |
| Cost of funding earning assets | 0.7916% | 3,541 |
| Net interest margin | 4.2825% | 822 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.7458% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4018% | 1,315 |
| Return on assets (ROA) | 1.4337% | 1,232 |
| Pretax return on assets | 1.4337% | 1,705 |
| Return on Equity (ROE) | 18.1100% | 938 |
| Retained earnings to average equity (ytd only) | 18.1141% | 335 |
| Net charge-offs to loans | 0.0072% | 2,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 351.5000% | 404 |
| Efficiency ratio | 66.2019% | 2,249 |
| Assets per employee ($millions) | 6.0456% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,629 |
| 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 | 59.0300% | 2,937 |
| Net loans and leases to deposits | 70.4513% | 2,814 |
| Net loans and leases to core deposits | 74.4967% | 2,961 |
| Total domestic deposits to total assets | 83.7900% | 2,838 |
| Equity capital to assets | 7.9080% | 3,113 |
| Core capital (leverage) ratio | 12.1239% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $66,864,750 | 4,161 |
| Average earning assets | $60,804,500 | 4,147 |
| Average equity | $5,292,250 | 4,246 |
| Average total loans | $37,183,500 | 4,049 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 1,744 |
| Cost of funding earning assets | 0.6216% | 3,704 |
| Net interest margin | 4.2887% | 820 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.7349% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4331% | 1,252 |
| Return on assets (ROA) | 1.4690% | 1,155 |
| Pretax return on assets | 1.4690% | 1,653 |
| Return on Equity (ROE) | 18.5500% | 885 |
| Retained earnings to average equity (ytd only) | 18.5544% | 311 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6160% | 2,302 |
| Assets per employee ($millions) | 5.6541% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,050 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.1500% | 3,031 |
| Net loans and leases to deposits | 64.9169% | 3,131 |
| Net loans and leases to core deposits | 68.0555% | 3,231 |
| Total domestic deposits to total assets | 88.0300% | 1,588 |
| Equity capital to assets | 8.7949% | 2,665 |
| Core capital (leverage) ratio | 11.4762% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $66,985,667 | 4,180 |
| Average earning assets | $61,137,000 | 4,165 |
| Average equity | $5,303,333 | 4,268 |
| Average total loans | $36,339,667 | 4,075 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 1,958 |
| Cost of funding earning assets | 0.5620% | 3,494 |
| Net interest margin | 4.0916% | 1,109 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6347% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3664% | 1,499 |
| Return on assets (ROA) | 1.4067% | 1,362 |
| Pretax return on assets | 1.4067% | 1,867 |
| Return on Equity (ROE) | 18.7000% | 926 |
| Retained earnings to average equity (ytd only) | 18.6973% | 458 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.8501% | 2,224 |
| Assets per employee ($millions) | 6.2684% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,785 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.3000% | 3,610 |
| Net loans and leases to deposits | 52.8461% | 3,749 |
| Net loans and leases to core deposits | 55.0503% | 3,791 |
| Total domestic deposits to total assets | 91.3900% | 677 |
| Equity capital to assets | 7.9882% | 3,252 |
| Core capital (leverage) ratio | 10.3526% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $69,381,000 | 4,205 |
| Average earning assets | $63,349,500 | 4,202 |
| Average equity | $5,220,000 | 4,331 |
| Average total loans | $36,509,500 | 4,124 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 3,014 |
| Cost of funding earning assets | 0.2086% | 3,689 |
| Net interest margin | 3.3168% | 2,527 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.7938% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.5726% | 4,649 |
| Return on assets (ROA) | -0.5807% | 4,640 |
| Pretax return on assets | -0.5807% | 4,634 |
| Return on Equity (ROE) | -7.1100% | 4,645 |
| Retained earnings to average equity (ytd only) | -12.0858% | 4,652 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.5282% | 752 |
| Assets per employee ($millions) | 6.3464% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,544 |
| 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 | 55.5800% | 3,077 |
| Net loans and leases to deposits | 62.7265% | 3,133 |
| Net loans and leases to core deposits | 64.9525% | 3,199 |
| Total domestic deposits to total assets | 88.6100% | 1,841 |
| Equity capital to assets | 7.0649% | 3,635 |
| Core capital (leverage) ratio | 10.2691% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $73,699,400 | 4,201 |
| Average earning assets | $66,630,600 | 4,191 |
| Average equity | $6,023,600 | 4,327 |
| Average total loans | $37,358,400 | 4,114 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2409% | 3,332 |
| Cost of funding earning assets | 0.1860% | 3,442 |
| Net interest margin | 3.0549% | 3,065 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 4.1318% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -1.1463% | 4,710 |
| Return on assets (ROA) | -1.1624% | 4,704 |
| Pretax return on assets | -1.1624% | 4,694 |
| Return on Equity (ROE) | -13.7900% | 4,718 |
| Retained earnings to average equity (ytd only) | -13.7851% | 4,708 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.0909% | 542 |
| Assets per employee ($millions) | 6.4354% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,269 |
| 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 | 51.1800% | 3,368 |
| Net loans and leases to deposits | 55.0178% | 3,546 |
| Net loans and leases to core deposits | 56.8470% | 3,571 |
| Total domestic deposits to total assets | 93.0300% | 574 |
| Equity capital to assets | 6.3993% | 3,792 |
| Core capital (leverage) ratio | 9.5180% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $74,671,750 | 4,224 |
| Average earning assets | $67,387,000 | 4,215 |
| Average equity | $6,296,500 | 4,333 |
| Average total loans | $36,883,000 | 4,142 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9186% | 3,743 |
| Cost of funding earning assets | 0.1817% | 3,159 |
| Net interest margin | 2.7369% | 3,622 |
| Noninterest income to average assets | 0.2264% | 3,835 |
| Noninterest expense to average assets | 2.5038% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1817% | 4,445 |
| Return on assets (ROA) | 0.1553% | 4,435 |
| Pretax return on assets | 0.1553% | 4,448 |
| Return on Equity (ROE) | 1.7138% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.7138% | 3,822 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2353% | 315 |
| Assets per employee ($millions) | 6.8115% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,185 |
| 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 | 46.3384% | 3,691 |
| Net loans and leases to deposits | 50.7825% | 3,768 |
| Net loans and leases to core deposits | 52.4068% | 3,795 |
| Total domestic deposits to total assets | 91.2488% | 1,130 |
| Equity capital to assets | 8.2333% | 2,957 |
| Core capital (leverage) ratio | 9.1298% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,966,000 | 4,248 |
| Average earning assets | $68,251,667 | 4,262 |
| Average equity | $6,885,333 | 4,330 |
| Average total loans | $36,947,333 | 4,196 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7984% | 3,750 |
| Cost of funding earning assets | 0.1866% | 2,988 |
| Net interest margin | 2.6118% | 3,626 |
| Noninterest income to average assets | 0.2249% | 3,813 |
| Noninterest expense to average assets | 2.4528% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1151% | 4,446 |
| Return on assets (ROA) | 0.0889% | 4,455 |
| Pretax return on assets | 0.0889% | 4,455 |
| Return on Equity (ROE) | 0.9388% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.9388% | 3,835 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5193% | 341 |
| Assets per employee ($millions) | 7.3019% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,395 |
| 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 | 43.4880% | 3,781 |
| Net loans and leases to deposits | 47.7649% | 3,880 |
| Net loans and leases to core deposits | 49.1909% | 3,910 |
| Total domestic deposits to total assets | 91.0459% | 1,012 |
| Equity capital to assets | 8.5034% | 3,161 |
| Core capital (leverage) ratio | 8.8815% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,485,500 | 4,265 |
| Average earning assets | $68,611,000 | 4,281 |
| Average equity | $7,243,500 | 4,340 |
| Average total loans | $37,832,000 | 4,194 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 2,517 |
| Cost of funding earning assets | 0.2279% | 3,164 |
| Net interest margin | 3.3219% | 2,252 |
| Noninterest income to average assets | 0.2306% | 3,998 |
| Noninterest expense to average assets | 2.4549% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7772% | 3,401 |
| Return on assets (ROA) | 0.8077% | 3,384 |
| Pretax return on assets | 0.8077% | 3,707 |
| Return on Equity (ROE) | 7.0653% | 3,500 |
| Retained earnings to average equity (ytd only) | 0.7230% | 4,326 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9533% | 1,110 |
| Assets per employee ($millions) | 6.0542% | 2,712 |
| Cash dividends to net income (ytd only)* | 89.7666% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 3,184 |
| 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 | 54.8080% | 2,751 |
| Net loans and leases to deposits | 61.6320% | 2,919 |
| Net loans and leases to core deposits | 63.7210% | 3,004 |
| Total domestic deposits to total assets | 88.9277% | 1,548 |
| Equity capital to assets | 10.5616% | 2,118 |
| Core capital (leverage) ratio | 9.8900% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,964,200 | 4,350 |
| Average earning assets | $62,313,200 | 4,358 |
| Average equity | $7,883,600 | 4,340 |
| Average total loans | $40,160,200 | 4,182 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6799% | 2,331 |
| Cost of funding earning assets | 0.2361% | 3,255 |
| Net interest margin | 3.4438% | 2,028 |
| Noninterest income to average assets | 0.2214% | 4,081 |
| Noninterest expense to average assets | 2.6688% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6682% | 3,843 |
| Return on assets (ROA) | 0.6976% | 3,837 |
| Pretax return on assets | 0.6976% | 4,068 |
| Return on Equity (ROE) | 5.9808% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.9808% | 2,825 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9765% | 745 |
| Assets per employee ($millions) | 5.6523% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,503 |
| 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 | 61.5094% | 2,075 |
| Net loans and leases to deposits | 70.2617% | 2,211 |
| Net loans and leases to core deposits | 72.8619% | 2,332 |
| Total domestic deposits to total assets | 87.5433% | 2,088 |
| Equity capital to assets | 11.8935% | 1,448 |
| Core capital (leverage) ratio | 10.4095% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,042,750 | 4,415 |
| Average earning assets | $61,558,250 | 4,427 |
| Average equity | $7,936,250 | 4,395 |
| Average total loans | $40,131,250 | 4,241 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 1,937 |
| Cost of funding earning assets | 0.2433% | 3,342 |
| Net interest margin | 3.6113% | 1,567 |
| Noninterest income to average assets | 0.2114% | 4,140 |
| Noninterest expense to average assets | 2.6514% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8280% | 3,428 |
| Return on assets (ROA) | 0.8574% | 3,424 |
| Pretax return on assets | 0.8574% | 3,756 |
| Return on Equity (ROE) | 7.3993% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.3993% | 2,291 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2025% | 1,067 |
| Assets per employee ($millions) | 5.3352% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,101 |
| 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 | 55.8689% | 2,914 |
| Net loans and leases to deposits | 63.5386% | 3,049 |
| Net loans and leases to core deposits | 65.8247% | 3,127 |
| Total domestic deposits to total assets | 87.9291% | 1,868 |
| Equity capital to assets | 11.5388% | 1,604 |
| Core capital (leverage) ratio | 9.8511% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,114,667 | 4,443 |
| Average earning assets | $61,640,333 | 4,453 |
| Average equity | $7,892,667 | 4,425 |
| Average total loans | $39,449,000 | 4,291 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 2,153 |
| Cost of funding earning assets | 0.2621% | 3,359 |
| Net interest margin | 3.5192% | 1,778 |
| Noninterest income to average assets | 0.2134% | 4,114 |
| Noninterest expense to average assets | 2.5484% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8475% | 3,276 |
| Return on assets (ROA) | 0.9127% | 3,176 |
| Pretax return on assets | 0.9127% | 3,573 |
| Return on Equity (ROE) | 7.8596% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.8596% | 2,294 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0436% | 1,217 |
| Assets per employee ($millions) | 6.6075% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,027 |
| 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 | 52.7118% | 3,379 |
| Net loans and leases to deposits | 59.4353% | 3,523 |
| Net loans and leases to core deposits | 61.7129% | 3,598 |
| Total domestic deposits to total assets | 88.6877% | 1,514 |
| Equity capital to assets | 10.8115% | 2,000 |
| Core capital (leverage) ratio | 10.2147% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,493,500 | 4,467 |
| Average earning assets | $61,036,000 | 4,476 |
| Average equity | $7,837,500 | 4,448 |
| Average total loans | $39,570,000 | 4,316 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 2,463 |
| Cost of funding earning assets | 0.5160% | 2,842 |
| Net interest margin | 3.5692% | 2,248 |
| Noninterest income to average assets | 0.2375% | 4,078 |
| Noninterest expense to average assets | 2.9393% | 1,573 |
| Loan and lease loss provision to assets | 0.0385% | 3,932 |
| Net operating income to assets | 0.4669% | 4,102 |
| Return on assets (ROA) | 0.8584% | 3,005 |
| Pretax return on assets | 0.8584% | 3,486 |
| Return on Equity (ROE) | 6.7219% | 3,315 |
| Retained earnings to average equity (ytd only) | 1.0680% | 4,202 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3284% | 555 |
| Assets per employee ($millions) | 5.6641% | 2,670 |
| Cash dividends to net income (ytd only)* | 84.1121% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,288 |
| 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 | 64.0591% | 2,355 |
| Net loans and leases to deposits | 73.7909% | 2,506 |
| Net loans and leases to core deposits | 77.1768% | 2,624 |
| Total domestic deposits to total assets | 86.8117% | 2,027 |
| Equity capital to assets | 12.5463% | 1,294 |
| Core capital (leverage) ratio | 10.6891% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,327,000 | 4,480 |
| Average earning assets | $56,007,200 | 4,495 |
| Average equity | $7,959,000 | 4,426 |
| Average total loans | $39,319,200 | 4,320 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 2,364 |
| Cost of funding earning assets | 0.5706% | 2,800 |
| Net interest margin | 3.6421% | 2,117 |
| Noninterest income to average assets | 0.2310% | 4,111 |
| Noninterest expense to average assets | 2.9326% | 1,606 |
| Loan and lease loss provision to assets | 0.0385% | 3,869 |
| Net operating income to assets | 0.5369% | 3,936 |
| Return on assets (ROA) | 0.5198% | 4,078 |
| Pretax return on assets | 0.5198% | 4,247 |
| Return on Equity (ROE) | 4.0527% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.0527% | 3,021 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5976% | 633 |
| Assets per employee ($millions) | 5.6336% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,012 |
| 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 | 63.5808% | 2,813 |
| Net loans and leases to deposits | 73.9078% | 2,965 |
| Net loans and leases to core deposits | 77.5809% | 3,051 |
| Total domestic deposits to total assets | 86.0271% | 2,056 |
| Equity capital to assets | 13.3468% | 1,053 |
| Core capital (leverage) ratio | 11.1898% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,332,500 | 4,499 |
| Average earning assets | $56,083,500 | 4,511 |
| Average equity | $7,994,500 | 4,445 |
| Average total loans | $39,056,500 | 4,354 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 2,809 |
| Cost of funding earning assets | 0.6502% | 2,695 |
| Net interest margin | 3.5353% | 2,688 |
| Noninterest income to average assets | 0.2338% | 4,080 |
| Noninterest expense to average assets | 2.9622% | 1,681 |
| Loan and lease loss provision to assets | 0.0384% | 3,794 |
| Net operating income to assets | 0.4195% | 4,188 |
| Return on assets (ROA) | 0.3939% | 4,301 |
| Pretax return on assets | 0.3939% | 4,422 |
| Return on Equity (ROE) | 3.1130% | 4,323 |
| Retained earnings to average equity (ytd only) | 3.1130% | 3,338 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6105% | 515 |
| Assets per employee ($millions) | 5.6815% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,091 |
| Loan loss allowance to noncurrent loans | 44,600.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,591 |
| Noncurrent loans to loans | 0.0025% | 4,517 |
| Net loans and leases to total assets | 64.4383% | 2,829 |
| Net loans and leases to deposits | 74.5888% | 3,021 |
| Net loans and leases to core deposits | 78.2452% | 3,084 |
| Total domestic deposits to total assets | 86.3913% | 1,847 |
| Equity capital to assets | 12.9990% | 1,165 |
| Core capital (leverage) ratio | 10.7850% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,453,333 | 4,504 |
| Average earning assets | $56,290,000 | 4,525 |
| Average equity | $7,902,333 | 4,471 |
| Average total loans | $38,791,000 | 4,368 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,684 |
| Cost of funding earning assets | 0.8089% | 2,329 |
| Net interest margin | 3.5719% | 2,761 |
| Noninterest income to average assets | 0.2691% | 3,926 |
| Noninterest expense to average assets | 2.9665% | 1,963 |
| Loan and lease loss provision to assets | 0.0384% | 3,292 |
| Net operating income to assets | 0.4613% | 3,991 |
| Return on assets (ROA) | 0.3908% | 4,190 |
| Pretax return on assets | 0.3908% | 4,306 |
| Return on Equity (ROE) | 3.1316% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.1316% | 3,023 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5823% | 730 |
| Assets per employee ($millions) | 5.8640% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 2,756 |
| Loan loss allowance to noncurrent loans | 14,666.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 1,643 |
| Noncurrent loans to loans | 0.0081% | 4,543 |
| Net loans and leases to total assets | 56.9562% | 3,758 |
| Net loans and leases to deposits | 65.8370% | 3,874 |
| Net loans and leases to core deposits | 68.9649% | 3,939 |
| Total domestic deposits to total assets | 86.5109% | 1,773 |
| Equity capital to assets | 12.2194% | 1,906 |
| Core capital (leverage) ratio | 10.7589% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,431,500 | 4,522 |
| Average earning assets | $55,880,500 | 4,543 |
| Average equity | $7,791,500 | 4,508 |
| Average total loans | $37,827,500 | 4,417 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,812 |
| Cost of funding earning assets | 1.0304% | 1,595 |
| Net interest margin | 3.8504% | 2,335 |
| Noninterest income to average assets | 0.3974% | 3,308 |
| Noninterest expense to average assets | 2.9171% | 2,240 |
| Loan and lease loss provision to assets | 0.0386% | 3,242 |
| Net operating income to assets | 0.9348% | 3,074 |
| Return on assets (ROA) | 0.9831% | 2,982 |
| Pretax return on assets | 0.9831% | 3,504 |
| Return on Equity (ROE) | 7.8620% | 3,222 |
| Retained earnings to average equity (ytd only) | 1.4283% | 4,230 |
| Net charge-offs to loans | 0.0914% | 1,817 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 16.8056% | 2,141 |
| Efficiency ratio | 74.9793% | 1,491 |
| Assets per employee ($millions) | 5.0299% | 2,554 |
| Cash dividends to net income (ytd only)* | 81.8331% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,795 |
| Loan loss allowance to noncurrent loans | 21,700.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 1,246 |
| Noncurrent loans to loans | 0.0052% | 4,583 |
| Net loans and leases to total assets | 63.0262% | 3,313 |
| Net loans and leases to deposits | 73.4458% | 3,399 |
| Net loans and leases to core deposits | 77.6066% | 3,472 |
| Total domestic deposits to total assets | 85.8132% | 2,136 |
| Equity capital to assets | 12.7587% | 1,671 |
| Core capital (leverage) ratio | 11.0672% | 2,442 |
| Tier 1 risk-based capital ratio | 15.8984% | 2,442 |
| Total risk-based capital ratio | 16.9339% | 2,446 |
| Memoranda: | ||
| Average total assets | $62,151,200 | 4,560 |
| Average earning assets | $56,384,200 | 4,583 |
| Average equity | $7,771,600 | 4,533 |
| Average total loans | $39,389,400 | 4,418 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 2,031 |
| Cost of funding earning assets | 1.0473% | 1,551 |
| Net interest margin | 3.7823% | 2,646 |
| Noninterest income to average assets | 0.2428% | 4,285 |
| Noninterest expense to average assets | 2.8796% | 2,319 |
| Loan and lease loss provision to assets | 0.0383% | 3,134 |
| Net operating income to assets | 0.7710% | 3,767 |
| Return on assets (ROA) | 0.8349% | 3,645 |
| Pretax return on assets | 0.8349% | 4,047 |
| Return on Equity (ROE) | 6.7099% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.7099% | 2,006 |
| Net charge-offs to loans | 0.1245% | 1,266 |
| Credit loss provision to net charge-offs | 48.6486% | 2,801 |
| Earnings coverage of net charge-offs (x) | 10.2706% | 2,506 |
| Efficiency ratio | 78.0600% | 1,099 |
| Assets per employee ($millions) | 5.0140% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,090 |
| Loan loss allowance to noncurrent loans | 135.8730% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 2,436 |
| Noncurrent loans to loans | 0.8005% | 1,972 |
| Net loans and leases to total assets | 64.6855% | 3,216 |
| Net loans and leases to deposits | 75.9341% | 3,300 |
| Net loans and leases to core deposits | 79.8703% | 3,398 |
| Total domestic deposits to total assets | 85.1865% | 2,357 |
| Equity capital to assets | 13.3958% | 1,405 |
| Core capital (leverage) ratio | 11.5745% | 2,164 |
| Tier 1 risk-based capital ratio | 16.4207% | 2,297 |
| Total risk-based capital ratio | 17.4328% | 2,299 |
| Memoranda: | ||
| Average total assets | $62,599,250 | 4,608 |
| Average earning assets | $57,036,500 | 4,636 |
| Average equity | $7,789,250 | 4,586 |
| Average total loans | $39,617,750 | 4,471 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 2,227 |
| Cost of funding earning assets | 1.0544% | 1,478 |
| Net interest margin | 3.6956% | 2,943 |
| Noninterest income to average assets | 0.2492% | 4,261 |
| Noninterest expense to average assets | 2.8765% | 2,338 |
| Loan and lease loss provision to assets | 0.0378% | 3,054 |
| Net operating income to assets | 0.7065% | 3,987 |
| Return on assets (ROA) | 0.7917% | 3,745 |
| Pretax return on assets | 0.7917% | 4,115 |
| Return on Equity (ROE) | 6.5203% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.5203% | 2,041 |
| Net charge-offs to loans | 0.1410% | 1,086 |
| Credit loss provision to net charge-offs | 42.8571% | 2,520 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,418 |
| Efficiency ratio | 79.4425% | 1,020 |
| Assets per employee ($millions) | 5.1280% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,150 |
| Loan loss allowance to noncurrent loans | 131.0030% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,418 |
| Noncurrent loans to loans | 0.8279% | 1,936 |
| Net loans and leases to total assets | 63.8764% | 3,355 |
| Net loans and leases to deposits | 74.4239% | 3,487 |
| Net loans and leases to core deposits | 78.1576% | 3,563 |
| Total domestic deposits to total assets | 85.8278% | 2,124 |
| Equity capital to assets | 12.8396% | 1,669 |
| Core capital (leverage) ratio | 10.8426% | 2,752 |
| Tier 1 risk-based capital ratio | 15.9019% | 2,454 |
| Total risk-based capital ratio | 16.9094% | 2,493 |
| Memoranda: | ||
| Average total assets | $63,409,670 | 4,632 |
| Average earning assets | $57,853,000 | 4,652 |
| Average equity | $7,699,000 | 4,624 |
| Average total loans | $39,707,670 | 4,502 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 2,500 |
| Cost of funding earning assets | 1.0188% | 1,485 |
| Net interest margin | 3.5896% | 3,286 |
| Noninterest income to average assets | 0.2487% | 4,233 |
| Noninterest expense to average assets | 2.7601% | 2,704 |
| Loan and lease loss provision to assets | 0.0373% | 2,875 |
| Net operating income to assets | 0.7149% | 3,886 |
| Return on assets (ROA) | 0.8827% | 3,354 |
| Pretax return on assets | 0.8827% | 3,823 |
| Return on Equity (ROE) | 7.4757% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.4757% | 1,857 |
| Net charge-offs to loans | 0.2822% | 526 |
| Credit loss provision to net charge-offs | 21.4286% | 2,124 |
| Earnings coverage of net charge-offs (x) | 4.3214% | 2,333 |
| Efficiency ratio | 78.5841% | 1,209 |
| Assets per employee ($millions) | 5.3953% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,011 |
| Loan loss allowance to noncurrent loans | 129.1793% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,591 |
| Noncurrent loans to loans | 0.8680% | 1,905 |
| Net loans and leases to total assets | 57.8849% | 3,903 |
| Net loans and leases to deposits | 66.6222% | 4,005 |
| Net loans and leases to core deposits | 69.4211% | 4,109 |
| Total domestic deposits to total assets | 86.8853% | 1,870 |
| Equity capital to assets | 11.9054% | 2,083 |
| Core capital (leverage) ratio | 10.7560% | 2,798 |
| Tier 1 risk-based capital ratio | 15.8086% | 2,525 |
| Total risk-based capital ratio | 16.8123% | 2,543 |
| Memoranda: | ||
| Average total assets | $64,346,500 | 4,668 |
| Average earning assets | $58,502,000 | 4,685 |
| Average equity | $7,598,000 | 4,670 |
| Average total loans | $39,692,500 | 4,554 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 2,078 |
| Cost of funding earning assets | 0.7572% | 1,748 |
| Net interest margin | 3.8632% | 2,455 |
| Noninterest income to average assets | 0.2807% | 4,222 |
| Noninterest expense to average assets | 2.6573% | 3,162 |
| Loan and lease loss provision to assets | 0.0389% | 3,420 |
| Net operating income to assets | 1.0853% | 2,658 |
| Return on assets (ROA) | 1.0853% | 2,653 |
| Pretax return on assets | 1.0853% | 3,325 |
| Return on Equity (ROE) | 8.8852% | 3,046 |
| Retained earnings to average equity (ytd only) | 2.2445% | 4,258 |
| Net charge-offs to loans | 0.0297% | 2,808 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 1,045 |
| Efficiency ratio | 70.2703% | 2,136 |
| Assets per employee ($millions) | 5.3291% | 2,120 |
| Cash dividends to net income (ytd only)* | 74.7384% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,242 |
| Loan loss allowance to noncurrent loans | 140.6940% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 2,596 |
| Noncurrent loans to loans | 0.7642% | 2,090 |
| Net loans and leases to total assets | 64.1714% | 3,340 |
| Net loans and leases to deposits | 76.4731% | 3,320 |
| Net loans and leases to core deposits | 79.4475% | 3,466 |
| Total domestic deposits to total assets | 83.9137% | 3,025 |
| Equity capital to assets | 11.7093% | 2,092 |
| Core capital (leverage) ratio | 10.7524% | 2,784 |
| Tier 1 risk-based capital ratio | 14.5461% | 3,046 |
| Total risk-based capital ratio | 15.5562% | 3,080 |
| Memoranda: | ||
| Average total assets | $61,641,400 | 4,730 |
| Average earning assets | $55,860,800 | 4,751 |
| Average equity | $7,529,400 | 4,674 |
| Average total loans | $40,337,200 | 4,545 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 2,185 |
| Cost of funding earning assets | 0.6839% | 1,953 |
| Net interest margin | 3.8480% | 2,475 |
| Noninterest income to average assets | 0.2817% | 4,264 |
| Noninterest expense to average assets | 2.5983% | 3,282 |
| Loan and lease loss provision to assets | 0.0393% | 3,217 |
| Net operating income to assets | 1.1332% | 2,520 |
| Return on assets (ROA) | 1.1332% | 2,535 |
| Pretax return on assets | 1.1332% | 3,270 |
| Return on Equity (ROE) | 9.1778% | 3,008 |
| Retained earnings to average equity (ytd only) | 9.1778% | 1,158 |
| Net charge-offs to loans | 0.0399% | 2,292 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 44.7488% | 1,261 |
| Efficiency ratio | 68.9056% | 2,373 |
| Assets per employee ($millions) | 5.2206% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,550 |
| Loan loss allowance to noncurrent loans | 138.0503% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 2,682 |
| Noncurrent loans to loans | 0.7511% | 2,214 |
| Net loans and leases to total assets | 66.8779% | 3,081 |
| Net loans and leases to deposits | 81.9886% | 2,816 |
| Net loans and leases to core deposits | 86.3019% | 2,972 |
| Total domestic deposits to total assets | 81.5697% | 3,714 |
| Equity capital to assets | 12.3837% | 1,656 |
| Core capital (leverage) ratio | 11.4989% | 2,166 |
| Tier 1 risk-based capital ratio | 15.1161% | 2,834 |
| Total risk-based capital ratio | 16.1043% | 2,864 |
| Memoranda: | ||
| Average total assets | $61,064,500 | 4,790 |
| Average earning assets | $55,369,750 | 4,814 |
| Average equity | $7,539,750 | 4,721 |
| Average total loans | $40,050,750 | 4,596 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 2,351 |
| Cost of funding earning assets | 0.6185% | 2,120 |
| Net interest margin | 3.8018% | 2,561 |
| Noninterest income to average assets | 0.2808% | 4,304 |
| Noninterest expense to average assets | 2.6298% | 3,221 |
| Loan and lease loss provision to assets | 0.0396% | 3,114 |
| Net operating income to assets | 1.0638% | 2,734 |
| Return on assets (ROA) | 1.0638% | 2,739 |
| Pretax return on assets | 1.0638% | 3,460 |
| Return on Equity (ROE) | 8.6246% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.6246% | 1,348 |
| Net charge-offs to loans | 0.1069% | 1,298 |
| Credit loss provision to net charge-offs | 57.1429% | 2,449 |
| Earnings coverage of net charge-offs (x) | 15.9048% | 2,015 |
| Efficiency ratio | 70.4425% | 2,246 |
| Assets per employee ($millions) | 5.0435% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,459 |
| Loan loss allowance to noncurrent loans | 135.7827% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,688 |
| Noncurrent loans to loans | 0.7849% | 2,162 |
| Net loans and leases to total assets | 65.1895% | 3,251 |
| Net loans and leases to deposits | 75.6012% | 3,379 |
| Net loans and leases to core deposits | 79.4915% | 3,462 |
| Total domestic deposits to total assets | 86.2281% | 2,178 |
| Equity capital to assets | 12.5475% | 1,514 |
| Core capital (leverage) ratio | 11.0241% | 2,501 |
| Tier 1 risk-based capital ratio | 15.4515% | 2,662 |
| Total risk-based capital ratio | 16.4641% | 2,701 |
| Memoranda: | ||
| Average total assets | $60,537,000 | 4,864 |
| Average earning assets | $54,974,670 | 4,878 |
| Average equity | $7,467,000 | 4,778 |
| Average total loans | $39,289,000 | 4,664 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,557 |
| Cost of funding earning assets | 0.5464% | 2,435 |
| Net interest margin | 3.7443% | 2,635 |
| Noninterest income to average assets | 0.2444% | 4,539 |
| Noninterest expense to average assets | 2.5172% | 3,592 |
| Loan and lease loss provision to assets | 0.0396% | 2,962 |
| Net operating income to assets | 1.0835% | 2,505 |
| Return on assets (ROA) | 1.0835% | 2,522 |
| Pretax return on assets | 1.0835% | 3,233 |
| Return on Equity (ROE) | 8.8589% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.8589% | 1,515 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1470% | 2,639 |
| Assets per employee ($millions) | 5.1215% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,896 |
| Loan loss allowance to noncurrent loans | 140.5751% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,824 |
| Noncurrent loans to loans | 0.8436% | 2,126 |
| Net loans and leases to total assets | 59.6554% | 3,787 |
| Net loans and leases to deposits | 68.7887% | 3,894 |
| Net loans and leases to core deposits | 69.5112% | 4,109 |
| Total domestic deposits to total assets | 86.7226% | 2,232 |
| Equity capital to assets | 12.1400% | 1,693 |
| Core capital (leverage) ratio | 10.9929% | 2,447 |
| Tier 1 risk-based capital ratio | 15.7850% | 2,560 |
| Total risk-based capital ratio | 16.8811% | 2,559 |
| Memoranda: | ||
| Average total assets | $60,544,500 | 4,916 |
| Average earning assets | $54,909,500 | 4,938 |
| Average equity | $7,405,000 | 4,834 |
| Average total loans | $38,994,000 | 4,726 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,251 |
| Cost of funding earning assets | 0.4784% | 2,517 |
| Net interest margin | 3.8452% | 2,271 |
| Noninterest income to average assets | 0.3075% | 4,259 |
| Noninterest expense to average assets | 2.9862% | 2,199 |
| Loan and lease loss provision to assets | 0.0388% | 3,494 |
| Net operating income to assets | 0.6911% | 3,634 |
| Return on assets (ROA) | 0.6911% | 3,690 |
| Pretax return on assets | 0.6911% | 4,529 |
| Return on Equity (ROE) | 5.7603% | 3,852 |
| Retained earnings to average equity (ytd only) | 0.3642% | 4,880 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3571% | 1,073 |
| Assets per employee ($millions) | 4.9693% | 2,519 |
| Cash dividends to net income (ytd only)* | 93.6768% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,541 |
| Loan loss allowance to noncurrent loans | 138.6581% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,807 |
| Noncurrent loans to loans | 0.7656% | 2,295 |
| Net loans and leases to total assets | 67.8355% | 2,840 |
| Net loans and leases to deposits | 80.1359% | 2,901 |
| Net loans and leases to core deposits | 81.3478% | 3,302 |
| Total domestic deposits to total assets | 84.6506% | 2,969 |
| Equity capital to assets | 12.3241% | 1,628 |
| Core capital (leverage) ratio | 10.6453% | 2,700 |
| Tier 1 risk-based capital ratio | 14.1020% | 3,304 |
| Total risk-based capital ratio | 15.0892% | 3,360 |
| Memoranda: | ||
| Average total assets | $61,783,200 | 4,928 |
| Average earning assets | $54,769,800 | 4,980 |
| Average equity | $7,412,800 | 4,878 |
| Average total loans | $40,211,200 | 4,729 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,583 |
| Cost of funding earning assets | 0.4684% | 2,537 |
| Net interest margin | 3.7398% | 2,617 |
| Noninterest income to average assets | 0.3059% | 4,341 |
| Noninterest expense to average assets | 2.9566% | 2,226 |
| Loan and lease loss provision to assets | 0.0385% | 3,337 |
| Net operating income to assets | 0.6076% | 4,360 |
| Return on assets (ROA) | 0.6076% | 4,402 |
| Pretax return on assets | 0.6076% | 4,828 |
| Return on Equity (ROE) | 5.0972% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.0972% | 2,810 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0665% | 910 |
| Assets per employee ($millions) | 5.0598% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,950 |
| Loan loss allowance to noncurrent loans | 130.0912% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,897 |
| Noncurrent loans to loans | 0.7846% | 2,399 |
| Net loans and leases to total assets | 68.3521% | 2,788 |
| Net loans and leases to deposits | 83.0937% | 2,648 |
| Net loans and leases to core deposits | 84.3639% | 3,100 |
| Total domestic deposits to total assets | 82.2590% | 3,699 |
| Equity capital to assets | 12.5910% | 1,609 |
| Core capital (leverage) ratio | 11.2275% | 2,242 |
| Tier 1 risk-based capital ratio | 14.2823% | 3,311 |
| Total risk-based capital ratio | 15.2287% | 3,373 |
| Memoranda: | ||
| Average total assets | $62,321,250 | 4,971 |
| Average earning assets | $54,938,750 | 5,029 |
| Average equity | $7,428,750 | 4,922 |
| Average total loans | $40,042,750 | 4,779 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 2,859 |
| Cost of funding earning assets | 0.4544% | 2,563 |
| Net interest margin | 3.6351% | 2,893 |
| Noninterest income to average assets | 0.3309% | 4,174 |
| Noninterest expense to average assets | 2.9878% | 2,147 |
| Loan and lease loss provision to assets | 0.0382% | 3,249 |
| Net operating income to assets | 0.4868% | 4,738 |
| Return on assets (ROA) | 0.4868% | 4,775 |
| Pretax return on assets | 0.4868% | 5,026 |
| Return on Equity (ROE) | 4.1595% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.1595% | 3,230 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0543% | 756 |
| Assets per employee ($millions) | 4.9750% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,835 |
| Loan loss allowance to noncurrent loans | 63.9394% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 1,573 |
| Noncurrent loans to loans | 1.6472% | 1,116 |
| Net loans and leases to total assets | 66.4104% | 3,044 |
| Net loans and leases to deposits | 78.8132% | 3,036 |
| Net loans and leases to core deposits | 80.3661% | 3,396 |
| Total domestic deposits to total assets | 84.2630% | 3,104 |
| Equity capital to assets | 12.5779% | 1,586 |
| Core capital (leverage) ratio | 10.6715% | 2,735 |
| Tier 1 risk-based capital ratio | 14.5203% | 3,155 |
| Total risk-based capital ratio | 15.4868% | 3,212 |
| Memoranda: | ||
| Average total assets | $62,855,670 | 4,999 |
| Average earning assets | $55,018,670 | 5,067 |
| Average equity | $7,356,670 | 4,953 |
| Average total loans | $39,413,670 | 4,826 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,254 |
| Cost of funding earning assets | 0.4582% | 2,451 |
| Net interest margin | 3.4793% | 3,358 |
| Noninterest income to average assets | 0.3911% | 3,732 |
| Noninterest expense to average assets | 2.7998% | 2,793 |
| Loan and lease loss provision to assets | 0.0372% | 3,055 |
| Net operating income to assets | 0.5711% | 4,275 |
| Return on assets (ROA) | 0.5711% | 4,322 |
| Pretax return on assets | 0.5711% | 4,793 |
| Return on Equity (ROE) | 5.0546% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.0546% | 2,860 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1494% | 1,145 |
| Assets per employee ($millions) | 5.3553% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 3,595 |
| Loan loss allowance to noncurrent loans | 57.4586% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 1,575 |
| Noncurrent loans to loans | 1.9473% | 925 |
| Net loans and leases to total assets | 57.2087% | 4,044 |
| Net loans and leases to deposits | 65.3571% | 4,221 |
| Net loans and leases to core deposits | 66.2426% | 4,415 |
| Total domestic deposits to total assets | 87.5325% | 1,970 |
| Equity capital to assets | 11.4358% | 2,230 |
| Core capital (leverage) ratio | 10.1079% | 3,369 |
| Tier 1 risk-based capital ratio | 14.8833% | 3,024 |
| Total risk-based capital ratio | 15.8676% | 3,080 |
| Memoranda: | ||
| Average total assets | $64,433,500 | 5,022 |
| Average earning assets | $55,873,500 | 5,106 |
| Average equity | $7,280,500 | 5,010 |
| Average total loans | $39,086,000 | 4,883 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,193 |
| Cost of funding earning assets | 0.3886% | 3,118 |
| Net interest margin | 3.8958% | 1,981 |
| Noninterest income to average assets | 0.2642% | 4,841 |
| Noninterest expense to average assets | 2.7492% | 3,196 |
| Loan and lease loss provision to assets | 0.0099% | 4,176 |
| Net operating income to assets | 0.9313% | 2,673 |
| Return on assets (ROA) | 0.9313% | 2,781 |
| Pretax return on assets | 0.9313% | 3,727 |
| Return on Equity (ROE) | 7.6052% | 3,168 |
| Retained earnings to average equity (ytd only) | 1.5372% | 4,647 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4966% | 2,226 |
| Assets per employee ($millions) | 5.3837% | 1,967 |
| Cash dividends to net income (ytd only)* | 79.7872% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,327 |
| Loan loss allowance to noncurrent loans | 54.6667% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 1,579 |
| Noncurrent loans to loans | 1.8296% | 1,037 |
| Net loans and leases to total assets | 62.8165% | 3,498 |
| Net loans and leases to deposits | 73.2250% | 3,590 |
| Net loans and leases to core deposits | 73.8916% | 3,934 |
| Total domestic deposits to total assets | 85.7857% | 2,685 |
| Equity capital to assets | 11.1634% | 2,465 |
| Core capital (leverage) ratio | 10.5751% | 2,805 |
| Tier 1 risk-based capital ratio | 13.4356% | 3,811 |
| Total risk-based capital ratio | 14.3248% | 3,931 |
| Memoranda: | ||
| Average total assets | $60,562,200 | 5,125 |
| Average earning assets | $53,263,000 | 5,181 |
| Average equity | $7,416,000 | 5,023 |
| Average total loans | $39,990,800 | 4,884 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,373 |
| Cost of funding earning assets | 0.3826% | 3,203 |
| Net interest margin | 3.8584% | 2,124 |
| Noninterest income to average assets | 0.2485% | 4,982 |
| Noninterest expense to average assets | 2.7762% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9269% | 2,771 |
| Return on assets (ROA) | 0.9269% | 2,899 |
| Pretax return on assets | 0.9269% | 3,885 |
| Return on Equity (ROE) | 7.3924% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.3924% | 1,443 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9698% | 2,112 |
| Assets per employee ($millions) | 4.6205% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,475 |
| Loan loss allowance to noncurrent loans | 47.6415% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.4118% | 1,311 |
| Noncurrent loans to loans | 2.0749% | 931 |
| Net loans and leases to total assets | 67.3676% | 2,892 |
| Net loans and leases to deposits | 84.9338% | 2,377 |
| Net loans and leases to core deposits | 85.8346% | 2,963 |
| Total domestic deposits to total assets | 79.3178% | 4,651 |
| Equity capital to assets | 12.8675% | 1,564 |
| Core capital (leverage) ratio | 11.4659% | 2,058 |
| Tier 1 risk-based capital ratio | 14.4055% | 3,328 |
| Total risk-based capital ratio | 15.2965% | 3,458 |
| Memoranda: | ||
| Average total assets | $59,551,750 | 5,195 |
| Average earning assets | $53,319,000 | 5,228 |
| Average equity | $7,467,000 | 5,064 |
| Average total loans | $39,740,500 | 4,934 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 2,465 |
| Cost of funding earning assets | 0.3801% | 3,249 |
| Net interest margin | 3.8353% | 2,192 |
| Noninterest income to average assets | 0.2526% | 4,963 |
| Noninterest expense to average assets | 2.8326% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8521% | 3,088 |
| Return on assets (ROA) | 0.8521% | 3,206 |
| Pretax return on assets | 0.8521% | 4,116 |
| Return on Equity (ROE) | 6.8567% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.8567% | 1,690 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8739% | 1,950 |
| Assets per employee ($millions) | 4.3100% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 4,349 |
| Loan loss allowance to noncurrent loans | 47.3068% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 1,245 |
| Noncurrent loans to loans | 2.1764% | 870 |
| Net loans and leases to total assets | 69.3111% | 2,583 |
| Net loans and leases to deposits | 81.7029% | 2,741 |
| Net loans and leases to core deposits | 81.7029% | 3,301 |
| Total domestic deposits to total assets | 84.8331% | 2,949 |
| Equity capital to assets | 13.5445% | 1,216 |
| Core capital (leverage) ratio | 11.5284% | 1,970 |
| Tier 1 risk-based capital ratio | 15.1256% | 3,020 |
| Total risk-based capital ratio | 16.0802% | 3,093 |
| Memoranda: | ||
| Average total assets | $59,380,330 | 5,252 |
| Average earning assets | $53,138,000 | 5,288 |
| Average equity | $7,379,670 | 5,127 |
| Average total loans | $39,364,330 | 4,989 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,677 |
| Cost of funding earning assets | 0.3685% | 3,416 |
| Net interest margin | 3.7737% | 2,389 |
| Noninterest income to average assets | 0.2555% | 4,908 |
| Noninterest expense to average assets | 2.6795% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9303% | 2,600 |
| Return on assets (ROA) | 0.9303% | 2,707 |
| Pretax return on assets | 0.9303% | 3,726 |
| Return on Equity (ROE) | 7.8076% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.8076% | 1,538 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2287% | 2,441 |
| Assets per employee ($millions) | 4.5807% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 4,225 |
| 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 | 62.7332% | 3,422 |
| Net loans and leases to deposits | 75.4154% | 3,288 |
| Net loans and leases to core deposits | 75.4154% | 3,739 |
| Total domestic deposits to total assets | 83.1836% | 3,828 |
| Equity capital to assets | 12.3999% | 1,752 |
| Core capital (leverage) ratio | 10.8091% | 2,609 |
| Tier 1 risk-based capital ratio | 14.8447% | 3,224 |
| Total risk-based capital ratio | 15.8007% | 3,307 |
| Memoranda: | ||
| Average total assets | $61,055,500 | 5,271 |
| Average earning assets | $54,271,000 | 5,311 |
| Average equity | $7,275,000 | 5,180 |
| Average total loans | $39,427,000 | 5,030 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 3,224 |
| Cost of funding earning assets | 0.3729% | 3,450 |
| Net interest margin | 3.6493% | 2,941 |
| Noninterest income to average assets | 0.2379% | 5,173 |
| Noninterest expense to average assets | 2.5538% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9597% | 2,576 |
| Return on assets (ROA) | 0.9819% | 2,536 |
| Pretax return on assets | 0.9819% | 3,536 |
| Return on Equity (ROE) | 8.5751% | 2,683 |
| Retained earnings to average equity (ytd only) | 3.0338% | 3,894 |
| Net charge-offs to loans | -0.0781% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6862% | 2,791 |
| Assets per employee ($millions) | 4.8125% | 2,586 |
| Cash dividends to net income (ytd only)* | 64.6204% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,701 |
| 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 | 65.0379% | 3,118 |
| Net loans and leases to deposits | 81.7853% | 2,617 |
| Net loans and leases to core deposits | 85.6520% | 2,820 |
| Total domestic deposits to total assets | 79.5227% | 4,862 |
| Equity capital to assets | 11.4542% | 2,395 |
| Core capital (leverage) ratio | 9.8417% | 3,721 |
| Tier 1 risk-based capital ratio | 13.3749% | 4,067 |
| Total risk-based capital ratio | 14.2543% | 4,225 |
| Memoranda: | ||
| Average total assets | $63,042,600 | 5,241 |
| Average earning assets | $56,585,800 | 5,276 |
| Average equity | $7,218,600 | 5,206 |
| Average total loans | $38,434,200 | 5,071 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 3,747 |
| Cost of funding earning assets | 0.3725% | 3,513 |
| Net interest margin | 3.5264% | 3,442 |
| Noninterest income to average assets | 0.2238% | 5,315 |
| Noninterest expense to average assets | 2.5246% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8760% | 3,057 |
| Return on assets (ROA) | 0.8760% | 3,144 |
| Pretax return on assets | 0.8760% | 4,064 |
| Return on Equity (ROE) | 7.6513% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.6513% | 1,391 |
| Net charge-offs to loans | -0.1059% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2396% | 2,513 |
| Assets per employee ($millions) | 4.8886% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 4,758 |
| 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 | 63.0649% | 3,447 |
| Net loans and leases to deposits | 80.2334% | 2,856 |
| Net loans and leases to core deposits | 88.6605% | 2,591 |
| Total domestic deposits to total assets | 78.6018% | 5,069 |
| Equity capital to assets | 11.6944% | 2,356 |
| Core capital (leverage) ratio | 10.1583% | 3,426 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,927 |
| Total risk-based capital ratio | 14.7451% | 4,071 |
| Memoranda: | ||
| Average total assets | $63,162,750 | 5,305 |
| Average earning assets | $56,902,750 | 5,339 |
| Average equity | $7,231,750 | 5,271 |
| Average total loans | $37,769,500 | 5,150 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 4,084 |
| Cost of funding earning assets | 0.3796% | 3,502 |
| Net interest margin | 3.4160% | 3,849 |
| Noninterest income to average assets | 0.2316% | 5,307 |
| Noninterest expense to average assets | 2.4781% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8377% | 3,181 |
| Return on assets (ROA) | 0.8377% | 3,295 |
| Pretax return on assets | 0.8377% | 4,177 |
| Return on Equity (ROE) | 7.3692% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.3692% | 1,535 |
| Net charge-offs to loans | -0.1628% | 5,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7368% | 2,569 |
| Assets per employee ($millions) | 4.3170% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 4,299 |
| 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 | 59.8564% | 3,857 |
| Net loans and leases to deposits | 70.1588% | 3,914 |
| Net loans and leases to core deposits | 72.9914% | 4,042 |
| Total domestic deposits to total assets | 85.3155% | 3,005 |
| Equity capital to assets | 11.9643% | 2,058 |
| Core capital (leverage) ratio | 10.2105% | 3,324 |
| Tier 1 risk-based capital ratio | 14.8074% | 3,467 |
| Total risk-based capital ratio | 15.7750% | 3,552 |
| Memoranda: | ||
| Average total assets | $63,033,000 | 5,370 |
| Average earning assets | $56,908,670 | 5,397 |
| Average equity | $7,165,000 | 5,327 |
| Average total loans | $36,865,000 | 5,226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,298 |
| Cost of funding earning assets | 0.3720% | 3,622 |
| Net interest margin | 3.3476% | 4,030 |
| Noninterest income to average assets | 0.2238% | 5,353 |
| Noninterest expense to average assets | 2.4747% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7710% | 3,418 |
| Return on assets (ROA) | 0.7710% | 3,554 |
| Pretax return on assets | 0.7710% | 4,346 |
| Return on Equity (ROE) | 6.9546% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.9546% | 2,030 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2452% | 2,476 |
| Assets per employee ($millions) | 4.6251% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 4,563 |
| 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 | 52.3606% | 4,627 |
| Net loans and leases to deposits | 60.6642% | 4,694 |
| Net loans and leases to core deposits | 62.9157% | 4,784 |
| Total domestic deposits to total assets | 86.3122% | 2,762 |
| Equity capital to assets | 11.1828% | 2,774 |
| Core capital (leverage) ratio | 9.5871% | 4,162 |
| Tier 1 risk-based capital ratio | 15.3424% | 3,235 |
| Total risk-based capital ratio | 16.2907% | 3,338 |
| Memoranda: | ||
| Average total assets | $64,330,500 | 5,387 |
| Average earning assets | $58,071,000 | 5,414 |
| Average equity | $7,132,000 | 5,379 |
| Average total loans | $37,007,500 | 5,249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,221 |
| Cost of funding earning assets | 0.4055% | 3,633 |
| Net interest margin | 3.4698% | 3,899 |
| Noninterest income to average assets | 0.2123% | 5,585 |
| Noninterest expense to average assets | 2.4195% | 4,792 |
| Loan and lease loss provision to assets | -0.1951% | 6,287 |
| Net operating income to assets | 1.0911% | 2,009 |
| Return on assets (ROA) | 1.1067% | 2,004 |
| Pretax return on assets | 1.1020% | 3,075 |
| Return on Equity (ROE) | 10.2795% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.4801% | 2,987 |
| Net charge-offs to loans | -0.0027% | 5,397 |
| Credit loss provision to net charge-offs | 12,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0787% | 3,016 |
| Assets per employee ($millions) | 4.5650% | 2,931 |
| Cash dividends to net income (ytd only)* | 56.4175% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 5,329 |
| 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 | 61.5913% | 3,557 |
| Net loans and leases to deposits | 73.6418% | 3,478 |
| Net loans and leases to core deposits | 76.5043% | 3,656 |
| Total domestic deposits to total assets | 83.6364% | 3,869 |
| Equity capital to assets | 10.9889% | 2,906 |
| Core capital (leverage) ratio | 9.5763% | 4,140 |
| Tier 1 risk-based capital ratio | 13.0645% | 4,684 |
| Total risk-based capital ratio | 13.8889% | 4,864 |
| Memoranda: | ||
| Average total assets | $64,063,800 | 5,446 |
| Average earning assets | $57,207,400 | 5,481 |
| Average equity | $6,897,200 | 5,438 |
| Average total loans | $37,635,800 | 5,272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,641 |
| Cost of funding earning assets | 0.4106% | 3,677 |
| Net interest margin | 3.3640% | 4,377 |
| Noninterest income to average assets | 0.2038% | 5,707 |
| Noninterest expense to average assets | 2.4003% | 4,823 |
| Loan and lease loss provision to assets | -0.2600% | 6,435 |
| Net operating income to assets | 1.0691% | 2,155 |
| Return on assets (ROA) | 1.0920% | 2,131 |
| Pretax return on assets | 1.0857% | 3,243 |
| Return on Equity (ROE) | 10.1952% | 2,123 |
| Retained earnings to average equity (ytd only) | 10.1952% | 660 |
| Net charge-offs to loans | -0.0036% | 5,247 |
| Credit loss provision to net charge-offs | 12,500.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9351% | 2,673 |
| Assets per employee ($millions) | 4.5179% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 5,519 |
| 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 | 63.4814% | 3,266 |
| Net loans and leases to deposits | 73.8156% | 3,456 |
| Net loans and leases to core deposits | 79.6762% | 3,352 |
| Total domestic deposits to total assets | 86.0000% | 2,844 |
| Equity capital to assets | 11.3850% | 2,600 |
| Core capital (leverage) ratio | 9.9262% | 3,772 |
| Tier 1 risk-based capital ratio | 13.5235% | 4,525 |
| Total risk-based capital ratio | 14.3475% | 4,731 |
| Memoranda: | ||
| Average total assets | $64,102,250 | 5,509 |
| Average earning assets | $57,152,000 | 5,538 |
| Average equity | $6,865,750 | 5,500 |
| Average total loans | $37,110,500 | 5,338 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 5,058 |
| Cost of funding earning assets | 0.4130% | 3,737 |
| Net interest margin | 3.2203% | 4,873 |
| Noninterest income to average assets | 0.1988% | 5,769 |
| Noninterest expense to average assets | 2.3763% | 4,956 |
| Loan and lease loss provision to assets | -0.3883% | 6,555 |
| Net operating income to assets | 1.0779% | 2,016 |
| Return on assets (ROA) | 1.0779% | 2,089 |
| Pretax return on assets | 1.0685% | 3,214 |
| Return on Equity (ROE) | 10.2754% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.2754% | 660 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7439% | 2,331 |
| Assets per employee ($millions) | 4.5352% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 5,296 |
| 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 | 57.6032% | 4,037 |
| Net loans and leases to deposits | 66.7080% | 4,197 |
| Net loans and leases to core deposits | 69.2335% | 4,342 |
| Total domestic deposits to total assets | 86.3513% | 2,847 |
| Equity capital to assets | 11.0784% | 2,803 |
| Core capital (leverage) ratio | 9.4598% | 4,383 |
| Tier 1 risk-based capital ratio | 14.1421% | 4,158 |
| Total risk-based capital ratio | 15.0323% | 4,351 |
| Memoranda: | ||
| Average total assets | $64,386,330 | 5,547 |
| Average earning assets | $57,136,670 | 5,580 |
| Average equity | $6,754,000 | 5,544 |
| Average total loans | $35,972,000 | 5,419 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 5,366 |
| Cost of funding earning assets | 0.4007% | 3,960 |
| Net interest margin | 3.1227% | 5,164 |
| Noninterest income to average assets | 0.2098% | 5,680 |
| Noninterest expense to average assets | 2.4124% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6046% | 4,179 |
| Return on assets (ROA) | 0.6046% | 4,254 |
| Pretax return on assets | 0.5861% | 4,878 |
| Return on Equity (ROE) | 5.9268% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.9268% | 2,580 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4527% | 2,141 |
| Assets per employee ($millions) | 4.7621% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 3,261 |
| 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 | 49.8613% | 4,926 |
| Net loans and leases to deposits | 56.9661% | 5,036 |
| Net loans and leases to core deposits | 58.9889% | 5,129 |
| Total domestic deposits to total assets | 87.5279% | 2,492 |
| Equity capital to assets | 10.0601% | 3,775 |
| Core capital (leverage) ratio | 8.8490% | 5,198 |
| Tier 1 risk-based capital ratio | 14.7622% | 3,844 |
| Total risk-based capital ratio | 16.0116% | 3,793 |
| Memoranda: | ||
| Average total assets | $64,833,000 | 5,597 |
| Average earning assets | $57,898,500 | 5,613 |
| Average equity | $6,614,000 | 5,615 |
| Average total loans | $35,484,000 | 5,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,365 |
| Cost of funding earning assets | 0.4508% | 4,103 |
| Net interest margin | 3.4750% | 4,007 |
| Noninterest income to average assets | 0.2633% | 5,461 |
| Noninterest expense to average assets | 2.4676% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8412% | 3,083 |
| Return on assets (ROA) | 0.8541% | 3,089 |
| Pretax return on assets | 0.8156% | 4,088 |
| Return on Equity (ROE) | 7.9727% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.7275% | 4,295 |
| Net charge-offs to loans | 0.0115% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 374 |
| Efficiency ratio | 75.4541% | 2,865 |
| Assets per employee ($millions) | 4.4998% | 2,901 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 3,948 |
| 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 | 58.3044% | 3,979 |
| Net loans and leases to deposits | 66.9559% | 4,184 |
| Net loans and leases to core deposits | 69.4894% | 4,344 |
| Total domestic deposits to total assets | 87.0787% | 2,682 |
| Equity capital to assets | 10.3513% | 3,341 |
| Core capital (leverage) ratio | 9.1325% | 4,807 |
| Tier 1 risk-based capital ratio | 13.4411% | 4,690 |
| Total risk-based capital ratio | 14.6254% | 4,678 |
| Memoranda: | ||
| Average total assets | $62,288,400 | 5,696 |
| Average earning assets | $53,898,800 | 5,771 |
| Average equity | $6,672,800 | 5,654 |
| Average total loans | $34,769,800 | 5,549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,638 |
| Cost of funding earning assets | 0.4613% | 4,156 |
| Net interest margin | 3.3988% | 4,290 |
| Noninterest income to average assets | 0.2361% | 5,743 |
| Noninterest expense to average assets | 2.4407% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7728% | 3,494 |
| Return on assets (ROA) | 0.7728% | 3,622 |
| Pretax return on assets | 0.7213% | 4,605 |
| Return on Equity (ROE) | 7.1526% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.1526% | 1,805 |
| Net charge-offs to loans | 0.0039% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 336.8346% | 175 |
| Efficiency ratio | 77.1894% | 2,525 |
| Assets per employee ($millions) | 4.1043% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 59.8856% | 3,713 |
| Net loans and leases to deposits | 72.0669% | 3,508 |
| Net loans and leases to core deposits | 74.9990% | 3,733 |
| Total domestic deposits to total assets | 83.0973% | 4,540 |
| Equity capital to assets | 10.9674% | 2,785 |
| Core capital (leverage) ratio | 9.8020% | 3,956 |
| Tier 1 risk-based capital ratio | 13.7845% | 4,579 |
| Total risk-based capital ratio | 14.9698% | 4,574 |
| Memoranda: | ||
| Average total assets | $62,111,250 | 5,764 |
| Average earning assets | $53,468,750 | 5,842 |
| Average equity | $6,710,750 | 5,711 |
| Average total loans | $34,155,250 | 5,630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 4,773 |
| Cost of funding earning assets | 0.4625% | 4,285 |
| Net interest margin | 3.3534% | 4,365 |
| Noninterest income to average assets | 0.2312% | 5,794 |
| Noninterest expense to average assets | 2.4240% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7705% | 3,463 |
| Return on assets (ROA) | 0.7705% | 3,620 |
| Pretax return on assets | 0.6935% | 4,699 |
| Return on Equity (ROE) | 7.1674% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.1674% | 1,812 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7549% | 2,502 |
| Assets per employee ($millions) | 3.8971% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,892 |
| 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 | 55.4873% | 4,376 |
| Net loans and leases to deposits | 64.0064% | 4,501 |
| Net loans and leases to core deposits | 66.4656% | 4,644 |
| Total domestic deposits to total assets | 86.6903% | 3,002 |
| Equity capital to assets | 10.6875% | 3,074 |
| Core capital (leverage) ratio | 9.1790% | 4,727 |
| Tier 1 risk-based capital ratio | 14.2657% | 4,249 |
| Total risk-based capital ratio | 15.5214% | 4,197 |
| Memoranda: | ||
| Average total assets | $62,293,670 | 5,795 |
| Average earning assets | $53,617,330 | 5,874 |
| Average equity | $6,697,000 | 5,760 |
| Average total loans | $33,084,000 | 5,709 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,904 |
| Cost of funding earning assets | 0.4560% | 4,527 |
| Net interest margin | 3.3189% | 4,446 |
| Noninterest income to average assets | 0.2248% | 5,859 |
| Noninterest expense to average assets | 2.3834% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6489% | 3,968 |
| Return on assets (ROA) | 0.6489% | 4,126 |
| Pretax return on assets | 0.6938% | 4,603 |
| Return on Equity (ROE) | 6.0177% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.0177% | 2,669 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4530% | 2,700 |
| Assets per employee ($millions) | 4.0807% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,140 |
| 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 | 45.3248% | 5,511 |
| Net loans and leases to deposits | 51.6187% | 5,658 |
| Net loans and leases to core deposits | 53.4845% | 5,712 |
| Total domestic deposits to total assets | 87.8069% | 2,452 |
| Equity capital to assets | 10.3460% | 3,742 |
| Core capital (leverage) ratio | 9.0709% | 4,766 |
| Tier 1 risk-based capital ratio | 15.1250% | 3,755 |
| Total risk-based capital ratio | 16.3761% | 3,706 |
| Memoranda: | ||
| Average total assets | $62,264,000 | 5,859 |
| Average earning assets | $53,511,000 | 5,920 |
| Average equity | $6,713,500 | 5,813 |
| Average total loans | $32,076,000 | 5,791 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 3,974 |
| Cost of funding earning assets | 0.5886% | 4,457 |
| Net interest margin | 3.7748% | 3,341 |
| Noninterest income to average assets | 0.3034% | 5,280 |
| Noninterest expense to average assets | 2.7126% | 4,355 |
| Loan and lease loss provision to assets | 0.0763% | 4,766 |
| Net operating income to assets | 0.7458% | 3,533 |
| Return on assets (ROA) | 0.8125% | 3,475 |
| Pretax return on assets | 0.8622% | 4,062 |
| Return on Equity (ROE) | 6.8171% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,053 |
| Net charge-offs to loans | -0.0333% | 6,629 |
| Credit loss provision to net charge-offs | -390.9091% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7681% | 2,785 |
| Assets per employee ($millions) | 3.7023% | 4,554 |
| Cash dividends to net income (ytd only)* | 54.5852% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,843 |
| 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 | 56.6453% | 4,175 |
| Net loans and leases to deposits | 66.6475% | 4,185 |
| Net loans and leases to core deposits | 70.8704% | 4,184 |
| Total domestic deposits to total assets | 84.9925% | 3,868 |
| Equity capital to assets | 11.2632% | 2,672 |
| Core capital (leverage) ratio | 9.8641% | 3,587 |
| Tier 1 risk-based capital ratio | 13.9312% | 4,424 |
| Total risk-based capital ratio | 15.1796% | 4,398 |
| Memoranda: | ||
| Average total assets | $56,367,000 | 6,015 |
| Average earning assets | $48,930,200 | 6,088 |
| Average equity | $6,718,400 | 5,840 |
| Average total loans | $33,011,600 | 5,801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 4,138 |
| Cost of funding earning assets | 0.6111% | 4,528 |
| Net interest margin | 3.7684% | 3,472 |
| Noninterest income to average assets | 0.2971% | 5,398 |
| Noninterest expense to average assets | 2.6978% | 4,372 |
| Loan and lease loss provision to assets | 0.1030% | 4,292 |
| Net operating income to assets | 0.7333% | 3,760 |
| Return on assets (ROA) | 0.8266% | 3,560 |
| Pretax return on assets | 0.8745% | 4,211 |
| Return on Equity (ROE) | 6.8349% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.8349% | 2,218 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4186% | 2,757 |
| Assets per employee ($millions) | 3.3987% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,274 |
| 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 | 62.5701% | 3,288 |
| Net loans and leases to deposits | 75.2333% | 3,104 |
| Net loans and leases to core deposits | 80.5802% | 3,133 |
| Total domestic deposits to total assets | 83.1681% | 4,571 |
| Equity capital to assets | 12.6611% | 1,792 |
| Core capital (leverage) ratio | 10.5220% | 2,886 |
| Tier 1 risk-based capital ratio | 14.4184% | 4,245 |
| Total risk-based capital ratio | 15.6693% | 4,210 |
| Memoranda: | ||
| Average total assets | $55,649,500 | 6,101 |
| Average earning assets | $48,437,000 | 6,183 |
| Average equity | $6,730,000 | 5,897 |
| Average total loans | $32,750,250 | 5,892 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 4,374 |
| Cost of funding earning assets | 0.6216% | 4,704 |
| Net interest margin | 3.7297% | 3,687 |
| Noninterest income to average assets | 0.2782% | 5,586 |
| Noninterest expense to average assets | 2.6501% | 4,604 |
| Loan and lease loss provision to assets | 0.1070% | 4,187 |
| Net operating income to assets | 0.7169% | 3,774 |
| Return on assets (ROA) | 0.7169% | 4,044 |
| Pretax return on assets | 0.7526% | 4,641 |
| Return on Equity (ROE) | 6.0195% | 4,320 |
| Retained earnings to average equity (ytd only) | 6.0195% | 2,707 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5081% | 2,825 |
| Assets per employee ($millions) | 3.3448% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,271 |
| 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 | 60.9649% | 3,632 |
| Net loans and leases to deposits | 73.3465% | 3,401 |
| Net loans and leases to core deposits | 77.2798% | 3,618 |
| Total domestic deposits to total assets | 83.1191% | 4,705 |
| Equity capital to assets | 12.6897% | 1,692 |
| Core capital (leverage) ratio | 10.1002% | 3,276 |
| Tier 1 risk-based capital ratio | 14.5473% | 4,068 |
| Total risk-based capital ratio | 15.7983% | 4,032 |
| Memoranda: | ||
| Average total assets | $56,073,000 | 6,134 |
| Average earning assets | $48,583,330 | 6,214 |
| Average equity | $6,678,330 | 5,938 |
| Average total loans | $32,161,670 | 5,957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 4,479 |
| Cost of funding earning assets | 0.6356% | 4,852 |
| Net interest margin | 3.7240% | 3,716 |
| Noninterest income to average assets | 0.2232% | 6,018 |
| Noninterest expense to average assets | 2.5666% | 4,937 |
| Loan and lease loss provision to assets | 0.1046% | 4,033 |
| Net operating income to assets | 0.7184% | 3,789 |
| Return on assets (ROA) | 0.7184% | 4,014 |
| Pretax return on assets | 0.7393% | 4,654 |
| Return on Equity (ROE) | 6.2217% | 4,177 |
| Retained earnings to average equity (ytd only) | 6.2217% | 2,831 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2556% | 2,898 |
| Assets per employee ($millions) | 3.6449% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,825 |
| 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 | 49.6065% | 5,364 |
| Net loans and leases to deposits | 58.5177% | 5,320 |
| Net loans and leases to core deposits | 61.3262% | 5,402 |
| Total domestic deposits to total assets | 84.7717% | 4,133 |
| Equity capital to assets | 11.4354% | 2,498 |
| Core capital (leverage) ratio | 9.4757% | 4,089 |
| Tier 1 risk-based capital ratio | 15.5576% | 3,407 |
| Total risk-based capital ratio | 16.8011% | 3,391 |
| Memoranda: | ||
| Average total assets | $57,351,500 | 6,136 |
| Average earning assets | $49,086,500 | 6,239 |
| Average equity | $6,622,000 | 5,993 |
| Average total loans | $31,690,500 | 6,029 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 5,272 |
| Cost of funding earning assets | 0.7790% | 5,007 |
| Net interest margin | 3.6643% | 4,457 |
| Noninterest income to average assets | 0.2490% | 5,750 |
| Noninterest expense to average assets | 2.5935% | 5,125 |
| Loan and lease loss provision to assets | 0.1578% | 4,663 |
| Net operating income to assets | 0.7575% | 3,227 |
| Return on assets (ROA) | 0.7575% | 3,391 |
| Pretax return on assets | 0.8136% | 3,931 |
| Return on Equity (ROE) | 6.6124% | 3,581 |
| Retained earnings to average equity (ytd only) | -1.0408% | 6,011 |
| Net charge-offs to loans | 0.1376% | 5,043 |
| Credit loss provision to net charge-offs | 204.5455% | 1,215 |
| Earnings coverage of net charge-offs (x) | 12.5909% | 1,610 |
| Efficiency ratio | 72.7496% | 3,439 |
| Assets per employee ($millions) | 3.5240% | 4,957 |
| Cash dividends to net income (ytd only)* | 115.7407% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 4,819 |
| 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 | 59.4850% | 4,085 |
| Net loans and leases to deposits | 72.0237% | 3,788 |
| Net loans and leases to core deposits | 75.7025% | 4,023 |
| Total domestic deposits to total assets | 82.5908% | 4,930 |
| Equity capital to assets | 11.6611% | 2,373 |
| Core capital (leverage) ratio | 9.3465% | 4,255 |
| Tier 1 risk-based capital ratio | 13.6411% | 4,599 |
| Total risk-based capital ratio | 14.8083% | 4,627 |
| Memoranda: | ||
| Average total assets | $57,027,400 | 6,137 |
| Average earning assets | $51,606,000 | 6,136 |
| Average equity | $6,533,200 | 6,007 |
| Average total loans | $31,981,000 | 6,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 5,731 |
| Cost of funding earning assets | 0.8022% | 5,134 |
| Net interest margin | 3.5602% | 4,942 |
| Noninterest income to average assets | 0.2331% | 5,952 |
| Noninterest expense to average assets | 2.5716% | 5,192 |
| Loan and lease loss provision to assets | 0.1049% | 5,133 |
| Net operating income to assets | 0.7437% | 3,414 |
| Return on assets (ROA) | 0.7437% | 3,582 |
| Pretax return on assets | 0.7950% | 4,149 |
| Return on Equity (ROE) | 6.5206% | 3,757 |
| Retained earnings to average equity (ytd only) | 1.4104% | 5,443 |
| Net charge-offs to loans | 0.1906% | 4,270 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 8.5775% | 2,156 |
| Efficiency ratio | 74.0766% | 3,167 |
| Assets per employee ($millions) | 3.5059% | 4,982 |
| Cash dividends to net income (ytd only)* | 78.3716% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 5,696 |
| 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 | 61.9300% | 3,743 |
| Net loans and leases to deposits | 77.8831% | 3,019 |
| Net loans and leases to core deposits | 82.0458% | 3,322 |
| Total domestic deposits to total assets | 79.5165% | 5,863 |
| Equity capital to assets | 11.9763% | 2,267 |
| Core capital (leverage) ratio | 9.8138% | 3,691 |
| Tier 1 risk-based capital ratio | 13.6596% | 4,608 |
| Total risk-based capital ratio | 14.6847% | 4,755 |
| Memoranda: | ||
| Average total assets | $57,188,250 | 6,182 |
| Average earning assets | $52,018,750 | 6,173 |
| Average equity | $6,522,750 | 6,050 |
| Average total loans | $31,479,250 | 6,167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 6,321 |
| Cost of funding earning assets | 0.8303% | 5,192 |
| Net interest margin | 3.3515% | 5,706 |
| Noninterest income to average assets | 0.2328% | 5,975 |
| Noninterest expense to average assets | 2.5854% | 5,240 |
| Loan and lease loss provision to assets | 0.1043% | 5,006 |
| Net operating income to assets | 0.5595% | 4,267 |
| Return on assets (ROA) | 0.5595% | 4,391 |
| Pretax return on assets | 0.6012% | 4,737 |
| Return on Equity (ROE) | 4.9863% | 4,458 |
| Retained earnings to average equity (ytd only) | -2.7564% | 6,345 |
| Net charge-offs to loans | 0.3107% | 3,321 |
| Credit loss provision to net charge-offs | 63.8298% | 4,238 |
| Earnings coverage of net charge-offs (x) | 4.3191% | 2,893 |
| Efficiency ratio | 78.5639% | 2,618 |
| Assets per employee ($millions) | 3.3999% | 5,198 |
| Cash dividends to net income (ytd only)* | 155.2795% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,366 |
| 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 | 56.3889% | 4,925 |
| Net loans and leases to deposits | 71.0316% | 4,287 |
| Net loans and leases to core deposits | 74.9578% | 4,444 |
| Total domestic deposits to total assets | 79.3857% | 5,982 |
| Equity capital to assets | 11.9083% | 2,157 |
| Core capital (leverage) ratio | 9.4670% | 4,003 |
| Tier 1 risk-based capital ratio | 14.6670% | 3,688 |
| Total risk-based capital ratio | 15.7511% | 3,762 |
| Memoranda: | ||
| Average total assets | $57,553,000 | 6,221 |
| Average earning assets | $52,513,670 | 6,209 |
| Average equity | $6,457,670 | 6,099 |
| Average total loans | $30,258,330 | 6,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 6,696 |
| Cost of funding earning assets | 0.8596% | 5,211 |
| Net interest margin | 3.1418% | 6,240 |
| Noninterest income to average assets | 0.2503% | 5,899 |
| Noninterest expense to average assets | 2.5503% | 5,386 |
| Loan and lease loss provision to assets | 0.1015% | 4,738 |
| Net operating income to assets | 0.4262% | 4,818 |
| Return on assets (ROA) | 0.4262% | 4,911 |
| Pretax return on assets | 0.4668% | 5,133 |
| Return on Equity (ROE) | 3.9085% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.9085% | 3,825 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7787% | 2,261 |
| Assets per employee ($millions) | 3.6908% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 4,127 |
| 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 | 45.8511% | 6,301 |
| Net loans and leases to deposits | 56.5899% | 6,074 |
| Net loans and leases to core deposits | 59.3980% | 6,150 |
| Total domestic deposits to total assets | 81.0235% | 5,647 |
| Equity capital to assets | 11.0208% | 2,665 |
| Core capital (leverage) ratio | 9.1665% | 4,347 |
| Tier 1 risk-based capital ratio | 16.5821% | 2,627 |
| Total risk-based capital ratio | 17.8326% | 2,605 |
| Memoranda: | ||
| Average total assets | $59,130,000 | 6,212 |
| Average earning assets | $53,981,000 | 6,201 |
| Average equity | $6,447,500 | 6,109 |
| Average total loans | $29,857,500 | 6,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 4,789 |
| Cost of funding earning assets | 1.1473% | 4,868 |
| Net interest margin | 3.8020% | 3,938 |
| Noninterest income to average assets | 0.2737% | 5,826 |
| Noninterest expense to average assets | 2.4980% | 5,809 |
| Loan and lease loss provision to assets | 1.1941% | 1,318 |
| Net operating income to assets | 0.0219% | 5,770 |
| Return on assets (ROA) | 0.1133% | 5,697 |
| Pretax return on assets | 0.1238% | 5,653 |
| Return on Equity (ROE) | 1.0256% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.0256% | 5,025 |
| Net charge-offs to loans | 1.8067% | 1,166 |
| Credit loss provision to net charge-offs | 113.2231% | 3,846 |
| Earnings coverage of net charge-offs (x) | 1.1554% | 4,953 |
| Efficiency ratio | 67.2139% | 4,720 |
| Assets per employee ($millions) | 3.7005% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 53.7427% | 5,665 |
| Net loans and leases to deposits | 66.1731% | 5,379 |
| Net loans and leases to core deposits | 76.2704% | 4,669 |
| Total domestic deposits to total assets | 81.2154% | 5,450 |
| Equity capital to assets | 10.7874% | 2,872 |
| Core capital (leverage) ratio | 9.2777% | 4,047 |
| Tier 1 risk-based capital ratio | 13.7387% | 4,029 |
| Total risk-based capital ratio | 14.7823% | 4,140 |
| Memoranda: | ||
| Average total assets | $57,365,600 | 6,295 |
| Average earning assets | $51,945,800 | 6,290 |
| Average equity | $6,337,600 | 6,257 |
| Average total loans | $33,486,800 | 6,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 4,476 |
| Cost of funding earning assets | 1.1938% | 4,894 |
| Net interest margin | 3.8766% | 3,631 |
| Noninterest income to average assets | 0.2648% | 5,999 |
| Noninterest expense to average assets | 2.5633% | 5,456 |
| Loan and lease loss provision to assets | 1.5698% | 833 |
| Net operating income to assets | -0.3350% | 6,461 |
| Return on assets (ROA) | -0.3350% | 6,509 |
| Pretax return on assets | -0.3608% | 6,453 |
| Return on Equity (ROE) | -3.0143% | 6,491 |
| Retained earnings to average equity (ytd only) | -3.0143% | 6,354 |
| Net charge-offs to loans | 2.4968% | 681 |
| Credit loss provision to net charge-offs | 105.8452% | 4,036 |
| Earnings coverage of net charge-offs (x) | 0.8152% | 5,238 |
| Efficiency ratio | 67.9503% | 4,473 |
| Assets per employee ($millions) | 3.5099% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 5,983 |
| Loan loss allowance to noncurrent loans | 86.9249% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 5,639 |
| Noncurrent loans to loans | 1.2532% | 4,760 |
| Net loans and leases to total assets | 58.0452% | 5,261 |
| Net loans and leases to deposits | 75.1135% | 4,329 |
| Net loans and leases to core deposits | 88.0262% | 3,367 |
| Total domestic deposits to total assets | 77.2766% | 6,424 |
| Equity capital to assets | 11.4498% | 2,576 |
| Core capital (leverage) ratio | 9.1612% | 4,443 |
| Tier 1 risk-based capital ratio | 13.1399% | 4,465 |
| Total risk-based capital ratio | 14.0684% | 4,703 |
| Memoranda: | ||
| Average total assets | $56,905,000 | 6,389 |
| Average earning assets | $51,487,000 | 6,384 |
| Average equity | $6,325,250 | 6,345 |
| Average total loans | $33,803,000 | 6,301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1175% | 4,358 |
| Cost of funding earning assets | 1.1970% | 5,146 |
| Net interest margin | 3.9204% | 3,350 |
| Noninterest income to average assets | 0.2520% | 6,108 |
| Noninterest expense to average assets | 2.5685% | 5,460 |
| Loan and lease loss provision to assets | 2.2921% | 510 |
| Net operating income to assets | -0.9903% | 6,940 |
| Return on assets (ROA) | -0.9903% | 6,962 |
| Pretax return on assets | -1.0673% | 6,919 |
| Return on Equity (ROE) | -8.9979% | 6,929 |
| Retained earnings to average equity (ytd only) | -8.9979% | 6,868 |
| Net charge-offs to loans | 3.7083% | 373 |
| Credit loss provision to net charge-offs | 103.6392% | 3,937 |
| Earnings coverage of net charge-offs (x) | 0.5538% | 5,176 |
| Efficiency ratio | 67.7122% | 4,628 |
| Assets per employee ($millions) | 3.5378% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 6,237 |
| Loan loss allowance to noncurrent loans | 41.4958% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4645% | 4,265 |
| Noncurrent loans to loans | 2.5029% | 3,148 |
| Net loans and leases to total assets | 57.9048% | 5,432 |
| Net loans and leases to deposits | 74.3563% | 4,620 |
| Net loans and leases to core deposits | 86.9071% | 3,714 |
| Total domestic deposits to total assets | 77.8747% | 6,296 |
| Equity capital to assets | 11.0467% | 2,810 |
| Core capital (leverage) ratio | 8.6757% | 5,118 |
| Tier 1 risk-based capital ratio | 12.7148% | 4,677 |
| Total risk-based capital ratio | 13.6011% | 4,973 |
| Memoranda: | ||
| Average total assets | $57,154,000 | 6,428 |
| Average earning assets | $51,627,000 | 6,419 |
| Average equity | $6,290,330 | 6,378 |
| Average total loans | $34,085,330 | 6,328 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 4,518 |
| Cost of funding earning assets | 1.1879% | 5,470 |
| Net interest margin | 3.9132% | 3,269 |
| Noninterest income to average assets | 0.2647% | 6,034 |
| Noninterest expense to average assets | 2.5005% | 5,730 |
| Loan and lease loss provision to assets | 4.2836% | 194 |
| Net operating income to assets | -2.8070% | 7,615 |
| Return on assets (ROA) | -2.8070% | 7,615 |
| Pretax return on assets | -3.0090% | 7,599 |
| Return on Equity (ROE) | -25.5508% | 7,506 |
| Retained earnings to average equity (ytd only) | -25.5508% | 7,467 |
| Net charge-offs to loans | 7.0124% | 137 |
| Credit loss provision to net charge-offs | 101.4851% | 3,350 |
| Earnings coverage of net charge-offs (x) | 0.3020% | 4,773 |
| Efficiency ratio | 66.2362% | 5,067 |
| Assets per employee ($millions) | 3.6815% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,492 |
| Loan loss allowance to noncurrent loans | 226.7123% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,846 |
| Noncurrent loans to loans | 0.4396% | 6,418 |
| Net loans and leases to total assets | 55.8162% | 5,771 |
| Net loans and leases to deposits | 70.6537% | 5,245 |
| Net loans and leases to core deposits | 81.8512% | 4,509 |
| Total domestic deposits to total assets | 78.9997% | 6,080 |
| Equity capital to assets | 10.3847% | 3,362 |
| Core capital (leverage) ratio | 8.6296% | 5,155 |
| Tier 1 risk-based capital ratio | 12.2559% | 4,938 |
| Total risk-based capital ratio | 13.0986% | 5,291 |
| Memoranda: | ||
| Average total assets | $57,428,500 | 6,486 |
| Average earning assets | $51,517,500 | 6,493 |
| Average equity | $6,309,000 | 6,412 |
| Average total loans | $34,567,500 | 6,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6840% | 3,188 |
| Cost of funding earning assets | 1.2956% | 6,320 |
| Net interest margin | 4.3884% | 1,471 |
| Noninterest income to average assets | 0.2991% | 5,958 |
| Noninterest expense to average assets | 2.7292% | 5,253 |
| Loan and lease loss provision to assets | 0.2411% | 5,451 |
| Net operating income to assets | 1.2356% | 1,165 |
| Return on assets (ROA) | 1.2356% | 1,217 |
| Pretax return on assets | 1.3365% | 1,598 |
| Return on Equity (ROE) | 10.3846% | 1,584 |
| Retained earnings to average equity (ytd only) | 3.6291% | 2,642 |
| Net charge-offs to loans | 0.3155% | 4,665 |
| Credit loss provision to net charge-offs | 120.5607% | 4,437 |
| Earnings coverage of net charge-offs (x) | 7.8879% | 2,048 |
| Efficiency ratio | 63.3681% | 5,897 |
| Assets per employee ($millions) | 3.4971% | 5,006 |
| Cash dividends to net income (ytd only)* | 65.0530% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 6,827 |
| Loan loss allowance to noncurrent loans | 32,200.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,542 |
| Noncurrent loans to loans | 0.0028% | 7,448 |
| Net loans and leases to total assets | 63.6320% | 4,670 |
| Net loans and leases to deposits | 82.5428% | 3,536 |
| Net loans and leases to core deposits | 109.8584% | 2,911 |
| Total domestic deposits to total assets | 77.0897% | 6,454 |
| Equity capital to assets | 11.6187% | 2,234 |
| Core capital (leverage) ratio | 9.6411% | 3,534 |
| Tier 1 risk-based capital ratio | 12.7638% | 4,313 |
| Total risk-based capital ratio | 13.5520% | 4,642 |
| Memoranda: | ||
| Average total assets | $53,496,400 | 6,582 |
| Average earning assets | $48,856,400 | 6,567 |
| Average equity | $6,365,200 | 6,477 |
| Average total loans | $33,914,600 | 6,400 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6748% | 3,453 |
| Cost of funding earning assets | 1.3058% | 6,540 |
| Net interest margin | 4.3690% | 1,535 |
| Noninterest income to average assets | 0.2723% | 6,284 |
| Noninterest expense to average assets | 2.7936% | 4,923 |
| Loan and lease loss provision to assets | 0.2925% | 4,633 |
| Net operating income to assets | 1.1169% | 1,684 |
| Return on assets (ROA) | 1.1169% | 1,747 |
| Pretax return on assets | 1.2102% | 2,233 |
| Return on Equity (ROE) | 9.3291% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.5386% | 2,182 |
| Net charge-offs to loans | 0.4310% | 3,528 |
| Credit loss provision to net charge-offs | 107.4074% | 4,732 |
| Earnings coverage of net charge-offs (x) | 5.5184% | 2,799 |
| Efficiency ratio | 65.0235% | 5,545 |
| Assets per employee ($millions) | 3.3163% | 5,351 |
| Cash dividends to net income (ytd only)* | 40.6315% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 6,891 |
| Loan loss allowance to noncurrent loans | 30,700.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,612 |
| Noncurrent loans to loans | 0.0028% | 7,533 |
| Net loans and leases to total assets | 66.0391% | 4,427 |
| Net loans and leases to deposits | 89.5937% | 2,652 |
| Net loans and leases to core deposits | 119.1911% | 2,317 |
| Total domestic deposits to total assets | 73.7095% | 7,004 |
| Equity capital to assets | 12.3424% | 2,036 |
| Core capital (leverage) ratio | 10.0550% | 3,229 |
| Tier 1 risk-based capital ratio | 13.5527% | 3,810 |
| Total risk-based capital ratio | 14.3463% | 4,059 |
| Memoranda: | ||
| Average total assets | $52,882,250 | 6,645 |
| Average earning assets | $48,705,250 | 6,624 |
| Average equity | $6,331,250 | 6,544 |
| Average total loans | $33,411,750 | 6,487 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 4,004 |
| Cost of funding earning assets | 1.2985% | 6,812 |
| Net interest margin | 4.3146% | 1,615 |
| Noninterest income to average assets | 0.2764% | 6,286 |
| Noninterest expense to average assets | 2.8132% | 4,902 |
| Loan and lease loss provision to assets | 0.0454% | 6,776 |
| Net operating income to assets | 1.2911% | 1,249 |
| Return on assets (ROA) | 1.2911% | 1,336 |
| Pretax return on assets | 1.3933% | 1,746 |
| Return on Equity (ROE) | 10.8969% | 1,729 |
| Retained earnings to average equity (ytd only) | 7.0622% | 1,558 |
| Net charge-offs to loans | 0.0183% | 6,265 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 311 |
| Efficiency ratio | 66.1621% | 5,524 |
| Assets per employee ($millions) | 3.3593% | 5,161 |
| Cash dividends to net income (ytd only)* | 35.1906% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,717 |
| Loan loss allowance to noncurrent loans | 5,150.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 7,612 |
| Noncurrent loans to loans | 0.0177% | 7,507 |
| Net loans and leases to total assets | 62.4253% | 5,280 |
| Net loans and leases to deposits | 83.9140% | 3,894 |
| Net loans and leases to core deposits | 110.5390% | 3,320 |
| Total domestic deposits to total assets | 74.3921% | 6,895 |
| Equity capital to assets | 11.9370% | 2,243 |
| Core capital (leverage) ratio | 10.1589% | 3,141 |
| Tier 1 risk-based capital ratio | 13.8988% | 3,578 |
| Total risk-based capital ratio | 14.7250% | 3,765 |
| Memoranda: | ||
| Average total assets | $52,822,670 | 6,705 |
| Average earning assets | $48,671,670 | 6,683 |
| Average equity | $6,258,670 | 6,617 |
| Average total loans | $32,766,330 | 6,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 3,973 |
| Cost of funding earning assets | 1.3287% | 6,937 |
| Net interest margin | 4.3347% | 1,504 |
| Noninterest income to average assets | 0.2750% | 6,227 |
| Noninterest expense to average assets | 2.7044% | 4,987 |
| Loan and lease loss provision to assets | 0.0458% | 6,402 |
| Net operating income to assets | 1.3751% | 1,193 |
| Return on assets (ROA) | 1.3751% | 1,285 |
| Pretax return on assets | 1.5126% | 1,631 |
| Return on Equity (ROE) | 11.6505% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.6505% | 857 |
| Net charge-offs to loans | 0.0372% | 4,987 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 585 |
| Efficiency ratio | 63.4409% | 5,789 |
| Assets per employee ($millions) | 3.2874% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.8559% | 5,679 |
| Net loans and leases to deposits | 76.9191% | 5,098 |
| Net loans and leases to core deposits | 100.3218% | 4,508 |
| Total domestic deposits to total assets | 77.8166% | 6,077 |
| Equity capital to assets | 12.0746% | 2,213 |
| Core capital (leverage) ratio | 10.2239% | 3,177 |
| Tier 1 risk-based capital ratio | 14.5127% | 3,305 |
| Total risk-based capital ratio | 15.3664% | 3,448 |
| Memoranda: | ||
| Average total assets | $52,359,500 | 6,770 |
| Average earning assets | $48,169,000 | 6,742 |
| Average equity | $6,180,000 | 6,695 |
| Average total loans | $32,218,500 | 6,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5110% | 2,906 |
| Cost of funding earning assets | 2.1873% | 5,657 |
| Net interest margin | 4.3236% | 1,905 |
| Noninterest income to average assets | 0.3374% | 6,040 |
| Noninterest expense to average assets | 2.7054% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4608% | 1,104 |
| Return on assets (ROA) | 1.4608% | 1,062 |
| Pretax return on assets | 1.5699% | 1,478 |
| Return on Equity (ROE) | 12.6962% | 1,409 |
| Retained earnings to average equity (ytd only) | 6.5501% | 1,319 |
| Net charge-offs to loans | -0.0398% | 8,004 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2798% | 5,715 |
| Assets per employee ($millions) | 3.2576% | 5,317 |
| Cash dividends to net income (ytd only)* | 48.4094% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 6,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.0690% | 5,615 |
| Net loans and leases to deposits | 82.0550% | 4,720 |
| Net loans and leases to core deposits | 102.0343% | 4,606 |
| Total domestic deposits to total assets | 75.6432% | 6,313 |
| Equity capital to assets | 11.5289% | 2,619 |
| Core capital (leverage) ratio | 9.8414% | 3,600 |
| Tier 1 risk-based capital ratio | 13.6867% | 3,704 |
| Total risk-based capital ratio | 14.5099% | 3,871 |
| Memoranda: | ||
| Average total assets | $49,493,000 | 6,801 |
| Average earning assets | $45,077,800 | 6,809 |
| Average equity | $5,694,600 | 6,917 |
| Average total loans | $30,146,600 | 6,698 |