Home > Home Banking Company > Performance and Condition Ratios
Home Banking Company, 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 | 4.1702% | 3,681 |
| Cost of funding earning assets | 1.1990% | 2,807 |
| Net interest margin | 2.9712% | 3,356 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.8298% | 1,430 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2359% | 4,119 |
| Return on assets (ROA) | 0.2124% | 4,165 |
| Pretax return on assets | 0.2597% | 4,132 |
| Return on Equity (ROE) | 4.5100% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.6956% | 3,381 |
| Net charge-offs to loans | 0.0400% | 1,515 |
| Credit loss provision to net charge-offs | 250.0000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,905 |
| Efficiency ratio | 89.5143% | 425 |
| Assets per employee ($millions) | 5.7361% | 3,037 |
| Cash dividends to net income (ytd only)* | 40.2027% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,702 |
| Loan loss allowance to noncurrent loans | 145.3682% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 1,812 |
| Noncurrent loans to loans | 0.6211% | 1,269 |
| Net loans and leases to total assets | 45.0400% | 3,859 |
| Net loans and leases to deposits | 51.1751% | 3,906 |
| Net loans and leases to core deposits | 63.3664% | 3,620 |
| Total domestic deposits to total assets | 88.0200% | 1,349 |
| Equity capital to assets | 4.7660% | 4,441 |
| Core capital (leverage) ratio | 7.6157% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2374% | 1,466 |
| Memoranda: | ||
| Average total assets | $139,376,000 | 3,467 |
| Average earning assets | $129,777,800 | 3,448 |
| Average equity | $6,566,200 | 4,105 |
| Average total loans | $59,941,600 | 3,712 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,690 |
| Cost of funding earning assets | 0.9920% | 3,059 |
| Net interest margin | 3.0900% | 3,157 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.8830% | 1,259 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2932% | 4,121 |
| Return on assets (ROA) | 0.2648% | 4,162 |
| Pretax return on assets | 0.3272% | 4,137 |
| Return on Equity (ROE) | 5.6400% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.6076% | 3,354 |
| Net charge-offs to loans | 0.0529% | 1,147 |
| Credit loss provision to net charge-offs | 173.9130% | 1,216 |
| Earnings coverage of net charge-offs (x) | 17.9130% | 1,886 |
| Efficiency ratio | 87.7854% | 447 |
| Assets per employee ($millions) | 5.1823% | 3,448 |
| Cash dividends to net income (ytd only)* | 36.0294% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 3,699 |
| Loan loss allowance to noncurrent loans | 313.7566% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 2,661 |
| Noncurrent loans to loans | 0.2896% | 2,196 |
| Net loans and leases to total assets | 46.2100% | 3,821 |
| Net loans and leases to deposits | 51.7263% | 3,883 |
| Net loans and leases to core deposits | 64.1956% | 3,516 |
| Total domestic deposits to total assets | 89.3400% | 1,145 |
| Equity capital to assets | 4.5997% | 4,319 |
| Core capital (leverage) ratio | 7.7397% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3285% | 1,466 |
| Memoranda: | ||
| Average total assets | $136,935,250 | 3,492 |
| Average earning assets | $127,547,750 | 3,478 |
| Average equity | $6,430,750 | 4,119 |
| Average total loans | $57,980,000 | 3,741 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 3,833 |
| Cost of funding earning assets | 0.7655% | 3,312 |
| Net interest margin | 3.1563% | 3,091 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.8689% | 1,282 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3734% | 4,044 |
| Return on assets (ROA) | 0.3310% | 4,137 |
| Pretax return on assets | 0.4164% | 4,094 |
| Return on Equity (ROE) | 7.0000% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.0708% | 2,917 |
| Net charge-offs to loans | 0.0144% | 1,658 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 84.7500% | 1,021 |
| Efficiency ratio | 85.1900% | 535 |
| Assets per employee ($millions) | 5.3717% | 3,260 |
| Cash dividends to net income (ytd only)* | 27.5556% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 3,635 |
| Loan loss allowance to noncurrent loans | 445.1128% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 2,898 |
| Noncurrent loans to loans | 0.2128% | 2,411 |
| Net loans and leases to total assets | 42.6900% | 3,937 |
| Net loans and leases to deposits | 48.2514% | 3,982 |
| Net loans and leases to core deposits | 57.2436% | 3,755 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 4.5299% | 4,439 |
| Core capital (leverage) ratio | 8.0145% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8127% | 1,358 |
| Memoranda: | ||
| Average total assets | $135,939,333 | 3,508 |
| Average earning assets | $127,236,000 | 3,493 |
| Average equity | $6,429,000 | 4,150 |
| Average total loans | $55,555,333 | 3,782 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,696 |
| Cost of funding earning assets | 0.6466% | 3,234 |
| Net interest margin | 3.2427% | 3,010 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.0682% | 976 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.2697% | 4,288 |
| Return on assets (ROA) | 0.1765% | 4,350 |
| Pretax return on assets | 0.2070% | 4,335 |
| Return on Equity (ROE) | 3.6400% | 4,094 |
| Retained earnings to average equity (ytd only) | 1.7551% | 3,739 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.0459% | 388 |
| Assets per employee ($millions) | 4.8848% | 3,740 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,737 |
| Loan loss allowance to noncurrent loans | 510.8911% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,035 |
| Noncurrent loans to loans | 0.1848% | 2,554 |
| Net loans and leases to total assets | 41.0400% | 3,997 |
| Net loans and leases to deposits | 43.5883% | 4,107 |
| Net loans and leases to core deposits | 46.6353% | 4,092 |
| Total domestic deposits to total assets | 94.1600% | 155 |
| Equity capital to assets | 4.9572% | 4,425 |
| Core capital (leverage) ratio | 8.0196% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2849% | 1,117 |
| Memoranda: | ||
| Average total assets | $131,410,500 | 3,601 |
| Average earning assets | $123,109,000 | 3,570 |
| Average equity | $6,381,500 | 4,206 |
| Average total loans | $52,082,500 | 3,879 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 3,272 |
| Cost of funding earning assets | 0.2141% | 3,642 |
| Net interest margin | 3.2153% | 2,827 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.8345% | 1,251 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.3530% | 4,306 |
| Return on assets (ROA) | 0.3377% | 4,298 |
| Pretax return on assets | 0.4266% | 4,252 |
| Return on Equity (ROE) | 6.1100% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.4776% | 2,843 |
| Net charge-offs to loans | 0.0572% | 1,076 |
| Credit loss provision to net charge-offs | 333.3333% | 860 |
| Earnings coverage of net charge-offs (x) | 24.7037% | 1,786 |
| Efficiency ratio | 84.6136% | 466 |
| Assets per employee ($millions) | 4.6761% | 3,918 |
| Cash dividends to net income (ytd only)* | 10.2975% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,540 |
| Loan loss allowance to noncurrent loans | 549.4253% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,139 |
| Noncurrent loans to loans | 0.1757% | 2,605 |
| Net loans and leases to total assets | 37.4500% | 4,164 |
| Net loans and leases to deposits | 40.3280% | 4,234 |
| Net loans and leases to core deposits | 43.2013% | 4,200 |
| Total domestic deposits to total assets | 92.8800% | 435 |
| Equity capital to assets | 4.7544% | 4,422 |
| Core capital (leverage) ratio | 8.3657% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2985% | 933 |
| Memoranda: | ||
| Average total assets | $129,407,600 | 3,640 |
| Average earning assets | $120,052,400 | 3,621 |
| Average equity | $7,156,400 | 4,190 |
| Average total loans | $47,194,200 | 3,941 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3532% | 3,038 |
| Cost of funding earning assets | 0.1640% | 3,693 |
| Net interest margin | 3.1893% | 2,656 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.8665% | 1,114 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.3193% | 4,362 |
| Return on assets (ROA) | 0.3038% | 4,331 |
| Pretax return on assets | 0.3823% | 4,287 |
| Return on Equity (ROE) | 5.3000% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.4929% | 3,290 |
| Net charge-offs to loans | 0.0629% | 862 |
| Credit loss provision to net charge-offs | 259.0909% | 885 |
| Earnings coverage of net charge-offs (x) | 20.2727% | 1,707 |
| Efficiency ratio | 86.1491% | 457 |
| Assets per employee ($millions) | 4.4906% | 4,063 |
| Cash dividends to net income (ytd only)* | 15.3061% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 3,663 |
| Loan loss allowance to noncurrent loans | 328.4672% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 2,870 |
| Noncurrent loans to loans | 0.2914% | 2,199 |
| Net loans and leases to total assets | 37.0300% | 4,185 |
| Net loans and leases to deposits | 39.4903% | 4,251 |
| Net loans and leases to core deposits | 42.2043% | 4,217 |
| Total domestic deposits to total assets | 93.7700% | 402 |
| Equity capital to assets | 4.5079% | 4,395 |
| Core capital (leverage) ratio | 8.2853% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4832% | 923 |
| Memoranda: | ||
| Average total assets | $129,026,750 | 3,665 |
| Average earning assets | $119,523,500 | 3,654 |
| Average equity | $7,389,250 | 4,203 |
| Average total loans | $46,613,250 | 3,970 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2035% | 3,033 |
| Cost of funding earning assets | 0.1652% | 3,375 |
| Net interest margin | 3.0383% | 2,768 |
| Noninterest income to average assets | 0.3766% | 2,895 |
| Noninterest expense to average assets | 2.7159% | 1,349 |
| Loan and lease loss provision to assets | 0.0861% | 1,153 |
| Net operating income to assets | 0.3209% | 4,253 |
| Return on assets (ROA) | 0.3013% | 4,235 |
| Pretax return on assets | 0.3766% | 4,195 |
| Return on Equity (ROE) | 4.9228% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.7925% | 3,164 |
| Net charge-offs to loans | 0.0172% | 1,403 |
| Credit loss provision to net charge-offs | 1,400.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 939 |
| Efficiency ratio | 84.7889% | 637 |
| Assets per employee ($millions) | 4.8117% | 3,838 |
| Cash dividends to net income (ytd only)* | 22.9592% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,615 |
| Loan loss allowance to noncurrent loans | 440.5660% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,164 |
| Noncurrent loans to loans | 0.2258% | 2,590 |
| Net loans and leases to total assets | 35.7751% | 4,257 |
| Net loans and leases to deposits | 37.7511% | 4,343 |
| Net loans and leases to core deposits | 40.4153% | 4,308 |
| Total domestic deposits to total assets | 94.7659% | 168 |
| Equity capital to assets | 4.3882% | 4,575 |
| Core capital (leverage) ratio | 8.0483% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2126% | 964 |
| Memoranda: | ||
| Average total assets | $130,123,667 | 3,698 |
| Average earning assets | $121,055,333 | 3,686 |
| Average equity | $7,963,000 | 4,208 |
| Average total loans | $46,480,667 | 4,017 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0438% | 3,126 |
| Cost of funding earning assets | 0.1806% | 3,079 |
| Net interest margin | 2.8632% | 2,943 |
| Noninterest income to average assets | 0.3932% | 2,735 |
| Noninterest expense to average assets | 2.5678% | 1,701 |
| Loan and lease loss provision to assets | 0.1720% | 449 |
| Net operating income to assets | 0.2685% | 4,200 |
| Return on assets (ROA) | 0.2611% | 4,192 |
| Pretax return on assets | 0.3225% | 4,153 |
| Return on Equity (ROE) | 3.7387% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.0790% | 3,232 |
| Net charge-offs to loans | -0.0086% | 3,526 |
| Credit loss provision to net charge-offs | -5,600.0000% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6000% | 880 |
| Assets per employee ($millions) | 5.3243% | 3,466 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,652 |
| Loan loss allowance to noncurrent loans | 462.7451% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,305 |
| Noncurrent loans to loans | 0.2194% | 2,718 |
| Net loans and leases to total assets | 34.5772% | 4,284 |
| Net loans and leases to deposits | 37.0518% | 4,352 |
| Net loans and leases to core deposits | 40.1667% | 4,307 |
| Total domestic deposits to total assets | 93.3212% | 199 |
| Equity capital to assets | 5.7968% | 4,619 |
| Core capital (leverage) ratio | 8.0509% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9535% | 1,272 |
| Memoranda: | ||
| Average total assets | $130,227,000 | 3,714 |
| Average earning assets | $121,822,500 | 3,693 |
| Average equity | $9,094,000 | 4,147 |
| Average total loans | $46,248,500 | 4,035 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1585% | 3,566 |
| Cost of funding earning assets | 0.2573% | 2,841 |
| Net interest margin | 2.9012% | 3,437 |
| Noninterest income to average assets | 0.3839% | 3,141 |
| Noninterest expense to average assets | 2.9206% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1186% | 4,611 |
| Return on assets (ROA) | 0.3715% | 4,346 |
| Pretax return on assets | 0.4760% | 4,286 |
| Return on Equity (ROE) | 4.1217% | 4,194 |
| Retained earnings to average equity (ytd only) | 4.1217% | 3,178 |
| Net charge-offs to loans | 0.0901% | 916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 2,482 |
| Efficiency ratio | 94.9326% | 211 |
| Assets per employee ($millions) | 5.3061% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,059 |
| Loan loss allowance to noncurrent loans | 402.9126% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,375 |
| Noncurrent loans to loans | 0.2239% | 2,840 |
| Net loans and leases to total assets | 35.7962% | 4,298 |
| Net loans and leases to deposits | 39.3942% | 4,358 |
| Net loans and leases to core deposits | 43.3355% | 4,291 |
| Total domestic deposits to total assets | 90.8666% | 543 |
| Equity capital to assets | 8.2233% | 4,217 |
| Core capital (leverage) ratio | 8.3300% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4909% | 969 |
| Memoranda: | ||
| Average total assets | $120,592,000 | 3,792 |
| Average earning assets | $111,920,600 | 3,790 |
| Average equity | $10,869,200 | 4,052 |
| Average total loans | $44,410,800 | 4,100 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1813% | 3,635 |
| Cost of funding earning assets | 0.2729% | 2,864 |
| Net interest margin | 2.9084% | 3,533 |
| Noninterest income to average assets | 0.3925% | 3,135 |
| Noninterest expense to average assets | 2.9379% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1053% | 4,695 |
| Return on assets (ROA) | 0.4508% | 4,331 |
| Pretax return on assets | 0.5808% | 4,260 |
| Return on Equity (ROE) | 4.8866% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.8866% | 3,261 |
| Net charge-offs to loans | 0.1030% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.7647% | 2,294 |
| Efficiency ratio | 95.3421% | 204 |
| Assets per employee ($millions) | 5.0403% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 4,052 |
| Loan loss allowance to noncurrent loans | 416.8317% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,567 |
| Noncurrent loans to loans | 0.2243% | 3,050 |
| Net loans and leases to total assets | 35.4068% | 4,416 |
| Net loans and leases to deposits | 39.1641% | 4,481 |
| Net loans and leases to core deposits | 42.9598% | 4,414 |
| Total domestic deposits to total assets | 90.4061% | 601 |
| Equity capital to assets | 8.6432% | 4,108 |
| Core capital (leverage) ratio | 8.4646% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,903,500 | 3,855 |
| Average earning assets | $109,932,000 | 3,860 |
| Average equity | $10,968,500 | 4,093 |
| Average total loans | $44,013,500 | 4,163 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 3,654 |
| Cost of funding earning assets | 0.2873% | 2,897 |
| Net interest margin | 2.9253% | 3,514 |
| Noninterest income to average assets | 0.3982% | 3,115 |
| Noninterest expense to average assets | 3.0892% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0015% | 4,772 |
| Return on assets (ROA) | 0.5303% | 4,208 |
| Pretax return on assets | 0.6865% | 4,093 |
| Return on Equity (ROE) | 5.6211% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.6211% | 2,955 |
| Net charge-offs to loans | 0.0733% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 2,185 |
| Efficiency ratio | 99.4475% | 172 |
| Assets per employee ($millions) | 4.8819% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,830 |
| Loan loss allowance to noncurrent loans | 302.7586% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 3,468 |
| Noncurrent loans to loans | 0.3294% | 2,730 |
| Net loans and leases to total assets | 34.3323% | 4,529 |
| Net loans and leases to deposits | 37.9157% | 4,583 |
| Net loans and leases to core deposits | 41.4523% | 4,538 |
| Total domestic deposits to total assets | 90.5491% | 538 |
| Equity capital to assets | 8.5134% | 4,193 |
| Core capital (leverage) ratio | 8.3732% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,535,667 | 3,900 |
| Average earning assets | $107,885,000 | 3,897 |
| Average equity | $10,994,333 | 4,099 |
| Average total loans | $43,672,667 | 4,202 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3893% | 3,224 |
| Cost of funding earning assets | 0.3109% | 2,878 |
| Net interest margin | 3.0784% | 3,061 |
| Noninterest income to average assets | 0.3988% | 3,091 |
| Noninterest expense to average assets | 3.0538% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1653% | 4,665 |
| Return on assets (ROA) | 0.1653% | 4,684 |
| Pretax return on assets | 0.1904% | 4,677 |
| Return on Equity (ROE) | 1.6594% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.6594% | 4,081 |
| Net charge-offs to loans | 0.0552% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 1,557 |
| Efficiency ratio | 94.1307% | 282 |
| Assets per employee ($millions) | 4.5557% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,799 |
| Loan loss allowance to noncurrent loans | 255.1136% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 3,426 |
| Noncurrent loans to loans | 0.3962% | 2,683 |
| Net loans and leases to total assets | 37.1218% | 4,451 |
| Net loans and leases to deposits | 41.3368% | 4,523 |
| Net loans and leases to core deposits | 45.5289% | 4,453 |
| Total domestic deposits to total assets | 89.8031% | 914 |
| Equity capital to assets | 9.2201% | 3,478 |
| Core capital (leverage) ratio | 8.8966% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,338,500 | 3,962 |
| Average earning assets | $102,911,500 | 3,948 |
| Average equity | $11,088,500 | 4,098 |
| Average total loans | $43,500,500 | 4,222 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 3,097 |
| Cost of funding earning assets | 0.4670% | 3,173 |
| Net interest margin | 3.4090% | 2,750 |
| Noninterest income to average assets | 0.4304% | 2,958 |
| Noninterest expense to average assets | 3.4845% | 704 |
| Loan and lease loss provision to assets | 0.0333% | 3,983 |
| Net operating income to assets | 0.0299% | 4,711 |
| Return on assets (ROA) | 0.1189% | 4,692 |
| Pretax return on assets | 0.1280% | 4,690 |
| Return on Equity (ROE) | 1.0906% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.4621% | 4,376 |
| Net charge-offs to loans | -0.0130% | 4,321 |
| Credit loss provision to net charge-offs | -660.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1545% | 199 |
| Assets per employee ($millions) | 3.7225% | 4,553 |
| Cash dividends to net income (ytd only)* | 57.6271% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,607 |
| Loan loss allowance to noncurrent loans | 220.8738% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,226 |
| Noncurrent loans to loans | 0.4838% | 2,520 |
| Net loans and leases to total assets | 40.4177% | 4,425 |
| Net loans and leases to deposits | 45.8920% | 4,468 |
| Net loans and leases to core deposits | 50.1416% | 4,417 |
| Total domestic deposits to total assets | 88.0715% | 1,439 |
| Equity capital to assets | 10.7993% | 2,432 |
| Core capital (leverage) ratio | 9.7878% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,210,200 | 4,010 |
| Average earning assets | $90,789,600 | 4,016 |
| Average equity | $10,819,400 | 4,104 |
| Average total loans | $38,351,200 | 4,343 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,155 |
| Cost of funding earning assets | 0.5001% | 3,227 |
| Net interest margin | 3.4338% | 2,801 |
| Noninterest income to average assets | 0.4219% | 2,976 |
| Noninterest expense to average assets | 3.4300% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1105% | 4,690 |
| Return on assets (ROA) | 0.2259% | 4,594 |
| Pretax return on assets | 0.2695% | 4,582 |
| Return on Equity (ROE) | 2.0665% | 4,543 |
| Retained earnings to average equity (ytd only) | 1.2200% | 4,173 |
| Net charge-offs to loans | 0.1287% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.6944% | 2,969 |
| Efficiency ratio | 96.2935% | 220 |
| Assets per employee ($millions) | 3.4969% | 4,664 |
| Cash dividends to net income (ytd only)* | 40.9639% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 3,905 |
| Loan loss allowance to noncurrent loans | 111.4035% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 2,684 |
| Noncurrent loans to loans | 0.8490% | 1,736 |
| Net loans and leases to total assets | 40.7515% | 4,537 |
| Net loans and leases to deposits | 46.7219% | 4,582 |
| Net loans and leases to core deposits | 50.7711% | 4,557 |
| Total domestic deposits to total assets | 87.2213% | 1,567 |
| Equity capital to assets | 11.5541% | 1,963 |
| Core capital (leverage) ratio | 9.8542% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,955,500 | 4,017 |
| Average earning assets | $89,579,000 | 4,029 |
| Average equity | $10,710,250 | 4,122 |
| Average total loans | $37,293,500 | 4,392 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,635 |
| Cost of funding earning assets | 0.5354% | 3,316 |
| Net interest margin | 3.3595% | 3,226 |
| Noninterest income to average assets | 0.4410% | 2,855 |
| Noninterest expense to average assets | 3.3357% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1461% | 4,636 |
| Return on assets (ROA) | 0.3164% | 4,438 |
| Pretax return on assets | 0.3899% | 4,428 |
| Return on Equity (ROE) | 2.9498% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.6557% | 3,887 |
| Net charge-offs to loans | -0.0055% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8897% | 271 |
| Assets per employee ($millions) | 3.4553% | 4,688 |
| Cash dividends to net income (ytd only)* | 43.8710% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,818 |
| Loan loss allowance to noncurrent loans | 94.5701% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,548 |
| Noncurrent loans to loans | 1.2077% | 1,301 |
| Net loans and leases to total assets | 34.9045% | 4,755 |
| Net loans and leases to deposits | 39.5756% | 4,802 |
| Net loans and leases to core deposits | 42.7506% | 4,781 |
| Total domestic deposits to total assets | 88.1970% | 1,086 |
| Equity capital to assets | 10.6608% | 2,611 |
| Core capital (leverage) ratio | 9.7736% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,969,667 | 4,020 |
| Average earning assets | $89,656,667 | 4,028 |
| Average equity | $10,509,333 | 4,166 |
| Average total loans | $36,297,333 | 4,424 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 3,466 |
| Cost of funding earning assets | 0.5978% | 3,446 |
| Net interest margin | 3.5222% | 2,902 |
| Noninterest income to average assets | 0.6223% | 1,940 |
| Noninterest expense to average assets | 3.2505% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4444% | 4,037 |
| Return on assets (ROA) | 0.8032% | 2,987 |
| Pretax return on assets | 1.0470% | 2,675 |
| Return on Equity (ROE) | 7.4620% | 2,756 |
| Retained earnings to average equity (ytd only) | 4.8054% | 2,365 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5733% | 795 |
| Assets per employee ($millions) | 3.6704% | 4,310 |
| Cash dividends to net income (ytd only)* | 35.6021% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,894 |
| Loan loss allowance to noncurrent loans | 101.2136% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 2,738 |
| Noncurrent loans to loans | 1.1441% | 1,453 |
| Net loans and leases to total assets | 35.9173% | 4,779 |
| Net loans and leases to deposits | 40.5583% | 4,828 |
| Net loans and leases to core deposits | 43.1239% | 4,822 |
| Total domestic deposits to total assets | 88.5570% | 856 |
| Equity capital to assets | 10.2361% | 3,571 |
| Core capital (leverage) ratio | 10.2776% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,124,500 | 4,056 |
| Average earning assets | $86,991,000 | 4,066 |
| Average equity | $10,238,500 | 4,210 |
| Average total loans | $36,146,000 | 4,447 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 3,381 |
| Cost of funding earning assets | 0.6356% | 3,483 |
| Net interest margin | 3.7174% | 2,763 |
| Noninterest income to average assets | 0.4549% | 2,982 |
| Noninterest expense to average assets | 3.3641% | 1,175 |
| Loan and lease loss provision to assets | 0.0938% | 2,159 |
| Net operating income to assets | 0.3138% | 4,732 |
| Return on assets (ROA) | 0.3025% | 4,776 |
| Pretax return on assets | 0.3544% | 4,763 |
| Return on Equity (ROE) | 2.7561% | 4,700 |
| Retained earnings to average equity (ytd only) | 1.9011% | 4,043 |
| Net charge-offs to loans | 0.0145% | 3,187 |
| Credit loss provision to net charge-offs | 1,700.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 83.6000% | 768 |
| Efficiency ratio | 87.8211% | 451 |
| Assets per employee ($millions) | 3.6460% | 4,330 |
| Cash dividends to net income (ytd only)* | 31.0219% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,704 |
| Loan loss allowance to noncurrent loans | 98.5816% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,486 |
| Noncurrent loans to loans | 1.1659% | 1,302 |
| Net loans and leases to total assets | 39.3466% | 4,756 |
| Net loans and leases to deposits | 44.9801% | 4,806 |
| Net loans and leases to core deposits | 48.1254% | 4,788 |
| Total domestic deposits to total assets | 87.4755% | 1,376 |
| Equity capital to assets | 11.3364% | 2,670 |
| Core capital (leverage) ratio | 11.0558% | 2,454 |
| Tier 1 risk-based capital ratio | 18.1706% | 1,724 |
| Total risk-based capital ratio | 18.9404% | 1,793 |
| Memoranda: | ||
| Average total assets | $90,573,200 | 4,141 |
| Average earning assets | $82,126,400 | 4,153 |
| Average equity | $9,941,600 | 4,251 |
| Average total loans | $34,540,200 | 4,546 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 3,543 |
| Cost of funding earning assets | 0.6456% | 3,474 |
| Net interest margin | 3.6959% | 2,937 |
| Noninterest income to average assets | 0.4600% | 2,960 |
| Noninterest expense to average assets | 3.2909% | 1,291 |
| Loan and lease loss provision to assets | 0.1017% | 1,888 |
| Net operating income to assets | 0.3476% | 4,791 |
| Return on assets (ROA) | 0.3288% | 4,833 |
| Pretax return on assets | 0.3878% | 4,820 |
| Return on Equity (ROE) | 3.0205% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.4380% | 4,127 |
| Net charge-offs to loans | 0.0039% | 3,270 |
| Credit loss provision to net charge-offs | 6,900.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 347.8647% | 281 |
| Efficiency ratio | 86.3901% | 480 |
| Assets per employee ($millions) | 3.4780% | 4,518 |
| Cash dividends to net income (ytd only)* | 19.2816% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 2,906 |
| Loan loss allowance to noncurrent loans | 72.4508% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 2,035 |
| Noncurrent loans to loans | 1.5520% | 958 |
| Net loans and leases to total assets | 40.9585% | 4,782 |
| Net loans and leases to deposits | 47.2321% | 4,837 |
| Net loans and leases to core deposits | 50.0534% | 4,834 |
| Total domestic deposits to total assets | 86.7175% | 1,670 |
| Equity capital to assets | 12.0243% | 2,244 |
| Core capital (leverage) ratio | 11.1878% | 2,481 |
| Tier 1 risk-based capital ratio | 19.2037% | 1,521 |
| Total risk-based capital ratio | 19.9945% | 1,591 |
| Memoranda: | ||
| Average total assets | $90,429,250 | 4,194 |
| Average earning assets | $81,783,250 | 4,208 |
| Average equity | $9,843,750 | 4,305 |
| Average total loans | $34,105,000 | 4,617 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 3,562 |
| Cost of funding earning assets | 0.6568% | 3,372 |
| Net interest margin | 3.6681% | 3,037 |
| Noninterest income to average assets | 0.4586% | 2,918 |
| Noninterest expense to average assets | 3.3148% | 1,258 |
| Loan and lease loss provision to assets | 0.0611% | 2,600 |
| Net operating income to assets | 0.3369% | 4,823 |
| Return on assets (ROA) | 0.3516% | 4,817 |
| Pretax return on assets | 0.4171% | 4,810 |
| Return on Equity (ROE) | 3.3402% | 4,717 |
| Retained earnings to average equity (ytd only) | 2.4481% | 3,962 |
| Net charge-offs to loans | -0.0239% | 4,609 |
| Credit loss provision to net charge-offs | -700.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6229% | 457 |
| Assets per employee ($millions) | 3.5698% | 4,415 |
| Cash dividends to net income (ytd only)* | 26.7081% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,213 |
| Loan loss allowance to noncurrent loans | 59.8055% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,932 |
| Noncurrent loans to loans | 1.7978% | 838 |
| Net loans and leases to total assets | 38.0409% | 4,915 |
| Net loans and leases to deposits | 43.4927% | 4,962 |
| Net loans and leases to core deposits | 45.9952% | 4,961 |
| Total domestic deposits to total assets | 87.4650% | 1,357 |
| Equity capital to assets | 11.3148% | 2,772 |
| Core capital (leverage) ratio | 10.7030% | 2,889 |
| Tier 1 risk-based capital ratio | 19.0223% | 1,552 |
| Total risk-based capital ratio | 19.7407% | 1,636 |
| Memoranda: | ||
| Average total assets | $91,589,330 | 4,193 |
| Average earning assets | $82,822,000 | 4,225 |
| Average equity | $9,640,000 | 4,350 |
| Average total loans | $33,467,330 | 4,664 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 3,646 |
| Cost of funding earning assets | 0.6401% | 3,357 |
| Net interest margin | 3.6305% | 3,133 |
| Noninterest income to average assets | 0.4657% | 2,768 |
| Noninterest expense to average assets | 3.0185% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5778% | 4,308 |
| Return on assets (ROA) | 0.5778% | 4,343 |
| Pretax return on assets | 0.7244% | 4,242 |
| Return on Equity (ROE) | 5.6955% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.8678% | 3,371 |
| Net charge-offs to loans | -0.0363% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5300% | 1,007 |
| Assets per employee ($millions) | 3.7450% | 4,282 |
| Cash dividends to net income (ytd only)* | 32.0896% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,571 |
| Loan loss allowance to noncurrent loans | 75.7238% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 2,629 |
| Noncurrent loans to loans | 1.3504% | 1,201 |
| Net loans and leases to total assets | 35.1512% | 5,043 |
| Net loans and leases to deposits | 39.8079% | 5,079 |
| Net loans and leases to core deposits | 41.7258% | 5,084 |
| Total domestic deposits to total assets | 88.3021% | 1,187 |
| Equity capital to assets | 10.5144% | 3,330 |
| Core capital (leverage) ratio | 10.5677% | 2,976 |
| Tier 1 risk-based capital ratio | 18.9239% | 1,559 |
| Total risk-based capital ratio | 19.5843% | 1,654 |
| Memoranda: | ||
| Average total assets | $92,761,000 | 4,219 |
| Average earning assets | $83,735,500 | 4,254 |
| Average equity | $9,411,000 | 4,414 |
| Average total loans | $33,041,500 | 4,728 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 2,956 |
| Cost of funding earning assets | 0.4063% | 3,950 |
| Net interest margin | 3.9353% | 2,206 |
| Noninterest income to average assets | 0.4575% | 3,065 |
| Noninterest expense to average assets | 3.2718% | 1,390 |
| Loan and lease loss provision to assets | 0.0735% | 2,665 |
| Net operating income to assets | 0.5269% | 4,603 |
| Return on assets (ROA) | 0.5234% | 4,604 |
| Pretax return on assets | 0.6462% | 4,541 |
| Return on Equity (ROE) | 5.3308% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.8838% | 2,836 |
| Net charge-offs to loans | 0.0562% | 2,339 |
| Credit loss provision to net charge-offs | 352.6316% | 905 |
| Earnings coverage of net charge-offs (x) | 34.7368% | 1,458 |
| Efficiency ratio | 81.7408% | 823 |
| Assets per employee ($millions) | 3.8339% | 4,129 |
| Cash dividends to net income (ytd only)* | 8.3857% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,513 |
| Loan loss allowance to noncurrent loans | 94.3978% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 2,938 |
| Noncurrent loans to loans | 1.0873% | 1,502 |
| Net loans and leases to total assets | 35.3167% | 5,087 |
| Net loans and leases to deposits | 39.7009% | 5,128 |
| Net loans and leases to core deposits | 41.6306% | 5,134 |
| Total domestic deposits to total assets | 88.9570% | 880 |
| Equity capital to assets | 9.8823% | 3,778 |
| Core capital (leverage) ratio | 10.7273% | 2,813 |
| Tier 1 risk-based capital ratio | 19.0972% | 1,504 |
| Total risk-based capital ratio | 19.7641% | 1,568 |
| Memoranda: | ||
| Average total assets | $91,142,800 | 4,250 |
| Average earning assets | $81,949,600 | 4,287 |
| Average equity | $8,948,000 | 4,468 |
| Average total loans | $33,794,200 | 4,724 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,780 |
| Cost of funding earning assets | 0.3567% | 4,138 |
| Net interest margin | 3.9971% | 1,969 |
| Noninterest income to average assets | 0.4824% | 2,967 |
| Noninterest expense to average assets | 3.1659% | 1,609 |
| Loan and lease loss provision to assets | 0.0982% | 2,026 |
| Net operating income to assets | 0.6546% | 4,353 |
| Return on assets (ROA) | 0.6511% | 4,380 |
| Pretax return on assets | 0.8124% | 4,261 |
| Return on Equity (ROE) | 6.6428% | 4,060 |
| Retained earnings to average equity (ytd only) | 6.0443% | 2,636 |
| Net charge-offs to loans | 0.0314% | 2,464 |
| Credit loss provision to net charge-offs | 837.5000% | 468 |
| Earnings coverage of net charge-offs (x) | 77.9738% | 892 |
| Efficiency ratio | 77.4344% | 1,178 |
| Assets per employee ($millions) | 3.7377% | 4,254 |
| Cash dividends to net income (ytd only)* | 9.0086% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,526 |
| Loan loss allowance to noncurrent loans | 165.7143% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 3,572 |
| Noncurrent loans to loans | 0.6280% | 2,515 |
| Net loans and leases to total assets | 36.8876% | 5,112 |
| Net loans and leases to deposits | 41.4755% | 5,169 |
| Net loans and leases to core deposits | 43.5435% | 5,173 |
| Total domestic deposits to total assets | 88.9382% | 867 |
| Equity capital to assets | 9.7865% | 3,835 |
| Core capital (leverage) ratio | 10.7635% | 2,828 |
| Tier 1 risk-based capital ratio | 21.6445% | 1,100 |
| Total risk-based capital ratio | 22.4278% | 1,142 |
| Memoranda: | ||
| Average total assets | $90,925,250 | 4,298 |
| Average earning assets | $81,858,000 | 4,332 |
| Average equity | $8,911,750 | 4,512 |
| Average total loans | $34,034,500 | 4,766 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,573 |
| Cost of funding earning assets | 0.3202% | 4,269 |
| Net interest margin | 4.0336% | 1,750 |
| Noninterest income to average assets | 0.4774% | 2,992 |
| Noninterest expense to average assets | 3.1927% | 1,547 |
| Loan and lease loss provision to assets | 0.1248% | 1,584 |
| Net operating income to assets | 0.6350% | 4,397 |
| Return on assets (ROA) | 0.6679% | 4,299 |
| Pretax return on assets | 0.8431% | 4,130 |
| Return on Equity (ROE) | 6.8111% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.8111% | 2,162 |
| Net charge-offs to loans | 0.0292% | 2,275 |
| Credit loss provision to net charge-offs | 1,140.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 84.6000% | 797 |
| Efficiency ratio | 77.3525% | 1,267 |
| Assets per employee ($millions) | 3.7118% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,798 |
| Loan loss allowance to noncurrent loans | 157.8704% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,698 |
| Noncurrent loans to loans | 0.6372% | 2,520 |
| Net loans and leases to total assets | 37.6667% | 5,138 |
| Net loans and leases to deposits | 42.4006% | 5,179 |
| Net loans and leases to core deposits | 45.0233% | 5,174 |
| Total domestic deposits to total assets | 88.8353% | 1,002 |
| Equity capital to assets | 9.9502% | 3,676 |
| Core capital (leverage) ratio | 10.3226% | 3,217 |
| Tier 1 risk-based capital ratio | 19.2805% | 1,478 |
| Total risk-based capital ratio | 19.9732% | 1,581 |
| Memoranda: | ||
| Average total assets | $91,332,000 | 4,333 |
| Average earning assets | $82,458,330 | 4,356 |
| Average equity | $8,956,000 | 4,540 |
| Average total loans | $34,233,330 | 4,805 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,425 |
| Cost of funding earning assets | 0.3160% | 4,227 |
| Net interest margin | 4.0124% | 1,691 |
| Noninterest income to average assets | 0.4846% | 2,902 |
| Noninterest expense to average assets | 3.0761% | 1,885 |
| Loan and lease loss provision to assets | 0.0389% | 2,971 |
| Net operating income to assets | 0.7787% | 3,797 |
| Return on assets (ROA) | 0.7787% | 3,797 |
| Pretax return on assets | 0.9951% | 3,550 |
| Return on Equity (ROE) | 7.9982% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.9982% | 1,836 |
| Net charge-offs to loans | -0.0116% | 4,314 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7368% | 1,790 |
| Assets per employee ($millions) | 3.9097% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,563 |
| Loan loss allowance to noncurrent loans | 83.2869% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 3,145 |
| Noncurrent loans to loans | 1.0462% | 1,749 |
| Net loans and leases to total assets | 36.2527% | 5,201 |
| Net loans and leases to deposits | 40.5911% | 5,252 |
| Net loans and leases to core deposits | 42.7898% | 5,245 |
| Total domestic deposits to total assets | 89.3119% | 956 |
| Equity capital to assets | 9.4658% | 4,122 |
| Core capital (leverage) ratio | 10.0477% | 3,475 |
| Tier 1 risk-based capital ratio | 17.4962% | 1,974 |
| Total risk-based capital ratio | 18.0559% | 2,127 |
| Memoranda: | ||
| Average total assets | $92,456,000 | 4,361 |
| Average earning assets | $83,541,500 | 4,381 |
| Average equity | $9,002,000 | 4,584 |
| Average total loans | $34,402,000 | 4,850 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 2,636 |
| Cost of funding earning assets | 0.3148% | 4,001 |
| Net interest margin | 3.8985% | 2,092 |
| Noninterest income to average assets | 0.5271% | 2,834 |
| Noninterest expense to average assets | 3.3151% | 1,348 |
| Loan and lease loss provision to assets | 0.0162% | 3,969 |
| Net operating income to assets | 0.2981% | 4,930 |
| Return on assets (ROA) | 0.2981% | 4,945 |
| Pretax return on assets | 0.7140% | 4,476 |
| Return on Equity (ROE) | 2.9971% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.6171% | 3,753 |
| Net charge-offs to loans | 0.2366% | 1,097 |
| Credit loss provision to net charge-offs | 18.0723% | 3,624 |
| Earnings coverage of net charge-offs (x) | 8.1446% | 2,952 |
| Efficiency ratio | 81.9493% | 932 |
| Assets per employee ($millions) | 3.6432% | 4,513 |
| Cash dividends to net income (ytd only)* | 12.6812% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 4,705 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 3,075 |
| Noncurrent loans to loans | 1.0844% | 1,636 |
| Net loans and leases to total assets | 37.5487% | 5,243 |
| Net loans and leases to deposits | 42.2920% | 5,286 |
| Net loans and leases to core deposits | 44.6935% | 5,277 |
| Total domestic deposits to total assets | 88.7845% | 1,097 |
| Equity capital to assets | 10.0155% | 3,690 |
| Core capital (leverage) ratio | 9.9908% | 3,470 |
| Tier 1 risk-based capital ratio | 18.5254% | 1,645 |
| Total risk-based capital ratio | 19.1068% | 1,792 |
| Memoranda: | ||
| Average total assets | $92,576,400 | 4,380 |
| Average earning assets | $83,546,000 | 4,409 |
| Average equity | $9,208,800 | 4,579 |
| Average total loans | $35,082,200 | 4,868 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 2,674 |
| Cost of funding earning assets | 0.3115% | 4,010 |
| Net interest margin | 3.8709% | 2,139 |
| Noninterest income to average assets | 0.5293% | 2,842 |
| Noninterest expense to average assets | 3.2303% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5494% | 4,577 |
| Return on assets (ROA) | 0.5494% | 4,610 |
| Pretax return on assets | 0.7932% | 4,368 |
| Return on Equity (ROE) | 5.5322% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.3155% | 2,669 |
| Net charge-offs to loans | 0.0871% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 24.0401% | 1,785 |
| Efficiency ratio | 80.2852% | 1,067 |
| Assets per employee ($millions) | 3.6540% | 4,508 |
| Cash dividends to net income (ytd only)* | 3.9166% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 4,311 |
| Loan loss allowance to noncurrent loans | 278.3333% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,429 |
| Noncurrent loans to loans | 0.3422% | 3,717 |
| Net loans and leases to total assets | 38.0248% | 5,265 |
| Net loans and leases to deposits | 43.0098% | 5,337 |
| Net loans and leases to core deposits | 45.4654% | 5,328 |
| Total domestic deposits to total assets | 88.4095% | 1,166 |
| Equity capital to assets | 10.3994% | 3,479 |
| Core capital (leverage) ratio | 9.9496% | 3,630 |
| Tier 1 risk-based capital ratio | 17.8714% | 1,887 |
| Total risk-based capital ratio | 18.5146% | 2,028 |
| Memoranda: | ||
| Average total assets | $92,950,750 | 4,410 |
| Average earning assets | $83,905,500 | 4,443 |
| Average equity | $9,230,500 | 4,629 |
| Average total loans | $35,230,750 | 4,911 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 2,823 |
| Cost of funding earning assets | 0.3104% | 3,969 |
| Net interest margin | 3.7916% | 2,315 |
| Noninterest income to average assets | 0.5327% | 2,813 |
| Noninterest expense to average assets | 3.1941% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5314% | 4,607 |
| Return on assets (ROA) | 0.5135% | 4,706 |
| Pretax return on assets | 0.7360% | 4,467 |
| Return on Equity (ROE) | 5.2513% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.9231% | 2,762 |
| Net charge-offs to loans | 0.0057% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 239 |
| Efficiency ratio | 80.7463% | 1,131 |
| Assets per employee ($millions) | 3.8241% | 4,245 |
| Cash dividends to net income (ytd only)* | 6.2500% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 4,033 |
| Loan loss allowance to noncurrent loans | 231.1688% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,387 |
| Noncurrent loans to loans | 0.4409% | 3,431 |
| Net loans and leases to total assets | 36.1589% | 5,376 |
| Net loans and leases to deposits | 40.6465% | 5,433 |
| Net loans and leases to core deposits | 42.9701% | 5,422 |
| Total domestic deposits to total assets | 88.9596% | 974 |
| Equity capital to assets | 9.9202% | 4,002 |
| Core capital (leverage) ratio | 9.6980% | 3,898 |
| Tier 1 risk-based capital ratio | 17.3750% | 2,046 |
| Total risk-based capital ratio | 18.0520% | 2,163 |
| Memoranda: | ||
| Average total assets | $93,484,000 | 4,429 |
| Average earning assets | $84,396,670 | 4,455 |
| Average equity | $9,140,670 | 4,660 |
| Average total loans | $35,284,330 | 4,945 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,505 |
| Cost of funding earning assets | 0.3097% | 3,944 |
| Net interest margin | 3.8322% | 2,008 |
| Noninterest income to average assets | 0.5150% | 2,873 |
| Noninterest expense to average assets | 3.1723% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5540% | 4,359 |
| Return on assets (ROA) | 0.4761% | 4,709 |
| Pretax return on assets | 0.6622% | 4,557 |
| Return on Equity (ROE) | 4.9058% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.2368% | 3,326 |
| Net charge-offs to loans | 0.0226% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 597 |
| Efficiency ratio | 80.4610% | 1,324 |
| Assets per employee ($millions) | 3.7908% | 4,359 |
| Cash dividends to net income (ytd only)* | 13.6364% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,141 |
| Loan loss allowance to noncurrent loans | 373.6842% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 4,717 |
| Noncurrent loans to loans | 0.2739% | 4,125 |
| Net loans and leases to total assets | 36.2221% | 5,391 |
| Net loans and leases to deposits | 40.6061% | 5,453 |
| Net loans and leases to core deposits | 42.9401% | 5,443 |
| Total domestic deposits to total assets | 89.2034% | 1,049 |
| Equity capital to assets | 9.6232% | 4,162 |
| Core capital (leverage) ratio | 9.8350% | 3,712 |
| Tier 1 risk-based capital ratio | 17.5587% | 2,020 |
| Total risk-based capital ratio | 18.2496% | 2,135 |
| Memoranda: | ||
| Average total assets | $92,424,500 | 4,494 |
| Average earning assets | $82,667,000 | 4,532 |
| Average equity | $8,969,000 | 4,723 |
| Average total loans | $35,464,000 | 4,986 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 2,305 |
| Cost of funding earning assets | 0.3190% | 3,855 |
| Net interest margin | 3.9331% | 1,842 |
| Noninterest income to average assets | 0.5003% | 3,234 |
| Noninterest expense to average assets | 3.4127% | 1,326 |
| Loan and lease loss provision to assets | 0.0121% | 4,134 |
| Net operating income to assets | 0.4220% | 4,871 |
| Return on assets (ROA) | 0.4893% | 4,750 |
| Pretax return on assets | 0.6980% | 4,491 |
| Return on Equity (ROE) | 4.8513% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.5228% | 2,686 |
| Net charge-offs to loans | -0.0083% | 4,895 |
| Credit loss provision to net charge-offs | -366.6667% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7504% | 937 |
| Assets per employee ($millions) | 3.4645% | 4,813 |
| Cash dividends to net income (ytd only)* | 6.7720% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,413 |
| Loan loss allowance to noncurrent loans | 870.7317% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,956 |
| Noncurrent loans to loans | 0.1131% | 4,778 |
| Net loans and leases to total assets | 39.8410% | 5,323 |
| Net loans and leases to deposits | 44.7800% | 5,408 |
| Net loans and leases to core deposits | 47.5092% | 5,388 |
| Total domestic deposits to total assets | 88.9707% | 1,138 |
| Equity capital to assets | 9.7893% | 3,951 |
| Core capital (leverage) ratio | 10.1361% | 3,323 |
| Tier 1 risk-based capital ratio | 17.7899% | 1,907 |
| Total risk-based capital ratio | 18.4979% | 2,033 |
| Memoranda: | ||
| Average total assets | $90,544,400 | 4,533 |
| Average earning assets | $81,182,600 | 4,564 |
| Average equity | $9,131,600 | 4,732 |
| Average total loans | $36,293,400 | 5,010 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,397 |
| Cost of funding earning assets | 0.3170% | 3,905 |
| Net interest margin | 3.9170% | 1,919 |
| Noninterest income to average assets | 0.4971% | 3,269 |
| Noninterest expense to average assets | 3.3178% | 1,524 |
| Loan and lease loss provision to assets | 0.0162% | 3,921 |
| Net operating income to assets | 0.4750% | 4,783 |
| Return on assets (ROA) | 0.5633% | 4,546 |
| Pretax return on assets | 0.8162% | 4,259 |
| Return on Equity (ROE) | 5.5445% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.1102% | 2,751 |
| Net charge-offs to loans | -0.0331% | 5,200 |
| Credit loss provision to net charge-offs | -122.2222% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4863% | 1,133 |
| Assets per employee ($millions) | 3.6368% | 4,588 |
| Cash dividends to net income (ytd only)* | 7.8332% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 4,388 |
| Loan loss allowance to noncurrent loans | 264.9635% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 4,753 |
| Noncurrent loans to loans | 0.3785% | 3,907 |
| Net loans and leases to total assets | 41.0538% | 5,330 |
| Net loans and leases to deposits | 46.7690% | 5,422 |
| Net loans and leases to core deposits | 49.5609% | 5,401 |
| Total domestic deposits to total assets | 87.7800% | 1,513 |
| Equity capital to assets | 10.9540% | 3,062 |
| Core capital (leverage) ratio | 10.0088% | 3,557 |
| Tier 1 risk-based capital ratio | 17.9514% | 1,938 |
| Total risk-based capital ratio | 18.6828% | 2,060 |
| Memoranda: | ||
| Average total assets | $90,661,000 | 4,568 |
| Average earning assets | $81,591,250 | 4,590 |
| Average equity | $9,210,000 | 4,761 |
| Average total loans | $36,305,500 | 5,053 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,563 |
| Cost of funding earning assets | 0.3129% | 3,989 |
| Net interest margin | 3.8707% | 2,081 |
| Noninterest income to average assets | 0.4663% | 3,425 |
| Noninterest expense to average assets | 3.2183% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4895% | 4,720 |
| Return on assets (ROA) | 0.6036% | 4,381 |
| Pretax return on assets | 0.8934% | 3,975 |
| Return on Equity (ROE) | 6.0926% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.4328% | 2,462 |
| Net charge-offs to loans | -0.0275% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6022% | 1,317 |
| Assets per employee ($millions) | 3.8123% | 4,244 |
| Cash dividends to net income (ytd only)* | 10.8303% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,742 |
| Loan loss allowance to noncurrent loans | 230.4636% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,779 |
| Noncurrent loans to loans | 0.4139% | 3,872 |
| Net loans and leases to total assets | 39.4946% | 5,445 |
| Net loans and leases to deposits | 44.6057% | 5,540 |
| Net loans and leases to core deposits | 47.0797% | 5,528 |
| Total domestic deposits to total assets | 88.5416% | 1,146 |
| Equity capital to assets | 10.2256% | 3,942 |
| Core capital (leverage) ratio | 9.4252% | 4,301 |
| Tier 1 risk-based capital ratio | 17.2785% | 2,134 |
| Total risk-based capital ratio | 17.9616% | 2,300 |
| Memoranda: | ||
| Average total assets | $91,787,000 | 4,587 |
| Average earning assets | $82,466,330 | 4,613 |
| Average equity | $9,093,000 | 4,825 |
| Average total loans | $36,342,000 | 5,094 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,320 |
| Cost of funding earning assets | 0.3133% | 4,023 |
| Net interest margin | 3.9312% | 1,841 |
| Noninterest income to average assets | 0.4569% | 3,436 |
| Noninterest expense to average assets | 3.2850% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4541% | 4,814 |
| Return on assets (ROA) | 0.6701% | 3,995 |
| Pretax return on assets | 0.9833% | 3,542 |
| Return on Equity (ROE) | 6.8738% | 3,529 |
| Retained earnings to average equity (ytd only) | 5.5348% | 2,620 |
| Net charge-offs to loans | -0.0441% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1498% | 1,242 |
| Assets per employee ($millions) | 3.7175% | 4,437 |
| Cash dividends to net income (ytd only)* | 19.4805% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,889 |
| Loan loss allowance to noncurrent loans | 232.8859% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 4,873 |
| Noncurrent loans to loans | 0.4047% | 3,987 |
| Net loans and leases to total assets | 39.2401% | 5,499 |
| Net loans and leases to deposits | 44.0974% | 5,588 |
| Net loans and leases to core deposits | 45.9030% | 5,594 |
| Total domestic deposits to total assets | 88.9851% | 1,110 |
| Equity capital to assets | 9.8119% | 4,325 |
| Core capital (leverage) ratio | 9.4310% | 4,308 |
| Tier 1 risk-based capital ratio | 17.3337% | 2,176 |
| Total risk-based capital ratio | 18.0268% | 2,313 |
| Memoranda: | ||
| Average total assets | $91,932,500 | 4,618 |
| Average earning assets | $81,706,000 | 4,664 |
| Average equity | $8,961,500 | 4,868 |
| Average total loans | $36,271,000 | 5,135 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,436 |
| Cost of funding earning assets | 0.3260% | 3,957 |
| Net interest margin | 3.9095% | 1,992 |
| Noninterest income to average assets | 0.4862% | 3,426 |
| Noninterest expense to average assets | 3.2838% | 1,752 |
| Loan and lease loss provision to assets | 0.0211% | 3,963 |
| Net operating income to assets | 0.4702% | 4,812 |
| Return on assets (ROA) | 0.4973% | 4,796 |
| Pretax return on assets | 0.7083% | 4,514 |
| Return on Equity (ROE) | 5.1289% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.7168% | 2,633 |
| Net charge-offs to loans | 0.1679% | 1,686 |
| Credit loss provision to net charge-offs | 31.1475% | 3,639 |
| Earnings coverage of net charge-offs (x) | 10.1967% | 2,719 |
| Efficiency ratio | 82.6257% | 1,318 |
| Assets per employee ($millions) | 3.9533% | 4,023 |
| Cash dividends to net income (ytd only)* | 8.0357% | 4,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 4,801 |
| Loan loss allowance to noncurrent loans | 193.2584% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 4,703 |
| Noncurrent loans to loans | 0.4982% | 3,697 |
| Net loans and leases to total assets | 38.9125% | 5,581 |
| Net loans and leases to deposits | 43.6104% | 5,662 |
| Net loans and leases to core deposits | 45.4180% | 5,672 |
| Total domestic deposits to total assets | 89.2276% | 1,009 |
| Equity capital to assets | 9.6825% | 4,323 |
| Core capital (leverage) ratio | 9.9474% | 3,581 |
| Tier 1 risk-based capital ratio | 17.5401% | 2,113 |
| Total risk-based capital ratio | 18.2429% | 2,236 |
| Memoranda: | ||
| Average total assets | $90,077,600 | 4,673 |
| Average earning assets | $80,368,800 | 4,706 |
| Average equity | $8,734,800 | 4,907 |
| Average total loans | $36,335,800 | 5,143 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,493 |
| Cost of funding earning assets | 0.3227% | 4,072 |
| Net interest margin | 3.9057% | 2,013 |
| Noninterest income to average assets | 0.4881% | 3,457 |
| Noninterest expense to average assets | 3.3323% | 1,618 |
| Loan and lease loss provision to assets | 0.0282% | 3,676 |
| Net operating income to assets | 0.4468% | 4,985 |
| Return on assets (ROA) | 0.4837% | 4,943 |
| Pretax return on assets | 0.6810% | 4,747 |
| Return on Equity (ROE) | 4.9861% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.4354% | 3,305 |
| Net charge-offs to loans | 0.1279% | 1,853 |
| Credit loss provision to net charge-offs | 54.2857% | 2,984 |
| Earnings coverage of net charge-offs (x) | 12.6559% | 2,391 |
| Efficiency ratio | 83.5255% | 1,218 |
| Assets per employee ($millions) | 3.6038% | 4,602 |
| Cash dividends to net income (ytd only)* | 11.0431% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 4,471 |
| Loan loss allowance to noncurrent loans | 157.0213% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,574 |
| Noncurrent loans to loans | 0.6684% | 3,327 |
| Net loans and leases to total assets | 40.2245% | 5,579 |
| Net loans and leases to deposits | 45.3811% | 5,674 |
| Net loans and leases to core deposits | 47.3818% | 5,678 |
| Total domestic deposits to total assets | 88.6371% | 1,215 |
| Equity capital to assets | 10.1871% | 3,951 |
| Core capital (leverage) ratio | 9.6716% | 4,073 |
| Tier 1 risk-based capital ratio | 17.9362% | 2,042 |
| Total risk-based capital ratio | 18.7182% | 2,151 |
| Memoranda: | ||
| Average total assets | $89,865,250 | 4,729 |
| Average earning assets | $80,565,000 | 4,763 |
| Average equity | $8,717,500 | 4,974 |
| Average total loans | $36,488,250 | 5,195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 2,464 |
| Cost of funding earning assets | 0.3212% | 4,141 |
| Net interest margin | 3.9013% | 1,975 |
| Noninterest income to average assets | 0.4990% | 3,385 |
| Noninterest expense to average assets | 3.1630% | 2,086 |
| Loan and lease loss provision to assets | 0.0418% | 3,276 |
| Net operating income to assets | 0.5511% | 4,558 |
| Return on assets (ROA) | 0.5649% | 4,606 |
| Pretax return on assets | 0.8111% | 4,286 |
| Return on Equity (ROE) | 5.9173% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.0885% | 2,806 |
| Net charge-offs to loans | 0.1787% | 1,385 |
| Credit loss provision to net charge-offs | 57.5758% | 2,617 |
| Earnings coverage of net charge-offs (x) | 11.4848% | 2,292 |
| Efficiency ratio | 79.1529% | 1,890 |
| Assets per employee ($millions) | 3.5372% | 4,726 |
| Cash dividends to net income (ytd only)* | 14.0078% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 4,668 |
| Loan loss allowance to noncurrent loans | 481.8182% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 5,406 |
| Noncurrent loans to loans | 0.2155% | 4,910 |
| Net loans and leases to total assets | 39.9891% | 5,631 |
| Net loans and leases to deposits | 44.8836% | 5,728 |
| Net loans and leases to core deposits | 46.8048% | 5,729 |
| Total domestic deposits to total assets | 89.0952% | 1,103 |
| Equity capital to assets | 9.7095% | 4,388 |
| Core capital (leverage) ratio | 9.2971% | 4,559 |
| Tier 1 risk-based capital ratio | 16.9313% | 2,432 |
| Total risk-based capital ratio | 17.6809% | 2,602 |
| Memoranda: | ||
| Average total assets | $90,989,670 | 4,746 |
| Average earning assets | $81,561,670 | 4,790 |
| Average equity | $8,686,330 | 5,012 |
| Average total loans | $36,931,000 | 5,222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 2,626 |
| Cost of funding earning assets | 0.3254% | 4,162 |
| Net interest margin | 3.8271% | 2,141 |
| Noninterest income to average assets | 0.4985% | 3,295 |
| Noninterest expense to average assets | 3.1690% | 2,067 |
| Loan and lease loss provision to assets | 0.0824% | 2,326 |
| Net operating income to assets | 0.4781% | 4,770 |
| Return on assets (ROA) | 0.4812% | 4,878 |
| Pretax return on assets | 0.6676% | 4,704 |
| Return on Equity (ROE) | 5.0821% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.4339% | 3,930 |
| Net charge-offs to loans | 0.3624% | 675 |
| Credit loss provision to net charge-offs | 55.8824% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,422 |
| Efficiency ratio | 80.9524% | 1,763 |
| Assets per employee ($millions) | 3.7370% | 4,448 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,019 |
| Loan loss allowance to noncurrent loans | 74.6479% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 3,810 |
| Noncurrent loans to loans | 1.3403% | 2,146 |
| Net loans and leases to total assets | 39.2929% | 5,641 |
| Net loans and leases to deposits | 43.9518% | 5,761 |
| Net loans and leases to core deposits | 45.7160% | 5,768 |
| Total domestic deposits to total assets | 89.3999% | 1,046 |
| Equity capital to assets | 9.4697% | 4,783 |
| Core capital (leverage) ratio | 8.9768% | 4,975 |
| Tier 1 risk-based capital ratio | 16.4393% | 2,715 |
| Total risk-based capital ratio | 17.1781% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,270,000 | 4,763 |
| Average earning assets | $82,360,500 | 4,813 |
| Average equity | $8,736,500 | 5,054 |
| Average total loans | $37,530,000 | 5,228 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,419 |
| Cost of funding earning assets | 0.3664% | 4,071 |
| Net interest margin | 3.9820% | 1,948 |
| Noninterest income to average assets | 0.4779% | 3,661 |
| Noninterest expense to average assets | 3.2311% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5438% | 4,623 |
| Return on assets (ROA) | 0.5520% | 4,681 |
| Pretax return on assets | 0.7664% | 4,379 |
| Return on Equity (ROE) | 6.0400% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.7904% | 2,072 |
| Net charge-offs to loans | 0.1449% | 2,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.4906% | 2,366 |
| Efficiency ratio | 81.0587% | 1,762 |
| Assets per employee ($millions) | 3.6446% | 4,637 |
| Cash dividends to net income (ytd only)* | 4.1322% | 4,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,959 |
| Loan loss allowance to noncurrent loans | 70.3097% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 3,699 |
| Noncurrent loans to loans | 1.4455% | 2,038 |
| Net loans and leases to total assets | 41.2595% | 5,674 |
| Net loans and leases to deposits | 46.1701% | 5,788 |
| Net loans and leases to core deposits | 49.1380% | 5,756 |
| Total domestic deposits to total assets | 89.3641% | 1,041 |
| Equity capital to assets | 9.4671% | 4,758 |
| Core capital (leverage) ratio | 9.0831% | 4,846 |
| Tier 1 risk-based capital ratio | 16.2479% | 2,836 |
| Total risk-based capital ratio | 17.0282% | 3,019 |
| Memoranda: | ||
| Average total assets | $87,678,000 | 4,894 |
| Average earning assets | $77,247,800 | 4,949 |
| Average equity | $8,013,200 | 5,196 |
| Average total loans | $36,575,600 | 5,306 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,477 |
| Cost of funding earning assets | 0.3723% | 4,104 |
| Net interest margin | 3.9631% | 1,985 |
| Noninterest income to average assets | 0.5037% | 3,525 |
| Noninterest expense to average assets | 3.1974% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5756% | 4,562 |
| Return on assets (ROA) | 0.5866% | 4,586 |
| Pretax return on assets | 0.8201% | 4,286 |
| Return on Equity (ROE) | 6.4799% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.1406% | 2,320 |
| Net charge-offs to loans | 0.1730% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.1481% | 2,461 |
| Efficiency ratio | 79.8926% | 1,935 |
| Assets per employee ($millions) | 3.3875% | 5,065 |
| Cash dividends to net income (ytd only)* | 5.2364% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 4,995 |
| Loan loss allowance to noncurrent loans | 69.8214% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 3,454 |
| Noncurrent loans to loans | 1.5019% | 2,160 |
| Net loans and leases to total assets | 43.5663% | 5,552 |
| Net loans and leases to deposits | 48.9980% | 5,700 |
| Net loans and leases to core deposits | 52.6432% | 5,646 |
| Total domestic deposits to total assets | 88.9145% | 1,293 |
| Equity capital to assets | 9.8221% | 4,395 |
| Core capital (leverage) ratio | 9.3838% | 4,530 |
| Tier 1 risk-based capital ratio | 16.8712% | 2,661 |
| Total risk-based capital ratio | 17.6999% | 2,787 |
| Memoranda: | ||
| Average total assets | $86,818,500 | 4,963 |
| Average earning assets | $76,639,000 | 5,017 |
| Average equity | $7,860,000 | 5,275 |
| Average total loans | $36,224,500 | 5,375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,758 |
| Cost of funding earning assets | 0.3773% | 4,138 |
| Net interest margin | 3.8772% | 2,264 |
| Noninterest income to average assets | 0.4958% | 3,506 |
| Noninterest expense to average assets | 3.1464% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5434% | 4,632 |
| Return on assets (ROA) | 0.5598% | 4,650 |
| Pretax return on assets | 0.7769% | 4,356 |
| Return on Equity (ROE) | 6.3576% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,422 |
| Net charge-offs to loans | 0.1561% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 11.7857% | 2,119 |
| Efficiency ratio | 80.6678% | 1,922 |
| Assets per employee ($millions) | 3.4443% | 4,963 |
| Cash dividends to net income (ytd only)* | 8.1633% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 4,917 |
| Loan loss allowance to noncurrent loans | 328.0000% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,542 |
| Noncurrent loans to loans | 0.3347% | 5,010 |
| Net loans and leases to total assets | 42.8938% | 5,617 |
| Net loans and leases to deposits | 47.9258% | 5,774 |
| Net loans and leases to core deposits | 51.3885% | 5,709 |
| Total domestic deposits to total assets | 89.5004% | 1,091 |
| Equity capital to assets | 9.3836% | 4,859 |
| Core capital (leverage) ratio | 9.0621% | 4,923 |
| Tier 1 risk-based capital ratio | 17.1171% | 2,572 |
| Total risk-based capital ratio | 18.0143% | 2,690 |
| Memoranda: | ||
| Average total assets | $87,529,000 | 4,985 |
| Average earning assets | $76,858,670 | 5,048 |
| Average equity | $7,707,330 | 5,340 |
| Average total loans | $35,870,670 | 5,425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 3,258 |
| Cost of funding earning assets | 0.3986% | 3,985 |
| Net interest margin | 3.7066% | 2,838 |
| Noninterest income to average assets | 0.5530% | 3,030 |
| Noninterest expense to average assets | 3.2094% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4420% | 4,966 |
| Return on assets (ROA) | 0.4760% | 4,885 |
| Pretax return on assets | 0.6346% | 4,709 |
| Return on Equity (ROE) | 5.5844% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.5844% | 2,746 |
| Net charge-offs to loans | -0.0114% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4869% | 1,619 |
| Assets per employee ($millions) | 3.4675% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,472 |
| Loan loss allowance to noncurrent loans | 172.1569% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,985 |
| Noncurrent loans to loans | 0.7156% | 4,080 |
| Net loans and leases to total assets | 39.0365% | 5,874 |
| Net loans and leases to deposits | 43.1477% | 6,015 |
| Net loans and leases to core deposits | 46.3688% | 5,967 |
| Total domestic deposits to total assets | 90.4719% | 814 |
| Equity capital to assets | 8.5199% | 5,637 |
| Core capital (leverage) ratio | 8.9190% | 5,118 |
| Tier 1 risk-based capital ratio | 16.4513% | 2,919 |
| Total risk-based capital ratio | 17.3890% | 3,059 |
| Memoranda: | ||
| Average total assets | $88,239,500 | 5,013 |
| Average earning assets | $77,268,000 | 5,083 |
| Average equity | $7,521,000 | 5,416 |
| Average total loans | $35,133,500 | 5,503 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 3,048 |
| Cost of funding earning assets | 0.5148% | 3,454 |
| Net interest margin | 3.7617% | 2,797 |
| Noninterest income to average assets | 0.5452% | 3,436 |
| Noninterest expense to average assets | 3.4489% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3198% | 5,458 |
| Return on assets (ROA) | 0.3602% | 5,411 |
| Pretax return on assets | 0.4454% | 5,373 |
| Return on Equity (ROE) | 3.8808% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.4875% | 3,744 |
| Net charge-offs to loans | 0.1336% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,888 |
| Efficiency ratio | 89.7119% | 1,049 |
| Assets per employee ($millions) | 3.3202% | 5,243 |
| Cash dividends to net income (ytd only)* | 10.1351% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,324 |
| Loan loss allowance to noncurrent loans | 253.1792% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 5,330 |
| Noncurrent loans to loans | 0.4995% | 4,747 |
| Net loans and leases to total assets | 39.6142% | 5,991 |
| Net loans and leases to deposits | 43.8041% | 6,132 |
| Net loans and leases to core deposits | 46.4823% | 6,113 |
| Total domestic deposits to total assets | 90.4350% | 853 |
| Equity capital to assets | 8.5271% | 5,551 |
| Core capital (leverage) ratio | 9.2384% | 4,661 |
| Tier 1 risk-based capital ratio | 17.0429% | 2,591 |
| Total risk-based capital ratio | 18.0256% | 2,679 |
| Memoranda: | ||
| Average total assets | $82,172,200 | 5,188 |
| Average earning assets | $72,068,800 | 5,253 |
| Average equity | $7,627,200 | 5,429 |
| Average total loans | $33,688,600 | 5,592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,201 |
| Cost of funding earning assets | 0.5308% | 3,458 |
| Net interest margin | 3.7190% | 2,959 |
| Noninterest income to average assets | 0.5571% | 3,412 |
| Noninterest expense to average assets | 3.4609% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3043% | 5,603 |
| Return on assets (ROA) | 0.3582% | 5,540 |
| Pretax return on assets | 0.4453% | 5,511 |
| Return on Equity (ROE) | 3.7779% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.2580% | 4,359 |
| Net charge-offs to loans | 0.1036% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.8451% | 2,567 |
| Efficiency ratio | 90.1541% | 978 |
| Assets per employee ($millions) | 3.1415% | 5,601 |
| Cash dividends to net income (ytd only)* | 13.7618% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,093 |
| Loan loss allowance to noncurrent loans | 164.3885% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 4,987 |
| Noncurrent loans to loans | 0.8258% | 4,184 |
| Net loans and leases to total assets | 40.6567% | 5,986 |
| Net loans and leases to deposits | 45.2536% | 6,143 |
| Net loans and leases to core deposits | 48.2401% | 6,113 |
| Total domestic deposits to total assets | 89.8419% | 1,087 |
| Equity capital to assets | 9.0684% | 5,105 |
| Core capital (leverage) ratio | 9.3942% | 4,536 |
| Tier 1 risk-based capital ratio | 17.1549% | 2,643 |
| Total risk-based capital ratio | 18.1976% | 2,694 |
| Memoranda: | ||
| Average total assets | $81,134,000 | 5,256 |
| Average earning assets | $71,594,000 | 5,314 |
| Average equity | $7,693,750 | 5,471 |
| Average total loans | $33,452,000 | 5,658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 3,395 |
| Cost of funding earning assets | 0.5460% | 3,459 |
| Net interest margin | 3.6478% | 3,182 |
| Noninterest income to average assets | 0.5509% | 3,493 |
| Noninterest expense to average assets | 3.4218% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2776% | 5,676 |
| Return on assets (ROA) | 0.3212% | 5,672 |
| Pretax return on assets | 0.3829% | 5,676 |
| Return on Equity (ROE) | 3.3379% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.5676% | 4,671 |
| Net charge-offs to loans | 0.0419% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,518 |
| Efficiency ratio | 91.1784% | 970 |
| Assets per employee ($millions) | 3.5774% | 4,678 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,039 |
| Loan loss allowance to noncurrent loans | 330.5556% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 5,539 |
| Noncurrent loans to loans | 0.4232% | 5,203 |
| Net loans and leases to total assets | 40.7742% | 5,989 |
| Net loans and leases to deposits | 45.3935% | 6,143 |
| Net loans and leases to core deposits | 48.2879% | 6,116 |
| Total domestic deposits to total assets | 89.8238% | 1,139 |
| Equity capital to assets | 9.0873% | 5,121 |
| Core capital (leverage) ratio | 8.9437% | 5,083 |
| Tier 1 risk-based capital ratio | 16.8867% | 2,753 |
| Total risk-based capital ratio | 17.9682% | 2,803 |
| Memoranda: | ||
| Average total assets | $80,952,330 | 5,297 |
| Average earning assets | $71,056,330 | 5,364 |
| Average equity | $7,789,330 | 5,487 |
| Average total loans | $33,381,000 | 5,692 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,451 |
| Cost of funding earning assets | 0.5455% | 3,617 |
| Net interest margin | 3.6178% | 3,194 |
| Noninterest income to average assets | 0.5530% | 3,416 |
| Noninterest expense to average assets | 3.7565% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0648% | 6,217 |
| Return on assets (ROA) | 0.0648% | 6,303 |
| Pretax return on assets | -0.0648% | 6,453 |
| Return on Equity (ROE) | 0.6545% | 6,295 |
| Retained earnings to average equity (ytd only) | -0.8558% | 5,928 |
| Net charge-offs to loans | 0.0847% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.8571% | 4,014 |
| Efficiency ratio | 101.7544% | 488 |
| Assets per employee ($millions) | 3.4139% | 5,175 |
| Cash dividends to net income (ytd only)* | 230.7692% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,148 |
| Loan loss allowance to noncurrent loans | 573.4940% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 5,868 |
| Noncurrent loans to loans | 0.2472% | 5,792 |
| Net loans and leases to total assets | 40.4020% | 5,967 |
| Net loans and leases to deposits | 45.2604% | 6,105 |
| Net loans and leases to core deposits | 48.0115% | 6,095 |
| Total domestic deposits to total assets | 89.2658% | 1,514 |
| Equity capital to assets | 9.6651% | 4,616 |
| Core capital (leverage) ratio | 9.1728% | 4,606 |
| Tier 1 risk-based capital ratio | 16.1600% | 3,177 |
| Total risk-based capital ratio | 17.2109% | 3,253 |
| Memoranda: | ||
| Average total assets | $80,288,500 | 5,360 |
| Average earning assets | $69,656,500 | 5,445 |
| Average equity | $7,945,500 | 5,499 |
| Average total loans | $33,059,000 | 5,748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 3,250 |
| Cost of funding earning assets | 0.6669% | 3,772 |
| Net interest margin | 3.8708% | 2,942 |
| Noninterest income to average assets | 0.4793% | 4,044 |
| Noninterest expense to average assets | 3.6203% | 1,564 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1896% | 5,807 |
| Return on assets (ROA) | 0.2559% | 5,822 |
| Pretax return on assets | 0.2897% | 5,837 |
| Return on Equity (ROE) | 2.5555% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.5555% | 4,431 |
| Net charge-offs to loans | 0.0881% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.8929% | 2,923 |
| Efficiency ratio | 94.4106% | 779 |
| Assets per employee ($millions) | 3.2768% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 3,811 |
| Loan loss allowance to noncurrent loans | 561.6279% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 5,962 |
| Noncurrent loans to loans | 0.2643% | 5,817 |
| Net loans and leases to total assets | 40.7614% | 6,119 |
| Net loans and leases to deposits | 45.9045% | 6,257 |
| Net loans and leases to core deposits | 49.1996% | 6,196 |
| Total domestic deposits to total assets | 88.7962% | 1,703 |
| Equity capital to assets | 10.1369% | 3,989 |
| Core capital (leverage) ratio | 9.9377% | 3,486 |
| Tier 1 risk-based capital ratio | 16.8473% | 2,728 |
| Total risk-based capital ratio | 17.9562% | 2,760 |
| Memoranda: | ||
| Average total assets | $76,982,600 | 5,435 |
| Average earning assets | $66,731,200 | 5,522 |
| Average equity | $7,708,800 | 5,581 |
| Average total loans | $31,764,600 | 5,865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 3,493 |
| Cost of funding earning assets | 0.6881% | 3,874 |
| Net interest margin | 3.8482% | 3,127 |
| Noninterest income to average assets | 0.4562% | 4,238 |
| Noninterest expense to average assets | 3.6081% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1995% | 5,918 |
| Return on assets (ROA) | 0.2908% | 5,847 |
| Pretax return on assets | 0.3169% | 5,926 |
| Return on Equity (ROE) | 2.9133% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.9133% | 4,809 |
| Net charge-offs to loans | 0.1014% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.2081% | 3,078 |
| Efficiency ratio | 94.3104% | 754 |
| Assets per employee ($millions) | 2.9504% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,851 |
| Loan loss allowance to noncurrent loans | 269.0608% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 5,778 |
| Noncurrent loans to loans | 0.5658% | 5,309 |
| Net loans and leases to total assets | 42.7134% | 6,064 |
| Net loans and leases to deposits | 48.4774% | 6,234 |
| Net loans and leases to core deposits | 51.5318% | 6,212 |
| Total domestic deposits to total assets | 88.1099% | 1,982 |
| Equity capital to assets | 10.7512% | 3,555 |
| Core capital (leverage) ratio | 9.7385% | 3,890 |
| Tier 1 risk-based capital ratio | 17.1451% | 2,676 |
| Total risk-based capital ratio | 18.2874% | 2,671 |
| Memoranda: | ||
| Average total assets | $76,567,500 | 5,498 |
| Average earning assets | $67,043,000 | 5,579 |
| Average equity | $7,643,000 | 5,661 |
| Average total loans | $31,571,000 | 5,944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 3,547 |
| Cost of funding earning assets | 0.7097% | 3,941 |
| Net interest margin | 3.8444% | 3,158 |
| Noninterest income to average assets | 0.4438% | 4,343 |
| Noninterest expense to average assets | 3.4605% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2757% | 5,689 |
| Return on assets (ROA) | 0.3948% | 5,471 |
| Pretax return on assets | 0.4851% | 5,484 |
| Return on Equity (ROE) | 4.0544% | 5,240 |
| Retained earnings to average equity (ytd only) | 4.0544% | 3,909 |
| Net charge-offs to loans | 0.0064% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 342 |
| Efficiency ratio | 91.1005% | 986 |
| Assets per employee ($millions) | 3.1305% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,477 |
| Loan loss allowance to noncurrent loans | 81.2102% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 4,689 |
| Noncurrent loans to loans | 2.0144% | 2,935 |
| Net loans and leases to total assets | 39.1825% | 6,393 |
| Net loans and leases to deposits | 43.9843% | 6,557 |
| Net loans and leases to core deposits | 46.7141% | 6,531 |
| Total domestic deposits to total assets | 89.0828% | 1,459 |
| Equity capital to assets | 9.8950% | 4,495 |
| Core capital (leverage) ratio | 9.4395% | 4,230 |
| Tier 1 risk-based capital ratio | 17.2385% | 2,572 |
| Total risk-based capital ratio | 18.4437% | 2,549 |
| Memoranda: | ||
| Average total assets | $77,503,670 | 5,506 |
| Average earning assets | $67,630,330 | 5,601 |
| Average equity | $7,547,330 | 5,697 |
| Average total loans | $31,430,670 | 5,996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 3,491 |
| Cost of funding earning assets | 0.7486% | 3,872 |
| Net interest margin | 3.8539% | 3,121 |
| Noninterest income to average assets | 0.4823% | 4,042 |
| Noninterest expense to average assets | 3.5579% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2667% | 5,758 |
| Return on assets (ROA) | 0.4823% | 5,100 |
| Pretax return on assets | 0.6224% | 5,040 |
| Return on Equity (ROE) | 4.9940% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.9940% | 3,563 |
| Net charge-offs to loans | 0.0127% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 509 |
| Efficiency ratio | 91.2234% | 998 |
| Assets per employee ($millions) | 3.1655% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 3,517 |
| Loan loss allowance to noncurrent loans | 615.6627% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 6,510 |
| Noncurrent loans to loans | 0.2691% | 6,144 |
| Net loans and leases to total assets | 38.3323% | 6,471 |
| Net loans and leases to deposits | 42.8249% | 6,620 |
| Net loans and leases to core deposits | 45.2606% | 6,612 |
| Total domestic deposits to total assets | 89.5093% | 1,365 |
| Equity capital to assets | 9.4911% | 4,819 |
| Core capital (leverage) ratio | 9.2564% | 4,436 |
| Tier 1 risk-based capital ratio | 16.9847% | 2,689 |
| Total risk-based capital ratio | 18.1842% | 2,663 |
| Memoranda: | ||
| Average total assets | $77,124,500 | 5,556 |
| Average earning assets | $68,397,500 | 5,617 |
| Average equity | $7,449,000 | 5,754 |
| Average total loans | $31,558,500 | 6,033 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 1,988 |
| Cost of funding earning assets | 0.9621% | 3,625 |
| Net interest margin | 4.2570% | 1,851 |
| Noninterest income to average assets | 0.5660% | 3,387 |
| Noninterest expense to average assets | 3.5065% | 1,961 |
| Loan and lease loss provision to assets | 0.1390% | 4,882 |
| Net operating income to assets | 0.4873% | 4,479 |
| Return on assets (ROA) | 0.6681% | 3,829 |
| Pretax return on assets | 0.9249% | 3,537 |
| Return on Equity (ROE) | 6.6262% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.6262% | 1,679 |
| Net charge-offs to loans | 0.2538% | 4,186 |
| Credit loss provision to net charge-offs | 113.9535% | 2,871 |
| Earnings coverage of net charge-offs (x) | 6.6628% | 2,470 |
| Efficiency ratio | 81.1823% | 2,136 |
| Assets per employee ($millions) | 3.4142% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 3,645 |
| Loan loss allowance to noncurrent loans | 567.7778% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 6,531 |
| Noncurrent loans to loans | 0.2789% | 6,167 |
| Net loans and leases to total assets | 42.2835% | 6,359 |
| Net loans and leases to deposits | 47.4405% | 6,535 |
| Net loans and leases to core deposits | 49.6972% | 6,545 |
| Total domestic deposits to total assets | 89.1296% | 1,459 |
| Equity capital to assets | 9.8346% | 4,393 |
| Core capital (leverage) ratio | 9.7856% | 3,629 |
| Tier 1 risk-based capital ratio | 16.7617% | 2,711 |
| Total risk-based capital ratio | 17.9608% | 2,688 |
| Memoranda: | ||
| Average total assets | $70,497,600 | 5,728 |
| Average earning assets | $62,156,200 | 5,799 |
| Average equity | $7,108,200 | 5,836 |
| Average total loans | $33,891,000 | 5,957 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 1,833 |
| Cost of funding earning assets | 1.0034% | 3,657 |
| Net interest margin | 4.3016% | 1,711 |
| Noninterest income to average assets | 0.5422% | 3,569 |
| Noninterest expense to average assets | 3.4686% | 2,019 |
| Loan and lease loss provision to assets | 0.0558% | 5,746 |
| Net operating income to assets | 0.5809% | 4,172 |
| Return on assets (ROA) | 0.7941% | 3,356 |
| Pretax return on assets | 1.1056% | 2,986 |
| Return on Equity (ROE) | 7.8234% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,576 |
| Net charge-offs to loans | 0.1088% | 4,911 |
| Credit loss provision to net charge-offs | 103.5714% | 3,215 |
| Earnings coverage of net charge-offs (x) | 16.0726% | 1,418 |
| Efficiency ratio | 80.0355% | 2,249 |
| Assets per employee ($millions) | 3.0988% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 4,068 |
| Loan loss allowance to noncurrent loans | 118.7648% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 5,538 |
| Noncurrent loans to loans | 1.2662% | 4,416 |
| Net loans and leases to total assets | 45.9479% | 6,157 |
| Net loans and leases to deposits | 51.9570% | 6,369 |
| Net loans and leases to core deposits | 54.7223% | 6,410 |
| Total domestic deposits to total assets | 88.4344% | 1,794 |
| Equity capital to assets | 10.4557% | 3,765 |
| Core capital (leverage) ratio | 9.8667% | 3,624 |
| Tier 1 risk-based capital ratio | 15.9901% | 3,127 |
| Total risk-based capital ratio | 17.1234% | 3,137 |
| Memoranda: | ||
| Average total assets | $69,344,000 | 5,799 |
| Average earning assets | $61,122,500 | 5,864 |
| Average equity | $7,038,500 | 5,893 |
| Average total loans | $34,296,000 | 6,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 1,656 |
| Cost of funding earning assets | 1.0309% | 3,738 |
| Net interest margin | 4.3378% | 1,544 |
| Noninterest income to average assets | 0.5793% | 3,269 |
| Noninterest expense to average assets | 3.5138% | 1,949 |
| Loan and lease loss provision to assets | 0.0844% | 5,257 |
| Net operating income to assets | 0.5805% | 4,154 |
| Return on assets (ROA) | 0.9112% | 2,694 |
| Pretax return on assets | 1.2809% | 2,202 |
| Return on Equity (ROE) | 9.0716% | 2,478 |
| Retained earnings to average equity (ytd only) | 9.0716% | 1,080 |
| Net charge-offs to loans | 0.2078% | 3,905 |
| Credit loss provision to net charge-offs | 80.5556% | 3,756 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 2,038 |
| Efficiency ratio | 79.6174% | 2,449 |
| Assets per employee ($millions) | 3.5677% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 4,394 |
| Loan loss allowance to noncurrent loans | 261.7021% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 6,347 |
| Noncurrent loans to loans | 0.5504% | 5,816 |
| Net loans and leases to total assets | 47.1775% | 6,131 |
| Net loans and leases to deposits | 53.0862% | 6,383 |
| Net loans and leases to core deposits | 56.3350% | 6,391 |
| Total domestic deposits to total assets | 88.8696% | 1,619 |
| Equity capital to assets | 10.0513% | 4,074 |
| Core capital (leverage) ratio | 10.1023% | 3,145 |
| Tier 1 risk-based capital ratio | 15.6752% | 3,145 |
| Total risk-based capital ratio | 16.7843% | 3,168 |
| Memoranda: | ||
| Average total assets | $68,701,330 | 5,862 |
| Average earning assets | $60,722,000 | 5,930 |
| Average equity | $6,900,670 | 5,949 |
| Average total loans | $34,645,330 | 6,041 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5915% | 1,073 |
| Cost of funding earning assets | 1.0699% | 3,719 |
| Net interest margin | 4.5217% | 1,020 |
| Noninterest income to average assets | 0.5937% | 3,220 |
| Noninterest expense to average assets | 3.5978% | 1,775 |
| Loan and lease loss provision to assets | 0.1722% | 3,912 |
| Net operating income to assets | 0.5841% | 4,117 |
| Return on assets (ROA) | 0.9677% | 2,352 |
| Pretax return on assets | 1.3536% | 1,872 |
| Return on Equity (ROE) | 9.6378% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.6378% | 1,203 |
| Net charge-offs to loans | 0.3210% | 2,771 |
| Credit loss provision to net charge-offs | 103.5714% | 2,560 |
| Earnings coverage of net charge-offs (x) | 5.9286% | 2,182 |
| Efficiency ratio | 78.4974% | 2,770 |
| Assets per employee ($millions) | 3.4870% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 4,403 |
| Loan loss allowance to noncurrent loans | 393.7008% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 6,401 |
| Noncurrent loans to loans | 0.3704% | 6,257 |
| Net loans and leases to total assets | 48.4471% | 6,027 |
| Net loans and leases to deposits | 54.3724% | 6,260 |
| Net loans and leases to core deposits | 57.5157% | 6,304 |
| Total domestic deposits to total assets | 89.1024% | 1,715 |
| Equity capital to assets | 9.8208% | 4,013 |
| Core capital (leverage) ratio | 10.3625% | 2,751 |
| Tier 1 risk-based capital ratio | 15.2930% | 3,259 |
| Total risk-based capital ratio | 16.4168% | 3,294 |
| Memoranda: | ||
| Average total assets | $67,375,000 | 5,954 |
| Average earning assets | $59,447,000 | 6,014 |
| Average equity | $6,765,000 | 5,999 |
| Average total loans | $34,890,500 | 6,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 772 |
| Cost of funding earning assets | 1.3214% | 3,744 |
| Net interest margin | 4.7311% | 761 |
| Noninterest income to average assets | 0.5544% | 3,791 |
| Noninterest expense to average assets | 3.6172% | 1,886 |
| Loan and lease loss provision to assets | 0.1446% | 5,737 |
| Net operating income to assets | 0.6931% | 3,256 |
| Return on assets (ROA) | 0.8086% | 2,896 |
| Pretax return on assets | 1.1279% | 2,470 |
| Return on Equity (ROE) | 7.7639% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.4759% | 2,125 |
| Net charge-offs to loans | 0.1077% | 5,797 |
| Credit loss provision to net charge-offs | 233.3333% | 1,258 |
| Earnings coverage of net charge-offs (x) | 17.9487% | 1,124 |
| Efficiency ratio | 76.4864% | 2,967 |
| Assets per employee ($millions) | 3.2505% | 5,539 |
| Cash dividends to net income (ytd only)* | 29.4695% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 4,468 |
| Loan loss allowance to noncurrent loans | 265.9574% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 6,180 |
| Noncurrent loans to loans | 0.5297% | 5,987 |
| Net loans and leases to total assets | 53.8286% | 5,655 |
| Net loans and leases to deposits | 60.8337% | 5,970 |
| Net loans and leases to core deposits | 65.8512% | 5,893 |
| Total domestic deposits to total assets | 88.4848% | 1,954 |
| Equity capital to assets | 10.2769% | 3,411 |
| Core capital (leverage) ratio | 10.4768% | 2,585 |
| Tier 1 risk-based capital ratio | 14.8156% | 3,364 |
| Total risk-based capital ratio | 15.9260% | 3,402 |
| Memoranda: | ||
| Average total assets | $62,949,600 | 6,091 |
| Average earning assets | $55,547,000 | 6,149 |
| Average equity | $6,556,000 | 6,183 |
| Average total loans | $36,222,000 | 6,105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0919% | 771 |
| Cost of funding earning assets | 1.3449% | 3,943 |
| Net interest margin | 4.7470% | 754 |
| Noninterest income to average assets | 0.5424% | 3,847 |
| Noninterest expense to average assets | 3.5556% | 1,892 |
| Loan and lease loss provision to assets | 0.1367% | 5,660 |
| Net operating income to assets | 0.7487% | 3,217 |
| Return on assets (ROA) | 0.9033% | 2,743 |
| Pretax return on assets | 1.2664% | 2,277 |
| Return on Equity (ROE) | 8.6439% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.5786% | 2,603 |
| Net charge-offs to loans | -0.0513% | 7,473 |
| Credit loss provision to net charge-offs | -457.1429% | 7,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,144 |
| Assets per employee ($millions) | 3.1468% | 5,811 |
| Cash dividends to net income (ytd only)* | 35.4616% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 4,169 |
| Loan loss allowance to noncurrent loans | 240.1826% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 6,411 |
| Noncurrent loans to loans | 0.6068% | 5,993 |
| Net loans and leases to total assets | 56.5066% | 5,481 |
| Net loans and leases to deposits | 64.3430% | 5,872 |
| Net loans and leases to core deposits | 69.1148% | 5,834 |
| Total domestic deposits to total assets | 87.8210% | 2,079 |
| Equity capital to assets | 10.9635% | 2,995 |
| Core capital (leverage) ratio | 10.3768% | 2,830 |
| Tier 1 risk-based capital ratio | 15.1411% | 3,185 |
| Total risk-based capital ratio | 16.3482% | 3,188 |
| Memoranda: | ||
| Average total assets | $62,434,500 | 6,176 |
| Average earning assets | $55,219,250 | 6,230 |
| Average equity | $6,524,750 | 6,268 |
| Average total loans | $36,404,000 | 6,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0153% | 918 |
| Cost of funding earning assets | 1.3456% | 4,211 |
| Net interest margin | 4.6697% | 867 |
| Noninterest income to average assets | 0.5396% | 3,796 |
| Noninterest expense to average assets | 3.6456% | 1,673 |
| Loan and lease loss provision to assets | 0.1092% | 5,817 |
| Net operating income to assets | 0.6766% | 3,503 |
| Return on assets (ROA) | 0.8126% | 3,060 |
| Pretax return on assets | 1.1178% | 2,722 |
| Return on Equity (ROE) | 7.9067% | 2,918 |
| Retained earnings to average equity (ytd only) | 3.2189% | 4,059 |
| Net charge-offs to loans | -0.0603% | 7,475 |
| Credit loss provision to net charge-offs | -309.0909% | 6,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7930% | 2,760 |
| Assets per employee ($millions) | 3.2284% | 5,607 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,802 |
| Loan loss allowance to noncurrent loans | 257.5916% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 6,512 |
| Noncurrent loans to loans | 0.5130% | 6,226 |
| Net loans and leases to total assets | 56.8966% | 5,574 |
| Net loans and leases to deposits | 64.1750% | 6,019 |
| Net loans and leases to core deposits | 70.3949% | 5,834 |
| Total domestic deposits to total assets | 88.6585% | 1,639 |
| Equity capital to assets | 10.1335% | 3,850 |
| Core capital (leverage) ratio | 10.1012% | 3,062 |
| Tier 1 risk-based capital ratio | 14.0293% | 3,711 |
| Total risk-based capital ratio | 15.1051% | 3,800 |
| Memoranda: | ||
| Average total assets | $62,267,330 | 6,223 |
| Average earning assets | $55,292,670 | 6,268 |
| Average equity | $6,399,670 | 6,341 |
| Average total loans | $36,509,000 | 6,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0365% | 909 |
| Cost of funding earning assets | 1.3760% | 4,322 |
| Net interest margin | 4.6605% | 847 |
| Noninterest income to average assets | 0.5629% | 3,538 |
| Noninterest expense to average assets | 3.5604% | 1,818 |
| Loan and lease loss provision to assets | 0.1571% | 4,962 |
| Net operating income to assets | 0.6381% | 3,719 |
| Return on assets (ROA) | 0.7461% | 3,336 |
| Pretax return on assets | 1.1323% | 2,619 |
| Return on Equity (ROE) | 7.2061% | 3,241 |
| Retained earnings to average equity (ytd only) | -2.2756% | 6,252 |
| Net charge-offs to loans | -0.0332% | 7,224 |
| Credit loss provision to net charge-offs | -800.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9777% | 3,219 |
| Assets per employee ($millions) | 3.1622% | 5,854 |
| Cash dividends to net income (ytd only)* | 131.5789% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 5,095 |
| Loan loss allowance to noncurrent loans | 215.9817% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 6,418 |
| Noncurrent loans to loans | 0.5877% | 6,131 |
| Net loans and leases to total assets | 58.1772% | 5,400 |
| Net loans and leases to deposits | 65.6010% | 5,865 |
| Net loans and leases to core deposits | 71.7338% | 5,747 |
| Total domestic deposits to total assets | 88.6833% | 1,685 |
| Equity capital to assets | 10.0153% | 3,852 |
| Core capital (leverage) ratio | 10.4769% | 2,642 |
| Tier 1 risk-based capital ratio | 14.2084% | 3,531 |
| Total risk-based capital ratio | 15.2796% | 3,600 |
| Memoranda: | ||
| Average total assets | $61,117,000 | 6,343 |
| Average earning assets | $54,071,500 | 6,388 |
| Average equity | $6,328,000 | 6,405 |
| Average total loans | $36,149,000 | 6,303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6623% | 504 |
| Cost of funding earning assets | 1.6809% | 4,613 |
| Net interest margin | 4.9815% | 469 |
| Noninterest income to average assets | 0.6188% | 3,499 |
| Noninterest expense to average assets | 3.7713% | 1,752 |
| Loan and lease loss provision to assets | 0.2515% | 5,387 |
| Net operating income to assets | 0.6811% | 3,011 |
| Return on assets (ROA) | 0.8502% | 2,427 |
| Pretax return on assets | 1.2023% | 1,945 |
| Return on Equity (ROE) | 8.4638% | 2,212 |
| Retained earnings to average equity (ytd only) | 8.4638% | 593 |
| Net charge-offs to loans | 0.5354% | 3,643 |
| Credit loss provision to net charge-offs | 79.3651% | 6,297 |
| Earnings coverage of net charge-offs (x) | 3.8360% | 3,179 |
| Efficiency ratio | 75.6221% | 3,592 |
| Assets per employee ($millions) | 3.1048% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,900 |
| Loan loss allowance to noncurrent loans | 205.9908% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 6,344 |
| Noncurrent loans to loans | 0.6194% | 6,006 |
| Net loans and leases to total assets | 58.6276% | 5,551 |
| Net loans and leases to deposits | 66.5890% | 5,988 |
| Net loans and leases to core deposits | 87.2764% | 5,406 |
| Total domestic deposits to total assets | 88.0439% | 1,956 |
| Equity capital to assets | 10.7169% | 2,953 |
| Core capital (leverage) ratio | 10.7278% | 2,403 |
| Tier 1 risk-based capital ratio | 15.3653% | 2,777 |
| Total risk-based capital ratio | 16.4540% | 2,802 |
| Memoranda: | ||
| Average total assets | $59,635,200 | 6,364 |
| Average earning assets | $52,294,000 | 6,445 |
| Average equity | $5,990,200 | 6,606 |
| Average total loans | $35,298,200 | 6,341 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7239% | 489 |
| Cost of funding earning assets | 1.7611% | 4,582 |
| Net interest margin | 4.9628% | 482 |
| Noninterest income to average assets | 0.6355% | 3,458 |
| Noninterest expense to average assets | 3.5497% | 2,145 |
| Loan and lease loss provision to assets | 0.1561% | 5,788 |
| Net operating income to assets | 0.8706% | 2,536 |
| Return on assets (ROA) | 1.0859% | 1,835 |
| Pretax return on assets | 1.5943% | 1,188 |
| Return on Equity (ROE) | 10.9919% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.9919% | 475 |
| Net charge-offs to loans | 0.1772% | 4,984 |
| Credit loss provision to net charge-offs | 148.9362% | 3,237 |
| Earnings coverage of net charge-offs (x) | 13.6798% | 1,661 |
| Efficiency ratio | 71.2304% | 4,383 |
| Assets per employee ($millions) | 3.0515% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,870 |
| Loan loss allowance to noncurrent loans | 148.3965% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 5,797 |
| Noncurrent loans to loans | 0.9531% | 5,389 |
| Net loans and leases to total assets | 61.1905% | 5,388 |
| Net loans and leases to deposits | 70.7615% | 5,817 |
| Net loans and leases to core deposits | 92.6510% | 5,172 |
| Total domestic deposits to total assets | 86.4742% | 2,438 |
| Equity capital to assets | 10.9749% | 3,034 |
| Core capital (leverage) ratio | 10.6262% | 2,689 |
| Tier 1 risk-based capital ratio | 15.1952% | 2,955 |
| Total risk-based capital ratio | 16.4251% | 2,906 |
| Memoranda: | ||
| Average total assets | $59,796,250 | 6,400 |
| Average earning assets | $52,389,000 | 6,480 |
| Average equity | $5,907,250 | 6,698 |
| Average total loans | $35,364,750 | 6,387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7488% | 492 |
| Cost of funding earning assets | 1.8306% | 4,602 |
| Net interest margin | 4.9182% | 518 |
| Noninterest income to average assets | 0.6622% | 3,249 |
| Noninterest expense to average assets | 3.5628% | 2,160 |
| Loan and lease loss provision to assets | 0.2318% | 4,730 |
| Net operating income to assets | 0.8257% | 2,751 |
| Return on assets (ROA) | 0.9503% | 2,373 |
| Pretax return on assets | 1.3311% | 1,930 |
| Return on Equity (ROE) | 9.9734% | 2,029 |
| Retained earnings to average equity (ytd only) | 9.9734% | 742 |
| Net charge-offs to loans | 0.1763% | 4,475 |
| Credit loss provision to net charge-offs | 225.8065% | 2,039 |
| Earnings coverage of net charge-offs (x) | 13.5161% | 1,732 |
| Efficiency ratio | 71.9732% | 4,416 |
| Assets per employee ($millions) | 3.1338% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 3,395 |
| Loan loss allowance to noncurrent loans | 198.4906% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 6,196 |
| Noncurrent loans to loans | 0.7376% | 5,769 |
| Net loans and leases to total assets | 59.4579% | 5,770 |
| Net loans and leases to deposits | 67.0257% | 6,289 |
| Net loans and leases to core deposits | 92.3131% | 5,311 |
| Total domestic deposits to total assets | 88.7090% | 1,429 |
| Equity capital to assets | 9.9558% | 4,008 |
| Core capital (leverage) ratio | 10.1912% | 3,105 |
| Tier 1 risk-based capital ratio | 14.3646% | 3,323 |
| Total risk-based capital ratio | 15.6059% | 3,264 |
| Memoranda: | ||
| Average total assets | $60,402,330 | 6,435 |
| Average earning assets | $52,661,330 | 6,523 |
| Average equity | $5,755,330 | 6,811 |
| Average total loans | $35,157,670 | 6,450 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7339% | 549 |
| Cost of funding earning assets | 1.9413% | 4,425 |
| Net interest margin | 4.7926% | 622 |
| Noninterest income to average assets | 0.5655% | 3,788 |
| Noninterest expense to average assets | 3.2154% | 2,919 |
| Loan and lease loss provision to assets | 0.1315% | 5,275 |
| Net operating income to assets | 0.9600% | 2,478 |
| Return on assets (ROA) | 1.1902% | 1,794 |
| Pretax return on assets | 1.7031% | 1,170 |
| Return on Equity (ROE) | 12.7712% | 1,442 |
| Retained earnings to average equity (ytd only) | 12.7712% | 670 |
| Net charge-offs to loans | -0.0345% | 7,591 |
| Credit loss provision to net charge-offs | -666.6667% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1058% | 4,948 |
| Assets per employee ($millions) | 3.1804% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 3,301 |
| Loan loss allowance to noncurrent loans | 89.4552% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 4,798 |
| Noncurrent loans to loans | 1.6078% | 3,866 |
| Net loans and leases to total assets | 57.7259% | 5,989 |
| Net loans and leases to deposits | 64.6310% | 6,496 |
| Net loans and leases to core deposits | 88.6320% | 5,683 |
| Total domestic deposits to total assets | 89.3160% | 1,094 |
| Equity capital to assets | 9.4064% | 4,803 |
| Core capital (leverage) ratio | 10.1352% | 3,254 |
| Tier 1 risk-based capital ratio | 14.1532% | 3,502 |
| Total risk-based capital ratio | 15.3577% | 3,451 |
| Memoranda: | ||
| Average total assets | $60,832,000 | 6,443 |
| Average earning assets | $52,748,000 | 6,552 |
| Average equity | $5,669,000 | 6,888 |
| Average total loans | $34,772,000 | 6,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8970% | 1,406 |
| Cost of funding earning assets | 2.4643% | 4,397 |
| Net interest margin | 4.4327% | 1,584 |
| Noninterest income to average assets | 0.6751% | 3,292 |
| Noninterest expense to average assets | 3.3041% | 2,950 |
| Loan and lease loss provision to assets | 0.1642% | 5,284 |
| Net operating income to assets | 0.8921% | 3,034 |
| Return on assets (ROA) | -0.0166% | 6,254 |
| Pretax return on assets | -0.2687% | 6,431 |
| Return on Equity (ROE) | -0.1784% | 6,257 |
| Retained earnings to average equity (ytd only) | -0.1784% | 5,330 |
| Net charge-offs to loans | 0.1753% | 4,444 |
| Credit loss provision to net charge-offs | 159.6774% | 3,233 |
| Earnings coverage of net charge-offs (x) | 12.7903% | 2,205 |
| Efficiency ratio | 71.5260% | 4,030 |
| Assets per employee ($millions) | 3.2230% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,066 |
| Loan loss allowance to noncurrent loans | 113.5514% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,126 |
| Noncurrent loans to loans | 1.2532% | 4,007 |
| Net loans and leases to total assets | 54.9782% | 6,548 |
| Net loans and leases to deposits | 61.3242% | 7,000 |
| Net loans and leases to core deposits | 82.5677% | 6,409 |
| Total domestic deposits to total assets | 89.6517% | 785 |
| Equity capital to assets | 9.2330% | 5,027 |
| Core capital (leverage) ratio | 9.6072% | 3,866 |
| Tier 1 risk-based capital ratio | 14.3999% | 3,338 |
| Total risk-based capital ratio | 15.6068% | 3,280 |
| Memoranda: | ||
| Average total assets | $60,289,400 | 6,374 |
| Average earning assets | $53,646,400 | 6,432 |
| Average equity | $5,605,600 | 6,946 |
| Average total loans | $35,366,200 | 6,399 |