Home > Home State Bank > Performance and Condition Ratios
Home State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 3,069 |
| Cost of funding earning assets | 1.4800% | 1,989 |
| Net interest margin | 3.0380% | 3,207 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.7399% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2408% | 1,558 |
| Return on assets (ROA) | 1.1994% | 1,630 |
| Pretax return on assets | 1.2533% | 1,999 |
| Return on Equity (ROE) | 5.5000% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.1948% | 3,215 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.3034% | 3,365 |
| Assets per employee ($millions) | 11.9892% | 415 |
| Cash dividends to net income (ytd only)* | 41.9162% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 2,915 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.4900% | 3,315 |
| Net loans and leases to deposits | 74.4467% | 2,587 |
| Net loans and leases to core deposits | 83.7156% | 2,476 |
| Total domestic deposits to total assets | 73.1900% | 4,155 |
| Equity capital to assets | 21.6278% | 250 |
| Core capital (leverage) ratio | 25.9659% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $55,692,800 | 4,257 |
| Average earning assets | $53,917,600 | 4,209 |
| Average equity | $12,144,600 | 3,512 |
| Average total loans | $28,310,000 | 4,165 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 2,842 |
| Cost of funding earning assets | 1.4023% | 1,861 |
| Net interest margin | 3.1293% | 3,083 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.6401% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3971% | 1,321 |
| Return on assets (ROA) | 1.4302% | 1,237 |
| Pretax return on assets | 1.4815% | 1,596 |
| Return on Equity (ROE) | 6.5400% | 3,536 |
| Retained earnings to average equity (ytd only) | 3.4171% | 3,411 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.1225% | 3,662 |
| Assets per employee ($millions) | 10.5130% | 572 |
| Cash dividends to net income (ytd only)* | 47.7816% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 1,558 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.8200% | 3,692 |
| Net loans and leases to deposits | 62.9396% | 3,337 |
| Net loans and leases to core deposits | 69.5342% | 3,229 |
| Total domestic deposits to total assets | 77.5700% | 3,867 |
| Equity capital to assets | 22.2391% | 232 |
| Core capital (leverage) ratio | 25.5644% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,629,500 | 4,280 |
| Average earning assets | $52,960,250 | 4,236 |
| Average equity | $11,939,500 | 3,526 |
| Average total loans | $27,131,750 | 4,198 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 3,076 |
| Cost of funding earning assets | 1.1937% | 2,014 |
| Net interest margin | 3.1186% | 3,176 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.5330% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4870% | 1,129 |
| Return on assets (ROA) | 1.5221% | 1,059 |
| Pretax return on assets | 1.5727% | 1,462 |
| Return on Equity (ROE) | 7.0000% | 3,479 |
| Retained earnings to average equity (ytd only) | 2.3456% | 3,633 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.9411% | 3,936 |
| Assets per employee ($millions) | 11.3248% | 464 |
| Cash dividends to net income (ytd only)* | 66.5083% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,349 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.1700% | 3,472 |
| Net loans and leases to deposits | 71.1238% | 2,706 |
| Net loans and leases to core deposits | 74.5248% | 2,855 |
| Total domestic deposits to total assets | 71.9400% | 4,294 |
| Equity capital to assets | 21.4909% | 240 |
| Core capital (leverage) ratio | 25.5797% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $55,317,667 | 4,295 |
| Average earning assets | $53,613,667 | 4,249 |
| Average equity | $12,022,667 | 3,534 |
| Average total loans | $27,502,000 | 4,204 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 3,134 |
| Cost of funding earning assets | 0.9740% | 2,136 |
| Net interest margin | 3.1786% | 3,164 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 1.6830% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3994% | 1,412 |
| Return on assets (ROA) | 1.4562% | 1,249 |
| Pretax return on assets | 1.5074% | 1,655 |
| Return on Equity (ROE) | 6.6600% | 3,600 |
| Retained earnings to average equity (ytd only) | -2.7114% | 4,234 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7383% | 3,631 |
| Assets per employee ($millions) | 10.8134% | 540 |
| Cash dividends to net income (ytd only)* | 140.7035% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 1,728 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.5900% | 3,659 |
| Net loans and leases to deposits | 63.2884% | 3,145 |
| Net loans and leases to core deposits | 65.8814% | 3,236 |
| Total domestic deposits to total assets | 75.1900% | 4,207 |
| Equity capital to assets | 22.4610% | 184 |
| Core capital (leverage) ratio | 25.5681% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3295% | 170 |
| Memoranda: | ||
| Average total assets | $54,664,500 | 4,367 |
| Average earning assets | $52,979,500 | 4,318 |
| Average equity | $11,949,500 | 3,576 |
| Average total loans | $26,587,500 | 4,276 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 3,681 |
| Cost of funding earning assets | 0.2761% | 3,080 |
| Net interest margin | 2.9863% | 3,483 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.6738% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2295% | 1,664 |
| Return on assets (ROA) | 1.2187% | 1,650 |
| Pretax return on assets | 1.2834% | 2,148 |
| Return on Equity (ROE) | 5.1700% | 3,988 |
| Retained earnings to average equity (ytd only) | 0.3636% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3823% | 3,539 |
| Assets per employee ($millions) | 11.0524% | 496 |
| Cash dividends to net income (ytd only)* | 92.9688% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,800 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.3700% | 3,651 |
| Net loans and leases to deposits | 72.8345% | 2,343 |
| Net loans and leases to core deposits | 73.4207% | 2,612 |
| Total domestic deposits to total assets | 66.4100% | 4,529 |
| Equity capital to assets | 21.2714% | 203 |
| Core capital (leverage) ratio | 26.7350% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $52,516,800 | 4,416 |
| Average earning assets | $51,065,800 | 4,362 |
| Average equity | $12,375,200 | 3,635 |
| Average total loans | $24,840,600 | 4,331 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1062% | 3,664 |
| Cost of funding earning assets | 0.1823% | 3,490 |
| Net interest margin | 2.9240% | 3,423 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.5615% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2744% | 1,444 |
| Return on assets (ROA) | 1.2502% | 1,494 |
| Pretax return on assets | 1.3274% | 1,960 |
| Return on Equity (ROE) | 5.1700% | 3,952 |
| Retained earnings to average equity (ytd only) | -1.1598% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.5746% | 3,855 |
| Assets per employee ($millions) | 10.2082% | 614 |
| Cash dividends to net income (ytd only)* | 122.4280% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,284 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.0100% | 3,758 |
| Net loans and leases to deposits | 60.3387% | 3,168 |
| Net loans and leases to core deposits | 60.7964% | 3,325 |
| Total domestic deposits to total assets | 76.2500% | 4,360 |
| Equity capital to assets | 21.6669% | 184 |
| Core capital (leverage) ratio | 26.4679% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,830,500 | 4,452 |
| Average earning assets | $50,478,250 | 4,400 |
| Average equity | $12,530,250 | 3,653 |
| Average total loans | $24,278,500 | 4,374 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8903% | 3,809 |
| Cost of funding earning assets | 0.1262% | 3,893 |
| Net interest margin | 2.7641% | 3,539 |
| Noninterest income to average assets | 0.0614% | 4,605 |
| Noninterest expense to average assets | 1.5933% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0797% | 1,858 |
| Return on assets (ROA) | 1.0404% | 1,990 |
| Pretax return on assets | 1.1172% | 2,342 |
| Return on Equity (ROE) | 4.1626% | 3,994 |
| Retained earnings to average equity (ytd only) | -4.9767% | 4,540 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8801% | 3,576 |
| Assets per employee ($millions) | 10.3222% | 599 |
| Cash dividends to net income (ytd only)* | 219.5572% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.1321% | 3,823 |
| Net loans and leases to deposits | 57.4336% | 3,275 |
| Net loans and leases to core deposits | 57.4336% | 3,465 |
| Total domestic deposits to total assets | 76.8402% | 4,420 |
| Equity capital to assets | 23.1152% | 114 |
| Core capital (leverage) ratio | 26.0754% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,093,667 | 4,491 |
| Average earning assets | $50,721,000 | 4,453 |
| Average equity | $13,020,667 | 3,678 |
| Average total loans | $24,424,667 | 4,421 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7726% | 3,797 |
| Cost of funding earning assets | 0.1024% | 4,104 |
| Net interest margin | 2.6702% | 3,477 |
| Noninterest income to average assets | 0.0688% | 4,610 |
| Noninterest expense to average assets | 1.7655% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8144% | 2,617 |
| Return on assets (ROA) | 0.7796% | 2,724 |
| Pretax return on assets | 0.8560% | 2,921 |
| Return on Equity (ROE) | 3.0075% | 4,086 |
| Retained earnings to average equity (ytd only) | -14.5363% | 4,637 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3793% | 2,718 |
| Assets per employee ($millions) | 10.3576% | 624 |
| Cash dividends to net income (ytd only)* | 583.3333% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.0097% | 3,879 |
| Net loans and leases to deposits | 55.4943% | 3,306 |
| Net loans and leases to core deposits | 55.4943% | 3,491 |
| Total domestic deposits to total assets | 75.7009% | 4,514 |
| Equity capital to assets | 24.2373% | 94 |
| Core capital (leverage) ratio | 25.5090% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0720% | 132 |
| Memoranda: | ||
| Average total assets | $52,335,000 | 4,516 |
| Average earning assets | $50,783,000 | 4,477 |
| Average equity | $13,566,000 | 3,696 |
| Average total loans | $25,069,500 | 4,427 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 3,223 |
| Cost of funding earning assets | 0.1476% | 4,000 |
| Net interest margin | 3.1504% | 2,738 |
| Noninterest income to average assets | 0.0668% | 4,687 |
| Noninterest expense to average assets | 1.6742% | 4,333 |
| Loan and lease loss provision to assets | -0.7591% | 4,824 |
| Net operating income to assets | 2.1471% | 268 |
| Return on assets (ROA) | 2.1863% | 263 |
| Pretax return on assets | 2.2592% | 370 |
| Return on Equity (ROE) | 7.6008% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.5330% | 3,409 |
| Net charge-offs to loans | 0.0039% | 2,466 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,284 |
| Earnings coverage of net charge-offs (x) | 721.0000% | 205 |
| Efficiency ratio | 53.4238% | 3,989 |
| Assets per employee ($millions) | 10.5544% | 573 |
| Cash dividends to net income (ytd only)* | 53.5185% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.4274% | 3,009 |
| Net loans and leases to deposits | 75.2495% | 1,625 |
| Net loans and leases to core deposits | 75.2495% | 1,978 |
| Total domestic deposits to total assets | 69.6714% | 4,692 |
| Equity capital to assets | 27.4274% | 73 |
| Core capital (leverage) ratio | 27.6600% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,397,400 | 4,570 |
| Average earning assets | $48,089,600 | 4,532 |
| Average equity | $14,209,000 | 3,719 |
| Average total loans | $25,336,800 | 4,467 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 2,974 |
| Cost of funding earning assets | 0.1576% | 4,036 |
| Net interest margin | 3.2877% | 2,451 |
| Noninterest income to average assets | 0.0714% | 4,753 |
| Noninterest expense to average assets | 1.4719% | 4,620 |
| Loan and lease loss provision to assets | -1.0298% | 4,907 |
| Net operating income to assets | 2.7554% | 160 |
| Return on assets (ROA) | 2.7927% | 153 |
| Pretax return on assets | 2.8751% | 207 |
| Return on Equity (ROE) | 9.5877% | 2,888 |
| Retained earnings to average equity (ytd only) | 4.1386% | 3,530 |
| Net charge-offs to loans | 0.0054% | 2,135 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,259 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 244 |
| Efficiency ratio | 44.8911% | 4,546 |
| Assets per employee ($millions) | 9.9908% | 639 |
| Cash dividends to net income (ytd only)* | 56.8338% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 1,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.8993% | 3,875 |
| Net loans and leases to deposits | 63.4179% | 2,914 |
| Net loans and leases to core deposits | 63.4179% | 3,185 |
| Total domestic deposits to total assets | 70.7991% | 4,715 |
| Equity capital to assets | 29.1568% | 72 |
| Core capital (leverage) ratio | 29.0620% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.5911% | 115 |
| Memoranda: | ||
| Average total assets | $48,553,750 | 4,645 |
| Average earning assets | $47,367,500 | 4,601 |
| Average equity | $14,142,750 | 3,775 |
| Average total loans | $24,664,750 | 4,539 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0691% | 3,925 |
| Cost of funding earning assets | 0.1750% | 3,993 |
| Net interest margin | 2.8941% | 3,587 |
| Noninterest income to average assets | 0.0665% | 4,798 |
| Noninterest expense to average assets | 1.4557% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3501% | 1,708 |
| Return on assets (ROA) | 1.3891% | 1,662 |
| Pretax return on assets | 1.4723% | 2,104 |
| Return on Equity (ROE) | 4.7707% | 4,176 |
| Retained earnings to average equity (ytd only) | -3.4852% | 4,737 |
| Net charge-offs to loans | 0.0079% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 340 |
| Efficiency ratio | 50.4323% | 4,199 |
| Assets per employee ($millions) | 9.8516% | 638 |
| Cash dividends to net income (ytd only)* | 173.0539% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.1883% | 3,807 |
| Net loans and leases to deposits | 65.7706% | 2,839 |
| Net loans and leases to core deposits | 65.7706% | 3,134 |
| Total domestic deposits to total assets | 71.7467% | 4,715 |
| Equity capital to assets | 28.2086% | 71 |
| Core capital (leverage) ratio | 27.9279% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,087,000 | 4,674 |
| Average earning assets | $46,854,000 | 4,633 |
| Average equity | $14,002,000 | 3,792 |
| Average total loans | $25,290,667 | 4,561 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9931% | 4,103 |
| Cost of funding earning assets | 0.1990% | 3,923 |
| Net interest margin | 2.7942% | 3,779 |
| Noninterest income to average assets | 1.1031% | 977 |
| Noninterest expense to average assets | 1.5663% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1759% | 436 |
| Return on assets (ROA) | 2.2568% | 409 |
| Pretax return on assets | 2.3410% | 563 |
| Return on Equity (ROE) | 7.6269% | 3,433 |
| Retained earnings to average equity (ytd only) | -8.8222% | 4,798 |
| Net charge-offs to loans | 0.0154% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 327 |
| Efficiency ratio | 40.9692% | 4,716 |
| Assets per employee ($millions) | 9.4784% | 703 |
| Cash dividends to net income (ytd only)* | 215.6716% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8296% | 176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.1144% | 3,332 |
| Net loans and leases to deposits | 74.9836% | 2,025 |
| Net loans and leases to core deposits | 74.9836% | 2,432 |
| Total domestic deposits to total assets | 70.8347% | 4,752 |
| Equity capital to assets | 29.1167% | 69 |
| Core capital (leverage) ratio | 28.1621% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7177% | 134 |
| Memoranda: | ||
| Average total assets | $47,501,500 | 4,704 |
| Average earning assets | $46,239,000 | 4,656 |
| Average equity | $14,055,500 | 3,791 |
| Average total loans | $25,947,500 | 4,576 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 3,566 |
| Cost of funding earning assets | 0.3444% | 3,898 |
| Net interest margin | 3.3595% | 2,902 |
| Noninterest income to average assets | 0.1270% | 4,642 |
| Noninterest expense to average assets | 1.7761% | 4,511 |
| Loan and lease loss provision to assets | 0.0022% | 4,303 |
| Net operating income to assets | 1.5313% | 743 |
| Return on assets (ROA) | 1.6224% | 662 |
| Pretax return on assets | 1.7048% | 848 |
| Return on Equity (ROE) | 5.1803% | 3,854 |
| Retained earnings to average equity (ytd only) | 0.3629% | 4,406 |
| Net charge-offs to loans | 0.0038% | 3,229 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 723.0000% | 163 |
| Efficiency ratio | 52.4342% | 4,356 |
| Assets per employee ($millions) | 9.5222% | 619 |
| Cash dividends to net income (ytd only)* | 92.9945% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8242% | 177 |
| Loan loss allowance to noncurrent loans | 73,400.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,471 |
| Noncurrent loans to loans | 0.0038% | 4,391 |
| Net loans and leases to total assets | 53.0466% | 3,575 |
| Net loans and leases to deposits | 75.9100% | 2,291 |
| Net loans and leases to core deposits | 77.7802% | 2,571 |
| Total domestic deposits to total assets | 69.8809% | 4,777 |
| Equity capital to assets | 30.0603% | 65 |
| Core capital (leverage) ratio | 29.7432% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6872% | 105 |
| Memoranda: | ||
| Average total assets | $44,872,600 | 4,707 |
| Average earning assets | $43,547,800 | 4,678 |
| Average equity | $14,053,200 | 3,753 |
| Average total loans | $26,177,400 | 4,599 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 3,249 |
| Cost of funding earning assets | 0.3730% | 3,946 |
| Net interest margin | 3.5282% | 2,489 |
| Noninterest income to average assets | 0.1509% | 4,545 |
| Noninterest expense to average assets | 1.6324% | 4,703 |
| Loan and lease loss provision to assets | 0.0023% | 4,226 |
| Net operating income to assets | 1.8344% | 422 |
| Return on assets (ROA) | 1.9462% | 363 |
| Pretax return on assets | 2.0578% | 461 |
| Return on Equity (ROE) | 6.1478% | 3,506 |
| Retained earnings to average equity (ytd only) | -0.3050% | 4,528 |
| Net charge-offs to loans | 0.0051% | 2,959 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 644.0000% | 192 |
| Efficiency ratio | 45.6540% | 4,733 |
| Assets per employee ($millions) | 8.7718% | 756 |
| Cash dividends to net income (ytd only)* | 104.9612% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9528% | 144 |
| Loan loss allowance to noncurrent loans | 5,242.8571% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,299 |
| Noncurrent loans to loans | 0.0563% | 4,148 |
| Net loans and leases to total assets | 55.0035% | 3,710 |
| Net loans and leases to deposits | 81.4450% | 2,152 |
| Net loans and leases to core deposits | 83.7058% | 2,507 |
| Total domestic deposits to total assets | 67.5346% | 4,823 |
| Equity capital to assets | 32.3788% | 56 |
| Core capital (leverage) ratio | 31.2372% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.4775% | 109 |
| Memoranda: | ||
| Average total assets | $44,188,000 | 4,742 |
| Average earning assets | $42,891,000 | 4,709 |
| Average equity | $13,988,500 | 3,764 |
| Average total loans | $26,224,250 | 4,621 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,235 |
| Cost of funding earning assets | 0.4046% | 4,019 |
| Net interest margin | 3.6320% | 2,374 |
| Noninterest income to average assets | 0.1806% | 4,380 |
| Noninterest expense to average assets | 1.6570% | 4,726 |
| Loan and lease loss provision to assets | 0.0045% | 4,112 |
| Net operating income to assets | 1.9412% | 374 |
| Return on assets (ROA) | 2.1085% | 289 |
| Pretax return on assets | 2.2213% | 354 |
| Return on Equity (ROE) | 6.7109% | 3,247 |
| Retained earnings to average equity (ytd only) | -3.0177% | 4,657 |
| Net charge-offs to loans | 0.0075% | 2,682 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 220 |
| Efficiency ratio | 44.7016% | 4,786 |
| Assets per employee ($millions) | 10.8353% | 401 |
| Cash dividends to net income (ytd only)* | 144.9679% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7467% | 175 |
| Loan loss allowance to noncurrent loans | 73,400.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,587 |
| Noncurrent loans to loans | 0.0037% | 4,509 |
| Net loans and leases to total assets | 59.9640% | 3,333 |
| Net loans and leases to deposits | 88.7481% | 1,477 |
| Net loans and leases to core deposits | 91.2407% | 1,961 |
| Total domestic deposits to total assets | 67.5665% | 4,852 |
| Equity capital to assets | 32.3550% | 52 |
| Core capital (leverage) ratio | 31.4871% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1004% | 139 |
| Memoranda: | ||
| Average total assets | $44,297,667 | 4,761 |
| Average earning assets | $43,006,667 | 4,726 |
| Average equity | $13,917,667 | 3,779 |
| Average total loans | $26,679,667 | 4,628 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 3,265 |
| Cost of funding earning assets | 0.4600% | 4,114 |
| Net interest margin | 3.7259% | 2,233 |
| Noninterest income to average assets | 0.0715% | 4,916 |
| Noninterest expense to average assets | 1.8671% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7148% | 499 |
| Return on assets (ROA) | 1.8492% | 414 |
| Pretax return on assets | 1.9653% | 491 |
| Return on Equity (ROE) | 5.9719% | 3,330 |
| Retained earnings to average equity (ytd only) | -13.5593% | 4,865 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6053% | 4,630 |
| Assets per employee ($millions) | 8.4580% | 633 |
| Cash dividends to net income (ytd only)* | 327.0531% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6690% | 200 |
| Loan loss allowance to noncurrent loans | 24,466.6667% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,612 |
| Noncurrent loans to loans | 0.0109% | 4,535 |
| Net loans and leases to total assets | 63.2939% | 3,153 |
| Net loans and leases to deposits | 94.0579% | 1,073 |
| Net loans and leases to core deposits | 98.9611% | 1,557 |
| Total domestic deposits to total assets | 67.2925% | 4,941 |
| Equity capital to assets | 32.2724% | 60 |
| Core capital (leverage) ratio | 30.3021% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8827% | 134 |
| Memoranda: | ||
| Average total assets | $44,776,000 | 4,788 |
| Average earning assets | $43,480,000 | 4,750 |
| Average equity | $13,865,000 | 3,784 |
| Average total loans | $26,658,000 | 4,664 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 3,087 |
| Cost of funding earning assets | 0.6172% | 3,571 |
| Net interest margin | 3.8432% | 2,363 |
| Noninterest income to average assets | 0.0818% | 4,968 |
| Noninterest expense to average assets | 1.7783% | 4,795 |
| Loan and lease loss provision to assets | 0.0431% | 3,145 |
| Net operating income to assets | 1.8882% | 440 |
| Return on assets (ROA) | 1.8902% | 457 |
| Pretax return on assets | 1.9893% | 612 |
| Return on Equity (ROE) | 6.4289% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.1235% | 3,934 |
| Net charge-offs to loans | 0.0732% | 2,047 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 47.1500% | 1,177 |
| Efficiency ratio | 46.6930% | 4,889 |
| Assets per employee ($millions) | 9.4524% | 423 |
| Cash dividends to net income (ytd only)* | 66.9704% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8433% | 146 |
| Loan loss allowance to noncurrent loans | 316.3793% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 2,448 |
| Noncurrent loans to loans | 0.8987% | 1,713 |
| Net loans and leases to total assets | 53.0680% | 4,139 |
| Net loans and leases to deposits | 75.7048% | 3,210 |
| Net loans and leases to core deposits | 79.5616% | 3,336 |
| Total domestic deposits to total assets | 70.0986% | 4,934 |
| Equity capital to assets | 29.7956% | 74 |
| Core capital (leverage) ratio | 29.7614% | 71 |
| Tier 1 risk-based capital ratio | 38.6270% | 262 |
| Total risk-based capital ratio | 39.8848% | 257 |
| Memoranda: | ||
| Average total assets | $46,449,600 | 4,808 |
| Average earning assets | $45,040,800 | 4,766 |
| Average equity | $13,657,000 | 3,795 |
| Average total loans | $27,314,400 | 4,701 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 2,747 |
| Cost of funding earning assets | 0.6362% | 3,511 |
| Net interest margin | 3.9572% | 2,078 |
| Noninterest income to average assets | 0.0894% | 5,020 |
| Noninterest expense to average assets | 1.5914% | 5,009 |
| Loan and lease loss provision to assets | 0.0577% | 2,746 |
| Net operating income to assets | 2.1767% | 280 |
| Return on assets (ROA) | 2.1767% | 295 |
| Pretax return on assets | 2.2776% | 392 |
| Return on Equity (ROE) | 7.4287% | 3,537 |
| Retained earnings to average equity (ytd only) | 1.6432% | 4,384 |
| Net charge-offs to loans | 0.0963% | 1,510 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 40.4938% | 1,370 |
| Efficiency ratio | 40.5286% | 5,110 |
| Assets per employee ($millions) | 9.1836% | 448 |
| Cash dividends to net income (ytd only)* | 77.8809% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 52.9662% | 4,257 |
| Net loans and leases to deposits | 76.1721% | 3,277 |
| Net loans and leases to core deposits | 80.1985% | 3,378 |
| Total domestic deposits to total assets | 69.5348% | 5,013 |
| Equity capital to assets | 30.3672% | 69 |
| Core capital (leverage) ratio | 29.5321% | 72 |
| Tier 1 risk-based capital ratio | 41.5404% | 222 |
| Total risk-based capital ratio | 42.7993% | 217 |
| Memoranda: | ||
| Average total assets | $46,246,500 | 4,885 |
| Average earning assets | $44,845,750 | 4,838 |
| Average equity | $13,550,750 | 3,851 |
| Average total loans | $27,689,250 | 4,756 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 2,592 |
| Cost of funding earning assets | 0.6373% | 3,473 |
| Net interest margin | 3.9888% | 1,956 |
| Noninterest income to average assets | 0.0906% | 5,073 |
| Noninterest expense to average assets | 1.5575% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2910% | 222 |
| Return on assets (ROA) | 2.2910% | 231 |
| Pretax return on assets | 2.3945% | 287 |
| Return on Equity (ROE) | 7.9138% | 3,324 |
| Retained earnings to average equity (ytd only) | -0.8495% | 4,811 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4105% | 5,177 |
| Assets per employee ($millions) | 9.3254% | 414 |
| Cash dividends to net income (ytd only)* | 110.7345% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6492% | 184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.8463% | 3,931 |
| Net loans and leases to deposits | 82.0092% | 2,732 |
| Net loans and leases to core deposits | 92.0892% | 2,408 |
| Total domestic deposits to total assets | 70.5364% | 5,026 |
| Equity capital to assets | 29.2792% | 76 |
| Core capital (leverage) ratio | 28.2807% | 82 |
| Tier 1 risk-based capital ratio | 38.2254% | 268 |
| Total risk-based capital ratio | 39.4849% | 260 |
| Memoranda: | ||
| Average total assets | $46,356,000 | 4,921 |
| Average earning assets | $44,876,000 | 4,877 |
| Average equity | $13,419,670 | 3,869 |
| Average total loans | $28,567,330 | 4,775 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 2,554 |
| Cost of funding earning assets | 0.6088% | 3,520 |
| Net interest margin | 3.9839% | 1,895 |
| Noninterest income to average assets | 0.0952% | 5,100 |
| Noninterest expense to average assets | 1.6183% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2241% | 265 |
| Return on assets (ROA) | 2.2241% | 274 |
| Pretax return on assets | 2.3280% | 340 |
| Return on Equity (ROE) | 7.7273% | 3,363 |
| Retained earnings to average equity (ytd only) | -9.9523% | 5,105 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0088% | 5,187 |
| Assets per employee ($millions) | 7.7685% | 732 |
| Cash dividends to net income (ytd only)* | 228.7938% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.1506% | 3,488 |
| Net loans and leases to deposits | 90.3756% | 1,582 |
| Net loans and leases to core deposits | 99.7074% | 1,648 |
| Total domestic deposits to total assets | 68.7692% | 5,149 |
| Equity capital to assets | 28.3946% | 77 |
| Core capital (leverage) ratio | 28.2513% | 81 |
| Tier 1 risk-based capital ratio | 37.6067% | 265 |
| Total risk-based capital ratio | 38.8657% | 261 |
| Memoranda: | ||
| Average total assets | $46,220,500 | 4,975 |
| Average earning assets | $44,680,000 | 4,926 |
| Average equity | $13,303,500 | 3,904 |
| Average total loans | $28,998,000 | 4,813 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,953 |
| Cost of funding earning assets | 0.5575% | 3,000 |
| Net interest margin | 3.7844% | 2,725 |
| Noninterest income to average assets | 0.0866% | 5,189 |
| Noninterest expense to average assets | 1.6274% | 5,153 |
| Loan and lease loss provision to assets | 0.9738% | 90 |
| Net operating income to assets | 1.0521% | 2,795 |
| Return on assets (ROA) | 1.0561% | 2,763 |
| Pretax return on assets | 1.1621% | 3,053 |
| Return on Equity (ROE) | 3.7422% | 4,770 |
| Retained earnings to average equity (ytd only) | -0.8742% | 5,077 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2930% | 5,203 |
| Assets per employee ($millions) | 7.6383% | 755 |
| Cash dividends to net income (ytd only)* | 123.3607% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5943% | 207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.1331% | 3,757 |
| Net loans and leases to deposits | 90.1711% | 1,776 |
| Net loans and leases to core deposits | 97.8553% | 1,875 |
| Total domestic deposits to total assets | 66.6878% | 5,233 |
| Equity capital to assets | 29.1774% | 72 |
| Core capital (leverage) ratio | 29.6148% | 74 |
| Tier 1 risk-based capital ratio | 40.0436% | 235 |
| Total risk-based capital ratio | 41.3045% | 231 |
| Memoranda: | ||
| Average total assets | $46,208,600 | 5,015 |
| Average earning assets | $44,842,400 | 4,960 |
| Average equity | $13,040,400 | 3,874 |
| Average total loans | $28,521,600 | 4,858 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 3,018 |
| Cost of funding earning assets | 0.5302% | 2,993 |
| Net interest margin | 3.7556% | 2,806 |
| Noninterest income to average assets | 0.0893% | 5,245 |
| Noninterest expense to average assets | 1.4887% | 5,285 |
| Loan and lease loss provision to assets | 2.7355% | 25 |
| Net operating income to assets | -0.5845% | 5,398 |
| Return on assets (ROA) | -0.5817% | 5,391 |
| Pretax return on assets | -0.4809% | 5,379 |
| Return on Equity (ROE) | -2.0786% | 5,354 |
| Retained earnings to average equity (ytd only) | -7.9643% | 5,363 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7998% | 5,340 |
| Assets per employee ($millions) | 7.5292% | 763 |
| Cash dividends to net income (ytd only)* | -283.1656% | 5,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3457% | 51 |
| Loan loss allowance to noncurrent loans | 123,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,024 |
| Noncurrent loans to loans | 0.0035% | 4,927 |
| Net loans and leases to total assets | 60.1262% | 3,826 |
| Net loans and leases to deposits | 94.3912% | 1,335 |
| Net loans and leases to core deposits | 102.9800% | 1,533 |
| Total domestic deposits to total assets | 63.6989% | 5,353 |
| Equity capital to assets | 27.8428% | 80 |
| Core capital (leverage) ratio | 27.6034% | 85 |
| Tier 1 risk-based capital ratio | 38.8390% | 251 |
| Total risk-based capital ratio | 40.1183% | 247 |
| Memoranda: | ||
| Average total assets | $46,303,250 | 5,062 |
| Average earning assets | $45,016,000 | 5,008 |
| Average equity | $12,957,500 | 3,918 |
| Average total loans | $28,578,750 | 4,909 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,294 |
| Cost of funding earning assets | 0.4772% | 3,177 |
| Net interest margin | 3.6689% | 3,047 |
| Noninterest income to average assets | 0.0851% | 5,310 |
| Noninterest expense to average assets | 1.5108% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0429% | 344 |
| Return on assets (ROA) | 2.0470% | 339 |
| Pretax return on assets | 2.1449% | 440 |
| Return on Equity (ROE) | 7.1787% | 3,843 |
| Retained earnings to average equity (ytd only) | -1.3581% | 5,104 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3753% | 5,369 |
| Assets per employee ($millions) | 7.6923% | 709 |
| Cash dividends to net income (ytd only)* | 118.9189% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 60.1010% | 3,796 |
| Net loans and leases to deposits | 92.6765% | 1,510 |
| Net loans and leases to core deposits | 105.3473% | 1,291 |
| Total domestic deposits to total assets | 64.8503% | 5,399 |
| Equity capital to assets | 28.8339% | 75 |
| Core capital (leverage) ratio | 29.3151% | 73 |
| Tier 1 risk-based capital ratio | 40.0895% | 225 |
| Total risk-based capital ratio | 40.9257% | 231 |
| Memoranda: | ||
| Average total assets | $46,996,000 | 5,110 |
| Average earning assets | $45,681,330 | 5,052 |
| Average equity | $13,400,670 | 3,886 |
| Average total loans | $28,639,670 | 4,957 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,245 |
| Cost of funding earning assets | 0.4601% | 3,131 |
| Net interest margin | 3.6375% | 3,039 |
| Noninterest income to average assets | 0.0928% | 5,356 |
| Noninterest expense to average assets | 1.4847% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0415% | 334 |
| Return on assets (ROA) | 2.0415% | 337 |
| Pretax return on assets | 2.1427% | 425 |
| Return on Equity (ROE) | 7.1986% | 3,700 |
| Retained earnings to average equity (ytd only) | -9.8163% | 5,369 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9302% | 5,437 |
| Assets per employee ($millions) | 7.8327% | 665 |
| Cash dividends to net income (ytd only)* | 236.3636% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.4243% | 3,708 |
| Net loans and leases to deposits | 89.5748% | 1,738 |
| Net loans and leases to core deposits | 104.8479% | 1,317 |
| Total domestic deposits to total assets | 67.4568% | 5,434 |
| Equity capital to assets | 27.9747% | 76 |
| Core capital (leverage) ratio | 28.1257% | 77 |
| Tier 1 risk-based capital ratio | 38.7261% | 244 |
| Total risk-based capital ratio | 39.5483% | 248 |
| Memoranda: | ||
| Average total assets | $47,417,000 | 5,157 |
| Average earning assets | $46,076,000 | 5,100 |
| Average equity | $13,447,000 | 3,907 |
| Average total loans | $28,948,000 | 4,994 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,454 |
| Cost of funding earning assets | 0.3770% | 3,448 |
| Net interest margin | 3.6077% | 3,138 |
| Noninterest income to average assets | 0.1088% | 5,377 |
| Noninterest expense to average assets | 1.6149% | 5,408 |
| Loan and lease loss provision to assets | 0.1344% | 1,706 |
| Net operating income to assets | 1.7709% | 455 |
| Return on assets (ROA) | 1.7770% | 462 |
| Pretax return on assets | 1.8773% | 637 |
| Return on Equity (ROE) | 6.1854% | 3,682 |
| Retained earnings to average equity (ytd only) | 1.6410% | 4,324 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6081% | 5,435 |
| Assets per employee ($millions) | 7.9730% | 643 |
| Cash dividends to net income (ytd only)* | 73.4694% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.4770% | 3,785 |
| Net loans and leases to deposits | 91.4409% | 1,595 |
| Net loans and leases to core deposits | 105.1119% | 1,337 |
| Total domestic deposits to total assets | 66.1378% | 5,514 |
| Equity capital to assets | 28.7366% | 71 |
| Core capital (leverage) ratio | 29.6757% | 62 |
| Tier 1 risk-based capital ratio | 39.8790% | 218 |
| Total risk-based capital ratio | 40.7053% | 220 |
| Memoranda: | ||
| Average total assets | $46,876,400 | 5,214 |
| Average earning assets | $45,624,600 | 5,155 |
| Average equity | $13,467,200 | 3,919 |
| Average total loans | $27,775,800 | 5,069 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,279 |
| Cost of funding earning assets | 0.3761% | 3,414 |
| Net interest margin | 3.6434% | 2,982 |
| Noninterest income to average assets | 0.1144% | 5,424 |
| Noninterest expense to average assets | 1.4524% | 5,552 |
| Loan and lease loss provision to assets | 0.1801% | 1,110 |
| Net operating income to assets | 1.9213% | 368 |
| Return on assets (ROA) | 1.9241% | 372 |
| Pretax return on assets | 2.0298% | 516 |
| Return on Equity (ROE) | 6.6977% | 3,812 |
| Retained earnings to average equity (ytd only) | 0.6071% | 5,088 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6875% | 5,586 |
| Assets per employee ($millions) | 6.4286% | 1,224 |
| Cash dividends to net income (ytd only)* | 90.9362% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.2178% | 4,039 |
| Net loans and leases to deposits | 85.0584% | 2,425 |
| Net loans and leases to core deposits | 96.0091% | 2,076 |
| Total domestic deposits to total assets | 68.4444% | 5,524 |
| Equity capital to assets | 30.4289% | 61 |
| Core capital (leverage) ratio | 29.0235% | 63 |
| Tier 1 risk-based capital ratio | 42.4498% | 193 |
| Total risk-based capital ratio | 43.3397% | 194 |
| Memoranda: | ||
| Average total assets | $46,636,000 | 5,276 |
| Average earning assets | $45,377,500 | 5,221 |
| Average equity | $13,397,250 | 3,972 |
| Average total loans | $27,416,000 | 5,140 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,378 |
| Cost of funding earning assets | 0.3356% | 3,743 |
| Net interest margin | 3.6129% | 2,986 |
| Noninterest income to average assets | 0.1145% | 5,466 |
| Noninterest expense to average assets | 1.4158% | 5,616 |
| Loan and lease loss provision to assets | 0.2671% | 607 |
| Net operating income to assets | 1.8442% | 415 |
| Return on assets (ROA) | 1.8482% | 425 |
| Pretax return on assets | 1.9499% | 587 |
| Return on Equity (ROE) | 6.5570% | 3,797 |
| Retained earnings to average equity (ytd only) | -2.6469% | 5,393 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0187% | 5,646 |
| Assets per employee ($millions) | 6.8453% | 989 |
| Cash dividends to net income (ytd only)* | 140.3670% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.9558% | 3,847 |
| Net loans and leases to deposits | 91.8035% | 1,528 |
| Net loans and leases to core deposits | 97.1099% | 1,880 |
| Total domestic deposits to total assets | 65.3088% | 5,645 |
| Equity capital to assets | 28.1487% | 66 |
| Core capital (leverage) ratio | 27.8720% | 68 |
| Tier 1 risk-based capital ratio | 38.2482% | 239 |
| Total risk-based capital ratio | 39.0643% | 242 |
| Memoranda: | ||
| Average total assets | $47,181,330 | 5,304 |
| Average earning assets | $45,891,000 | 5,240 |
| Average equity | $13,298,670 | 3,994 |
| Average total loans | $27,727,330 | 5,171 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 3,468 |
| Cost of funding earning assets | 0.3166% | 3,886 |
| Net interest margin | 3.5622% | 3,035 |
| Noninterest income to average assets | 0.1025% | 5,582 |
| Noninterest expense to average assets | 1.4782% | 5,644 |
| Loan and lease loss provision to assets | 0.5383% | 186 |
| Net operating income to assets | 1.4440% | 904 |
| Return on assets (ROA) | 1.4440% | 929 |
| Pretax return on assets | 1.5466% | 1,386 |
| Return on Equity (ROE) | 5.1197% | 4,335 |
| Retained earnings to average equity (ytd only) | -13.4202% | 5,645 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4868% | 5,659 |
| Assets per employee ($millions) | 6.6909% | 1,083 |
| Cash dividends to net income (ytd only)* | 362.1302% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 4,163 |
| Loan loss allowance to noncurrent loans | 28,400.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,375 |
| Noncurrent loans to loans | 0.0036% | 5,257 |
| Net loans and leases to total assets | 58.8607% | 3,900 |
| Net loans and leases to deposits | 84.5904% | 2,212 |
| Net loans and leases to core deposits | 89.2688% | 2,425 |
| Total domestic deposits to total assets | 69.5832% | 5,643 |
| Equity capital to assets | 27.8418% | 68 |
| Core capital (leverage) ratio | 27.6916% | 70 |
| Tier 1 risk-based capital ratio | 39.0357% | 237 |
| Total risk-based capital ratio | 39.8857% | 238 |
| Memoranda: | ||
| Average total assets | $46,813,500 | 5,374 |
| Average earning assets | $45,478,000 | 5,305 |
| Average equity | $13,204,000 | 4,031 |
| Average total loans | $27,084,500 | 5,238 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,288 |
| Cost of funding earning assets | 0.3013% | 4,050 |
| Net interest margin | 3.3760% | 3,908 |
| Noninterest income to average assets | 0.1036% | 5,636 |
| Noninterest expense to average assets | 1.5392% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7665% | 471 |
| Return on assets (ROA) | 1.8728% | 404 |
| Pretax return on assets | 1.9722% | 535 |
| Return on Equity (ROE) | 6.7271% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.3664% | 4,178 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2773% | 5,662 |
| Assets per employee ($millions) | 6.6844% | 1,056 |
| Cash dividends to net income (ytd only)* | 64.8230% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.7714% | 4,286 |
| Net loans and leases to deposits | 81.2074% | 2,762 |
| Net loans and leases to core deposits | 85.7575% | 2,872 |
| Total domestic deposits to total assets | 68.6777% | 5,698 |
| Equity capital to assets | 28.5696% | 68 |
| Core capital (leverage) ratio | 29.0847% | 66 |
| Tier 1 risk-based capital ratio | 41.6672% | 204 |
| Total risk-based capital ratio | 42.3500% | 207 |
| Memoranda: | ||
| Average total assets | $48,270,600 | 5,381 |
| Average earning assets | $47,127,000 | 5,307 |
| Average equity | $13,438,200 | 4,037 |
| Average total loans | $26,676,200 | 5,303 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,326 |
| Cost of funding earning assets | 0.2967% | 4,142 |
| Net interest margin | 3.3810% | 3,916 |
| Noninterest income to average assets | 0.1069% | 5,686 |
| Noninterest expense to average assets | 1.3980% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9300% | 383 |
| Return on assets (ROA) | 2.0668% | 322 |
| Pretax return on assets | 2.1628% | 416 |
| Return on Equity (ROE) | 7.4712% | 3,318 |
| Retained earnings to average equity (ytd only) | 1.6646% | 4,845 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8982% | 5,810 |
| Assets per employee ($millions) | 6.4797% | 1,122 |
| Cash dividends to net income (ytd only)* | 77.7183% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 5,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.7790% | 4,019 |
| Net loans and leases to deposits | 85.5589% | 2,306 |
| Net loans and leases to core deposits | 90.4959% | 2,529 |
| Total domestic deposits to total assets | 68.7001% | 5,751 |
| Equity capital to assets | 30.3342% | 64 |
| Core capital (leverage) ratio | 28.6654% | 65 |
| Tier 1 risk-based capital ratio | 41.0831% | 209 |
| Total risk-based capital ratio | 41.7640% | 212 |
| Memoranda: | ||
| Average total assets | $48,640,500 | 5,427 |
| Average earning assets | $47,637,000 | 5,347 |
| Average equity | $13,455,750 | 4,063 |
| Average total loans | $26,766,000 | 5,354 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 4,638 |
| Cost of funding earning assets | 0.2834% | 4,310 |
| Net interest margin | 3.3022% | 4,226 |
| Noninterest income to average assets | 0.0885% | 5,816 |
| Noninterest expense to average assets | 1.3874% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8501% | 441 |
| Return on assets (ROA) | 2.0509% | 313 |
| Pretax return on assets | 2.1434% | 426 |
| Return on Equity (ROE) | 7.6378% | 3,180 |
| Retained earnings to average equity (ytd only) | -1.1382% | 5,454 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7676% | 5,868 |
| Assets per employee ($millions) | 6.6671% | 1,018 |
| Cash dividends to net income (ytd only)* | 114.9020% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 5,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.0336% | 4,010 |
| Net loans and leases to deposits | 84.2744% | 2,432 |
| Net loans and leases to core deposits | 86.9336% | 2,827 |
| Total domestic deposits to total assets | 70.0493% | 5,781 |
| Equity capital to assets | 28.9629% | 63 |
| Core capital (leverage) ratio | 27.9675% | 67 |
| Tier 1 risk-based capital ratio | 38.7688% | 250 |
| Total risk-based capital ratio | 39.4232% | 259 |
| Memoranda: | ||
| Average total assets | $49,734,670 | 5,467 |
| Average earning assets | $48,694,670 | 5,387 |
| Average equity | $13,354,670 | 4,098 |
| Average total loans | $26,727,330 | 5,414 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4490% | 5,006 |
| Cost of funding earning assets | 0.2708% | 4,488 |
| Net interest margin | 3.1781% | 4,648 |
| Noninterest income to average assets | 0.0858% | 5,866 |
| Noninterest expense to average assets | 1.3576% | 5,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7636% | 496 |
| Return on assets (ROA) | 2.1456% | 266 |
| Pretax return on assets | 2.2393% | 352 |
| Return on Equity (ROE) | 8.2872% | 2,767 |
| Retained earnings to average equity (ytd only) | -9.3721% | 5,788 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4390% | 5,909 |
| Assets per employee ($millions) | 6.7339% | 995 |
| Cash dividends to net income (ytd only)* | 213.0909% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 5,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.8951% | 4,052 |
| Net loans and leases to deposits | 82.1369% | 2,527 |
| Net loans and leases to core deposits | 82.1369% | 3,120 |
| Total domestic deposits to total assets | 70.4860% | 5,848 |
| Equity capital to assets | 27.8656% | 67 |
| Core capital (leverage) ratio | 26.6786% | 76 |
| Tier 1 risk-based capital ratio | 38.3752% | 261 |
| Total risk-based capital ratio | 39.0348% | 269 |
| Memoranda: | ||
| Average total assets | $51,267,000 | 5,484 |
| Average earning assets | $50,218,000 | 5,399 |
| Average equity | $13,273,500 | 4,119 |
| Average total loans | $26,205,000 | 5,477 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,720 |
| Cost of funding earning assets | 0.2827% | 4,449 |
| Net interest margin | 3.2992% | 4,296 |
| Noninterest income to average assets | 0.0987% | 5,879 |
| Noninterest expense to average assets | 1.5269% | 5,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7024% | 575 |
| Return on assets (ROA) | 1.7445% | 553 |
| Pretax return on assets | 1.8372% | 744 |
| Return on Equity (ROE) | 6.5663% | 3,743 |
| Retained earnings to average equity (ytd only) | 2.3657% | 4,371 |
| Net charge-offs to loans | 0.0037% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 890.0000% | 66 |
| Efficiency ratio | 45.9951% | 5,925 |
| Assets per employee ($millions) | 7.9139% | 577 |
| Cash dividends to net income (ytd only)* | 63.9723% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 5,124 |
| Loan loss allowance to noncurrent loans | 22,100.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,730 |
| Noncurrent loans to loans | 0.0040% | 5,542 |
| Net loans and leases to total assets | 44.5475% | 5,250 |
| Net loans and leases to deposits | 58.8258% | 4,857 |
| Net loans and leases to core deposits | 59.5354% | 5,011 |
| Total domestic deposits to total assets | 75.7279% | 5,476 |
| Equity capital to assets | 24.2107% | 111 |
| Core capital (leverage) ratio | 26.6634% | 71 |
| Tier 1 risk-based capital ratio | 40.0170% | 228 |
| Total risk-based capital ratio | 40.6886% | 234 |
| Memoranda: | ||
| Average total assets | $49,641,800 | 5,552 |
| Average earning assets | $48,465,600 | 5,470 |
| Average equity | $13,188,600 | 4,100 |
| Average total loans | $27,111,000 | 5,476 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,495 |
| Cost of funding earning assets | 0.2920% | 4,427 |
| Net interest margin | 3.3849% | 4,017 |
| Noninterest income to average assets | 0.1051% | 5,941 |
| Noninterest expense to average assets | 1.4466% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8748% | 445 |
| Return on assets (ROA) | 1.9279% | 423 |
| Pretax return on assets | 2.0164% | 581 |
| Return on Equity (ROE) | 7.0763% | 3,582 |
| Retained earnings to average equity (ytd only) | 1.4518% | 5,137 |
| Net charge-offs to loans | 0.0048% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 710.7594% | 107 |
| Efficiency ratio | 42.4513% | 6,078 |
| Assets per employee ($millions) | 6.6276% | 1,015 |
| Cash dividends to net income (ytd only)* | 79.4837% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 5,464 |
| Loan loss allowance to noncurrent loans | 2,762.5000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,728 |
| Noncurrent loans to loans | 0.0297% | 5,506 |
| Net loans and leases to total assets | 57.5130% | 4,197 |
| Net loans and leases to deposits | 82.1111% | 2,636 |
| Net loans and leases to core deposits | 83.3943% | 3,113 |
| Total domestic deposits to total assets | 70.0429% | 5,969 |
| Equity capital to assets | 28.6897% | 68 |
| Core capital (leverage) ratio | 27.5765% | 72 |
| Tier 1 risk-based capital ratio | 39.0900% | 260 |
| Total risk-based capital ratio | 39.7546% | 269 |
| Memoranda: | ||
| Average total assets | $48,203,000 | 5,653 |
| Average earning assets | $47,031,500 | 5,566 |
| Average equity | $13,132,750 | 4,161 |
| Average total loans | $27,664,000 | 5,519 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 4,680 |
| Cost of funding earning assets | 0.2858% | 4,553 |
| Net interest margin | 3.3289% | 4,178 |
| Noninterest income to average assets | 0.0902% | 6,062 |
| Noninterest expense to average assets | 1.4588% | 6,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7908% | 528 |
| Return on assets (ROA) | 1.8686% | 474 |
| Pretax return on assets | 1.9588% | 649 |
| Return on Equity (ROE) | 6.9759% | 3,623 |
| Retained earnings to average equity (ytd only) | -1.4992% | 5,771 |
| Net charge-offs to loans | 0.0072% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 145 |
| Efficiency ratio | 43.7346% | 6,122 |
| Assets per employee ($millions) | 6.7710% | 943 |
| Cash dividends to net income (ytd only)* | 121.4912% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 5,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 56.7736% | 4,246 |
| Net loans and leases to deposits | 79.4221% | 2,860 |
| Net loans and leases to core deposits | 80.6117% | 3,321 |
| Total domestic deposits to total assets | 71.4834% | 5,958 |
| Equity capital to assets | 27.3393% | 74 |
| Core capital (leverage) ratio | 27.0446% | 78 |
| Tier 1 risk-based capital ratio | 39.8264% | 266 |
| Total risk-based capital ratio | 40.5163% | 276 |
| Memoranda: | ||
| Average total assets | $48,806,330 | 5,702 |
| Average earning assets | $47,584,000 | 5,617 |
| Average equity | $13,073,670 | 4,193 |
| Average total loans | $27,917,670 | 5,557 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,856 |
| Cost of funding earning assets | 0.2818% | 4,645 |
| Net interest margin | 3.2578% | 4,391 |
| Noninterest income to average assets | 0.0808% | 6,145 |
| Noninterest expense to average assets | 1.4704% | 6,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6966% | 592 |
| Return on assets (ROA) | 1.6966% | 620 |
| Pretax return on assets | 1.7855% | 888 |
| Return on Equity (ROE) | 6.3968% | 3,833 |
| Retained earnings to average equity (ytd only) | -10.4786% | 6,147 |
| Net charge-offs to loans | 0.0141% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 258 |
| Efficiency ratio | 45.1613% | 6,138 |
| Assets per employee ($millions) | 6.8289% | 928 |
| Cash dividends to net income (ytd only)* | 263.8095% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 5,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.3367% | 4,511 |
| Net loans and leases to deposits | 73.3297% | 3,391 |
| Net loans and leases to core deposits | 75.5012% | 3,640 |
| Total domestic deposits to total assets | 72.7355% | 5,999 |
| Equity capital to assets | 27.1767% | 76 |
| Core capital (leverage) ratio | 26.3272% | 82 |
| Tier 1 risk-based capital ratio | 36.6985% | 315 |
| Total risk-based capital ratio | 37.3467% | 329 |
| Memoranda: | ||
| Average total assets | $49,511,000 | 5,732 |
| Average earning assets | $48,253,500 | 5,652 |
| Average equity | $13,131,500 | 4,213 |
| Average total loans | $28,311,500 | 5,577 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,761 |
| Cost of funding earning assets | 0.3281% | 4,514 |
| Net interest margin | 3.3794% | 4,283 |
| Noninterest income to average assets | 0.1040% | 6,141 |
| Noninterest expense to average assets | 1.5838% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7255% | 550 |
| Return on assets (ROA) | 1.7468% | 535 |
| Pretax return on assets | 1.8386% | 730 |
| Return on Equity (ROE) | 6.8188% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.7157% | 3,571 |
| Net charge-offs to loans | 0.0112% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 187 |
| Efficiency ratio | 46.5827% | 6,244 |
| Assets per employee ($millions) | 7.3171% | 713 |
| Cash dividends to net income (ytd only)* | 45.5076% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 5,954 |
| Loan loss allowance to noncurrent loans | 22,200.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,092 |
| Noncurrent loans to loans | 0.0032% | 5,918 |
| Net loans and leases to total assets | 59.9063% | 3,800 |
| Net loans and leases to deposits | 85.9303% | 1,995 |
| Net loans and leases to core deposits | 89.6983% | 2,312 |
| Total domestic deposits to total assets | 69.7150% | 6,207 |
| Equity capital to assets | 25.9118% | 88 |
| Core capital (leverage) ratio | 26.4581% | 82 |
| Tier 1 risk-based capital ratio | 35.7379% | 322 |
| Total risk-based capital ratio | 36.3550% | 333 |
| Memoranda: | ||
| Average total assets | $49,060,400 | 5,809 |
| Average earning assets | $47,848,800 | 5,726 |
| Average equity | $12,568,200 | 4,267 |
| Average total loans | $26,693,000 | 5,714 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 4,834 |
| Cost of funding earning assets | 0.3375% | 4,498 |
| Net interest margin | 3.3696% | 4,362 |
| Noninterest income to average assets | 0.1127% | 6,195 |
| Noninterest expense to average assets | 1.4262% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9077% | 412 |
| Return on assets (ROA) | 1.9235% | 416 |
| Pretax return on assets | 1.9950% | 582 |
| Return on Equity (ROE) | 7.5314% | 3,432 |
| Retained earnings to average equity (ytd only) | 3.3353% | 4,241 |
| Net charge-offs to loans | 0.0156% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 239.9950% | 278 |
| Efficiency ratio | 41.8886% | 6,418 |
| Assets per employee ($millions) | 6.8009% | 872 |
| Cash dividends to net income (ytd only)* | 55.7146% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,726 |
| Loan loss allowance to noncurrent loans | 4,440.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 6,141 |
| Noncurrent loans to loans | 0.0193% | 5,953 |
| Net loans and leases to total assets | 53.9743% | 4,578 |
| Net loans and leases to deposits | 74.5582% | 3,363 |
| Net loans and leases to core deposits | 76.7863% | 3,658 |
| Total domestic deposits to total assets | 72.3921% | 6,144 |
| Equity capital to assets | 27.1457% | 77 |
| Core capital (leverage) ratio | 26.2409% | 76 |
| Tier 1 risk-based capital ratio | 40.5693% | 232 |
| Total risk-based capital ratio | 41.2785% | 240 |
| Memoranda: | ||
| Average total assets | $48,520,500 | 5,890 |
| Average earning assets | $47,403,250 | 5,806 |
| Average equity | $12,392,250 | 4,310 |
| Average total loans | $25,639,750 | 5,803 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,957 |
| Cost of funding earning assets | 0.3399% | 4,540 |
| Net interest margin | 3.3272% | 4,476 |
| Noninterest income to average assets | 0.0983% | 6,292 |
| Noninterest expense to average assets | 1.4050% | 6,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8731% | 433 |
| Return on assets (ROA) | 1.9007% | 424 |
| Pretax return on assets | 1.9703% | 593 |
| Return on Equity (ROE) | 7.5970% | 3,320 |
| Retained earnings to average equity (ytd only) | 1.2116% | 5,268 |
| Net charge-offs to loans | 0.0235% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 394 |
| Efficiency ratio | 41.9829% | 6,479 |
| Assets per employee ($millions) | 7.0351% | 789 |
| Cash dividends to net income (ytd only)* | 84.0517% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,862 |
| Loan loss allowance to noncurrent loans | 5,550.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,232 |
| Noncurrent loans to loans | 0.0154% | 6,032 |
| Net loans and leases to total assets | 52.2682% | 4,721 |
| Net loans and leases to deposits | 74.3952% | 3,280 |
| Net loans and leases to core deposits | 76.6094% | 3,562 |
| Total domestic deposits to total assets | 70.2575% | 6,345 |
| Equity capital to assets | 25.6894% | 84 |
| Core capital (leverage) ratio | 25.4654% | 83 |
| Tier 1 risk-based capital ratio | 39.0592% | 261 |
| Total risk-based capital ratio | 39.7549% | 269 |
| Memoranda: | ||
| Average total assets | $48,825,330 | 5,929 |
| Average earning assets | $47,667,670 | 5,843 |
| Average equity | $12,215,330 | 4,357 |
| Average total loans | $25,547,330 | 5,854 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 5,075 |
| Cost of funding earning assets | 0.3451% | 4,588 |
| Net interest margin | 3.2829% | 4,612 |
| Noninterest income to average assets | 0.1070% | 6,309 |
| Noninterest expense to average assets | 1.3494% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9006% | 392 |
| Return on assets (ROA) | 1.9006% | 411 |
| Pretax return on assets | 1.9665% | 571 |
| Return on Equity (ROE) | 7.7016% | 3,091 |
| Retained earnings to average equity (ytd only) | -5.3011% | 6,141 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6948% | 6,580 |
| Assets per employee ($millions) | 8.0012% | 480 |
| Cash dividends to net income (ytd only)* | 168.8312% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 6,319 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 50.9342% | 4,804 |
| Net loans and leases to deposits | 70.3938% | 3,549 |
| Net loans and leases to core deposits | 72.4804% | 3,823 |
| Total domestic deposits to total assets | 72.3561% | 6,343 |
| Equity capital to assets | 25.2984% | 96 |
| Core capital (leverage) ratio | 25.0481% | 89 |
| Tier 1 risk-based capital ratio | 39.9876% | 235 |
| Total risk-based capital ratio | 40.7233% | 239 |
| Memoranda: | ||
| Average total assets | $48,615,000 | 5,992 |
| Average earning assets | $47,519,500 | 5,902 |
| Average equity | $11,997,500 | 4,421 |
| Average total loans | $25,340,000 | 5,919 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3281% | 5,959 |
| Cost of funding earning assets | 0.3813% | 4,827 |
| Net interest margin | 2.9469% | 5,690 |
| Noninterest income to average assets | 0.1221% | 6,313 |
| Noninterest expense to average assets | 1.4526% | 6,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4727% | 871 |
| Return on assets (ROA) | 1.4947% | 879 |
| Pretax return on assets | 1.5726% | 1,240 |
| Return on Equity (ROE) | 5.8219% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.5009% | 4,476 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3871% | 6,479 |
| Assets per employee ($millions) | 9.8446% | 243 |
| Cash dividends to net income (ytd only)* | 57.0423% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,021 |
| Loan loss allowance to noncurrent loans | 22,500.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,407 |
| Noncurrent loans to loans | 0.0038% | 6,301 |
| Net loans and leases to total assets | 52.3698% | 4,805 |
| Net loans and leases to deposits | 77.3719% | 2,805 |
| Net loans and leases to core deposits | 77.3719% | 3,440 |
| Total domestic deposits to total assets | 67.6858% | 6,595 |
| Equity capital to assets | 24.0741% | 111 |
| Core capital (leverage) ratio | 26.2540% | 77 |
| Tier 1 risk-based capital ratio | 38.6709% | 253 |
| Total risk-based capital ratio | 39.3732% | 256 |
| Memoranda: | ||
| Average total assets | $47,502,400 | 6,080 |
| Average earning assets | $46,422,400 | 5,974 |
| Average equity | $12,195,400 | 4,409 |
| Average total loans | $22,178,400 | 6,111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2832% | 6,084 |
| Cost of funding earning assets | 0.3941% | 4,870 |
| Net interest margin | 2.8891% | 5,842 |
| Noninterest income to average assets | 0.1246% | 6,399 |
| Noninterest expense to average assets | 1.3001% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5727% | 791 |
| Return on assets (ROA) | 1.5862% | 813 |
| Pretax return on assets | 1.6627% | 1,179 |
| Return on Equity (ROE) | 6.0793% | 4,143 |
| Retained earnings to average equity (ytd only) | 1.6827% | 5,299 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0922% | 6,652 |
| Assets per employee ($millions) | 9.0060% | 307 |
| Cash dividends to net income (ytd only)* | 72.3217% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 6,495 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.1181% | 5,541 |
| Net loans and leases to deposits | 62.5418% | 4,688 |
| Net loans and leases to core deposits | 62.5418% | 5,060 |
| Total domestic deposits to total assets | 73.7397% | 6,389 |
| Equity capital to assets | 26.1892% | 79 |
| Core capital (leverage) ratio | 26.6279% | 73 |
| Tier 1 risk-based capital ratio | 44.9319% | 172 |
| Total risk-based capital ratio | 45.7579% | 176 |
| Memoranda: | ||
| Average total assets | $47,072,250 | 6,162 |
| Average earning assets | $46,010,750 | 6,056 |
| Average equity | $12,281,750 | 4,438 |
| Average total loans | $21,222,250 | 6,204 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2630% | 6,141 |
| Cost of funding earning assets | 0.3988% | 4,960 |
| Net interest margin | 2.8642% | 5,863 |
| Noninterest income to average assets | 0.1047% | 6,513 |
| Noninterest expense to average assets | 1.2607% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5674% | 791 |
| Return on assets (ROA) | 1.5873% | 833 |
| Pretax return on assets | 1.6627% | 1,200 |
| Return on Equity (ROE) | 6.0910% | 4,119 |
| Retained earnings to average equity (ytd only) | -0.4178% | 5,938 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4343% | 6,724 |
| Assets per employee ($millions) | 9.2286% | 277 |
| Cash dividends to net income (ytd only)* | 106.8602% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,546 |
| Loan loss allowance to noncurrent loans | 937.5000% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 6,323 |
| Noncurrent loans to loans | 0.1143% | 6,050 |
| Net loans and leases to total assets | 45.0231% | 5,633 |
| Net loans and leases to deposits | 61.6927% | 4,777 |
| Net loans and leases to core deposits | 61.6927% | 5,124 |
| Total domestic deposits to total assets | 72.9797% | 6,504 |
| Equity capital to assets | 26.2878% | 80 |
| Core capital (leverage) ratio | 25.9765% | 79 |
| Tier 1 risk-based capital ratio | 43.2989% | 188 |
| Total risk-based capital ratio | 44.1069% | 199 |
| Memoranda: | ||
| Average total assets | $47,753,000 | 6,188 |
| Average earning assets | $46,644,330 | 6,079 |
| Average equity | $12,444,670 | 4,435 |
| Average total loans | $21,299,000 | 6,242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1721% | 6,329 |
| Cost of funding earning assets | 0.4039% | 5,065 |
| Net interest margin | 2.7682% | 6,096 |
| Noninterest income to average assets | 0.0906% | 6,608 |
| Noninterest expense to average assets | 1.2192% | 6,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5487% | 768 |
| Return on assets (ROA) | 1.5487% | 841 |
| Pretax return on assets | 1.5816% | 1,341 |
| Return on Equity (ROE) | 5.9673% | 4,065 |
| Retained earnings to average equity (ytd only) | -6.8878% | 6,466 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5294% | 6,792 |
| Assets per employee ($millions) | 9.5092% | 266 |
| Cash dividends to net income (ytd only)* | 215.4255% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 5,681 |
| Loan loss allowance to noncurrent loans | 459.1837% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 6,249 |
| Noncurrent loans to loans | 0.2356% | 5,826 |
| Net loans and leases to total assets | 43.2634% | 5,734 |
| Net loans and leases to deposits | 58.6926% | 4,948 |
| Net loans and leases to core deposits | 58.6926% | 5,270 |
| Total domestic deposits to total assets | 73.7118% | 6,553 |
| Equity capital to assets | 26.2251% | 81 |
| Core capital (leverage) ratio | 24.2224% | 92 |
| Tier 1 risk-based capital ratio | 43.1234% | 195 |
| Total risk-based capital ratio | 43.9410% | 196 |
| Memoranda: | ||
| Average total assets | $48,558,000 | 6,222 |
| Average earning assets | $47,540,000 | 6,108 |
| Average equity | $12,602,000 | 4,453 |
| Average total loans | $21,448,500 | 6,291 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 6,196 |
| Cost of funding earning assets | 0.4932% | 5,269 |
| Net interest margin | 3.1257% | 5,750 |
| Noninterest income to average assets | 0.1329% | 6,379 |
| Noninterest expense to average assets | 1.5996% | 6,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4952% | 929 |
| Return on assets (ROA) | 1.4802% | 1,060 |
| Pretax return on assets | 1.5591% | 1,491 |
| Return on Equity (ROE) | 5.2249% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.3201% | 5,211 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3903% | 6,569 |
| Assets per employee ($millions) | 9.9140% | 246 |
| Cash dividends to net income (ytd only)* | 74.7336% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,903 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 6,168 |
| Noncurrent loans to loans | 0.3393% | 5,636 |
| Net loans and leases to total assets | 44.1335% | 5,805 |
| Net loans and leases to deposits | 59.4435% | 5,082 |
| Net loans and leases to core deposits | 59.4435% | 5,414 |
| Total domestic deposits to total assets | 74.2445% | 6,506 |
| Equity capital to assets | 25.6909% | 89 |
| Core capital (leverage) ratio | 25.1154% | 96 |
| Tier 1 risk-based capital ratio | 41.7568% | 204 |
| Total risk-based capital ratio | 42.5343% | 212 |
| Memoranda: | ||
| Average total assets | $44,385,400 | 6,364 |
| Average earning assets | $43,190,400 | 6,264 |
| Average equity | $12,574,400 | 4,448 |
| Average total loans | $20,592,800 | 6,394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 6,031 |
| Cost of funding earning assets | 0.5063% | 5,399 |
| Net interest margin | 3.2924% | 5,415 |
| Noninterest income to average assets | 0.1423% | 6,433 |
| Noninterest expense to average assets | 1.4976% | 6,941 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7466% | 632 |
| Return on assets (ROA) | 1.7142% | 734 |
| Pretax return on assets | 1.8101% | 1,022 |
| Return on Equity (ROE) | 5.8931% | 4,383 |
| Retained earnings to average equity (ytd only) | 0.6702% | 5,884 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8148% | 6,872 |
| Assets per employee ($millions) | 9.2562% | 300 |
| Cash dividends to net income (ytd only)* | 88.6279% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,777 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 40.9002% | 6,210 |
| Net loans and leases to deposits | 56.4236% | 5,596 |
| Net loans and leases to core deposits | 56.4236% | 5,860 |
| Total domestic deposits to total assets | 72.4876% | 6,716 |
| Equity capital to assets | 27.4367% | 80 |
| Core capital (leverage) ratio | 27.2291% | 75 |
| Tier 1 risk-based capital ratio | 46.3999% | 162 |
| Total risk-based capital ratio | 47.2714% | 166 |
| Memoranda: | ||
| Average total assets | $43,089,250 | 6,463 |
| Average earning assets | $41,873,000 | 6,383 |
| Average equity | $12,534,250 | 4,496 |
| Average total loans | $20,215,500 | 6,503 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 5,749 |
| Cost of funding earning assets | 0.5132% | 5,529 |
| Net interest margin | 3.4506% | 4,876 |
| Noninterest income to average assets | 0.1380% | 6,502 |
| Noninterest expense to average assets | 1.3135% | 7,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0818% | 345 |
| Return on assets (ROA) | 2.0321% | 420 |
| Pretax return on assets | 2.1320% | 545 |
| Return on Equity (ROE) | 6.8431% | 3,858 |
| Retained earnings to average equity (ytd only) | -1.0257% | 6,215 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5510% | 7,101 |
| Assets per employee ($millions) | 8.3798% | 397 |
| Cash dividends to net income (ytd only)* | 114.9883% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 6,394 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 46.9438% | 5,730 |
| Net loans and leases to deposits | 67.1068% | 4,344 |
| Net loans and leases to core deposits | 67.1068% | 4,886 |
| Total domestic deposits to total assets | 69.9539% | 6,908 |
| Equity capital to assets | 29.9649% | 67 |
| Core capital (leverage) ratio | 28.6301% | 68 |
| Tier 1 risk-based capital ratio | 45.8995% | 164 |
| Total risk-based capital ratio | 46.7707% | 166 |
| Memoranda: | ||
| Average total assets | $42,025,330 | 6,543 |
| Average earning assets | $40,920,330 | 6,452 |
| Average equity | $12,479,670 | 4,506 |
| Average total loans | $20,569,330 | 6,536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 5,674 |
| Cost of funding earning assets | 0.5476% | 5,512 |
| Net interest margin | 3.4814% | 4,785 |
| Noninterest income to average assets | 0.1235% | 6,637 |
| Noninterest expense to average assets | 1.3210% | 7,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0908% | 360 |
| Return on assets (ROA) | 2.0908% | 415 |
| Pretax return on assets | 2.1859% | 553 |
| Return on Equity (ROE) | 7.0728% | 3,749 |
| Retained earnings to average equity (ytd only) | -8.7124% | 6,800 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6694% | 7,154 |
| Assets per employee ($millions) | 8.2170% | 436 |
| Cash dividends to net income (ytd only)* | 223.1818% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,719 |
| Loan loss allowance to noncurrent loans | 608.1081% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 5,765 |
| Noncurrent loans to loans | 0.1889% | 6,301 |
| Net loans and leases to total assets | 47.1218% | 5,668 |
| Net loans and leases to deposits | 67.4236% | 4,158 |
| Net loans and leases to core deposits | 67.4236% | 4,743 |
| Total domestic deposits to total assets | 69.8893% | 6,985 |
| Equity capital to assets | 30.0037% | 64 |
| Core capital (leverage) ratio | 28.3817% | 69 |
| Tier 1 risk-based capital ratio | 45.7104% | 159 |
| Total risk-based capital ratio | 46.5973% | 162 |
| Memoranda: | ||
| Average total assets | $42,088,500 | 6,596 |
| Average earning assets | $40,903,000 | 6,494 |
| Average equity | $12,442,000 | 4,519 |
| Average total loans | $20,907,000 | 6,567 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 5,379 |
| Cost of funding earning assets | 0.6640% | 5,746 |
| Net interest margin | 3.7469% | 4,094 |
| Noninterest income to average assets | 0.1622% | 6,332 |
| Noninterest expense to average assets | 1.8090% | 6,945 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9002% | 378 |
| Return on assets (ROA) | 1.9002% | 408 |
| Pretax return on assets | 1.9990% | 534 |
| Return on Equity (ROE) | 6.1850% | 3,776 |
| Retained earnings to average equity (ytd only) | 2.5812% | 4,388 |
| Net charge-offs to loans | 0.0050% | 6,364 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 789.0000% | 37 |
| Efficiency ratio | 47.5050% | 6,965 |
| Assets per employee ($millions) | 8.6184% | 373 |
| Cash dividends to net income (ytd only)* | 58.2667% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,157 |
| Loan loss allowance to noncurrent loans | 523.2558% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 5,878 |
| Noncurrent loans to loans | 0.1934% | 6,361 |
| Net loans and leases to total assets | 51.0628% | 5,453 |
| Net loans and leases to deposits | 73.2685% | 3,620 |
| Net loans and leases to core deposits | 73.2685% | 4,339 |
| Total domestic deposits to total assets | 69.6928% | 7,002 |
| Equity capital to assets | 29.1400% | 72 |
| Core capital (leverage) ratio | 28.4229% | 73 |
| Tier 1 risk-based capital ratio | 42.1906% | 199 |
| Total risk-based capital ratio | 42.9871% | 202 |
| Memoranda: | ||
| Average total assets | $39,469,600 | 6,694 |
| Average earning assets | $38,405,200 | 6,586 |
| Average equity | $12,126,200 | 4,524 |
| Average total loans | $20,066,400 | 6,656 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 5,125 |
| Cost of funding earning assets | 0.6921% | 5,817 |
| Net interest margin | 3.8474% | 3,629 |
| Noninterest income to average assets | 0.1625% | 6,433 |
| Noninterest expense to average assets | 1.7114% | 7,087 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0986% | 294 |
| Return on assets (ROA) | 2.0986% | 315 |
| Pretax return on assets | 2.1989% | 424 |
| Return on Equity (ROE) | 6.7339% | 3,647 |
| Retained earnings to average equity (ytd only) | 1.8859% | 5,197 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7666% | 7,154 |
| Assets per employee ($millions) | 7.8826% | 492 |
| Cash dividends to net income (ytd only)* | 71.9934% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,796 |
| Loan loss allowance to noncurrent loans | 124.1758% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 5,869 |
| Noncurrent loans to loans | 0.9047% | 5,056 |
| Net loans and leases to total assets | 50.4707% | 5,641 |
| Net loans and leases to deposits | 74.0278% | 3,650 |
| Net loans and leases to core deposits | 74.0278% | 4,440 |
| Total domestic deposits to total assets | 68.1780% | 7,133 |
| Equity capital to assets | 31.6951% | 69 |
| Core capital (leverage) ratio | 30.2018% | 75 |
| Tier 1 risk-based capital ratio | 46.2221% | 168 |
| Total risk-based capital ratio | 47.1092% | 169 |
| Memoranda: | ||
| Average total assets | $38,564,000 | 6,773 |
| Average earning assets | $37,565,500 | 6,678 |
| Average equity | $12,018,500 | 4,566 |
| Average total loans | $19,525,750 | 6,750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 5,067 |
| Cost of funding earning assets | 0.7198% | 5,832 |
| Net interest margin | 3.8569% | 3,501 |
| Noninterest income to average assets | 0.1515% | 6,567 |
| Noninterest expense to average assets | 1.9174% | 6,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8808% | 423 |
| Return on assets (ROA) | 1.8808% | 453 |
| Pretax return on assets | 1.9853% | 605 |
| Return on Equity (ROE) | 6.0705% | 3,929 |
| Retained earnings to average equity (ytd only) | -1.2984% | 6,117 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1299% | 6,996 |
| Assets per employee ($millions) | 7.6812% | 523 |
| Cash dividends to net income (ytd only)* | 121.3889% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 5,712 |
| Loan loss allowance to noncurrent loans | 122.8261% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 5,900 |
| Noncurrent loans to loans | 0.9457% | 5,086 |
| Net loans and leases to total assets | 50.0729% | 5,809 |
| Net loans and leases to deposits | 73.3028% | 3,899 |
| Net loans and leases to core deposits | 73.3028% | 4,668 |
| Total domestic deposits to total assets | 68.3096% | 7,176 |
| Equity capital to assets | 31.3935% | 76 |
| Core capital (leverage) ratio | 30.0375% | 81 |
| Tier 1 risk-based capital ratio | 46.3869% | 168 |
| Total risk-based capital ratio | 47.2962% | 168 |
| Memoranda: | ||
| Average total assets | $38,281,000 | 6,852 |
| Average earning assets | $37,232,000 | 6,754 |
| Average equity | $11,860,670 | 4,590 |
| Average total loans | $19,328,330 | 6,823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 5,017 |
| Cost of funding earning assets | 0.7424% | 5,910 |
| Net interest margin | 3.8411% | 3,411 |
| Noninterest income to average assets | 0.1465% | 6,676 |
| Noninterest expense to average assets | 2.3339% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4443% | 999 |
| Return on assets (ROA) | 1.4443% | 1,037 |
| Pretax return on assets | 1.5490% | 1,302 |
| Return on Equity (ROE) | 4.6929% | 4,556 |
| Retained earnings to average equity (ytd only) | -10.1679% | 6,877 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1078% | 5,971 |
| Assets per employee ($millions) | 7.6774% | 540 |
| Cash dividends to net income (ytd only)* | 316.6667% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,808 |
| Loan loss allowance to noncurrent loans | 151.6779% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 6,171 |
| Noncurrent loans to loans | 0.7634% | 5,500 |
| Net loans and leases to total assets | 50.2566% | 5,814 |
| Net loans and leases to deposits | 72.4609% | 3,992 |
| Net loans and leases to core deposits | 72.4609% | 4,730 |
| Total domestic deposits to total assets | 69.3568% | 7,211 |
| Equity capital to assets | 30.3045% | 76 |
| Core capital (leverage) ratio | 29.0478% | 82 |
| Tier 1 risk-based capital ratio | 45.0482% | 174 |
| Total risk-based capital ratio | 45.9485% | 177 |
| Memoranda: | ||
| Average total assets | $38,218,500 | 6,898 |
| Average earning assets | $37,176,500 | 6,798 |
| Average equity | $11,762,500 | 4,609 |
| Average total loans | $19,264,000 | 6,883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 5,217 |
| Cost of funding earning assets | 1.0687% | 5,324 |
| Net interest margin | 3.7853% | 4,006 |
| Noninterest income to average assets | 0.2004% | 6,348 |
| Noninterest expense to average assets | 1.6544% | 7,372 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.1226% | 225 |
| Return on assets (ROA) | 2.1374% | 228 |
| Pretax return on assets | 2.2376% | 293 |
| Return on Equity (ROE) | 7.0376% | 3,105 |
| Retained earnings to average equity (ytd only) | 3.6034% | 3,335 |
| Net charge-offs to loans | 0.4982% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 9.1053% | 1,873 |
| Efficiency ratio | 42.6773% | 7,448 |
| Assets per employee ($millions) | 7.6100% | 564 |
| Cash dividends to net income (ytd only)* | 48.7981% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,593 |
| Loan loss allowance to noncurrent loans | 155.1724% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 6,249 |
| Noncurrent loans to loans | 0.7628% | 5,521 |
| Net loans and leases to total assets | 49.3693% | 6,229 |
| Net loans and leases to deposits | 74.1289% | 4,170 |
| Net loans and leases to core deposits | 74.1289% | 4,965 |
| Total domestic deposits to total assets | 66.5992% | 7,370 |
| Equity capital to assets | 31.2536% | 74 |
| Core capital (leverage) ratio | 29.5341% | 88 |
| Tier 1 risk-based capital ratio | 46.6967% | 161 |
| Total risk-based capital ratio | 47.6020% | 163 |
| Memoranda: | ||
| Average total assets | $38,925,400 | 6,905 |
| Average earning assets | $37,804,600 | 6,803 |
| Average equity | $11,822,200 | 4,663 |
| Average total loans | $19,069,600 | 6,974 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 5,366 |
| Cost of funding earning assets | 1.1189% | 5,324 |
| Net interest margin | 3.7601% | 4,138 |
| Noninterest income to average assets | 0.1669% | 6,676 |
| Noninterest expense to average assets | 1.4476% | 7,577 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2795% | 197 |
| Return on assets (ROA) | 2.2991% | 204 |
| Pretax return on assets | 2.3911% | 275 |
| Return on Equity (ROE) | 7.6239% | 3,056 |
| Retained earnings to average equity (ytd only) | 3.0383% | 4,309 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9126% | 7,612 |
| Assets per employee ($millions) | 7.8722% | 533 |
| Cash dividends to net income (ytd only)* | 60.1480% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,701 |
| Loan loss allowance to noncurrent loans | 138.5281% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,906 |
| Noncurrent loans to loans | 1.1252% | 4,985 |
| Net loans and leases to total assets | 51.3427% | 6,179 |
| Net loans and leases to deposits | 78.3507% | 3,767 |
| Net loans and leases to core deposits | 78.3507% | 4,765 |
| Total domestic deposits to total assets | 65.5293% | 7,485 |
| Equity capital to assets | 30.8605% | 81 |
| Core capital (leverage) ratio | 29.2093% | 90 |
| Tier 1 risk-based capital ratio | 43.7180% | 194 |
| Total risk-based capital ratio | 44.9400% | 194 |
| Memoranda: | ||
| Average total assets | $39,144,250 | 6,976 |
| Average earning assets | $38,012,000 | 6,878 |
| Average equity | $11,804,750 | 4,736 |
| Average total loans | $19,084,500 | 7,067 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 5,533 |
| Cost of funding earning assets | 1.1462% | 5,429 |
| Net interest margin | 3.7239% | 4,253 |
| Noninterest income to average assets | 0.1484% | 6,833 |
| Noninterest expense to average assets | 1.4793% | 7,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1869% | 236 |
| Return on assets (ROA) | 2.2164% | 247 |
| Pretax return on assets | 2.3086% | 334 |
| Return on Equity (ROE) | 7.4076% | 3,144 |
| Retained earnings to average equity (ytd only) | 0.4619% | 5,577 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3733% | 7,653 |
| Assets per employee ($millions) | 7.9702% | 505 |
| Cash dividends to net income (ytd only)* | 93.7644% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 3,109 |
| Loan loss allowance to noncurrent loans | 140.3509% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 6,000 |
| Noncurrent loans to loans | 1.2066% | 4,950 |
| Net loans and leases to total assets | 46.6136% | 6,735 |
| Net loans and leases to deposits | 69.6983% | 5,325 |
| Net loans and leases to core deposits | 69.6983% | 5,905 |
| Total domestic deposits to total assets | 66.8791% | 7,488 |
| Equity capital to assets | 29.7408% | 88 |
| Core capital (leverage) ratio | 28.6797% | 90 |
| Tier 1 risk-based capital ratio | 44.9264% | 184 |
| Total risk-based capital ratio | 46.1773% | 183 |
| Memoranda: | ||
| Average total assets | $39,072,000 | 7,026 |
| Average earning assets | $37,864,000 | 6,933 |
| Average equity | $11,690,670 | 4,762 |
| Average total loans | $18,603,000 | 7,146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 6,035 |
| Cost of funding earning assets | 1.1420% | 5,690 |
| Net interest margin | 3.6181% | 4,637 |
| Noninterest income to average assets | 0.1344% | 7,011 |
| Noninterest expense to average assets | 1.4994% | 7,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0474% | 325 |
| Return on assets (ROA) | 2.0474% | 354 |
| Pretax return on assets | 2.1405% | 464 |
| Return on Equity (ROE) | 6.8217% | 3,440 |
| Retained earnings to average equity (ytd only) | -7.1662% | 6,761 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1932% | 7,699 |
| Assets per employee ($millions) | 7.7410% | 577 |
| Cash dividends to net income (ytd only)* | 205.0505% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 2,926 |
| Loan loss allowance to noncurrent loans | 138.5281% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 5,960 |
| Noncurrent loans to loans | 1.2556% | 4,882 |
| Net loans and leases to total assets | 46.7071% | 6,774 |
| Net loans and leases to deposits | 70.1867% | 5,317 |
| Net loans and leases to core deposits | 70.1867% | 5,898 |
| Total domestic deposits to total assets | 66.5470% | 7,597 |
| Equity capital to assets | 29.9445% | 84 |
| Core capital (leverage) ratio | 29.0865% | 90 |
| Tier 1 risk-based capital ratio | 44.8698% | 194 |
| Total risk-based capital ratio | 46.1211% | 190 |
| Memoranda: | ||
| Average total assets | $38,682,500 | 7,132 |
| Average earning assets | $37,478,000 | 7,037 |
| Average equity | $11,610,000 | 4,813 |
| Average total loans | $18,456,500 | 7,243 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3163% | 5,096 |
| Cost of funding earning assets | 1.5854% | 5,100 |
| Net interest margin | 3.7309% | 3,994 |
| Noninterest income to average assets | 0.2005% | 6,668 |
| Noninterest expense to average assets | 1.6803% | 7,713 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.0246% | 221 |
| Return on assets (ROA) | 2.0272% | 232 |
| Pretax return on assets | 2.1329% | 323 |
| Return on Equity (ROE) | 6.6318% | 2,940 |
| Retained earnings to average equity (ytd only) | 2.6421% | 3,297 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0967% | 7,770 |
| Assets per employee ($millions) | 7.7320% | 572 |
| Cash dividends to net income (ytd only)* | 60.1604% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 2,790 |
| Loan loss allowance to noncurrent loans | 85.5615% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 5,121 |
| Noncurrent loans to loans | 2.0200% | 3,623 |
| Net loans and leases to total assets | 47.0641% | 6,891 |
| Net loans and leases to deposits | 70.8611% | 5,489 |
| Net loans and leases to core deposits | 73.3315% | 6,573 |
| Total domestic deposits to total assets | 66.4175% | 7,626 |
| Equity capital to assets | 30.0828% | 102 |
| Core capital (leverage) ratio | 29.1477% | 107 |
| Tier 1 risk-based capital ratio | 45.5802% | 187 |
| Total risk-based capital ratio | 46.8319% | 186 |
| Memoranda: | ||
| Average total assets | $36,898,800 | 7,215 |
| Average earning assets | $35,701,800 | 7,114 |
| Average equity | $11,279,000 | 4,952 |
| Average total loans | $18,522,800 | 7,286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 4,942 |
| Cost of funding earning assets | 1.6469% | 5,173 |
| Net interest margin | 3.7546% | 3,841 |
| Noninterest income to average assets | 0.2085% | 6,735 |
| Noninterest expense to average assets | 1.5286% | 7,876 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.2090% | 174 |
| Return on assets (ROA) | 2.2125% | 192 |
| Pretax return on assets | 2.3186% | 278 |
| Return on Equity (ROE) | 7.2079% | 2,983 |
| Retained earnings to average equity (ytd only) | 1.8466% | 4,285 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7716% | 7,929 |
| Assets per employee ($millions) | 7.5212% | 629 |
| Cash dividends to net income (ytd only)* | 74.3805% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 2,793 |
| Loan loss allowance to noncurrent loans | 94.3953% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 5,216 |
| Noncurrent loans to loans | 1.7512% | 3,992 |
| Net loans and leases to total assets | 50.6249% | 6,727 |
| Net loans and leases to deposits | 82.2838% | 3,962 |
| Net loans and leases to core deposits | 85.6102% | 5,904 |
| Total domestic deposits to total assets | 61.5248% | 7,834 |
| Equity capital to assets | 30.8860% | 107 |
| Core capital (leverage) ratio | 29.8265% | 124 |
| Tier 1 risk-based capital ratio | 44.3930% | 216 |
| Total risk-based capital ratio | 45.6440% | 213 |
| Memoranda: | ||
| Average total assets | $36,458,500 | 7,294 |
| Average earning assets | $35,298,250 | 7,194 |
| Average equity | $11,191,250 | 5,020 |
| Average total loans | $18,524,750 | 7,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 4,489 |
| Cost of funding earning assets | 1.6961% | 5,286 |
| Net interest margin | 3.8277% | 3,426 |
| Noninterest income to average assets | 0.1829% | 6,986 |
| Noninterest expense to average assets | 1.4913% | 7,974 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2898% | 164 |
| Return on assets (ROA) | 2.2952% | 179 |
| Pretax return on assets | 2.4005% | 254 |
| Return on Equity (ROE) | 7.4932% | 2,985 |
| Retained earnings to average equity (ytd only) | -0.6516% | 5,388 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3738% | 8,046 |
| Assets per employee ($millions) | 7.1040% | 740 |
| Cash dividends to net income (ytd only)* | 108.6957% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 2,216 |
| Loan loss allowance to noncurrent loans | 680.8511% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 7,155 |
| Noncurrent loans to loans | 0.2553% | 6,880 |
| Net loans and leases to total assets | 50.9319% | 6,789 |
| Net loans and leases to deposits | 84.0269% | 3,870 |
| Net loans and leases to core deposits | 88.6032% | 5,673 |
| Total domestic deposits to total assets | 60.6137% | 7,920 |
| Equity capital to assets | 31.3288% | 124 |
| Core capital (leverage) ratio | 30.2783% | 141 |
| Tier 1 risk-based capital ratio | 45.3523% | 219 |
| Total risk-based capital ratio | 46.6026% | 217 |
| Memoranda: | ||
| Average total assets | $36,076,000 | 7,374 |
| Average earning assets | $34,903,330 | 7,272 |
| Average equity | $11,050,000 | 5,072 |
| Average total loans | $18,247,000 | 7,434 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 4,936 |
| Cost of funding earning assets | 1.7523% | 5,345 |
| Net interest margin | 3.7435% | 3,681 |
| Noninterest income to average assets | 0.1760% | 7,047 |
| Noninterest expense to average assets | 1.5404% | 7,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2227% | 223 |
| Return on assets (ROA) | 2.2336% | 253 |
| Pretax return on assets | 2.2666% | 389 |
| Return on Equity (ROE) | 7.3744% | 3,435 |
| Retained earnings to average equity (ytd only) | -8.9728% | 7,012 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5797% | 8,036 |
| Assets per employee ($millions) | 7.2080% | 706 |
| Cash dividends to net income (ytd only)* | 221.6749% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 2,039 |
| Loan loss allowance to noncurrent loans | 2,461.5385% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 7,405 |
| Noncurrent loans to loans | 0.0703% | 7,324 |
| Net loans and leases to total assets | 50.4301% | 6,819 |
| Net loans and leases to deposits | 83.5133% | 4,058 |
| Net loans and leases to core deposits | 87.1368% | 5,824 |
| Total domestic deposits to total assets | 60.3857% | 7,958 |
| Equity capital to assets | 30.0971% | 147 |
| Core capital (leverage) ratio | 28.9806% | 166 |
| Tier 1 risk-based capital ratio | 44.3976% | 256 |
| Total risk-based capital ratio | 45.6500% | 254 |
| Memoranda: | ||
| Average total assets | $36,354,000 | 7,399 |
| Average earning assets | $35,154,500 | 7,299 |
| Average equity | $11,011,000 | 5,105 |
| Average total loans | $18,165,000 | 7,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1082% | 4,997 |
| Cost of funding earning assets | 2.2230% | 5,493 |
| Net interest margin | 3.8852% | 3,637 |
| Noninterest income to average assets | 0.3364% | 6,049 |
| Noninterest expense to average assets | 1.7480% | 7,817 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1977% | 241 |
| Return on assets (ROA) | 1.9410% | 387 |
| Pretax return on assets | 2.0431% | 541 |
| Return on Equity (ROE) | 6.4773% | 3,764 |
| Retained earnings to average equity (ytd only) | -0.4232% | 5,417 |
| Net charge-offs to loans | 0.0155% | 6,670 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 279.6667% | 177 |
| Efficiency ratio | 43.0414% | 8,039 |
| Assets per employee ($millions) | 7.3336% | 616 |
| Cash dividends to net income (ytd only)* | 106.5341% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 1,648 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 7,360 |
| Noncurrent loans to loans | 0.0561% | 7,284 |
| Net loans and leases to total assets | 47.7664% | 7,206 |
| Net loans and leases to deposits | 77.5000% | 5,402 |
| Net loans and leases to core deposits | 80.7106% | 6,560 |
| Total domestic deposits to total assets | 61.6341% | 7,902 |
| Equity capital to assets | 30.4762% | 171 |
| Core capital (leverage) ratio | 29.3142% | 191 |
| Tier 1 risk-based capital ratio | 45.7169% | 253 |
| Total risk-based capital ratio | 46.9689% | 251 |
| Memoranda: | ||
| Average total assets | $36,269,200 | 7,367 |
| Average earning assets | $34,773,000 | 7,296 |
| Average equity | $10,868,800 | 5,164 |
| Average total loans | $19,374,000 | 7,372 |