Home > Commerce Bank > Performance and Condition Ratios
Commerce Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 1,225 |
| Cost of funding earning assets | 0.8769% | 3,570 |
| Net interest margin | 4.5829% | 543 |
| Noninterest income to average assets | 2.6600% | 204 |
| Noninterest expense to average assets | 3.2173% | 819 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 3.4526% | 126 |
| Return on assets (ROA) | 1.7663% | 614 |
| Pretax return on assets | 1.7663% | 929 |
| Return on Equity (ROE) | 21.6000% | 490 |
| Retained earnings to average equity (ytd only) | 8.7179% | 1,326 |
| Net charge-offs to loans | 0.0497% | 1,371 |
| Credit loss provision to net charge-offs | 397.9592% | 789 |
| Earnings coverage of net charge-offs (x) | 114.1633% | 841 |
| Efficiency ratio | 47.3506% | 4,126 |
| Assets per employee ($millions) | 5.3280% | 3,370 |
| Cash dividends to net income (ytd only)* | 59.6307% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,012 |
| Loan loss allowance to noncurrent loans | 161.7834% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 901 |
| Noncurrent loans to loans | 0.9349% | 798 |
| Net loans and leases to total assets | 64.2300% | 2,439 |
| Net loans and leases to deposits | 71.6855% | 2,772 |
| Net loans and leases to core deposits | 78.2755% | 2,817 |
| Total domestic deposits to total assets | 89.6000% | 875 |
| Equity capital to assets | 9.7746% | 2,146 |
| Core capital (leverage) ratio | 12.3481% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $156,372,800 | 3,306 |
| Average earning assets | $141,067,800 | 3,335 |
| Average equity | $12,789,800 | 3,457 |
| Average total loans | $98,657,400 | 3,190 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 1,394 |
| Cost of funding earning assets | 0.7925% | 3,538 |
| Net interest margin | 4.4399% | 674 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 3.0281% | 1,034 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.6688% | 837 |
| Return on assets (ROA) | 1.6688% | 832 |
| Pretax return on assets | 1.6688% | 1,220 |
| Return on Equity (ROE) | 21.4300% | 601 |
| Retained earnings to average equity (ytd only) | 13.2877% | 776 |
| Net charge-offs to loans | 0.0041% | 2,346 |
| Credit loss provision to net charge-offs | 4,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 699.3333% | 228 |
| Efficiency ratio | 62.9329% | 2,620 |
| Assets per employee ($millions) | 5.2157% | 3,420 |
| Cash dividends to net income (ytd only)* | 38.0031% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,091 |
| Loan loss allowance to noncurrent loans | 221.4391% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 1,341 |
| Noncurrent loans to loans | 0.6807% | 1,216 |
| Net loans and leases to total assets | 62.9700% | 2,562 |
| Net loans and leases to deposits | 70.3138% | 2,825 |
| Net loans and leases to core deposits | 75.5633% | 2,895 |
| Total domestic deposits to total assets | 89.5600% | 1,051 |
| Equity capital to assets | 7.3195% | 3,458 |
| Core capital (leverage) ratio | 12.5037% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $156,837,750 | 3,312 |
| Average earning assets | $141,320,750 | 3,339 |
| Average equity | $12,211,500 | 3,510 |
| Average total loans | $98,130,750 | 3,196 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 1,490 |
| Cost of funding earning assets | 0.6654% | 3,587 |
| Net interest margin | 4.3743% | 727 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.0161% | 1,016 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.5966% | 955 |
| Return on assets (ROA) | 1.5966% | 953 |
| Pretax return on assets | 1.5966% | 1,421 |
| Return on Equity (ROE) | 20.1100% | 695 |
| Retained earnings to average equity (ytd only) | 14.7621% | 591 |
| Net charge-offs to loans | -0.0123% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.0595% | 2,482 |
| Assets per employee ($millions) | 5.2481% | 3,360 |
| Cash dividends to net income (ytd only)* | 26.5762% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,409 |
| Loan loss allowance to noncurrent loans | 218.9394% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 1,274 |
| Noncurrent loans to loans | 0.6552% | 1,140 |
| Net loans and leases to total assets | 63.0600% | 2,477 |
| Net loans and leases to deposits | 71.6593% | 2,674 |
| Net loans and leases to core deposits | 76.1162% | 2,756 |
| Total domestic deposits to total assets | 88.0000% | 1,602 |
| Equity capital to assets | 8.0225% | 3,200 |
| Core capital (leverage) ratio | 12.3247% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,959,667 | 3,327 |
| Average earning assets | $141,278,667 | 3,349 |
| Average equity | $12,464,333 | 3,492 |
| Average total loans | $97,495,000 | 3,202 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,549 |
| Cost of funding earning assets | 0.5419% | 3,560 |
| Net interest margin | 4.2897% | 819 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.1573% | 851 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3757% | 1,472 |
| Return on assets (ROA) | 1.3757% | 1,446 |
| Pretax return on assets | 1.3757% | 1,945 |
| Return on Equity (ROE) | 17.4100% | 1,111 |
| Retained earnings to average equity (ytd only) | 17.4138% | 565 |
| Net charge-offs to loans | 0.0793% | 676 |
| Credit loss provision to net charge-offs | 157.8947% | 925 |
| Earnings coverage of net charge-offs (x) | 29.9474% | 1,305 |
| Efficiency ratio | 68.4939% | 1,919 |
| Assets per employee ($millions) | 5.7304% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,360 |
| Loan loss allowance to noncurrent loans | 268.9139% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 1,526 |
| Noncurrent loans to loans | 0.5477% | 1,350 |
| Net loans and leases to total assets | 59.8700% | 2,668 |
| Net loans and leases to deposits | 66.3015% | 2,908 |
| Net loans and leases to core deposits | 70.2484% | 2,938 |
| Total domestic deposits to total assets | 90.3000% | 1,049 |
| Equity capital to assets | 8.1464% | 3,142 |
| Core capital (leverage) ratio | 12.2960% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $156,717,500 | 3,369 |
| Average earning assets | $140,242,500 | 3,404 |
| Average equity | $12,381,000 | 3,539 |
| Average total loans | $95,875,500 | 3,256 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 1,036 |
| Cost of funding earning assets | 0.2845% | 3,003 |
| Net interest margin | 4.0227% | 764 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.7704% | 1,380 |
| Loan and lease loss provision to assets | -0.2300% | 4,642 |
| Net operating income to assets | 2.0048% | 297 |
| Return on assets (ROA) | 1.6692% | 555 |
| Pretax return on assets | 1.6692% | 998 |
| Return on Equity (ROE) | 20.3900% | 442 |
| Retained earnings to average equity (ytd only) | 10.9113% | 906 |
| Net charge-offs to loans | 0.1118% | 671 |
| Credit loss provision to net charge-offs | -351.4851% | 4,622 |
| Earnings coverage of net charge-offs (x) | 27.4158% | 1,732 |
| Efficiency ratio | 60.9229% | 2,919 |
| Assets per employee ($millions) | 5.6660% | 3,068 |
| Cash dividends to net income (ytd only)* | 46.4821% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,168 |
| Loan loss allowance to noncurrent loans | 244.8454% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 1,349 |
| Noncurrent loans to loans | 0.6175% | 1,205 |
| Net loans and leases to total assets | 60.6800% | 2,585 |
| Net loans and leases to deposits | 66.2279% | 2,879 |
| Net loans and leases to core deposits | 68.8949% | 2,949 |
| Total domestic deposits to total assets | 91.6200% | 742 |
| Equity capital to assets | 7.6420% | 3,298 |
| Core capital (leverage) ratio | 11.8540% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $155,826,400 | 3,383 |
| Average earning assets | $141,299,200 | 3,406 |
| Average equity | $12,757,400 | 3,594 |
| Average total loans | $90,358,800 | 3,287 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 921 |
| Cost of funding earning assets | 0.2912% | 2,263 |
| Net interest margin | 3.8910% | 816 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.8048% | 1,245 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5817% | 683 |
| Return on assets (ROA) | 1.5817% | 665 |
| Pretax return on assets | 1.5817% | 1,168 |
| Return on Equity (ROE) | 19.0100% | 527 |
| Retained earnings to average equity (ytd only) | 11.9981% | 789 |
| Net charge-offs to loans | 0.1223% | 516 |
| Credit loss provision to net charge-offs | 109.7561% | 1,274 |
| Earnings coverage of net charge-offs (x) | 23.7439% | 1,644 |
| Efficiency ratio | 62.8435% | 2,711 |
| Assets per employee ($millions) | 5.5891% | 3,134 |
| Cash dividends to net income (ytd only)* | 36.8875% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 497 |
| Loan loss allowance to noncurrent loans | 350.4638% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 1,572 |
| Noncurrent loans to loans | 0.5731% | 1,398 |
| Net loans and leases to total assets | 58.9000% | 2,610 |
| Net loans and leases to deposits | 63.9611% | 2,868 |
| Net loans and leases to core deposits | 65.6028% | 2,977 |
| Total domestic deposits to total assets | 92.0800% | 855 |
| Equity capital to assets | 6.2974% | 3,846 |
| Core capital (leverage) ratio | 11.3762% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $156,537,250 | 3,400 |
| Average earning assets | $141,929,250 | 3,424 |
| Average equity | $13,024,000 | 3,610 |
| Average total loans | $89,384,500 | 3,307 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 827 |
| Cost of funding earning assets | 0.3242% | 1,489 |
| Net interest margin | 3.7417% | 848 |
| Noninterest income to average assets | 1.0284% | 628 |
| Noninterest expense to average assets | 2.7710% | 1,226 |
| Loan and lease loss provision to assets | 0.0767% | 1,261 |
| Net operating income to assets | 1.5867% | 568 |
| Return on assets (ROA) | 1.5867% | 557 |
| Pretax return on assets | 1.5867% | 971 |
| Return on Equity (ROE) | 17.6416% | 511 |
| Retained earnings to average equity (ytd only) | 14.6019% | 302 |
| Net charge-offs to loans | 0.0774% | 693 |
| Credit loss provision to net charge-offs | 176.4706% | 1,029 |
| Earnings coverage of net charge-offs (x) | 38.2941% | 1,280 |
| Efficiency ratio | 62.4892% | 2,978 |
| Assets per employee ($millions) | 5.7785% | 2,949 |
| Cash dividends to net income (ytd only)* | 17.2303% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 428 |
| Loan loss allowance to noncurrent loans | 303.0207% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 1,129 |
| Noncurrent loans to loans | 0.7005% | 1,231 |
| Net loans and leases to total assets | 56.3290% | 2,720 |
| Net loans and leases to deposits | 61.2044% | 2,957 |
| Net loans and leases to core deposits | 62.9226% | 3,037 |
| Total domestic deposits to total assets | 92.0343% | 818 |
| Equity capital to assets | 7.6068% | 3,404 |
| Core capital (leverage) ratio | 11.2400% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,551,667 | 3,447 |
| Average earning assets | $142,501,333 | 3,469 |
| Average equity | $14,080,333 | 3,578 |
| Average total loans | $87,827,000 | 3,356 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 818 |
| Cost of funding earning assets | 0.3607% | 1,127 |
| Net interest margin | 3.6097% | 878 |
| Noninterest income to average assets | 0.7066% | 1,297 |
| Noninterest expense to average assets | 2.8951% | 969 |
| Loan and lease loss provision to assets | 0.0765% | 1,071 |
| Net operating income to assets | 1.0279% | 1,770 |
| Return on assets (ROA) | 1.0279% | 1,759 |
| Pretax return on assets | 1.0279% | 2,357 |
| Return on Equity (ROE) | 10.6147% | 1,755 |
| Retained earnings to average equity (ytd only) | 10.6147% | 866 |
| Net charge-offs to loans | 0.0553% | 747 |
| Credit loss provision to net charge-offs | 250.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 36.0833% | 1,048 |
| Efficiency ratio | 72.3852% | 1,926 |
| Assets per employee ($millions) | 5.8547% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1691% | 462 |
| Loan loss allowance to noncurrent loans | 306.2903% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 1,221 |
| Noncurrent loans to loans | 0.7082% | 1,343 |
| Net loans and leases to total assets | 54.1822% | 2,735 |
| Net loans and leases to deposits | 59.5790% | 2,946 |
| Net loans and leases to core deposits | 61.4509% | 3,026 |
| Total domestic deposits to total assets | 90.9417% | 1,066 |
| Equity capital to assets | 8.7534% | 2,929 |
| Core capital (leverage) ratio | 10.8723% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,818,000 | 3,453 |
| Average earning assets | $143,060,000 | 3,479 |
| Average equity | $15,186,500 | 3,547 |
| Average total loans | $86,845,500 | 3,377 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 1,200 |
| Cost of funding earning assets | 0.5276% | 799 |
| Net interest margin | 3.5498% | 1,603 |
| Noninterest income to average assets | 1.8074% | 367 |
| Noninterest expense to average assets | 2.7965% | 1,370 |
| Loan and lease loss provision to assets | 0.1233% | 992 |
| Net operating income to assets | 2.1014% | 289 |
| Return on assets (ROA) | 2.1040% | 303 |
| Pretax return on assets | 2.1040% | 492 |
| Return on Equity (ROE) | 19.4640% | 344 |
| Retained earnings to average equity (ytd only) | 7.1024% | 1,882 |
| Net charge-offs to loans | 0.0659% | 1,134 |
| Credit loss provision to net charge-offs | 327.5862% | 1,022 |
| Earnings coverage of net charge-offs (x) | 59.1034% | 1,185 |
| Efficiency ratio | 55.6934% | 3,736 |
| Assets per employee ($millions) | 5.5557% | 3,210 |
| Cash dividends to net income (ytd only)* | 63.5102% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1836% | 460 |
| Loan loss allowance to noncurrent loans | 250.4660% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 947 |
| Noncurrent loans to loans | 0.8718% | 1,167 |
| Net loans and leases to total assets | 54.1669% | 2,828 |
| Net loans and leases to deposits | 60.8429% | 3,002 |
| Net loans and leases to core deposits | 62.7187% | 3,097 |
| Total domestic deposits to total assets | 89.0274% | 1,503 |
| Equity capital to assets | 10.6300% | 2,064 |
| Core capital (leverage) ratio | 10.5646% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,084,800 | 3,450 |
| Average earning assets | $139,499,200 | 3,479 |
| Average equity | $16,656,400 | 3,489 |
| Average total loans | $87,996,800 | 3,362 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 1,291 |
| Cost of funding earning assets | 0.5609% | 786 |
| Net interest margin | 3.5478% | 1,737 |
| Noninterest income to average assets | 2.2448% | 283 |
| Noninterest expense to average assets | 2.8242% | 1,285 |
| Loan and lease loss provision to assets | 0.1386% | 821 |
| Net operating income to assets | 2.4859% | 217 |
| Return on assets (ROA) | 2.4859% | 220 |
| Pretax return on assets | 2.4859% | 342 |
| Return on Equity (ROE) | 22.9002% | 256 |
| Retained earnings to average equity (ytd only) | 18.5614% | 178 |
| Net charge-offs to loans | 0.0934% | 776 |
| Credit loss provision to net charge-offs | 258.0645% | 1,079 |
| Earnings coverage of net charge-offs (x) | 48.8065% | 1,257 |
| Efficiency ratio | 51.8306% | 4,037 |
| Assets per employee ($millions) | 5.5778% | 3,113 |
| Cash dividends to net income (ytd only)* | 18.9463% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 516 |
| Loan loss allowance to noncurrent loans | 192.3958% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 1,048 |
| Noncurrent loans to loans | 1.1050% | 1,012 |
| Net loans and leases to total assets | 54.4466% | 2,920 |
| Net loans and leases to deposits | 61.7779% | 3,061 |
| Net loans and leases to core deposits | 63.8650% | 3,153 |
| Total domestic deposits to total assets | 88.1327% | 1,759 |
| Equity capital to assets | 11.5100% | 1,666 |
| Core capital (leverage) ratio | 11.2465% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,716,000 | 3,487 |
| Average earning assets | $138,822,500 | 3,519 |
| Average equity | $16,686,500 | 3,538 |
| Average total loans | $88,460,250 | 3,403 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 1,303 |
| Cost of funding earning assets | 0.5846% | 803 |
| Net interest margin | 3.5410% | 1,745 |
| Noninterest income to average assets | 0.6501% | 2,006 |
| Noninterest expense to average assets | 2.6659% | 1,676 |
| Loan and lease loss provision to assets | 0.1570% | 746 |
| Net operating income to assets | 1.0203% | 2,826 |
| Return on assets (ROA) | 1.0203% | 2,903 |
| Pretax return on assets | 1.0203% | 3,396 |
| Return on Equity (ROE) | 9.5961% | 2,913 |
| Retained earnings to average equity (ytd only) | 6.5081% | 2,622 |
| Net charge-offs to loans | 0.0607% | 1,005 |
| Credit loss provision to net charge-offs | 444.4444% | 723 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 1,255 |
| Efficiency ratio | 69.3669% | 1,719 |
| Assets per employee ($millions) | 5.6742% | 2,939 |
| Cash dividends to net income (ytd only)* | 32.1795% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0954% | 510 |
| Loan loss allowance to noncurrent loans | 245.9279% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 1,482 |
| Noncurrent loans to loans | 0.8520% | 1,447 |
| Net loans and leases to total assets | 54.1708% | 3,111 |
| Net loans and leases to deposits | 63.3511% | 3,068 |
| Net loans and leases to core deposits | 65.7175% | 3,138 |
| Total domestic deposits to total assets | 85.5089% | 2,908 |
| Equity capital to assets | 10.2948% | 2,584 |
| Core capital (leverage) ratio | 10.2787% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,895,667 | 3,503 |
| Average earning assets | $137,869,000 | 3,542 |
| Average equity | $16,256,667 | 3,578 |
| Average total loans | $88,987,000 | 3,416 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 1,092 |
| Cost of funding earning assets | 0.6117% | 836 |
| Net interest margin | 3.6582% | 1,431 |
| Noninterest income to average assets | 0.6537% | 2,014 |
| Noninterest expense to average assets | 2.9005% | 1,155 |
| Loan and lease loss provision to assets | 0.1601% | 790 |
| Net operating income to assets | 0.8966% | 3,129 |
| Return on assets (ROA) | 0.8966% | 3,210 |
| Pretax return on assets | 0.8966% | 3,606 |
| Return on Equity (ROE) | 8.2927% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.2927% | 2,156 |
| Net charge-offs to loans | 0.0715% | 841 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,168 |
| Efficiency ratio | 73.2974% | 1,372 |
| Assets per employee ($millions) | 5.0438% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 551 |
| Loan loss allowance to noncurrent loans | 277.5542% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 1,812 |
| Noncurrent loans to loans | 0.7342% | 1,768 |
| Net loans and leases to total assets | 56.9606% | 2,913 |
| Net loans and leases to deposits | 66.9473% | 2,817 |
| Net loans and leases to core deposits | 69.5484% | 2,900 |
| Total domestic deposits to total assets | 85.0828% | 3,061 |
| Equity capital to assets | 10.6790% | 2,106 |
| Core capital (leverage) ratio | 10.6910% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,905,000 | 3,533 |
| Average earning assets | $135,367,000 | 3,571 |
| Average equity | $16,207,000 | 3,587 |
| Average total loans | $89,527,000 | 3,416 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,065 |
| Cost of funding earning assets | 0.8054% | 1,184 |
| Net interest margin | 3.8142% | 1,461 |
| Noninterest income to average assets | 0.6506% | 2,025 |
| Noninterest expense to average assets | 2.7021% | 2,232 |
| Loan and lease loss provision to assets | 0.1632% | 2,335 |
| Net operating income to assets | 1.2242% | 1,466 |
| Return on assets (ROA) | 1.2242% | 1,579 |
| Pretax return on assets | 1.2242% | 2,246 |
| Return on Equity (ROE) | 10.8339% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.5089% | 2,526 |
| Net charge-offs to loans | 0.2028% | 851 |
| Credit loss provision to net charge-offs | 125.1366% | 2,594 |
| Earnings coverage of net charge-offs (x) | 10.6393% | 2,447 |
| Efficiency ratio | 66.0742% | 2,520 |
| Assets per employee ($millions) | 5.1205% | 3,264 |
| Cash dividends to net income (ytd only)* | 58.3818% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 692 |
| Loan loss allowance to noncurrent loans | 321.5074% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 2,169 |
| Noncurrent loans to loans | 0.5973% | 2,202 |
| Net loans and leases to total assets | 60.1515% | 2,845 |
| Net loans and leases to deposits | 70.9693% | 2,780 |
| Net loans and leases to core deposits | 74.2852% | 2,890 |
| Total domestic deposits to total assets | 84.7571% | 2,853 |
| Equity capital to assets | 10.9465% | 2,303 |
| Core capital (leverage) ratio | 10.4795% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,334,600 | 3,507 |
| Average earning assets | $126,526,200 | 3,548 |
| Average equity | $15,857,600 | 3,570 |
| Average total loans | $90,222,200 | 3,397 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,193 |
| Cost of funding earning assets | 0.8301% | 1,358 |
| Net interest margin | 3.8140% | 1,580 |
| Noninterest income to average assets | 0.6498% | 1,987 |
| Noninterest expense to average assets | 2.7863% | 2,009 |
| Loan and lease loss provision to assets | 0.1302% | 2,720 |
| Net operating income to assets | 1.1752% | 1,728 |
| Return on assets (ROA) | 1.1752% | 1,849 |
| Pretax return on assets | 1.1752% | 2,470 |
| Return on Equity (ROE) | 10.3139% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.5911% | 1,850 |
| Net charge-offs to loans | 0.1644% | 895 |
| Credit loss provision to net charge-offs | 121.6216% | 2,492 |
| Earnings coverage of net charge-offs (x) | 12.1982% | 2,259 |
| Efficiency ratio | 68.0961% | 2,176 |
| Assets per employee ($millions) | 5.2505% | 2,948 |
| Cash dividends to net income (ytd only)* | 36.0952% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8528% | 644 |
| Loan loss allowance to noncurrent loans | 308.2143% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,286 |
| Noncurrent loans to loans | 0.6011% | 2,302 |
| Net loans and leases to total assets | 62.1931% | 2,984 |
| Net loans and leases to deposits | 74.2969% | 2,929 |
| Net loans and leases to core deposits | 78.0050% | 3,010 |
| Total domestic deposits to total assets | 83.7089% | 2,921 |
| Equity capital to assets | 11.0881% | 2,333 |
| Core capital (leverage) ratio | 10.6186% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,294,500 | 3,525 |
| Average earning assets | $124,801,250 | 3,557 |
| Average equity | $15,758,250 | 3,580 |
| Average total loans | $90,010,000 | 3,413 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 1,574 |
| Cost of funding earning assets | 0.8605% | 1,541 |
| Net interest margin | 3.7751% | 1,898 |
| Noninterest income to average assets | 0.7253% | 1,653 |
| Noninterest expense to average assets | 2.7713% | 2,160 |
| Loan and lease loss provision to assets | 0.1330% | 2,684 |
| Net operating income to assets | 1.2172% | 1,594 |
| Return on assets (ROA) | 1.2172% | 1,716 |
| Pretax return on assets | 1.2172% | 2,306 |
| Return on Equity (ROE) | 10.5795% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.5509% | 1,149 |
| Net charge-offs to loans | 0.2248% | 693 |
| Credit loss provision to net charge-offs | 90.0000% | 2,462 |
| Earnings coverage of net charge-offs (x) | 9.1400% | 2,242 |
| Efficiency ratio | 67.2401% | 2,346 |
| Assets per employee ($millions) | 5.0083% | 3,164 |
| Cash dividends to net income (ytd only)* | 19.1748% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 594 |
| Loan loss allowance to noncurrent loans | 654.0541% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 2,754 |
| Noncurrent loans to loans | 0.2821% | 3,371 |
| Net loans and leases to total assets | 62.0486% | 3,122 |
| Net loans and leases to deposits | 73.5361% | 3,120 |
| Net loans and leases to core deposits | 76.8876% | 3,210 |
| Total domestic deposits to total assets | 84.3784% | 2,604 |
| Equity capital to assets | 11.1683% | 2,196 |
| Core capital (leverage) ratio | 10.9846% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,388,333 | 3,541 |
| Average earning assets | $121,796,667 | 3,579 |
| Average equity | $15,577,333 | 3,596 |
| Average total loans | $88,960,667 | 3,436 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 1,199 |
| Cost of funding earning assets | 0.9089% | 1,818 |
| Net interest margin | 3.9877% | 1,424 |
| Noninterest income to average assets | 0.7880% | 1,350 |
| Noninterest expense to average assets | 2.9986% | 1,890 |
| Loan and lease loss provision to assets | 0.1380% | 2,006 |
| Net operating income to assets | 1.2295% | 1,430 |
| Return on assets (ROA) | 1.2295% | 1,533 |
| Pretax return on assets | 1.2295% | 2,100 |
| Return on Equity (ROE) | 10.5142% | 1,568 |
| Retained earnings to average equity (ytd only) | 10.5142% | 640 |
| Net charge-offs to loans | 0.3747% | 382 |
| Credit loss provision to net charge-offs | 54.8780% | 2,039 |
| Earnings coverage of net charge-offs (x) | 5.4390% | 2,057 |
| Efficiency ratio | 68.6798% | 2,559 |
| Assets per employee ($millions) | 4.3894% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 612 |
| Loan loss allowance to noncurrent loans | 206.6998% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 2,172 |
| Noncurrent loans to loans | 0.9169% | 1,786 |
| Net loans and leases to total assets | 65.4903% | 2,876 |
| Net loans and leases to deposits | 78.4933% | 2,836 |
| Net loans and leases to core deposits | 82.4906% | 2,979 |
| Total domestic deposits to total assets | 83.4343% | 2,967 |
| Equity capital to assets | 11.7123% | 2,277 |
| Core capital (leverage) ratio | 11.4780% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,462,000 | 3,579 |
| Average earning assets | $117,060,500 | 3,614 |
| Average equity | $15,255,500 | 3,636 |
| Average total loans | $87,534,000 | 3,452 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 1,400 |
| Cost of funding earning assets | 0.7726% | 2,819 |
| Net interest margin | 4.2564% | 1,191 |
| Noninterest income to average assets | 0.8847% | 1,205 |
| Noninterest expense to average assets | 2.9325% | 2,200 |
| Loan and lease loss provision to assets | 0.1479% | 1,450 |
| Net operating income to assets | 1.6872% | 678 |
| Return on assets (ROA) | 1.6872% | 726 |
| Pretax return on assets | 1.6872% | 1,224 |
| Return on Equity (ROE) | 14.5288% | 790 |
| Retained earnings to average equity (ytd only) | 10.1009% | 471 |
| Net charge-offs to loans | 0.2538% | 812 |
| Credit loss provision to net charge-offs | 84.5070% | 2,739 |
| Earnings coverage of net charge-offs (x) | 10.4883% | 2,569 |
| Efficiency ratio | 61.5093% | 3,451 |
| Assets per employee ($millions) | 4.4566% | 3,290 |
| Cash dividends to net income (ytd only)* | 30.4771% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 492 |
| Loan loss allowance to noncurrent loans | 271.6108% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 2,377 |
| Noncurrent loans to loans | 0.7193% | 2,080 |
| Net loans and leases to total assets | 66.1240% | 2,933 |
| Net loans and leases to deposits | 79.2853% | 2,868 |
| Net loans and leases to core deposits | 83.3992% | 3,008 |
| Total domestic deposits to total assets | 83.4001% | 3,074 |
| Equity capital to assets | 11.6742% | 2,370 |
| Core capital (leverage) ratio | 11.4503% | 2,150 |
| Tier 1 risk-based capital ratio | 17.3588% | 1,936 |
| Total risk-based capital ratio | 18.6178% | 1,886 |
| Memoranda: | ||
| Average total assets | $121,739,200 | 3,672 |
| Average earning assets | $111,055,800 | 3,692 |
| Average equity | $14,137,400 | 3,733 |
| Average total loans | $83,929,600 | 3,527 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 1,451 |
| Cost of funding earning assets | 0.7566% | 2,938 |
| Net interest margin | 4.2807% | 1,198 |
| Noninterest income to average assets | 0.8865% | 1,171 |
| Noninterest expense to average assets | 2.8131% | 2,528 |
| Loan and lease loss provision to assets | 0.1502% | 1,263 |
| Net operating income to assets | 1.8443% | 564 |
| Return on assets (ROA) | 1.8443% | 589 |
| Pretax return on assets | 1.8443% | 989 |
| Return on Equity (ROE) | 15.9040% | 622 |
| Retained earnings to average equity (ytd only) | 9.8992% | 777 |
| Net charge-offs to loans | 0.2615% | 666 |
| Credit loss provision to net charge-offs | 82.8221% | 2,467 |
| Earnings coverage of net charge-offs (x) | 10.9999% | 2,461 |
| Efficiency ratio | 58.5146% | 3,861 |
| Assets per employee ($millions) | 4.4559% | 3,277 |
| Cash dividends to net income (ytd only)* | 37.7565% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 491 |
| Loan loss allowance to noncurrent loans | 298.0803% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,689 |
| Noncurrent loans to loans | 0.6607% | 2,306 |
| Net loans and leases to total assets | 68.1409% | 2,770 |
| Net loans and leases to deposits | 81.9953% | 2,682 |
| Net loans and leases to core deposits | 86.8592% | 2,832 |
| Total domestic deposits to total assets | 83.1034% | 3,127 |
| Equity capital to assets | 11.7485% | 2,463 |
| Core capital (leverage) ratio | 11.8519% | 1,959 |
| Tier 1 risk-based capital ratio | 17.4901% | 1,947 |
| Total risk-based capital ratio | 18.7499% | 1,916 |
| Memoranda: | ||
| Average total assets | $119,863,500 | 3,745 |
| Average earning assets | $109,792,750 | 3,756 |
| Average equity | $13,899,750 | 3,796 |
| Average total loans | $83,121,250 | 3,575 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 1,541 |
| Cost of funding earning assets | 0.7266% | 3,009 |
| Net interest margin | 4.2508% | 1,236 |
| Noninterest income to average assets | 0.8999% | 1,074 |
| Noninterest expense to average assets | 2.8656% | 2,369 |
| Loan and lease loss provision to assets | 0.1522% | 1,198 |
| Net operating income to assets | 1.7914% | 609 |
| Return on assets (ROA) | 1.7914% | 631 |
| Pretax return on assets | 1.7914% | 1,054 |
| Return on Equity (ROE) | 15.5199% | 666 |
| Retained earnings to average equity (ytd only) | 9.4087% | 930 |
| Net charge-offs to loans | 0.1953% | 850 |
| Credit loss provision to net charge-offs | 112.5000% | 1,822 |
| Earnings coverage of net charge-offs (x) | 14.3625% | 2,042 |
| Efficiency ratio | 59.5849% | 3,788 |
| Assets per employee ($millions) | 4.1098% | 3,712 |
| Cash dividends to net income (ytd only)* | 39.3768% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 418 |
| Loan loss allowance to noncurrent loans | 343.5039% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,420 |
| Noncurrent loans to loans | 0.6005% | 2,473 |
| Net loans and leases to total assets | 69.5113% | 2,600 |
| Net loans and leases to deposits | 79.1643% | 3,039 |
| Net loans and leases to core deposits | 83.3874% | 3,166 |
| Total domestic deposits to total assets | 87.8064% | 1,192 |
| Equity capital to assets | 11.8866% | 2,272 |
| Core capital (leverage) ratio | 11.7108% | 2,012 |
| Tier 1 risk-based capital ratio | 17.4878% | 1,943 |
| Total risk-based capital ratio | 18.7488% | 1,900 |
| Memoranda: | ||
| Average total assets | $118,229,670 | 3,790 |
| Average earning assets | $108,732,670 | 3,794 |
| Average equity | $13,647,000 | 3,837 |
| Average total loans | $81,920,330 | 3,623 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,612 |
| Cost of funding earning assets | 0.6796% | 3,152 |
| Net interest margin | 4.2133% | 1,281 |
| Noninterest income to average assets | 0.8628% | 1,135 |
| Noninterest expense to average assets | 2.7583% | 2,710 |
| Loan and lease loss provision to assets | 0.1529% | 1,094 |
| Net operating income to assets | 1.8480% | 510 |
| Return on assets (ROA) | 1.8480% | 524 |
| Pretax return on assets | 1.8480% | 877 |
| Return on Equity (ROE) | 16.2546% | 562 |
| Retained earnings to average equity (ytd only) | 16.2546% | 214 |
| Net charge-offs to loans | 0.3078% | 489 |
| Credit loss provision to net charge-offs | 72.5806% | 1,833 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,022 |
| Efficiency ratio | 57.9586% | 4,082 |
| Assets per employee ($millions) | 4.2449% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 413 |
| Loan loss allowance to noncurrent loans | 435.1899% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 3,273 |
| Noncurrent loans to loans | 0.4846% | 2,857 |
| Net loans and leases to total assets | 67.1350% | 2,882 |
| Net loans and leases to deposits | 76.2069% | 3,239 |
| Net loans and leases to core deposits | 80.2886% | 3,338 |
| Total domestic deposits to total assets | 88.0957% | 1,284 |
| Equity capital to assets | 11.6326% | 2,290 |
| Core capital (leverage) ratio | 11.9090% | 1,824 |
| Tier 1 risk-based capital ratio | 18.1523% | 1,758 |
| Total risk-based capital ratio | 19.4157% | 1,703 |
| Memoranda: | ||
| Average total assets | $117,752,000 | 3,840 |
| Average earning assets | $108,894,500 | 3,832 |
| Average equity | $13,387,000 | 3,893 |
| Average total loans | $80,584,500 | 3,680 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 1,457 |
| Cost of funding earning assets | 0.5178% | 3,239 |
| Net interest margin | 4.3185% | 1,110 |
| Noninterest income to average assets | 0.9741% | 1,000 |
| Noninterest expense to average assets | 2.8310% | 2,577 |
| Loan and lease loss provision to assets | 0.1580% | 1,307 |
| Net operating income to assets | 1.9955% | 365 |
| Return on assets (ROA) | 1.9955% | 363 |
| Pretax return on assets | 1.9955% | 568 |
| Return on Equity (ROE) | 17.6849% | 421 |
| Retained earnings to average equity (ytd only) | 4.8451% | 2,865 |
| Net charge-offs to loans | 0.2003% | 955 |
| Credit loss provision to net charge-offs | 116.1290% | 2,234 |
| Earnings coverage of net charge-offs (x) | 15.8323% | 2,298 |
| Efficiency ratio | 56.7958% | 4,307 |
| Assets per employee ($millions) | 4.1660% | 3,662 |
| Cash dividends to net income (ytd only)* | 72.6033% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1794% | 342 |
| Loan loss allowance to noncurrent loans | 319.1176% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 2,636 |
| Noncurrent loans to loans | 0.6829% | 2,284 |
| Net loans and leases to total assets | 66.7993% | 3,028 |
| Net loans and leases to deposits | 75.3411% | 3,403 |
| Net loans and leases to core deposits | 78.4203% | 3,543 |
| Total domestic deposits to total assets | 88.6625% | 999 |
| Equity capital to assets | 11.1001% | 2,591 |
| Core capital (leverage) ratio | 11.4732% | 2,128 |
| Tier 1 risk-based capital ratio | 17.8087% | 1,812 |
| Total risk-based capital ratio | 19.0719% | 1,765 |
| Memoranda: | ||
| Average total assets | $113,954,200 | 3,884 |
| Average earning assets | $105,824,400 | 3,880 |
| Average equity | $12,858,400 | 3,904 |
| Average total loans | $77,392,200 | 3,719 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 1,517 |
| Cost of funding earning assets | 0.4927% | 3,247 |
| Net interest margin | 4.2687% | 1,188 |
| Noninterest income to average assets | 0.9840% | 987 |
| Noninterest expense to average assets | 2.7200% | 2,920 |
| Loan and lease loss provision to assets | 0.1589% | 1,217 |
| Net operating income to assets | 2.0715% | 329 |
| Return on assets (ROA) | 2.0715% | 328 |
| Pretax return on assets | 2.0715% | 525 |
| Return on Equity (ROE) | 18.2815% | 399 |
| Retained earnings to average equity (ytd only) | 9.1407% | 1,168 |
| Net charge-offs to loans | 0.2482% | 685 |
| Credit loss provision to net charge-offs | 94.4056% | 2,369 |
| Earnings coverage of net charge-offs (x) | 13.2519% | 2,379 |
| Efficiency ratio | 54.9453% | 4,514 |
| Assets per employee ($millions) | 4.1827% | 3,596 |
| Cash dividends to net income (ytd only)* | 49.9998% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1522% | 392 |
| Loan loss allowance to noncurrent loans | 599.6479% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,703 |
| Noncurrent loans to loans | 0.3589% | 3,360 |
| Net loans and leases to total assets | 68.5577% | 2,856 |
| Net loans and leases to deposits | 77.7172% | 3,262 |
| Net loans and leases to core deposits | 80.2639% | 3,475 |
| Total domestic deposits to total assets | 88.2144% | 1,149 |
| Equity capital to assets | 11.4819% | 2,271 |
| Core capital (leverage) ratio | 11.9440% | 1,819 |
| Tier 1 risk-based capital ratio | 18.3738% | 1,698 |
| Total risk-based capital ratio | 19.6363% | 1,650 |
| Memoranda: | ||
| Average total assets | $113,280,750 | 3,935 |
| Average earning assets | $105,260,750 | 3,932 |
| Average equity | $12,836,000 | 3,938 |
| Average total loans | $76,826,250 | 3,762 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,495 |
| Cost of funding earning assets | 0.4722% | 3,208 |
| Net interest margin | 4.2327% | 1,207 |
| Noninterest income to average assets | 0.9524% | 1,049 |
| Noninterest expense to average assets | 2.7320% | 2,900 |
| Loan and lease loss provision to assets | 0.1587% | 1,179 |
| Net operating income to assets | 1.9983% | 384 |
| Return on assets (ROA) | 1.9983% | 381 |
| Pretax return on assets | 1.9983% | 607 |
| Return on Equity (ROE) | 17.7137% | 453 |
| Retained earnings to average equity (ytd only) | 9.8184% | 979 |
| Net charge-offs to loans | 0.3208% | 499 |
| Credit loss provision to net charge-offs | 73.7705% | 2,314 |
| Earnings coverage of net charge-offs (x) | 10.0246% | 2,357 |
| Efficiency ratio | 55.8802% | 4,490 |
| Assets per employee ($millions) | 4.2019% | 3,576 |
| Cash dividends to net income (ytd only)* | 44.5719% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 393 |
| Loan loss allowance to noncurrent loans | 663.6364% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 3,888 |
| Noncurrent loans to loans | 0.3274% | 3,526 |
| Net loans and leases to total assets | 66.6270% | 3,060 |
| Net loans and leases to deposits | 75.3749% | 3,404 |
| Net loans and leases to core deposits | 77.8329% | 3,594 |
| Total domestic deposits to total assets | 88.3941% | 1,186 |
| Equity capital to assets | 11.3362% | 2,323 |
| Core capital (leverage) ratio | 11.8060% | 1,834 |
| Tier 1 risk-based capital ratio | 18.3425% | 1,716 |
| Total risk-based capital ratio | 19.6046% | 1,676 |
| Memoranda: | ||
| Average total assets | $113,396,330 | 3,960 |
| Average earning assets | $105,465,330 | 3,958 |
| Average equity | $12,792,330 | 3,963 |
| Average total loans | $76,059,000 | 3,806 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 1,495 |
| Cost of funding earning assets | 0.4656% | 3,081 |
| Net interest margin | 4.1600% | 1,272 |
| Noninterest income to average assets | 0.9209% | 1,094 |
| Noninterest expense to average assets | 2.5651% | 3,441 |
| Loan and lease loss provision to assets | 0.1588% | 1,139 |
| Net operating income to assets | 2.0746% | 314 |
| Return on assets (ROA) | 2.0746% | 314 |
| Pretax return on assets | 2.0746% | 493 |
| Return on Equity (ROE) | 18.4355% | 368 |
| Retained earnings to average equity (ytd only) | 18.4355% | 140 |
| Net charge-offs to loans | 0.0530% | 1,574 |
| Credit loss provision to net charge-offs | 450.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 63.3000% | 817 |
| Efficiency ratio | 53.4559% | 4,847 |
| Assets per employee ($millions) | 4.2093% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2834% | 333 |
| Loan loss allowance to noncurrent loans | 545.6250% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,733 |
| Noncurrent loans to loans | 0.4185% | 3,284 |
| Net loans and leases to total assets | 65.7434% | 3,073 |
| Net loans and leases to deposits | 74.3026% | 3,389 |
| Net loans and leases to core deposits | 76.4050% | 3,636 |
| Total domestic deposits to total assets | 88.4805% | 1,363 |
| Equity capital to assets | 11.3206% | 2,285 |
| Core capital (leverage) ratio | 11.7647% | 1,805 |
| Tier 1 risk-based capital ratio | 18.6352% | 1,654 |
| Total risk-based capital ratio | 19.9004% | 1,609 |
| Memoranda: | ||
| Average total assets | $113,369,000 | 4,006 |
| Average earning assets | $105,673,000 | 3,994 |
| Average equity | $12,758,000 | 4,002 |
| Average total loans | $75,454,500 | 3,849 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 1,816 |
| Cost of funding earning assets | 0.4565% | 2,709 |
| Net interest margin | 4.0122% | 1,712 |
| Noninterest income to average assets | 0.8555% | 1,395 |
| Noninterest expense to average assets | 2.5738% | 3,529 |
| Loan and lease loss provision to assets | 0.1633% | 1,359 |
| Net operating income to assets | 1.9614% | 305 |
| Return on assets (ROA) | 1.9614% | 307 |
| Pretax return on assets | 1.9614% | 532 |
| Return on Equity (ROE) | 17.0475% | 392 |
| Retained earnings to average equity (ytd only) | 4.9203% | 2,175 |
| Net charge-offs to loans | 0.2545% | 1,028 |
| Credit loss provision to net charge-offs | 95.7447% | 2,695 |
| Earnings coverage of net charge-offs (x) | 12.4574% | 2,474 |
| Efficiency ratio | 54.7789% | 4,881 |
| Assets per employee ($millions) | 4.3495% | 3,417 |
| Cash dividends to net income (ytd only)* | 71.1378% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2983% | 311 |
| Loan loss allowance to noncurrent loans | 533.0218% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,752 |
| Noncurrent loans to loans | 0.4312% | 3,244 |
| Net loans and leases to total assets | 64.3169% | 3,333 |
| Net loans and leases to deposits | 72.5780% | 3,641 |
| Net loans and leases to core deposits | 74.6602% | 3,833 |
| Total domestic deposits to total assets | 88.6176% | 1,184 |
| Equity capital to assets | 11.1861% | 2,443 |
| Core capital (leverage) ratio | 11.2132% | 2,151 |
| Tier 1 risk-based capital ratio | 18.2166% | 1,736 |
| Total risk-based capital ratio | 19.4819% | 1,685 |
| Memoranda: | ||
| Average total assets | $110,225,400 | 4,058 |
| Average earning assets | $105,577,200 | 3,994 |
| Average equity | $12,682,200 | 4,032 |
| Average total loans | $73,868,400 | 3,873 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,073 |
| Cost of funding earning assets | 0.4511% | 2,706 |
| Net interest margin | 3.9093% | 2,011 |
| Noninterest income to average assets | 0.9192% | 1,214 |
| Noninterest expense to average assets | 2.5604% | 3,534 |
| Loan and lease loss provision to assets | 0.1644% | 1,231 |
| Net operating income to assets | 1.9614% | 340 |
| Return on assets (ROA) | 1.9614% | 346 |
| Pretax return on assets | 1.9614% | 595 |
| Return on Equity (ROE) | 16.9260% | 435 |
| Retained earnings to average equity (ytd only) | 8.6469% | 966 |
| Net charge-offs to loans | 0.1790% | 1,177 |
| Credit loss provision to net charge-offs | 136.3636% | 1,807 |
| Earnings coverage of net charge-offs (x) | 17.6359% | 2,094 |
| Efficiency ratio | 54.6376% | 4,889 |
| Assets per employee ($millions) | 4.2430% | 3,571 |
| Cash dividends to net income (ytd only)* | 48.9136% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3867% | 305 |
| Loan loss allowance to noncurrent loans | 517.6991% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,840 |
| Noncurrent loans to loans | 0.4610% | 3,321 |
| Net loans and leases to total assets | 65.0622% | 3,235 |
| Net loans and leases to deposits | 74.5647% | 3,513 |
| Net loans and leases to core deposits | 76.5366% | 3,763 |
| Total domestic deposits to total assets | 87.2560% | 1,749 |
| Equity capital to assets | 11.8883% | 2,045 |
| Core capital (leverage) ratio | 11.6170% | 1,939 |
| Tier 1 risk-based capital ratio | 19.6763% | 1,443 |
| Total risk-based capital ratio | 20.9445% | 1,396 |
| Memoranda: | ||
| Average total assets | $109,510,000 | 4,111 |
| Average earning assets | $105,523,000 | 4,036 |
| Average equity | $12,690,250 | 4,072 |
| Average total loans | $73,724,250 | 3,912 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 1,851 |
| Cost of funding earning assets | 0.4499% | 2,601 |
| Net interest margin | 3.9392% | 1,809 |
| Noninterest income to average assets | 0.8184% | 1,505 |
| Noninterest expense to average assets | 2.5540% | 3,571 |
| Loan and lease loss provision to assets | 0.1648% | 1,209 |
| Net operating income to assets | 1.8986% | 376 |
| Return on assets (ROA) | 1.8986% | 385 |
| Pretax return on assets | 1.8986% | 656 |
| Return on Equity (ROE) | 16.5276% | 456 |
| Retained earnings to average equity (ytd only) | 9.5468% | 693 |
| Net charge-offs to loans | 0.1789% | 1,108 |
| Credit loss provision to net charge-offs | 136.3636% | 1,624 |
| Earnings coverage of net charge-offs (x) | 17.0758% | 1,945 |
| Efficiency ratio | 55.3132% | 4,893 |
| Assets per employee ($millions) | 4.2437% | 3,534 |
| Cash dividends to net income (ytd only)* | 42.2372% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 341 |
| Loan loss allowance to noncurrent loans | 694.4223% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 4,235 |
| Noncurrent loans to loans | 0.3411% | 3,823 |
| Net loans and leases to total assets | 65.1045% | 3,236 |
| Net loans and leases to deposits | 74.1096% | 3,535 |
| Net loans and leases to core deposits | 75.7932% | 3,793 |
| Total domestic deposits to total assets | 87.8488% | 1,532 |
| Equity capital to assets | 11.7370% | 2,123 |
| Core capital (leverage) ratio | 11.4428% | 2,008 |
| Tier 1 risk-based capital ratio | 19.7566% | 1,420 |
| Total risk-based capital ratio | 21.0252% | 1,382 |
| Memoranda: | ||
| Average total assets | $109,240,330 | 4,139 |
| Average earning assets | $105,351,000 | 4,065 |
| Average equity | $12,548,670 | 4,101 |
| Average total loans | $73,788,670 | 3,928 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 1,730 |
| Cost of funding earning assets | 0.4498% | 2,526 |
| Net interest margin | 3.9258% | 1,689 |
| Noninterest income to average assets | 0.7986% | 1,559 |
| Noninterest expense to average assets | 2.4289% | 4,033 |
| Loan and lease loss provision to assets | 0.1656% | 1,080 |
| Net operating income to assets | 1.9946% | 304 |
| Return on assets (ROA) | 1.9946% | 316 |
| Pretax return on assets | 1.9946% | 509 |
| Return on Equity (ROE) | 17.5575% | 370 |
| Retained earnings to average equity (ytd only) | 17.5575% | 151 |
| Net charge-offs to loans | 0.2111% | 834 |
| Credit loss provision to net charge-offs | 115.3846% | 1,437 |
| Earnings coverage of net charge-offs (x) | 15.0513% | 1,695 |
| Efficiency ratio | 52.9270% | 5,213 |
| Assets per employee ($millions) | 4.2512% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3573% | 376 |
| Loan loss allowance to noncurrent loans | 1,098.0892% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 4,433 |
| Noncurrent loans to loans | 0.2147% | 4,338 |
| Net loans and leases to total assets | 64.6072% | 3,183 |
| Net loans and leases to deposits | 73.1805% | 3,483 |
| Net loans and leases to core deposits | 74.8245% | 3,754 |
| Total domestic deposits to total assets | 88.2847% | 1,544 |
| Equity capital to assets | 11.4927% | 2,184 |
| Core capital (leverage) ratio | 11.7804% | 1,767 |
| Tier 1 risk-based capital ratio | 19.9368% | 1,411 |
| Total risk-based capital ratio | 21.2064% | 1,373 |
| Memoranda: | ||
| Average total assets | $108,693,000 | 4,196 |
| Average earning assets | $104,946,500 | 4,103 |
| Average equity | $12,348,000 | 4,156 |
| Average total loans | $73,895,000 | 3,955 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 1,557 |
| Cost of funding earning assets | 0.4643% | 2,404 |
| Net interest margin | 4.0276% | 1,564 |
| Noninterest income to average assets | 0.8380% | 1,627 |
| Noninterest expense to average assets | 2.6567% | 3,501 |
| Loan and lease loss provision to assets | 0.2298% | 943 |
| Net operating income to assets | 1.8397% | 410 |
| Return on assets (ROA) | 1.8397% | 426 |
| Pretax return on assets | 1.8397% | 715 |
| Return on Equity (ROE) | 15.3589% | 579 |
| Retained earnings to average equity (ytd only) | 3.3900% | 3,512 |
| Net charge-offs to loans | 0.1636% | 1,644 |
| Credit loss provision to net charge-offs | 201.6807% | 1,405 |
| Earnings coverage of net charge-offs (x) | 18.1597% | 1,984 |
| Efficiency ratio | 56.2107% | 5,047 |
| Assets per employee ($millions) | 4.1098% | 3,769 |
| Cash dividends to net income (ytd only)* | 77.9282% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3026% | 399 |
| Loan loss allowance to noncurrent loans | 540.5660% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 4,082 |
| Noncurrent loans to loans | 0.4260% | 3,616 |
| Net loans and leases to total assets | 68.2570% | 2,731 |
| Net loans and leases to deposits | 77.8665% | 3,119 |
| Net loans and leases to core deposits | 79.6810% | 3,420 |
| Total domestic deposits to total assets | 87.6590% | 1,808 |
| Equity capital to assets | 11.2236% | 2,391 |
| Core capital (leverage) ratio | 11.1062% | 2,253 |
| Tier 1 risk-based capital ratio | 18.9345% | 1,617 |
| Total risk-based capital ratio | 20.2064% | 1,580 |
| Memoranda: | ||
| Average total assets | $104,416,600 | 4,274 |
| Average earning assets | $100,803,400 | 4,189 |
| Average equity | $12,507,400 | 4,169 |
| Average total loans | $72,731,800 | 3,974 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,516 |
| Cost of funding earning assets | 0.4697% | 2,367 |
| Net interest margin | 4.0366% | 1,562 |
| Noninterest income to average assets | 0.8336% | 1,631 |
| Noninterest expense to average assets | 2.6253% | 3,579 |
| Loan and lease loss provision to assets | 0.2312% | 860 |
| Net operating income to assets | 1.8624% | 438 |
| Return on assets (ROA) | 1.8624% | 456 |
| Pretax return on assets | 1.8624% | 776 |
| Return on Equity (ROE) | 15.2999% | 634 |
| Retained earnings to average equity (ytd only) | 6.9851% | 1,635 |
| Net charge-offs to loans | 0.1698% | 1,352 |
| Credit loss provision to net charge-offs | 195.6522% | 1,464 |
| Earnings coverage of net charge-offs (x) | 17.7179% | 2,038 |
| Efficiency ratio | 55.6342% | 5,097 |
| Assets per employee ($millions) | 4.1427% | 3,704 |
| Cash dividends to net income (ytd only)* | 54.3447% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 450 |
| Loan loss allowance to noncurrent loans | 552.7869% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 4,163 |
| Noncurrent loans to loans | 0.4124% | 3,797 |
| Net loans and leases to total assets | 67.0919% | 2,937 |
| Net loans and leases to deposits | 76.4901% | 3,353 |
| Net loans and leases to core deposits | 77.7066% | 3,690 |
| Total domestic deposits to total assets | 87.7132% | 1,548 |
| Equity capital to assets | 11.9795% | 2,131 |
| Core capital (leverage) ratio | 11.5305% | 2,000 |
| Tier 1 risk-based capital ratio | 19.5381% | 1,541 |
| Total risk-based capital ratio | 20.8049% | 1,502 |
| Memoranda: | ||
| Average total assets | $103,807,000 | 4,323 |
| Average earning assets | $99,916,750 | 4,241 |
| Average equity | $12,636,000 | 4,188 |
| Average total loans | $72,251,000 | 4,015 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,336 |
| Cost of funding earning assets | 0.4709% | 2,362 |
| Net interest margin | 4.0975% | 1,366 |
| Noninterest income to average assets | 0.8819% | 1,433 |
| Noninterest expense to average assets | 2.7179% | 3,326 |
| Loan and lease loss provision to assets | 0.2341% | 855 |
| Net operating income to assets | 1.8516% | 440 |
| Return on assets (ROA) | 1.8516% | 463 |
| Pretax return on assets | 1.8516% | 785 |
| Return on Equity (ROE) | 15.1271% | 655 |
| Retained earnings to average equity (ytd only) | 8.8149% | 898 |
| Net charge-offs to loans | 0.1395% | 1,489 |
| Credit loss provision to net charge-offs | 240.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 21.3800% | 1,684 |
| Efficiency ratio | 56.5800% | 5,070 |
| Assets per employee ($millions) | 4.1842% | 3,596 |
| Cash dividends to net income (ytd only)* | 41.7281% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3091% | 460 |
| Loan loss allowance to noncurrent loans | 351.1579% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 3,695 |
| Noncurrent loans to loans | 0.6576% | 3,102 |
| Net loans and leases to total assets | 67.4611% | 2,871 |
| Net loans and leases to deposits | 77.4483% | 3,213 |
| Net loans and leases to core deposits | 78.7183% | 3,581 |
| Total domestic deposits to total assets | 87.1047% | 1,861 |
| Equity capital to assets | 12.2309% | 1,956 |
| Core capital (leverage) ratio | 11.7406% | 1,820 |
| Tier 1 risk-based capital ratio | 19.6923% | 1,525 |
| Total risk-based capital ratio | 20.9644% | 1,478 |
| Memoranda: | ||
| Average total assets | $102,506,330 | 4,379 |
| Average earning assets | $98,109,000 | 4,304 |
| Average equity | $12,547,000 | 4,223 |
| Average total loans | $71,684,670 | 4,050 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 1,289 |
| Cost of funding earning assets | 0.4569% | 2,507 |
| Net interest margin | 4.1327% | 1,252 |
| Noninterest income to average assets | 0.8871% | 1,347 |
| Noninterest expense to average assets | 2.7282% | 3,315 |
| Loan and lease loss provision to assets | 0.2366% | 767 |
| Net operating income to assets | 1.8806% | 412 |
| Return on assets (ROA) | 1.8806% | 438 |
| Pretax return on assets | 1.8806% | 721 |
| Return on Equity (ROE) | 15.3580% | 617 |
| Retained earnings to average equity (ytd only) | 15.3580% | 228 |
| Net charge-offs to loans | 0.2073% | 969 |
| Credit loss provision to net charge-offs | 162.1622% | 1,225 |
| Earnings coverage of net charge-offs (x) | 14.5135% | 1,698 |
| Efficiency ratio | 56.3059% | 5,169 |
| Assets per employee ($millions) | 3.9698% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2798% | 529 |
| Loan loss allowance to noncurrent loans | 802.4752% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 4,568 |
| Noncurrent loans to loans | 0.2841% | 4,411 |
| Net loans and leases to total assets | 67.3184% | 2,758 |
| Net loans and leases to deposits | 77.0080% | 3,107 |
| Net loans and leases to core deposits | 78.2781% | 3,469 |
| Total domestic deposits to total assets | 87.4174% | 1,981 |
| Equity capital to assets | 12.3103% | 1,822 |
| Core capital (leverage) ratio | 11.9128% | 1,669 |
| Tier 1 risk-based capital ratio | 19.5729% | 1,596 |
| Total risk-based capital ratio | 20.8436% | 1,561 |
| Memoranda: | ||
| Average total assets | $101,457,500 | 4,441 |
| Average earning assets | $97,177,000 | 4,357 |
| Average equity | $12,423,500 | 4,257 |
| Average total loans | $71,409,500 | 4,079 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,113 |
| Cost of funding earning assets | 0.3702% | 3,486 |
| Net interest margin | 4.3278% | 911 |
| Noninterest income to average assets | 0.8817% | 1,494 |
| Noninterest expense to average assets | 2.9869% | 2,595 |
| Loan and lease loss provision to assets | 0.2478% | 770 |
| Net operating income to assets | 1.8109% | 479 |
| Return on assets (ROA) | 1.8109% | 487 |
| Pretax return on assets | 1.8109% | 792 |
| Return on Equity (ROE) | 14.2878% | 803 |
| Retained earnings to average equity (ytd only) | 2.6393% | 4,191 |
| Net charge-offs to loans | 0.2918% | 1,045 |
| Credit loss provision to net charge-offs | 121.2121% | 2,127 |
| Earnings coverage of net charge-offs (x) | 10.0707% | 2,740 |
| Efficiency ratio | 59.1979% | 5,008 |
| Assets per employee ($millions) | 3.6926% | 4,491 |
| Cash dividends to net income (ytd only)* | 81.5279% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 570 |
| Loan loss allowance to noncurrent loans | 578.9855% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,479 |
| Noncurrent loans to loans | 0.3849% | 4,072 |
| Net loans and leases to total assets | 70.3283% | 2,319 |
| Net loans and leases to deposits | 80.6306% | 2,751 |
| Net loans and leases to core deposits | 81.6199% | 3,191 |
| Total domestic deposits to total assets | 87.2228% | 2,020 |
| Equity capital to assets | 12.1774% | 1,827 |
| Core capital (leverage) ratio | 11.7453% | 1,786 |
| Tier 1 risk-based capital ratio | 19.3197% | 1,627 |
| Total risk-based capital ratio | 20.5887% | 1,583 |
| Memoranda: | ||
| Average total assets | $96,857,000 | 4,520 |
| Average earning assets | $93,188,800 | 4,446 |
| Average equity | $12,276,200 | 4,251 |
| Average total loans | $67,866,000 | 4,148 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 1,112 |
| Cost of funding earning assets | 0.3480% | 3,777 |
| Net interest margin | 4.3437% | 883 |
| Noninterest income to average assets | 0.8695% | 1,550 |
| Noninterest expense to average assets | 2.8373% | 3,049 |
| Loan and lease loss provision to assets | 0.2496% | 683 |
| Net operating income to assets | 1.9719% | 379 |
| Return on assets (ROA) | 1.9719% | 392 |
| Pretax return on assets | 1.9719% | 632 |
| Return on Equity (ROE) | 15.4017% | 674 |
| Retained earnings to average equity (ytd only) | 7.4517% | 1,477 |
| Net charge-offs to loans | 0.2152% | 1,212 |
| Credit loss provision to net charge-offs | 166.6667% | 1,548 |
| Earnings coverage of net charge-offs (x) | 14.8330% | 2,225 |
| Efficiency ratio | 56.0855% | 5,341 |
| Assets per employee ($millions) | 3.5956% | 4,619 |
| Cash dividends to net income (ytd only)* | 51.6174% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 585 |
| Loan loss allowance to noncurrent loans | 386.1575% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 4,055 |
| Noncurrent loans to loans | 0.5901% | 3,561 |
| Net loans and leases to total assets | 71.4764% | 2,144 |
| Net loans and leases to deposits | 82.5835% | 2,576 |
| Net loans and leases to core deposits | 83.1317% | 3,137 |
| Total domestic deposits to total assets | 86.5504% | 2,256 |
| Equity capital to assets | 12.9500% | 1,473 |
| Core capital (leverage) ratio | 12.3395% | 1,494 |
| Tier 1 risk-based capital ratio | 20.0857% | 1,521 |
| Total risk-based capital ratio | 21.3553% | 1,486 |
| Memoranda: | ||
| Average total assets | $96,146,000 | 4,590 |
| Average earning assets | $92,729,500 | 4,503 |
| Average equity | $12,310,000 | 4,297 |
| Average total loans | $66,903,500 | 4,212 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 1,195 |
| Cost of funding earning assets | 0.3239% | 4,106 |
| Net interest margin | 4.3139% | 897 |
| Noninterest income to average assets | 0.8223% | 1,693 |
| Noninterest expense to average assets | 2.8904% | 2,931 |
| Loan and lease loss provision to assets | 0.2504% | 700 |
| Net operating income to assets | 1.8511% | 462 |
| Return on assets (ROA) | 1.8511% | 487 |
| Pretax return on assets | 1.8511% | 815 |
| Return on Equity (ROE) | 14.5140% | 818 |
| Retained earnings to average equity (ytd only) | 8.0343% | 1,253 |
| Net charge-offs to loans | 0.1648% | 1,480 |
| Credit loss provision to net charge-offs | 222.2222% | 1,130 |
| Earnings coverage of net charge-offs (x) | 18.6481% | 1,797 |
| Efficiency ratio | 57.9013% | 5,232 |
| Assets per employee ($millions) | 3.5642% | 4,692 |
| Cash dividends to net income (ytd only)* | 44.6449% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3294% | 612 |
| Loan loss allowance to noncurrent loans | 715.9292% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 4,938 |
| Noncurrent loans to loans | 0.3254% | 4,533 |
| Net loans and leases to total assets | 70.4980% | 2,246 |
| Net loans and leases to deposits | 82.1056% | 2,537 |
| Net loans and leases to core deposits | 82.9904% | 3,084 |
| Total domestic deposits to total assets | 85.8626% | 2,766 |
| Equity capital to assets | 12.7522% | 1,516 |
| Core capital (leverage) ratio | 12.0553% | 1,619 |
| Tier 1 risk-based capital ratio | 20.2397% | 1,498 |
| Total risk-based capital ratio | 21.5095% | 1,472 |
| Memoranda: | ||
| Average total assets | $95,834,330 | 4,635 |
| Average earning assets | $92,630,330 | 4,542 |
| Average equity | $12,222,670 | 4,339 |
| Average total loans | $65,535,330 | 4,293 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,397 |
| Cost of funding earning assets | 0.3268% | 4,139 |
| Net interest margin | 4.1972% | 1,064 |
| Noninterest income to average assets | 0.7654% | 1,841 |
| Noninterest expense to average assets | 2.7521% | 3,411 |
| Loan and lease loss provision to assets | 0.2510% | 658 |
| Net operating income to assets | 1.8111% | 475 |
| Return on assets (ROA) | 1.8111% | 500 |
| Pretax return on assets | 1.8445% | 803 |
| Return on Equity (ROE) | 14.1990% | 840 |
| Retained earnings to average equity (ytd only) | 14.1990% | 340 |
| Net charge-offs to loans | 0.1699% | 1,259 |
| Credit loss provision to net charge-offs | 222.2222% | 980 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,485 |
| Efficiency ratio | 56.7731% | 5,459 |
| Assets per employee ($millions) | 3.6157% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4285% | 587 |
| Loan loss allowance to noncurrent loans | 426.0054% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 4,491 |
| Noncurrent loans to loans | 0.5701% | 3,873 |
| Net loans and leases to total assets | 65.3941% | 2,864 |
| Net loans and leases to deposits | 75.1398% | 3,158 |
| Net loans and leases to core deposits | 76.2454% | 3,573 |
| Total domestic deposits to total assets | 87.0300% | 2,351 |
| Equity capital to assets | 12.7467% | 1,544 |
| Core capital (leverage) ratio | 12.2715% | 1,473 |
| Tier 1 risk-based capital ratio | 20.5894% | 1,510 |
| Total risk-based capital ratio | 21.8426% | 1,472 |
| Memoranda: | ||
| Average total assets | $95,634,500 | 4,674 |
| Average earning assets | $93,014,500 | 4,573 |
| Average equity | $12,198,000 | 4,376 |
| Average total loans | $63,572,500 | 4,374 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 1,752 |
| Cost of funding earning assets | 0.3590% | 4,152 |
| Net interest margin | 4.1738% | 1,375 |
| Noninterest income to average assets | 0.9687% | 1,293 |
| Noninterest expense to average assets | 3.0370% | 2,732 |
| Loan and lease loss provision to assets | 0.2621% | 845 |
| Net operating income to assets | 1.6818% | 596 |
| Return on assets (ROA) | 1.6818% | 622 |
| Pretax return on assets | 1.6818% | 1,022 |
| Return on Equity (ROE) | 13.0777% | 1,119 |
| Retained earnings to average equity (ytd only) | 3.2524% | 3,913 |
| Net charge-offs to loans | 0.4176% | 1,019 |
| Credit loss provision to net charge-offs | 99.5851% | 2,443 |
| Earnings coverage of net charge-offs (x) | 7.3859% | 3,037 |
| Efficiency ratio | 60.9735% | 5,075 |
| Assets per employee ($millions) | 3.3444% | 5,182 |
| Cash dividends to net income (ytd only)* | 75.1299% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 533 |
| Loan loss allowance to noncurrent loans | 841.6216% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 5,237 |
| Noncurrent loans to loans | 0.2998% | 4,768 |
| Net loans and leases to total assets | 64.2412% | 3,189 |
| Net loans and leases to deposits | 73.8416% | 3,456 |
| Net loans and leases to core deposits | 74.9763% | 3,824 |
| Total domestic deposits to total assets | 86.9986% | 2,289 |
| Equity capital to assets | 12.7632% | 1,493 |
| Core capital (leverage) ratio | 11.9837% | 1,630 |
| Tier 1 risk-based capital ratio | 20.6800% | 1,474 |
| Total risk-based capital ratio | 21.9354% | 1,441 |
| Memoranda: | ||
| Average total assets | $91,569,600 | 4,795 |
| Average earning assets | $88,026,200 | 4,698 |
| Average equity | $11,775,800 | 4,401 |
| Average total loans | $57,708,400 | 4,561 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 1,730 |
| Cost of funding earning assets | 0.3650% | 4,186 |
| Net interest margin | 4.1754% | 1,362 |
| Noninterest income to average assets | 0.9928% | 1,243 |
| Noninterest expense to average assets | 2.9536% | 2,955 |
| Loan and lease loss provision to assets | 0.2636% | 807 |
| Net operating income to assets | 1.7792% | 529 |
| Return on assets (ROA) | 1.7792% | 543 |
| Pretax return on assets | 1.7792% | 923 |
| Return on Equity (ROE) | 13.8083% | 1,025 |
| Retained earnings to average equity (ytd only) | 7.2735% | 1,687 |
| Net charge-offs to loans | 0.4938% | 788 |
| Credit loss provision to net charge-offs | 85.7143% | 2,501 |
| Earnings coverage of net charge-offs (x) | 6.6429% | 3,048 |
| Efficiency ratio | 59.1149% | 5,299 |
| Assets per employee ($millions) | 3.3400% | 5,164 |
| Cash dividends to net income (ytd only)* | 47.3252% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6154% | 556 |
| Loan loss allowance to noncurrent loans | 610.8000% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 5,022 |
| Noncurrent loans to loans | 0.4282% | 4,623 |
| Net loans and leases to total assets | 63.0513% | 3,334 |
| Net loans and leases to deposits | 73.0319% | 3,562 |
| Net loans and leases to core deposits | 74.2052% | 3,920 |
| Total domestic deposits to total assets | 86.3338% | 2,682 |
| Equity capital to assets | 13.4255% | 1,217 |
| Core capital (leverage) ratio | 12.6730% | 1,319 |
| Tier 1 risk-based capital ratio | 21.9608% | 1,262 |
| Total risk-based capital ratio | 23.2324% | 1,246 |
| Memoranda: | ||
| Average total assets | $91,051,000 | 4,868 |
| Average earning assets | $87,301,750 | 4,763 |
| Average equity | $11,731,750 | 4,440 |
| Average total loans | $56,706,750 | 4,636 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,891 |
| Cost of funding earning assets | 0.3680% | 4,231 |
| Net interest margin | 4.1140% | 1,465 |
| Noninterest income to average assets | 0.9875% | 1,236 |
| Noninterest expense to average assets | 2.8662% | 3,283 |
| Loan and lease loss provision to assets | 0.2627% | 801 |
| Net operating income to assets | 1.7998% | 492 |
| Return on assets (ROA) | 1.7998% | 508 |
| Pretax return on assets | 1.7998% | 843 |
| Return on Equity (ROE) | 14.1643% | 923 |
| Retained earnings to average equity (ytd only) | 8.1333% | 1,278 |
| Net charge-offs to loans | 0.5450% | 750 |
| Credit loss provision to net charge-offs | 78.4314% | 2,349 |
| Earnings coverage of net charge-offs (x) | 6.1569% | 2,815 |
| Efficiency ratio | 58.1519% | 5,536 |
| Assets per employee ($millions) | 3.4370% | 4,980 |
| Cash dividends to net income (ytd only)* | 42.5791% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6643% | 558 |
| Loan loss allowance to noncurrent loans | 360.2837% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,580 |
| Noncurrent loans to loans | 0.7395% | 3,851 |
| Net loans and leases to total assets | 62.3039% | 3,360 |
| Net loans and leases to deposits | 72.1379% | 3,552 |
| Net loans and leases to core deposits | 73.5939% | 3,882 |
| Total domestic deposits to total assets | 86.3678% | 2,840 |
| Equity capital to assets | 13.3927% | 1,197 |
| Core capital (leverage) ratio | 12.4704% | 1,409 |
| Tier 1 risk-based capital ratio | 22.1049% | 1,245 |
| Total risk-based capital ratio | 23.3766% | 1,222 |
| Memoranda: | ||
| Average total assets | $91,341,670 | 4,894 |
| Average earning assets | $87,506,670 | 4,781 |
| Average equity | $11,606,670 | 4,472 |
| Average total loans | $56,147,000 | 4,681 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,053 |
| Cost of funding earning assets | 0.3712% | 4,302 |
| Net interest margin | 4.0517% | 1,593 |
| Noninterest income to average assets | 0.9401% | 1,279 |
| Noninterest expense to average assets | 2.8073% | 3,535 |
| Loan and lease loss provision to assets | 0.2599% | 809 |
| Net operating income to assets | 1.7502% | 524 |
| Return on assets (ROA) | 1.7502% | 539 |
| Pretax return on assets | 1.7502% | 876 |
| Return on Equity (ROE) | 14.1432% | 922 |
| Retained earnings to average equity (ytd only) | 14.1432% | 384 |
| Net charge-offs to loans | 0.3020% | 1,159 |
| Credit loss provision to net charge-offs | 142.8571% | 1,298 |
| Earnings coverage of net charge-offs (x) | 11.0476% | 1,809 |
| Efficiency ratio | 58.2734% | 5,623 |
| Assets per employee ($millions) | 3.5704% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8102% | 533 |
| Loan loss allowance to noncurrent loans | 504.8077% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 4,904 |
| Noncurrent loans to loans | 0.5567% | 4,494 |
| Net loans and leases to total assets | 58.6782% | 3,741 |
| Net loans and leases to deposits | 67.2897% | 3,938 |
| Net loans and leases to core deposits | 68.8104% | 4,230 |
| Total domestic deposits to total assets | 87.2024% | 2,700 |
| Equity capital to assets | 12.6005% | 1,523 |
| Core capital (leverage) ratio | 12.4893% | 1,391 |
| Tier 1 risk-based capital ratio | 22.5049% | 1,212 |
| Total risk-based capital ratio | 23.7660% | 1,188 |
| Memoranda: | ||
| Average total assets | $92,331,500 | 4,908 |
| Average earning assets | $88,357,500 | 4,813 |
| Average equity | $11,426,000 | 4,516 |
| Average total loans | $55,620,500 | 4,739 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 2,185 |
| Cost of funding earning assets | 0.4598% | 4,026 |
| Net interest margin | 4.0445% | 1,825 |
| Noninterest income to average assets | 1.0253% | 1,333 |
| Noninterest expense to average assets | 2.7980% | 3,734 |
| Loan and lease loss provision to assets | 0.2657% | 1,329 |
| Net operating income to assets | 1.8281% | 458 |
| Return on assets (ROA) | 1.8281% | 463 |
| Pretax return on assets | 1.8281% | 708 |
| Return on Equity (ROE) | 14.4381% | 861 |
| Retained earnings to average equity (ytd only) | 3.6467% | 3,629 |
| Net charge-offs to loans | 0.4233% | 1,580 |
| Credit loss provision to net charge-offs | 104.3478% | 2,322 |
| Earnings coverage of net charge-offs (x) | 8.2217% | 2,704 |
| Efficiency ratio | 57.1978% | 5,827 |
| Assets per employee ($millions) | 3.6733% | 4,543 |
| Cash dividends to net income (ytd only)* | 74.7426% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8209% | 579 |
| Loan loss allowance to noncurrent loans | 338.4783% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 4,735 |
| Noncurrent loans to loans | 0.8334% | 3,896 |
| Net loans and leases to total assets | 58.4082% | 3,966 |
| Net loans and leases to deposits | 66.6584% | 4,227 |
| Net loans and leases to core deposits | 67.9160% | 4,524 |
| Total domestic deposits to total assets | 87.6232% | 2,408 |
| Equity capital to assets | 12.1470% | 1,715 |
| Core capital (leverage) ratio | 12.0357% | 1,581 |
| Tier 1 risk-based capital ratio | 22.2283% | 1,222 |
| Total risk-based capital ratio | 23.5014% | 1,194 |
| Memoranda: | ||
| Average total assets | $90,314,200 | 4,974 |
| Average earning assets | $86,340,000 | 4,874 |
| Average equity | $11,435,000 | 4,554 |
| Average total loans | $54,334,200 | 4,804 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,291 |
| Cost of funding earning assets | 0.4801% | 3,963 |
| Net interest margin | 4.0046% | 1,930 |
| Noninterest income to average assets | 1.0052% | 1,438 |
| Noninterest expense to average assets | 2.7590% | 3,799 |
| Loan and lease loss provision to assets | 0.2668% | 1,321 |
| Net operating income to assets | 1.8131% | 512 |
| Return on assets (ROA) | 1.8131% | 531 |
| Pretax return on assets | 1.8131% | 875 |
| Return on Equity (ROE) | 14.1732% | 960 |
| Retained earnings to average equity (ytd only) | 7.2894% | 1,746 |
| Net charge-offs to loans | 0.4434% | 1,446 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 7.7946% | 2,731 |
| Efficiency ratio | 57.0159% | 5,799 |
| Assets per employee ($millions) | 3.6993% | 4,451 |
| Cash dividends to net income (ytd only)* | 48.5690% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8136% | 665 |
| Loan loss allowance to noncurrent loans | 369.2124% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 4,536 |
| Noncurrent loans to loans | 0.7621% | 4,322 |
| Net loans and leases to total assets | 60.1854% | 3,670 |
| Net loans and leases to deposits | 69.4421% | 3,860 |
| Net loans and leases to core deposits | 70.8537% | 4,230 |
| Total domestic deposits to total assets | 86.6699% | 2,877 |
| Equity capital to assets | 12.9235% | 1,363 |
| Core capital (leverage) ratio | 12.6171% | 1,362 |
| Tier 1 risk-based capital ratio | 22.7381% | 1,192 |
| Total risk-based capital ratio | 24.0118% | 1,164 |
| Memoranda: | ||
| Average total assets | $89,934,500 | 5,037 |
| Average earning assets | $86,098,500 | 4,927 |
| Average equity | $11,505,000 | 4,589 |
| Average total loans | $54,119,000 | 4,853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,557 |
| Cost of funding earning assets | 0.5017% | 3,880 |
| Net interest margin | 3.8999% | 2,209 |
| Noninterest income to average assets | 0.9965% | 1,545 |
| Noninterest expense to average assets | 2.6728% | 4,133 |
| Loan and lease loss provision to assets | 0.2657% | 1,394 |
| Net operating income to assets | 1.7937% | 530 |
| Return on assets (ROA) | 1.7937% | 569 |
| Pretax return on assets | 1.7937% | 944 |
| Return on Equity (ROE) | 14.0682% | 998 |
| Retained earnings to average equity (ytd only) | 9.6220% | 933 |
| Net charge-offs to loans | 0.4087% | 1,583 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 8.4545% | 2,394 |
| Efficiency ratio | 56.4810% | 5,903 |
| Assets per employee ($millions) | 3.7640% | 4,276 |
| Cash dividends to net income (ytd only)* | 31.6049% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8555% | 671 |
| Loan loss allowance to noncurrent loans | 362.9371% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 4,457 |
| Noncurrent loans to loans | 0.7868% | 4,337 |
| Net loans and leases to total assets | 58.6373% | 3,884 |
| Net loans and leases to deposits | 67.8415% | 4,038 |
| Net loans and leases to core deposits | 69.1984% | 4,364 |
| Total domestic deposits to total assets | 86.4327% | 3,148 |
| Equity capital to assets | 12.5145% | 1,567 |
| Core capital (leverage) ratio | 12.3178% | 1,447 |
| Tier 1 risk-based capital ratio | 22.4979% | 1,202 |
| Total risk-based capital ratio | 23.7726% | 1,186 |
| Memoranda: | ||
| Average total assets | $90,318,000 | 5,056 |
| Average earning assets | $86,514,330 | 4,938 |
| Average equity | $11,515,330 | 4,623 |
| Average total loans | $53,831,330 | 4,889 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 2,622 |
| Cost of funding earning assets | 0.5209% | 3,880 |
| Net interest margin | 3.8489% | 2,285 |
| Noninterest income to average assets | 0.9700% | 1,557 |
| Noninterest expense to average assets | 2.7904% | 3,733 |
| Loan and lease loss provision to assets | 0.2658% | 1,335 |
| Net operating income to assets | 1.6122% | 691 |
| Return on assets (ROA) | 1.6122% | 751 |
| Pretax return on assets | 1.6122% | 1,280 |
| Return on Equity (ROE) | 12.5296% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.5296% | 620 |
| Net charge-offs to loans | 0.6208% | 982 |
| Credit loss provision to net charge-offs | 72.2892% | 2,256 |
| Earnings coverage of net charge-offs (x) | 5.1084% | 2,410 |
| Efficiency ratio | 59.7723% | 5,617 |
| Assets per employee ($millions) | 3.7733% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8872% | 740 |
| Loan loss allowance to noncurrent loans | 387.0558% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 5,172 |
| Noncurrent loans to loans | 0.7459% | 4,635 |
| Net loans and leases to total assets | 56.6409% | 3,983 |
| Net loans and leases to deposits | 65.2703% | 4,155 |
| Net loans and leases to core deposits | 66.0341% | 4,526 |
| Total domestic deposits to total assets | 86.7789% | 3,086 |
| Equity capital to assets | 13.0035% | 1,426 |
| Core capital (leverage) ratio | 12.1569% | 1,482 |
| Tier 1 risk-based capital ratio | 22.5966% | 1,222 |
| Total risk-based capital ratio | 23.8722% | 1,199 |
| Memoranda: | ||
| Average total assets | $90,309,500 | 5,090 |
| Average earning assets | $86,778,000 | 4,965 |
| Average equity | $11,620,500 | 4,649 |
| Average total loans | $53,483,500 | 4,931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 2,247 |
| Cost of funding earning assets | 0.6509% | 3,906 |
| Net interest margin | 4.1363% | 1,866 |
| Noninterest income to average assets | 1.0516% | 1,402 |
| Noninterest expense to average assets | 2.6765% | 4,488 |
| Loan and lease loss provision to assets | 0.3353% | 2,009 |
| Net operating income to assets | 2.0026% | 353 |
| Return on assets (ROA) | 2.0026% | 386 |
| Pretax return on assets | 2.0026% | 595 |
| Return on Equity (ROE) | 15.4798% | 737 |
| Retained earnings to average equity (ytd only) | 2.6174% | 4,392 |
| Net charge-offs to loans | 0.3499% | 2,884 |
| Credit loss provision to net charge-offs | 157.0681% | 1,714 |
| Earnings coverage of net charge-offs (x) | 10.9529% | 2,085 |
| Efficiency ratio | 53.3764% | 6,338 |
| Assets per employee ($millions) | 3.7525% | 4,463 |
| Cash dividends to net income (ytd only)* | 83.0915% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8570% | 776 |
| Loan loss allowance to noncurrent loans | 333.4052% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 5,191 |
| Noncurrent loans to loans | 0.8569% | 4,467 |
| Net loans and leases to total assets | 58.4073% | 3,898 |
| Net loans and leases to deposits | 67.1060% | 4,118 |
| Net loans and leases to core deposits | 67.9257% | 4,541 |
| Total domestic deposits to total assets | 87.0374% | 2,830 |
| Equity capital to assets | 12.7305% | 1,577 |
| Core capital (leverage) ratio | 11.5723% | 1,826 |
| Tier 1 risk-based capital ratio | 21.4591% | 1,370 |
| Total risk-based capital ratio | 22.7344% | 1,335 |
| Memoranda: | ||
| Average total assets | $89,482,200 | 5,102 |
| Average earning assets | $85,727,800 | 4,968 |
| Average equity | $11,576,400 | 4,655 |
| Average total loans | $54,593,800 | 4,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 2,251 |
| Cost of funding earning assets | 0.6798% | 3,941 |
| Net interest margin | 4.1582% | 1,871 |
| Noninterest income to average assets | 1.0298% | 1,426 |
| Noninterest expense to average assets | 2.7028% | 4,355 |
| Loan and lease loss provision to assets | 0.3358% | 1,950 |
| Net operating income to assets | 1.9715% | 399 |
| Return on assets (ROA) | 1.9715% | 454 |
| Pretax return on assets | 1.9715% | 749 |
| Return on Equity (ROE) | 15.1780% | 870 |
| Retained earnings to average equity (ytd only) | 5.8368% | 2,802 |
| Net charge-offs to loans | 0.3680% | 2,633 |
| Credit loss provision to net charge-offs | 149.0066% | 1,895 |
| Earnings coverage of net charge-offs (x) | 10.2383% | 2,210 |
| Efficiency ratio | 53.9470% | 6,256 |
| Assets per employee ($millions) | 3.7623% | 4,402 |
| Cash dividends to net income (ytd only)* | 61.5441% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8037% | 885 |
| Loan loss allowance to noncurrent loans | 654.5455% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 5,965 |
| Noncurrent loans to loans | 0.4283% | 5,590 |
| Net loans and leases to total assets | 58.0508% | 4,128 |
| Net loans and leases to deposits | 67.0166% | 4,333 |
| Net loans and leases to core deposits | 67.8353% | 4,741 |
| Total domestic deposits to total assets | 86.6216% | 2,903 |
| Equity capital to assets | 13.1558% | 1,516 |
| Core capital (leverage) ratio | 11.9359% | 1,693 |
| Tier 1 risk-based capital ratio | 21.9998% | 1,329 |
| Total risk-based capital ratio | 23.2744% | 1,303 |
| Memoranda: | ||
| Average total assets | $89,338,000 | 5,162 |
| Average earning assets | $85,516,000 | 5,034 |
| Average equity | $11,604,250 | 4,694 |
| Average total loans | $54,705,250 | 4,965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 2,215 |
| Cost of funding earning assets | 0.6966% | 4,040 |
| Net interest margin | 4.1770% | 1,822 |
| Noninterest income to average assets | 1.0200% | 1,404 |
| Noninterest expense to average assets | 2.7972% | 4,028 |
| Loan and lease loss provision to assets | 0.3370% | 1,956 |
| Net operating income to assets | 1.8872% | 473 |
| Return on assets (ROA) | 1.8872% | 541 |
| Pretax return on assets | 1.8872% | 869 |
| Return on Equity (ROE) | 14.5926% | 998 |
| Retained earnings to average equity (ytd only) | 6.0803% | 2,667 |
| Net charge-offs to loans | 0.2074% | 3,327 |
| Credit loss provision to net charge-offs | 263.1579% | 1,092 |
| Earnings coverage of net charge-offs (x) | 17.3684% | 1,532 |
| Efficiency ratio | 55.7047% | 6,147 |
| Assets per employee ($millions) | 3.7261% | 4,464 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8072% | 934 |
| Loan loss allowance to noncurrent loans | 797.3958% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,020 |
| Noncurrent loans to loans | 0.3520% | 5,840 |
| Net loans and leases to total assets | 59.2747% | 3,947 |
| Net loans and leases to deposits | 68.3124% | 4,151 |
| Net loans and leases to core deposits | 69.1510% | 4,648 |
| Total domestic deposits to total assets | 86.7701% | 2,911 |
| Equity capital to assets | 12.9973% | 1,521 |
| Core capital (leverage) ratio | 11.8312% | 1,701 |
| Tier 1 risk-based capital ratio | 21.5928% | 1,372 |
| Total risk-based capital ratio | 22.8685% | 1,340 |
| Memoranda: | ||
| Average total assets | $89,019,000 | 5,197 |
| Average earning assets | $85,276,670 | 5,069 |
| Average equity | $11,512,670 | 4,710 |
| Average total loans | $54,964,000 | 4,987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,997 |
| Cost of funding earning assets | 0.7219% | 4,095 |
| Net interest margin | 4.2467% | 1,619 |
| Noninterest income to average assets | 1.0404% | 1,334 |
| Noninterest expense to average assets | 2.9725% | 3,373 |
| Loan and lease loss provision to assets | 0.3378% | 1,853 |
| Net operating income to assets | 1.7835% | 617 |
| Return on assets (ROA) | 1.7835% | 692 |
| Pretax return on assets | 1.7835% | 1,110 |
| Return on Equity (ROE) | 13.8250% | 1,220 |
| Retained earnings to average equity (ytd only) | 13.8250% | 584 |
| Net charge-offs to loans | 0.2030% | 2,903 |
| Credit loss provision to net charge-offs | 267.8571% | 1,084 |
| Earnings coverage of net charge-offs (x) | 16.8214% | 1,335 |
| Efficiency ratio | 58.3554% | 5,869 |
| Assets per employee ($millions) | 3.8706% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7097% | 1,106 |
| Loan loss allowance to noncurrent loans | 858.3815% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 6,197 |
| Noncurrent loans to loans | 0.3157% | 6,048 |
| Net loans and leases to total assets | 59.8928% | 3,691 |
| Net loans and leases to deposits | 69.0661% | 3,862 |
| Net loans and leases to core deposits | 69.9165% | 4,434 |
| Total domestic deposits to total assets | 86.7182% | 3,109 |
| Equity capital to assets | 13.0616% | 1,414 |
| Core capital (leverage) ratio | 12.0282% | 1,568 |
| Tier 1 risk-based capital ratio | 21.3028% | 1,426 |
| Total risk-based capital ratio | 22.5757% | 1,393 |
| Memoranda: | ||
| Average total assets | $88,815,500 | 5,247 |
| Average earning assets | $84,772,500 | 5,119 |
| Average equity | $11,457,500 | 4,740 |
| Average total loans | $55,177,000 | 5,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 1,312 |
| Cost of funding earning assets | 0.8277% | 4,645 |
| Net interest margin | 4.6185% | 887 |
| Noninterest income to average assets | 1.0423% | 1,248 |
| Noninterest expense to average assets | 2.6769% | 4,830 |
| Loan and lease loss provision to assets | 0.3471% | 2,923 |
| Net operating income to assets | 2.4143% | 153 |
| Return on assets (ROA) | 2.4143% | 160 |
| Pretax return on assets | 2.4143% | 244 |
| Return on Equity (ROE) | 18.7165% | 333 |
| Retained earnings to average equity (ytd only) | 4.2778% | 3,139 |
| Net charge-offs to loans | 0.3590% | 3,609 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 11.9350% | 1,670 |
| Efficiency ratio | 49.2236% | 6,878 |
| Assets per employee ($millions) | 3.6920% | 4,564 |
| Cash dividends to net income (ytd only)* | 77.1442% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5887% | 1,210 |
| Loan loss allowance to noncurrent loans | 347.3430% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,794 |
| Noncurrent loans to loans | 0.7453% | 5,209 |
| Net loans and leases to total assets | 61.0697% | 3,767 |
| Net loans and leases to deposits | 70.1842% | 4,064 |
| Net loans and leases to core deposits | 71.1410% | 4,632 |
| Total domestic deposits to total assets | 87.0134% | 2,756 |
| Equity capital to assets | 12.7383% | 1,631 |
| Core capital (leverage) ratio | 11.6189% | 1,809 |
| Tier 1 risk-based capital ratio | 20.3289% | 1,559 |
| Total risk-based capital ratio | 21.6003% | 1,530 |
| Memoranda: | ||
| Average total assets | $86,442,000 | 5,281 |
| Average earning assets | $82,278,000 | 5,164 |
| Average equity | $11,150,600 | 4,746 |
| Average total loans | $55,702,600 | 5,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5359% | 1,165 |
| Cost of funding earning assets | 0.8479% | 4,787 |
| Net interest margin | 4.6880% | 781 |
| Noninterest income to average assets | 1.0322% | 1,267 |
| Noninterest expense to average assets | 2.7007% | 4,721 |
| Loan and lease loss provision to assets | 0.3492% | 2,778 |
| Net operating income to assets | 2.4446% | 169 |
| Return on assets (ROA) | 2.4446% | 177 |
| Pretax return on assets | 2.4446% | 273 |
| Return on Equity (ROE) | 18.8904% | 394 |
| Retained earnings to average equity (ytd only) | 9.4752% | 992 |
| Net charge-offs to loans | 0.3612% | 3,283 |
| Credit loss provision to net charge-offs | 149.0066% | 2,110 |
| Earnings coverage of net charge-offs (x) | 11.9204% | 1,764 |
| Efficiency ratio | 49.1525% | 6,876 |
| Assets per employee ($millions) | 3.6514% | 4,638 |
| Cash dividends to net income (ytd only)* | 49.8412% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5009% | 1,397 |
| Loan loss allowance to noncurrent loans | 345.2323% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 5,916 |
| Noncurrent loans to loans | 0.7244% | 5,425 |
| Net loans and leases to total assets | 62.8165% | 3,544 |
| Net loans and leases to deposits | 72.7081% | 3,848 |
| Net loans and leases to core deposits | 73.7158% | 4,495 |
| Total domestic deposits to total assets | 86.3955% | 2,986 |
| Equity capital to assets | 13.3477% | 1,443 |
| Core capital (leverage) ratio | 12.1513% | 1,621 |
| Tier 1 risk-based capital ratio | 20.8578% | 1,485 |
| Total risk-based capital ratio | 22.1277% | 1,452 |
| Memoranda: | ||
| Average total assets | $85,900,750 | 5,328 |
| Average earning assets | $81,766,750 | 5,224 |
| Average equity | $11,116,500 | 4,778 |
| Average total loans | $55,740,750 | 5,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5809% | 1,107 |
| Cost of funding earning assets | 0.8592% | 4,988 |
| Net interest margin | 4.7217% | 693 |
| Noninterest income to average assets | 1.0173% | 1,280 |
| Noninterest expense to average assets | 2.6558% | 4,984 |
| Loan and lease loss provision to assets | 0.3516% | 2,678 |
| Net operating income to assets | 2.5058% | 165 |
| Return on assets (ROA) | 2.5058% | 171 |
| Pretax return on assets | 2.5058% | 245 |
| Return on Equity (ROE) | 19.5734% | 338 |
| Retained earnings to average equity (ytd only) | 11.5170% | 590 |
| Net charge-offs to loans | 0.5441% | 2,469 |
| Credit loss provision to net charge-offs | 99.3377% | 3,187 |
| Earnings coverage of net charge-offs (x) | 8.0728% | 2,120 |
| Efficiency ratio | 48.1718% | 7,049 |
| Assets per employee ($millions) | 3.5734% | 4,738 |
| Cash dividends to net income (ytd only)* | 41.1600% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4332% | 1,543 |
| Loan loss allowance to noncurrent loans | 442.7152% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 6,252 |
| Noncurrent loans to loans | 0.5496% | 5,817 |
| Net loans and leases to total assets | 62.5125% | 3,789 |
| Net loans and leases to deposits | 72.2806% | 4,072 |
| Net loans and leases to core deposits | 73.3025% | 4,669 |
| Total domestic deposits to total assets | 86.4859% | 3,046 |
| Equity capital to assets | 13.2506% | 1,409 |
| Core capital (leverage) ratio | 12.1541% | 1,529 |
| Tier 1 risk-based capital ratio | 21.1470% | 1,393 |
| Total risk-based capital ratio | 22.4178% | 1,368 |
| Memoranda: | ||
| Average total assets | $85,323,330 | 5,385 |
| Average earning assets | $81,241,670 | 5,286 |
| Average equity | $10,923,000 | 4,820 |
| Average total loans | $55,501,000 | 5,148 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6233% | 1,016 |
| Cost of funding earning assets | 0.8902% | 4,991 |
| Net interest margin | 4.7331% | 659 |
| Noninterest income to average assets | 1.0011% | 1,323 |
| Noninterest expense to average assets | 2.7449% | 4,659 |
| Loan and lease loss provision to assets | 0.3525% | 2,440 |
| Net operating income to assets | 2.4018% | 198 |
| Return on assets (ROA) | 2.4018% | 207 |
| Pretax return on assets | 2.4018% | 286 |
| Return on Equity (ROE) | 19.0983% | 392 |
| Retained earnings to average equity (ytd only) | 19.0983% | 194 |
| Net charge-offs to loans | 0.3371% | 2,710 |
| Credit loss provision to net charge-offs | 159.5745% | 1,800 |
| Earnings coverage of net charge-offs (x) | 12.4681% | 1,496 |
| Efficiency ratio | 49.9145% | 6,991 |
| Assets per employee ($millions) | 3.5501% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4531% | 1,525 |
| Loan loss allowance to noncurrent loans | 432.2785% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 6,281 |
| Noncurrent loans to loans | 0.5675% | 5,888 |
| Net loans and leases to total assets | 63.7520% | 3,487 |
| Net loans and leases to deposits | 73.3779% | 3,865 |
| Net loans and leases to core deposits | 74.4143% | 4,490 |
| Total domestic deposits to total assets | 86.8818% | 3,008 |
| Equity capital to assets | 12.8917% | 1,433 |
| Core capital (leverage) ratio | 12.1560% | 1,479 |
| Tier 1 risk-based capital ratio | 20.5033% | 1,479 |
| Total risk-based capital ratio | 21.7594% | 1,456 |
| Memoranda: | ||
| Average total assets | $85,104,000 | 5,440 |
| Average earning assets | $80,878,000 | 5,330 |
| Average equity | $10,702,500 | 4,868 |
| Average total loans | $55,777,000 | 5,183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8242% | 1,214 |
| Cost of funding earning assets | 1.1525% | 4,836 |
| Net interest margin | 4.6716% | 869 |
| Noninterest income to average assets | 1.0262% | 1,427 |
| Noninterest expense to average assets | 2.6684% | 5,133 |
| Loan and lease loss provision to assets | 0.6624% | 2,494 |
| Net operating income to assets | 2.0245% | 272 |
| Return on assets (ROA) | 2.0245% | 283 |
| Pretax return on assets | 2.0245% | 457 |
| Return on Equity (ROE) | 16.5162% | 527 |
| Retained earnings to average equity (ytd only) | 3.2900% | 3,567 |
| Net charge-offs to loans | 0.5976% | 3,239 |
| Credit loss provision to net charge-offs | 173.2523% | 1,944 |
| Earnings coverage of net charge-offs (x) | 7.0274% | 2,220 |
| Efficiency ratio | 49.8264% | 7,135 |
| Assets per employee ($millions) | 2.5002% | 7,010 |
| Cash dividends to net income (ytd only)* | 80.0804% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3948% | 1,550 |
| Loan loss allowance to noncurrent loans | 652.6829% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 6,635 |
| Noncurrent loans to loans | 0.3669% | 6,324 |
| Net loans and leases to total assets | 64.1508% | 3,842 |
| Net loans and leases to deposits | 73.3460% | 4,305 |
| Net loans and leases to core deposits | 74.3753% | 4,933 |
| Total domestic deposits to total assets | 87.4632% | 2,574 |
| Equity capital to assets | 12.2591% | 1,764 |
| Core capital (leverage) ratio | 11.4363% | 1,872 |
| Tier 1 risk-based capital ratio | 19.5097% | 1,592 |
| Total risk-based capital ratio | 20.7791% | 1,560 |
| Memoranda: | ||
| Average total assets | $86,044,800 | 5,408 |
| Average earning assets | $79,736,800 | 5,358 |
| Average equity | $10,547,200 | 4,976 |
| Average total loans | $55,049,400 | 5,271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 1,214 |
| Cost of funding earning assets | 1.2116% | 4,793 |
| Net interest margin | 4.6547% | 934 |
| Noninterest income to average assets | 1.0227% | 1,405 |
| Noninterest expense to average assets | 2.7746% | 4,583 |
| Loan and lease loss provision to assets | 0.7060% | 2,169 |
| Net operating income to assets | 1.8214% | 473 |
| Return on assets (ROA) | 1.8214% | 520 |
| Pretax return on assets | 1.8214% | 887 |
| Return on Equity (ROE) | 14.8596% | 886 |
| Retained earnings to average equity (ytd only) | 6.6295% | 2,026 |
| Net charge-offs to loans | 0.7852% | 2,472 |
| Credit loss provision to net charge-offs | 141.4861% | 2,795 |
| Earnings coverage of net charge-offs (x) | 5.0650% | 2,858 |
| Efficiency ratio | 52.3310% | 6,949 |
| Assets per employee ($millions) | 3.5374% | 4,886 |
| Cash dividends to net income (ytd only)* | 55.3856% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,707 |
| Loan loss allowance to noncurrent loans | 468.0608% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 6,610 |
| Noncurrent loans to loans | 0.4798% | 6,235 |
| Net loans and leases to total assets | 63.1216% | 4,298 |
| Net loans and leases to deposits | 73.2661% | 4,642 |
| Net loans and leases to core deposits | 74.3084% | 5,256 |
| Total domestic deposits to total assets | 86.1540% | 3,003 |
| Equity capital to assets | 12.7824% | 1,694 |
| Core capital (leverage) ratio | 11.6532% | 1,841 |
| Tier 1 risk-based capital ratio | 20.0723% | 1,534 |
| Total risk-based capital ratio | 21.3387% | 1,496 |
| Memoranda: | ||
| Average total assets | $86,304,500 | 5,464 |
| Average earning assets | $79,344,000 | 5,427 |
| Average equity | $10,578,750 | 5,029 |
| Average total loans | $54,844,250 | 5,353 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 1,513 |
| Cost of funding earning assets | 1.2363% | 4,922 |
| Net interest margin | 4.5314% | 1,143 |
| Noninterest income to average assets | 1.0211% | 1,316 |
| Noninterest expense to average assets | 2.6736% | 5,020 |
| Loan and lease loss provision to assets | 0.7491% | 1,929 |
| Net operating income to assets | 1.8139% | 472 |
| Return on assets (ROA) | 1.8139% | 510 |
| Pretax return on assets | 1.8139% | 864 |
| Return on Equity (ROE) | 15.0081% | 860 |
| Retained earnings to average equity (ytd only) | 10.3550% | 775 |
| Net charge-offs to loans | 0.8058% | 2,234 |
| Credit loss provision to net charge-offs | 147.0588% | 2,686 |
| Earnings coverage of net charge-offs (x) | 5.0317% | 2,771 |
| Efficiency ratio | 51.0563% | 7,143 |
| Assets per employee ($millions) | 3.7653% | 4,306 |
| Cash dividends to net income (ytd only)* | 31.0038% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 1,802 |
| Loan loss allowance to noncurrent loans | 273.5763% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 5,587 |
| Noncurrent loans to loans | 0.7970% | 5,682 |
| Net loans and leases to total assets | 62.2168% | 4,640 |
| Net loans and leases to deposits | 72.7296% | 4,883 |
| Net loans and leases to core deposits | 74.0317% | 5,443 |
| Total domestic deposits to total assets | 85.5454% | 3,346 |
| Equity capital to assets | 12.5205% | 1,787 |
| Core capital (leverage) ratio | 11.5471% | 1,890 |
| Tier 1 risk-based capital ratio | 19.7368% | 1,559 |
| Total risk-based capital ratio | 20.9544% | 1,539 |
| Memoranda: | ||
| Average total assets | $86,773,330 | 5,487 |
| Average earning assets | $80,725,000 | 5,410 |
| Average equity | $10,487,670 | 5,063 |
| Average total loans | $54,852,330 | 5,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 2,071 |
| Cost of funding earning assets | 1.2563% | 5,081 |
| Net interest margin | 4.3631% | 1,495 |
| Noninterest income to average assets | 0.9671% | 1,398 |
| Noninterest expense to average assets | 2.7217% | 4,808 |
| Loan and lease loss provision to assets | 0.9809% | 1,270 |
| Net operating income to assets | 1.3908% | 1,094 |
| Return on assets (ROA) | 1.3908% | 1,171 |
| Pretax return on assets | 1.3908% | 1,803 |
| Return on Equity (ROE) | 11.7168% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.7168% | 794 |
| Net charge-offs to loans | 1.3373% | 1,286 |
| Credit loss provision to net charge-offs | 116.3934% | 2,997 |
| Earnings coverage of net charge-offs (x) | 2.8142% | 3,140 |
| Efficiency ratio | 53.4358% | 7,026 |
| Assets per employee ($millions) | 3.7777% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 2,038 |
| Loan loss allowance to noncurrent loans | 242.3656% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 5,565 |
| Noncurrent loans to loans | 0.8512% | 5,607 |
| Net loans and leases to total assets | 61.5742% | 4,844 |
| Net loans and leases to deposits | 70.2976% | 5,302 |
| Net loans and leases to core deposits | 71.5174% | 5,766 |
| Total domestic deposits to total assets | 87.5908% | 2,304 |
| Equity capital to assets | 12.1100% | 1,980 |
| Core capital (leverage) ratio | 11.2324% | 2,068 |
| Tier 1 risk-based capital ratio | 18.8708% | 1,747 |
| Total risk-based capital ratio | 20.1332% | 1,708 |
| Memoranda: | ||
| Average total assets | $86,859,000 | 5,553 |
| Average earning assets | $82,143,000 | 5,434 |
| Average equity | $10,310,000 | 5,148 |
| Average total loans | $54,737,500 | 5,460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9922% | 1,905 |
| Cost of funding earning assets | 1.6461% | 4,814 |
| Net interest margin | 4.3461% | 1,586 |
| Noninterest income to average assets | 1.1811% | 1,106 |
| Noninterest expense to average assets | 2.7414% | 5,190 |
| Loan and lease loss provision to assets | 0.5158% | 3,795 |
| Net operating income to assets | 2.0529% | 203 |
| Return on assets (ROA) | 2.0529% | 221 |
| Pretax return on assets | 2.0529% | 367 |
| Return on Equity (ROE) | 17.7311% | 390 |
| Retained earnings to average equity (ytd only) | 4.2740% | 2,233 |
| Net charge-offs to loans | 0.5884% | 3,453 |
| Credit loss provision to net charge-offs | 140.3175% | 3,466 |
| Earnings coverage of net charge-offs (x) | 6.9873% | 2,251 |
| Efficiency ratio | 51.6264% | 7,418 |
| Assets per employee ($millions) | 3.7753% | 4,338 |
| Cash dividends to net income (ytd only)* | 75.8954% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,028 |
| Loan loss allowance to noncurrent loans | 512.6168% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 6,191 |
| Noncurrent loans to loans | 0.3902% | 6,500 |
| Net loans and leases to total assets | 61.9030% | 5,008 |
| Net loans and leases to deposits | 70.3179% | 5,567 |
| Net loans and leases to core deposits | 86.9884% | 5,432 |
| Total domestic deposits to total assets | 88.0331% | 1,961 |
| Equity capital to assets | 11.6295% | 2,223 |
| Core capital (leverage) ratio | 10.9735% | 2,240 |
| Tier 1 risk-based capital ratio | 18.0505% | 1,882 |
| Total risk-based capital ratio | 19.3118% | 1,836 |
| Memoranda: | ||
| Average total assets | $85,684,600 | 5,537 |
| Average earning assets | $81,406,000 | 5,415 |
| Average equity | $9,920,400 | 5,317 |
| Average total loans | $53,538,200 | 5,526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0132% | 1,979 |
| Cost of funding earning assets | 1.7283% | 4,751 |
| Net interest margin | 4.2849% | 1,769 |
| Noninterest income to average assets | 1.1569% | 1,178 |
| Noninterest expense to average assets | 2.8228% | 4,799 |
| Loan and lease loss provision to assets | 0.4996% | 3,398 |
| Net operating income to assets | 1.9219% | 343 |
| Return on assets (ROA) | 1.9219% | 370 |
| Pretax return on assets | 1.9219% | 633 |
| Return on Equity (ROE) | 16.6190% | 587 |
| Retained earnings to average equity (ytd only) | 7.4387% | 1,332 |
| Net charge-offs to loans | 0.5863% | 2,920 |
| Credit loss provision to net charge-offs | 136.7521% | 3,621 |
| Earnings coverage of net charge-offs (x) | 6.6283% | 2,565 |
| Efficiency ratio | 53.8255% | 7,254 |
| Assets per employee ($millions) | 3.6886% | 4,454 |
| Cash dividends to net income (ytd only)* | 55.2395% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 1,938 |
| Loan loss allowance to noncurrent loans | 910.3448% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 6,449 |
| Noncurrent loans to loans | 0.2128% | 6,963 |
| Net loans and leases to total assets | 62.9973% | 5,066 |
| Net loans and leases to deposits | 72.0594% | 5,631 |
| Net loans and leases to core deposits | 89.9611% | 5,439 |
| Total domestic deposits to total assets | 87.4241% | 1,937 |
| Equity capital to assets | 12.1398% | 2,162 |
| Core capital (leverage) ratio | 11.2566% | 2,216 |
| Tier 1 risk-based capital ratio | 18.3779% | 1,894 |
| Total risk-based capital ratio | 19.6470% | 1,838 |
| Memoranda: | ||
| Average total assets | $85,398,000 | 5,574 |
| Average earning assets | $81,463,000 | 5,439 |
| Average equity | $9,876,000 | 5,371 |
| Average total loans | $53,210,750 | 5,584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9990% | 2,181 |
| Cost of funding earning assets | 1.7990% | 4,768 |
| Net interest margin | 4.2000% | 2,002 |
| Noninterest income to average assets | 1.1053% | 1,301 |
| Noninterest expense to average assets | 2.7411% | 5,215 |
| Loan and lease loss provision to assets | 0.4557% | 3,251 |
| Net operating income to assets | 1.9186% | 358 |
| Return on assets (ROA) | 1.9186% | 388 |
| Pretax return on assets | 1.9186% | 671 |
| Return on Equity (ROE) | 16.8670% | 597 |
| Retained earnings to average equity (ytd only) | 10.8064% | 591 |
| Net charge-offs to loans | 0.6063% | 2,526 |
| Credit loss provision to net charge-offs | 121.8750% | 3,812 |
| Earnings coverage of net charge-offs (x) | 6.3500% | 2,640 |
| Efficiency ratio | 53.5861% | 7,375 |
| Assets per employee ($millions) | 3.9058% | 3,858 |
| Cash dividends to net income (ytd only)* | 35.9318% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 1,818 |
| Loan loss allowance to noncurrent loans | 612.8049% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 7,048 |
| Noncurrent loans to loans | 0.3085% | 6,740 |
| Net loans and leases to total assets | 60.6903% | 5,570 |
| Net loans and leases to deposits | 68.9468% | 6,097 |
| Net loans and leases to core deposits | 85.3784% | 5,978 |
| Total domestic deposits to total assets | 88.0249% | 1,758 |
| Equity capital to assets | 11.5329% | 2,520 |
| Core capital (leverage) ratio | 11.1498% | 2,289 |
| Tier 1 risk-based capital ratio | 18.5765% | 1,867 |
| Total risk-based capital ratio | 19.8433% | 1,814 |
| Memoranda: | ||
| Average total assets | $85,585,000 | 5,595 |
| Average earning assets | $81,713,330 | 5,477 |
| Average equity | $9,735,000 | 5,442 |
| Average total loans | $52,780,670 | 5,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0383% | 2,204 |
| Cost of funding earning assets | 1.8531% | 4,863 |
| Net interest margin | 4.1853% | 1,950 |
| Noninterest income to average assets | 0.9788% | 1,550 |
| Noninterest expense to average assets | 2.7068% | 4,974 |
| Loan and lease loss provision to assets | 0.4683% | 2,602 |
| Net operating income to assets | 1.8124% | 517 |
| Return on assets (ROA) | 1.8124% | 573 |
| Pretax return on assets | 1.8124% | 955 |
| Return on Equity (ROE) | 16.0456% | 817 |
| Retained earnings to average equity (ytd only) | 16.0456% | 335 |
| Net charge-offs to loans | 0.8214% | 1,577 |
| Credit loss provision to net charge-offs | 92.5926% | 3,953 |
| Earnings coverage of net charge-offs (x) | 4.5093% | 2,869 |
| Efficiency ratio | 54.2723% | 7,195 |
| Assets per employee ($millions) | 3.7508% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 1,710 |
| Loan loss allowance to noncurrent loans | 473.8916% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 6,815 |
| Noncurrent loans to loans | 0.3931% | 6,438 |
| Net loans and leases to total assets | 58.7430% | 5,840 |
| Net loans and leases to deposits | 66.6610% | 6,316 |
| Net loans and leases to core deposits | 82.9764% | 6,148 |
| Total domestic deposits to total assets | 88.1220% | 1,690 |
| Equity capital to assets | 11.5546% | 2,555 |
| Core capital (leverage) ratio | 11.1068% | 2,421 |
| Tier 1 risk-based capital ratio | 18.6037% | 1,905 |
| Total risk-based capital ratio | 19.8222% | 1,864 |
| Memoranda: | ||
| Average total assets | $85,413,500 | 5,631 |
| Average earning assets | $81,810,500 | 5,491 |
| Average equity | $9,647,500 | 5,491 |
| Average total loans | $52,593,500 | 5,685 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8495% | 1,533 |
| Cost of funding earning assets | 2.3876% | 4,774 |
| Net interest margin | 4.4619% | 1,507 |
| Noninterest income to average assets | 1.1963% | 1,054 |
| Noninterest expense to average assets | 2.6485% | 5,452 |
| Loan and lease loss provision to assets | 0.4285% | 3,141 |
| Net operating income to assets | 2.3672% | 169 |
| Return on assets (ROA) | 2.3672% | 166 |
| Pretax return on assets | 2.3672% | 263 |
| Return on Equity (ROE) | 21.4659% | 279 |
| Retained earnings to average equity (ytd only) | 3.7875% | 2,775 |
| Net charge-offs to loans | 0.4265% | 2,687 |
| Credit loss provision to net charge-offs | 157.7778% | 3,298 |
| Earnings coverage of net charge-offs (x) | 10.2933% | 2,537 |
| Efficiency ratio | 48.6475% | 7,756 |
| Assets per employee ($millions) | 3.6764% | 4,220 |
| Cash dividends to net income (ytd only)* | 82.3559% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 1,602 |
| Loan loss allowance to noncurrent loans | 659.8639% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,868 |
| Noncurrent loans to loans | 0.2745% | 6,548 |
| Net loans and leases to total assets | 62.1798% | 5,597 |
| Net loans and leases to deposits | 70.1760% | 6,259 |
| Net loans and leases to core deposits | 87.1074% | 6,052 |
| Total domestic deposits to total assets | 88.6055% | 1,198 |
| Equity capital to assets | 11.0303% | 3,018 |
| Core capital (leverage) ratio | 10.8400% | 2,713 |
| Tier 1 risk-based capital ratio | 17.2829% | 2,237 |
| Total risk-based capital ratio | 18.5433% | 2,186 |
| Memoranda: | ||
| Average total assets | $82,839,400 | 5,600 |
| Average earning assets | $78,867,400 | 5,468 |
| Average equity | $9,135,400 | 5,695 |
| Average total loans | $52,748,800 | 5,595 |