Home > Community Bank of Memphis > Performance and Condition Ratios
Community Bank of Memphis, 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 | 3.9294% | 4,056 |
| Cost of funding earning assets | 0.7187% | 3,900 |
| Net interest margin | 3.2107% | 2,851 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.9197% | 3,798 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8499% | 2,704 |
| Return on assets (ROA) | 0.8391% | 2,724 |
| Pretax return on assets | 1.0825% | 2,460 |
| Return on Equity (ROE) | 6.5900% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.6867% | 2,359 |
| Net charge-offs to loans | 0.0301% | 1,702 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 74.1250% | 1,072 |
| Efficiency ratio | 62.4446% | 2,789 |
| Assets per employee ($millions) | 5.6260% | 3,137 |
| Cash dividends to net income (ytd only)* | 13.6891% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5266% | 189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.2000% | 3,531 |
| Net loans and leases to deposits | 59.5553% | 3,551 |
| Net loans and leases to core deposits | 61.0115% | 3,729 |
| Total domestic deposits to total assets | 85.9700% | 2,030 |
| Equity capital to assets | 13.7516% | 720 |
| Core capital (leverage) ratio | 13.7573% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,363,000 | 4,308 |
| Average earning assets | $47,029,800 | 4,281 |
| Average equity | $6,541,600 | 4,109 |
| Average total loans | $26,535,200 | 4,192 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,033 |
| Cost of funding earning assets | 0.6464% | 3,882 |
| Net interest margin | 3.2290% | 2,854 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.8883% | 3,824 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8679% | 2,803 |
| Return on assets (ROA) | 0.8536% | 2,832 |
| Pretax return on assets | 1.1304% | 2,481 |
| Return on Equity (ROE) | 6.8400% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.6139% | 2,744 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9858% | 2,842 |
| Assets per employee ($millions) | 5.5238% | 3,164 |
| Cash dividends to net income (ytd only)* | 17.8788% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5191% | 190 |
| Loan loss allowance to noncurrent loans | 8,412.5000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,677 |
| Noncurrent loans to loans | 0.0299% | 3,559 |
| Net loans and leases to total assets | 52.3900% | 3,468 |
| Net loans and leases to deposits | 60.5722% | 3,472 |
| Net loans and leases to core deposits | 62.3755% | 3,599 |
| Total domestic deposits to total assets | 86.4800% | 2,046 |
| Equity capital to assets | 13.2357% | 769 |
| Core capital (leverage) ratio | 13.6139% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,545,250 | 4,323 |
| Average earning assets | $47,237,500 | 4,294 |
| Average equity | $6,436,250 | 4,117 |
| Average total loans | $26,519,750 | 4,209 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,025 |
| Cost of funding earning assets | 0.5654% | 3,841 |
| Net interest margin | 3.2293% | 2,917 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.8445% | 3,922 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8935% | 2,779 |
| Return on assets (ROA) | 0.8935% | 2,764 |
| Pretax return on assets | 1.1772% | 2,423 |
| Return on Equity (ROE) | 7.2900% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.4474% | 2,807 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9004% | 2,976 |
| Assets per employee ($millions) | 5.6634% | 3,008 |
| Cash dividends to net income (ytd only)* | 25.3219% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5383% | 210 |
| Loan loss allowance to noncurrent loans | 9,814.2857% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,704 |
| Noncurrent loans to loans | 0.0259% | 3,574 |
| Net loans and leases to total assets | 51.7500% | 3,428 |
| Net loans and leases to deposits | 59.4099% | 3,459 |
| Net loans and leases to core deposits | 61.1083% | 3,569 |
| Total domestic deposits to total assets | 87.1100% | 1,896 |
| Equity capital to assets | 12.7190% | 882 |
| Core capital (leverage) ratio | 13.1043% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $52,155,667 | 4,334 |
| Average earning assets | $47,750,000 | 4,313 |
| Average equity | $6,388,333 | 4,154 |
| Average total loans | $26,454,333 | 4,222 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 4,001 |
| Cost of funding earning assets | 0.4726% | 3,772 |
| Net interest margin | 3.2416% | 3,012 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.7517% | 4,113 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9707% | 2,624 |
| Return on assets (ROA) | 0.9707% | 2,586 |
| Pretax return on assets | 1.2740% | 2,245 |
| Return on Equity (ROE) | 8.0700% | 3,274 |
| Retained earnings to average equity (ytd only) | 4.3526% | 3,169 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.7568% | 3,327 |
| Assets per employee ($millions) | 5.8387% | 2,899 |
| Cash dividends to net income (ytd only)* | 46.0938% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6210% | 200 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.0800% | 3,626 |
| Net loans and leases to deposits | 54.8871% | 3,634 |
| Net loans and leases to core deposits | 55.6525% | 3,760 |
| Total domestic deposits to total assets | 87.5900% | 2,062 |
| Equity capital to assets | 12.2897% | 921 |
| Core capital (leverage) ratio | 12.5644% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,748,000 | 4,387 |
| Average earning assets | $48,247,500 | 4,369 |
| Average equity | $6,341,000 | 4,212 |
| Average total loans | $26,149,000 | 4,287 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1853% | 3,839 |
| Cost of funding earning assets | 0.3991% | 2,118 |
| Net interest margin | 2.7862% | 3,920 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.8264% | 3,979 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6317% | 3,800 |
| Return on assets (ROA) | 0.6317% | 3,755 |
| Pretax return on assets | 0.8327% | 3,540 |
| Return on Equity (ROE) | 5.5000% | 3,929 |
| Retained earnings to average equity (ytd only) | 3.6532% | 3,520 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3115% | 2,046 |
| Assets per employee ($millions) | 5.8831% | 2,869 |
| Cash dividends to net income (ytd only)* | 33.5244% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5499% | 203 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.5000% | 3,635 |
| Net loans and leases to deposits | 55.0384% | 3,629 |
| Net loans and leases to core deposits | 55.7940% | 3,726 |
| Total domestic deposits to total assets | 88.1300% | 2,026 |
| Equity capital to assets | 11.7549% | 1,007 |
| Core capital (leverage) ratio | 12.1124% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $55,244,200 | 4,384 |
| Average earning assets | $51,109,800 | 4,361 |
| Average equity | $6,350,600 | 4,288 |
| Average total loans | $26,347,200 | 4,294 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0336% | 3,825 |
| Cost of funding earning assets | 0.3904% | 1,361 |
| Net interest margin | 2.6431% | 4,038 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.7724% | 4,033 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5781% | 3,892 |
| Return on assets (ROA) | 0.5781% | 3,845 |
| Pretax return on assets | 0.7691% | 3,656 |
| Return on Equity (ROE) | 5.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 2.6113% | 3,885 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2613% | 1,981 |
| Assets per employee ($millions) | 5.9869% | 2,775 |
| Cash dividends to net income (ytd only)* | 48.3471% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4132% | 251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.9100% | 3,469 |
| Net loans and leases to deposits | 56.2418% | 3,455 |
| Net loans and leases to core deposits | 57.3635% | 3,540 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 11.1336% | 1,135 |
| Core capital (leverage) ratio | 11.7302% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $55,818,250 | 4,414 |
| Average earning assets | $51,907,000 | 4,388 |
| Average equity | $6,382,250 | 4,328 |
| Average total loans | $26,345,500 | 4,326 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8381% | 3,923 |
| Cost of funding earning assets | 0.3875% | 1,004 |
| Net interest margin | 2.4505% | 4,158 |
| Noninterest income to average assets | 0.1346% | 4,337 |
| Noninterest expense to average assets | 1.6931% | 4,154 |
| Loan and lease loss provision to assets | 0.0531% | 1,627 |
| Net operating income to assets | 0.5030% | 3,884 |
| Return on assets (ROA) | 0.5030% | 3,837 |
| Pretax return on assets | 0.6730% | 3,647 |
| Return on Equity (ROE) | 4.3625% | 3,944 |
| Retained earnings to average equity (ytd only) | 0.7680% | 4,041 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9854% | 1,958 |
| Assets per employee ($millions) | 5.5502% | 3,174 |
| Cash dividends to net income (ytd only)* | 82.3944% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4635% | 271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.8668% | 3,640 |
| Net loans and leases to deposits | 52.8538% | 3,620 |
| Net loans and leases to core deposits | 53.8763% | 3,700 |
| Total domestic deposits to total assets | 88.6725% | 2,312 |
| Equity capital to assets | 11.2104% | 1,128 |
| Core capital (leverage) ratio | 11.0735% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,463,667 | 4,451 |
| Average earning assets | $52,641,333 | 4,435 |
| Average equity | $6,510,000 | 4,365 |
| Average total loans | $25,941,667 | 4,394 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6416% | 4,048 |
| Cost of funding earning assets | 0.3936% | 906 |
| Net interest margin | 2.2480% | 4,296 |
| Noninterest income to average assets | 0.1264% | 4,374 |
| Noninterest expense to average assets | 1.6859% | 4,159 |
| Loan and lease loss provision to assets | 0.0562% | 1,383 |
| Net operating income to assets | 0.3442% | 4,070 |
| Return on assets (ROA) | 0.3442% | 4,035 |
| Pretax return on assets | 0.4706% | 3,919 |
| Return on Equity (ROE) | 2.9456% | 4,102 |
| Retained earnings to average equity (ytd only) | -4.0878% | 4,377 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1905% | 1,503 |
| Assets per employee ($millions) | 6.3142% | 2,542 |
| Cash dividends to net income (ytd only)* | 238.7755% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5336% | 278 |
| Loan loss allowance to noncurrent loans | 1,326.5306% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 3,213 |
| Noncurrent loans to loans | 0.1910% | 2,861 |
| Net loans and leases to total assets | 44.0012% | 3,740 |
| Net loans and leases to deposits | 49.5993% | 3,765 |
| Net loans and leases to core deposits | 51.0046% | 3,810 |
| Total domestic deposits to total assets | 88.7133% | 2,205 |
| Equity capital to assets | 11.1776% | 1,250 |
| Core capital (leverage) ratio | 10.8802% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,944,500 | 4,471 |
| Average earning assets | $52,846,500 | 4,453 |
| Average equity | $6,654,000 | 4,394 |
| Average total loans | $25,578,000 | 4,416 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 3,409 |
| Cost of funding earning assets | 0.5113% | 880 |
| Net interest margin | 2.7169% | 3,843 |
| Noninterest income to average assets | 0.1211% | 4,528 |
| Noninterest expense to average assets | 1.5536% | 4,482 |
| Loan and lease loss provision to assets | 0.0579% | 1,901 |
| Net operating income to assets | 0.7759% | 3,404 |
| Return on assets (ROA) | 0.7759% | 3,472 |
| Pretax return on assets | 1.0094% | 3,237 |
| Return on Equity (ROE) | 6.4501% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.5891% | 2,521 |
| Net charge-offs to loans | 0.0304% | 1,631 |
| Credit loss provision to net charge-offs | 412.5000% | 897 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 1,023 |
| Efficiency ratio | 59.2766% | 3,262 |
| Assets per employee ($millions) | 5.7061% | 3,047 |
| Cash dividends to net income (ytd only)* | 13.3484% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5175% | 270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.5657% | 3,860 |
| Net loans and leases to deposits | 49.7130% | 3,907 |
| Net loans and leases to core deposits | 51.1323% | 3,959 |
| Total domestic deposits to total assets | 87.6343% | 2,228 |
| Equity capital to assets | 12.1905% | 1,174 |
| Core capital (leverage) ratio | 11.1138% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,965,200 | 4,491 |
| Average earning assets | $52,412,600 | 4,483 |
| Average equity | $6,852,600 | 4,439 |
| Average total loans | $26,310,600 | 4,450 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3797% | 3,160 |
| Cost of funding earning assets | 0.5361% | 888 |
| Net interest margin | 2.8436% | 3,673 |
| Noninterest income to average assets | 0.1194% | 4,585 |
| Noninterest expense to average assets | 1.6203% | 4,444 |
| Loan and lease loss provision to assets | 0.0580% | 1,829 |
| Net operating income to assets | 0.7774% | 3,579 |
| Return on assets (ROA) | 0.7774% | 3,643 |
| Pretax return on assets | 1.0490% | 3,327 |
| Return on Equity (ROE) | 6.4841% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.3318% | 3,091 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3991% | 3,080 |
| Assets per employee ($millions) | 6.3496% | 2,375 |
| Cash dividends to net income (ytd only)* | 17.7711% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4568% | 307 |
| Loan loss allowance to noncurrent loans | 2,140.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,788 |
| Noncurrent loans to loans | 0.1148% | 3,516 |
| Net loans and leases to total assets | 44.6050% | 3,901 |
| Net loans and leases to deposits | 50.9953% | 3,953 |
| Net loans and leases to core deposits | 52.4507% | 4,016 |
| Total domestic deposits to total assets | 87.4689% | 2,124 |
| Equity capital to assets | 12.1986% | 1,312 |
| Core capital (leverage) ratio | 10.9998% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,941,250 | 4,547 |
| Average earning assets | $52,232,250 | 4,545 |
| Average equity | $6,826,750 | 4,504 |
| Average total loans | $26,513,000 | 4,505 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1651% | 3,736 |
| Cost of funding earning assets | 0.5640% | 895 |
| Net interest margin | 2.6012% | 4,167 |
| Noninterest income to average assets | 0.1231% | 4,586 |
| Noninterest expense to average assets | 1.6282% | 4,472 |
| Loan and lease loss provision to assets | 0.0633% | 1,776 |
| Net operating income to assets | 0.5943% | 3,992 |
| Return on assets (ROA) | 0.5943% | 4,050 |
| Pretax return on assets | 0.8159% | 3,832 |
| Return on Equity (ROE) | 4.9862% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.2455% | 3,765 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9369% | 2,307 |
| Assets per employee ($millions) | 5.2055% | 3,450 |
| Cash dividends to net income (ytd only)* | 34.9112% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3398% | 337 |
| Loan loss allowance to noncurrent loans | 2,189.6552% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,914 |
| Noncurrent loans to loans | 0.1069% | 3,654 |
| Net loans and leases to total assets | 46.2871% | 3,886 |
| Net loans and leases to deposits | 52.7034% | 3,953 |
| Net loans and leases to core deposits | 54.4879% | 3,996 |
| Total domestic deposits to total assets | 87.8257% | 1,926 |
| Equity capital to assets | 11.9123% | 1,410 |
| Core capital (leverage) ratio | 10.5017% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,873,000 | 4,577 |
| Average earning assets | $52,130,667 | 4,570 |
| Average equity | $6,778,667 | 4,531 |
| Average total loans | $26,640,000 | 4,535 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8710% | 4,291 |
| Cost of funding earning assets | 0.5927% | 901 |
| Net interest margin | 2.2783% | 4,544 |
| Noninterest income to average assets | 0.1200% | 4,591 |
| Noninterest expense to average assets | 1.6796% | 4,414 |
| Loan and lease loss provision to assets | 0.0706% | 1,746 |
| Net operating income to assets | 0.3105% | 4,501 |
| Return on assets (ROA) | 0.3105% | 4,537 |
| Pretax return on assets | 0.4587% | 4,408 |
| Return on Equity (ROE) | 2.6045% | 4,540 |
| Retained earnings to average equity (ytd only) | -0.8879% | 4,452 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0383% | 1,134 |
| Assets per employee ($millions) | 6.5102% | 2,171 |
| Cash dividends to net income (ytd only)* | 134.0909% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 345 |
| Loan loss allowance to noncurrent loans | 2,162.0690% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 4,022 |
| Noncurrent loans to loans | 0.1078% | 3,770 |
| Net loans and leases to total assets | 44.8235% | 4,054 |
| Net loans and leases to deposits | 50.7684% | 4,120 |
| Net loans and leases to core deposits | 52.8176% | 4,152 |
| Total domestic deposits to total assets | 88.2902% | 1,706 |
| Equity capital to assets | 11.4538% | 1,571 |
| Core capital (leverage) ratio | 10.7901% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,679,500 | 4,597 |
| Average earning assets | $51,968,000 | 4,590 |
| Average equity | $6,757,500 | 4,549 |
| Average total loans | $26,390,500 | 4,562 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,228 |
| Cost of funding earning assets | 0.7231% | 1,600 |
| Net interest margin | 3.1036% | 3,617 |
| Noninterest income to average assets | 0.1403% | 4,593 |
| Noninterest expense to average assets | 1.8236% | 4,436 |
| Loan and lease loss provision to assets | 0.1017% | 3,057 |
| Net operating income to assets | 0.6648% | 3,538 |
| Return on assets (ROA) | 0.6648% | 3,667 |
| Pretax return on assets | 0.9027% | 3,358 |
| Return on Equity (ROE) | 4.8908% | 3,934 |
| Retained earnings to average equity (ytd only) | 3.1409% | 3,264 |
| Net charge-offs to loans | 0.0152% | 2,808 |
| Credit loss provision to net charge-offs | 1,250.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 692 |
| Efficiency ratio | 64.4860% | 2,742 |
| Assets per employee ($millions) | 6.0852% | 2,268 |
| Cash dividends to net income (ytd only)* | 35.7798% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3831% | 306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 46.1482% | 4,115 |
| Net loans and leases to deposits | 52.8689% | 4,169 |
| Net loans and leases to core deposits | 55.1810% | 4,197 |
| Total domestic deposits to total assets | 87.2880% | 1,801 |
| Equity capital to assets | 12.4235% | 1,359 |
| Core capital (leverage) ratio | 11.0001% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,187,200 | 4,665 |
| Average earning assets | $42,595,400 | 4,687 |
| Average equity | $6,686,000 | 4,565 |
| Average total loans | $26,349,000 | 4,594 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 2,895 |
| Cost of funding earning assets | 0.7463% | 1,770 |
| Net interest margin | 3.2809% | 3,247 |
| Noninterest income to average assets | 0.1506% | 4,547 |
| Noninterest expense to average assets | 1.8301% | 4,441 |
| Loan and lease loss provision to assets | 0.1088% | 2,959 |
| Net operating income to assets | 0.7253% | 3,374 |
| Return on assets (ROA) | 0.7253% | 3,472 |
| Pretax return on assets | 0.9960% | 3,082 |
| Return on Equity (ROE) | 5.2078% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.8643% | 3,571 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3574% | 3,015 |
| Assets per employee ($millions) | 5.8244% | 2,421 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 347 |
| Loan loss allowance to noncurrent loans | 4,692.3077% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,341 |
| Noncurrent loans to loans | 0.0472% | 4,193 |
| Net loans and leases to total assets | 51.4250% | 4,002 |
| Net loans and leases to deposits | 59.3126% | 4,107 |
| Net loans and leases to core deposits | 62.0400% | 4,104 |
| Total domestic deposits to total assets | 86.7016% | 1,772 |
| Equity capital to assets | 12.8844% | 1,235 |
| Core capital (leverage) ratio | 12.1099% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,792,250 | 4,702 |
| Average earning assets | $40,557,000 | 4,731 |
| Average equity | $6,656,500 | 4,587 |
| Average total loans | $26,463,500 | 4,616 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,697 |
| Cost of funding earning assets | 0.7642% | 2,026 |
| Net interest margin | 3.4545% | 2,934 |
| Noninterest income to average assets | 0.1600% | 4,491 |
| Noninterest expense to average assets | 1.8724% | 4,458 |
| Loan and lease loss provision to assets | 0.1124% | 2,889 |
| Net operating income to assets | 0.7784% | 3,120 |
| Return on assets (ROA) | 0.7784% | 3,233 |
| Pretax return on assets | 1.0681% | 2,811 |
| Return on Equity (ROE) | 5.4348% | 3,706 |
| Retained earnings to average equity (ytd only) | 1.9022% | 3,798 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3314% | 3,229 |
| Assets per employee ($millions) | 5.5931% | 2,551 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 327 |
| Loan loss allowance to noncurrent loans | 918.4615% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 3,882 |
| Noncurrent loans to loans | 0.2406% | 3,519 |
| Net loans and leases to total assets | 52.4852% | 3,993 |
| Net loans and leases to deposits | 60.7915% | 4,079 |
| Net loans and leases to core deposits | 62.5844% | 4,151 |
| Total domestic deposits to total assets | 86.3364% | 1,875 |
| Equity capital to assets | 13.2802% | 1,050 |
| Core capital (leverage) ratio | 12.8569% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,249,667 | 4,745 |
| Average earning assets | $38,731,667 | 4,776 |
| Average equity | $6,624,000 | 4,613 |
| Average total loans | $26,095,667 | 4,645 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 2,543 |
| Cost of funding earning assets | 0.8018% | 2,384 |
| Net interest margin | 3.6190% | 2,606 |
| Noninterest income to average assets | 0.2172% | 4,251 |
| Noninterest expense to average assets | 1.9545% | 4,481 |
| Loan and lease loss provision to assets | 0.0905% | 2,553 |
| Net operating income to assets | 0.8777% | 2,589 |
| Return on assets (ROA) | 0.8777% | 2,693 |
| Pretax return on assets | 1.1944% | 2,219 |
| Return on Equity (ROE) | 5.8846% | 3,359 |
| Retained earnings to average equity (ytd only) | -1.2133% | 4,169 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3352% | 3,699 |
| Assets per employee ($millions) | 4.9491% | 2,706 |
| Cash dividends to net income (ytd only)* | 120.6186% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2290% | 359 |
| Loan loss allowance to noncurrent loans | 1,139.2157% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 4,052 |
| Noncurrent loans to loans | 0.1957% | 3,780 |
| Net loans and leases to total assets | 57.2134% | 3,732 |
| Net loans and leases to deposits | 67.5431% | 3,760 |
| Net loans and leases to core deposits | 69.8421% | 3,889 |
| Total domestic deposits to total assets | 84.7066% | 2,525 |
| Equity capital to assets | 14.8377% | 792 |
| Core capital (leverage) ratio | 13.3883% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,205,500 | 4,798 |
| Average earning assets | $36,916,000 | 4,834 |
| Average equity | $6,593,500 | 4,650 |
| Average total loans | $25,635,000 | 4,678 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 3,449 |
| Cost of funding earning assets | 0.7943% | 2,715 |
| Net interest margin | 3.5381% | 3,320 |
| Noninterest income to average assets | 0.1996% | 4,464 |
| Noninterest expense to average assets | 1.8680% | 4,694 |
| Loan and lease loss provision to assets | 0.0911% | 2,201 |
| Net operating income to assets | 0.9958% | 2,861 |
| Return on assets (ROA) | 0.9958% | 2,946 |
| Pretax return on assets | 1.3234% | 2,426 |
| Return on Equity (ROE) | 7.2588% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.4085% | 2,222 |
| Net charge-offs to loans | 0.0195% | 3,034 |
| Credit loss provision to net charge-offs | 840.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 130.4000% | 559 |
| Efficiency ratio | 56.9068% | 4,102 |
| Assets per employee ($millions) | 4.3869% | 3,393 |
| Cash dividends to net income (ytd only)* | 25.4902% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.1535% | 3,914 |
| Net loans and leases to deposits | 66.3399% | 3,936 |
| Net loans and leases to core deposits | 68.6299% | 4,047 |
| Total domestic deposits to total assets | 84.6452% | 2,627 |
| Equity capital to assets | 14.9946% | 796 |
| Core capital (leverage) ratio | 12.9344% | 1,261 |
| Tier 1 risk-based capital ratio | 23.2740% | 891 |
| Total risk-based capital ratio | 24.5351% | 871 |
| Memoranda: | ||
| Average total assets | $46,092,200 | 4,814 |
| Average earning assets | $40,163,000 | 4,840 |
| Average equity | $6,323,400 | 4,717 |
| Average total loans | $25,641,000 | 4,737 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 3,703 |
| Cost of funding earning assets | 0.7762% | 2,838 |
| Net interest margin | 3.5090% | 3,536 |
| Noninterest income to average assets | 0.1886% | 4,584 |
| Noninterest expense to average assets | 1.8007% | 4,814 |
| Loan and lease loss provision to assets | 0.0886% | 2,129 |
| Net operating income to assets | 1.0232% | 2,900 |
| Return on assets (ROA) | 1.0232% | 2,974 |
| Pretax return on assets | 1.3748% | 2,403 |
| Return on Equity (ROE) | 7.6252% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.1333% | 2,827 |
| Net charge-offs to loans | -0.0052% | 4,214 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1664% | 4,260 |
| Assets per employee ($millions) | 4.1110% | 3,743 |
| Cash dividends to net income (ytd only)* | 32.6825% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 345 |
| Loan loss allowance to noncurrent loans | 9,433.3333% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,690 |
| Noncurrent loans to loans | 0.0230% | 4,575 |
| Net loans and leases to total assets | 56.3521% | 4,025 |
| Net loans and leases to deposits | 66.0815% | 4,057 |
| Net loans and leases to core deposits | 68.2714% | 4,155 |
| Total domestic deposits to total assets | 85.2768% | 2,308 |
| Equity capital to assets | 14.3053% | 1,039 |
| Core capital (leverage) ratio | 12.5870% | 1,533 |
| Tier 1 risk-based capital ratio | 22.1168% | 1,054 |
| Total risk-based capital ratio | 23.3746% | 1,024 |
| Memoranda: | ||
| Average total assets | $46,648,000 | 4,875 |
| Average earning assets | $40,884,500 | 4,901 |
| Average equity | $6,259,750 | 4,789 |
| Average total loans | $25,750,000 | 4,801 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 4,013 |
| Cost of funding earning assets | 0.7587% | 2,850 |
| Net interest margin | 3.4047% | 3,881 |
| Noninterest income to average assets | 0.1995% | 4,559 |
| Noninterest expense to average assets | 1.7783% | 4,897 |
| Loan and lease loss provision to assets | 0.0891% | 2,062 |
| Net operating income to assets | 0.9974% | 2,931 |
| Return on assets (ROA) | 0.9974% | 2,997 |
| Pretax return on assets | 1.3412% | 2,409 |
| Return on Equity (ROE) | 7.5929% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.8126% | 3,343 |
| Net charge-offs to loans | -0.0078% | 4,247 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4233% | 4,319 |
| Assets per employee ($millions) | 4.3148% | 3,413 |
| Cash dividends to net income (ytd only)* | 49.7872% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.2604% | 4,272 |
| Net loans and leases to deposits | 61.7374% | 4,341 |
| Net loans and leases to core deposits | 63.6590% | 4,427 |
| Total domestic deposits to total assets | 86.2693% | 1,909 |
| Equity capital to assets | 13.3641% | 1,397 |
| Core capital (leverage) ratio | 12.1436% | 1,728 |
| Tier 1 risk-based capital ratio | 21.7369% | 1,090 |
| Total risk-based capital ratio | 22.9964% | 1,062 |
| Memoranda: | ||
| Average total assets | $47,123,670 | 4,910 |
| Average earning assets | $41,648,330 | 4,934 |
| Average equity | $6,190,000 | 4,832 |
| Average total loans | $25,650,330 | 4,840 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 4,086 |
| Cost of funding earning assets | 0.7421% | 2,822 |
| Net interest margin | 3.3733% | 3,969 |
| Noninterest income to average assets | 0.2130% | 4,468 |
| Noninterest expense to average assets | 1.8145% | 4,907 |
| Loan and lease loss provision to assets | 0.0852% | 1,998 |
| Net operating income to assets | 0.9626% | 2,997 |
| Return on assets (ROA) | 0.9626% | 3,042 |
| Pretax return on assets | 1.2949% | 2,473 |
| Return on Equity (ROE) | 7.3935% | 3,506 |
| Retained earnings to average equity (ytd only) | -0.2617% | 4,571 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8000% | 4,241 |
| Assets per employee ($millions) | 4.6421% | 2,986 |
| Cash dividends to net income (ytd only)* | 103.5398% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1629% | 376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.0083% | 4,275 |
| Net loans and leases to deposits | 61.3825% | 4,340 |
| Net loans and leases to core deposits | 63.3320% | 4,414 |
| Total domestic deposits to total assets | 86.3575% | 2,125 |
| Equity capital to assets | 13.2505% | 1,316 |
| Core capital (leverage) ratio | 12.0289% | 1,755 |
| Tier 1 risk-based capital ratio | 21.7173% | 1,084 |
| Total risk-based capital ratio | 22.9761% | 1,063 |
| Memoranda: | ||
| Average total assets | $46,954,000 | 4,957 |
| Average earning assets | $41,502,500 | 4,983 |
| Average equity | $6,113,500 | 4,878 |
| Average total loans | $25,558,000 | 4,896 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 4,175 |
| Cost of funding earning assets | 0.6870% | 2,166 |
| Net interest margin | 3.2603% | 4,360 |
| Noninterest income to average assets | 0.2127% | 4,634 |
| Noninterest expense to average assets | 1.7222% | 5,070 |
| Loan and lease loss provision to assets | 0.0859% | 2,421 |
| Net operating income to assets | 1.0227% | 2,918 |
| Return on assets (ROA) | 1.0227% | 2,906 |
| Pretax return on assets | 1.3459% | 2,338 |
| Return on Equity (ROE) | 8.5985% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.5838% | 1,423 |
| Net charge-offs to loans | 0.0077% | 3,408 |
| Credit loss provision to net charge-offs | 2,100.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 296 |
| Efficiency ratio | 54.6044% | 4,567 |
| Assets per employee ($millions) | 4.7487% | 2,813 |
| Cash dividends to net income (ytd only)* | 11.8000% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.5536% | 4,314 |
| Net loans and leases to deposits | 61.5957% | 4,400 |
| Net loans and leases to core deposits | 63.4918% | 4,474 |
| Total domestic deposits to total assets | 86.9438% | 1,803 |
| Equity capital to assets | 12.7951% | 1,439 |
| Core capital (leverage) ratio | 11.4451% | 2,143 |
| Tier 1 risk-based capital ratio | 20.9780% | 1,154 |
| Total risk-based capital ratio | 22.2350% | 1,143 |
| Memoranda: | ||
| Average total assets | $48,890,600 | 4,954 |
| Average earning assets | $44,106,400 | 4,975 |
| Average equity | $5,815,000 | 4,928 |
| Average total loans | $25,893,800 | 4,913 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 4,357 |
| Cost of funding earning assets | 0.6694% | 2,036 |
| Net interest margin | 3.1657% | 4,585 |
| Noninterest income to average assets | 0.2031% | 4,753 |
| Noninterest expense to average assets | 1.6923% | 5,141 |
| Loan and lease loss provision to assets | 0.0867% | 2,242 |
| Net operating income to assets | 0.9802% | 3,178 |
| Return on assets (ROA) | 0.9802% | 3,187 |
| Pretax return on assets | 1.3051% | 2,610 |
| Return on Equity (ROE) | 8.3943% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.0262% | 2,115 |
| Net charge-offs to loans | -0.0051% | 4,230 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8727% | 4,521 |
| Assets per employee ($millions) | 4.7804% | 2,751 |
| Cash dividends to net income (ytd only)* | 16.2975% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 482 |
| Loan loss allowance to noncurrent loans | 10,540.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,963 |
| Noncurrent loans to loans | 0.0190% | 4,825 |
| Net loans and leases to total assets | 53.9181% | 4,365 |
| Net loans and leases to deposits | 61.6789% | 4,458 |
| Net loans and leases to core deposits | 64.5941% | 4,483 |
| Total domestic deposits to total assets | 87.4174% | 1,536 |
| Equity capital to assets | 12.2605% | 1,736 |
| Core capital (leverage) ratio | 11.2581% | 2,374 |
| Tier 1 risk-based capital ratio | 20.2061% | 1,298 |
| Total risk-based capital ratio | 21.4631% | 1,272 |
| Memoranda: | ||
| Average total assets | $49,241,500 | 5,004 |
| Average earning assets | $44,812,250 | 5,012 |
| Average equity | $5,749,750 | 4,994 |
| Average total loans | $25,876,000 | 4,971 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,467 |
| Cost of funding earning assets | 0.6623% | 1,857 |
| Net interest margin | 3.0890% | 4,746 |
| Noninterest income to average assets | 0.2092% | 4,761 |
| Noninterest expense to average assets | 1.7015% | 5,199 |
| Loan and lease loss provision to assets | 0.0845% | 2,225 |
| Net operating income to assets | 0.9131% | 3,403 |
| Return on assets (ROA) | 0.9131% | 3,406 |
| Pretax return on assets | 1.2188% | 2,876 |
| Return on Equity (ROE) | 7.9472% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.8817% | 2,618 |
| Net charge-offs to loans | -0.0155% | 4,473 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6265% | 4,398 |
| Assets per employee ($millions) | 4.3360% | 3,373 |
| Cash dividends to net income (ytd only)* | 25.9912% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 554 |
| Loan loss allowance to noncurrent loans | 10,340.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,992 |
| Noncurrent loans to loans | 0.0190% | 4,854 |
| Net loans and leases to total assets | 54.2100% | 4,322 |
| Net loans and leases to deposits | 61.8402% | 4,429 |
| Net loans and leases to core deposits | 64.7598% | 4,442 |
| Total domestic deposits to total assets | 87.6614% | 1,555 |
| Equity capital to assets | 12.0660% | 1,814 |
| Core capital (leverage) ratio | 10.7223% | 2,781 |
| Tier 1 risk-based capital ratio | 19.6513% | 1,392 |
| Total risk-based capital ratio | 20.9091% | 1,358 |
| Memoranda: | ||
| Average total assets | $49,720,670 | 5,050 |
| Average earning assets | $44,997,670 | 5,071 |
| Average equity | $5,712,670 | 5,048 |
| Average total loans | $25,734,000 | 5,030 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 4,747 |
| Cost of funding earning assets | 0.6430% | 1,763 |
| Net interest margin | 2.9370% | 4,976 |
| Noninterest income to average assets | 0.1971% | 4,841 |
| Noninterest expense to average assets | 1.6636% | 5,276 |
| Loan and lease loss provision to assets | 0.0867% | 2,064 |
| Net operating income to assets | 0.8357% | 3,574 |
| Return on assets (ROA) | 0.8357% | 3,588 |
| Pretax return on assets | 1.1117% | 3,130 |
| Return on Equity (ROE) | 7.4497% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.4497% | 2,079 |
| Net charge-offs to loans | -0.0315% | 4,768 |
| Credit loss provision to net charge-offs | -550.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1267% | 4,322 |
| Assets per employee ($millions) | 4.5218% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 569 |
| Loan loss allowance to noncurrent loans | 10,140.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,079 |
| Noncurrent loans to loans | 0.0195% | 4,904 |
| Net loans and leases to total assets | 50.5368% | 4,522 |
| Net loans and leases to deposits | 57.3328% | 4,623 |
| Net loans and leases to core deposits | 59.9071% | 4,659 |
| Total domestic deposits to total assets | 88.1464% | 1,540 |
| Equity capital to assets | 11.4837% | 2,147 |
| Core capital (leverage) ratio | 10.4920% | 2,952 |
| Tier 1 risk-based capital ratio | 20.4928% | 1,263 |
| Total risk-based capital ratio | 21.7488% | 1,245 |
| Memoranda: | ||
| Average total assets | $50,733,000 | 5,097 |
| Average earning assets | $46,034,000 | 5,101 |
| Average equity | $5,691,500 | 5,102 |
| Average total loans | $25,414,500 | 5,093 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 4,411 |
| Cost of funding earning assets | 0.6166% | 1,495 |
| Net interest margin | 3.0530% | 4,781 |
| Noninterest income to average assets | 0.2058% | 4,909 |
| Noninterest expense to average assets | 1.6487% | 5,375 |
| Loan and lease loss provision to assets | 0.0864% | 2,464 |
| Net operating income to assets | 0.8686% | 2,872 |
| Return on assets (ROA) | 0.8686% | 2,894 |
| Pretax return on assets | 1.1917% | 2,804 |
| Return on Equity (ROE) | 7.6688% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.5966% | 1,233 |
| Net charge-offs to loans | 0.0234% | 3,338 |
| Credit loss provision to net charge-offs | 700.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 635 |
| Efficiency ratio | 56.3291% | 4,733 |
| Assets per employee ($millions) | 4.7024% | 2,860 |
| Cash dividends to net income (ytd only)* | 13.9810% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 577 |
| Loan loss allowance to noncurrent loans | 1,703.4483% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,854 |
| Noncurrent loans to loans | 0.1151% | 4,471 |
| Net loans and leases to total assets | 47.7342% | 4,786 |
| Net loans and leases to deposits | 53.8106% | 4,909 |
| Net loans and leases to core deposits | 57.0864% | 4,891 |
| Total domestic deposits to total assets | 88.7078% | 1,142 |
| Equity capital to assets | 10.9635% | 2,663 |
| Core capital (leverage) ratio | 10.1213% | 3,282 |
| Tier 1 risk-based capital ratio | 20.2787% | 1,269 |
| Total risk-based capital ratio | 21.5356% | 1,233 |
| Memoranda: | ||
| Average total assets | $48,584,400 | 5,182 |
| Average earning assets | $43,302,000 | 5,203 |
| Average equity | $5,502,800 | 5,184 |
| Average total loans | $25,633,400 | 5,139 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,352 |
| Cost of funding earning assets | 0.6042% | 1,504 |
| Net interest margin | 3.0841% | 4,748 |
| Noninterest income to average assets | 0.2120% | 4,949 |
| Noninterest expense to average assets | 1.6234% | 5,432 |
| Loan and lease loss provision to assets | 0.0893% | 2,290 |
| Net operating income to assets | 0.7671% | 3,661 |
| Return on assets (ROA) | 0.7671% | 3,715 |
| Pretax return on assets | 1.2329% | 2,778 |
| Return on Equity (ROE) | 6.7145% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.2738% | 2,706 |
| Net charge-offs to loans | -0.0259% | 4,938 |
| Credit loss provision to net charge-offs | -640.0000% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1136% | 4,837 |
| Assets per employee ($millions) | 4.4400% | 3,255 |
| Cash dividends to net income (ytd only)* | 21.4531% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 750 |
| Loan loss allowance to noncurrent loans | 1,302.6316% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,857 |
| Noncurrent loans to loans | 0.1436% | 4,478 |
| Net loans and leases to total assets | 53.1798% | 4,480 |
| Net loans and leases to deposits | 60.4487% | 4,617 |
| Net loans and leases to core deposits | 61.8891% | 4,715 |
| Total domestic deposits to total assets | 87.9750% | 1,375 |
| Equity capital to assets | 11.4578% | 2,415 |
| Core capital (leverage) ratio | 9.9889% | 3,580 |
| Tier 1 risk-based capital ratio | 18.1474% | 1,818 |
| Total risk-based capital ratio | 19.4039% | 1,772 |
| Memoranda: | ||
| Average total assets | $47,799,000 | 5,254 |
| Average earning assets | $42,367,250 | 5,283 |
| Average equity | $5,460,750 | 5,248 |
| Average total loans | $25,745,500 | 5,183 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,317 |
| Cost of funding earning assets | 0.6027% | 1,425 |
| Net interest margin | 3.0663% | 4,755 |
| Noninterest income to average assets | 0.2065% | 5,012 |
| Noninterest expense to average assets | 1.6269% | 5,473 |
| Loan and lease loss provision to assets | 0.0885% | 2,213 |
| Net operating income to assets | 0.7418% | 3,661 |
| Return on assets (ROA) | 0.7418% | 3,727 |
| Pretax return on assets | 1.1928% | 2,791 |
| Return on Equity (ROE) | 6.4997% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.3208% | 3,134 |
| Net charge-offs to loans | -0.0314% | 4,979 |
| Credit loss provision to net charge-offs | -525.0000% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9420% | 4,834 |
| Assets per employee ($millions) | 4.2961% | 3,441 |
| Cash dividends to net income (ytd only)* | 33.5227% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 799 |
| Loan loss allowance to noncurrent loans | 142.4779% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 2,415 |
| Noncurrent loans to loans | 1.2982% | 1,480 |
| Net loans and leases to total assets | 54.2375% | 4,373 |
| Net loans and leases to deposits | 61.7704% | 4,518 |
| Net loans and leases to core deposits | 63.2958% | 4,649 |
| Total domestic deposits to total assets | 87.8050% | 1,560 |
| Equity capital to assets | 11.6364% | 2,205 |
| Core capital (leverage) ratio | 9.9431% | 3,605 |
| Tier 1 risk-based capital ratio | 17.9324% | 1,873 |
| Total risk-based capital ratio | 19.1890% | 1,824 |
| Memoranda: | ||
| Average total assets | $47,452,000 | 5,302 |
| Average earning assets | $41,809,330 | 5,329 |
| Average equity | $5,415,670 | 5,290 |
| Average total loans | $25,504,670 | 5,231 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,451 |
| Cost of funding earning assets | 0.5948% | 1,409 |
| Net interest margin | 2.9930% | 4,901 |
| Noninterest income to average assets | 0.2103% | 5,005 |
| Noninterest expense to average assets | 1.6404% | 5,526 |
| Loan and lease loss provision to assets | 0.0925% | 1,994 |
| Net operating income to assets | 0.6814% | 3,785 |
| Return on assets (ROA) | 0.6814% | 3,822 |
| Pretax return on assets | 1.1020% | 2,970 |
| Return on Equity (ROE) | 6.0290% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.0290% | 2,316 |
| Net charge-offs to loans | -0.0317% | 4,959 |
| Credit loss provision to net charge-offs | -550.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8635% | 4,732 |
| Assets per employee ($millions) | 4.8025% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 873 |
| Loan loss allowance to noncurrent loans | 5,887.5000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,282 |
| Noncurrent loans to loans | 0.0314% | 5,085 |
| Net loans and leases to total assets | 52.0875% | 4,509 |
| Net loans and leases to deposits | 59.1259% | 4,624 |
| Net loans and leases to core deposits | 60.5573% | 4,747 |
| Total domestic deposits to total assets | 88.0958% | 1,665 |
| Equity capital to assets | 11.3149% | 2,339 |
| Core capital (leverage) ratio | 9.8424% | 3,703 |
| Tier 1 risk-based capital ratio | 18.3056% | 1,779 |
| Total risk-based capital ratio | 19.5623% | 1,744 |
| Memoranda: | ||
| Average total assets | $47,549,500 | 5,361 |
| Average earning assets | $41,697,000 | 5,388 |
| Average equity | $5,374,000 | 5,348 |
| Average total loans | $25,200,000 | 5,292 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 4,334 |
| Cost of funding earning assets | 0.6495% | 1,059 |
| Net interest margin | 3.0134% | 4,929 |
| Noninterest income to average assets | 0.2110% | 5,152 |
| Noninterest expense to average assets | 1.6817% | 5,581 |
| Loan and lease loss provision to assets | 0.0923% | 2,512 |
| Net operating income to assets | 0.6859% | 3,843 |
| Return on assets (ROA) | 0.6859% | 3,956 |
| Pretax return on assets | 1.0684% | 3,223 |
| Return on Equity (ROE) | 5.9307% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.8092% | 2,466 |
| Net charge-offs to loans | 0.0579% | 2,891 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 37.7143% | 1,228 |
| Efficiency ratio | 59.1647% | 4,707 |
| Assets per employee ($millions) | 4.7074% | 2,778 |
| Cash dividends to net income (ytd only)* | 18.9103% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 890 |
| Loan loss allowance to noncurrent loans | 45,800.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,436 |
| Noncurrent loans to loans | 0.0040% | 5,301 |
| Net loans and leases to total assets | 51.9522% | 4,611 |
| Net loans and leases to deposits | 58.9401% | 4,739 |
| Net loans and leases to core deposits | 60.3956% | 4,844 |
| Total domestic deposits to total assets | 88.1442% | 1,565 |
| Equity capital to assets | 11.2886% | 2,336 |
| Core capital (leverage) ratio | 9.8774% | 3,656 |
| Tier 1 risk-based capital ratio | 18.3607% | 1,756 |
| Total risk-based capital ratio | 19.6154% | 1,723 |
| Memoranda: | ||
| Average total assets | $45,489,200 | 5,429 |
| Average earning assets | $39,722,400 | 5,477 |
| Average equity | $5,260,800 | 5,419 |
| Average total loans | $24,196,000 | 5,384 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6728% | 4,335 |
| Cost of funding earning assets | 0.6521% | 1,050 |
| Net interest margin | 3.0207% | 4,974 |
| Noninterest income to average assets | 0.2040% | 5,248 |
| Noninterest expense to average assets | 1.7120% | 5,602 |
| Loan and lease loss provision to assets | 0.0946% | 2,335 |
| Net operating income to assets | 0.6564% | 4,050 |
| Return on assets (ROA) | 0.6564% | 4,171 |
| Pretax return on assets | 1.0408% | 3,469 |
| Return on Equity (ROE) | 5.6406% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.1416% | 3,365 |
| Net charge-offs to loans | 0.0777% | 2,208 |
| Credit loss provision to net charge-offs | 228.5714% | 1,291 |
| Earnings coverage of net charge-offs (x) | 27.4231% | 1,567 |
| Efficiency ratio | 60.1246% | 4,521 |
| Assets per employee ($millions) | 4.4724% | 3,127 |
| Cash dividends to net income (ytd only)* | 26.5752% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 1,091 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,493 |
| Noncurrent loans to loans | 0.0157% | 5,334 |
| Net loans and leases to total assets | 56.0527% | 4,303 |
| Net loans and leases to deposits | 64.2334% | 4,470 |
| Net loans and leases to core deposits | 65.9225% | 4,612 |
| Total domestic deposits to total assets | 87.2641% | 1,772 |
| Equity capital to assets | 11.9667% | 2,147 |
| Core capital (leverage) ratio | 9.8430% | 3,760 |
| Tier 1 risk-based capital ratio | 17.6615% | 2,021 |
| Total risk-based capital ratio | 18.9173% | 1,977 |
| Memoranda: | ||
| Average total assets | $45,093,000 | 5,494 |
| Average earning assets | $39,460,250 | 5,537 |
| Average equity | $5,247,500 | 5,477 |
| Average total loans | $24,016,500 | 5,446 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 4,720 |
| Cost of funding earning assets | 0.6451% | 1,072 |
| Net interest margin | 2.9107% | 5,249 |
| Noninterest income to average assets | 0.1902% | 5,360 |
| Noninterest expense to average assets | 1.7206% | 5,673 |
| Loan and lease loss provision to assets | 0.0929% | 2,296 |
| Net operating income to assets | 0.5971% | 4,284 |
| Return on assets (ROA) | 0.5971% | 4,406 |
| Pretax return on assets | 0.9510% | 3,773 |
| Return on Equity (ROE) | 5.1797% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.9160% | 4,056 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2400% | 4,309 |
| Assets per employee ($millions) | 4.5343% | 2,960 |
| Cash dividends to net income (ytd only)* | 43.7037% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 1,013 |
| Loan loss allowance to noncurrent loans | 2,255.0000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 5,398 |
| Noncurrent loans to loans | 0.0814% | 5,128 |
| Net loans and leases to total assets | 53.1615% | 4,571 |
| Net loans and leases to deposits | 60.6980% | 4,755 |
| Net loans and leases to core deposits | 62.6739% | 4,842 |
| Total domestic deposits to total assets | 87.5835% | 1,631 |
| Equity capital to assets | 11.6732% | 2,385 |
| Core capital (leverage) ratio | 9.6872% | 3,949 |
| Tier 1 risk-based capital ratio | 18.0950% | 1,906 |
| Total risk-based capital ratio | 19.3529% | 1,873 |
| Memoranda: | ||
| Average total assets | $45,216,000 | 5,555 |
| Average earning assets | $39,991,000 | 5,585 |
| Average equity | $5,212,670 | 5,543 |
| Average total loans | $23,516,330 | 5,519 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 4,916 |
| Cost of funding earning assets | 0.6395% | 1,106 |
| Net interest margin | 2.8479% | 5,398 |
| Noninterest income to average assets | 0.1772% | 5,433 |
| Noninterest expense to average assets | 1.7629% | 5,686 |
| Loan and lease loss provision to assets | 0.0974% | 2,070 |
| Net operating income to assets | 0.5227% | 4,537 |
| Return on assets (ROA) | 0.5227% | 4,643 |
| Pretax return on assets | 0.8416% | 4,058 |
| Return on Equity (ROE) | 4.5626% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.5626% | 3,202 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2459% | 3,936 |
| Assets per employee ($millions) | 4.0988% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 939 |
| Loan loss allowance to noncurrent loans | 980.0000% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 5,178 |
| Noncurrent loans to loans | 0.1956% | 4,716 |
| Net loans and leases to total assets | 50.0388% | 4,802 |
| Net loans and leases to deposits | 57.0977% | 4,912 |
| Net loans and leases to core deposits | 58.5802% | 5,016 |
| Total domestic deposits to total assets | 87.6372% | 1,842 |
| Equity capital to assets | 11.5998% | 2,350 |
| Core capital (leverage) ratio | 9.7286% | 3,872 |
| Tier 1 risk-based capital ratio | 19.2254% | 1,680 |
| Total risk-based capital ratio | 20.4820% | 1,641 |
| Memoranda: | ||
| Average total assets | $45,152,500 | 5,610 |
| Average earning assets | $40,029,500 | 5,634 |
| Average equity | $5,172,500 | 5,593 |
| Average total loans | $22,996,500 | 5,584 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 4,832 |
| Cost of funding earning assets | 0.6900% | 866 |
| Net interest margin | 2.8460% | 5,433 |
| Noninterest income to average assets | 0.1658% | 5,590 |
| Noninterest expense to average assets | 1.7973% | 5,741 |
| Loan and lease loss provision to assets | 0.0941% | 2,435 |
| Net operating income to assets | 0.5110% | 4,652 |
| Return on assets (ROA) | 0.5110% | 4,737 |
| Pretax return on assets | 0.7978% | 4,195 |
| Return on Equity (ROE) | 4.5328% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.5328% | 2,761 |
| Net charge-offs to loans | 0.0430% | 3,356 |
| Credit loss provision to net charge-offs | 420.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,187 |
| Efficiency ratio | 66.8333% | 3,773 |
| Assets per employee ($millions) | 4.1107% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,194.4444% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 5,310 |
| Noncurrent loans to loans | 0.1566% | 4,867 |
| Net loans and leases to total assets | 49.8938% | 4,879 |
| Net loans and leases to deposits | 56.6518% | 5,005 |
| Net loans and leases to core deposits | 58.1110% | 5,094 |
| Total domestic deposits to total assets | 88.0711% | 1,590 |
| Equity capital to assets | 11.3119% | 2,529 |
| Core capital (leverage) ratio | 9.3548% | 4,392 |
| Tier 1 risk-based capital ratio | 19.1272% | 1,679 |
| Total risk-based capital ratio | 20.3857% | 1,628 |
| Memoranda: | ||
| Average total assets | $44,621,800 | 5,666 |
| Average earning assets | $39,564,000 | 5,692 |
| Average equity | $5,030,000 | 5,647 |
| Average total loans | $23,235,800 | 5,616 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 4,867 |
| Cost of funding earning assets | 0.6990% | 842 |
| Net interest margin | 2.8502% | 5,495 |
| Noninterest income to average assets | 0.1979% | 5,461 |
| Noninterest expense to average assets | 1.8138% | 5,758 |
| Loan and lease loss provision to assets | 0.0929% | 2,309 |
| Net operating income to assets | 0.5067% | 4,761 |
| Return on assets (ROA) | 0.5067% | 4,853 |
| Pretax return on assets | 0.8095% | 4,311 |
| Return on Equity (ROE) | 4.4987% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.4987% | 3,266 |
| Net charge-offs to loans | 0.0172% | 3,609 |
| Credit loss provision to net charge-offs | 1,033.3333% | 350 |
| Earnings coverage of net charge-offs (x) | 100.3300% | 627 |
| Efficiency ratio | 66.7770% | 3,754 |
| Assets per employee ($millions) | 4.1554% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 1,246 |
| Loan loss allowance to noncurrent loans | 1,252.9412% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 5,261 |
| Noncurrent loans to loans | 0.1444% | 5,061 |
| Net loans and leases to total assets | 50.5940% | 4,884 |
| Net loans and leases to deposits | 57.4345% | 5,042 |
| Net loans and leases to core deposits | 58.8972% | 5,136 |
| Total domestic deposits to total assets | 88.0899% | 1,509 |
| Equity capital to assets | 11.1925% | 2,803 |
| Core capital (leverage) ratio | 9.4740% | 4,335 |
| Tier 1 risk-based capital ratio | 18.4027% | 1,925 |
| Total risk-based capital ratio | 19.6572% | 1,880 |
| Memoranda: | ||
| Average total assets | $44,472,750 | 5,744 |
| Average earning assets | $39,294,750 | 5,773 |
| Average equity | $5,008,750 | 5,723 |
| Average total loans | $23,297,000 | 5,680 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 4,882 |
| Cost of funding earning assets | 0.7091% | 805 |
| Net interest margin | 2.8311% | 5,553 |
| Noninterest income to average assets | 0.1997% | 5,485 |
| Noninterest expense to average assets | 1.8338% | 5,809 |
| Loan and lease loss provision to assets | 0.0953% | 2,220 |
| Net operating income to assets | 0.4812% | 4,845 |
| Return on assets (ROA) | 0.4812% | 4,950 |
| Pretax return on assets | 0.7717% | 4,418 |
| Return on Equity (ROE) | 4.2630% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.2630% | 3,311 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8992% | 3,684 |
| Assets per employee ($millions) | 4.0495% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,496.4286% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 5,415 |
| Noncurrent loans to loans | 0.1179% | 5,290 |
| Net loans and leases to total assets | 52.3875% | 4,720 |
| Net loans and leases to deposits | 59.4957% | 4,893 |
| Net loans and leases to core deposits | 61.0522% | 5,003 |
| Total domestic deposits to total assets | 88.0525% | 1,625 |
| Equity capital to assets | 11.2807% | 2,589 |
| Core capital (leverage) ratio | 9.3937% | 4,431 |
| Tier 1 risk-based capital ratio | 18.3933% | 1,950 |
| Total risk-based capital ratio | 19.6485% | 1,915 |
| Memoranda: | ||
| Average total assets | $44,060,670 | 5,818 |
| Average earning assets | $38,924,330 | 5,841 |
| Average equity | $4,973,000 | 5,785 |
| Average total loans | $23,212,000 | 5,736 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 4,835 |
| Cost of funding earning assets | 0.7181% | 781 |
| Net interest margin | 2.8306% | 5,586 |
| Noninterest income to average assets | 0.2008% | 5,512 |
| Noninterest expense to average assets | 1.8896% | 5,777 |
| Loan and lease loss provision to assets | 0.0913% | 2,170 |
| Net operating income to assets | 0.4382% | 4,917 |
| Return on assets (ROA) | 0.4382% | 5,037 |
| Pretax return on assets | 0.7029% | 4,579 |
| Return on Equity (ROE) | 3.8811% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.8811% | 3,674 |
| Net charge-offs to loans | -0.0174% | 4,981 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4082% | 3,408 |
| Assets per employee ($millions) | 4.0437% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 1,554 |
| Loan loss allowance to noncurrent loans | 1,636.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,531 |
| Noncurrent loans to loans | 0.1085% | 5,372 |
| Net loans and leases to total assets | 50.8981% | 4,759 |
| Net loans and leases to deposits | 57.8348% | 4,932 |
| Net loans and leases to core deposits | 59.3509% | 5,048 |
| Total domestic deposits to total assets | 88.0061% | 1,816 |
| Equity capital to assets | 11.2295% | 2,722 |
| Core capital (leverage) ratio | 9.4483% | 4,356 |
| Tier 1 risk-based capital ratio | 18.5228% | 2,000 |
| Total risk-based capital ratio | 19.7775% | 1,948 |
| Memoranda: | ||
| Average total assets | $43,818,500 | 5,875 |
| Average earning assets | $38,436,500 | 5,909 |
| Average equity | $4,947,000 | 5,847 |
| Average total loans | $22,940,500 | 5,788 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 4,824 |
| Cost of funding earning assets | 0.8002% | 654 |
| Net interest margin | 2.8866% | 5,671 |
| Noninterest income to average assets | 0.2331% | 5,465 |
| Noninterest expense to average assets | 1.8174% | 6,048 |
| Loan and lease loss provision to assets | 0.0989% | 2,507 |
| Net operating income to assets | 0.5537% | 4,586 |
| Return on assets (ROA) | 0.5721% | 4,582 |
| Pretax return on assets | 0.8757% | 3,978 |
| Return on Equity (ROE) | 5.0779% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.0779% | 2,544 |
| Net charge-offs to loans | 0.0089% | 4,732 |
| Credit loss provision to net charge-offs | 2,100.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 266 |
| Efficiency ratio | 65.7581% | 4,292 |
| Assets per employee ($millions) | 3.9233% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 1,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,817 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.9835% | 4,784 |
| Net loans and leases to deposits | 59.1505% | 4,968 |
| Net loans and leases to core deposits | 60.7523% | 5,079 |
| Total domestic deposits to total assets | 87.8835% | 1,832 |
| Equity capital to assets | 11.3518% | 2,560 |
| Core capital (leverage) ratio | 9.5854% | 4,126 |
| Tier 1 risk-based capital ratio | 18.2096% | 2,079 |
| Total risk-based capital ratio | 19.4670% | 2,036 |
| Memoranda: | ||
| Average total assets | $42,478,400 | 5,970 |
| Average earning assets | $37,240,400 | 6,009 |
| Average equity | $4,785,400 | 5,910 |
| Average total loans | $22,505,200 | 5,875 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 5,010 |
| Cost of funding earning assets | 0.8098% | 650 |
| Net interest margin | 2.8378% | 5,808 |
| Noninterest income to average assets | 0.2426% | 5,466 |
| Noninterest expense to average assets | 1.8057% | 6,079 |
| Loan and lease loss provision to assets | 0.0977% | 2,410 |
| Net operating income to assets | 0.5367% | 4,728 |
| Return on assets (ROA) | 0.5609% | 4,702 |
| Pretax return on assets | 0.8729% | 4,102 |
| Return on Equity (ROE) | 4.9891% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.9891% | 3,085 |
| Net charge-offs to loans | 0.0059% | 4,487 |
| Credit loss provision to net charge-offs | 3,100.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 296.7368% | 235 |
| Efficiency ratio | 65.9379% | 4,219 |
| Assets per employee ($millions) | 3.8095% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,214 |
| Loan loss allowance to noncurrent loans | 2,155.5556% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,781 |
| Noncurrent loans to loans | 0.0754% | 5,726 |
| Net loans and leases to total assets | 56.0567% | 4,328 |
| Net loans and leases to deposits | 65.2953% | 4,404 |
| Net loans and leases to core deposits | 67.1623% | 4,590 |
| Total domestic deposits to total assets | 85.8510% | 2,932 |
| Equity capital to assets | 11.5454% | 2,433 |
| Core capital (leverage) ratio | 9.4792% | 4,408 |
| Tier 1 risk-based capital ratio | 17.1455% | 2,550 |
| Total risk-based capital ratio | 18.4010% | 2,505 |
| Memoranda: | ||
| Average total assets | $42,309,000 | 6,044 |
| Average earning assets | $37,210,500 | 6,082 |
| Average equity | $4,757,000 | 5,981 |
| Average total loans | $22,423,500 | 5,937 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 5,207 |
| Cost of funding earning assets | 0.8167% | 653 |
| Net interest margin | 2.7618% | 5,971 |
| Noninterest income to average assets | 0.2309% | 5,547 |
| Noninterest expense to average assets | 1.7670% | 6,188 |
| Loan and lease loss provision to assets | 0.0990% | 2,372 |
| Net operating income to assets | 0.5057% | 4,785 |
| Return on assets (ROA) | 0.5419% | 4,735 |
| Pretax return on assets | 0.8435% | 4,109 |
| Return on Equity (ROE) | 4.8626% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.8626% | 3,043 |
| Net charge-offs to loans | 0.0091% | 4,092 |
| Credit loss provision to net charge-offs | 2,100.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 339 |
| Efficiency ratio | 66.6075% | 4,261 |
| Assets per employee ($millions) | 3.5632% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 2,208 |
| Loan loss allowance to noncurrent loans | 250.3311% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 4,799 |
| Noncurrent loans to loans | 0.6693% | 4,037 |
| Net loans and leases to total assets | 51.8827% | 4,755 |
| Net loans and leases to deposits | 58.9451% | 4,956 |
| Net loans and leases to core deposits | 60.5541% | 5,100 |
| Total domestic deposits to total assets | 88.0186% | 1,885 |
| Equity capital to assets | 11.2283% | 2,671 |
| Core capital (leverage) ratio | 9.2597% | 4,654 |
| Tier 1 risk-based capital ratio | 17.3708% | 2,471 |
| Total risk-based capital ratio | 18.6279% | 2,430 |
| Memoranda: | ||
| Average total assets | $42,444,000 | 6,095 |
| Average earning assets | $37,221,670 | 6,137 |
| Average equity | $4,730,000 | 6,027 |
| Average total loans | $21,938,670 | 5,995 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5401% | 5,329 |
| Cost of funding earning assets | 0.8393% | 616 |
| Net interest margin | 2.7008% | 6,112 |
| Noninterest income to average assets | 0.2365% | 5,468 |
| Noninterest expense to average assets | 1.7027% | 6,347 |
| Loan and lease loss provision to assets | 0.0946% | 2,342 |
| Net operating income to assets | 0.5297% | 4,557 |
| Return on assets (ROA) | 0.5297% | 4,623 |
| Pretax return on assets | 0.8135% | 4,060 |
| Return on Equity (ROE) | 4.7715% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.7715% | 3,252 |
| Net charge-offs to loans | 0.0185% | 3,216 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 470 |
| Efficiency ratio | 65.2174% | 4,656 |
| Assets per employee ($millions) | 3.5261% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 2,398 |
| Loan loss allowance to noncurrent loans | 36,700.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 6,114 |
| Noncurrent loans to loans | 0.0046% | 6,178 |
| Net loans and leases to total assets | 50.5566% | 4,845 |
| Net loans and leases to deposits | 57.4097% | 4,997 |
| Net loans and leases to core deposits | 59.4107% | 5,094 |
| Total domestic deposits to total assets | 88.0628% | 2,203 |
| Equity capital to assets | 11.1951% | 2,529 |
| Core capital (leverage) ratio | 9.3161% | 4,553 |
| Tier 1 risk-based capital ratio | 17.8262% | 2,365 |
| Total risk-based capital ratio | 19.0801% | 2,339 |
| Memoranda: | ||
| Average total assets | $42,287,000 | 6,162 |
| Average earning assets | $37,174,000 | 6,198 |
| Average equity | $4,694,500 | 6,074 |
| Average total loans | $21,627,000 | 6,064 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 5,464 |
| Cost of funding earning assets | 0.9091% | 701 |
| Net interest margin | 2.6683% | 6,178 |
| Noninterest income to average assets | 0.2765% | 5,376 |
| Noninterest expense to average assets | 1.7876% | 6,342 |
| Loan and lease loss provision to assets | 0.0922% | 3,269 |
| Net operating income to assets | 0.5288% | 4,602 |
| Return on assets (ROA) | 0.5288% | 4,725 |
| Pretax return on assets | 0.8028% | 4,130 |
| Return on Equity (ROE) | 4.6835% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.4160% | 3,804 |
| Net charge-offs to loans | 0.0049% | 5,375 |
| Credit loss provision to net charge-offs | 3,800.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 369.0000% | 117 |
| Efficiency ratio | 66.6365% | 4,446 |
| Assets per employee ($millions) | 3.8419% | 4,180 |
| Cash dividends to net income (ytd only)* | 27.0642% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 2,515 |
| Loan loss allowance to noncurrent loans | 873.1707% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 6,050 |
| Noncurrent loans to loans | 0.1907% | 5,621 |
| Net loans and leases to total assets | 50.0154% | 5,079 |
| Net loans and leases to deposits | 56.6114% | 5,246 |
| Net loans and leases to core deposits | 58.5805% | 5,341 |
| Total domestic deposits to total assets | 88.3486% | 1,981 |
| Equity capital to assets | 11.0078% | 2,606 |
| Core capital (leverage) ratio | 9.2120% | 4,703 |
| Tier 1 risk-based capital ratio | 17.7123% | 2,337 |
| Total risk-based capital ratio | 18.9670% | 2,314 |
| Memoranda: | ||
| Average total assets | $41,228,400 | 6,252 |
| Average earning assets | $37,177,800 | 6,249 |
| Average equity | $4,654,600 | 6,151 |
| Average total loans | $20,433,600 | 6,179 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 5,499 |
| Cost of funding earning assets | 0.9183% | 748 |
| Net interest margin | 2.6616% | 6,235 |
| Noninterest income to average assets | 0.2961% | 5,327 |
| Noninterest expense to average assets | 1.7834% | 6,363 |
| Loan and lease loss provision to assets | 0.0879% | 3,305 |
| Net operating income to assets | 0.5272% | 4,678 |
| Return on assets (ROA) | 0.5272% | 4,837 |
| Pretax return on assets | 0.8396% | 4,143 |
| Return on Equity (ROE) | 4.6397% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.9500% | 4,560 |
| Net charge-offs to loans | 0.0066% | 5,038 |
| Credit loss provision to net charge-offs | 2,700.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 285.7068% | 210 |
| Efficiency ratio | 65.7863% | 4,524 |
| Assets per employee ($millions) | 3.6800% | 4,488 |
| Cash dividends to net income (ytd only)* | 36.4184% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 2,800 |
| Loan loss allowance to noncurrent loans | 1,445.8333% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 6,272 |
| Noncurrent loans to loans | 0.1141% | 5,989 |
| Net loans and leases to total assets | 51.1141% | 4,993 |
| Net loans and leases to deposits | 58.2156% | 5,165 |
| Net loans and leases to core deposits | 60.3447% | 5,270 |
| Total domestic deposits to total assets | 87.8014% | 2,247 |
| Equity capital to assets | 11.4254% | 2,356 |
| Core capital (leverage) ratio | 9.3266% | 4,657 |
| Tier 1 risk-based capital ratio | 17.6608% | 2,453 |
| Total risk-based capital ratio | 18.9169% | 2,420 |
| Memoranda: | ||
| Average total assets | $40,970,250 | 6,334 |
| Average earning assets | $37,169,250 | 6,322 |
| Average equity | $4,655,250 | 6,232 |
| Average total loans | $20,168,250 | 6,259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5392% | 5,608 |
| Cost of funding earning assets | 0.9249% | 795 |
| Net interest margin | 2.6143% | 6,321 |
| Noninterest income to average assets | 0.3160% | 5,172 |
| Noninterest expense to average assets | 1.7893% | 6,393 |
| Loan and lease loss provision to assets | 0.0875% | 3,334 |
| Net operating income to assets | 0.5105% | 4,765 |
| Return on assets (ROA) | 0.5105% | 4,922 |
| Pretax return on assets | 0.8168% | 4,248 |
| Return on Equity (ROE) | 4.5013% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.9720% | 5,017 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4260% | 4,470 |
| Assets per employee ($millions) | 4.1437% | 3,482 |
| Cash dividends to net income (ytd only)* | 56.1905% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,971 |
| Loan loss allowance to noncurrent loans | 8,475.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,529 |
| Noncurrent loans to loans | 0.0195% | 6,359 |
| Net loans and leases to total assets | 48.6908% | 5,263 |
| Net loans and leases to deposits | 55.1392% | 5,427 |
| Net loans and leases to core deposits | 57.0943% | 5,516 |
| Total domestic deposits to total assets | 88.3051% | 2,040 |
| Equity capital to assets | 10.9878% | 2,766 |
| Core capital (leverage) ratio | 8.9044% | 5,137 |
| Tier 1 risk-based capital ratio | 17.5970% | 2,480 |
| Total risk-based capital ratio | 18.8536% | 2,442 |
| Memoranda: | ||
| Average total assets | $41,133,670 | 6,371 |
| Average earning assets | $37,409,330 | 6,362 |
| Average equity | $4,665,330 | 6,277 |
| Average total loans | $19,878,330 | 6,311 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 5,581 |
| Cost of funding earning assets | 0.9278% | 856 |
| Net interest margin | 2.6215% | 6,341 |
| Noninterest income to average assets | 0.2928% | 5,368 |
| Noninterest expense to average assets | 1.8447% | 6,374 |
| Loan and lease loss provision to assets | 0.0878% | 3,200 |
| Net operating income to assets | 0.4587% | 4,873 |
| Return on assets (ROA) | 0.4587% | 5,039 |
| Pretax return on assets | 0.7320% | 4,437 |
| Return on Equity (ROE) | 3.9818% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.9818% | 3,844 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,105 |
| Assets per employee ($millions) | 3.7718% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 3,014 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,585 |
| Noncurrent loans to loans | 0.0257% | 6,419 |
| Net loans and leases to total assets | 46.0376% | 5,436 |
| Net loans and leases to deposits | 52.5460% | 5,568 |
| Net loans and leases to core deposits | 55.0049% | 5,601 |
| Total domestic deposits to total assets | 87.6139% | 2,560 |
| Equity capital to assets | 11.4100% | 2,508 |
| Core capital (leverage) ratio | 9.1840% | 4,591 |
| Tier 1 risk-based capital ratio | 18.5117% | 2,189 |
| Total risk-based capital ratio | 19.7672% | 2,156 |
| Memoranda: | ||
| Average total assets | $40,982,000 | 6,437 |
| Average earning assets | $37,078,500 | 6,429 |
| Average equity | $4,721,500 | 6,326 |
| Average total loans | $19,560,000 | 6,384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 5,211 |
| Cost of funding earning assets | 1.0585% | 1,079 |
| Net interest margin | 2.9760% | 6,092 |
| Noninterest income to average assets | 0.2741% | 5,503 |
| Noninterest expense to average assets | 1.8198% | 6,601 |
| Loan and lease loss provision to assets | 0.0914% | 4,536 |
| Net operating income to assets | 0.6371% | 4,049 |
| Return on assets (ROA) | 0.6371% | 4,316 |
| Pretax return on assets | 0.9746% | 3,639 |
| Return on Equity (ROE) | 5.4447% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.1866% | 3,280 |
| Net charge-offs to loans | 0.2069% | 3,724 |
| Credit loss provision to net charge-offs | 87.8049% | 3,557 |
| Earnings coverage of net charge-offs (x) | 10.2439% | 2,157 |
| Efficiency ratio | 63.0607% | 5,065 |
| Assets per employee ($millions) | 3.6795% | 4,606 |
| Cash dividends to net income (ytd only)* | 23.1076% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,184 |
| Loan loss allowance to noncurrent loans | 1,783.3333% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 5,800 |
| Noncurrent loans to loans | 0.0914% | 6,258 |
| Net loans and leases to total assets | 47.8529% | 5,429 |
| Net loans and leases to deposits | 54.7335% | 5,578 |
| Net loans and leases to core deposits | 55.1261% | 5,783 |
| Total domestic deposits to total assets | 87.4290% | 2,562 |
| Equity capital to assets | 11.6346% | 2,319 |
| Core capital (leverage) ratio | 9.1719% | 4,625 |
| Tier 1 risk-based capital ratio | 18.5414% | 2,092 |
| Total risk-based capital ratio | 19.7947% | 2,058 |
| Memoranda: | ||
| Average total assets | $39,399,400 | 6,519 |
| Average earning assets | $34,576,600 | 6,542 |
| Average equity | $4,610,000 | 6,411 |
| Average total loans | $19,817,600 | 6,435 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 5,104 |
| Cost of funding earning assets | 1.0734% | 1,179 |
| Net interest margin | 3.0491% | 6,066 |
| Noninterest income to average assets | 0.2760% | 5,571 |
| Noninterest expense to average assets | 1.8229% | 6,652 |
| Loan and lease loss provision to assets | 0.0920% | 4,447 |
| Net operating income to assets | 0.6440% | 4,178 |
| Return on assets (ROA) | 0.6440% | 4,432 |
| Pretax return on assets | 1.0324% | 3,596 |
| Return on Equity (ROE) | 5.4957% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.8092% | 4,208 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8497% | 5,175 |
| Assets per employee ($millions) | 3.5527% | 4,844 |
| Cash dividends to net income (ytd only)* | 30.6877% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 3,013 |
| Loan loss allowance to noncurrent loans | 232.2368% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 5,718 |
| Noncurrent loans to loans | 0.7477% | 4,926 |
| Net loans and leases to total assets | 51.1182% | 5,173 |
| Net loans and leases to deposits | 58.7853% | 5,341 |
| Net loans and leases to core deposits | 59.2227% | 5,632 |
| Total domestic deposits to total assets | 86.9575% | 2,694 |
| Equity capital to assets | 11.9703% | 2,283 |
| Core capital (leverage) ratio | 9.1469% | 4,835 |
| Tier 1 risk-based capital ratio | 17.7475% | 2,447 |
| Total risk-based capital ratio | 19.0034% | 2,414 |
| Memoranda: | ||
| Average total assets | $39,130,750 | 6,614 |
| Average earning assets | $34,283,000 | 6,630 |
| Average equity | $4,585,250 | 6,495 |
| Average total loans | $19,849,750 | 6,520 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 5,221 |
| Cost of funding earning assets | 1.0868% | 1,277 |
| Net interest margin | 3.0384% | 6,150 |
| Noninterest income to average assets | 0.2759% | 5,602 |
| Noninterest expense to average assets | 1.8341% | 6,714 |
| Loan and lease loss provision to assets | 0.0920% | 4,416 |
| Net operating income to assets | 0.6284% | 4,238 |
| Return on assets (ROA) | 0.6284% | 4,482 |
| Pretax return on assets | 1.0064% | 3,679 |
| Return on Equity (ROE) | 5.4015% | 4,628 |
| Retained earnings to average equity (ytd only) | 2.8544% | 4,725 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5436% | 5,161 |
| Assets per employee ($millions) | 3.9967% | 3,890 |
| Cash dividends to net income (ytd only)* | 47.1545% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 3,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.8403% | 5,513 |
| Net loans and leases to deposits | 55.8273% | 5,670 |
| Net loans and leases to core deposits | 56.2374% | 5,923 |
| Total domestic deposits to total assets | 87.4847% | 2,480 |
| Equity capital to assets | 11.5270% | 2,564 |
| Core capital (leverage) ratio | 9.0047% | 4,910 |
| Tier 1 risk-based capital ratio | 17.7972% | 2,365 |
| Total risk-based capital ratio | 19.0552% | 2,328 |
| Memoranda: | ||
| Average total assets | $39,147,670 | 6,660 |
| Average earning assets | $34,229,000 | 6,681 |
| Average equity | $4,554,330 | 6,528 |
| Average total loans | $19,689,670 | 6,575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 4,742 |
| Cost of funding earning assets | 1.1405% | 1,216 |
| Net interest margin | 3.1573% | 5,888 |
| Noninterest income to average assets | 0.2685% | 5,730 |
| Noninterest expense to average assets | 1.9103% | 6,629 |
| Loan and lease loss provision to assets | 0.0929% | 4,187 |
| Net operating income to assets | 0.6195% | 4,258 |
| Return on assets (ROA) | 0.6195% | 4,469 |
| Pretax return on assets | 0.9809% | 3,744 |
| Return on Equity (ROE) | 5.3004% | 4,645 |
| Retained earnings to average equity (ytd only) | 0.1767% | 5,922 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0138% | 4,920 |
| Assets per employee ($millions) | 3.5127% | 5,095 |
| Cash dividends to net income (ytd only)* | 96.6667% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 3,196 |
| Loan loss allowance to noncurrent loans | 33,500.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,947 |
| Noncurrent loans to loans | 0.0052% | 6,791 |
| Net loans and leases to total assets | 48.9881% | 5,433 |
| Net loans and leases to deposits | 56.1675% | 5,581 |
| Net loans and leases to core deposits | 56.5957% | 5,852 |
| Total domestic deposits to total assets | 87.2179% | 2,818 |
| Equity capital to assets | 11.7210% | 2,246 |
| Core capital (leverage) ratio | 9.1488% | 4,607 |
| Tier 1 risk-based capital ratio | 17.9782% | 2,299 |
| Total risk-based capital ratio | 19.2352% | 2,275 |
| Memoranda: | ||
| Average total assets | $38,738,000 | 6,720 |
| Average earning assets | $33,319,500 | 6,760 |
| Average equity | $4,528,000 | 6,572 |
| Average total loans | $19,602,500 | 6,630 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 5,328 |
| Cost of funding earning assets | 1.3525% | 1,228 |
| Net interest margin | 3.0724% | 6,400 |
| Noninterest income to average assets | 0.2748% | 5,564 |
| Noninterest expense to average assets | 1.9261% | 6,795 |
| Loan and lease loss provision to assets | 0.0778% | 5,639 |
| Net operating income to assets | 0.6196% | 3,890 |
| Return on assets (ROA) | 0.6196% | 4,088 |
| Pretax return on assets | 0.9799% | 3,318 |
| Return on Equity (ROE) | 5.5414% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.5414% | 2,275 |
| Net charge-offs to loans | 0.0260% | 6,074 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 81.6000% | 361 |
| Efficiency ratio | 64.5526% | 5,030 |
| Assets per employee ($millions) | 3.5305% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 3,443 |
| Loan loss allowance to noncurrent loans | 32,600.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,007 |
| Noncurrent loans to loans | 0.0050% | 6,858 |
| Net loans and leases to total assets | 50.5073% | 5,526 |
| Net loans and leases to deposits | 57.8494% | 5,705 |
| Net loans and leases to core deposits | 59.1704% | 5,917 |
| Total domestic deposits to total assets | 87.3082% | 2,579 |
| Equity capital to assets | 11.6567% | 2,379 |
| Core capital (leverage) ratio | 9.0160% | 4,757 |
| Tier 1 risk-based capital ratio | 17.3873% | 2,426 |
| Total risk-based capital ratio | 18.6446% | 2,391 |
| Memoranda: | ||
| Average total assets | $38,575,200 | 6,720 |
| Average earning assets | $34,012,200 | 6,753 |
| Average equity | $4,313,000 | 6,652 |
| Average total loans | $19,253,600 | 6,695 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 5,796 |
| Cost of funding earning assets | 1.3858% | 1,292 |
| Net interest margin | 2.9585% | 6,653 |
| Noninterest income to average assets | 0.2701% | 5,684 |
| Noninterest expense to average assets | 1.9285% | 6,819 |
| Loan and lease loss provision to assets | 0.0796% | 5,448 |
| Net operating income to assets | 0.5643% | 4,251 |
| Return on assets (ROA) | 0.5643% | 4,419 |
| Pretax return on assets | 0.8932% | 3,793 |
| Return on Equity (ROE) | 5.1022% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.1022% | 3,107 |
| Net charge-offs to loans | 0.2725% | 3,735 |
| Credit loss provision to net charge-offs | 58.9744% | 4,833 |
| Earnings coverage of net charge-offs (x) | 7.2050% | 2,400 |
| Efficiency ratio | 66.4678% | 4,627 |
| Assets per employee ($millions) | 3.2165% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,522 |
| Loan loss allowance to noncurrent loans | 178.1250% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 6,044 |
| Noncurrent loans to loans | 0.7903% | 5,297 |
| Net loans and leases to total assets | 51.7125% | 5,483 |
| Net loans and leases to deposits | 59.2197% | 5,728 |
| Net loans and leases to core deposits | 60.5803% | 5,935 |
| Total domestic deposits to total assets | 87.3232% | 2,459 |
| Equity capital to assets | 11.6224% | 2,565 |
| Core capital (leverage) ratio | 8.8503% | 5,180 |
| Tier 1 risk-based capital ratio | 16.5440% | 2,842 |
| Total risk-based capital ratio | 17.7971% | 2,802 |
| Memoranda: | ||
| Average total assets | $38,510,000 | 6,777 |
| Average earning assets | $34,251,250 | 6,800 |
| Average equity | $4,259,500 | 6,722 |
| Average total loans | $19,081,750 | 6,773 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 6,035 |
| Cost of funding earning assets | 1.4281% | 1,288 |
| Net interest margin | 2.8679% | 6,842 |
| Noninterest income to average assets | 0.2547% | 5,827 |
| Noninterest expense to average assets | 2.0166% | 6,754 |
| Loan and lease loss provision to assets | 0.0780% | 5,337 |
| Net operating income to assets | 0.4574% | 4,684 |
| Return on assets (ROA) | 0.4574% | 4,816 |
| Pretax return on assets | 0.7276% | 4,284 |
| Return on Equity (ROE) | 4.2065% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.2065% | 3,521 |
| Net charge-offs to loans | 0.3852% | 3,019 |
| Credit loss provision to net charge-offs | 41.6667% | 4,783 |
| Earnings coverage of net charge-offs (x) | 4.3056% | 2,899 |
| Efficiency ratio | 71.4549% | 3,836 |
| Assets per employee ($millions) | 3.4927% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 4,206 |
| Loan loss allowance to noncurrent loans | 163.7427% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 6,034 |
| Noncurrent loans to loans | 0.9059% | 5,151 |
| Net loans and leases to total assets | 48.4045% | 6,012 |
| Net loans and leases to deposits | 55.1333% | 6,213 |
| Net loans and leases to core deposits | 56.3973% | 6,387 |
| Total domestic deposits to total assets | 87.7954% | 2,285 |
| Equity capital to assets | 11.2936% | 2,687 |
| Core capital (leverage) ratio | 8.7478% | 5,143 |
| Tier 1 risk-based capital ratio | 16.5817% | 2,702 |
| Total risk-based capital ratio | 17.8360% | 2,656 |
| Memoranda: | ||
| Average total assets | $38,480,670 | 6,844 |
| Average earning assets | $34,450,330 | 6,853 |
| Average equity | $4,184,000 | 6,795 |
| Average total loans | $18,694,000 | 6,852 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 6,112 |
| Cost of funding earning assets | 1.4868% | 1,224 |
| Net interest margin | 2.7777% | 6,939 |
| Noninterest income to average assets | 0.2597% | 5,813 |
| Noninterest expense to average assets | 2.1293% | 6,568 |
| Loan and lease loss provision to assets | 0.0831% | 4,958 |
| Net operating income to assets | 0.3428% | 5,208 |
| Return on assets (ROA) | 0.3428% | 5,287 |
| Pretax return on assets | 0.5505% | 4,859 |
| Return on Equity (ROE) | 3.2144% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.2144% | 4,245 |
| Net charge-offs to loans | 0.7741% | 1,666 |
| Credit loss provision to net charge-offs | 22.2222% | 4,233 |
| Earnings coverage of net charge-offs (x) | 1.6944% | 3,465 |
| Efficiency ratio | 77.0677% | 2,974 |
| Assets per employee ($millions) | 3.4889% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 4,488 |
| Loan loss allowance to noncurrent loans | 156.8966% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 6,081 |
| Noncurrent loans to loans | 0.9168% | 5,204 |
| Net loans and leases to total assets | 48.7441% | 5,984 |
| Net loans and leases to deposits | 55.0692% | 6,210 |
| Net loans and leases to core deposits | 55.4857% | 6,452 |
| Total domestic deposits to total assets | 88.5143% | 2,070 |
| Equity capital to assets | 10.7353% | 2,947 |
| Core capital (leverage) ratio | 8.5252% | 5,404 |
| Tier 1 risk-based capital ratio | 16.1194% | 2,853 |
| Total risk-based capital ratio | 17.3703% | 2,821 |
| Memoranda: | ||
| Average total assets | $38,511,000 | 6,887 |
| Average earning assets | $34,704,500 | 6,893 |
| Average equity | $4,106,500 | 6,845 |
| Average total loans | $18,602,500 | 6,903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 5,796 |
| Cost of funding earning assets | 1.7263% | 1,477 |
| Net interest margin | 2.9750% | 6,783 |
| Noninterest income to average assets | 0.2524% | 5,994 |
| Noninterest expense to average assets | 2.0614% | 6,925 |
| Loan and lease loss provision to assets | 0.0789% | 6,371 |
| Net operating income to assets | 0.5784% | 3,765 |
| Return on assets (ROA) | 0.5784% | 3,923 |
| Pretax return on assets | 0.8309% | 3,528 |
| Return on Equity (ROE) | 5.3682% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.3682% | 2,200 |
| Net charge-offs to loans | -0.0052% | 7,267 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3805% | 4,301 |
| Assets per employee ($millions) | 3.2203% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 3,394 |
| Loan loss allowance to noncurrent loans | 146.8293% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 5,972 |
| Noncurrent loans to loans | 1.1248% | 4,859 |
| Net loans and leases to total assets | 46.3824% | 6,527 |
| Net loans and leases to deposits | 52.3267% | 6,723 |
| Net loans and leases to core deposits | 53.5141% | 6,836 |
| Total domestic deposits to total assets | 88.6399% | 1,867 |
| Equity capital to assets | 10.5916% | 3,074 |
| Core capital (leverage) ratio | 8.2407% | 5,766 |
| Tier 1 risk-based capital ratio | 16.5153% | 2,515 |
| Total risk-based capital ratio | 17.7680% | 2,487 |
| Memoranda: | ||
| Average total assets | $38,033,200 | 6,935 |
| Average earning assets | $34,756,800 | 6,924 |
| Average equity | $4,098,200 | 6,962 |
| Average total loans | $19,248,000 | 6,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 5,683 |
| Cost of funding earning assets | 1.7350% | 1,699 |
| Net interest margin | 3.0593% | 6,710 |
| Noninterest income to average assets | 0.2605% | 6,035 |
| Noninterest expense to average assets | 2.0802% | 6,889 |
| Loan and lease loss provision to assets | 0.0774% | 6,272 |
| Net operating income to assets | 0.5807% | 3,956 |
| Return on assets (ROA) | 0.5807% | 4,114 |
| Pretax return on assets | 0.9081% | 3,529 |
| Return on Equity (ROE) | 5.3663% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.3663% | 2,727 |
| Net charge-offs to loans | -0.0068% | 7,233 |
| Credit loss provision to net charge-offs | -2,200.0000% | 7,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8530% | 4,490 |
| Assets per employee ($millions) | 3.3591% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,077 |
| Loan loss allowance to noncurrent loans | 143.6275% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 6,048 |
| Noncurrent loans to loans | 1.0267% | 5,187 |
| Net loans and leases to total assets | 52.9797% | 5,984 |
| Net loans and leases to deposits | 60.5543% | 6,269 |
| Net loans and leases to core deposits | 61.5191% | 6,498 |
| Total domestic deposits to total assets | 87.4912% | 2,266 |
| Equity capital to assets | 11.3775% | 2,622 |
| Core capital (leverage) ratio | 8.5141% | 5,481 |
| Tier 1 risk-based capital ratio | 15.5746% | 2,956 |
| Total risk-based capital ratio | 16.8270% | 2,918 |
| Memoranda: | ||
| Average total assets | $37,880,500 | 7,022 |
| Average earning assets | $34,734,250 | 7,006 |
| Average equity | $4,099,500 | 7,050 |
| Average total loans | $19,503,750 | 7,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 5,756 |
| Cost of funding earning assets | 1.7623% | 1,803 |
| Net interest margin | 3.0497% | 6,724 |
| Noninterest income to average assets | 0.2566% | 6,079 |
| Noninterest expense to average assets | 2.1000% | 6,908 |
| Loan and lease loss provision to assets | 0.0786% | 6,154 |
| Net operating income to assets | 0.5551% | 4,060 |
| Return on assets (ROA) | 0.5551% | 4,203 |
| Pretax return on assets | 0.8693% | 3,629 |
| Return on Equity (ROE) | 5.2157% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.2157% | 2,766 |
| Net charge-offs to loans | -0.0103% | 7,195 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9003% | 4,401 |
| Assets per employee ($millions) | 3.3910% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 4,137 |
| Loan loss allowance to noncurrent loans | 7,150.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 7,386 |
| Noncurrent loans to loans | 0.0204% | 7,276 |
| Net loans and leases to total assets | 51.8190% | 6,232 |
| Net loans and leases to deposits | 58.9550% | 6,502 |
| Net loans and leases to core deposits | 59.8718% | 6,723 |
| Total domestic deposits to total assets | 87.8958% | 2,055 |
| Equity capital to assets | 11.0828% | 2,783 |
| Core capital (leverage) ratio | 8.0185% | 6,252 |
| Tier 1 risk-based capital ratio | 15.1802% | 3,069 |
| Total risk-based capital ratio | 16.4344% | 3,021 |
| Memoranda: | ||
| Average total assets | $38,190,670 | 7,065 |
| Average earning assets | $34,954,330 | 7,044 |
| Average equity | $4,064,670 | 7,102 |
| Average total loans | $19,382,000 | 7,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 6,218 |
| Cost of funding earning assets | 1.7677% | 2,025 |
| Net interest margin | 2.9387% | 6,955 |
| Noninterest income to average assets | 0.2381% | 6,248 |
| Noninterest expense to average assets | 2.0603% | 7,037 |
| Loan and lease loss provision to assets | 0.0725% | 5,911 |
| Net operating income to assets | 0.5177% | 4,303 |
| Return on assets (ROA) | 0.5177% | 4,445 |
| Pretax return on assets | 0.8075% | 3,834 |
| Return on Equity (ROE) | 4.9628% | 4,387 |
| Retained earnings to average equity (ytd only) | 4.9628% | 3,178 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0704% | 4,291 |
| Assets per employee ($millions) | 3.2990% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 4,278 |
| Loan loss allowance to noncurrent loans | 5,540.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 7,464 |
| Noncurrent loans to loans | 0.0258% | 7,351 |
| Net loans and leases to total assets | 48.3000% | 6,644 |
| Net loans and leases to deposits | 54.3643% | 6,894 |
| Net loans and leases to core deposits | 54.3643% | 7,085 |
| Total domestic deposits to total assets | 88.8451% | 1,598 |
| Equity capital to assets | 10.2152% | 3,589 |
| Core capital (leverage) ratio | 8.0322% | 6,190 |
| Tier 1 risk-based capital ratio | 14.8615% | 3,176 |
| Total risk-based capital ratio | 16.1124% | 3,138 |
| Memoranda: | ||
| Average total assets | $38,635,500 | 7,134 |
| Average earning assets | $35,525,500 | 7,104 |
| Average equity | $4,030,000 | 7,173 |
| Average total loans | $19,265,500 | 7,199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 5,371 |
| Cost of funding earning assets | 2.2290% | 1,905 |
| Net interest margin | 3.0301% | 6,564 |
| Noninterest income to average assets | 0.2836% | 6,076 |
| Noninterest expense to average assets | 2.1817% | 7,033 |
| Loan and lease loss provision to assets | 0.0818% | 6,791 |
| Net operating income to assets | 0.5372% | 3,583 |
| Return on assets (ROA) | 0.5372% | 3,670 |
| Pretax return on assets | 0.8154% | 3,193 |
| Return on Equity (ROE) | 4.9552% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.9552% | 1,841 |
| Net charge-offs to loans | 0.0524% | 6,574 |
| Credit loss provision to net charge-offs | 300.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 32.9000% | 706 |
| Efficiency ratio | 70.8592% | 4,463 |
| Assets per employee ($millions) | 3.1403% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 4,170 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 7,486 |
| Noncurrent loans to loans | 0.0314% | 7,352 |
| Net loans and leases to total assets | 50.0571% | 6,632 |
| Net loans and leases to deposits | 56.6422% | 6,883 |
| Net loans and leases to core deposits | 67.3510% | 6,912 |
| Total domestic deposits to total assets | 88.3741% | 1,783 |
| Equity capital to assets | 10.6573% | 3,013 |
| Core capital (leverage) ratio | 8.0052% | 6,180 |
| Tier 1 risk-based capital ratio | 14.8200% | 3,039 |
| Total risk-based capital ratio | 16.0735% | 2,988 |
| Memoranda: | ||
| Average total assets | $36,668,600 | 7,223 |
| Average earning assets | $33,827,400 | 7,195 |
| Average equity | $3,975,600 | 7,307 |
| Average total loans | $19,083,200 | 7,253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 5,249 |
| Cost of funding earning assets | 2.2851% | 2,043 |
| Net interest margin | 3.0494% | 6,464 |
| Noninterest income to average assets | 0.2819% | 6,222 |
| Noninterest expense to average assets | 2.1016% | 7,195 |
| Loan and lease loss provision to assets | 0.0842% | 6,523 |
| Net operating income to assets | 0.5895% | 3,637 |
| Return on assets (ROA) | 0.5895% | 3,702 |
| Pretax return on assets | 0.9153% | 3,178 |
| Return on Equity (ROE) | 5.4132% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.4132% | 2,248 |
| Net charge-offs to loans | 0.0559% | 6,146 |
| Credit loss provision to net charge-offs | 287.5000% | 1,447 |
| Earnings coverage of net charge-offs (x) | 34.1134% | 844 |
| Efficiency ratio | 67.7686% | 5,028 |
| Assets per employee ($millions) | 3.0792% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,233 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 7,473 |
| Noncurrent loans to loans | 0.0762% | 7,303 |
| Net loans and leases to total assets | 52.5629% | 6,554 |
| Net loans and leases to deposits | 59.7637% | 6,842 |
| Net loans and leases to core deposits | 71.7871% | 6,862 |
| Total domestic deposits to total assets | 87.9513% | 1,676 |
| Equity capital to assets | 10.8769% | 3,140 |
| Core capital (leverage) ratio | 8.0555% | 6,260 |
| Tier 1 risk-based capital ratio | 14.3818% | 3,338 |
| Total risk-based capital ratio | 15.6335% | 3,283 |
| Memoranda: | ||
| Average total assets | $36,415,000 | 7,296 |
| Average earning assets | $33,666,500 | 7,265 |
| Average equity | $3,965,500 | 7,372 |
| Average total loans | $19,070,750 | 7,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3537% | 5,381 |
| Cost of funding earning assets | 2.3396% | 2,202 |
| Net interest margin | 3.0141% | 6,511 |
| Noninterest income to average assets | 0.2870% | 6,209 |
| Noninterest expense to average assets | 2.1139% | 7,245 |
| Loan and lease loss provision to assets | 0.0828% | 6,350 |
| Net operating income to assets | 0.5630% | 3,834 |
| Return on assets (ROA) | 0.5630% | 3,947 |
| Pretax return on assets | 0.8776% | 3,412 |
| Return on Equity (ROE) | 5.1676% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.1676% | 2,416 |
| Net charge-offs to loans | 0.0424% | 5,871 |
| Credit loss provision to net charge-offs | 375.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 761 |
| Efficiency ratio | 68.7612% | 5,015 |
| Assets per employee ($millions) | 3.0688% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,610 |
| Loan loss allowance to noncurrent loans | 293.2584% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 6,882 |
| Noncurrent loans to loans | 0.4853% | 6,313 |
| Net loans and leases to total assets | 49.0957% | 6,953 |
| Net loans and leases to deposits | 55.7354% | 7,180 |
| Net loans and leases to core deposits | 67.2094% | 7,161 |
| Total domestic deposits to total assets | 88.0872% | 1,723 |
| Equity capital to assets | 10.7506% | 3,160 |
| Core capital (leverage) ratio | 7.9117% | 6,473 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,145 |
| Total risk-based capital ratio | 15.9503% | 3,081 |
| Memoranda: | ||
| Average total assets | $36,236,670 | 7,371 |
| Average earning assets | $33,509,670 | 7,340 |
| Average equity | $3,947,670 | 7,436 |
| Average total loans | $18,865,330 | 7,403 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 4,805 |
| Cost of funding earning assets | 2.3853% | 2,352 |
| Net interest margin | 3.1360% | 6,085 |
| Noninterest income to average assets | 0.2671% | 6,306 |
| Noninterest expense to average assets | 2.0032% | 7,342 |
| Loan and lease loss provision to assets | 0.0779% | 5,982 |
| Net operating income to assets | 0.6900% | 3,604 |
| Return on assets (ROA) | 0.6900% | 3,791 |
| Pretax return on assets | 1.0684% | 3,107 |
| Return on Equity (ROE) | 6.2912% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.2912% | 2,503 |
| Net charge-offs to loans | 0.0627% | 4,575 |
| Credit loss provision to net charge-offs | 233.3333% | 1,969 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 961 |
| Efficiency ratio | 63.6042% | 5,762 |
| Assets per employee ($millions) | 3.3111% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 3,744 |
| Loan loss allowance to noncurrent loans | 368.1159% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 6,965 |
| Noncurrent loans to loans | 0.3689% | 6,500 |
| Net loans and leases to total assets | 50.6562% | 6,798 |
| Net loans and leases to deposits | 57.5843% | 7,063 |
| Net loans and leases to core deposits | 68.6588% | 7,101 |
| Total domestic deposits to total assets | 87.9688% | 1,760 |
| Equity capital to assets | 10.8561% | 3,117 |
| Core capital (leverage) ratio | 8.1094% | 6,272 |
| Tier 1 risk-based capital ratio | 14.6562% | 3,226 |
| Total risk-based capital ratio | 15.9084% | 3,155 |
| Memoranda: | ||
| Average total assets | $35,942,000 | 7,418 |
| Average earning assets | $33,035,500 | 7,405 |
| Average equity | $3,942,000 | 7,481 |
| Average total loans | $19,127,500 | 7,428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 4,475 |
| Cost of funding earning assets | 2.7473% | 2,940 |
| Net interest margin | 3.4609% | 5,436 |
| Noninterest income to average assets | 0.3169% | 6,186 |
| Noninterest expense to average assets | 2.1648% | 7,075 |
| Loan and lease loss provision to assets | 0.0859% | 6,312 |
| Net operating income to assets | 0.7878% | 3,493 |
| Return on assets (ROA) | 0.7878% | 3,332 |
| Pretax return on assets | 1.2261% | 2,562 |
| Return on Equity (ROE) | 7.2365% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.0535% | 2,607 |
| Net charge-offs to loans | 0.0832% | 5,571 |
| Credit loss provision to net charge-offs | 181.2500% | 2,772 |
| Earnings coverage of net charge-offs (x) | 27.6875% | 1,235 |
| Efficiency ratio | 62.2658% | 5,902 |
| Assets per employee ($millions) | 3.2238% | 5,417 |
| Cash dividends to net income (ytd only)* | 43.9850% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 3,938 |
| Loan loss allowance to noncurrent loans | 219.2982% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 6,318 |
| Noncurrent loans to loans | 0.5831% | 5,623 |
| Net loans and leases to total assets | 54.4273% | 6,608 |
| Net loans and leases to deposits | 62.0591% | 6,937 |
| Net loans and leases to core deposits | 73.6792% | 6,986 |
| Total domestic deposits to total assets | 87.7023% | 1,608 |
| Equity capital to assets | 11.0823% | 2,971 |
| Core capital (leverage) ratio | 8.1395% | 6,266 |
| Tier 1 risk-based capital ratio | 13.9011% | 3,589 |
| Total risk-based capital ratio | 15.1511% | 3,513 |
| Memoranda: | ||
| Average total assets | $33,766,800 | 7,474 |
| Average earning assets | $30,830,400 | 7,469 |
| Average equity | $3,675,800 | 7,620 |
| Average total loans | $19,219,600 | 7,388 |