Home > The Antwerp Exchange Bank Company > Performance and Condition Ratios
The Antwerp Exchange Bank Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,762 |
| Cost of funding earning assets | 1.1825% | 2,849 |
| Net interest margin | 3.4796% | 2,236 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.8038% | 1,485 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5918% | 3,457 |
| Return on assets (ROA) | 0.6134% | 3,392 |
| Pretax return on assets | 0.7498% | 3,338 |
| Return on Equity (ROE) | 9.6900% | 2,587 |
| Retained earnings to average equity (ytd only) | 7.4079% | 1,750 |
| Net charge-offs to loans | 0.0193% | 1,968 |
| Credit loss provision to net charge-offs | 109.5238% | 1,760 |
| Earnings coverage of net charge-offs (x) | 54.9524% | 1,236 |
| Efficiency ratio | 78.7399% | 1,008 |
| Assets per employee ($millions) | 5.4651% | 3,279 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 3,942 |
| Loan loss allowance to noncurrent loans | 57.9897% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 446 |
| Noncurrent loans to loans | 1.3981% | 498 |
| Net loans and leases to total assets | 71.9500% | 1,588 |
| Net loans and leases to deposits | 78.0394% | 2,258 |
| Net loans and leases to core deposits | 88.0305% | 2,177 |
| Total domestic deposits to total assets | 92.2000% | 277 |
| Equity capital to assets | 6.8029% | 4,017 |
| Core capital (leverage) ratio | 9.4169% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1483% | 1,817 |
| Memoranda: | ||
| Average total assets | $152,438,400 | 3,338 |
| Average earning assets | $140,132,200 | 3,343 |
| Average equity | $9,651,800 | 3,758 |
| Average total loans | $109,009,000 | 3,076 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 2,823 |
| Cost of funding earning assets | 1.0743% | 2,817 |
| Net interest margin | 3.4637% | 2,303 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.7657% | 1,504 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6172% | 3,498 |
| Return on assets (ROA) | 0.6251% | 3,477 |
| Pretax return on assets | 0.7608% | 3,423 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.7358% | 2,064 |
| Net charge-offs to loans | 0.0172% | 1,789 |
| Credit loss provision to net charge-offs | 257.1429% | 969 |
| Earnings coverage of net charge-offs (x) | 63.8571% | 1,169 |
| Efficiency ratio | 77.9423% | 1,016 |
| Assets per employee ($millions) | 4.9518% | 3,637 |
| Cash dividends to net income (ytd only)* | 23.1092% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 3,918 |
| Loan loss allowance to noncurrent loans | 55.2885% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 411 |
| Noncurrent loans to loans | 1.5019% | 484 |
| Net loans and leases to total assets | 71.5800% | 1,628 |
| Net loans and leases to deposits | 76.9287% | 2,342 |
| Net loans and leases to core deposits | 85.5298% | 2,215 |
| Total domestic deposits to total assets | 93.0400% | 290 |
| Equity capital to assets | 5.9842% | 3,993 |
| Core capital (leverage) ratio | 9.4493% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9194% | 1,928 |
| Memoranda: | ||
| Average total assets | $152,292,500 | 3,348 |
| Average earning assets | $140,118,000 | 3,358 |
| Average equity | $9,462,250 | 3,776 |
| Average total loans | $108,510,000 | 3,079 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,826 |
| Cost of funding earning assets | 0.9604% | 2,733 |
| Net interest margin | 3.4646% | 2,358 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.7731% | 1,477 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6002% | 3,571 |
| Return on assets (ROA) | 0.6110% | 3,555 |
| Pretax return on assets | 0.7440% | 3,514 |
| Return on Equity (ROE) | 9.7100% | 2,787 |
| Retained earnings to average equity (ytd only) | 7.4103% | 2,160 |
| Net charge-offs to loans | 0.0241% | 1,400 |
| Credit loss provision to net charge-offs | 200.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 44.6923% | 1,344 |
| Efficiency ratio | 78.3774% | 975 |
| Assets per employee ($millions) | 5.1826% | 3,427 |
| Cash dividends to net income (ytd only)* | 23.7069% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 3,945 |
| Loan loss allowance to noncurrent loans | 79.4246% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 627 |
| Noncurrent loans to loans | 1.0482% | 705 |
| Net loans and leases to total assets | 72.2000% | 1,506 |
| Net loans and leases to deposits | 80.0223% | 1,977 |
| Net loans and leases to core deposits | 84.6027% | 2,172 |
| Total domestic deposits to total assets | 90.2300% | 861 |
| Equity capital to assets | 6.3754% | 4,045 |
| Core capital (leverage) ratio | 9.4480% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8792% | 1,943 |
| Memoranda: | ||
| Average total assets | $151,888,333 | 3,359 |
| Average earning assets | $139,523,667 | 3,371 |
| Average equity | $9,554,333 | 3,792 |
| Average total loans | $107,748,333 | 3,084 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,790 |
| Cost of funding earning assets | 0.8325% | 2,591 |
| Net interest margin | 3.4725% | 2,447 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.6669% | 1,756 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6406% | 3,606 |
| Return on assets (ROA) | 0.6707% | 3,486 |
| Pretax return on assets | 0.8148% | 3,439 |
| Return on Equity (ROE) | 10.7300% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.4272% | 2,104 |
| Net charge-offs to loans | 0.0524% | 840 |
| Credit loss provision to net charge-offs | 185.7143% | 857 |
| Earnings coverage of net charge-offs (x) | 23.0714% | 1,411 |
| Efficiency ratio | 75.9135% | 1,174 |
| Assets per employee ($millions) | 5.2894% | 3,429 |
| Cash dividends to net income (ytd only)* | 21.4844% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 3,968 |
| Loan loss allowance to noncurrent loans | 121.7914% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 1,060 |
| Noncurrent loans to loans | 0.7034% | 1,083 |
| Net loans and leases to total assets | 68.7300% | 1,765 |
| Net loans and leases to deposits | 74.9676% | 2,216 |
| Net loans and leases to core deposits | 77.8893% | 2,395 |
| Total domestic deposits to total assets | 91.6800% | 595 |
| Equity capital to assets | 6.4338% | 4,053 |
| Core capital (leverage) ratio | 9.2750% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1171% | 1,940 |
| Memoranda: | ||
| Average total assets | $152,684,500 | 3,398 |
| Average earning assets | $140,304,000 | 3,403 |
| Average equity | $9,540,500 | 3,834 |
| Average total loans | $106,907,500 | 3,124 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 1,995 |
| Cost of funding earning assets | 0.4722% | 1,572 |
| Net interest margin | 3.4233% | 2,176 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6522% | 1,672 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6329% | 3,798 |
| Return on assets (ROA) | 0.5819% | 3,886 |
| Pretax return on assets | 0.7001% | 3,844 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.2845% | 2,537 |
| Net charge-offs to loans | 0.0156% | 1,806 |
| Credit loss provision to net charge-offs | 812.5000% | 489 |
| Earnings coverage of net charge-offs (x) | 79.3750% | 1,089 |
| Efficiency ratio | 75.7634% | 1,038 |
| Assets per employee ($millions) | 5.2405% | 3,474 |
| Cash dividends to net income (ytd only)* | 25.2583% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 4,097 |
| Loan loss allowance to noncurrent loans | 118.5079% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 1,106 |
| Noncurrent loans to loans | 0.6485% | 1,148 |
| Net loans and leases to total assets | 70.1800% | 1,623 |
| Net loans and leases to deposits | 77.8867% | 1,963 |
| Net loans and leases to core deposits | 79.8848% | 2,142 |
| Total domestic deposits to total assets | 90.1000% | 1,320 |
| Equity capital to assets | 6.0615% | 4,067 |
| Core capital (leverage) ratio | 9.3028% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0230% | 1,971 |
| Memoranda: | ||
| Average total assets | $149,684,800 | 3,445 |
| Average earning assets | $138,081,600 | 3,438 |
| Average equity | $10,358,800 | 3,828 |
| Average total loans | $102,511,600 | 3,117 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 1,816 |
| Cost of funding earning assets | 0.4148% | 1,192 |
| Net interest margin | 3.3657% | 2,081 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.6226% | 1,660 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.6210% | 3,783 |
| Return on assets (ROA) | 0.5669% | 3,876 |
| Pretax return on assets | 0.6787% | 3,834 |
| Return on Equity (ROE) | 7.9400% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.8740% | 2,795 |
| Net charge-offs to loans | 0.0053% | 1,977 |
| Credit loss provision to net charge-offs | 2,125.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 576 |
| Efficiency ratio | 76.2016% | 1,059 |
| Assets per employee ($millions) | 5.1224% | 3,569 |
| Cash dividends to net income (ytd only)* | 26.0252% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 4,192 |
| Loan loss allowance to noncurrent loans | 97.9012% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 986 |
| Noncurrent loans to loans | 0.7602% | 1,066 |
| Net loans and leases to total assets | 71.2000% | 1,377 |
| Net loans and leases to deposits | 78.7138% | 1,664 |
| Net loans and leases to core deposits | 80.9341% | 1,838 |
| Total domestic deposits to total assets | 90.4500% | 1,453 |
| Equity capital to assets | 5.9448% | 3,981 |
| Core capital (leverage) ratio | 9.1555% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5507% | 2,239 |
| Memoranda: | ||
| Average total assets | $149,112,250 | 3,479 |
| Average earning assets | $137,581,500 | 3,469 |
| Average equity | $10,645,500 | 3,844 |
| Average total loans | $101,270,250 | 3,138 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 1,798 |
| Cost of funding earning assets | 0.3730% | 1,094 |
| Net interest margin | 3.2406% | 2,075 |
| Noninterest income to average assets | 0.3282% | 3,200 |
| Noninterest expense to average assets | 2.5492% | 1,782 |
| Loan and lease loss provision to assets | 0.0469% | 1,728 |
| Net operating income to assets | 0.6151% | 3,587 |
| Return on assets (ROA) | 0.5559% | 3,698 |
| Pretax return on assets | 0.6537% | 3,705 |
| Return on Equity (ROE) | 7.3776% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,544 |
| Net charge-offs to loans | 0.0100% | 1,611 |
| Credit loss provision to net charge-offs | 700.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 756 |
| Efficiency ratio | 76.7958% | 1,198 |
| Assets per employee ($millions) | 4.9372% | 3,731 |
| Cash dividends to net income (ytd only)* | 26.5060% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,304 |
| Loan loss allowance to noncurrent loans | 95.6186% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 1,084 |
| Noncurrent loans to loans | 0.7501% | 1,147 |
| Net loans and leases to total assets | 69.3452% | 1,364 |
| Net loans and leases to deposits | 77.9971% | 1,541 |
| Net loans and leases to core deposits | 79.9222% | 1,723 |
| Total domestic deposits to total assets | 88.9074% | 2,226 |
| Equity capital to assets | 6.5637% | 3,992 |
| Core capital (leverage) ratio | 9.0477% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7331% | 2,188 |
| Memoranda: | ||
| Average total assets | $149,300,000 | 3,509 |
| Average earning assets | $137,814,667 | 3,516 |
| Average equity | $11,250,333 | 3,858 |
| Average total loans | $99,508,333 | 3,197 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 1,750 |
| Cost of funding earning assets | 0.3527% | 1,176 |
| Net interest margin | 3.1653% | 1,980 |
| Noninterest income to average assets | 0.3042% | 3,287 |
| Noninterest expense to average assets | 2.5218% | 1,828 |
| Loan and lease loss provision to assets | 0.0400% | 1,637 |
| Net operating income to assets | 0.5652% | 3,506 |
| Return on assets (ROA) | 0.5471% | 3,542 |
| Pretax return on assets | 0.6431% | 3,526 |
| Return on Equity (ROE) | 6.8251% | 3,092 |
| Retained earnings to average equity (ytd only) | 4.9940% | 2,599 |
| Net charge-offs to loans | 0.0123% | 1,315 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 714 |
| Efficiency ratio | 78.1638% | 1,300 |
| Assets per employee ($millions) | 5.2768% | 3,510 |
| Cash dividends to net income (ytd only)* | 26.8293% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 4,333 |
| Loan loss allowance to noncurrent loans | 71.6123% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 891 |
| Noncurrent loans to loans | 1.0230% | 885 |
| Net loans and leases to total assets | 64.1083% | 1,607 |
| Net loans and leases to deposits | 70.2296% | 1,945 |
| Net loans and leases to core deposits | 71.8561% | 2,125 |
| Total domestic deposits to total assets | 91.2839% | 898 |
| Equity capital to assets | 7.2340% | 4,083 |
| Core capital (leverage) ratio | 8.7967% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1152% | 2,569 |
| Memoranda: | ||
| Average total assets | $149,891,500 | 3,518 |
| Average earning assets | $138,373,500 | 3,519 |
| Average equity | $12,014,500 | 3,864 |
| Average total loans | $97,535,500 | 3,221 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 1,721 |
| Cost of funding earning assets | 0.4723% | 1,048 |
| Net interest margin | 3.3901% | 2,066 |
| Noninterest income to average assets | 0.3328% | 3,419 |
| Noninterest expense to average assets | 2.7398% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5919% | 3,893 |
| Return on assets (ROA) | 0.5936% | 3,931 |
| Pretax return on assets | 0.7072% | 3,915 |
| Return on Equity (ROE) | 6.5172% | 3,638 |
| Retained earnings to average equity (ytd only) | 4.8144% | 2,852 |
| Net charge-offs to loans | 0.0482% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 22.2222% | 1,803 |
| Efficiency ratio | 79.5334% | 837 |
| Assets per employee ($millions) | 5.0606% | 3,681 |
| Cash dividends to net income (ytd only)* | 26.1283% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 4,365 |
| Loan loss allowance to noncurrent loans | 69.4634% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 911 |
| Noncurrent loans to loans | 1.0650% | 916 |
| Net loans and leases to total assets | 65.0958% | 1,572 |
| Net loans and leases to deposits | 72.8640% | 1,824 |
| Net loans and leases to core deposits | 74.8226% | 2,015 |
| Total domestic deposits to total assets | 89.3388% | 1,331 |
| Equity capital to assets | 8.8303% | 3,780 |
| Core capital (leverage) ratio | 9.0521% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6163% | 2,404 |
| Memoranda: | ||
| Average total assets | $141,835,000 | 3,567 |
| Average earning assets | $130,203,600 | 3,571 |
| Average equity | $12,919,600 | 3,841 |
| Average total loans | $93,383,200 | 3,286 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 1,827 |
| Cost of funding earning assets | 0.5041% | 1,027 |
| Net interest margin | 3.3731% | 2,228 |
| Noninterest income to average assets | 0.3300% | 3,455 |
| Noninterest expense to average assets | 2.7177% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5923% | 4,015 |
| Return on assets (ROA) | 0.5955% | 4,061 |
| Pretax return on assets | 0.7065% | 4,058 |
| Return on Equity (ROE) | 6.4859% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.7818% | 3,297 |
| Net charge-offs to loans | 0.0518% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,725 |
| Efficiency ratio | 79.4566% | 779 |
| Assets per employee ($millions) | 4.9076% | 3,788 |
| Cash dividends to net income (ytd only)* | 26.2739% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,404 |
| Loan loss allowance to noncurrent loans | 51.8705% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 688 |
| Noncurrent loans to loans | 1.4690% | 720 |
| Net loans and leases to total assets | 65.9795% | 1,550 |
| Net loans and leases to deposits | 74.0184% | 1,850 |
| Net loans and leases to core deposits | 76.1672% | 2,033 |
| Total domestic deposits to total assets | 89.1393% | 1,205 |
| Equity capital to assets | 9.2067% | 3,648 |
| Core capital (leverage) ratio | 9.0926% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5499% | 2,526 |
| Memoranda: | ||
| Average total assets | $140,604,750 | 3,624 |
| Average earning assets | $128,819,500 | 3,627 |
| Average equity | $12,909,750 | 3,890 |
| Average total loans | $92,668,000 | 3,340 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 1,836 |
| Cost of funding earning assets | 0.5329% | 1,021 |
| Net interest margin | 3.3597% | 2,275 |
| Noninterest income to average assets | 0.3242% | 3,484 |
| Noninterest expense to average assets | 2.6637% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6156% | 3,949 |
| Return on assets (ROA) | 0.6156% | 4,005 |
| Pretax return on assets | 0.7313% | 4,004 |
| Return on Equity (ROE) | 6.7106% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.9979% | 3,184 |
| Net charge-offs to loans | 0.0543% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 20.4800% | 1,523 |
| Efficiency ratio | 78.4602% | 888 |
| Assets per employee ($millions) | 4.7161% | 3,913 |
| Cash dividends to net income (ytd only)* | 25.5220% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,378 |
| Loan loss allowance to noncurrent loans | 61.9289% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 941 |
| Noncurrent loans to loans | 1.2730% | 929 |
| Net loans and leases to total assets | 65.1079% | 1,812 |
| Net loans and leases to deposits | 73.4689% | 2,050 |
| Net loans and leases to core deposits | 75.6196% | 2,274 |
| Total domestic deposits to total assets | 88.6198% | 1,493 |
| Equity capital to assets | 9.1538% | 3,652 |
| Core capital (leverage) ratio | 8.9528% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8768% | 2,412 |
| Memoranda: | ||
| Average total assets | $140,033,000 | 3,635 |
| Average earning assets | $127,988,333 | 3,649 |
| Average equity | $12,845,333 | 3,903 |
| Average total loans | $92,016,333 | 3,372 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 2,159 |
| Cost of funding earning assets | 0.5719% | 1,002 |
| Net interest margin | 3.2070% | 2,677 |
| Noninterest income to average assets | 0.3044% | 3,592 |
| Noninterest expense to average assets | 2.7392% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4135% | 4,340 |
| Return on assets (ROA) | 0.4135% | 4,369 |
| Pretax return on assets | 0.4795% | 4,380 |
| Return on Equity (ROE) | 4.5026% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.7829% | 3,842 |
| Net charge-offs to loans | -0.0087% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1026% | 546 |
| Assets per employee ($millions) | 4.9031% | 3,759 |
| Cash dividends to net income (ytd only)* | 38.1944% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 4,367 |
| Loan loss allowance to noncurrent loans | 81.6129% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 1,449 |
| Noncurrent loans to loans | 1.0022% | 1,337 |
| Net loans and leases to total assets | 64.7284% | 1,951 |
| Net loans and leases to deposits | 72.3251% | 2,279 |
| Net loans and leases to core deposits | 74.7116% | 2,452 |
| Total domestic deposits to total assets | 89.4965% | 1,067 |
| Equity capital to assets | 8.9000% | 3,786 |
| Core capital (leverage) ratio | 9.0292% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6577% | 2,423 |
| Memoranda: | ||
| Average total assets | $139,308,500 | 3,647 |
| Average earning assets | $126,598,500 | 3,663 |
| Average equity | $12,792,500 | 3,916 |
| Average total loans | $91,600,500 | 3,385 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 1,921 |
| Cost of funding earning assets | 0.8294% | 1,094 |
| Net interest margin | 3.4530% | 2,621 |
| Noninterest income to average assets | 0.3188% | 3,551 |
| Noninterest expense to average assets | 2.9089% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4681% | 4,099 |
| Return on assets (ROA) | 0.4856% | 4,143 |
| Pretax return on assets | 0.5593% | 4,164 |
| Return on Equity (ROE) | 4.9714% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,216 |
| Net charge-offs to loans | 0.0847% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 9.1447% | 2,544 |
| Efficiency ratio | 84.3645% | 604 |
| Assets per employee ($millions) | 4.4008% | 4,016 |
| Cash dividends to net income (ytd only)* | 35.1438% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,345 |
| Loan loss allowance to noncurrent loans | 59.7003% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 1,048 |
| Noncurrent loans to loans | 1.4026% | 967 |
| Net loans and leases to total assets | 65.7111% | 2,134 |
| Net loans and leases to deposits | 74.6654% | 2,415 |
| Net loans and leases to core deposits | 77.2712% | 2,614 |
| Total domestic deposits to total assets | 88.0074% | 1,468 |
| Equity capital to assets | 9.4777% | 3,641 |
| Core capital (leverage) ratio | 9.2840% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8692% | 2,291 |
| Memoranda: | ||
| Average total assets | $128,912,600 | 3,638 |
| Average earning assets | $116,825,200 | 3,667 |
| Average equity | $12,592,000 | 3,907 |
| Average total loans | $89,729,400 | 3,402 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,748 |
| Cost of funding earning assets | 0.8801% | 1,136 |
| Net interest margin | 3.5572% | 2,403 |
| Noninterest income to average assets | 0.3275% | 3,525 |
| Noninterest expense to average assets | 2.9587% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5153% | 3,990 |
| Return on assets (ROA) | 0.5153% | 4,087 |
| Pretax return on assets | 0.5972% | 4,104 |
| Return on Equity (ROE) | 5.2341% | 3,816 |
| Retained earnings to average equity (ytd only) | 3.4752% | 3,314 |
| Net charge-offs to loans | 0.0983% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 8.6212% | 2,485 |
| Efficiency ratio | 83.2054% | 660 |
| Assets per employee ($millions) | 4.5751% | 3,751 |
| Cash dividends to net income (ytd only)* | 33.6049% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 4,260 |
| Loan loss allowance to noncurrent loans | 71.8165% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 1,430 |
| Noncurrent loans to loans | 1.1674% | 1,299 |
| Net loans and leases to total assets | 68.3733% | 2,184 |
| Net loans and leases to deposits | 77.9382% | 2,537 |
| Net loans and leases to core deposits | 80.7306% | 2,781 |
| Total domestic deposits to total assets | 87.7275% | 1,330 |
| Equity capital to assets | 9.6978% | 3,517 |
| Core capital (leverage) ratio | 9.4226% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8139% | 2,282 |
| Memoranda: | ||
| Average total assets | $127,034,250 | 3,658 |
| Average earning assets | $115,293,500 | 3,674 |
| Average equity | $12,507,500 | 3,918 |
| Average total loans | $89,560,750 | 3,421 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,680 |
| Cost of funding earning assets | 0.9340% | 1,222 |
| Net interest margin | 3.6495% | 2,318 |
| Noninterest income to average assets | 0.3308% | 3,491 |
| Noninterest expense to average assets | 2.8925% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6360% | 3,622 |
| Return on assets (ROA) | 0.6360% | 3,708 |
| Pretax return on assets | 0.7479% | 3,746 |
| Return on Equity (ROE) | 6.4257% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.6498% | 2,640 |
| Net charge-offs to loans | 0.0067% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 522 |
| Efficiency ratio | 79.4557% | 929 |
| Assets per employee ($millions) | 4.4906% | 3,798 |
| Cash dividends to net income (ytd only)* | 27.6382% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 3,942 |
| Loan loss allowance to noncurrent loans | 57.1625% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 921 |
| Noncurrent loans to loans | 1.5987% | 923 |
| Net loans and leases to total assets | 69.1057% | 2,169 |
| Net loans and leases to deposits | 78.9167% | 2,551 |
| Net loans and leases to core deposits | 81.7884% | 2,792 |
| Total domestic deposits to total assets | 87.5680% | 1,394 |
| Equity capital to assets | 9.8358% | 3,337 |
| Core capital (leverage) ratio | 9.6572% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1115% | 2,132 |
| Memoranda: | ||
| Average total assets | $125,152,667 | 3,663 |
| Average earning assets | $113,495,333 | 3,683 |
| Average equity | $12,387,667 | 3,936 |
| Average total loans | $88,919,667 | 3,439 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 2,196 |
| Cost of funding earning assets | 1.0367% | 1,273 |
| Net interest margin | 3.5010% | 2,984 |
| Noninterest income to average assets | 0.3425% | 3,469 |
| Noninterest expense to average assets | 3.0404% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4208% | 4,087 |
| Return on assets (ROA) | 0.4208% | 4,126 |
| Pretax return on assets | 0.4861% | 4,145 |
| Return on Equity (ROE) | 4.2375% | 3,888 |
| Retained earnings to average equity (ytd only) | 2.4308% | 3,297 |
| Net charge-offs to loans | 0.0182% | 2,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,062 |
| Efficiency ratio | 86.2165% | 687 |
| Assets per employee ($millions) | 4.6584% | 3,056 |
| Cash dividends to net income (ytd only)* | 42.6357% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,921 |
| Loan loss allowance to noncurrent loans | 54.1476% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 903 |
| Noncurrent loans to loans | 1.7580% | 855 |
| Net loans and leases to total assets | 68.5807% | 2,457 |
| Net loans and leases to deposits | 78.1698% | 2,867 |
| Net loans and leases to core deposits | 80.9076% | 3,120 |
| Total domestic deposits to total assets | 87.7330% | 1,216 |
| Equity capital to assets | 9.6521% | 4,078 |
| Core capital (leverage) ratio | 9.9166% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7670% | 1,984 |
| Memoranda: | ||
| Average total assets | $122,615,000 | 3,670 |
| Average earning assets | $111,509,500 | 3,692 |
| Average equity | $12,177,000 | 3,975 |
| Average total loans | $87,967,000 | 3,444 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 1,717 |
| Cost of funding earning assets | 1.0598% | 1,478 |
| Net interest margin | 3.8538% | 2,321 |
| Noninterest income to average assets | 0.3822% | 3,401 |
| Noninterest expense to average assets | 3.0860% | 1,792 |
| Loan and lease loss provision to assets | 0.0142% | 3,728 |
| Net operating income to assets | 0.6577% | 3,993 |
| Return on assets (ROA) | 0.6577% | 4,064 |
| Pretax return on assets | 0.7759% | 4,030 |
| Return on Equity (ROE) | 6.2204% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.2030% | 2,859 |
| Net charge-offs to loans | 0.0092% | 3,357 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 111.1250% | 624 |
| Efficiency ratio | 79.6148% | 973 |
| Assets per employee ($millions) | 4.1191% | 3,744 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,798 |
| Loan loss allowance to noncurrent loans | 49.6720% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 686 |
| Noncurrent loans to loans | 1.8875% | 695 |
| Net loans and leases to total assets | 73.6802% | 1,805 |
| Net loans and leases to deposits | 84.6753% | 2,249 |
| Net loans and leases to core deposits | 87.8120% | 2,622 |
| Total domestic deposits to total assets | 87.0151% | 1,599 |
| Equity capital to assets | 10.2249% | 3,706 |
| Core capital (leverage) ratio | 10.2143% | 3,284 |
| Tier 1 risk-based capital ratio | 13.2474% | 3,651 |
| Total risk-based capital ratio | 14.1569% | 3,717 |
| Memoranda: | ||
| Average total assets | $112,509,000 | 3,797 |
| Average earning assets | $102,003,200 | 3,835 |
| Average equity | $11,896,400 | 4,007 |
| Average total loans | $87,192,200 | 3,463 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 1,743 |
| Cost of funding earning assets | 1.0373% | 1,596 |
| Net interest margin | 3.8888% | 2,296 |
| Noninterest income to average assets | 0.3876% | 3,391 |
| Noninterest expense to average assets | 3.1379% | 1,617 |
| Loan and lease loss provision to assets | 0.0193% | 3,524 |
| Net operating income to assets | 0.6451% | 4,168 |
| Return on assets (ROA) | 0.6451% | 4,221 |
| Pretax return on assets | 0.7547% | 4,230 |
| Return on Equity (ROE) | 6.0476% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.0167% | 3,388 |
| Net charge-offs to loans | 0.0015% | 3,395 |
| Credit loss provision to net charge-offs | 1,600.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 644.5940% | 152 |
| Efficiency ratio | 80.2154% | 907 |
| Assets per employee ($millions) | 4.0239% | 3,871 |
| Cash dividends to net income (ytd only)* | 33.5815% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 3,959 |
| Loan loss allowance to noncurrent loans | 69.1358% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,160 |
| Noncurrent loans to loans | 1.3327% | 1,155 |
| Net loans and leases to total assets | 77.4057% | 1,241 |
| Net loans and leases to deposits | 89.1916% | 1,790 |
| Net loans and leases to core deposits | 91.6988% | 2,395 |
| Total domestic deposits to total assets | 86.7858% | 1,625 |
| Equity capital to assets | 10.3819% | 3,653 |
| Core capital (leverage) ratio | 10.5291% | 3,087 |
| Tier 1 risk-based capital ratio | 12.8121% | 3,950 |
| Total risk-based capital ratio | 13.7098% | 4,051 |
| Memoranda: | ||
| Average total assets | $110,772,750 | 3,864 |
| Average earning assets | $100,388,500 | 3,902 |
| Average equity | $11,817,000 | 4,058 |
| Average total loans | $86,778,500 | 3,513 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 1,719 |
| Cost of funding earning assets | 1.0036% | 1,680 |
| Net interest margin | 3.9071% | 2,224 |
| Noninterest income to average assets | 0.3805% | 3,398 |
| Noninterest expense to average assets | 3.0974% | 1,735 |
| Loan and lease loss provision to assets | 0.0294% | 3,233 |
| Net operating income to assets | 0.6765% | 4,080 |
| Return on assets (ROA) | 0.6765% | 4,133 |
| Pretax return on assets | 0.7960% | 4,105 |
| Return on Equity (ROE) | 6.2811% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.2329% | 3,134 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9597% | 1,060 |
| Assets per employee ($millions) | 3.5688% | 4,416 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,841 |
| Loan loss allowance to noncurrent loans | 63.4238% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 993 |
| Noncurrent loans to loans | 1.5105% | 1,021 |
| Net loans and leases to total assets | 78.5876% | 1,107 |
| Net loans and leases to deposits | 91.2711% | 1,589 |
| Net loans and leases to core deposits | 93.9884% | 2,238 |
| Total domestic deposits to total assets | 86.1035% | 1,973 |
| Equity capital to assets | 10.8052% | 3,265 |
| Core capital (leverage) ratio | 10.8533% | 2,737 |
| Tier 1 risk-based capital ratio | 13.1117% | 3,778 |
| Total risk-based capital ratio | 14.0402% | 3,855 |
| Memoranda: | ||
| Average total assets | $108,799,330 | 3,916 |
| Average earning assets | $98,641,670 | 3,947 |
| Average equity | $11,717,670 | 4,086 |
| Average total loans | $85,315,670 | 3,564 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 1,897 |
| Cost of funding earning assets | 0.9864% | 1,627 |
| Net interest margin | 3.8147% | 2,467 |
| Noninterest income to average assets | 0.3634% | 3,423 |
| Noninterest expense to average assets | 3.2220% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5154% | 4,477 |
| Return on assets (ROA) | 0.5154% | 4,498 |
| Pretax return on assets | 0.5969% | 4,520 |
| Return on Equity (ROE) | 4.7933% | 4,386 |
| Retained earnings to average equity (ytd only) | 2.7243% | 3,848 |
| Net charge-offs to loans | -0.0048% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3689% | 686 |
| Assets per employee ($millions) | 3.7606% | 4,261 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 3,820 |
| Loan loss allowance to noncurrent loans | 54.2707% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 811 |
| Noncurrent loans to loans | 1.8079% | 850 |
| Net loans and leases to total assets | 76.4380% | 1,407 |
| Net loans and leases to deposits | 88.5717% | 1,797 |
| Net loans and leases to core deposits | 91.2305% | 2,375 |
| Total domestic deposits to total assets | 86.3007% | 2,140 |
| Equity capital to assets | 10.7182% | 3,146 |
| Core capital (leverage) ratio | 10.8375% | 2,729 |
| Tier 1 risk-based capital ratio | 13.5538% | 3,578 |
| Total risk-based capital ratio | 14.5097% | 3,641 |
| Memoranda: | ||
| Average total assets | $107,883,000 | 3,969 |
| Average earning assets | $97,727,000 | 4,012 |
| Average equity | $11,599,500 | 4,116 |
| Average total loans | $84,081,500 | 3,608 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 2,215 |
| Cost of funding earning assets | 0.7761% | 1,653 |
| Net interest margin | 3.7982% | 2,662 |
| Noninterest income to average assets | 0.3930% | 3,479 |
| Noninterest expense to average assets | 2.8843% | 2,409 |
| Loan and lease loss provision to assets | 0.0029% | 4,051 |
| Net operating income to assets | 0.8304% | 3,693 |
| Return on assets (ROA) | 0.8304% | 3,690 |
| Pretax return on assets | 0.9824% | 3,667 |
| Return on Equity (ROE) | 7.6725% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.6605% | 2,378 |
| Net charge-offs to loans | 0.0076% | 3,416 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 510 |
| Efficiency ratio | 74.5373% | 1,557 |
| Assets per employee ($millions) | 3.9522% | 3,960 |
| Cash dividends to net income (ytd only)* | 26.2238% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,794 |
| Loan loss allowance to noncurrent loans | 50.2436% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 681 |
| Noncurrent loans to loans | 1.9553% | 695 |
| Net loans and leases to total assets | 77.9231% | 1,282 |
| Net loans and leases to deposits | 92.3161% | 1,504 |
| Net loans and leases to core deposits | 96.0284% | 2,060 |
| Total domestic deposits to total assets | 84.4090% | 2,866 |
| Equity capital to assets | 10.7863% | 2,894 |
| Core capital (leverage) ratio | 10.9801% | 2,543 |
| Tier 1 risk-based capital ratio | 13.6825% | 3,447 |
| Total risk-based capital ratio | 14.6531% | 3,501 |
| Memoranda: | ||
| Average total assets | $103,319,200 | 4,047 |
| Average earning assets | $94,570,000 | 4,052 |
| Average equity | $11,182,800 | 4,137 |
| Average total loans | $79,387,800 | 3,679 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 2,219 |
| Cost of funding earning assets | 0.7022% | 1,834 |
| Net interest margin | 3.8202% | 2,571 |
| Noninterest income to average assets | 0.3825% | 3,586 |
| Noninterest expense to average assets | 2.9133% | 2,266 |
| Loan and lease loss provision to assets | 0.0039% | 3,896 |
| Net operating income to assets | 0.8236% | 3,829 |
| Return on assets (ROA) | 0.8236% | 3,839 |
| Pretax return on assets | 0.9694% | 3,819 |
| Return on Equity (ROE) | 7.6027% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.6209% | 2,871 |
| Net charge-offs to loans | 0.1005% | 1,486 |
| Credit loss provision to net charge-offs | 5.0847% | 3,074 |
| Earnings coverage of net charge-offs (x) | 12.6787% | 2,433 |
| Efficiency ratio | 74.9582% | 1,468 |
| Assets per employee ($millions) | 4.5303% | 3,074 |
| Cash dividends to net income (ytd only)* | 26.0658% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 4,090 |
| Loan loss allowance to noncurrent loans | 54.6355% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 901 |
| Noncurrent loans to loans | 1.7200% | 905 |
| Net loans and leases to total assets | 78.0984% | 1,331 |
| Net loans and leases to deposits | 93.8583% | 1,395 |
| Net loans and leases to core deposits | 97.7748% | 1,953 |
| Total domestic deposits to total assets | 83.2089% | 3,227 |
| Equity capital to assets | 10.8169% | 2,830 |
| Core capital (leverage) ratio | 11.0666% | 2,514 |
| Tier 1 risk-based capital ratio | 13.8791% | 3,428 |
| Total risk-based capital ratio | 14.8137% | 3,504 |
| Memoranda: | ||
| Average total assets | $102,471,750 | 4,101 |
| Average earning assets | $93,989,000 | 4,105 |
| Average equity | $11,101,000 | 4,186 |
| Average total loans | $78,240,750 | 3,729 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,355 |
| Cost of funding earning assets | 0.6357% | 2,016 |
| Net interest margin | 3.7822% | 2,629 |
| Noninterest income to average assets | 0.3808% | 3,616 |
| Noninterest expense to average assets | 2.8696% | 2,439 |
| Loan and lease loss provision to assets | 0.0059% | 3,718 |
| Net operating income to assets | 0.8322% | 3,747 |
| Return on assets (ROA) | 0.8322% | 3,750 |
| Pretax return on assets | 0.9735% | 3,740 |
| Return on Equity (ROE) | 7.6781% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.6862% | 2,733 |
| Net charge-offs to loans | 0.0208% | 2,464 |
| Credit loss provision to net charge-offs | 37.5000% | 2,580 |
| Earnings coverage of net charge-offs (x) | 62.3750% | 970 |
| Efficiency ratio | 74.5538% | 1,630 |
| Assets per employee ($millions) | 4.2460% | 3,505 |
| Cash dividends to net income (ytd only)* | 25.9434% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,575 |
| Loan loss allowance to noncurrent loans | 70.5832% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 1,149 |
| Noncurrent loans to loans | 1.4776% | 1,139 |
| Net loans and leases to total assets | 76.6280% | 1,544 |
| Net loans and leases to deposits | 92.0067% | 1,577 |
| Net loans and leases to core deposits | 94.7589% | 2,156 |
| Total domestic deposits to total assets | 83.2852% | 3,335 |
| Equity capital to assets | 10.9603% | 2,671 |
| Core capital (leverage) ratio | 11.0151% | 2,510 |
| Tier 1 risk-based capital ratio | 14.5474% | 3,096 |
| Total risk-based capital ratio | 15.6059% | 3,098 |
| Memoranda: | ||
| Average total assets | $101,896,330 | 4,145 |
| Average earning assets | $93,437,330 | 4,155 |
| Average equity | $11,044,330 | 4,226 |
| Average total loans | $76,938,000 | 3,777 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,600 |
| Cost of funding earning assets | 0.6113% | 1,974 |
| Net interest margin | 3.6679% | 2,927 |
| Noninterest income to average assets | 0.3690% | 3,667 |
| Noninterest expense to average assets | 2.9482% | 2,206 |
| Loan and lease loss provision to assets | 0.0118% | 3,374 |
| Net operating income to assets | 0.6752% | 4,188 |
| Return on assets (ROA) | 0.6752% | 4,193 |
| Pretax return on assets | 0.7773% | 4,205 |
| Return on Equity (ROE) | 6.2648% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.4436% | 3,420 |
| Net charge-offs to loans | -0.0053% | 4,029 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8866% | 1,267 |
| Assets per employee ($millions) | 4.2539% | 3,558 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,358 |
| Loan loss allowance to noncurrent loans | 70.0927% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,182 |
| Noncurrent loans to loans | 1.5743% | 1,106 |
| Net loans and leases to total assets | 73.0366% | 2,019 |
| Net loans and leases to deposits | 82.9507% | 2,506 |
| Net loans and leases to core deposits | 85.2816% | 2,863 |
| Total domestic deposits to total assets | 88.0483% | 1,591 |
| Equity capital to assets | 10.7597% | 2,812 |
| Core capital (leverage) ratio | 10.9190% | 2,523 |
| Tier 1 risk-based capital ratio | 14.8090% | 2,977 |
| Total risk-based capital ratio | 15.9176% | 2,954 |
| Memoranda: | ||
| Average total assets | $101,892,500 | 4,194 |
| Average earning assets | $93,568,000 | 4,195 |
| Average equity | $10,982,000 | 4,274 |
| Average total loans | $75,952,000 | 3,839 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,334 |
| Cost of funding earning assets | 0.5638% | 1,863 |
| Net interest margin | 3.7351% | 2,660 |
| Noninterest income to average assets | 0.3904% | 3,702 |
| Noninterest expense to average assets | 2.7191% | 3,066 |
| Loan and lease loss provision to assets | 0.0260% | 3,777 |
| Net operating income to assets | 0.7769% | 3,267 |
| Return on assets (ROA) | 0.7769% | 3,306 |
| Pretax return on assets | 1.0655% | 3,320 |
| Return on Equity (ROE) | 7.2333% | 3,158 |
| Retained earnings to average equity (ytd only) | 5.3738% | 1,880 |
| Net charge-offs to loans | -0.0511% | 5,193 |
| Credit loss provision to net charge-offs | -66.6667% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3574% | 2,326 |
| Assets per employee ($millions) | 4.2371% | 3,598 |
| Cash dividends to net income (ytd only)* | 25.7069% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,436 |
| Loan loss allowance to noncurrent loans | 72.0000% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 1,192 |
| Noncurrent loans to loans | 1.5032% | 1,132 |
| Net loans and leases to total assets | 74.4196% | 1,851 |
| Net loans and leases to deposits | 85.6115% | 2,312 |
| Net loans and leases to core deposits | 88.0530% | 2,716 |
| Total domestic deposits to total assets | 86.9271% | 2,028 |
| Equity capital to assets | 10.7964% | 2,841 |
| Core capital (leverage) ratio | 10.7103% | 2,637 |
| Tier 1 risk-based capital ratio | 14.5388% | 3,070 |
| Total risk-based capital ratio | 15.6335% | 3,060 |
| Memoranda: | ||
| Average total assets | $100,143,000 | 4,233 |
| Average earning assets | $91,697,600 | 4,253 |
| Average equity | $10,755,800 | 4,342 |
| Average total loans | $76,320,200 | 3,815 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,366 |
| Cost of funding earning assets | 0.5562% | 1,842 |
| Net interest margin | 3.7121% | 2,709 |
| Noninterest income to average assets | 0.3836% | 3,791 |
| Noninterest expense to average assets | 2.7533% | 2,883 |
| Loan and lease loss provision to assets | 0.0348% | 3,422 |
| Net operating income to assets | 0.7511% | 3,732 |
| Return on assets (ROA) | 0.7511% | 3,793 |
| Pretax return on assets | 0.9944% | 3,709 |
| Return on Equity (ROE) | 7.0029% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.1338% | 2,790 |
| Net charge-offs to loans | -0.0787% | 5,311 |
| Credit loss provision to net charge-offs | -57.7778% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7915% | 2,075 |
| Assets per employee ($millions) | 4.6425% | 2,911 |
| Cash dividends to net income (ytd only)* | 26.6912% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,511 |
| Loan loss allowance to noncurrent loans | 69.2116% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2983% | 1,239 |
| Noncurrent loans to loans | 1.5819% | 1,173 |
| Net loans and leases to total assets | 73.7664% | 1,951 |
| Net loans and leases to deposits | 84.7787% | 2,465 |
| Net loans and leases to core deposits | 87.1762% | 2,860 |
| Total domestic deposits to total assets | 87.0105% | 1,872 |
| Equity capital to assets | 10.7073% | 3,157 |
| Core capital (leverage) ratio | 10.7239% | 2,731 |
| Tier 1 risk-based capital ratio | 14.1025% | 3,394 |
| Total risk-based capital ratio | 15.1885% | 3,399 |
| Memoranda: | ||
| Average total assets | $99,756,000 | 4,286 |
| Average earning assets | $91,337,750 | 4,301 |
| Average equity | $10,700,000 | 4,388 |
| Average total loans | $76,273,750 | 3,855 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,384 |
| Cost of funding earning assets | 0.5363% | 1,867 |
| Net interest margin | 3.6877% | 2,693 |
| Noninterest income to average assets | 0.3820% | 3,815 |
| Noninterest expense to average assets | 2.7445% | 2,944 |
| Loan and lease loss provision to assets | 0.0525% | 2,932 |
| Net operating income to assets | 0.7377% | 3,684 |
| Return on assets (ROA) | 0.7377% | 3,745 |
| Pretax return on assets | 0.9620% | 3,719 |
| Return on Equity (ROE) | 6.8730% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.9900% | 2,717 |
| Net charge-offs to loans | -0.1179% | 5,459 |
| Credit loss provision to net charge-offs | -57.7778% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0108% | 2,184 |
| Assets per employee ($millions) | 4.3073% | 3,420 |
| Cash dividends to net income (ytd only)* | 27.3973% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,662 |
| Loan loss allowance to noncurrent loans | 67.2581% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 1,189 |
| Noncurrent loans to loans | 1.6142% | 1,143 |
| Net loans and leases to total assets | 76.6960% | 1,429 |
| Net loans and leases to deposits | 88.3820% | 1,939 |
| Net loans and leases to core deposits | 90.9615% | 2,434 |
| Total domestic deposits to total assets | 86.7779% | 2,053 |
| Equity capital to assets | 10.9166% | 2,907 |
| Core capital (leverage) ratio | 10.7260% | 2,679 |
| Tier 1 risk-based capital ratio | 14.2182% | 3,300 |
| Total risk-based capital ratio | 15.3282% | 3,306 |
| Memoranda: | ||
| Average total assets | $98,962,670 | 4,326 |
| Average earning assets | $90,625,670 | 4,341 |
| Average equity | $10,621,330 | 4,420 |
| Average total loans | $76,306,330 | 3,875 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 2,514 |
| Cost of funding earning assets | 0.5258% | 1,895 |
| Net interest margin | 3.6143% | 2,834 |
| Noninterest income to average assets | 0.3640% | 3,929 |
| Noninterest expense to average assets | 2.8309% | 2,684 |
| Loan and lease loss provision to assets | 0.1051% | 1,818 |
| Net operating income to assets | 0.5824% | 4,228 |
| Return on assets (ROA) | 0.5824% | 4,274 |
| Pretax return on assets | 0.7360% | 4,324 |
| Return on Equity (ROE) | 5.4729% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.5726% | 3,652 |
| Net charge-offs to loans | -0.0579% | 5,249 |
| Credit loss provision to net charge-offs | -236.3636% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0925% | 1,745 |
| Assets per employee ($millions) | 4.5431% | 3,097 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,974 |
| Loan loss allowance to noncurrent loans | 62.6468% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 1,222 |
| Noncurrent loans to loans | 1.6768% | 1,149 |
| Net loans and leases to total assets | 75.3955% | 1,512 |
| Net loans and leases to deposits | 86.5118% | 1,976 |
| Net loans and leases to core deposits | 88.9966% | 2,453 |
| Total domestic deposits to total assets | 87.1504% | 2,136 |
| Equity capital to assets | 10.5974% | 3,070 |
| Core capital (leverage) ratio | 10.6043% | 2,786 |
| Tier 1 risk-based capital ratio | 14.0244% | 3,461 |
| Total risk-based capital ratio | 15.0917% | 3,487 |
| Memoranda: | ||
| Average total assets | $98,909,500 | 4,369 |
| Average earning assets | $90,529,000 | 4,382 |
| Average equity | $10,524,500 | 4,463 |
| Average total loans | $76,051,500 | 3,908 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 2,587 |
| Cost of funding earning assets | 0.4915% | 2,155 |
| Net interest margin | 3.6783% | 2,781 |
| Noninterest income to average assets | 1.1187% | 917 |
| Noninterest expense to average assets | 2.8916% | 2,701 |
| Loan and lease loss provision to assets | 0.0913% | 2,530 |
| Net operating income to assets | 1.1086% | 1,865 |
| Return on assets (ROA) | 1.1086% | 1,961 |
| Pretax return on assets | 1.5214% | 1,523 |
| Return on Equity (ROE) | 10.8402% | 1,642 |
| Retained earnings to average equity (ytd only) | 8.7575% | 638 |
| Net charge-offs to loans | 0.0942% | 2,362 |
| Credit loss provision to net charge-offs | 125.0000% | 2,135 |
| Earnings coverage of net charge-offs (x) | 22.0833% | 1,749 |
| Efficiency ratio | 64.1973% | 3,908 |
| Assets per employee ($millions) | 4.4486% | 3,191 |
| Cash dividends to net income (ytd only)* | 19.2132% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 4,295 |
| Loan loss allowance to noncurrent loans | 56.7286% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 1,148 |
| Noncurrent loans to loans | 1.7710% | 1,076 |
| Net loans and leases to total assets | 76.8193% | 1,394 |
| Net loans and leases to deposits | 90.3750% | 1,638 |
| Net loans and leases to core deposits | 92.8036% | 2,228 |
| Total domestic deposits to total assets | 85.0005% | 3,049 |
| Equity capital to assets | 10.6846% | 2,944 |
| Core capital (leverage) ratio | 10.5625% | 2,819 |
| Tier 1 risk-based capital ratio | 13.9474% | 3,492 |
| Total risk-based capital ratio | 14.9689% | 3,541 |
| Memoranda: | ||
| Average total assets | $98,596,200 | 4,372 |
| Average earning assets | $90,748,400 | 4,371 |
| Average equity | $10,082,800 | 4,558 |
| Average total loans | $76,400,600 | 3,890 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,560 |
| Cost of funding earning assets | 0.4771% | 2,299 |
| Net interest margin | 3.7082% | 2,690 |
| Noninterest income to average assets | 0.4454% | 3,590 |
| Noninterest expense to average assets | 2.7887% | 3,048 |
| Loan and lease loss provision to assets | 0.0607% | 3,030 |
| Net operating income to assets | 0.7532% | 3,591 |
| Return on assets (ROA) | 0.7532% | 3,721 |
| Pretax return on assets | 1.0164% | 3,574 |
| Return on Equity (ROE) | 7.4478% | 3,325 |
| Retained earnings to average equity (ytd only) | 5.3790% | 2,565 |
| Net charge-offs to loans | 0.0575% | 2,534 |
| Credit loss provision to net charge-offs | 136.3636% | 1,905 |
| Earnings coverage of net charge-offs (x) | 24.1811% | 1,687 |
| Efficiency ratio | 72.1369% | 2,562 |
| Assets per employee ($millions) | 4.5228% | 3,050 |
| Cash dividends to net income (ytd only)* | 27.7776% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,507 |
| Loan loss allowance to noncurrent loans | 60.6085% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 1,054 |
| Noncurrent loans to loans | 1.6185% | 1,326 |
| Net loans and leases to total assets | 76.7972% | 1,397 |
| Net loans and leases to deposits | 92.6331% | 1,417 |
| Net loans and leases to core deposits | 95.1405% | 2,084 |
| Total domestic deposits to total assets | 82.9047% | 3,634 |
| Equity capital to assets | 10.2220% | 3,887 |
| Core capital (leverage) ratio | 10.0638% | 3,488 |
| Tier 1 risk-based capital ratio | 13.0684% | 4,123 |
| Total risk-based capital ratio | 14.0639% | 4,183 |
| Memoranda: | ||
| Average total assets | $98,777,750 | 4,399 |
| Average earning assets | $91,111,250 | 4,398 |
| Average equity | $9,989,250 | 4,621 |
| Average total loans | $76,514,250 | 3,918 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,634 |
| Cost of funding earning assets | 0.4685% | 2,390 |
| Net interest margin | 3.6929% | 2,719 |
| Noninterest income to average assets | 0.3288% | 4,427 |
| Noninterest expense to average assets | 2.6325% | 3,605 |
| Loan and lease loss provision to assets | 0.0913% | 2,321 |
| Net operating income to assets | 0.7571% | 3,520 |
| Return on assets (ROA) | 0.7571% | 3,668 |
| Pretax return on assets | 1.0128% | 3,535 |
| Return on Equity (ROE) | 7.5136% | 3,256 |
| Retained earnings to average equity (ytd only) | 5.4992% | 2,421 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4508% | 2,911 |
| Assets per employee ($millions) | 4.2212% | 3,520 |
| Cash dividends to net income (ytd only)* | 26.8097% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 4,372 |
| Loan loss allowance to noncurrent loans | 61.9608% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 1,290 |
| Noncurrent loans to loans | 1.6557% | 1,283 |
| Net loans and leases to total assets | 78.5009% | 1,137 |
| Net loans and leases to deposits | 93.8135% | 1,305 |
| Net loans and leases to core deposits | 96.9990% | 1,892 |
| Total domestic deposits to total assets | 83.6777% | 3,393 |
| Equity capital to assets | 10.3782% | 3,759 |
| Core capital (leverage) ratio | 10.0793% | 3,478 |
| Tier 1 risk-based capital ratio | 13.2524% | 4,040 |
| Total risk-based capital ratio | 14.3199% | 4,081 |
| Memoranda: | ||
| Average total assets | $98,536,670 | 4,444 |
| Average earning assets | $90,930,670 | 4,441 |
| Average equity | $9,928,670 | 4,660 |
| Average total loans | $76,295,330 | 3,944 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 2,734 |
| Cost of funding earning assets | 0.4591% | 2,474 |
| Net interest margin | 3.6688% | 2,809 |
| Noninterest income to average assets | 0.3103% | 4,511 |
| Noninterest expense to average assets | 2.5670% | 3,861 |
| Loan and lease loss provision to assets | 0.1813% | 1,115 |
| Net operating income to assets | 0.7374% | 3,551 |
| Return on assets (ROA) | 0.7374% | 3,655 |
| Pretax return on assets | 0.9430% | 3,681 |
| Return on Equity (ROE) | 7.4277% | 3,227 |
| Retained earnings to average equity (ytd only) | 5.3983% | 2,714 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5415% | 3,206 |
| Assets per employee ($millions) | 4.4628% | 3,137 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 4,359 |
| Loan loss allowance to noncurrent loans | 62.7981% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 1,426 |
| Noncurrent loans to loans | 1.6649% | 1,359 |
| Net loans and leases to total assets | 76.1553% | 1,370 |
| Net loans and leases to deposits | 89.6050% | 1,621 |
| Net loans and leases to core deposits | 91.6793% | 2,216 |
| Total domestic deposits to total assets | 84.9900% | 3,138 |
| Equity capital to assets | 10.1180% | 3,925 |
| Core capital (leverage) ratio | 9.7193% | 3,886 |
| Tier 1 risk-based capital ratio | 13.4789% | 3,990 |
| Total risk-based capital ratio | 14.5803% | 4,003 |
| Memoranda: | ||
| Average total assets | $99,261,000 | 4,483 |
| Average earning assets | $91,474,000 | 4,471 |
| Average equity | $9,855,000 | 4,682 |
| Average total loans | $75,940,500 | 3,968 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,971 |
| Cost of funding earning assets | 0.4298% | 2,847 |
| Net interest margin | 3.6566% | 2,913 |
| Noninterest income to average assets | 0.2814% | 4,871 |
| Noninterest expense to average assets | 2.7095% | 3,549 |
| Loan and lease loss provision to assets | 0.1614% | 1,429 |
| Net operating income to assets | 0.6404% | 4,083 |
| Return on assets (ROA) | 0.6404% | 4,172 |
| Pretax return on assets | 0.7728% | 4,283 |
| Return on Equity (ROE) | 6.4648% | 3,801 |
| Retained earnings to average equity (ytd only) | 4.3760% | 2,863 |
| Net charge-offs to loans | 0.0599% | 3,021 |
| Credit loss provision to net charge-offs | 362.7907% | 817 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,843 |
| Efficiency ratio | 74.3612% | 2,523 |
| Assets per employee ($millions) | 4.7781% | 2,636 |
| Cash dividends to net income (ytd only)* | 32.3102% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 4,735 |
| Loan loss allowance to noncurrent loans | 53.1005% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5627% | 1,272 |
| Noncurrent loans to loans | 1.8383% | 1,177 |
| Net loans and leases to total assets | 75.3192% | 1,520 |
| Net loans and leases to deposits | 92.0502% | 1,394 |
| Net loans and leases to core deposits | 94.5374% | 2,000 |
| Total domestic deposits to total assets | 81.8240% | 4,217 |
| Equity capital to assets | 9.7428% | 4,247 |
| Core capital (leverage) ratio | 9.7746% | 3,809 |
| Tier 1 risk-based capital ratio | 13.0133% | 4,301 |
| Total risk-based capital ratio | 14.0299% | 4,363 |
| Memoranda: | ||
| Average total assets | $96,660,800 | 4,523 |
| Average earning assets | $88,881,200 | 4,524 |
| Average equity | $9,575,000 | 4,732 |
| Average total loans | $71,845,400 | 4,048 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,015 |
| Cost of funding earning assets | 0.4260% | 2,951 |
| Net interest margin | 3.6554% | 2,937 |
| Noninterest income to average assets | 0.3384% | 4,520 |
| Noninterest expense to average assets | 2.7239% | 3,483 |
| Loan and lease loss provision to assets | 0.1629% | 1,309 |
| Net operating income to assets | 0.6545% | 4,106 |
| Return on assets (ROA) | 0.6545% | 4,219 |
| Pretax return on assets | 0.8091% | 4,312 |
| Return on Equity (ROE) | 6.5792% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.4795% | 3,277 |
| Net charge-offs to loans | 0.0754% | 2,486 |
| Credit loss provision to net charge-offs | 292.5000% | 986 |
| Earnings coverage of net charge-offs (x) | 17.4506% | 2,054 |
| Efficiency ratio | 73.7001% | 2,611 |
| Assets per employee ($millions) | 4.2121% | 3,494 |
| Cash dividends to net income (ytd only)* | 31.9157% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 4,924 |
| Loan loss allowance to noncurrent loans | 50.6067% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 1,367 |
| Noncurrent loans to loans | 1.9037% | 1,219 |
| Net loans and leases to total assets | 75.2320% | 1,504 |
| Net loans and leases to deposits | 88.0603% | 1,892 |
| Net loans and leases to core deposits | 91.3734% | 2,328 |
| Total domestic deposits to total assets | 85.4323% | 2,813 |
| Equity capital to assets | 9.9908% | 4,163 |
| Core capital (leverage) ratio | 9.8599% | 3,820 |
| Tier 1 risk-based capital ratio | 13.2938% | 4,259 |
| Total risk-based capital ratio | 14.2926% | 4,323 |
| Memoranda: | ||
| Average total assets | $95,740,750 | 4,598 |
| Average earning assets | $87,942,000 | 4,591 |
| Average equity | $9,524,750 | 4,805 |
| Average total loans | $70,726,500 | 4,116 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,101 |
| Cost of funding earning assets | 0.4205% | 3,036 |
| Net interest margin | 3.6245% | 3,000 |
| Noninterest income to average assets | 0.3335% | 4,571 |
| Noninterest expense to average assets | 2.7600% | 3,380 |
| Loan and lease loss provision to assets | 0.1636% | 1,286 |
| Net operating income to assets | 0.6040% | 4,328 |
| Return on assets (ROA) | 0.6040% | 4,432 |
| Pretax return on assets | 0.7361% | 4,540 |
| Return on Equity (ROE) | 6.0802% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.9690% | 3,485 |
| Net charge-offs to loans | 0.0889% | 2,143 |
| Credit loss provision to net charge-offs | 251.6129% | 1,045 |
| Earnings coverage of net charge-offs (x) | 13.8387% | 2,099 |
| Efficiency ratio | 75.4155% | 2,471 |
| Assets per employee ($millions) | 3.9045% | 4,064 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 5,022 |
| Loan loss allowance to noncurrent loans | 50.4458% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 1,493 |
| Noncurrent loans to loans | 1.9158% | 1,299 |
| Net loans and leases to total assets | 74.2498% | 1,622 |
| Net loans and leases to deposits | 87.1850% | 1,919 |
| Net loans and leases to core deposits | 89.6000% | 2,384 |
| Total domestic deposits to total assets | 85.1635% | 3,055 |
| Equity capital to assets | 10.1496% | 3,866 |
| Core capital (leverage) ratio | 9.8596% | 3,789 |
| Tier 1 risk-based capital ratio | 13.7981% | 4,033 |
| Total risk-based capital ratio | 14.8049% | 4,115 |
| Memoranda: | ||
| Average total assets | $95,361,330 | 4,650 |
| Average earning assets | $87,514,330 | 4,642 |
| Average equity | $9,473,330 | 4,845 |
| Average total loans | $69,771,000 | 4,167 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 2,915 |
| Cost of funding earning assets | 0.4134% | 3,153 |
| Net interest margin | 3.6663% | 2,749 |
| Noninterest income to average assets | 0.3119% | 4,697 |
| Noninterest expense to average assets | 2.6531% | 3,738 |
| Loan and lease loss provision to assets | 0.1622% | 1,242 |
| Net operating income to assets | 0.6945% | 3,828 |
| Return on assets (ROA) | 0.6945% | 3,954 |
| Pretax return on assets | 0.8525% | 4,047 |
| Return on Equity (ROE) | 7.0654% | 3,472 |
| Retained earnings to average equity (ytd only) | 4.9500% | 3,081 |
| Net charge-offs to loans | 0.1323% | 1,453 |
| Credit loss provision to net charge-offs | 169.5652% | 1,163 |
| Earnings coverage of net charge-offs (x) | 10.6087% | 1,921 |
| Efficiency ratio | 72.3356% | 3,113 |
| Assets per employee ($millions) | 4.0885% | 3,780 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 5,315 |
| Loan loss allowance to noncurrent loans | 395.1220% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 4,442 |
| Noncurrent loans to loans | 0.2367% | 4,929 |
| Net loans and leases to total assets | 69.9605% | 2,146 |
| Net loans and leases to deposits | 81.0092% | 2,449 |
| Net loans and leases to core deposits | 84.6451% | 2,697 |
| Total domestic deposits to total assets | 86.3611% | 2,732 |
| Equity capital to assets | 9.7305% | 4,460 |
| Core capital (leverage) ratio | 9.6013% | 4,150 |
| Tier 1 risk-based capital ratio | 13.6881% | 4,231 |
| Total risk-based capital ratio | 14.6487% | 4,290 |
| Memoranda: | ||
| Average total assets | $96,188,000 | 4,663 |
| Average earning assets | $88,044,500 | 4,672 |
| Average equity | $9,454,500 | 4,884 |
| Average total loans | $69,528,000 | 4,190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,379 |
| Cost of funding earning assets | 0.4601% | 3,072 |
| Net interest margin | 3.6263% | 3,309 |
| Noninterest income to average assets | 0.3441% | 4,640 |
| Noninterest expense to average assets | 2.7764% | 3,575 |
| Loan and lease loss provision to assets | 0.1307% | 2,007 |
| Net operating income to assets | 0.6612% | 4,083 |
| Return on assets (ROA) | 0.7502% | 3,729 |
| Pretax return on assets | 0.8699% | 3,998 |
| Return on Equity (ROE) | 7.5620% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.3669% | 2,357 |
| Net charge-offs to loans | 0.2219% | 1,895 |
| Credit loss provision to net charge-offs | 85.1064% | 2,757 |
| Earnings coverage of net charge-offs (x) | 5.8440% | 3,341 |
| Efficiency ratio | 75.5779% | 2,580 |
| Assets per employee ($millions) | 4.2842% | 3,388 |
| Cash dividends to net income (ytd only)* | 29.0276% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 5,461 |
| Loan loss allowance to noncurrent loans | 122.9572% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 3,409 |
| Noncurrent loans to loans | 0.7368% | 3,480 |
| Net loans and leases to total assets | 73.3438% | 1,699 |
| Net loans and leases to deposits | 89.2792% | 1,585 |
| Net loans and leases to core deposits | 91.8217% | 2,109 |
| Total domestic deposits to total assets | 82.1510% | 4,364 |
| Equity capital to assets | 9.9319% | 4,200 |
| Core capital (leverage) ratio | 9.7003% | 3,969 |
| Tier 1 risk-based capital ratio | 13.4978% | 4,413 |
| Total risk-based capital ratio | 14.4336% | 4,528 |
| Memoranda: | ||
| Average total assets | $91,846,000 | 4,790 |
| Average earning assets | $84,329,000 | 4,780 |
| Average equity | $9,111,400 | 4,951 |
| Average total loans | $63,542,600 | 4,377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,477 |
| Cost of funding earning assets | 0.4626% | 3,127 |
| Net interest margin | 3.6100% | 3,386 |
| Noninterest income to average assets | 0.3375% | 4,736 |
| Noninterest expense to average assets | 2.7384% | 3,683 |
| Loan and lease loss provision to assets | 0.1315% | 1,908 |
| Net operating income to assets | 0.6958% | 3,960 |
| Return on assets (ROA) | 0.7219% | 3,932 |
| Pretax return on assets | 0.8154% | 4,313 |
| Return on Equity (ROE) | 7.2787% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.0686% | 3,040 |
| Net charge-offs to loans | 0.2904% | 1,356 |
| Credit loss provision to net charge-offs | 66.6667% | 2,820 |
| Earnings coverage of net charge-offs (x) | 4.6517% | 3,407 |
| Efficiency ratio | 74.9001% | 2,677 |
| Assets per employee ($millions) | 4.0867% | 3,695 |
| Cash dividends to net income (ytd only)* | 30.3651% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 5,516 |
| Loan loss allowance to noncurrent loans | 162.5668% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 4,128 |
| Noncurrent loans to loans | 0.5682% | 4,220 |
| Net loans and leases to total assets | 69.3796% | 2,294 |
| Net loans and leases to deposits | 81.9916% | 2,427 |
| Net loans and leases to core deposits | 83.4148% | 2,951 |
| Total domestic deposits to total assets | 84.6180% | 3,492 |
| Equity capital to assets | 9.8869% | 4,313 |
| Core capital (leverage) ratio | 9.5851% | 4,269 |
| Tier 1 risk-based capital ratio | 13.9409% | 4,259 |
| Total risk-based capital ratio | 14.8858% | 4,392 |
| Memoranda: | ||
| Average total assets | $91,244,500 | 4,859 |
| Average earning assets | $83,875,500 | 4,837 |
| Average equity | $9,049,000 | 4,998 |
| Average total loans | $61,988,250 | 4,465 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,713 |
| Cost of funding earning assets | 0.4605% | 3,209 |
| Net interest margin | 3.5439% | 3,598 |
| Noninterest income to average assets | 0.3343% | 4,750 |
| Noninterest expense to average assets | 2.7367% | 3,742 |
| Loan and lease loss provision to assets | 0.1328% | 1,866 |
| Net operating income to assets | 0.6620% | 4,035 |
| Return on assets (ROA) | 0.6620% | 4,132 |
| Pretax return on assets | 0.7196% | 4,576 |
| Return on Equity (ROE) | 6.6684% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.4382% | 3,349 |
| Net charge-offs to loans | 0.3294% | 1,242 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.8500% | 3,208 |
| Efficiency ratio | 76.2492% | 2,578 |
| Assets per employee ($millions) | 4.2001% | 3,460 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 5,432 |
| Loan loss allowance to noncurrent loans | 174.1477% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 4,312 |
| Noncurrent loans to loans | 0.5630% | 4,329 |
| Net loans and leases to total assets | 67.0043% | 2,575 |
| Net loans and leases to deposits | 77.5972% | 2,851 |
| Net loans and leases to core deposits | 81.4047% | 3,048 |
| Total domestic deposits to total assets | 86.3489% | 2,848 |
| Equity capital to assets | 9.9239% | 4,213 |
| Core capital (leverage) ratio | 9.7114% | 4,021 |
| Tier 1 risk-based capital ratio | 14.3086% | 4,058 |
| Total risk-based capital ratio | 15.3024% | 4,154 |
| Memoranda: | ||
| Average total assets | $90,328,330 | 4,923 |
| Average earning assets | $82,958,330 | 4,903 |
| Average equity | $8,967,670 | 5,036 |
| Average total loans | $60,711,000 | 4,526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,887 |
| Cost of funding earning assets | 0.4695% | 3,231 |
| Net interest margin | 3.4821% | 3,775 |
| Noninterest income to average assets | 0.3315% | 4,721 |
| Noninterest expense to average assets | 2.6430% | 4,137 |
| Loan and lease loss provision to assets | 0.1344% | 1,804 |
| Net operating income to assets | 0.7302% | 3,543 |
| Return on assets (ROA) | 0.7302% | 3,621 |
| Pretax return on assets | 0.7436% | 4,336 |
| Return on Equity (ROE) | 7.3535% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.0978% | 3,065 |
| Net charge-offs to loans | 0.0067% | 3,521 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 247 |
| Efficiency ratio | 75.0636% | 2,959 |
| Assets per employee ($millions) | 4.0946% | 3,725 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 4,950 |
| Loan loss allowance to noncurrent loans | 145.1064% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 3,994 |
| Noncurrent loans to loans | 0.7828% | 3,906 |
| Net loans and leases to total assets | 65.8911% | 2,584 |
| Net loans and leases to deposits | 76.1951% | 2,793 |
| Net loans and leases to core deposits | 78.3381% | 3,166 |
| Total domestic deposits to total assets | 86.4768% | 3,124 |
| Equity capital to assets | 9.9509% | 3,903 |
| Core capital (leverage) ratio | 9.7242% | 3,963 |
| Tier 1 risk-based capital ratio | 14.6227% | 3,935 |
| Total risk-based capital ratio | 15.7638% | 3,955 |
| Memoranda: | ||
| Average total assets | $89,291,000 | 4,989 |
| Average earning assets | $81,789,000 | 4,983 |
| Average equity | $8,866,500 | 5,088 |
| Average total loans | $59,803,000 | 4,597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 3,927 |
| Cost of funding earning assets | 0.4842% | 3,770 |
| Net interest margin | 3.5639% | 3,626 |
| Noninterest income to average assets | 0.3447% | 4,853 |
| Noninterest expense to average assets | 2.6653% | 4,227 |
| Loan and lease loss provision to assets | 0.1322% | 2,659 |
| Net operating income to assets | 0.7562% | 3,511 |
| Return on assets (ROA) | 0.8326% | 3,206 |
| Pretax return on assets | 0.9406% | 3,592 |
| Return on Equity (ROE) | 8.5650% | 2,747 |
| Retained earnings to average equity (ytd only) | 6.0726% | 1,927 |
| Net charge-offs to loans | 0.0718% | 4,201 |
| Credit loss provision to net charge-offs | 292.6829% | 775 |
| Earnings coverage of net charge-offs (x) | 21.8537% | 1,476 |
| Efficiency ratio | 72.9795% | 3,290 |
| Assets per employee ($millions) | 4.2143% | 3,419 |
| Cash dividends to net income (ytd only)* | 29.1005% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,168 |
| Loan loss allowance to noncurrent loans | 250.1916% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 4,784 |
| Noncurrent loans to loans | 0.4382% | 4,909 |
| Net loans and leases to total assets | 66.5706% | 2,599 |
| Net loans and leases to deposits | 78.9936% | 2,592 |
| Net loans and leases to core deposits | 81.3148% | 2,975 |
| Total domestic deposits to total assets | 84.2734% | 4,061 |
| Equity capital to assets | 9.9085% | 3,891 |
| Core capital (leverage) ratio | 9.4935% | 4,285 |
| Tier 1 risk-based capital ratio | 14.6468% | 3,871 |
| Total risk-based capital ratio | 15.7553% | 3,887 |
| Memoranda: | ||
| Average total assets | $90,797,000 | 4,959 |
| Average earning assets | $84,261,800 | 4,927 |
| Average equity | $8,826,600 | 5,132 |
| Average total loans | $57,137,400 | 4,711 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 4,157 |
| Cost of funding earning assets | 0.4859% | 3,904 |
| Net interest margin | 3.5061% | 3,857 |
| Noninterest income to average assets | 0.3444% | 4,936 |
| Noninterest expense to average assets | 2.6426% | 4,236 |
| Loan and lease loss provision to assets | 0.1313% | 2,643 |
| Net operating income to assets | 0.7723% | 3,496 |
| Return on assets (ROA) | 0.7778% | 3,599 |
| Pretax return on assets | 0.8405% | 4,138 |
| Return on Equity (ROE) | 8.0381% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.5497% | 2,695 |
| Net charge-offs to loans | 0.1014% | 3,531 |
| Credit loss provision to net charge-offs | 209.3023% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.3958% | 1,869 |
| Efficiency ratio | 73.2309% | 3,184 |
| Assets per employee ($millions) | 4.3795% | 3,084 |
| Cash dividends to net income (ytd only)* | 30.9562% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 5,489 |
| Loan loss allowance to noncurrent loans | 713.7931% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 5,583 |
| Noncurrent loans to loans | 0.1483% | 5,877 |
| Net loans and leases to total assets | 63.0973% | 3,149 |
| Net loans and leases to deposits | 74.5762% | 3,147 |
| Net loans and leases to core deposits | 76.4559% | 3,569 |
| Total domestic deposits to total assets | 84.6079% | 3,926 |
| Equity capital to assets | 9.3934% | 4,683 |
| Core capital (leverage) ratio | 9.3084% | 4,682 |
| Tier 1 risk-based capital ratio | 14.3663% | 4,170 |
| Total risk-based capital ratio | 15.4209% | 4,253 |
| Memoranda: | ||
| Average total assets | $91,371,250 | 4,993 |
| Average earning assets | $85,068,000 | 4,953 |
| Average equity | $8,841,000 | 5,182 |
| Average total loans | $56,529,750 | 4,777 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 4,294 |
| Cost of funding earning assets | 0.4866% | 4,020 |
| Net interest margin | 3.4629% | 3,950 |
| Noninterest income to average assets | 0.3247% | 5,105 |
| Noninterest expense to average assets | 2.6455% | 4,234 |
| Loan and lease loss provision to assets | 0.1316% | 2,673 |
| Net operating income to assets | 0.7310% | 3,668 |
| Return on assets (ROA) | 0.7393% | 3,778 |
| Pretax return on assets | 0.7875% | 4,355 |
| Return on Equity (ROE) | 7.5660% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.0964% | 2,989 |
| Net charge-offs to loans | 0.1505% | 2,899 |
| Credit loss provision to net charge-offs | 142.8571% | 1,591 |
| Earnings coverage of net charge-offs (x) | 9.8810% | 2,223 |
| Efficiency ratio | 74.3985% | 3,052 |
| Assets per employee ($millions) | 4.3168% | 3,146 |
| Cash dividends to net income (ytd only)* | 32.6409% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,609 |
| Loan loss allowance to noncurrent loans | 553.2710% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 5,541 |
| Noncurrent loans to loans | 0.1906% | 5,838 |
| Net loans and leases to total assets | 61.2706% | 3,430 |
| Net loans and leases to deposits | 69.6621% | 3,762 |
| Net loans and leases to core deposits | 71.3728% | 4,125 |
| Total domestic deposits to total assets | 87.9539% | 2,279 |
| Equity capital to assets | 9.4835% | 4,603 |
| Core capital (leverage) ratio | 9.0689% | 4,880 |
| Tier 1 risk-based capital ratio | 14.6686% | 3,988 |
| Total risk-based capital ratio | 15.7126% | 4,084 |
| Memoranda: | ||
| Average total assets | $91,172,000 | 5,032 |
| Average earning assets | $85,072,330 | 4,980 |
| Average equity | $8,908,330 | 5,193 |
| Average total loans | $55,822,670 | 4,824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,486 |
| Cost of funding earning assets | 0.4869% | 4,210 |
| Net interest margin | 3.4086% | 4,085 |
| Noninterest income to average assets | 0.2931% | 5,363 |
| Noninterest expense to average assets | 2.5637% | 4,517 |
| Loan and lease loss provision to assets | 0.1312% | 2,601 |
| Net operating income to assets | 0.7402% | 3,472 |
| Return on assets (ROA) | 0.7568% | 3,536 |
| Pretax return on assets | 0.8006% | 4,165 |
| Return on Equity (ROE) | 7.6346% | 3,141 |
| Retained earnings to average equity (ytd only) | 5.2074% | 3,107 |
| Net charge-offs to loans | 0.3234% | 1,667 |
| Credit loss provision to net charge-offs | 66.6667% | 2,337 |
| Earnings coverage of net charge-offs (x) | 4.6444% | 2,509 |
| Efficiency ratio | 73.7107% | 3,312 |
| Assets per employee ($millions) | 4.5857% | 2,822 |
| Cash dividends to net income (ytd only)* | 31.7919% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 5,962 |
| Loan loss allowance to noncurrent loans | 174.6875% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 5,046 |
| Noncurrent loans to loans | 0.5763% | 5,003 |
| Net loans and leases to total assets | 59.9392% | 3,437 |
| Net loans and leases to deposits | 68.6721% | 3,682 |
| Net loans and leases to core deposits | 70.3489% | 4,029 |
| Total domestic deposits to total assets | 87.2832% | 2,769 |
| Equity capital to assets | 9.8732% | 4,314 |
| Core capital (leverage) ratio | 9.0309% | 4,834 |
| Tier 1 risk-based capital ratio | 14.8142% | 3,957 |
| Total risk-based capital ratio | 15.8230% | 4,088 |
| Memoranda: | ||
| Average total assets | $91,432,000 | 5,067 |
| Average earning assets | $85,432,000 | 5,000 |
| Average equity | $9,064,000 | 5,211 |
| Average total loans | $55,666,500 | 4,867 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 4,918 |
| Cost of funding earning assets | 0.5897% | 4,448 |
| Net interest margin | 3.5189% | 4,425 |
| Noninterest income to average assets | 0.3509% | 4,958 |
| Noninterest expense to average assets | 2.5284% | 4,996 |
| Loan and lease loss provision to assets | 0.1367% | 3,916 |
| Net operating income to assets | 0.8654% | 2,982 |
| Return on assets (ROA) | 0.8694% | 3,200 |
| Pretax return on assets | 0.9947% | 3,563 |
| Return on Equity (ROE) | 8.8304% | 2,718 |
| Retained earnings to average equity (ytd only) | 6.2843% | 1,926 |
| Net charge-offs to loans | 0.0442% | 5,296 |
| Credit loss provision to net charge-offs | 521.7391% | 464 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 754 |
| Efficiency ratio | 69.1708% | 3,945 |
| Assets per employee ($millions) | 4.5576% | 2,868 |
| Cash dividends to net income (ytd only)* | 28.8336% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 5,865 |
| Loan loss allowance to noncurrent loans | 536.4486% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 6,282 |
| Noncurrent loans to loans | 0.1917% | 5,986 |
| Net loans and leases to total assets | 60.5896% | 3,497 |
| Net loans and leases to deposits | 71.2371% | 3,533 |
| Net loans and leases to core deposits | 72.7862% | 3,939 |
| Total domestic deposits to total assets | 85.0534% | 3,840 |
| Equity capital to assets | 9.9538% | 4,230 |
| Core capital (leverage) ratio | 8.8918% | 5,053 |
| Tier 1 risk-based capital ratio | 14.5908% | 3,966 |
| Total risk-based capital ratio | 15.6260% | 4,067 |
| Memoranda: | ||
| Average total assets | $87,762,600 | 5,143 |
| Average earning assets | $82,413,000 | 5,057 |
| Average equity | $8,640,600 | 5,322 |
| Average total loans | $52,058,600 | 5,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 5,212 |
| Cost of funding earning assets | 0.6146% | 4,501 |
| Net interest margin | 3.4792% | 4,716 |
| Noninterest income to average assets | 0.3482% | 5,032 |
| Noninterest expense to average assets | 2.5020% | 5,078 |
| Loan and lease loss provision to assets | 0.1381% | 3,821 |
| Net operating income to assets | 0.8680% | 3,142 |
| Return on assets (ROA) | 0.8775% | 3,336 |
| Pretax return on assets | 0.9925% | 3,744 |
| Return on Equity (ROE) | 8.9382% | 2,833 |
| Retained earnings to average equity (ytd only) | 6.3598% | 2,451 |
| Net charge-offs to loans | 0.0626% | 4,798 |
| Credit loss provision to net charge-offs | 375.0000% | 720 |
| Earnings coverage of net charge-offs (x) | 30.4159% | 1,084 |
| Efficiency ratio | 69.0809% | 3,866 |
| Assets per employee ($millions) | 4.5415% | 2,843 |
| Cash dividends to net income (ytd only)* | 28.8455% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 6,140 |
| Loan loss allowance to noncurrent loans | 493.6364% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 6,416 |
| Noncurrent loans to loans | 0.1996% | 6,109 |
| Net loans and leases to total assets | 60.0755% | 3,768 |
| Net loans and leases to deposits | 69.7614% | 3,926 |
| Net loans and leases to core deposits | 71.5479% | 4,312 |
| Total domestic deposits to total assets | 86.1157% | 3,186 |
| Equity capital to assets | 9.8151% | 4,761 |
| Core capital (leverage) ratio | 8.8684% | 5,241 |
| Tier 1 risk-based capital ratio | 14.5252% | 4,171 |
| Total risk-based capital ratio | 15.5168% | 4,310 |
| Memoranda: | ||
| Average total assets | $86,915,500 | 5,214 |
| Average earning assets | $81,778,750 | 5,119 |
| Average equity | $8,532,500 | 5,409 |
| Average total loans | $51,122,750 | 5,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 5,331 |
| Cost of funding earning assets | 0.6494% | 4,447 |
| Net interest margin | 3.4460% | 4,897 |
| Noninterest income to average assets | 0.3411% | 5,103 |
| Noninterest expense to average assets | 2.5441% | 4,983 |
| Loan and lease loss provision to assets | 0.1402% | 3,765 |
| Net operating income to assets | 0.8029% | 3,387 |
| Return on assets (ROA) | 0.8177% | 3,574 |
| Pretax return on assets | 0.9088% | 4,041 |
| Return on Equity (ROE) | 8.3284% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.7109% | 2,873 |
| Net charge-offs to loans | 0.0040% | 5,451 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 91 |
| Efficiency ratio | 71.1300% | 3,578 |
| Assets per employee ($millions) | 4.9531% | 2,233 |
| Cash dividends to net income (ytd only)* | 31.4286% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 6,022 |
| Loan loss allowance to noncurrent loans | 276.2887% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,147 |
| Noncurrent loans to loans | 0.3742% | 5,792 |
| Net loans and leases to total assets | 57.5503% | 4,242 |
| Net loans and leases to deposits | 65.9295% | 4,514 |
| Net loans and leases to core deposits | 67.3576% | 4,860 |
| Total domestic deposits to total assets | 87.2907% | 2,602 |
| Equity capital to assets | 9.6730% | 4,789 |
| Core capital (leverage) ratio | 8.8990% | 5,049 |
| Tier 1 risk-based capital ratio | 15.0478% | 3,742 |
| Total risk-based capital ratio | 16.0835% | 3,830 |
| Memoranda: | ||
| Average total assets | $85,611,000 | 5,286 |
| Average earning assets | $80,383,670 | 5,196 |
| Average equity | $8,405,000 | 5,446 |
| Average total loans | $49,794,000 | 5,210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 5,244 |
| Cost of funding earning assets | 0.6917% | 4,353 |
| Net interest margin | 3.4686% | 4,830 |
| Noninterest income to average assets | 0.3865% | 4,774 |
| Noninterest expense to average assets | 2.4953% | 5,165 |
| Loan and lease loss provision to assets | 0.1431% | 3,567 |
| Net operating income to assets | 0.9078% | 2,878 |
| Return on assets (ROA) | 0.9208% | 3,031 |
| Pretax return on assets | 1.0162% | 3,624 |
| Return on Equity (ROE) | 9.3063% | 2,677 |
| Retained earnings to average equity (ytd only) | 6.6542% | 2,603 |
| Net charge-offs to loans | -0.1722% | 6,952 |
| Credit loss provision to net charge-offs | -142.8571% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5452% | 4,061 |
| Assets per employee ($millions) | 4.7778% | 2,548 |
| Cash dividends to net income (ytd only)* | 28.4974% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,947 |
| Loan loss allowance to noncurrent loans | 306.9767% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 6,170 |
| Noncurrent loans to loans | 0.3533% | 5,967 |
| Net loans and leases to total assets | 55.9970% | 4,387 |
| Net loans and leases to deposits | 64.1987% | 4,607 |
| Net loans and leases to core deposits | 66.0042% | 4,907 |
| Total domestic deposits to total assets | 87.2246% | 2,814 |
| Equity capital to assets | 9.7290% | 4,480 |
| Core capital (leverage) ratio | 9.2337% | 4,466 |
| Tier 1 risk-based capital ratio | 15.8774% | 3,232 |
| Total risk-based capital ratio | 16.9683% | 3,299 |
| Memoranda: | ||
| Average total assets | $83,839,000 | 5,369 |
| Average earning assets | $78,648,500 | 5,278 |
| Average equity | $8,295,500 | 5,501 |
| Average total loans | $48,768,500 | 5,275 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 4,941 |
| Cost of funding earning assets | 0.8518% | 4,465 |
| Net interest margin | 3.6814% | 4,381 |
| Noninterest income to average assets | 0.3881% | 4,724 |
| Noninterest expense to average assets | 2.5050% | 5,451 |
| Loan and lease loss provision to assets | 0.1352% | 4,925 |
| Net operating income to assets | 1.0219% | 2,119 |
| Return on assets (ROA) | 1.0240% | 2,258 |
| Pretax return on assets | 1.2130% | 2,408 |
| Return on Equity (ROE) | 10.8589% | 1,743 |
| Retained earnings to average equity (ytd only) | 7.9384% | 1,101 |
| Net charge-offs to loans | 0.4645% | 3,128 |
| Credit loss provision to net charge-offs | 48.6486% | 5,455 |
| Earnings coverage of net charge-offs (x) | 4.8423% | 2,961 |
| Efficiency ratio | 65.0520% | 4,942 |
| Assets per employee ($millions) | 4.5376% | 2,850 |
| Cash dividends to net income (ytd only)* | 26.8949% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,315 |
| Loan loss allowance to noncurrent loans | 267.9775% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 6,202 |
| Noncurrent loans to loans | 0.3644% | 5,991 |
| Net loans and leases to total assets | 59.2260% | 4,143 |
| Net loans and leases to deposits | 68.9904% | 4,276 |
| Net loans and leases to core deposits | 71.0640% | 4,642 |
| Total domestic deposits to total assets | 85.8467% | 3,403 |
| Equity capital to assets | 10.0689% | 4,077 |
| Core capital (leverage) ratio | 9.1297% | 4,576 |
| Tier 1 risk-based capital ratio | 15.8966% | 3,095 |
| Total risk-based capital ratio | 16.9011% | 3,196 |
| Memoranda: | ||
| Average total assets | $79,881,800 | 5,460 |
| Average earning assets | $75,135,400 | 5,370 |
| Average equity | $7,533,000 | 5,705 |
| Average total loans | $47,790,400 | 5,356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 5,006 |
| Cost of funding earning assets | 0.8743% | 4,601 |
| Net interest margin | 3.6935% | 4,367 |
| Noninterest income to average assets | 0.3861% | 4,764 |
| Noninterest expense to average assets | 2.5010% | 5,460 |
| Loan and lease loss provision to assets | 0.1410% | 4,676 |
| Net operating income to assets | 1.0278% | 2,223 |
| Return on assets (ROA) | 1.0306% | 2,372 |
| Pretax return on assets | 1.2220% | 2,553 |
| Return on Equity (ROE) | 11.1226% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.1336% | 1,457 |
| Net charge-offs to loans | 0.2216% | 4,049 |
| Credit loss provision to net charge-offs | 106.3291% | 3,114 |
| Earnings coverage of net charge-offs (x) | 10.2532% | 1,948 |
| Efficiency ratio | 64.7826% | 4,937 |
| Assets per employee ($millions) | 4.8368% | 2,419 |
| Cash dividends to net income (ytd only)* | 26.8723% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 5,398 |
| Loan loss allowance to noncurrent loans | 186.8339% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 5,883 |
| Noncurrent loans to loans | 0.6518% | 5,582 |
| Net loans and leases to total assets | 58.7936% | 4,358 |
| Net loans and leases to deposits | 67.7576% | 4,654 |
| Net loans and leases to core deposits | 69.5033% | 5,007 |
| Total domestic deposits to total assets | 86.7704% | 2,786 |
| Equity capital to assets | 9.9532% | 4,402 |
| Core capital (leverage) ratio | 9.0635% | 4,832 |
| Tier 1 risk-based capital ratio | 15.4336% | 3,421 |
| Total risk-based capital ratio | 16.6767% | 3,398 |
| Memoranda: | ||
| Average total assets | $79,433,000 | 5,520 |
| Average earning assets | $74,724,750 | 5,427 |
| Average equity | $7,360,250 | 5,795 |
| Average total loans | $47,525,250 | 5,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 5,050 |
| Cost of funding earning assets | 0.9042% | 4,626 |
| Net interest margin | 3.6765% | 4,374 |
| Noninterest income to average assets | 0.3694% | 4,923 |
| Noninterest expense to average assets | 2.5120% | 5,485 |
| Loan and lease loss provision to assets | 0.1605% | 4,315 |
| Net operating income to assets | 0.9856% | 2,281 |
| Return on assets (ROA) | 0.9834% | 2,394 |
| Pretax return on assets | 1.1541% | 2,658 |
| Return on Equity (ROE) | 10.8952% | 1,832 |
| Retained earnings to average equity (ytd only) | 7.7904% | 1,535 |
| Net charge-offs to loans | 0.2125% | 3,865 |
| Credit loss provision to net charge-offs | 126.0000% | 2,425 |
| Earnings coverage of net charge-offs (x) | 10.3400% | 1,821 |
| Efficiency ratio | 65.6021% | 4,952 |
| Assets per employee ($millions) | 4.4554% | 2,919 |
| Cash dividends to net income (ytd only)* | 28.4974% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 5,194 |
| Loan loss allowance to noncurrent loans | 126.8908% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 5,670 |
| Noncurrent loans to loans | 1.0013% | 4,996 |
| Net loans and leases to total assets | 58.5239% | 4,539 |
| Net loans and leases to deposits | 66.6975% | 4,899 |
| Net loans and leases to core deposits | 68.4333% | 5,249 |
| Total domestic deposits to total assets | 87.7453% | 2,317 |
| Equity capital to assets | 9.2371% | 5,225 |
| Core capital (leverage) ratio | 8.9578% | 4,793 |
| Tier 1 risk-based capital ratio | 15.4858% | 3,249 |
| Total risk-based capital ratio | 16.7374% | 3,198 |
| Memoranda: | ||
| Average total assets | $78,502,330 | 5,586 |
| Average earning assets | $73,874,670 | 5,499 |
| Average equity | $7,085,670 | 5,899 |
| Average total loans | $47,054,000 | 5,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 5,254 |
| Cost of funding earning assets | 0.9476% | 4,586 |
| Net interest margin | 3.5769% | 4,673 |
| Noninterest income to average assets | 0.3297% | 5,273 |
| Noninterest expense to average assets | 2.5961% | 5,242 |
| Loan and lease loss provision to assets | 0.1082% | 4,660 |
| Net operating income to assets | 0.8757% | 2,680 |
| Return on assets (ROA) | 0.8757% | 2,735 |
| Pretax return on assets | 0.9890% | 3,163 |
| Return on Equity (ROE) | 9.8202% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.6431% | 2,307 |
| Net charge-offs to loans | 0.6067% | 1,982 |
| Credit loss provision to net charge-offs | 29.5775% | 4,129 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,881 |
| Efficiency ratio | 70.2929% | 4,195 |
| Assets per employee ($millions) | 4.7132% | 2,550 |
| Cash dividends to net income (ytd only)* | 32.3529% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 5,795 |
| Loan loss allowance to noncurrent loans | 105.6641% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 5,552 |
| Noncurrent loans to loans | 1.0989% | 4,863 |
| Net loans and leases to total assets | 57.4764% | 4,725 |
| Net loans and leases to deposits | 65.4339% | 5,057 |
| Net loans and leases to core deposits | 67.1307% | 5,394 |
| Total domestic deposits to total assets | 87.8390% | 2,467 |
| Equity capital to assets | 8.7189% | 5,631 |
| Core capital (leverage) ratio | 8.9897% | 4,628 |
| Tier 1 risk-based capital ratio | 15.2394% | 3,294 |
| Total risk-based capital ratio | 16.4064% | 3,299 |
| Memoranda: | ||
| Average total assets | $77,654,500 | 5,653 |
| Average earning assets | $73,025,000 | 5,570 |
| Average equity | $6,924,500 | 5,950 |
| Average total loans | $46,811,500 | 5,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 5,236 |
| Cost of funding earning assets | 1.3782% | 3,405 |
| Net interest margin | 3.4701% | 5,360 |
| Noninterest income to average assets | 0.3768% | 5,085 |
| Noninterest expense to average assets | 2.5477% | 5,622 |
| Loan and lease loss provision to assets | 0.3129% | 4,296 |
| Net operating income to assets | 0.6828% | 3,291 |
| Return on assets (ROA) | 0.7155% | 3,299 |
| Pretax return on assets | 0.7998% | 3,633 |
| Return on Equity (ROE) | 7.5954% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.9962% | 2,410 |
| Net charge-offs to loans | 0.0543% | 6,246 |
| Credit loss provision to net charge-offs | 920.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 31.6400% | 700 |
| Efficiency ratio | 70.3078% | 4,114 |
| Assets per employee ($millions) | 4.4226% | 2,985 |
| Cash dividends to net income (ytd only)* | 34.2205% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 5,215 |
| Loan loss allowance to noncurrent loans | 107.0652% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7781% | 5,458 |
| Noncurrent loans to loans | 1.1737% | 4,759 |
| Net loans and leases to total assets | 61.7658% | 4,330 |
| Net loans and leases to deposits | 71.5686% | 4,591 |
| Net loans and leases to core deposits | 72.9790% | 5,103 |
| Total domestic deposits to total assets | 86.3029% | 3,196 |
| Equity capital to assets | 9.1283% | 4,948 |
| Core capital (leverage) ratio | 9.0619% | 4,435 |
| Tier 1 risk-based capital ratio | 15.1697% | 3,162 |
| Total risk-based capital ratio | 16.4204% | 3,104 |
| Memoranda: | ||
| Average total assets | $73,517,400 | 5,775 |
| Average earning assets | $68,787,800 | 5,706 |
| Average equity | $6,925,200 | 6,055 |
| Average total loans | $46,018,800 | 5,644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 5,359 |
| Cost of funding earning assets | 1.4611% | 3,216 |
| Net interest margin | 3.4196% | 5,604 |
| Noninterest income to average assets | 0.3721% | 5,176 |
| Noninterest expense to average assets | 2.5881% | 5,369 |
| Loan and lease loss provision to assets | 0.4286% | 3,338 |
| Net operating income to assets | 0.5337% | 4,172 |
| Return on assets (ROA) | 0.5691% | 4,178 |
| Pretax return on assets | 0.5891% | 4,634 |
| Return on Equity (ROE) | 5.9934% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.4001% | 4,055 |
| Net charge-offs to loans | 0.0379% | 6,180 |
| Credit loss provision to net charge-offs | 1,807.6923% | 174 |
| Earnings coverage of net charge-offs (x) | 41.3918% | 665 |
| Efficiency ratio | 72.5089% | 3,607 |
| Assets per employee ($millions) | 4.4380% | 3,013 |
| Cash dividends to net income (ytd only)* | 43.2703% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,883 |
| Loan loss allowance to noncurrent loans | 127.4633% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,867 |
| Noncurrent loans to loans | 1.0305% | 5,182 |
| Net loans and leases to total assets | 60.5493% | 4,807 |
| Net loans and leases to deposits | 72.3916% | 4,776 |
| Net loans and leases to core deposits | 74.7966% | 5,191 |
| Total domestic deposits to total assets | 83.6413% | 4,299 |
| Equity capital to assets | 9.6016% | 4,692 |
| Core capital (leverage) ratio | 9.0505% | 4,601 |
| Tier 1 risk-based capital ratio | 15.0438% | 3,233 |
| Total risk-based capital ratio | 16.3150% | 3,210 |
| Memoranda: | ||
| Average total assets | $73,100,750 | 5,852 |
| Average earning assets | $68,350,000 | 5,786 |
| Average equity | $6,940,750 | 6,136 |
| Average total loans | $45,766,250 | 5,749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 5,469 |
| Cost of funding earning assets | 1.5442% | 2,989 |
| Net interest margin | 3.3399% | 5,874 |
| Noninterest income to average assets | 0.3733% | 5,147 |
| Noninterest expense to average assets | 2.6272% | 5,217 |
| Loan and lease loss provision to assets | 0.2904% | 4,060 |
| Net operating income to assets | 0.5574% | 4,044 |
| Return on assets (ROA) | 0.5946% | 4,037 |
| Pretax return on assets | 0.6167% | 4,521 |
| Return on Equity (ROE) | 6.2869% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.6551% | 3,773 |
| Net charge-offs to loans | 0.0570% | 5,591 |
| Credit loss provision to net charge-offs | 807.6923% | 459 |
| Earnings coverage of net charge-offs (x) | 24.1538% | 1,083 |
| Efficiency ratio | 75.1582% | 3,233 |
| Assets per employee ($millions) | 4.3268% | 3,164 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,219 |
| Loan loss allowance to noncurrent loans | 185.9922% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 6,551 |
| Noncurrent loans to loans | 0.5607% | 6,128 |
| Net loans and leases to total assets | 61.6619% | 4,744 |
| Net loans and leases to deposits | 73.1348% | 4,815 |
| Net loans and leases to core deposits | 75.5996% | 5,238 |
| Total domestic deposits to total assets | 84.3126% | 3,951 |
| Equity capital to assets | 9.3996% | 4,861 |
| Core capital (leverage) ratio | 9.0525% | 4,519 |
| Tier 1 risk-based capital ratio | 15.2732% | 3,024 |
| Total risk-based capital ratio | 16.3580% | 3,060 |
| Memoranda: | ||
| Average total assets | $72,319,000 | 5,908 |
| Average earning assets | $67,606,330 | 5,842 |
| Average equity | $6,839,670 | 6,193 |
| Average total loans | $45,591,670 | 5,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 5,595 |
| Cost of funding earning assets | 1.5845% | 3,047 |
| Net interest margin | 3.2885% | 6,014 |
| Noninterest income to average assets | 0.3459% | 5,374 |
| Noninterest expense to average assets | 2.6722% | 5,048 |
| Loan and lease loss provision to assets | 0.2510% | 4,034 |
| Net operating income to assets | 0.4742% | 4,513 |
| Return on assets (ROA) | 0.4742% | 4,644 |
| Pretax return on assets | 0.4909% | 4,989 |
| Return on Equity (ROE) | 4.9982% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.3521% | 4,732 |
| Net charge-offs to loans | 0.0880% | 4,541 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 13.3000% | 1,508 |
| Efficiency ratio | 78.2680% | 2,854 |
| Assets per employee ($millions) | 4.2906% | 3,302 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 6,737 |
| Loan loss allowance to noncurrent loans | 113.4771% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 6,097 |
| Noncurrent loans to loans | 0.8209% | 5,674 |
| Net loans and leases to total assets | 61.3825% | 4,879 |
| Net loans and leases to deposits | 73.3539% | 4,848 |
| Net loans and leases to core deposits | 73.3539% | 5,567 |
| Total domestic deposits to total assets | 83.6800% | 4,312 |
| Equity capital to assets | 9.3089% | 4,821 |
| Core capital (leverage) ratio | 9.2985% | 4,062 |
| Tier 1 risk-based capital ratio | 15.1678% | 3,029 |
| Total risk-based capital ratio | 16.1287% | 3,129 |
| Memoranda: | ||
| Average total assets | $71,700,500 | 6,003 |
| Average earning assets | $66,899,500 | 5,936 |
| Average equity | $6,802,500 | 6,253 |
| Average total loans | $45,470,500 | 5,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 5,163 |
| Cost of funding earning assets | 2.0002% | 2,964 |
| Net interest margin | 3.3025% | 5,734 |
| Noninterest income to average assets | 0.3802% | 5,371 |
| Noninterest expense to average assets | 2.8349% | 4,817 |
| Loan and lease loss provision to assets | 0.1952% | 5,784 |
| Net operating income to assets | 0.4443% | 3,954 |
| Return on assets (ROA) | 0.5929% | 3,439 |
| Pretax return on assets | 0.5871% | 3,938 |
| Return on Equity (ROE) | 6.2533% | 3,101 |
| Retained earnings to average equity (ytd only) | 3.4877% | 2,729 |
| Net charge-offs to loans | 0.3195% | 4,649 |
| Credit loss provision to net charge-offs | 95.0355% | 5,813 |
| Earnings coverage of net charge-offs (x) | 3.0851% | 3,522 |
| Efficiency ratio | 81.7304% | 2,639 |
| Assets per employee ($millions) | 4.1447% | 3,529 |
| Cash dividends to net income (ytd only)* | 44.2260% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 7,003 |
| Loan loss allowance to noncurrent loans | 176.2557% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 6,532 |
| Noncurrent loans to loans | 0.4787% | 6,298 |
| Net loans and leases to total assets | 64.3784% | 4,519 |
| Net loans and leases to deposits | 77.6437% | 4,445 |
| Net loans and leases to core deposits | 90.0753% | 5,117 |
| Total domestic deposits to total assets | 82.9151% | 4,558 |
| Equity capital to assets | 9.6722% | 4,183 |
| Core capital (leverage) ratio | 9.3959% | 3,839 |
| Tier 1 risk-based capital ratio | 15.1035% | 2,883 |
| Total risk-based capital ratio | 15.9863% | 3,039 |
| Memoranda: | ||
| Average total assets | $68,643,400 | 6,051 |
| Average earning assets | $64,193,600 | 5,990 |
| Average equity | $6,508,600 | 6,424 |
| Average total loans | $44,124,800 | 5,926 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3506% | 5,173 |
| Cost of funding earning assets | 2.1005% | 2,890 |
| Net interest margin | 3.2500% | 5,834 |
| Noninterest income to average assets | 0.3832% | 5,454 |
| Noninterest expense to average assets | 2.8215% | 4,809 |
| Loan and lease loss provision to assets | 0.1486% | 5,871 |
| Net operating income to assets | 0.4353% | 4,256 |
| Return on assets (ROA) | 0.5592% | 3,843 |
| Pretax return on assets | 0.5827% | 4,243 |
| Return on Equity (ROE) | 5.9285% | 3,554 |
| Retained earnings to average equity (ytd only) | 3.1301% | 3,570 |
| Net charge-offs to loans | 0.0366% | 6,390 |
| Credit loss provision to net charge-offs | 633.3333% | 594 |
| Earnings coverage of net charge-offs (x) | 25.6663% | 1,045 |
| Efficiency ratio | 82.4101% | 2,520 |
| Assets per employee ($millions) | 4.0589% | 3,620 |
| Cash dividends to net income (ytd only)* | 47.2044% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,100 |
| Loan loss allowance to noncurrent loans | 177.1318% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 6,166 |
| Noncurrent loans to loans | 0.5822% | 6,150 |
| Net loans and leases to total assets | 63.5576% | 4,957 |
| Net loans and leases to deposits | 76.8460% | 4,921 |
| Net loans and leases to core deposits | 88.5568% | 5,584 |
| Total domestic deposits to total assets | 82.7077% | 4,357 |
| Equity capital to assets | 9.7548% | 4,415 |
| Core capital (leverage) ratio | 9.4403% | 3,992 |
| Tier 1 risk-based capital ratio | 15.2770% | 2,923 |
| Total risk-based capital ratio | 16.3464% | 2,937 |
| Memoranda: | ||
| Average total assets | $68,189,250 | 6,099 |
| Average earning assets | $63,792,500 | 6,044 |
| Average equity | $6,432,000 | 6,510 |
| Average total loans | $43,719,250 | 5,985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 5,297 |
| Cost of funding earning assets | 2.2124% | 2,736 |
| Net interest margin | 3.1578% | 6,071 |
| Noninterest income to average assets | 0.3681% | 5,562 |
| Noninterest expense to average assets | 2.7739% | 5,072 |
| Loan and lease loss provision to assets | 0.1531% | 5,543 |
| Net operating income to assets | 0.3716% | 4,614 |
| Return on assets (ROA) | 0.4388% | 4,448 |
| Pretax return on assets | 0.4623% | 4,743 |
| Return on Equity (ROE) | 4.7060% | 4,211 |
| Retained earnings to average equity (ytd only) | 1.8635% | 4,310 |
| Net charge-offs to loans | 0.0138% | 6,356 |
| Credit loss provision to net charge-offs | 1,733.3333% | 303 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 582 |
| Efficiency ratio | 83.5847% | 2,528 |
| Assets per employee ($millions) | 4.0046% | 3,663 |
| Cash dividends to net income (ytd only)* | 60.4027% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,194 |
| Loan loss allowance to noncurrent loans | 181.8930% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 6,335 |
| Noncurrent loans to loans | 0.5528% | 6,163 |
| Net loans and leases to total assets | 63.9179% | 5,004 |
| Net loans and leases to deposits | 75.5006% | 5,243 |
| Net loans and leases to core deposits | 87.5410% | 5,761 |
| Total domestic deposits to total assets | 84.6588% | 3,414 |
| Equity capital to assets | 9.2967% | 4,876 |
| Core capital (leverage) ratio | 9.4267% | 3,992 |
| Tier 1 risk-based capital ratio | 15.1385% | 2,964 |
| Total risk-based capital ratio | 16.1782% | 2,994 |
| Memoranda: | ||
| Average total assets | $67,918,330 | 6,156 |
| Average earning assets | $63,461,000 | 6,096 |
| Average equity | $6,332,330 | 6,597 |
| Average total loans | $43,521,330 | 6,043 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 5,332 |
| Cost of funding earning assets | 2.3701% | 2,415 |
| Net interest margin | 3.0464% | 6,350 |
| Noninterest income to average assets | 0.2948% | 6,076 |
| Noninterest expense to average assets | 2.8126% | 4,505 |
| Loan and lease loss provision to assets | 0.1651% | 4,817 |
| Net operating income to assets | 0.1518% | 5,812 |
| Return on assets (ROA) | 0.2359% | 5,707 |
| Pretax return on assets | 0.2476% | 5,831 |
| Return on Equity (ROE) | 2.5260% | 5,563 |
| Retained earnings to average equity (ytd only) | -0.3158% | 5,717 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6617% | 1,747 |
| Assets per employee ($millions) | 3.9966% | 3,666 |
| Cash dividends to net income (ytd only)* | 112.5000% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,328 |
| Loan loss allowance to noncurrent loans | 186.2832% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 6,186 |
| Noncurrent loans to loans | 0.5249% | 6,110 |
| Net loans and leases to total assets | 62.7476% | 5,200 |
| Net loans and leases to deposits | 73.8831% | 5,493 |
| Net loans and leases to core deposits | 87.5724% | 5,776 |
| Total domestic deposits to total assets | 84.9283% | 3,242 |
| Equity capital to assets | 9.3977% | 4,812 |
| Core capital (leverage) ratio | 9.3735% | 4,137 |
| Tier 1 risk-based capital ratio | 15.1167% | 3,008 |
| Total risk-based capital ratio | 16.1155% | 3,058 |
| Memoranda: | ||
| Average total assets | $67,838,500 | 6,185 |
| Average earning assets | $63,288,000 | 6,135 |
| Average equity | $6,334,000 | 6,648 |
| Average total loans | $43,304,000 | 6,081 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 6,190 |
| Cost of funding earning assets | 2.7560% | 2,897 |
| Net interest margin | 3.1123% | 6,616 |
| Noninterest income to average assets | 0.3942% | 5,519 |
| Noninterest expense to average assets | 2.3848% | 6,446 |
| Loan and lease loss provision to assets | 0.1790% | 5,104 |
| Net operating income to assets | 0.6657% | 4,039 |
| Return on assets (ROA) | 0.6951% | 3,748 |
| Pretax return on assets | 0.7809% | 4,140 |
| Return on Equity (ROE) | 7.5710% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.9658% | 2,664 |
| Net charge-offs to loans | 0.2530% | 3,749 |
| Credit loss provision to net charge-offs | 113.3333% | 4,761 |
| Earnings coverage of net charge-offs (x) | 5.8667% | 3,503 |
| Efficiency ratio | 72.0127% | 3,930 |
| Assets per employee ($millions) | 3.9844% | 3,558 |
| Cash dividends to net income (ytd only)* | 47.6190% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 6,668 |
| Loan loss allowance to noncurrent loans | 141.8773% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 5,636 |
| Noncurrent loans to loans | 0.6360% | 5,458 |
| Net loans and leases to total assets | 63.7219% | 5,333 |
| Net loans and leases to deposits | 75.7175% | 5,623 |
| Net loans and leases to core deposits | 95.2572% | 5,321 |
| Total domestic deposits to total assets | 84.1574% | 3,238 |
| Equity capital to assets | 9.2759% | 4,966 |
| Core capital (leverage) ratio | 9.3451% | 4,241 |
| Tier 1 risk-based capital ratio | 15.0440% | 3,023 |
| Total risk-based capital ratio | 15.9711% | 3,113 |
| Memoranda: | ||
| Average total assets | $66,463,200 | 6,144 |
| Average earning assets | $62,301,000 | 6,078 |
| Average equity | $6,102,200 | 6,766 |
| Average total loans | $41,495,600 | 6,098 |