Home > 1st Cameron State Bank > Performance and Condition Ratios
1st Cameron State Bank, Performance and Condition Ratios
| 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 | 2.0973% | 4,743 |
| Cost of funding earning assets | 0.1798% | 3,827 |
| Net interest margin | 1.9176% | 4,709 |
| Noninterest income to average assets | 0.1907% | 4,253 |
| Noninterest expense to average assets | 2.0634% | 3,477 |
| Loan and lease loss provision to assets | -0.0015% | 4,288 |
| Net operating income to assets | 0.0159% | 4,737 |
| Return on assets (ROA) | 0.0159% | 4,748 |
| Pretax return on assets | -0.0278% | 4,761 |
| Return on Equity (ROE) | 0.1939% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.1939% | 4,536 |
| Net charge-offs to loans | -0.0195% | 3,958 |
| Credit loss provision to net charge-offs | 33.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4648% | 146 |
| Assets per employee ($millions) | 5.9488% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,940 |
| Loan loss allowance to noncurrent loans | 144.1860% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 2,577 |
| Noncurrent loans to loans | 0.8399% | 1,359 |
| Net loans and leases to total assets | 28.3407% | 4,635 |
| Net loans and leases to deposits | 36.9597% | 4,548 |
| Net loans and leases to core deposits | 37.7740% | 4,576 |
| Total domestic deposits to total assets | 76.6800% | 4,512 |
| Equity capital to assets | 7.7047% | 4,649 |
| Core capital (leverage) ratio | 7.8677% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7873% | 384 |
| Memoranda: | ||
| Average total assets | $67,136,500 | 4,424 |
| Average earning assets | $64,524,750 | 4,384 |
| Average equity | $5,501,250 | 4,650 |
| Average total loans | $20,493,500 | 4,626 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1520% | 4,776 |
| Cost of funding earning assets | 0.1870% | 3,882 |
| Net interest margin | 1.9650% | 4,723 |
| Noninterest income to average assets | 0.2191% | 4,094 |
| Noninterest expense to average assets | 2.1242% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0426% | 4,756 |
| Return on assets (ROA) | 0.0426% | 4,765 |
| Pretax return on assets | -0.0183% | 4,786 |
| Return on Equity (ROE) | 0.5089% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.5089% | 4,434 |
| Net charge-offs to loans | -0.0195% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8671% | 159 |
| Assets per employee ($millions) | 5.8179% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,620 |
| Loan loss allowance to noncurrent loans | 140.1130% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 2,659 |
| Noncurrent loans to loans | 0.9014% | 1,376 |
| Net loans and leases to total assets | 27.7720% | 4,709 |
| Net loans and leases to deposits | 36.9878% | 4,612 |
| Net loans and leases to core deposits | 37.8388% | 4,629 |
| Total domestic deposits to total assets | 75.0842% | 4,614 |
| Equity capital to assets | 7.8866% | 4,584 |
| Core capital (leverage) ratio | 7.9241% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7007% | 345 |
| Memoranda: | ||
| Average total assets | $65,720,333 | 4,468 |
| Average earning assets | $63,105,333 | 4,434 |
| Average equity | $5,501,667 | 4,676 |
| Average total loans | $20,498,333 | 4,656 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3045% | 4,757 |
| Cost of funding earning assets | 0.1904% | 4,004 |
| Net interest margin | 2.1141% | 4,671 |
| Noninterest income to average assets | 0.3015% | 3,604 |
| Noninterest expense to average assets | 2.2113% | 3,071 |
| Loan and lease loss provision to assets | -0.0063% | 4,566 |
| Net operating income to assets | 0.0942% | 4,717 |
| Return on assets (ROA) | 0.0942% | 4,729 |
| Pretax return on assets | 0.1194% | 4,717 |
| Return on Equity (ROE) | 1.0910% | 4,700 |
| Retained earnings to average equity (ytd only) | 1.0910% | 4,196 |
| Net charge-offs to loans | -0.0573% | 4,449 |
| Credit loss provision to net charge-offs | 33.3333% | 1,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1351% | 265 |
| Assets per employee ($millions) | 5.6364% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,896 |
| Loan loss allowance to noncurrent loans | 136.2637% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 2,806 |
| Noncurrent loans to loans | 0.8857% | 1,530 |
| Net loans and leases to total assets | 30.0132% | 4,692 |
| Net loans and leases to deposits | 37.8958% | 4,625 |
| Net loans and leases to core deposits | 38.7479% | 4,652 |
| Total domestic deposits to total assets | 79.1993% | 4,312 |
| Equity capital to assets | 8.1420% | 4,403 |
| Core capital (leverage) ratio | 8.7323% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7162% | 304 |
| Memoranda: | ||
| Average total assets | $63,673,000 | 4,511 |
| Average earning assets | $60,925,000 | 4,477 |
| Average equity | $5,499,500 | 4,694 |
| Average total loans | $20,929,000 | 4,675 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8176% | 4,743 |
| Cost of funding earning assets | 0.2181% | 4,515 |
| Net interest margin | 2.5995% | 4,500 |
| Noninterest income to average assets | 0.1775% | 4,397 |
| Noninterest expense to average assets | 2.4109% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1927% | 4,581 |
| Return on assets (ROA) | 0.1927% | 4,642 |
| Pretax return on assets | 0.2451% | 4,610 |
| Return on Equity (ROE) | 2.0745% | 4,554 |
| Retained earnings to average equity (ytd only) | 0.8917% | 4,262 |
| Net charge-offs to loans | 0.0187% | 2,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 1,458 |
| Efficiency ratio | 90.7702% | 349 |
| Assets per employee ($millions) | 4.5930% | 3,820 |
| Cash dividends to net income (ytd only)* | 57.0175% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 3,191 |
| Loan loss allowance to noncurrent loans | 123.6181% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 2,653 |
| Noncurrent loans to loans | 0.9338% | 1,508 |
| Net loans and leases to total assets | 35.2778% | 4,606 |
| Net loans and leases to deposits | 45.5458% | 4,483 |
| Net loans and leases to core deposits | 46.7341% | 4,523 |
| Total domestic deposits to total assets | 77.4557% | 4,371 |
| Equity capital to assets | 9.1979% | 3,888 |
| Core capital (leverage) ratio | 8.7543% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7880% | 324 |
| Memoranda: | ||
| Average total assets | $59,148,800 | 4,523 |
| Average earning assets | $56,396,200 | 4,489 |
| Average equity | $5,495,400 | 4,698 |
| Average total loans | $21,431,200 | 4,683 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8449% | 4,814 |
| Cost of funding earning assets | 0.2203% | 4,605 |
| Net interest margin | 2.6246% | 4,550 |
| Noninterest income to average assets | 0.1740% | 4,422 |
| Noninterest expense to average assets | 2.3838% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2327% | 4,543 |
| Return on assets (ROA) | 0.2327% | 4,580 |
| Pretax return on assets | 0.2937% | 4,556 |
| Return on Equity (ROE) | 2.4986% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.4986% | 3,745 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0295% | 387 |
| Assets per employee ($millions) | 5.3298% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,728 |
| Loan loss allowance to noncurrent loans | 130.8901% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 2,956 |
| Noncurrent loans to loans | 0.9080% | 1,644 |
| Net loans and leases to total assets | 32.5000% | 4,777 |
| Net loans and leases to deposits | 44.1973% | 4,653 |
| Net loans and leases to core deposits | 45.3298% | 4,678 |
| Total domestic deposits to total assets | 73.5338% | 4,603 |
| Equity capital to assets | 8.6715% | 4,354 |
| Core capital (leverage) ratio | 8.5029% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5057% | 348 |
| Memoranda: | ||
| Average total assets | $59,008,750 | 4,544 |
| Average earning assets | $56,285,750 | 4,509 |
| Average equity | $5,496,250 | 4,720 |
| Average total loans | $21,461,500 | 4,715 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 4,865 |
| Cost of funding earning assets | 0.2202% | 4,706 |
| Net interest margin | 2.7263% | 4,532 |
| Noninterest income to average assets | 0.1813% | 4,375 |
| Noninterest expense to average assets | 2.4617% | 3,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2441% | 4,518 |
| Return on assets (ROA) | 0.2441% | 4,558 |
| Pretax return on assets | 0.3103% | 4,521 |
| Return on Equity (ROE) | 2.5549% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.5549% | 3,562 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8050% | 421 |
| Assets per employee ($millions) | 5.0471% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,577 |
| Loan loss allowance to noncurrent loans | 126.2626% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 3,105 |
| Noncurrent loans to loans | 0.9416% | 1,646 |
| Net loans and leases to total assets | 31.6680% | 4,825 |
| Net loans and leases to deposits | 44.2943% | 4,696 |
| Net loans and leases to core deposits | 45.4313% | 4,725 |
| Total domestic deposits to total assets | 71.4945% | 4,733 |
| Equity capital to assets | 8.4024% | 4,533 |
| Core capital (leverage) ratio | 8.8941% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0923% | 362 |
| Memoranda: | ||
| Average total assets | $57,359,333 | 4,574 |
| Average earning assets | $54,506,333 | 4,546 |
| Average equity | $5,479,667 | 4,748 |
| Average total loans | $21,603,333 | 4,737 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2025% | 4,865 |
| Cost of funding earning assets | 0.2293% | 4,824 |
| Net interest margin | 2.9732% | 4,327 |
| Noninterest income to average assets | 0.2254% | 4,201 |
| Noninterest expense to average assets | 2.6675% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3006% | 4,344 |
| Return on assets (ROA) | 0.3006% | 4,363 |
| Pretax return on assets | 0.3832% | 4,321 |
| Return on Equity (ROE) | 2.9288% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.9288% | 3,114 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4384% | 614 |
| Assets per employee ($millions) | 3.8364% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,812 |
| Loan loss allowance to noncurrent loans | 95.0570% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 2,527 |
| Noncurrent loans to loans | 1.2340% | 1,320 |
| Net loans and leases to total assets | 39.2150% | 4,696 |
| Net loans and leases to deposits | 47.2730% | 4,689 |
| Net loans and leases to core deposits | 48.5624% | 4,712 |
| Total domestic deposits to total assets | 82.9544% | 3,128 |
| Equity capital to assets | 10.2087% | 3,600 |
| Core capital (leverage) ratio | 10.4956% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9467% | 305 |
| Memoranda: | ||
| Average total assets | $53,233,000 | 4,662 |
| Average earning assets | $50,586,000 | 4,627 |
| Average equity | $5,463,000 | 4,789 |
| Average total loans | $21,891,000 | 4,766 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 4,953 |
| Cost of funding earning assets | 0.2310% | 4,897 |
| Net interest margin | 3.0936% | 4,376 |
| Noninterest income to average assets | 0.1811% | 4,584 |
| Noninterest expense to average assets | 2.5798% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4572% | 4,493 |
| Return on assets (ROA) | 0.4572% | 4,527 |
| Pretax return on assets | 0.5791% | 4,443 |
| Return on Equity (ROE) | 4.7486% | 4,282 |
| Retained earnings to average equity (ytd only) | 3.5382% | 3,230 |
| Net charge-offs to loans | -0.0042% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6686% | 818 |
| Assets per employee ($millions) | 3.7684% | 4,192 |
| Cash dividends to net income (ytd only)* | 25.4902% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,872 |
| Loan loss allowance to noncurrent loans | 128.2051% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 2,923 |
| Noncurrent loans to loans | 0.8678% | 1,771 |
| Net loans and leases to total assets | 42.1176% | 4,672 |
| Net loans and leases to deposits | 51.4745% | 4,628 |
| Net loans and leases to core deposits | 52.9224% | 4,677 |
| Total domestic deposits to total assets | 81.8223% | 3,553 |
| Equity capital to assets | 10.3171% | 3,616 |
| Core capital (leverage) ratio | 9.8858% | 3,632 |
| Tier 1 risk-based capital ratio | 26.7561% | 633 |
| Total risk-based capital ratio | 27.9851% | 621 |
| Memoranda: | ||
| Average total assets | $55,778,800 | 4,655 |
| Average earning assets | $53,691,000 | 4,617 |
| Average equity | $5,370,000 | 4,842 |
| Average total loans | $23,885,000 | 4,784 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 5,068 |
| Cost of funding earning assets | 0.2248% | 4,986 |
| Net interest margin | 3.0671% | 4,532 |
| Noninterest income to average assets | 0.1674% | 4,715 |
| Noninterest expense to average assets | 2.5211% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4788% | 4,570 |
| Return on assets (ROA) | 0.4788% | 4,608 |
| Pretax return on assets | 0.6061% | 4,530 |
| Return on Equity (ROE) | 5.0574% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.0574% | 2,865 |
| Net charge-offs to loans | -0.0055% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6184% | 865 |
| Assets per employee ($millions) | 4.0951% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,171 |
| Loan loss allowance to noncurrent loans | 125.6281% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,122 |
| Noncurrent loans to loans | 0.8523% | 1,877 |
| Net loans and leases to total assets | 40.2906% | 4,807 |
| Net loans and leases to deposits | 51.8229% | 4,716 |
| Net loans and leases to core deposits | 53.5455% | 4,759 |
| Total domestic deposits to total assets | 77.7468% | 4,400 |
| Equity capital to assets | 9.5167% | 4,435 |
| Core capital (leverage) ratio | 9.7496% | 3,912 |
| Tier 1 risk-based capital ratio | 26.0405% | 703 |
| Total risk-based capital ratio | 27.2337% | 694 |
| Memoranda: | ||
| Average total assets | $56,534,250 | 4,711 |
| Average earning assets | $54,555,250 | 4,671 |
| Average equity | $5,351,750 | 4,906 |
| Average total loans | $24,238,750 | 4,844 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 5,126 |
| Cost of funding earning assets | 0.2207% | 5,030 |
| Net interest margin | 3.0710% | 4,584 |
| Noninterest income to average assets | 0.1528% | 4,817 |
| Noninterest expense to average assets | 2.5449% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4550% | 4,633 |
| Return on assets (ROA) | 0.4550% | 4,658 |
| Pretax return on assets | 0.5758% | 4,585 |
| Return on Equity (ROE) | 4.8147% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.8147% | 2,858 |
| Net charge-offs to loans | -0.0082% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5490% | 835 |
| Assets per employee ($millions) | 3.9974% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,458 |
| Loan loss allowance to noncurrent loans | 126.2626% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,117 |
| Noncurrent loans to loans | 0.8137% | 1,959 |
| Net loans and leases to total assets | 43.0348% | 4,752 |
| Net loans and leases to deposits | 53.7661% | 4,690 |
| Net loans and leases to core deposits | 55.5404% | 4,727 |
| Total domestic deposits to total assets | 80.0407% | 4,030 |
| Equity capital to assets | 9.6151% | 4,304 |
| Core capital (leverage) ratio | 9.6096% | 4,026 |
| Tier 1 risk-based capital ratio | 25.3355% | 723 |
| Total risk-based capital ratio | 26.5125% | 718 |
| Memoranda: | ||
| Average total assets | $56,268,670 | 4,750 |
| Average earning assets | $54,379,670 | 4,708 |
| Average equity | $5,317,000 | 4,946 |
| Average total loans | $24,535,330 | 4,870 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 5,191 |
| Cost of funding earning assets | 0.2128% | 5,090 |
| Net interest margin | 3.0447% | 4,686 |
| Noninterest income to average assets | 0.1985% | 4,568 |
| Noninterest expense to average assets | 2.5664% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4537% | 4,633 |
| Return on assets (ROA) | 0.4537% | 4,649 |
| Pretax return on assets | 0.5743% | 4,564 |
| Return on Equity (ROE) | 4.8439% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.8439% | 2,975 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7156% | 899 |
| Assets per employee ($millions) | 3.9953% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,567 |
| Loan loss allowance to noncurrent loans | 123.8806% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 3,162 |
| Noncurrent loans to loans | 0.8260% | 1,990 |
| Net loans and leases to total assets | 43.0597% | 4,785 |
| Net loans and leases to deposits | 53.4296% | 4,695 |
| Net loans and leases to core deposits | 55.1978% | 4,744 |
| Total domestic deposits to total assets | 80.5914% | 4,053 |
| Equity capital to assets | 9.5058% | 4,255 |
| Core capital (leverage) ratio | 9.6084% | 4,012 |
| Tier 1 risk-based capital ratio | 25.0932% | 756 |
| Total risk-based capital ratio | 26.2683% | 744 |
| Memoranda: | ||
| Average total assets | $56,421,000 | 4,798 |
| Average earning assets | $54,521,500 | 4,759 |
| Average equity | $5,285,000 | 4,995 |
| Average total loans | $24,636,000 | 4,915 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1374% | 5,178 |
| Cost of funding earning assets | 0.2300% | 4,890 |
| Net interest margin | 2.9074% | 4,910 |
| Noninterest income to average assets | 0.1738% | 4,858 |
| Noninterest expense to average assets | 2.5266% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4412% | 4,785 |
| Return on assets (ROA) | 0.4412% | 4,781 |
| Pretax return on assets | 0.4562% | 4,864 |
| Return on Equity (ROE) | 5.1328% | 4,425 |
| Retained earnings to average equity (ytd only) | 3.8690% | 3,453 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7059% | 599 |
| Assets per employee ($millions) | 4.0649% | 3,801 |
| Cash dividends to net income (ytd only)* | 24.6212% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,708 |
| Loan loss allowance to noncurrent loans | 121.4634% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 3,107 |
| Noncurrent loans to loans | 0.8220% | 1,961 |
| Net loans and leases to total assets | 43.3841% | 4,832 |
| Net loans and leases to deposits | 54.5312% | 4,729 |
| Net loans and leases to core deposits | 57.4189% | 4,719 |
| Total domestic deposits to total assets | 79.5582% | 4,200 |
| Equity capital to assets | 9.2307% | 4,383 |
| Core capital (leverage) ratio | 8.7393% | 4,849 |
| Tier 1 risk-based capital ratio | 24.3228% | 796 |
| Total risk-based capital ratio | 25.4758% | 787 |
| Memoranda: | ||
| Average total assets | $59,843,400 | 4,765 |
| Average earning assets | $57,818,600 | 4,713 |
| Average equity | $5,143,400 | 5,032 |
| Average total loans | $25,881,400 | 4,914 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0439% | 5,272 |
| Cost of funding earning assets | 0.2256% | 4,918 |
| Net interest margin | 2.8184% | 5,070 |
| Noninterest income to average assets | 0.1629% | 4,971 |
| Noninterest expense to average assets | 2.5245% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2839% | 5,107 |
| Return on assets (ROA) | 0.2839% | 5,100 |
| Pretax return on assets | 0.3610% | 5,074 |
| Return on Equity (ROE) | 3.3620% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.3620% | 4,073 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4905% | 431 |
| Assets per employee ($millions) | 4.4854% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,885 |
| Loan loss allowance to noncurrent loans | 88.6121% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,899 |
| Noncurrent loans to loans | 1.1075% | 1,538 |
| Net loans and leases to total assets | 40.0089% | 5,027 |
| Net loans and leases to deposits | 54.6911% | 4,796 |
| Net loans and leases to core deposits | 57.5407% | 4,807 |
| Total domestic deposits to total assets | 73.1543% | 5,048 |
| Equity capital to assets | 8.2537% | 5,057 |
| Core capital (leverage) ratio | 8.6085% | 5,026 |
| Tier 1 risk-based capital ratio | 22.7335% | 970 |
| Total risk-based capital ratio | 23.8256% | 960 |
| Memoranda: | ||
| Average total assets | $60,577,250 | 4,802 |
| Average earning assets | $58,519,250 | 4,749 |
| Average equity | $5,116,000 | 5,096 |
| Average total loans | $26,117,250 | 4,962 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 5,320 |
| Cost of funding earning assets | 0.2285% | 4,866 |
| Net interest margin | 2.8110% | 5,107 |
| Noninterest income to average assets | 0.1738% | 4,957 |
| Noninterest expense to average assets | 2.5435% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2707% | 5,159 |
| Return on assets (ROA) | 0.2707% | 5,151 |
| Pretax return on assets | 0.3443% | 5,111 |
| Return on Equity (ROE) | 3.1804% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.1804% | 3,979 |
| Net charge-offs to loans | 0.0076% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 686 |
| Efficiency ratio | 88.0787% | 459 |
| Assets per employee ($millions) | 3.9031% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 4,031 |
| Loan loss allowance to noncurrent loans | 116.9811% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 3,290 |
| Noncurrent loans to loans | 0.8259% | 2,074 |
| Net loans and leases to total assets | 43.4215% | 4,932 |
| Net loans and leases to deposits | 55.3410% | 4,786 |
| Net loans and leases to core deposits | 58.2192% | 4,785 |
| Total domestic deposits to total assets | 78.4617% | 4,516 |
| Equity capital to assets | 8.7707% | 4,744 |
| Core capital (leverage) ratio | 8.7336% | 4,941 |
| Tier 1 risk-based capital ratio | 22.9795% | 936 |
| Total risk-based capital ratio | 24.0893% | 931 |
| Memoranda: | ||
| Average total assets | $59,837,670 | 4,876 |
| Average earning assets | $57,773,330 | 4,821 |
| Average equity | $5,093,670 | 5,154 |
| Average total loans | $26,365,330 | 5,014 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9539% | 5,396 |
| Cost of funding earning assets | 0.2262% | 4,855 |
| Net interest margin | 2.7277% | 5,233 |
| Noninterest income to average assets | 0.1852% | 4,919 |
| Noninterest expense to average assets | 2.4999% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2513% | 5,179 |
| Return on assets (ROA) | 0.2513% | 5,179 |
| Pretax return on assets | 0.3174% | 5,149 |
| Return on Equity (ROE) | 2.9963% | 5,021 |
| Retained earnings to average equity (ytd only) | 2.9963% | 4,003 |
| Net charge-offs to loans | 0.0449% | 1,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,642 |
| Efficiency ratio | 88.7324% | 497 |
| Assets per employee ($millions) | 4.2099% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 4,319 |
| Loan loss allowance to noncurrent loans | 114.4186% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,484 |
| Noncurrent loans to loans | 0.8108% | 2,191 |
| Net loans and leases to total assets | 41.6032% | 4,996 |
| Net loans and leases to deposits | 53.8692% | 4,804 |
| Net loans and leases to core deposits | 56.5184% | 4,822 |
| Total domestic deposits to total assets | 77.2300% | 4,837 |
| Equity capital to assets | 8.0635% | 5,245 |
| Core capital (leverage) ratio | 8.5903% | 5,074 |
| Tier 1 risk-based capital ratio | 21.3932% | 1,137 |
| Total risk-based capital ratio | 22.4267% | 1,149 |
| Memoranda: | ||
| Average total assets | $60,483,000 | 4,917 |
| Average earning assets | $58,364,000 | 4,863 |
| Average equity | $5,073,000 | 5,207 |
| Average total loans | $26,713,000 | 5,055 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9113% | 5,406 |
| Cost of funding earning assets | 0.2289% | 4,735 |
| Net interest margin | 2.6824% | 5,288 |
| Noninterest income to average assets | 0.4561% | 3,270 |
| Noninterest expense to average assets | 2.4022% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4314% | 4,583 |
| Return on assets (ROA) | 0.4314% | 4,611 |
| Pretax return on assets | 0.6388% | 4,652 |
| Return on Equity (ROE) | 5.2763% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.8465% | 2,910 |
| Net charge-offs to loans | 0.0582% | 2,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,766 |
| Efficiency ratio | 78.9930% | 1,222 |
| Assets per employee ($millions) | 3.8545% | 4,194 |
| Cash dividends to net income (ytd only)* | 27.0992% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 4,343 |
| Loan loss allowance to noncurrent loans | 115.2778% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 3,370 |
| Noncurrent loans to loans | 0.8027% | 2,207 |
| Net loans and leases to total assets | 46.1093% | 4,886 |
| Net loans and leases to deposits | 54.9693% | 4,850 |
| Net loans and leases to core deposits | 57.7010% | 4,861 |
| Total domestic deposits to total assets | 83.8819% | 3,250 |
| Equity capital to assets | 8.7414% | 4,935 |
| Core capital (leverage) ratio | 8.4468% | 5,181 |
| Tier 1 risk-based capital ratio | 21.3321% | 1,089 |
| Total risk-based capital ratio | 22.3831% | 1,101 |
| Memoranda: | ||
| Average total assets | $60,735,600 | 4,947 |
| Average earning assets | $58,530,000 | 4,893 |
| Average equity | $4,965,600 | 5,276 |
| Average total loans | $27,479,800 | 5,076 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8612% | 5,497 |
| Cost of funding earning assets | 0.2229% | 4,787 |
| Net interest margin | 2.6383% | 5,380 |
| Noninterest income to average assets | 0.5293% | 2,843 |
| Noninterest expense to average assets | 2.3514% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4772% | 4,800 |
| Return on assets (ROA) | 0.4772% | 4,839 |
| Pretax return on assets | 0.7202% | 4,558 |
| Return on Equity (ROE) | 5.9337% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.9337% | 2,293 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5537% | 1,515 |
| Assets per employee ($millions) | 4.0239% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,275 |
| Loan loss allowance to noncurrent loans | 103.1128% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 3,317 |
| Noncurrent loans to loans | 0.9322% | 2,057 |
| Net loans and leases to total assets | 45.2377% | 4,978 |
| Net loans and leases to deposits | 58.9194% | 4,686 |
| Net loans and leases to core deposits | 61.9836% | 4,709 |
| Total domestic deposits to total assets | 76.7789% | 4,929 |
| Equity capital to assets | 8.4213% | 5,333 |
| Core capital (leverage) ratio | 8.7002% | 5,064 |
| Tier 1 risk-based capital ratio | 20.4778% | 1,283 |
| Total risk-based capital ratio | 21.5454% | 1,282 |
| Memoranda: | ||
| Average total assets | $61,465,250 | 4,988 |
| Average earning assets | $59,228,000 | 4,928 |
| Average equity | $4,943,500 | 5,338 |
| Average total loans | $27,622,750 | 5,133 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8181% | 5,552 |
| Cost of funding earning assets | 0.2248% | 4,758 |
| Net interest margin | 2.5933% | 5,443 |
| Noninterest income to average assets | 0.2394% | 4,809 |
| Noninterest expense to average assets | 2.3547% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2491% | 5,324 |
| Return on assets (ROA) | 0.2491% | 5,338 |
| Pretax return on assets | 0.3849% | 5,201 |
| Return on Equity (ROE) | 3.1448% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.1448% | 3,836 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9504% | 692 |
| Assets per employee ($millions) | 4.3534% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 45.2665% | 4,982 |
| Net loans and leases to deposits | 60.0126% | 4,625 |
| Net loans and leases to core deposits | 63.1631% | 4,661 |
| Total domestic deposits to total assets | 75.4282% | 5,152 |
| Equity capital to assets | 8.1053% | 5,485 |
| Core capital (leverage) ratio | 8.1053% | 5,485 |
| Tier 1 risk-based capital ratio | 19.9935% | 1,373 |
| Total risk-based capital ratio | 21.0661% | 1,373 |
| Memoranda: | ||
| Average total assets | $61,834,000 | 5,021 |
| Average earning assets | $59,614,330 | 4,960 |
| Average equity | $4,897,000 | 5,386 |
| Average total loans | $27,640,330 | 5,172 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7175% | 5,637 |
| Cost of funding earning assets | 0.2198% | 4,807 |
| Net interest margin | 2.4977% | 5,547 |
| Noninterest income to average assets | 0.1798% | 5,191 |
| Noninterest expense to average assets | 2.3379% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1606% | 5,447 |
| Return on assets (ROA) | 0.1606% | 5,458 |
| Pretax return on assets | 0.2505% | 5,374 |
| Return on Equity (ROE) | 2.0511% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.0511% | 4,318 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3226% | 543 |
| Assets per employee ($millions) | 4.5618% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 4,481 |
| Loan loss allowance to noncurrent loans | 262.3762% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 4,622 |
| Noncurrent loans to loans | 0.3669% | 3,775 |
| Net loans and leases to total assets | 42.6932% | 5,123 |
| Net loans and leases to deposits | 60.8114% | 4,512 |
| Net loans and leases to core deposits | 64.1281% | 4,526 |
| Total domestic deposits to total assets | 70.2059% | 5,623 |
| Equity capital to assets | 7.6536% | 5,644 |
| Core capital (leverage) ratio | 7.8486% | 5,611 |
| Tier 1 risk-based capital ratio | 20.2662% | 1,340 |
| Total risk-based capital ratio | 21.3649% | 1,338 |
| Memoranda: | ||
| Average total assets | $62,277,000 | 5,067 |
| Average earning assets | $60,055,500 | 5,002 |
| Average equity | $4,875,500 | 5,442 |
| Average total loans | $27,533,500 | 5,230 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 5,617 |
| Cost of funding earning assets | 0.2388% | 4,665 |
| Net interest margin | 2.6121% | 5,504 |
| Noninterest income to average assets | 0.2433% | 4,969 |
| Noninterest expense to average assets | 2.5334% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1460% | 5,501 |
| Return on assets (ROA) | 0.1460% | 5,538 |
| Pretax return on assets | 0.2189% | 5,477 |
| Return on Equity (ROE) | 1.7231% | 5,452 |
| Retained earnings to average equity (ytd only) | 0.3487% | 5,181 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0455% | 456 |
| Assets per employee ($millions) | 4.0459% | 3,883 |
| Cash dividends to net income (ytd only)* | 79.7619% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 4,515 |
| Loan loss allowance to noncurrent loans | 252.3810% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,627 |
| Noncurrent loans to loans | 0.3813% | 3,766 |
| Net loans and leases to total assets | 44.9357% | 5,068 |
| Net loans and leases to deposits | 63.8306% | 4,427 |
| Net loans and leases to core deposits | 67.4858% | 4,434 |
| Total domestic deposits to total assets | 70.3983% | 5,649 |
| Equity capital to assets | 8.0130% | 5,561 |
| Core capital (leverage) ratio | 8.4376% | 5,329 |
| Tier 1 risk-based capital ratio | 20.2011% | 1,344 |
| Total risk-based capital ratio | 21.3019% | 1,335 |
| Memoranda: | ||
| Average total assets | $57,551,200 | 5,199 |
| Average earning assets | $55,280,400 | 5,138 |
| Average equity | $4,874,800 | 5,488 |
| Average total loans | $28,035,800 | 5,268 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8955% | 5,653 |
| Cost of funding earning assets | 0.2448% | 4,654 |
| Net interest margin | 2.6507% | 5,544 |
| Noninterest income to average assets | 0.2255% | 5,120 |
| Noninterest expense to average assets | 2.5437% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1503% | 5,556 |
| Return on assets (ROA) | 0.1503% | 5,614 |
| Pretax return on assets | 0.2255% | 5,538 |
| Return on Equity (ROE) | 1.7494% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.6946% | 4,829 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8575% | 469 |
| Assets per employee ($millions) | 4.1068% | 3,775 |
| Cash dividends to net income (ytd only)* | 3.1290% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,645 |
| Loan loss allowance to noncurrent loans | 378.5714% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 4,942 |
| Noncurrent loans to loans | 0.2520% | 4,365 |
| Net loans and leases to total assets | 47.8511% | 4,969 |
| Net loans and leases to deposits | 60.6967% | 4,705 |
| Net loans and leases to core deposits | 65.7741% | 4,625 |
| Total domestic deposits to total assets | 78.8364% | 4,758 |
| Equity capital to assets | 8.5364% | 5,509 |
| Core capital (leverage) ratio | 8.4654% | 5,392 |
| Tier 1 risk-based capital ratio | 21.1652% | 1,240 |
| Total risk-based capital ratio | 22.3080% | 1,237 |
| Memoranda: | ||
| Average total assets | $56,766,750 | 5,259 |
| Average earning assets | $54,474,250 | 5,204 |
| Average equity | $4,877,750 | 5,545 |
| Average total loans | $28,160,750 | 5,310 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 5,733 |
| Cost of funding earning assets | 0.2472% | 4,689 |
| Net interest margin | 2.6559% | 5,613 |
| Noninterest income to average assets | 0.2229% | 5,156 |
| Noninterest expense to average assets | 2.5264% | 3,968 |
| Loan and lease loss provision to assets | -0.0035% | 5,749 |
| Net operating income to assets | 0.1592% | 5,597 |
| Return on assets (ROA) | 0.1592% | 5,646 |
| Pretax return on assets | 0.2477% | 5,561 |
| Return on Equity (ROE) | 1.8489% | 5,543 |
| Retained earnings to average equity (ytd only) | 1.7668% | 4,674 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1877% | 537 |
| Assets per employee ($millions) | 4.2055% | 3,558 |
| Cash dividends to net income (ytd only)* | 4.4444% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,794 |
| Loan loss allowance to noncurrent loans | 201.5267% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 4,604 |
| Noncurrent loans to loans | 0.4678% | 3,686 |
| Net loans and leases to total assets | 47.1186% | 5,057 |
| Net loans and leases to deposits | 60.6316% | 4,758 |
| Net loans and leases to core deposits | 65.6662% | 4,635 |
| Total domestic deposits to total assets | 77.7129% | 5,051 |
| Equity capital to assets | 8.3038% | 5,693 |
| Core capital (leverage) ratio | 8.5266% | 5,343 |
| Tier 1 risk-based capital ratio | 20.5360% | 1,340 |
| Total risk-based capital ratio | 21.6449% | 1,345 |
| Memoranda: | ||
| Average total assets | $56,524,000 | 5,326 |
| Average earning assets | $54,218,000 | 5,267 |
| Average equity | $4,867,670 | 5,603 |
| Average total loans | $28,288,670 | 5,357 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9741% | 5,712 |
| Cost of funding earning assets | 0.2491% | 4,716 |
| Net interest margin | 2.7250% | 5,581 |
| Noninterest income to average assets | 0.2457% | 4,979 |
| Noninterest expense to average assets | 2.5873% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1734% | 5,581 |
| Return on assets (ROA) | 0.1734% | 5,635 |
| Pretax return on assets | 0.2674% | 5,555 |
| Return on Equity (ROE) | 1.9765% | 5,502 |
| Retained earnings to average equity (ytd only) | 1.8118% | 4,536 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6329% | 630 |
| Assets per employee ($millions) | 4.1239% | 3,721 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.3285% | 4,945 |
| Net loans and leases to deposits | 65.8314% | 4,274 |
| Net loans and leases to core deposits | 71.7626% | 4,083 |
| Total domestic deposits to total assets | 73.4125% | 5,660 |
| Equity capital to assets | 8.4318% | 5,613 |
| Core capital (leverage) ratio | 8.7803% | 5,093 |
| Tier 1 risk-based capital ratio | 20.9268% | 1,330 |
| Total risk-based capital ratio | 22.0660% | 1,315 |
| Memoranda: | ||
| Average total assets | $55,347,500 | 5,395 |
| Average earning assets | $52,991,500 | 5,341 |
| Average equity | $4,857,000 | 5,649 |
| Average total loans | $28,430,000 | 5,401 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1748% | 5,541 |
| Cost of funding earning assets | 0.2548% | 4,730 |
| Net interest margin | 2.9200% | 5,296 |
| Noninterest income to average assets | 0.3022% | 4,719 |
| Noninterest expense to average assets | 2.8524% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1748% | 5,633 |
| Return on assets (ROA) | 0.1748% | 5,682 |
| Pretax return on assets | 0.2375% | 5,634 |
| Return on Equity (ROE) | 1.9074% | 5,588 |
| Retained earnings to average equity (ytd only) | 1.0366% | 5,104 |
| Net charge-offs to loans | 0.0034% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 487 |
| Efficiency ratio | 92.3124% | 557 |
| Assets per employee ($millions) | 3.7829% | 4,316 |
| Cash dividends to net income (ytd only)* | 45.6522% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.6772% | 4,536 |
| Net loans and leases to deposits | 68.6932% | 4,059 |
| Net loans and leases to core deposits | 75.0634% | 3,841 |
| Total domestic deposits to total assets | 78.1405% | 5,139 |
| Equity capital to assets | 9.1501% | 4,968 |
| Core capital (leverage) ratio | 9.2622% | 4,528 |
| Tier 1 risk-based capital ratio | 20.3238% | 1,422 |
| Total risk-based capital ratio | 21.4352% | 1,420 |
| Memoranda: | ||
| Average total assets | $52,622,600 | 5,491 |
| Average earning assets | $50,239,800 | 5,430 |
| Average equity | $4,823,400 | 5,693 |
| Average total loans | $29,419,400 | 5,382 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 5,614 |
| Cost of funding earning assets | 0.2580% | 4,789 |
| Net interest margin | 2.9236% | 5,366 |
| Noninterest income to average assets | 0.3147% | 4,690 |
| Noninterest expense to average assets | 2.8880% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1649% | 5,744 |
| Return on assets (ROA) | 0.1649% | 5,802 |
| Pretax return on assets | 0.2157% | 5,769 |
| Return on Equity (ROE) | 1.7988% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.7988% | 4,981 |
| Net charge-offs to loans | 0.0045% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 85.2105% | 713 |
| Efficiency ratio | 93.0499% | 521 |
| Assets per employee ($millions) | 3.7531% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 5,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.5268% | 4,508 |
| Net loans and leases to deposits | 70.2792% | 3,950 |
| Net loans and leases to core deposits | 76.8942% | 3,703 |
| Total domestic deposits to total assets | 77.5860% | 5,248 |
| Equity capital to assets | 9.2515% | 5,055 |
| Core capital (leverage) ratio | 9.1937% | 4,736 |
| Tier 1 risk-based capital ratio | 20.6307% | 1,418 |
| Total risk-based capital ratio | 21.7554% | 1,399 |
| Memoranda: | ||
| Average total assets | $52,538,000 | 5,566 |
| Average earning assets | $50,120,250 | 5,502 |
| Average equity | $4,817,750 | 5,770 |
| Average total loans | $29,601,000 | 5,439 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1651% | 5,666 |
| Cost of funding earning assets | 0.2594% | 4,840 |
| Net interest margin | 2.9056% | 5,433 |
| Noninterest income to average assets | 0.3426% | 4,503 |
| Noninterest expense to average assets | 2.9732% | 2,637 |
| Loan and lease loss provision to assets | 0.0038% | 4,009 |
| Net operating income to assets | 0.0876% | 5,890 |
| Return on assets (ROA) | 0.0876% | 5,934 |
| Pretax return on assets | 0.1370% | 5,897 |
| Return on Equity (ROE) | 0.9577% | 5,909 |
| Retained earnings to average equity (ytd only) | 0.9577% | 5,188 |
| Net charge-offs to loans | 0.0067% | 3,664 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,185 |
| Efficiency ratio | 95.4768% | 457 |
| Assets per employee ($millions) | 3.7449% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 5,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.0600% | 4,213 |
| Net loans and leases to deposits | 70.5150% | 3,872 |
| Net loans and leases to core deposits | 76.8594% | 3,679 |
| Total domestic deposits to total assets | 80.9190% | 4,636 |
| Equity capital to assets | 9.1915% | 5,032 |
| Core capital (leverage) ratio | 9.0779% | 4,853 |
| Tier 1 risk-based capital ratio | 20.0100% | 1,538 |
| Total risk-based capital ratio | 21.1145% | 1,539 |
| Memoranda: | ||
| Average total assets | $52,536,330 | 5,625 |
| Average earning assets | $50,109,330 | 5,558 |
| Average equity | $4,803,330 | 5,831 |
| Average total loans | $29,829,670 | 5,478 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1506% | 5,720 |
| Cost of funding earning assets | 0.2559% | 4,957 |
| Net interest margin | 2.8947% | 5,467 |
| Noninterest income to average assets | 0.3271% | 4,572 |
| Noninterest expense to average assets | 3.0880% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0076% | 6,024 |
| Return on assets (ROA) | -0.0076% | 6,065 |
| Pretax return on assets | -0.0076% | 6,056 |
| Return on Equity (ROE) | -0.0834% | 6,068 |
| Retained earnings to average equity (ytd only) | -0.0834% | 5,392 |
| Net charge-offs to loans | 0.0135% | 2,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,170 |
| Efficiency ratio | 100.2469% | 361 |
| Assets per employee ($millions) | 3.6247% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 5,425 |
| Loan loss allowance to noncurrent loans | 981.4815% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 4,366 |
| Noncurrent loans to loans | 0.0923% | 5,418 |
| Net loans and leases to total assets | 53.2941% | 4,515 |
| Net loans and leases to deposits | 69.3803% | 3,811 |
| Net loans and leases to core deposits | 75.7325% | 3,622 |
| Total domestic deposits to total assets | 76.8144% | 5,642 |
| Equity capital to assets | 8.8192% | 5,488 |
| Core capital (leverage) ratio | 9.0535% | 4,892 |
| Tier 1 risk-based capital ratio | 19.1831% | 1,823 |
| Total risk-based capital ratio | 19.1831% | 2,117 |
| Memoranda: | ||
| Average total assets | $52,590,000 | 5,670 |
| Average earning assets | $50,022,500 | 5,616 |
| Average equity | $4,795,500 | 5,885 |
| Average total loans | $29,653,500 | 5,526 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3724% | 5,581 |
| Cost of funding earning assets | 0.2898% | 4,903 |
| Net interest margin | 3.0826% | 5,247 |
| Noninterest income to average assets | 0.2764% | 5,140 |
| Noninterest expense to average assets | 2.9533% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1836% | 5,800 |
| Return on assets (ROA) | 0.1836% | 5,849 |
| Pretax return on assets | 0.2629% | 5,769 |
| Return on Equity (ROE) | 1.9884% | 5,768 |
| Retained earnings to average equity (ytd only) | 1.3186% | 5,185 |
| Net charge-offs to loans | 0.2983% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.4945% | 4,406 |
| Efficiency ratio | 91.8269% | 720 |
| Assets per employee ($millions) | 3.3873% | 5,090 |
| Cash dividends to net income (ytd only)* | 33.6842% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 5,518 |
| Loan loss allowance to noncurrent loans | 858.0645% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 3,892 |
| Noncurrent loans to loans | 0.1031% | 5,484 |
| Net loans and leases to total assets | 58.6499% | 3,972 |
| Net loans and leases to deposits | 71.7917% | 3,707 |
| Net loans and leases to core deposits | 77.4529% | 3,570 |
| Total domestic deposits to total assets | 81.6945% | 4,530 |
| Equity capital to assets | 9.4391% | 4,794 |
| Core capital (leverage) ratio | 9.0651% | 4,881 |
| Tier 1 risk-based capital ratio | 18.6433% | 1,947 |
| Total risk-based capital ratio | 19.6774% | 1,979 |
| Memoranda: | ||
| Average total assets | $51,738,400 | 5,749 |
| Average earning assets | $49,342,000 | 5,695 |
| Average equity | $4,777,800 | 5,913 |
| Average total loans | $30,505,000 | 5,547 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3673% | 5,642 |
| Cost of funding earning assets | 0.2927% | 4,957 |
| Net interest margin | 3.0746% | 5,324 |
| Noninterest income to average assets | 0.2668% | 5,296 |
| Noninterest expense to average assets | 2.8990% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2155% | 5,818 |
| Return on assets (ROA) | 0.2155% | 5,864 |
| Pretax return on assets | 0.3053% | 5,763 |
| Return on Equity (ROE) | 2.3464% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.3464% | 4,878 |
| Net charge-offs to loans | 0.0566% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.1552% | 2,706 |
| Efficiency ratio | 90.4724% | 814 |
| Assets per employee ($millions) | 3.6896% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 4,650 |
| Loan loss allowance to noncurrent loans | 315.5963% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 4,963 |
| Noncurrent loans to loans | 0.3556% | 4,837 |
| Net loans and leases to total assets | 58.6700% | 3,981 |
| Net loans and leases to deposits | 73.0652% | 3,556 |
| Net loans and leases to core deposits | 78.8233% | 3,458 |
| Total domestic deposits to total assets | 80.2981% | 5,017 |
| Equity capital to assets | 9.3273% | 5,011 |
| Core capital (leverage) ratio | 9.1547% | 4,846 |
| Tier 1 risk-based capital ratio | 18.5476% | 2,035 |
| Total risk-based capital ratio | 19.7990% | 1,997 |
| Memoranda: | ||
| Average total assets | $51,970,500 | 5,803 |
| Average earning assets | $49,652,500 | 5,750 |
| Average equity | $4,773,250 | 5,978 |
| Average total loans | $30,614,750 | 5,594 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,728 |
| Cost of funding earning assets | 0.2976% | 4,993 |
| Net interest margin | 3.0439% | 5,411 |
| Noninterest income to average assets | 0.2650% | 5,308 |
| Noninterest expense to average assets | 2.8919% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1805% | 5,892 |
| Return on assets (ROA) | 0.1805% | 5,937 |
| Pretax return on assets | 0.2804% | 5,820 |
| Return on Equity (ROE) | 1.9755% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.9755% | 4,889 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1622% | 822 |
| Assets per employee ($millions) | 3.6613% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 4,760 |
| Loan loss allowance to noncurrent loans | 1,322.2222% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 5,632 |
| Noncurrent loans to loans | 0.0855% | 5,763 |
| Net loans and leases to total assets | 60.8900% | 3,584 |
| Net loans and leases to deposits | 72.5787% | 3,491 |
| Net loans and leases to core deposits | 78.0919% | 3,427 |
| Total domestic deposits to total assets | 83.8952% | 3,963 |
| Equity capital to assets | 9.3273% | 4,954 |
| Core capital (leverage) ratio | 8.9632% | 5,076 |
| Tier 1 risk-based capital ratio | 18.1294% | 2,195 |
| Total risk-based capital ratio | 19.3810% | 2,165 |
| Memoranda: | ||
| Average total assets | $52,075,670 | 5,854 |
| Average earning assets | $49,739,330 | 5,795 |
| Average equity | $4,758,330 | 6,023 |
| Average total loans | $30,603,000 | 5,641 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 5,890 |
| Cost of funding earning assets | 0.3030% | 5,033 |
| Net interest margin | 2.9741% | 5,582 |
| Noninterest income to average assets | 0.2667% | 5,235 |
| Noninterest expense to average assets | 2.8351% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1753% | 5,865 |
| Return on assets (ROA) | 0.1753% | 5,911 |
| Pretax return on assets | 0.2744% | 5,774 |
| Return on Equity (ROE) | 1.9381% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.9381% | 4,820 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1765% | 934 |
| Assets per employee ($millions) | 3.8284% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 4,674 |
| Loan loss allowance to noncurrent loans | 247.9167% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 5,020 |
| Noncurrent loans to loans | 0.4805% | 4,719 |
| Net loans and leases to total assets | 55.2512% | 4,244 |
| Net loans and leases to deposits | 67.6451% | 3,896 |
| Net loans and leases to core deposits | 72.6789% | 3,799 |
| Total domestic deposits to total assets | 81.6781% | 5,033 |
| Equity capital to assets | 8.8774% | 5,249 |
| Core capital (leverage) ratio | 8.9579% | 5,075 |
| Tier 1 risk-based capital ratio | 18.1264% | 2,242 |
| Total risk-based capital ratio | 19.3765% | 2,215 |
| Memoranda: | ||
| Average total assets | $52,484,500 | 5,903 |
| Average earning assets | $50,166,000 | 5,836 |
| Average equity | $4,747,000 | 6,062 |
| Average total loans | $30,120,500 | 5,714 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3696% | 5,897 |
| Cost of funding earning assets | 0.4210% | 4,425 |
| Net interest margin | 2.9487% | 5,683 |
| Noninterest income to average assets | 0.3189% | 5,054 |
| Noninterest expense to average assets | 2.8661% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1566% | 5,929 |
| Return on assets (ROA) | 0.1566% | 5,992 |
| Pretax return on assets | 0.2750% | 5,795 |
| Return on Equity (ROE) | 1.7235% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.3573% | 5,689 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2462% | 928 |
| Assets per employee ($millions) | 3.9517% | 3,965 |
| Cash dividends to net income (ytd only)* | 79.2683% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 4,758 |
| Loan loss allowance to noncurrent loans | 850.0000% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,706 |
| Noncurrent loans to loans | 0.1387% | 5,790 |
| Net loans and leases to total assets | 58.2302% | 3,999 |
| Net loans and leases to deposits | 70.1729% | 3,765 |
| Net loans and leases to core deposits | 75.6053% | 3,657 |
| Total domestic deposits to total assets | 82.9810% | 4,550 |
| Equity capital to assets | 9.2190% | 4,783 |
| Core capital (leverage) ratio | 8.7611% | 5,350 |
| Tier 1 risk-based capital ratio | 18.3343% | 2,137 |
| Total risk-based capital ratio | 19.5855% | 2,094 |
| Memoranda: | ||
| Average total assets | $52,370,400 | 5,959 |
| Average earning assets | $50,124,600 | 5,885 |
| Average equity | $4,757,800 | 6,126 |
| Average total loans | $30,830,000 | 5,720 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 5,943 |
| Cost of funding earning assets | 0.4313% | 4,494 |
| Net interest margin | 2.9395% | 5,715 |
| Noninterest income to average assets | 0.3243% | 5,087 |
| Noninterest expense to average assets | 2.8303% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2002% | 5,913 |
| Return on assets (ROA) | 0.2002% | 5,993 |
| Pretax return on assets | 0.3091% | 5,855 |
| Return on Equity (ROE) | 2.2113% | 5,875 |
| Retained earnings to average equity (ytd only) | 2.2113% | 4,999 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1533% | 979 |
| Assets per employee ($millions) | 3.8194% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 4,921 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 5,915 |
| Noncurrent loans to loans | 0.1131% | 5,992 |
| Net loans and leases to total assets | 55.5460% | 4,384 |
| Net loans and leases to deposits | 69.8042% | 3,813 |
| Net loans and leases to core deposits | 75.2000% | 3,711 |
| Total domestic deposits to total assets | 79.5740% | 5,615 |
| Equity capital to assets | 8.9768% | 5,216 |
| Core capital (leverage) ratio | 8.8608% | 5,307 |
| Tier 1 risk-based capital ratio | 18.6395% | 2,101 |
| Total risk-based capital ratio | 19.8912% | 2,071 |
| Memoranda: | ||
| Average total assets | $52,620,000 | 6,017 |
| Average earning assets | $50,392,500 | 5,944 |
| Average equity | $4,763,250 | 6,203 |
| Average total loans | $30,969,750 | 5,766 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 5,861 |
| Cost of funding earning assets | 0.4428% | 4,506 |
| Net interest margin | 2.9760% | 5,627 |
| Noninterest income to average assets | 0.3516% | 4,878 |
| Noninterest expense to average assets | 2.8928% | 3,359 |
| Loan and lease loss provision to assets | 0.0038% | 4,739 |
| Net operating income to assets | 0.1987% | 5,893 |
| Return on assets (ROA) | 0.1987% | 6,020 |
| Pretax return on assets | 0.3057% | 5,866 |
| Return on Equity (ROE) | 2.1890% | 5,890 |
| Retained earnings to average equity (ytd only) | 2.1890% | 4,886 |
| Net charge-offs to loans | 0.0064% | 4,758 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 559 |
| Efficiency ratio | 90.3341% | 1,036 |
| Assets per employee ($millions) | 4.0945% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 5,211 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 5,972 |
| Noncurrent loans to loans | 0.1101% | 6,068 |
| Net loans and leases to total assets | 57.3503% | 4,083 |
| Net loans and leases to deposits | 70.0739% | 3,705 |
| Net loans and leases to core deposits | 75.8190% | 3,565 |
| Total domestic deposits to total assets | 81.8426% | 5,098 |
| Equity capital to assets | 8.9688% | 5,250 |
| Core capital (leverage) ratio | 9.0414% | 4,920 |
| Tier 1 risk-based capital ratio | 18.0206% | 2,309 |
| Total risk-based capital ratio | 19.2719% | 2,276 |
| Memoranda: | ||
| Average total assets | $52,336,330 | 6,065 |
| Average earning assets | $50,135,000 | 5,990 |
| Average equity | $4,751,000 | 6,256 |
| Average total loans | $31,273,670 | 5,790 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 5,853 |
| Cost of funding earning assets | 0.4665% | 4,413 |
| Net interest margin | 2.9762% | 5,629 |
| Noninterest income to average assets | 0.3777% | 4,642 |
| Noninterest expense to average assets | 2.8599% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2390% | 5,765 |
| Return on assets (ROA) | 0.2390% | 5,889 |
| Pretax return on assets | 0.3700% | 5,645 |
| Return on Equity (ROE) | 2.6163% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.6163% | 4,713 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5442% | 1,270 |
| Assets per employee ($millions) | 3.5350% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,471 |
| Loan loss allowance to noncurrent loans | 113.6943% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 4,613 |
| Noncurrent loans to loans | 0.9966% | 4,136 |
| Net loans and leases to total assets | 58.7440% | 3,659 |
| Net loans and leases to deposits | 73.0494% | 3,040 |
| Net loans and leases to core deposits | 79.1588% | 2,906 |
| Total domestic deposits to total assets | 80.4168% | 5,664 |
| Equity capital to assets | 8.9675% | 5,525 |
| Core capital (leverage) ratio | 9.0813% | 4,745 |
| Tier 1 risk-based capital ratio | 17.8378% | 2,432 |
| Total risk-based capital ratio | 19.0891% | 2,395 |
| Memoranda: | ||
| Average total assets | $51,890,000 | 6,129 |
| Average earning assets | $49,728,000 | 6,056 |
| Average equity | $4,739,500 | 6,322 |
| Average total loans | $31,468,500 | 5,823 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 5,631 |
| Cost of funding earning assets | 0.5773% | 4,564 |
| Net interest margin | 3.3037% | 5,235 |
| Noninterest income to average assets | 0.2995% | 5,320 |
| Noninterest expense to average assets | 3.0516% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2593% | 5,602 |
| Return on assets (ROA) | 0.2593% | 5,810 |
| Pretax return on assets | 0.4001% | 5,578 |
| Return on Equity (ROE) | 2.7373% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.3581% | 5,197 |
| Net charge-offs to loans | 0.0092% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 543 |
| Efficiency ratio | 88.4100% | 1,205 |
| Assets per employee ($millions) | 3.3837% | 5,252 |
| Cash dividends to net income (ytd only)* | 50.3876% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 6,276 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.2235% | 3,388 |
| Net loans and leases to deposits | 75.7773% | 2,836 |
| Net loans and leases to core deposits | 82.3654% | 2,734 |
| Total domestic deposits to total assets | 80.7940% | 5,457 |
| Equity capital to assets | 9.3075% | 5,146 |
| Core capital (leverage) ratio | 9.2573% | 4,490 |
| Tier 1 risk-based capital ratio | 17.8646% | 2,310 |
| Total risk-based capital ratio | 19.1149% | 2,282 |
| Memoranda: | ||
| Average total assets | $49,743,600 | 6,219 |
| Average earning assets | $47,461,600 | 6,133 |
| Average equity | $4,712,600 | 6,382 |
| Average total loans | $32,489,800 | 5,828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 5,696 |
| Cost of funding earning assets | 0.5991% | 4,659 |
| Net interest margin | 3.3372% | 5,259 |
| Noninterest income to average assets | 0.2802% | 5,535 |
| Noninterest expense to average assets | 3.0443% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2694% | 5,720 |
| Return on assets (ROA) | 0.2694% | 5,918 |
| Pretax return on assets | 0.4176% | 5,678 |
| Return on Equity (ROE) | 2.8309% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.8309% | 4,852 |
| Net charge-offs to loans | 0.0122% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 51.6650% | 737 |
| Efficiency ratio | 87.9377% | 1,199 |
| Assets per employee ($millions) | 3.3085% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,710 |
| Loan loss allowance to noncurrent loans | 435.3659% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 5,986 |
| Noncurrent loans to loans | 0.2533% | 5,980 |
| Net loans and leases to total assets | 64.5032% | 2,931 |
| Net loans and leases to deposits | 83.1152% | 1,985 |
| Net loans and leases to core deposits | 90.8242% | 1,892 |
| Total domestic deposits to total assets | 77.6069% | 6,143 |
| Equity capital to assets | 9.5956% | 5,067 |
| Core capital (leverage) ratio | 9.5002% | 4,271 |
| Tier 1 risk-based capital ratio | 17.9939% | 2,350 |
| Total risk-based capital ratio | 19.2434% | 2,328 |
| Memoranda: | ||
| Average total assets | $49,490,750 | 6,299 |
| Average earning assets | $47,183,500 | 6,216 |
| Average equity | $4,709,750 | 6,455 |
| Average total loans | $32,754,500 | 5,891 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 5,689 |
| Cost of funding earning assets | 0.6324% | 4,606 |
| Net interest margin | 3.3531% | 5,254 |
| Noninterest income to average assets | 0.2710% | 5,639 |
| Noninterest expense to average assets | 3.0984% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2386% | 5,800 |
| Return on assets (ROA) | 0.2386% | 5,988 |
| Pretax return on assets | 0.3681% | 5,786 |
| Return on Equity (ROE) | 2.5147% | 5,875 |
| Retained earnings to average equity (ytd only) | 2.5147% | 4,931 |
| Net charge-offs to loans | 0.0182% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,061 |
| Efficiency ratio | 89.3816% | 1,129 |
| Assets per employee ($millions) | 3.2591% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 5,823 |
| Loan loss allowance to noncurrent loans | 244.5205% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 5,729 |
| Noncurrent loans to loans | 0.4457% | 5,648 |
| Net loans and leases to total assets | 66.2814% | 2,614 |
| Net loans and leases to deposits | 80.9468% | 2,235 |
| Net loans and leases to core deposits | 88.1187% | 2,195 |
| Total domestic deposits to total assets | 81.8827% | 5,178 |
| Equity capital to assets | 9.6549% | 4,819 |
| Core capital (leverage) ratio | 9.4316% | 4,250 |
| Tier 1 risk-based capital ratio | 17.7312% | 2,387 |
| Total risk-based capital ratio | 18.9808% | 2,351 |
| Memoranda: | ||
| Average total assets | $49,445,330 | 6,333 |
| Average earning assets | $47,121,000 | 6,259 |
| Average equity | $4,692,330 | 6,488 |
| Average total loans | $32,883,330 | 5,914 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 5,697 |
| Cost of funding earning assets | 0.6589% | 4,649 |
| Net interest margin | 3.3619% | 5,257 |
| Noninterest income to average assets | 0.3057% | 5,440 |
| Noninterest expense to average assets | 3.0971% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2655% | 5,767 |
| Return on assets (ROA) | 0.2655% | 5,929 |
| Pretax return on assets | 0.4103% | 5,691 |
| Return on Equity (ROE) | 2.8214% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.8214% | 4,842 |
| Net charge-offs to loans | 0.0486% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,577 |
| Efficiency ratio | 88.3028% | 1,250 |
| Assets per employee ($millions) | 3.3765% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 6,590 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 62.9877% | 3,046 |
| Net loans and leases to deposits | 77.2614% | 2,637 |
| Net loans and leases to core deposits | 83.8577% | 2,560 |
| Total domestic deposits to total assets | 81.5254% | 5,457 |
| Equity capital to assets | 9.2699% | 5,132 |
| Core capital (leverage) ratio | 9.4429% | 4,132 |
| Tier 1 risk-based capital ratio | 17.6692% | 2,418 |
| Total risk-based capital ratio | 18.9214% | 2,388 |
| Memoranda: | ||
| Average total assets | $49,724,500 | 6,375 |
| Average earning assets | $47,353,500 | 6,291 |
| Average equity | $4,678,500 | 6,519 |
| Average total loans | $32,945,000 | 5,957 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 5,228 |
| Cost of funding earning assets | 0.8878% | 4,202 |
| Net interest margin | 3.5690% | 4,850 |
| Noninterest income to average assets | 0.3687% | 4,870 |
| Noninterest expense to average assets | 3.4529% | 2,112 |
| Loan and lease loss provision to assets | 0.0253% | 6,257 |
| Net operating income to assets | 0.1812% | 5,641 |
| Return on assets (ROA) | 0.1812% | 5,780 |
| Pretax return on assets | 0.2697% | 5,637 |
| Return on Equity (ROE) | 1.8558% | 5,719 |
| Retained earnings to average equity (ytd only) | 0.9279% | 5,428 |
| Net charge-offs to loans | 0.0926% | 5,415 |
| Credit loss provision to net charge-offs | 38.7097% | 5,650 |
| Earnings coverage of net charge-offs (x) | 4.5161% | 3,084 |
| Efficiency ratio | 92.1304% | 1,037 |
| Assets per employee ($millions) | 3.4858% | 5,049 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,926 |
| Loan loss allowance to noncurrent loans | 131.8681% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 5,279 |
| Noncurrent loans to loans | 0.8117% | 5,072 |
| Net loans and leases to total assets | 68.1789% | 2,357 |
| Net loans and leases to deposits | 83.4094% | 2,006 |
| Net loans and leases to core deposits | 90.7732% | 2,012 |
| Total domestic deposits to total assets | 81.7401% | 5,215 |
| Equity capital to assets | 9.5531% | 4,800 |
| Core capital (leverage) ratio | 9.4530% | 4,107 |
| Tier 1 risk-based capital ratio | 17.4141% | 2,414 |
| Total risk-based capital ratio | 18.6644% | 2,381 |
| Memoranda: | ||
| Average total assets | $47,467,200 | 6,438 |
| Average earning assets | $44,943,000 | 6,359 |
| Average equity | $4,634,000 | 6,551 |
| Average total loans | $33,473,800 | 5,979 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 5,228 |
| Cost of funding earning assets | 0.9362% | 4,147 |
| Net interest margin | 3.5743% | 4,870 |
| Noninterest income to average assets | 0.3677% | 4,929 |
| Noninterest expense to average assets | 3.4963% | 1,950 |
| Loan and lease loss provision to assets | 0.0424% | 5,907 |
| Net operating income to assets | 0.1131% | 5,932 |
| Return on assets (ROA) | 0.1131% | 6,048 |
| Pretax return on assets | 0.2093% | 5,879 |
| Return on Equity (ROE) | 1.1526% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.1526% | 5,555 |
| Net charge-offs to loans | 0.1236% | 4,803 |
| Credit loss provision to net charge-offs | 48.3871% | 5,068 |
| Earnings coverage of net charge-offs (x) | 2.8710% | 3,705 |
| Efficiency ratio | 93.2830% | 952 |
| Assets per employee ($millions) | 3.0246% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 5,998 |
| Loan loss allowance to noncurrent loans | 285.8268% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 6,109 |
| Noncurrent loans to loans | 0.3735% | 6,102 |
| Net loans and leases to total assets | 69.5169% | 2,175 |
| Net loans and leases to deposits | 88.0381% | 1,430 |
| Net loans and leases to core deposits | 96.1502% | 1,592 |
| Total domestic deposits to total assets | 78.9623% | 5,992 |
| Equity capital to assets | 9.6293% | 4,893 |
| Core capital (leverage) ratio | 9.6609% | 3,900 |
| Tier 1 risk-based capital ratio | 17.2690% | 2,542 |
| Total risk-based capital ratio | 18.5209% | 2,502 |
| Memoranda: | ||
| Average total assets | $47,133,750 | 6,507 |
| Average earning assets | $44,576,750 | 6,435 |
| Average equity | $4,627,000 | 6,603 |
| Average total loans | $33,434,250 | 6,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 5,138 |
| Cost of funding earning assets | 0.9790% | 4,099 |
| Net interest margin | 3.5807% | 4,784 |
| Noninterest income to average assets | 0.3596% | 5,008 |
| Noninterest expense to average assets | 3.5364% | 1,891 |
| Loan and lease loss provision to assets | 0.0514% | 5,670 |
| Net operating income to assets | 0.0642% | 6,085 |
| Return on assets (ROA) | 0.0642% | 6,170 |
| Pretax return on assets | 0.1541% | 6,011 |
| Return on Equity (ROE) | 0.6499% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.6499% | 5,596 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5080% | 943 |
| Assets per employee ($millions) | 2.9642% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,628 |
| Loan loss allowance to noncurrent loans | 454.6512% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 6,359 |
| Noncurrent loans to loans | 0.2600% | 6,406 |
| Net loans and leases to total assets | 68.9228% | 2,431 |
| Net loans and leases to deposits | 84.5744% | 2,020 |
| Net loans and leases to core deposits | 92.2374% | 2,099 |
| Total domestic deposits to total assets | 81.4937% | 5,351 |
| Equity capital to assets | 9.7645% | 4,436 |
| Core capital (leverage) ratio | 9.5340% | 3,903 |
| Tier 1 risk-based capital ratio | 17.7192% | 2,260 |
| Total risk-based capital ratio | 18.9723% | 2,219 |
| Memoranda: | ||
| Average total assets | $46,713,670 | 6,573 |
| Average earning assets | $44,125,330 | 6,503 |
| Average equity | $4,616,000 | 6,648 |
| Average total loans | $33,244,000 | 6,121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 4,924 |
| Cost of funding earning assets | 0.9867% | 4,292 |
| Net interest margin | 3.6178% | 4,494 |
| Noninterest income to average assets | 0.3624% | 5,017 |
| Noninterest expense to average assets | 3.5809% | 1,813 |
| Loan and lease loss provision to assets | 0.1035% | 4,715 |
| Net operating income to assets | -0.0086% | 6,365 |
| Return on assets (ROA) | -0.0086% | 6,390 |
| Pretax return on assets | 0.0949% | 6,178 |
| Return on Equity (ROE) | -0.0868% | 6,392 |
| Retained earnings to average equity (ytd only) | -0.0868% | 5,805 |
| Net charge-offs to loans | 0.0120% | 4,915 |
| Credit loss provision to net charge-offs | 1,200.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,033 |
| Efficiency ratio | 94.7489% | 996 |
| Assets per employee ($millions) | 2.9606% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,690 |
| Loan loss allowance to noncurrent loans | 1,258.0645% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 6,676 |
| Noncurrent loans to loans | 0.0944% | 6,811 |
| Net loans and leases to total assets | 68.4878% | 2,455 |
| Net loans and leases to deposits | 84.7448% | 1,917 |
| Net loans and leases to core deposits | 92.4721% | 2,071 |
| Total domestic deposits to total assets | 80.8166% | 5,716 |
| Equity capital to assets | 9.7279% | 4,142 |
| Core capital (leverage) ratio | 9.9465% | 3,205 |
| Tier 1 risk-based capital ratio | 17.5423% | 2,275 |
| Total risk-based capital ratio | 18.7947% | 2,243 |
| Memoranda: | ||
| Average total assets | $46,357,000 | 6,629 |
| Average earning assets | $43,783,000 | 6,569 |
| Average equity | $4,608,500 | 6,684 |
| Average total loans | $33,326,500 | 6,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 4,083 |
| Cost of funding earning assets | 1.1071% | 5,103 |
| Net interest margin | 3.9966% | 3,033 |
| Noninterest income to average assets | 0.4663% | 4,402 |
| Noninterest expense to average assets | 3.5049% | 2,158 |
| Loan and lease loss provision to assets | 0.1489% | 5,707 |
| Net operating income to assets | 0.3984% | 4,545 |
| Return on assets (ROA) | 0.3984% | 4,687 |
| Pretax return on assets | 0.5823% | 4,379 |
| Return on Equity (ROE) | 3.9747% | 4,540 |
| Retained earnings to average equity (ytd only) | 2.3368% | 4,242 |
| Net charge-offs to loans | -0.0029% | 7,243 |
| Credit loss provision to net charge-offs | -6,800.0000% | 7,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7390% | 2,077 |
| Assets per employee ($millions) | 2.8341% | 6,467 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 6,906 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 73.7501% | 1,709 |
| Net loans and leases to deposits | 91.2171% | 1,366 |
| Net loans and leases to core deposits | 99.8955% | 1,625 |
| Total domestic deposits to total assets | 80.8513% | 5,567 |
| Equity capital to assets | 10.1643% | 3,539 |
| Core capital (leverage) ratio | 9.9611% | 3,136 |
| Tier 1 risk-based capital ratio | 17.5127% | 2,168 |
| Total risk-based capital ratio | 18.7666% | 2,132 |
| Memoranda: | ||
| Average total assets | $45,679,200 | 6,675 |
| Average earning assets | $43,086,400 | 6,614 |
| Average equity | $4,579,000 | 6,792 |
| Average total loans | $34,718,200 | 6,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 4,072 |
| Cost of funding earning assets | 1.1211% | 5,312 |
| Net interest margin | 4.0303% | 2,955 |
| Noninterest income to average assets | 0.4720% | 4,399 |
| Noninterest expense to average assets | 3.5370% | 1,944 |
| Loan and lease loss provision to assets | 0.1457% | 5,580 |
| Net operating income to assets | 0.4108% | 4,701 |
| Return on assets (ROA) | 0.4108% | 4,878 |
| Pretax return on assets | 0.5914% | 4,627 |
| Return on Equity (ROE) | 4.1124% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.1124% | 3,579 |
| Net charge-offs to loans | -0.0038% | 7,193 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7539% | 1,976 |
| Assets per employee ($millions) | 2.8949% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 6,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 7,034 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.8647% | 2,282 |
| Net loans and leases to deposits | 90.4735% | 1,655 |
| Net loans and leases to core deposits | 98.2787% | 2,015 |
| Total domestic deposits to total assets | 79.4318% | 5,890 |
| Equity capital to assets | 10.0240% | 4,133 |
| Core capital (leverage) ratio | 9.8783% | 3,385 |
| Tier 1 risk-based capital ratio | 17.7825% | 2,084 |
| Total risk-based capital ratio | 19.0349% | 2,049 |
| Memoranda: | ||
| Average total assets | $45,762,750 | 6,753 |
| Average earning assets | $43,171,750 | 6,690 |
| Average equity | $4,571,500 | 6,885 |
| Average total loans | $34,942,500 | 6,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 3,943 |
| Cost of funding earning assets | 1.1364% | 5,478 |
| Net interest margin | 4.0659% | 2,717 |
| Noninterest income to average assets | 0.5002% | 4,116 |
| Noninterest expense to average assets | 3.5237% | 1,972 |
| Loan and lease loss provision to assets | 0.1667% | 5,216 |
| Net operating income to assets | 0.4169% | 4,677 |
| Return on assets (ROA) | 0.4169% | 4,836 |
| Pretax return on assets | 0.6407% | 4,430 |
| Return on Equity (ROE) | 4.1780% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.1780% | 3,413 |
| Net charge-offs to loans | -0.0057% | 7,123 |
| Credit loss provision to net charge-offs | -3,800.0000% | 7,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3576% | 2,248 |
| Assets per employee ($millions) | 2.9116% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 7,067 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 74.6206% | 1,783 |
| Net loans and leases to deposits | 93.7411% | 1,312 |
| Net loans and leases to core deposits | 101.7206% | 1,850 |
| Total domestic deposits to total assets | 79.6029% | 5,859 |
| Equity capital to assets | 9.8680% | 4,175 |
| Core capital (leverage) ratio | 10.1363% | 3,014 |
| Tier 1 risk-based capital ratio | 17.2437% | 2,185 |
| Total risk-based capital ratio | 18.4928% | 2,149 |
| Memoranda: | ||
| Average total assets | $45,577,330 | 6,802 |
| Average earning assets | $42,942,330 | 6,741 |
| Average equity | $4,547,670 | 6,921 |
| Average total loans | $35,374,000 | 6,269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 3,683 |
| Cost of funding earning assets | 1.1619% | 5,595 |
| Net interest margin | 4.1092% | 2,404 |
| Noninterest income to average assets | 0.4526% | 4,442 |
| Noninterest expense to average assets | 3.5586% | 1,823 |
| Loan and lease loss provision to assets | 0.1597% | 4,934 |
| Net operating income to assets | 0.3639% | 5,005 |
| Return on assets (ROA) | 0.3639% | 5,130 |
| Pretax return on assets | 0.5946% | 4,625 |
| Return on Equity (ROE) | 3.6259% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.6259% | 3,977 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5103% | 2,205 |
| Assets per employee ($millions) | 2.7939% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 6,739 |
| Loan loss allowance to noncurrent loans | 258.2677% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 5,729 |
| Noncurrent loans to loans | 0.3604% | 6,581 |
| Net loans and leases to total assets | 78.1021% | 1,137 |
| Net loans and leases to deposits | 97.7354% | 932 |
| Net loans and leases to core deposits | 107.1738% | 1,481 |
| Total domestic deposits to total assets | 79.9119% | 5,809 |
| Equity capital to assets | 10.1649% | 3,649 |
| Core capital (leverage) ratio | 9.9829% | 3,184 |
| Tier 1 risk-based capital ratio | 17.2507% | 2,173 |
| Total risk-based capital ratio | 18.4959% | 2,130 |
| Memoranda: | ||
| Average total assets | $45,073,500 | 6,908 |
| Average earning assets | $42,344,500 | 6,844 |
| Average equity | $4,523,000 | 6,997 |
| Average total loans | $35,505,500 | 6,340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 4,161 |
| Cost of funding earning assets | 1.4380% | 5,771 |
| Net interest margin | 4.0588% | 2,615 |
| Noninterest income to average assets | 0.4847% | 4,531 |
| Noninterest expense to average assets | 3.5675% | 2,228 |
| Loan and lease loss provision to assets | 0.1531% | 6,141 |
| Net operating income to assets | 0.3444% | 4,350 |
| Return on assets (ROA) | 0.3444% | 4,446 |
| Pretax return on assets | 0.5868% | 3,939 |
| Return on Equity (ROE) | 3.6066% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.9369% | 3,742 |
| Net charge-offs to loans | 0.0781% | 6,328 |
| Credit loss provision to net charge-offs | 248.2759% | 1,429 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,543 |
| Efficiency ratio | 82.8233% | 2,498 |
| Assets per employee ($millions) | 2.8403% | 6,583 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 6,398 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.0279% | 1,376 |
| Net loans and leases to deposits | 95.3583% | 1,408 |
| Net loans and leases to core deposits | 118.9380% | 2,041 |
| Total domestic deposits to total assets | 81.8260% | 5,022 |
| Equity capital to assets | 9.9067% | 3,887 |
| Core capital (leverage) ratio | 9.6376% | 3,539 |
| Tier 1 risk-based capital ratio | 16.5752% | 2,283 |
| Total risk-based capital ratio | 17.7166% | 2,280 |
| Memoranda: | ||
| Average total assets | $47,035,800 | 6,828 |
| Average earning assets | $44,298,600 | 6,749 |
| Average equity | $4,491,800 | 7,120 |
| Average total loans | $37,129,000 | 6,246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5028% | 4,405 |
| Cost of funding earning assets | 1.4942% | 5,849 |
| Net interest margin | 4.0085% | 2,777 |
| Noninterest income to average assets | 0.4835% | 4,638 |
| Noninterest expense to average assets | 3.4658% | 2,372 |
| Loan and lease loss provision to assets | 0.1518% | 5,833 |
| Net operating income to assets | 0.3738% | 4,496 |
| Return on assets (ROA) | 0.3738% | 4,604 |
| Pretax return on assets | 0.6437% | 4,043 |
| Return on Equity (ROE) | 3.9501% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.9501% | 3,070 |
| Net charge-offs to loans | 0.1032% | 5,641 |
| Credit loss provision to net charge-offs | 186.2069% | 2,447 |
| Earnings coverage of net charge-offs (x) | 9.7574% | 2,064 |
| Efficiency ratio | 81.3325% | 2,672 |
| Assets per employee ($millions) | 2.9424% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 7,106 |
| Loan loss allowance to noncurrent loans | 1,946.6667% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 6,349 |
| Noncurrent loans to loans | 0.0412% | 7,407 |
| Net loans and leases to total assets | 76.6791% | 1,852 |
| Net loans and leases to deposits | 94.2459% | 1,846 |
| Net loans and leases to core deposits | 115.9025% | 2,635 |
| Total domestic deposits to total assets | 81.3607% | 4,938 |
| Equity capital to assets | 9.6606% | 4,546 |
| Core capital (leverage) ratio | 9.1673% | 4,387 |
| Tier 1 risk-based capital ratio | 16.1787% | 2,566 |
| Total risk-based capital ratio | 17.2175% | 2,575 |
| Memoranda: | ||
| Average total assets | $47,433,750 | 6,859 |
| Average earning assets | $44,703,750 | 6,786 |
| Average equity | $4,489,250 | 7,183 |
| Average total loans | $37,469,000 | 6,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 4,338 |
| Cost of funding earning assets | 1.5458% | 5,945 |
| Net interest margin | 4.0047% | 2,681 |
| Noninterest income to average assets | 0.4879% | 4,552 |
| Noninterest expense to average assets | 3.3984% | 2,635 |
| Loan and lease loss provision to assets | 0.1514% | 5,556 |
| Net operating income to assets | 0.4458% | 4,308 |
| Return on assets (ROA) | 0.4458% | 4,413 |
| Pretax return on assets | 0.7192% | 3,938 |
| Return on Equity (ROE) | 4.7431% | 4,188 |
| Retained earnings to average equity (ytd only) | 4.7431% | 2,664 |
| Net charge-offs to loans | -0.0053% | 7,533 |
| Credit loss provision to net charge-offs | -3,600.0000% | 7,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6059% | 3,112 |
| Assets per employee ($millions) | 3.0370% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 7,092 |
| Loan loss allowance to noncurrent loans | 204.0268% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 6,382 |
| Noncurrent loans to loans | 0.4013% | 6,505 |
| Net loans and leases to total assets | 75.7779% | 2,233 |
| Net loans and leases to deposits | 90.1947% | 2,807 |
| Net loans and leases to core deposits | 109.6578% | 3,415 |
| Total domestic deposits to total assets | 84.0159% | 3,761 |
| Equity capital to assets | 9.3040% | 4,859 |
| Core capital (leverage) ratio | 9.3063% | 4,156 |
| Tier 1 risk-based capital ratio | 16.0234% | 2,620 |
| Total risk-based capital ratio | 17.1008% | 2,617 |
| Memoranda: | ||
| Average total assets | $47,552,330 | 6,918 |
| Average earning assets | $44,897,000 | 6,842 |
| Average equity | $4,469,670 | 7,250 |
| Average total loans | $37,828,330 | 6,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 4,280 |
| Cost of funding earning assets | 1.6280% | 5,911 |
| Net interest margin | 3.9847% | 2,709 |
| Noninterest income to average assets | 0.4763% | 4,542 |
| Noninterest expense to average assets | 3.3254% | 2,583 |
| Loan and lease loss provision to assets | 0.1531% | 4,972 |
| Net operating income to assets | 0.4933% | 4,449 |
| Return on assets (ROA) | 0.4933% | 4,637 |
| Pretax return on assets | 0.7654% | 4,206 |
| Return on Equity (ROE) | 5.2205% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.2205% | 3,007 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1563% | 3,137 |
| Assets per employee ($millions) | 3.0007% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 7,299 |
| Loan loss allowance to noncurrent loans | 221.7054% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 6,323 |
| Noncurrent loans to loans | 0.3405% | 6,579 |
| Net loans and leases to total assets | 78.3071% | 1,745 |
| Net loans and leases to deposits | 93.4503% | 2,367 |
| Net loans and leases to core deposits | 113.5762% | 3,050 |
| Total domestic deposits to total assets | 83.7954% | 3,805 |
| Equity capital to assets | 9.3166% | 4,915 |
| Core capital (leverage) ratio | 9.3166% | 4,220 |
| Tier 1 risk-based capital ratio | 15.9779% | 2,697 |
| Total risk-based capital ratio | 16.7851% | 2,773 |
| Memoranda: | ||
| Average total assets | $47,032,500 | 6,988 |
| Average earning assets | $44,470,500 | 6,903 |
| Average equity | $4,444,000 | 7,305 |
| Average total loans | $38,179,500 | 6,324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0135% | 5,484 |
| Cost of funding earning assets | 2.3044% | 5,128 |
| Net interest margin | 3.7091% | 4,435 |
| Noninterest income to average assets | 0.4896% | 4,695 |
| Noninterest expense to average assets | 3.2587% | 3,122 |
| Loan and lease loss provision to assets | 0.1667% | 5,250 |
| Net operating income to assets | 0.4376% | 4,999 |
| Return on assets (ROA) | 0.4376% | 4,824 |
| Pretax return on assets | 0.5688% | 4,784 |
| Return on Equity (ROE) | 4.8205% | 4,463 |
| Retained earnings to average equity (ytd only) | 3.0530% | 3,265 |
| Net charge-offs to loans | 0.0699% | 5,774 |
| Credit loss provision to net charge-offs | 285.7143% | 1,588 |
| Earnings coverage of net charge-offs (x) | 12.6071% | 2,230 |
| Efficiency ratio | 81.3772% | 2,392 |
| Assets per employee ($millions) | 2.8784% | 6,374 |
| Cash dividends to net income (ytd only)* | 36.6667% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 7,064 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 82.9678% | 1,051 |
| Net loans and leases to deposits | 99.1978% | 1,958 |
| Net loans and leases to core deposits | 113.7101% | 3,371 |
| Total domestic deposits to total assets | 83.6388% | 3,510 |
| Equity capital to assets | 9.5866% | 4,562 |
| Core capital (leverage) ratio | 9.5866% | 3,897 |
| Tier 1 risk-based capital ratio | 15.7910% | 2,745 |
| Total risk-based capital ratio | 16.5313% | 2,858 |
| Memoranda: | ||
| Average total assets | $47,994,200 | 6,861 |
| Average earning assets | $45,348,200 | 6,799 |
| Average equity | $4,356,400 | 7,372 |
| Average total loans | $40,052,200 | 6,160 |