Home > Bandera Bank > Performance and Condition Ratios
Bandera Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 2,220 |
| Cost of funding earning assets | 0.7505% | 4,165 |
| Net interest margin | 4.6904% | 469 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.6944% | 1,770 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 2.2396% | 311 |
| Return on assets (ROA) | 2.2396% | 313 |
| Pretax return on assets | 2.2396% | 470 |
| Return on Equity (ROE) | 21.4600% | 338 |
| Retained earnings to average equity (ytd only) | 2.7811% | 3,142 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 53.8062% | 3,617 |
| Assets per employee ($millions) | 5.8031% | 3,090 |
| Cash dividends to net income (ytd only)* | 87.0406% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 3,541 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,737 |
| Noncurrent loans to loans | 0.0100% | 3,687 |
| Net loans and leases to total assets | 53.1300% | 3,403 |
| Net loans and leases to deposits | 59.5284% | 3,504 |
| Net loans and leases to core deposits | 64.3298% | 3,529 |
| Total domestic deposits to total assets | 89.2500% | 1,074 |
| Equity capital to assets | 10.4826% | 1,928 |
| Core capital (leverage) ratio | 11.6639% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $92,338,500 | 3,842 |
| Average earning assets | $89,544,000 | 3,786 |
| Average equity | $9,636,500 | 3,819 |
| Average total loans | $49,990,000 | 3,821 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5977% | 1,949 |
| Cost of funding earning assets | 0.7276% | 4,211 |
| Net interest margin | 4.8701% | 402 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.5585% | 2,140 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 2.4230% | 235 |
| Return on assets (ROA) | 2.4230% | 233 |
| Pretax return on assets | 2.4230% | 328 |
| Return on Equity (ROE) | 24.3900% | 204 |
| Retained earnings to average equity (ytd only) | 7.2061% | 1,366 |
| Net charge-offs to loans | 0.0697% | 1,436 |
| Credit loss provision to net charge-offs | 297.0588% | 870 |
| Earnings coverage of net charge-offs (x) | 70.0294% | 1,013 |
| Efficiency ratio | 50.1779% | 3,983 |
| Assets per employee ($millions) | 5.7393% | 3,081 |
| Cash dividends to net income (ytd only)* | 70.4535% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 3,607 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 54.1600% | 3,386 |
| Net loans and leases to deposits | 60.6042% | 3,509 |
| Net loans and leases to core deposits | 65.7618% | 3,543 |
| Total domestic deposits to total assets | 89.3600% | 1,034 |
| Equity capital to assets | 10.3890% | 1,901 |
| Core capital (leverage) ratio | 11.2234% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $93,728,600 | 3,831 |
| Average earning assets | $89,751,800 | 3,787 |
| Average equity | $9,311,600 | 3,829 |
| Average total loans | $48,752,400 | 3,835 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28,886.0000% | 24 |
| Cost of funding earning assets | 85.0000% | 24 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.0000% | 4,496 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 2.3749% | 266 |
| Pretax return on assets | 2.3749% | 384 |
| Return on Equity (ROE) | 24.1800% | 225 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 25.0000% | 15 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 0.0000% | 4,511 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 6.6960% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 633.0000% | 31 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0197% | 4,475 |
| Equity capital to assets | 5,818.0000% | 40 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,000 | 4,534 |
| Average earning assets | $5,285 | 4,505 |
| Average equity | $0 | 4,479 |
| Average total loans | NA | NA |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 2,041 |
| Cost of funding earning assets | 0.7038% | 4,250 |
| Net interest margin | 4.7560% | 443 |
| Noninterest income to average assets | 0.4500% | 2,091 |
| Noninterest expense to average assets | 2.5494% | 2,094 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 2.2718% | 304 |
| Return on assets (ROA) | 2.2718% | 301 |
| Pretax return on assets | 2.2718% | 432 |
| Return on Equity (ROE) | 23.3700% | 276 |
| Retained earnings to average equity (ytd only) | 7.4473% | 1,526 |
| Net charge-offs to loans | 0.1041% | 847 |
| Credit loss provision to net charge-offs | 264.0000% | 865 |
| Earnings coverage of net charge-offs (x) | 45.2000% | 1,183 |
| Efficiency ratio | 51.3769% | 3,936 |
| Assets per employee ($millions) | 5.8303% | 2,941 |
| Cash dividends to net income (ytd only)* | 68.1391% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 3,743 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,655 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.9000% | 3,546 |
| Net loans and leases to deposits | 57.8326% | 3,671 |
| Net loans and leases to core deposits | 61.3053% | 3,720 |
| Total domestic deposits to total assets | 89.7400% | 772 |
| Equity capital to assets | 9.9610% | 2,098 |
| Core capital (leverage) ratio | 11.2245% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $93,670,333 | 3,858 |
| Average earning assets | $88,939,667 | 3,822 |
| Average equity | $9,104,000 | 3,853 |
| Average total loans | $48,045,000 | 3,863 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 2,087 |
| Cost of funding earning assets | 0.6838% | 4,257 |
| Net interest margin | 4.6732% | 481 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.5782% | 2,028 |
| Loan and lease loss provision to assets | 0.2300% | 428 |
| Net operating income to assets | 2.0668% | 406 |
| Return on assets (ROA) | 2.0668% | 413 |
| Pretax return on assets | 2.0668% | 582 |
| Return on Equity (ROE) | 21.5300% | 366 |
| Retained earnings to average equity (ytd only) | 5.9933% | 2,115 |
| Net charge-offs to loans | 0.2183% | 410 |
| Credit loss provision to net charge-offs | 211.5385% | 797 |
| Earnings coverage of net charge-offs (x) | 20.7692% | 1,341 |
| Efficiency ratio | 52.8384% | 3,837 |
| Assets per employee ($millions) | 5.8353% | 2,963 |
| Cash dividends to net income (ytd only)* | 72.1649% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 3,773 |
| Loan loss allowance to noncurrent loans | 329.9213% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,725 |
| Noncurrent loans to loans | 0.2649% | 2,369 |
| Net loans and leases to total assets | 50.9100% | 3,555 |
| Net loans and leases to deposits | 56.5454% | 3,690 |
| Net loans and leases to core deposits | 59.8946% | 3,773 |
| Total domestic deposits to total assets | 90.0300% | 783 |
| Equity capital to assets | 9.6804% | 2,212 |
| Core capital (leverage) ratio | 10.7470% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $93,863,500 | 3,879 |
| Average earning assets | $88,334,000 | 3,844 |
| Average equity | $9,010,000 | 3,878 |
| Average total loans | $47,645,000 | 3,891 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 2,359 |
| Cost of funding earning assets | 0.3484% | 4,338 |
| Net interest margin | 4.5127% | 607 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.4183% | 2,532 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.3586% | 279 |
| Return on assets (ROA) | 2.3596% | 273 |
| Pretax return on assets | 2.3596% | 399 |
| Return on Equity (ROE) | 27.5300% | 234 |
| Retained earnings to average equity (ytd only) | 12.7608% | 536 |
| Net charge-offs to loans | 0.0212% | 1,918 |
| Credit loss provision to net charge-offs | 510.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 232.1000% | 530 |
| Efficiency ratio | 50.3104% | 3,961 |
| Assets per employee ($millions) | 5.8977% | 2,900 |
| Cash dividends to net income (ytd only)* | 53.6415% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 3,908 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 2,296 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.7600% | 3,612 |
| Net loans and leases to deposits | 55.2199% | 3,743 |
| Net loans and leases to core deposits | 57.8209% | 3,841 |
| Total domestic deposits to total assets | 90.1100% | 728 |
| Equity capital to assets | 9.5186% | 2,335 |
| Core capital (leverage) ratio | 10.5546% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $97,175,600 | 3,855 |
| Average earning assets | $93,845,400 | 3,800 |
| Average equity | $8,330,200 | 3,896 |
| Average total loans | $47,246,800 | 3,882 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 2,308 |
| Cost of funding earning assets | 0.2921% | 4,369 |
| Net interest margin | 4.4889% | 629 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.3852% | 2,559 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.3593% | 305 |
| Return on assets (ROA) | 2.3607% | 298 |
| Pretax return on assets | 2.3607% | 446 |
| Return on Equity (ROE) | 28.2900% | 261 |
| Retained earnings to average equity (ytd only) | 13.9252% | 683 |
| Net charge-offs to loans | 0.0113% | 1,982 |
| Credit loss provision to net charge-offs | 1,375.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 441.2500% | 338 |
| Efficiency ratio | 49.8009% | 3,926 |
| Assets per employee ($millions) | 5.8815% | 2,853 |
| Cash dividends to net income (ytd only)* | 50.7790% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 3,879 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 2,131 |
| Noncurrent loans to loans | 0.0254% | 3,587 |
| Net loans and leases to total assets | 49.7600% | 3,631 |
| Net loans and leases to deposits | 54.7876% | 3,761 |
| Net loans and leases to core deposits | 56.4991% | 3,834 |
| Total domestic deposits to total assets | 90.8300% | 712 |
| Equity capital to assets | 8.8976% | 2,479 |
| Core capital (leverage) ratio | 10.2716% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $97,878,750 | 3,859 |
| Average earning assets | $94,482,250 | 3,811 |
| Average equity | $8,167,250 | 3,915 |
| Average total loans | $47,222,500 | 3,893 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 2,253 |
| Cost of funding earning assets | 0.2344% | 4,394 |
| Net interest margin | 4.4416% | 665 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.3725% | 2,584 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.3220% | 300 |
| Return on assets (ROA) | 2.3362% | 286 |
| Pretax return on assets | 2.3362% | 442 |
| Return on Equity (ROE) | 28.6000% | 249 |
| Retained earnings to average equity (ytd only) | 15.5087% | 515 |
| Net charge-offs to loans | 0.0085% | 1,887 |
| Credit loss provision to net charge-offs | 1,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 250 |
| Efficiency ratio | 50.0426% | 3,926 |
| Assets per employee ($millions) | 6.9618% | 1,954 |
| Cash dividends to net income (ytd only)* | 45.7686% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 4,027 |
| Loan loss allowance to noncurrent loans | 2,728.5714% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,695 |
| Noncurrent loans to loans | 0.0293% | 3,542 |
| Net loans and leases to total assets | 48.6600% | 3,650 |
| Net loans and leases to deposits | 53.3940% | 3,782 |
| Net loans and leases to core deposits | 55.2798% | 3,835 |
| Total domestic deposits to total assets | 91.1300% | 613 |
| Equity capital to assets | 8.6503% | 2,749 |
| Core capital (leverage) ratio | 9.5304% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7523% | 500 |
| Memoranda: | ||
| Average total assets | $99,137,000 | 3,867 |
| Average earning assets | $95,552,000 | 3,821 |
| Average equity | $8,098,667 | 3,942 |
| Average total loans | $47,221,000 | 3,898 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,304 |
| Cost of funding earning assets | 0.1710% | 4,421 |
| Net interest margin | 4.3332% | 766 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.3486% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2966% | 325 |
| Return on assets (ROA) | 2.3246% | 310 |
| Pretax return on assets | 2.3246% | 464 |
| Return on Equity (ROE) | 29.3000% | 249 |
| Retained earnings to average equity (ytd only) | 15.9344% | 696 |
| Net charge-offs to loans | -0.0085% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.6034% | 3,886 |
| Assets per employee ($millions) | 6.5847% | 2,280 |
| Cash dividends to net income (ytd only)* | 45.6110% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 4,201 |
| Loan loss allowance to noncurrent loans | 4,985.7143% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,808 |
| Noncurrent loans to loans | 0.0146% | 3,706 |
| Net loans and leases to total assets | 48.1200% | 3,624 |
| Net loans and leases to deposits | 52.5936% | 3,760 |
| Net loans and leases to core deposits | 53.6054% | 3,850 |
| Total domestic deposits to total assets | 91.5000% | 648 |
| Equity capital to assets | 8.2463% | 3,081 |
| Core capital (leverage) ratio | 9.1916% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9661% | 572 |
| Memoranda: | ||
| Average total assets | $99,973,000 | 3,911 |
| Average earning assets | $95,911,000 | 3,862 |
| Average equity | $7,932,500 | 4,010 |
| Average total loans | $46,928,500 | 3,944 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 3,010 |
| Cost of funding earning assets | 0.1036% | 4,380 |
| Net interest margin | 3.4231% | 2,177 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.2166% | 2,983 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3023% | 1,416 |
| Return on assets (ROA) | 1.3053% | 1,372 |
| Pretax return on assets | 1.3053% | 2,069 |
| Return on Equity (ROE) | 17.2200% | 828 |
| Retained earnings to average equity (ytd only) | 9.5643% | 1,295 |
| Net charge-offs to loans | 0.0448% | 1,241 |
| Credit loss provision to net charge-offs | 447.3684% | 728 |
| Earnings coverage of net charge-offs (x) | 72.8421% | 1,137 |
| Efficiency ratio | 61.5021% | 2,838 |
| Assets per employee ($millions) | 6.3234% | 2,491 |
| Cash dividends to net income (ytd only)* | 44.4700% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 3,989 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 45.0700% | 3,845 |
| Net loans and leases to deposits | 48.8719% | 3,940 |
| Net loans and leases to core deposits | 49.3517% | 4,003 |
| Total domestic deposits to total assets | 92.2200% | 581 |
| Equity capital to assets | 7.6303% | 3,306 |
| Core capital (leverage) ratio | 8.5871% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4589% | 518 |
| Memoranda: | ||
| Average total assets | $99,749,000 | 3,931 |
| Average earning assets | $91,729,400 | 3,920 |
| Average equity | $7,559,400 | 4,143 |
| Average total loans | $42,367,600 | 4,022 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 3,386 |
| Cost of funding earning assets | 0.0999% | 4,283 |
| Net interest margin | 3.1199% | 2,864 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.2147% | 2,890 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0262% | 2,384 |
| Return on assets (ROA) | 1.0302% | 2,332 |
| Pretax return on assets | 1.0302% | 2,934 |
| Return on Equity (ROE) | 13.6200% | 1,533 |
| Retained earnings to average equity (ytd only) | 7.6070% | 2,150 |
| Net charge-offs to loans | 0.0257% | 1,311 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 101.8750% | 942 |
| Efficiency ratio | 66.9505% | 2,161 |
| Assets per employee ($millions) | 6.5782% | 2,256 |
| Cash dividends to net income (ytd only)* | 44.1406% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,138 |
| Loan loss allowance to noncurrent loans | 1,760.0000% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,759 |
| Noncurrent loans to loans | 0.0441% | 3,572 |
| Net loans and leases to total assets | 42.8000% | 3,949 |
| Net loans and leases to deposits | 45.9996% | 4,026 |
| Net loans and leases to core deposits | 46.9210% | 4,065 |
| Total domestic deposits to total assets | 93.0400% | 570 |
| Equity capital to assets | 6.7876% | 3,622 |
| Core capital (leverage) ratio | 8.4971% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2206% | 545 |
| Memoranda: | ||
| Average total assets | $99,392,500 | 3,961 |
| Average earning assets | $90,727,250 | 3,954 |
| Average equity | $7,519,250 | 4,190 |
| Average total loans | $41,465,750 | 4,061 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9557% | 3,665 |
| Cost of funding earning assets | 0.1035% | 4,157 |
| Net interest margin | 2.8521% | 3,282 |
| Noninterest income to average assets | 0.4885% | 2,263 |
| Noninterest expense to average assets | 2.2209% | 2,785 |
| Loan and lease loss provision to assets | 0.0616% | 1,489 |
| Net operating income to assets | 0.8067% | 2,931 |
| Return on assets (ROA) | 0.8067% | 2,901 |
| Pretax return on assets | 0.8067% | 3,306 |
| Return on Equity (ROE) | 10.2821% | 2,235 |
| Retained earnings to average equity (ytd only) | 4.3692% | 2,940 |
| Net charge-offs to loans | 0.0299% | 1,131 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 1,000 |
| Efficiency ratio | 71.8937% | 1,740 |
| Assets per employee ($millions) | 6.1740% | 2,590 |
| Cash dividends to net income (ytd only)* | 57.5064% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,251 |
| Loan loss allowance to noncurrent loans | 878.9474% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,597 |
| Noncurrent loans to loans | 0.0860% | 3,349 |
| Net loans and leases to total assets | 44.4171% | 3,802 |
| Net loans and leases to deposits | 48.0207% | 3,919 |
| Net loans and leases to core deposits | 48.6447% | 3,998 |
| Total domestic deposits to total assets | 92.4957% | 655 |
| Equity capital to assets | 7.3666% | 3,554 |
| Core capital (leverage) ratio | 8.3362% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,439,667 | 4,017 |
| Average earning assets | $88,846,000 | 4,023 |
| Average equity | $7,644,333 | 4,242 |
| Average total loans | $40,155,000 | 4,134 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7389% | 3,865 |
| Cost of funding earning assets | 0.1107% | 3,998 |
| Net interest margin | 2.6283% | 3,594 |
| Noninterest income to average assets | 0.4960% | 2,162 |
| Noninterest expense to average assets | 2.2198% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6324% | 3,287 |
| Return on assets (ROA) | 0.6324% | 3,268 |
| Pretax return on assets | 0.6324% | 3,546 |
| Return on Equity (ROE) | 7.8181% | 2,748 |
| Retained earnings to average equity (ytd only) | 2.0439% | 3,527 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8261% | 1,327 |
| Assets per employee ($millions) | 6.4875% | 2,387 |
| Cash dividends to net income (ytd only)* | 73.8562% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 4,251 |
| Loan loss allowance to noncurrent loans | 1,347.8261% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,810 |
| Noncurrent loans to loans | 0.0591% | 3,564 |
| Net loans and leases to total assets | 39.7008% | 4,034 |
| Net loans and leases to deposits | 43.1120% | 4,112 |
| Net loans and leases to core deposits | 43.5519% | 4,183 |
| Total domestic deposits to total assets | 92.0874% | 543 |
| Equity capital to assets | 7.7605% | 3,759 |
| Core capital (leverage) ratio | 8.2970% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,767,500 | 4,036 |
| Average earning assets | $86,749,000 | 4,056 |
| Average equity | $7,828,000 | 4,285 |
| Average total loans | $38,127,000 | 4,187 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9170% | 4,025 |
| Cost of funding earning assets | 0.1230% | 4,200 |
| Net interest margin | 2.7940% | 3,678 |
| Noninterest income to average assets | 0.4747% | 2,701 |
| Noninterest expense to average assets | 2.0371% | 3,564 |
| Loan and lease loss provision to assets | 0.0058% | 2,957 |
| Net operating income to assets | 0.9901% | 2,711 |
| Return on assets (ROA) | 0.9901% | 2,779 |
| Pretax return on assets | 0.9901% | 3,285 |
| Return on Equity (ROE) | 10.8142% | 2,230 |
| Retained earnings to average equity (ytd only) | 4.7922% | 2,869 |
| Net charge-offs to loans | 0.0937% | 895 |
| Credit loss provision to net charge-offs | 14.2857% | 2,289 |
| Earnings coverage of net charge-offs (x) | 24.5143% | 1,743 |
| Efficiency ratio | 67.1642% | 2,101 |
| Assets per employee ($millions) | 6.0139% | 2,759 |
| Cash dividends to net income (ytd only)* | 55.6858% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,210 |
| Loan loss allowance to noncurrent loans | 7,750.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,132 |
| Noncurrent loans to loans | 0.0107% | 4,014 |
| Net loans and leases to total assets | 38.4527% | 4,161 |
| Net loans and leases to deposits | 42.0440% | 4,271 |
| Net loans and leases to core deposits | 42.6464% | 4,320 |
| Total domestic deposits to total assets | 91.4583% | 326 |
| Equity capital to assets | 8.4222% | 4,102 |
| Core capital (leverage) ratio | 8.8943% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,150,800 | 4,141 |
| Average earning assets | $78,883,000 | 4,141 |
| Average equity | $7,887,800 | 4,339 |
| Average total loans | $37,344,400 | 4,242 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9221% | 4,129 |
| Cost of funding earning assets | 0.1253% | 4,305 |
| Net interest margin | 2.7968% | 3,787 |
| Noninterest income to average assets | 0.4799% | 2,712 |
| Noninterest expense to average assets | 2.3866% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6903% | 3,789 |
| Return on assets (ROA) | 0.6903% | 3,856 |
| Pretax return on assets | 0.6903% | 4,080 |
| Return on Equity (ROE) | 7.3696% | 3,570 |
| Retained earnings to average equity (ytd only) | 1.2084% | 4,370 |
| Net charge-offs to loans | 0.0892% | 805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 17.3200% | 1,818 |
| Efficiency ratio | 77.5648% | 911 |
| Assets per employee ($millions) | 6.0860% | 2,603 |
| Cash dividends to net income (ytd only)* | 83.6028% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 39.8214% | 4,215 |
| Net loans and leases to deposits | 43.6316% | 4,323 |
| Net loans and leases to core deposits | 44.2908% | 4,368 |
| Total domestic deposits to total assets | 91.2674% | 293 |
| Equity capital to assets | 8.5639% | 4,167 |
| Core capital (leverage) ratio | 8.9388% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,633,000 | 4,218 |
| Average earning assets | $77,658,250 | 4,211 |
| Average equity | $7,833,750 | 4,407 |
| Average total loans | $37,353,000 | 4,299 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9569% | 4,124 |
| Cost of funding earning assets | 0.1266% | 4,377 |
| Net interest margin | 2.8303% | 3,721 |
| Noninterest income to average assets | 0.4958% | 2,636 |
| Noninterest expense to average assets | 2.4223% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7203% | 3,711 |
| Return on assets (ROA) | 0.7203% | 3,775 |
| Pretax return on assets | 0.7203% | 4,023 |
| Return on Equity (ROE) | 7.4499% | 3,544 |
| Retained earnings to average equity (ytd only) | 1.0716% | 4,325 |
| Net charge-offs to loans | 0.1224% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 12.6957% | 1,714 |
| Efficiency ratio | 77.0801% | 985 |
| Assets per employee ($millions) | 5.6495% | 2,961 |
| Cash dividends to net income (ytd only)* | 85.6164% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 4,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.7474% | 4,127 |
| Net loans and leases to deposits | 47.1938% | 4,261 |
| Net loans and leases to core deposits | 48.1306% | 4,321 |
| Total domestic deposits to total assets | 90.5785% | 528 |
| Equity capital to assets | 9.2221% | 3,589 |
| Core capital (leverage) ratio | 9.4461% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,080,667 | 4,273 |
| Average earning assets | $75,823,667 | 4,261 |
| Average equity | $7,839,000 | 4,428 |
| Average total loans | $37,581,333 | 4,326 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1301% | 3,828 |
| Cost of funding earning assets | 0.1189% | 4,526 |
| Net interest margin | 3.0111% | 3,229 |
| Noninterest income to average assets | 0.5148% | 2,546 |
| Noninterest expense to average assets | 2.4883% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8379% | 3,302 |
| Return on assets (ROA) | 0.8379% | 3,387 |
| Pretax return on assets | 0.8379% | 3,743 |
| Return on Equity (ROE) | 8.4575% | 3,197 |
| Retained earnings to average equity (ytd only) | 2.7003% | 3,869 |
| Net charge-offs to loans | 0.1155% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 1,347 |
| Efficiency ratio | 74.8103% | 1,240 |
| Assets per employee ($millions) | 5.9585% | 2,643 |
| Cash dividends to net income (ytd only)* | 68.0723% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,259 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,245 |
| Noncurrent loans to loans | 0.0393% | 4,085 |
| Net loans and leases to total assets | 45.3434% | 4,015 |
| Net loans and leases to deposits | 50.1199% | 4,150 |
| Net loans and leases to core deposits | 51.1301% | 4,234 |
| Total domestic deposits to total assets | 90.4698% | 596 |
| Equity capital to assets | 9.3612% | 3,317 |
| Core capital (leverage) ratio | 10.0473% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,250,000 | 4,316 |
| Average earning assets | $73,992,000 | 4,301 |
| Average equity | $7,851,000 | 4,444 |
| Average total loans | $38,101,000 | 4,340 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 3,780 |
| Cost of funding earning assets | 0.1473% | 4,735 |
| Net interest margin | 3.4644% | 2,581 |
| Noninterest income to average assets | 0.5031% | 2,620 |
| Noninterest expense to average assets | 2.7752% | 2,010 |
| Loan and lease loss provision to assets | 0.0095% | 4,239 |
| Net operating income to assets | 0.9477% | 2,492 |
| Return on assets (ROA) | 0.9477% | 2,641 |
| Pretax return on assets | 0.9477% | 3,226 |
| Return on Equity (ROE) | 8.9600% | 2,408 |
| Retained earnings to average equity (ytd only) | 0.9513% | 4,241 |
| Net charge-offs to loans | 0.0265% | 2,507 |
| Credit loss provision to net charge-offs | 70.0000% | 3,042 |
| Earnings coverage of net charge-offs (x) | 70.4000% | 969 |
| Efficiency ratio | 74.3534% | 1,402 |
| Assets per employee ($millions) | 5.0054% | 3,388 |
| Cash dividends to net income (ytd only)* | 89.3831% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 4,198 |
| Loan loss allowance to noncurrent loans | 114.8649% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,405 |
| Noncurrent loans to loans | 0.7780% | 1,773 |
| Net loans and leases to total assets | 50.2218% | 3,812 |
| Net loans and leases to deposits | 56.2195% | 3,979 |
| Net loans and leases to core deposits | 57.7169% | 4,065 |
| Total domestic deposits to total assets | 89.3315% | 839 |
| Equity capital to assets | 10.5126% | 2,665 |
| Core capital (leverage) ratio | 10.4846% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,545,400 | 4,331 |
| Average earning assets | $68,555,200 | 4,317 |
| Average equity | $7,779,000 | 4,446 |
| Average total loans | $37,758,400 | 4,357 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6213% | 3,971 |
| Cost of funding earning assets | 0.1527% | 4,794 |
| Net interest margin | 3.4686% | 2,696 |
| Noninterest income to average assets | 0.4993% | 2,619 |
| Noninterest expense to average assets | 2.7755% | 2,035 |
| Loan and lease loss provision to assets | 0.0123% | 4,154 |
| Net operating income to assets | 0.9404% | 2,561 |
| Return on assets (ROA) | 0.9404% | 2,689 |
| Pretax return on assets | 0.9404% | 3,264 |
| Return on Equity (ROE) | 8.8766% | 2,445 |
| Retained earnings to average equity (ytd only) | -0.3613% | 4,537 |
| Net charge-offs to loans | 0.0283% | 2,268 |
| Credit loss provision to net charge-offs | 87.5000% | 2,713 |
| Earnings coverage of net charge-offs (x) | 65.3750% | 1,048 |
| Efficiency ratio | 74.4379% | 1,369 |
| Assets per employee ($millions) | 5.0343% | 3,204 |
| Cash dividends to net income (ytd only)* | 104.0698% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 4,108 |
| Loan loss allowance to noncurrent loans | 323.5849% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 3,717 |
| Noncurrent loans to loans | 0.2743% | 3,311 |
| Net loans and leases to total assets | 50.7131% | 4,055 |
| Net loans and leases to deposits | 57.0875% | 4,208 |
| Net loans and leases to core deposits | 58.6050% | 4,274 |
| Total domestic deposits to total assets | 88.8340% | 846 |
| Equity capital to assets | 10.2456% | 3,014 |
| Core capital (leverage) ratio | 10.2223% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,161,500 | 4,349 |
| Average earning assets | $68,114,000 | 4,330 |
| Average equity | $7,750,500 | 4,472 |
| Average total loans | $37,686,250 | 4,379 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,039 |
| Cost of funding earning assets | 0.1571% | 4,863 |
| Net interest margin | 3.5638% | 2,598 |
| Noninterest income to average assets | 0.5034% | 2,547 |
| Noninterest expense to average assets | 2.7630% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0648% | 2,096 |
| Return on assets (ROA) | 1.0648% | 2,216 |
| Pretax return on assets | 1.0648% | 2,820 |
| Return on Equity (ROE) | 9.9231% | 2,008 |
| Retained earnings to average equity (ytd only) | -0.3866% | 4,380 |
| Net charge-offs to loans | 0.0268% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 831 |
| Efficiency ratio | 72.1821% | 1,655 |
| Assets per employee ($millions) | 5.0810% | 3,083 |
| Cash dividends to net income (ytd only)* | 103.8961% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,056 |
| Loan loss allowance to noncurrent loans | 418.5185% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 3,998 |
| Noncurrent loans to loans | 0.2115% | 3,624 |
| Net loans and leases to total assets | 49.7947% | 4,170 |
| Net loans and leases to deposits | 55.5294% | 4,310 |
| Net loans and leases to core deposits | 57.0597% | 4,394 |
| Total domestic deposits to total assets | 89.6726% | 503 |
| Equity capital to assets | 10.2093% | 3,007 |
| Core capital (leverage) ratio | 10.7047% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,313,667 | 4,365 |
| Average earning assets | $67,456,333 | 4,351 |
| Average equity | $7,759,667 | 4,489 |
| Average total loans | $37,368,667 | 4,398 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,876 |
| Cost of funding earning assets | 0.1695% | 4,944 |
| Net interest margin | 3.8005% | 1,972 |
| Noninterest income to average assets | 0.5912% | 2,073 |
| Noninterest expense to average assets | 2.8367% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3246% | 1,176 |
| Return on assets (ROA) | 1.3246% | 1,269 |
| Pretax return on assets | 1.3246% | 1,800 |
| Return on Equity (ROE) | 12.0274% | 1,097 |
| Retained earnings to average equity (ytd only) | 1.7034% | 3,549 |
| Net charge-offs to loans | -0.0434% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1694% | 2,636 |
| Assets per employee ($millions) | 4.7506% | 2,932 |
| Cash dividends to net income (ytd only)* | 85.8369% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 3,953 |
| Loan loss allowance to noncurrent loans | 212.1951% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,546 |
| Noncurrent loans to loans | 0.4449% | 2,921 |
| Net loans and leases to total assets | 51.2412% | 4,167 |
| Net loans and leases to deposits | 57.5940% | 4,297 |
| Net loans and leases to core deposits | 59.3058% | 4,388 |
| Total domestic deposits to total assets | 88.9698% | 677 |
| Equity capital to assets | 10.8758% | 2,964 |
| Core capital (leverage) ratio | 11.0815% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9024% | 333 |
| Memoranda: | ||
| Average total assets | $70,363,000 | 4,408 |
| Average earning assets | $66,096,000 | 4,383 |
| Average equity | $7,749,000 | 4,515 |
| Average total loans | $36,908,000 | 4,434 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 3,564 |
| Cost of funding earning assets | 0.1524% | 5,044 |
| Net interest margin | 4.1369% | 1,459 |
| Noninterest income to average assets | 0.6177% | 2,148 |
| Noninterest expense to average assets | 2.8146% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7281% | 620 |
| Return on assets (ROA) | 1.7281% | 660 |
| Pretax return on assets | 1.7281% | 1,110 |
| Return on Equity (ROE) | 16.3128% | 502 |
| Retained earnings to average equity (ytd only) | 5.4464% | 2,195 |
| Net charge-offs to loans | -0.0187% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9592% | 3,390 |
| Assets per employee ($millions) | 4.9619% | 2,649 |
| Cash dividends to net income (ytd only)* | 66.6125% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,851 |
| Loan loss allowance to noncurrent loans | 139.4309% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 2,984 |
| Noncurrent loans to loans | 0.6657% | 2,222 |
| Net loans and leases to total assets | 52.7027% | 4,170 |
| Net loans and leases to deposits | 59.4170% | 4,312 |
| Net loans and leases to core deposits | 61.7824% | 4,357 |
| Total domestic deposits to total assets | 88.6997% | 793 |
| Equity capital to assets | 11.1535% | 2,853 |
| Core capital (leverage) ratio | 10.9218% | 2,572 |
| Tier 1 risk-based capital ratio | 25.5229% | 715 |
| Total risk-based capital ratio | 26.6726% | 704 |
| Memoranda: | ||
| Average total assets | $71,235,200 | 4,411 |
| Average earning assets | $67,586,400 | 4,379 |
| Average equity | $7,546,200 | 4,563 |
| Average total loans | $37,397,000 | 4,467 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 3,664 |
| Cost of funding earning assets | 0.1472% | 5,130 |
| Net interest margin | 4.1496% | 1,501 |
| Noninterest income to average assets | 0.6157% | 2,127 |
| Noninterest expense to average assets | 2.7939% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7560% | 669 |
| Return on assets (ROA) | 1.7560% | 708 |
| Pretax return on assets | 1.7560% | 1,190 |
| Return on Equity (ROE) | 16.7914% | 504 |
| Retained earnings to average equity (ytd only) | 5.7631% | 2,473 |
| Net charge-offs to loans | -0.0462% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4064% | 3,421 |
| Assets per employee ($millions) | 5.0294% | 2,523 |
| Cash dividends to net income (ytd only)* | 65.6780% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,853 |
| Loan loss allowance to noncurrent loans | 141.2955% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 3,101 |
| Noncurrent loans to loans | 0.6673% | 2,284 |
| Net loans and leases to total assets | 52.0728% | 4,314 |
| Net loans and leases to deposits | 58.5581% | 4,452 |
| Net loans and leases to core deposits | 60.1046% | 4,533 |
| Total domestic deposits to total assets | 88.9250% | 638 |
| Equity capital to assets | 10.8804% | 3,219 |
| Core capital (leverage) ratio | 10.7360% | 2,901 |
| Tier 1 risk-based capital ratio | 25.5511% | 732 |
| Total risk-based capital ratio | 26.7151% | 728 |
| Memoranda: | ||
| Average total assets | $71,677,250 | 4,458 |
| Average earning assets | $67,956,250 | 4,426 |
| Average equity | $7,495,750 | 4,624 |
| Average total loans | $37,507,750 | 4,523 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 3,877 |
| Cost of funding earning assets | 0.1377% | 5,183 |
| Net interest margin | 4.0806% | 1,668 |
| Noninterest income to average assets | 0.6075% | 2,112 |
| Noninterest expense to average assets | 2.7684% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7032% | 723 |
| Return on assets (ROA) | 1.7032% | 751 |
| Pretax return on assets | 1.7032% | 1,263 |
| Return on Equity (ROE) | 16.5039% | 521 |
| Retained earnings to average equity (ytd only) | 5.6984% | 2,419 |
| Net charge-offs to loans | 0.0053% | 2,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 128 |
| Efficiency ratio | 61.9107% | 3,449 |
| Assets per employee ($millions) | 5.1852% | 2,269 |
| Cash dividends to net income (ytd only)* | 65.4723% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,172 |
| Loan loss allowance to noncurrent loans | 389.5349% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,162 |
| Noncurrent loans to loans | 0.2259% | 3,731 |
| Net loans and leases to total assets | 51.9788% | 4,352 |
| Net loans and leases to deposits | 58.0865% | 4,510 |
| Net loans and leases to core deposits | 59.3268% | 4,597 |
| Total domestic deposits to total assets | 89.4852% | 483 |
| Equity capital to assets | 10.3991% | 3,606 |
| Core capital (leverage) ratio | 10.6379% | 2,948 |
| Tier 1 risk-based capital ratio | 24.6651% | 787 |
| Total risk-based capital ratio | 25.7597% | 782 |
| Memoranda: | ||
| Average total assets | $72,099,330 | 4,484 |
| Average earning assets | $68,274,330 | 4,460 |
| Average equity | $7,440,670 | 4,660 |
| Average total loans | $37,672,330 | 4,551 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,897 |
| Cost of funding earning assets | 0.1294% | 5,242 |
| Net interest margin | 4.0630% | 1,659 |
| Noninterest income to average assets | 0.6179% | 1,960 |
| Noninterest expense to average assets | 2.8002% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6645% | 790 |
| Return on assets (ROA) | 1.6645% | 818 |
| Pretax return on assets | 1.6645% | 1,300 |
| Return on Equity (ROE) | 16.1917% | 567 |
| Retained earnings to average equity (ytd only) | 5.3611% | 2,758 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7182% | 3,426 |
| Assets per employee ($millions) | 5.5250% | 1,962 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 4,225 |
| Loan loss allowance to noncurrent loans | 390.6977% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 4,210 |
| Noncurrent loans to loans | 0.2261% | 3,771 |
| Net loans and leases to total assets | 52.4831% | 4,311 |
| Net loans and leases to deposits | 58.6252% | 4,473 |
| Net loans and leases to core deposits | 59.8872% | 4,567 |
| Total domestic deposits to total assets | 89.5231% | 631 |
| Equity capital to assets | 10.3529% | 3,471 |
| Core capital (leverage) ratio | 10.6674% | 2,878 |
| Tier 1 risk-based capital ratio | 25.5805% | 720 |
| Total risk-based capital ratio | 26.7364% | 704 |
| Memoranda: | ||
| Average total assets | $71,852,500 | 4,535 |
| Average earning assets | $68,028,000 | 4,512 |
| Average equity | $7,386,500 | 4,701 |
| Average total loans | $37,474,500 | 4,603 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 4,014 |
| Cost of funding earning assets | 0.1404% | 5,203 |
| Net interest margin | 3.8641% | 2,450 |
| Noninterest income to average assets | 0.6945% | 1,870 |
| Noninterest expense to average assets | 2.6657% | 3,137 |
| Loan and lease loss provision to assets | 0.0652% | 2,847 |
| Net operating income to assets | 1.5872% | 904 |
| Return on assets (ROA) | 1.5872% | 890 |
| Pretax return on assets | 1.5872% | 1,505 |
| Return on Equity (ROE) | 16.2282% | 584 |
| Retained earnings to average equity (ytd only) | 7.9937% | 1,240 |
| Net charge-offs to loans | 0.0813% | 1,975 |
| Credit loss provision to net charge-offs | 156.6667% | 1,772 |
| Earnings coverage of net charge-offs (x) | 39.7333% | 1,316 |
| Efficiency ratio | 61.7335% | 3,575 |
| Assets per employee ($millions) | 5.5292% | 1,928 |
| Cash dividends to net income (ytd only)* | 50.7424% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,123 |
| Loan loss allowance to noncurrent loans | 398.8095% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,243 |
| Noncurrent loans to loans | 0.2275% | 3,766 |
| Net loans and leases to total assets | 50.8932% | 4,462 |
| Net loans and leases to deposits | 56.7198% | 4,633 |
| Net loans and leases to core deposits | 58.3519% | 4,690 |
| Total domestic deposits to total assets | 89.7273% | 563 |
| Equity capital to assets | 10.2073% | 3,462 |
| Core capital (leverage) ratio | 10.1134% | 3,445 |
| Tier 1 risk-based capital ratio | 26.4358% | 645 |
| Total risk-based capital ratio | 27.6429% | 639 |
| Memoranda: | ||
| Average total assets | $72,139,600 | 4,551 |
| Average earning assets | $67,648,600 | 4,531 |
| Average equity | $7,055,600 | 4,738 |
| Average total loans | $36,880,400 | 4,636 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 4,094 |
| Cost of funding earning assets | 0.1443% | 5,236 |
| Net interest margin | 3.8010% | 2,641 |
| Noninterest income to average assets | 0.6888% | 1,905 |
| Noninterest expense to average assets | 2.6406% | 3,153 |
| Loan and lease loss provision to assets | 0.0499% | 2,993 |
| Net operating income to assets | 1.5493% | 1,066 |
| Return on assets (ROA) | 1.5493% | 1,068 |
| Pretax return on assets | 1.5493% | 1,731 |
| Return on Equity (ROE) | 16.0143% | 695 |
| Retained earnings to average equity (ytd only) | 8.0358% | 1,635 |
| Net charge-offs to loans | 0.0072% | 3,164 |
| Credit loss provision to net charge-offs | 1,350.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 432.4494% | 217 |
| Efficiency ratio | 62.2822% | 3,465 |
| Assets per employee ($millions) | 5.3617% | 2,067 |
| Cash dividends to net income (ytd only)* | 49.8212% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 4,195 |
| Loan loss allowance to noncurrent loans | 403.5294% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,403 |
| Noncurrent loans to loans | 0.2275% | 3,890 |
| Net loans and leases to total assets | 49.3139% | 4,644 |
| Net loans and leases to deposits | 54.6320% | 4,800 |
| Net loans and leases to core deposits | 55.7435% | 4,852 |
| Total domestic deposits to total assets | 90.2656% | 420 |
| Equity capital to assets | 9.5852% | 4,006 |
| Core capital (leverage) ratio | 9.8899% | 3,755 |
| Tier 1 risk-based capital ratio | 24.8816% | 766 |
| Total risk-based capital ratio | 26.0677% | 750 |
| Memoranda: | ||
| Average total assets | $72,204,500 | 4,599 |
| Average earning assets | $67,454,750 | 4,579 |
| Average equity | $6,985,250 | 4,799 |
| Average total loans | $36,871,250 | 4,686 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 4,118 |
| Cost of funding earning assets | 0.1491% | 5,249 |
| Net interest margin | 3.7336% | 2,812 |
| Noninterest income to average assets | 0.7214% | 1,784 |
| Noninterest expense to average assets | 2.7115% | 2,974 |
| Loan and lease loss provision to assets | 0.0477% | 2,955 |
| Net operating income to assets | 1.4765% | 1,210 |
| Return on assets (ROA) | 1.4765% | 1,212 |
| Pretax return on assets | 1.4765% | 1,908 |
| Return on Equity (ROE) | 15.2126% | 812 |
| Retained earnings to average equity (ytd only) | 7.6641% | 1,768 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0159% | 3,316 |
| Assets per employee ($millions) | 5.5828% | 1,815 |
| Cash dividends to net income (ytd only)* | 49.6198% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 4,462 |
| Loan loss allowance to noncurrent loans | 1,768.4211% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 4,897 |
| Noncurrent loans to loans | 0.0493% | 4,693 |
| Net loans and leases to total assets | 52.6517% | 4,439 |
| Net loans and leases to deposits | 58.3734% | 4,620 |
| Net loans and leases to core deposits | 59.9956% | 4,709 |
| Total domestic deposits to total assets | 90.1980% | 506 |
| Equity capital to assets | 9.6973% | 3,922 |
| Core capital (leverage) ratio | 9.9688% | 3,609 |
| Tier 1 risk-based capital ratio | 23.5511% | 878 |
| Total risk-based capital ratio | 24.6721% | 871 |
| Memoranda: | ||
| Average total assets | $71,251,330 | 4,664 |
| Average earning assets | $67,067,330 | 4,643 |
| Average equity | $6,915,330 | 4,858 |
| Average total loans | $36,708,330 | 4,729 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,482 |
| Cost of funding earning assets | 0.1441% | 5,295 |
| Net interest margin | 3.5487% | 3,349 |
| Noninterest income to average assets | 0.8273% | 1,367 |
| Noninterest expense to average assets | 2.6803% | 3,098 |
| Loan and lease loss provision to assets | 0.0113% | 3,378 |
| Net operating income to assets | 1.4847% | 1,115 |
| Return on assets (ROA) | 1.4847% | 1,117 |
| Pretax return on assets | 1.4847% | 1,714 |
| Return on Equity (ROE) | 15.2903% | 756 |
| Retained earnings to average equity (ytd only) | 9.4543% | 1,315 |
| Net charge-offs to loans | 0.0224% | 2,057 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 492 |
| Efficiency ratio | 64.1791% | 3,452 |
| Assets per employee ($millions) | 5.1634% | 2,286 |
| Cash dividends to net income (ytd only)* | 38.1679% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,500 |
| Loan loss allowance to noncurrent loans | 1,673.6842% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,987 |
| Noncurrent loans to loans | 0.0530% | 4,745 |
| Net loans and leases to total assets | 49.1471% | 4,619 |
| Net loans and leases to deposits | 54.4317% | 4,772 |
| Net loans and leases to core deposits | 56.7751% | 4,805 |
| Total domestic deposits to total assets | 90.2915% | 546 |
| Equity capital to assets | 9.5937% | 4,005 |
| Core capital (leverage) ratio | 10.1235% | 3,394 |
| Tier 1 risk-based capital ratio | 25.8239% | 700 |
| Total risk-based capital ratio | 27.0080% | 685 |
| Memoranda: | ||
| Average total assets | $70,588,500 | 4,731 |
| Average earning assets | $66,616,000 | 4,703 |
| Average equity | $6,854,000 | 4,917 |
| Average total loans | $35,788,000 | 4,804 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 3,867 |
| Cost of funding earning assets | 0.1544% | 5,235 |
| Net interest margin | 3.7012% | 2,791 |
| Noninterest income to average assets | 0.6062% | 2,418 |
| Noninterest expense to average assets | 2.8974% | 2,464 |
| Loan and lease loss provision to assets | 0.0358% | 3,552 |
| Net operating income to assets | 1.1021% | 1,849 |
| Return on assets (ROA) | 1.1021% | 1,870 |
| Pretax return on assets | 1.1021% | 3,176 |
| Return on Equity (ROE) | 10.7359% | 1,570 |
| Retained earnings to average equity (ytd only) | 4.6184% | 2,384 |
| Net charge-offs to loans | 0.0313% | 3,170 |
| Credit loss provision to net charge-offs | 209.0909% | 1,307 |
| Earnings coverage of net charge-offs (x) | 66.5455% | 885 |
| Efficiency ratio | 71.8028% | 2,258 |
| Assets per employee ($millions) | 4.9207% | 2,573 |
| Cash dividends to net income (ytd only)* | 56.9817% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,525 |
| Loan loss allowance to noncurrent loans | 1,590.0000% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,444 |
| Noncurrent loans to loans | 0.0560% | 4,743 |
| Net loans and leases to total assets | 51.4051% | 4,562 |
| Net loans and leases to deposits | 57.0598% | 4,744 |
| Net loans and leases to core deposits | 59.4577% | 4,781 |
| Total domestic deposits to total assets | 90.0900% | 539 |
| Equity capital to assets | 9.8316% | 3,889 |
| Core capital (leverage) ratio | 9.9212% | 3,553 |
| Tier 1 risk-based capital ratio | 25.2075% | 711 |
| Total risk-based capital ratio | 26.3910% | 702 |
| Memoranda: | ||
| Average total assets | $64,333,400 | 4,872 |
| Average earning assets | $59,603,000 | 4,867 |
| Average equity | $6,604,000 | 5,005 |
| Average total loans | $35,093,600 | 4,866 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 3,839 |
| Cost of funding earning assets | 0.1551% | 5,285 |
| Net interest margin | 3.6927% | 2,784 |
| Noninterest income to average assets | 0.5865% | 2,557 |
| Noninterest expense to average assets | 2.9285% | 2,312 |
| Loan and lease loss provision to assets | 0.0380% | 3,345 |
| Net operating income to assets | 1.0359% | 2,390 |
| Return on assets (ROA) | 1.0359% | 2,426 |
| Pretax return on assets | 1.0359% | 3,541 |
| Return on Equity (ROE) | 9.9768% | 2,147 |
| Retained earnings to average equity (ytd only) | 3.8200% | 3,648 |
| Net charge-offs to loans | 0.0229% | 2,999 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 84.8313% | 778 |
| Efficiency ratio | 73.1682% | 2,016 |
| Assets per employee ($millions) | 4.9264% | 2,542 |
| Cash dividends to net income (ytd only)* | 61.7108% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,638 |
| Loan loss allowance to noncurrent loans | 1,585.0000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,573 |
| Noncurrent loans to loans | 0.0556% | 4,860 |
| Net loans and leases to total assets | 51.6565% | 4,599 |
| Net loans and leases to deposits | 57.2616% | 4,803 |
| Net loans and leases to core deposits | 59.6797% | 4,831 |
| Total domestic deposits to total assets | 90.2115% | 406 |
| Equity capital to assets | 9.6507% | 4,294 |
| Core capital (leverage) ratio | 10.2556% | 3,251 |
| Tier 1 risk-based capital ratio | 24.3026% | 818 |
| Total risk-based capital ratio | 25.4601% | 809 |
| Memoranda: | ||
| Average total assets | $63,194,250 | 4,953 |
| Average earning assets | $58,456,750 | 4,948 |
| Average equity | $6,561,750 | 5,064 |
| Average total loans | $34,934,250 | 4,922 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 3,571 |
| Cost of funding earning assets | 0.1556% | 5,306 |
| Net interest margin | 3.7371% | 2,526 |
| Noninterest income to average assets | 0.6267% | 2,334 |
| Noninterest expense to average assets | 2.9901% | 2,141 |
| Loan and lease loss provision to assets | 0.0261% | 3,477 |
| Net operating income to assets | 1.0609% | 2,162 |
| Return on assets (ROA) | 1.0609% | 2,202 |
| Pretax return on assets | 1.0609% | 3,337 |
| Return on Equity (ROE) | 9.9536% | 2,059 |
| Retained earnings to average equity (ytd only) | 3.7670% | 3,447 |
| Net charge-offs to loans | 0.0058% | 3,254 |
| Credit loss provision to net charge-offs | 800.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 255 |
| Efficiency ratio | 73.3387% | 2,121 |
| Assets per employee ($millions) | 4.5178% | 3,075 |
| Cash dividends to net income (ytd only)* | 62.1538% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 4,690 |
| Loan loss allowance to noncurrent loans | 331.9149% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,578 |
| Noncurrent loans to loans | 0.2675% | 4,083 |
| Net loans and leases to total assets | 55.0712% | 4,305 |
| Net loans and leases to deposits | 61.5472% | 4,530 |
| Net loans and leases to core deposits | 64.1438% | 4,593 |
| Total domestic deposits to total assets | 89.4781% | 732 |
| Equity capital to assets | 10.4207% | 3,439 |
| Core capital (leverage) ratio | 10.6668% | 2,742 |
| Tier 1 risk-based capital ratio | 24.8436% | 764 |
| Total risk-based capital ratio | 26.0196% | 753 |
| Memoranda: | ||
| Average total assets | $61,269,330 | 5,035 |
| Average earning assets | $56,567,670 | 5,030 |
| Average equity | $6,530,330 | 5,100 |
| Average total loans | $34,597,670 | 4,963 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,453 |
| Cost of funding earning assets | 0.1521% | 5,356 |
| Net interest margin | 3.7310% | 2,379 |
| Noninterest income to average assets | 0.6768% | 2,055 |
| Noninterest expense to average assets | 2.9396% | 2,330 |
| Loan and lease loss provision to assets | 0.0531% | 2,746 |
| Net operating income to assets | 1.1015% | 1,860 |
| Return on assets (ROA) | 1.1015% | 1,904 |
| Pretax return on assets | 1.1015% | 2,974 |
| Return on Equity (ROE) | 10.2154% | 1,863 |
| Retained earnings to average equity (ytd only) | 3.9385% | 3,475 |
| Net charge-offs to loans | 0.0233% | 2,297 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 613 |
| Efficiency ratio | 71.7990% | 2,615 |
| Assets per employee ($millions) | 4.4630% | 3,230 |
| Cash dividends to net income (ytd only)* | 61.4458% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,692 |
| Loan loss allowance to noncurrent loans | 361.6279% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,711 |
| Noncurrent loans to loans | 0.2535% | 4,204 |
| Net loans and leases to total assets | 53.7899% | 4,352 |
| Net loans and leases to deposits | 60.1536% | 4,555 |
| Net loans and leases to core deposits | 62.9241% | 4,595 |
| Total domestic deposits to total assets | 89.4210% | 935 |
| Equity capital to assets | 10.4542% | 3,230 |
| Core capital (leverage) ratio | 10.8945% | 2,485 |
| Tier 1 risk-based capital ratio | 25.6097% | 719 |
| Total risk-based capital ratio | 26.8290% | 707 |
| Memoranda: | ||
| Average total assets | $60,279,500 | 5,108 |
| Average earning assets | $55,212,500 | 5,118 |
| Average equity | $6,500,000 | 5,155 |
| Average total loans | $34,324,500 | 5,021 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 3,597 |
| Cost of funding earning assets | 0.1585% | 5,363 |
| Net interest margin | 3.7327% | 2,565 |
| Noninterest income to average assets | 0.6812% | 2,256 |
| Noninterest expense to average assets | 2.9906% | 2,379 |
| Loan and lease loss provision to assets | 0.0828% | 2,704 |
| Net operating income to assets | 1.0607% | 2,085 |
| Return on assets (ROA) | 1.0607% | 2,190 |
| Pretax return on assets | 1.0607% | 3,259 |
| Return on Equity (ROE) | 9.6462% | 2,129 |
| Retained earnings to average equity (ytd only) | 3.1526% | 3,665 |
| Net charge-offs to loans | 0.0791% | 2,556 |
| Credit loss provision to net charge-offs | 184.6154% | 1,522 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,586 |
| Efficiency ratio | 72.3404% | 2,539 |
| Assets per employee ($millions) | 4.8398% | 2,588 |
| Cash dividends to net income (ytd only)* | 67.3171% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 4,865 |
| Loan loss allowance to noncurrent loans | 4,357.1429% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,356 |
| Noncurrent loans to loans | 0.0202% | 5,192 |
| Net loans and leases to total assets | 59.2730% | 3,929 |
| Net loans and leases to deposits | 66.7753% | 4,189 |
| Net loans and leases to core deposits | 70.2015% | 4,225 |
| Total domestic deposits to total assets | 88.7649% | 1,223 |
| Equity capital to assets | 11.1369% | 2,493 |
| Core capital (leverage) ratio | 10.9674% | 2,373 |
| Tier 1 risk-based capital ratio | 24.4131% | 827 |
| Total risk-based capital ratio | 25.5643% | 815 |
| Memoranda: | ||
| Average total assets | $57,982,600 | 5,193 |
| Average earning assets | $53,634,400 | 5,177 |
| Average equity | $6,375,600 | 5,216 |
| Average total loans | $32,874,000 | 5,100 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 3,755 |
| Cost of funding earning assets | 0.1546% | 5,455 |
| Net interest margin | 3.6993% | 2,721 |
| Noninterest income to average assets | 0.6970% | 2,180 |
| Noninterest expense to average assets | 2.9905% | 2,347 |
| Loan and lease loss provision to assets | 0.0529% | 3,201 |
| Net operating income to assets | 1.0651% | 2,143 |
| Return on assets (ROA) | 1.0651% | 2,249 |
| Pretax return on assets | 1.0651% | 3,374 |
| Return on Equity (ROE) | 9.7177% | 2,179 |
| Retained earnings to average equity (ytd only) | 3.2112% | 3,986 |
| Net charge-offs to loans | 0.0576% | 2,532 |
| Credit loss provision to net charge-offs | 164.2857% | 1,676 |
| Earnings coverage of net charge-offs (x) | 34.7070% | 1,355 |
| Efficiency ratio | 72.7884% | 2,463 |
| Assets per employee ($millions) | 4.9055% | 2,486 |
| Cash dividends to net income (ytd only)* | 66.9539% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,982 |
| Loan loss allowance to noncurrent loans | 335.6322% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,850 |
| Noncurrent loans to loans | 0.2581% | 4,340 |
| Net loans and leases to total assets | 56.7730% | 4,221 |
| Net loans and leases to deposits | 63.8359% | 4,501 |
| Net loans and leases to core deposits | 67.4402% | 4,513 |
| Total domestic deposits to total assets | 88.9359% | 942 |
| Equity capital to assets | 10.9061% | 3,120 |
| Core capital (leverage) ratio | 11.0875% | 2,364 |
| Tier 1 risk-based capital ratio | 25.1498% | 802 |
| Total risk-based capital ratio | 26.2937% | 795 |
| Memoranda: | ||
| Average total assets | $57,959,000 | 5,237 |
| Average earning assets | $53,450,750 | 5,225 |
| Average equity | $6,352,500 | 5,272 |
| Average total loans | $32,410,250 | 5,166 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,795 |
| Cost of funding earning assets | 0.1538% | 5,523 |
| Net interest margin | 3.6900% | 2,733 |
| Noninterest income to average assets | 0.7146% | 2,071 |
| Noninterest expense to average assets | 2.9624% | 2,477 |
| Loan and lease loss provision to assets | 0.0624% | 2,886 |
| Net operating income to assets | 1.1031% | 1,945 |
| Return on assets (ROA) | 1.1031% | 2,071 |
| Pretax return on assets | 1.1031% | 3,187 |
| Return on Equity (ROE) | 10.0474% | 2,028 |
| Retained earnings to average equity (ytd only) | 3.8863% | 3,431 |
| Net charge-offs to loans | 0.0063% | 3,469 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 204 |
| Efficiency ratio | 71.7647% | 2,701 |
| Assets per employee ($millions) | 4.4577% | 3,109 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,898 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 4,957 |
| Noncurrent loans to loans | 0.2446% | 4,474 |
| Net loans and leases to total assets | 55.9241% | 4,322 |
| Net loans and leases to deposits | 63.0016% | 4,572 |
| Net loans and leases to core deposits | 66.6201% | 4,562 |
| Total domestic deposits to total assets | 88.7662% | 1,031 |
| Equity capital to assets | 11.0267% | 3,034 |
| Core capital (leverage) ratio | 10.9491% | 2,488 |
| Tier 1 risk-based capital ratio | 25.9682% | 727 |
| Total risk-based capital ratio | 27.1874% | 708 |
| Memoranda: | ||
| Average total assets | $57,656,670 | 5,300 |
| Average earning assets | $53,333,000 | 5,284 |
| Average equity | $6,330,000 | 5,325 |
| Average total loans | $31,976,330 | 5,230 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 3,695 |
| Cost of funding earning assets | 0.1430% | 5,655 |
| Net interest margin | 3.7267% | 2,565 |
| Noninterest income to average assets | 0.7790% | 1,697 |
| Noninterest expense to average assets | 2.9838% | 2,441 |
| Loan and lease loss provision to assets | 0.1043% | 1,963 |
| Net operating income to assets | 1.1337% | 1,772 |
| Return on assets (ROA) | 1.1337% | 1,884 |
| Pretax return on assets | 1.1337% | 2,958 |
| Return on Equity (ROE) | 10.3492% | 1,838 |
| Retained earnings to average equity (ytd only) | 4.1905% | 3,385 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6755% | 3,010 |
| Assets per employee ($millions) | 4.4891% | 3,089 |
| Cash dividends to net income (ytd only)* | 59.5092% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 4,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.8322% | 4,371 |
| Net loans and leases to deposits | 61.6029% | 4,604 |
| Net loans and leases to core deposits | 64.4453% | 4,660 |
| Total domestic deposits to total assets | 89.0092% | 1,095 |
| Equity capital to assets | 10.8520% | 3,116 |
| Core capital (leverage) ratio | 10.9849% | 2,417 |
| Tier 1 risk-based capital ratio | 25.9124% | 741 |
| Total risk-based capital ratio | 27.1318% | 730 |
| Memoranda: | ||
| Average total assets | $57,510,000 | 5,347 |
| Average earning assets | $53,129,500 | 5,339 |
| Average equity | $6,300,000 | 5,364 |
| Average total loans | $31,610,500 | 5,281 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,708 |
| Cost of funding earning assets | 0.1672% | 5,556 |
| Net interest margin | 3.7312% | 2,639 |
| Noninterest income to average assets | 0.6934% | 2,237 |
| Noninterest expense to average assets | 3.0974% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0246% | 2,237 |
| Return on assets (ROA) | 1.0246% | 2,318 |
| Pretax return on assets | 1.0246% | 3,365 |
| Return on Equity (ROE) | 9.0468% | 2,432 |
| Retained earnings to average equity (ytd only) | 2.3263% | 4,401 |
| Net charge-offs to loans | 0.1855% | 1,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.8246% | 2,773 |
| Efficiency ratio | 75.1443% | 2,404 |
| Assets per employee ($millions) | 4.3586% | 3,290 |
| Cash dividends to net income (ytd only)* | 74.2857% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 5,026 |
| Loan loss allowance to noncurrent loans | 1,886.6667% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 3,756 |
| Noncurrent loans to loans | 0.0485% | 5,323 |
| Net loans and leases to total assets | 54.0768% | 4,493 |
| Net loans and leases to deposits | 60.8463% | 4,711 |
| Net loans and leases to core deposits | 63.7425% | 4,748 |
| Total domestic deposits to total assets | 88.8744% | 1,191 |
| Equity capital to assets | 11.0603% | 2,762 |
| Core capital (leverage) ratio | 11.0261% | 2,380 |
| Tier 1 risk-based capital ratio | 26.7603% | 689 |
| Total risk-based capital ratio | 27.9687% | 669 |
| Memoranda: | ||
| Average total assets | $54,658,000 | 5,439 |
| Average earning assets | $50,225,200 | 5,431 |
| Average equity | $6,190,000 | 5,401 |
| Average total loans | $30,728,200 | 5,333 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 3,702 |
| Cost of funding earning assets | 0.1694% | 5,639 |
| Net interest margin | 3.7455% | 2,580 |
| Noninterest income to average assets | 0.7090% | 2,194 |
| Noninterest expense to average assets | 3.0503% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0882% | 2,064 |
| Return on assets (ROA) | 1.0882% | 2,143 |
| Pretax return on assets | 1.0882% | 3,273 |
| Return on Equity (ROE) | 9.5502% | 2,295 |
| Retained earnings to average equity (ytd only) | 2.6144% | 4,550 |
| Net charge-offs to loans | 0.0826% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 23.2657% | 1,745 |
| Efficiency ratio | 73.7061% | 2,607 |
| Assets per employee ($millions) | 4.5174% | 2,978 |
| Cash dividends to net income (ytd only)* | 72.6244% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 4,711 |
| Loan loss allowance to noncurrent loans | 289.1892% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 3,618 |
| Noncurrent loans to loans | 0.3482% | 4,365 |
| Net loans and leases to total assets | 53.7428% | 4,588 |
| Net loans and leases to deposits | 60.2217% | 4,840 |
| Net loans and leases to core deposits | 62.9671% | 4,868 |
| Total domestic deposits to total assets | 89.2416% | 902 |
| Equity capital to assets | 10.6324% | 3,431 |
| Core capital (leverage) ratio | 11.3003% | 2,198 |
| Tier 1 risk-based capital ratio | 25.8894% | 778 |
| Total risk-based capital ratio | 27.1416% | 761 |
| Memoranda: | ||
| Average total assets | $54,157,000 | 5,522 |
| Average earning assets | $49,587,750 | 5,515 |
| Average equity | $6,170,750 | 5,466 |
| Average total loans | $30,679,250 | 5,397 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,429 |
| Cost of funding earning assets | 0.1779% | 5,629 |
| Net interest margin | 3.7860% | 2,378 |
| Noninterest income to average assets | 0.7334% | 2,069 |
| Noninterest expense to average assets | 3.1425% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0678% | 2,068 |
| Return on assets (ROA) | 1.0678% | 2,169 |
| Pretax return on assets | 1.0678% | 3,314 |
| Return on Equity (ROE) | 9.1437% | 2,458 |
| Retained earnings to average equity (ytd only) | 1.8548% | 4,770 |
| Net charge-offs to loans | 0.0198% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 627 |
| Efficiency ratio | 74.6390% | 2,587 |
| Assets per employee ($millions) | 4.1245% | 3,630 |
| Cash dividends to net income (ytd only)* | 79.7153% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 4,456 |
| Loan loss allowance to noncurrent loans | 309.1743% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 5,053 |
| Noncurrent loans to loans | 0.3484% | 4,446 |
| Net loans and leases to total assets | 57.7213% | 4,138 |
| Net loans and leases to deposits | 65.3125% | 4,403 |
| Net loans and leases to core deposits | 69.7820% | 4,343 |
| Total domestic deposits to total assets | 88.3770% | 1,451 |
| Equity capital to assets | 11.5260% | 2,393 |
| Core capital (leverage) ratio | 11.6487% | 1,887 |
| Tier 1 risk-based capital ratio | 26.1842% | 764 |
| Total risk-based capital ratio | 27.4384% | 750 |
| Memoranda: | ||
| Average total assets | $52,634,000 | 5,621 |
| Average earning assets | $48,335,670 | 5,600 |
| Average equity | $6,146,330 | 5,516 |
| Average total loans | $30,278,330 | 5,461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,240 |
| Cost of funding earning assets | 0.1756% | 5,716 |
| Net interest margin | 3.8212% | 2,162 |
| Noninterest income to average assets | 0.7595% | 1,869 |
| Noninterest expense to average assets | 3.1759% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0893% | 1,905 |
| Return on assets (ROA) | 1.0893% | 2,020 |
| Pretax return on assets | 1.0893% | 3,129 |
| Return on Equity (ROE) | 9.2667% | 2,329 |
| Retained earnings to average equity (ytd only) | 0.8484% | 5,121 |
| Net charge-offs to loans | 0.1075% | 1,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,513 |
| Efficiency ratio | 74.4604% | 2,738 |
| Assets per employee ($millions) | 4.0937% | 3,767 |
| Cash dividends to net income (ytd only)* | 90.8451% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 4,486 |
| Loan loss allowance to noncurrent loans | 364.8352% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 4,645 |
| Noncurrent loans to loans | 0.3031% | 4,702 |
| Net loans and leases to total assets | 55.7950% | 4,228 |
| Net loans and leases to deposits | 63.1591% | 4,467 |
| Net loans and leases to core deposits | 67.5132% | 4,384 |
| Total domestic deposits to total assets | 88.3404% | 1,637 |
| Equity capital to assets | 11.5299% | 2,441 |
| Core capital (leverage) ratio | 11.8922% | 1,705 |
| Tier 1 risk-based capital ratio | 26.9584% | 719 |
| Total risk-based capital ratio | 28.2105% | 703 |
| Memoranda: | ||
| Average total assets | $52,142,000 | 5,683 |
| Average earning assets | $47,838,500 | 5,662 |
| Average equity | $6,129,500 | 5,572 |
| Average total loans | $29,774,500 | 5,518 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 2,274 |
| Cost of funding earning assets | 0.1932% | 5,808 |
| Net interest margin | 4.1906% | 1,332 |
| Noninterest income to average assets | 0.7908% | 1,912 |
| Noninterest expense to average assets | 3.3102% | 1,906 |
| Loan and lease loss provision to assets | 0.1590% | 1,652 |
| Net operating income to assets | 1.1564% | 1,741 |
| Return on assets (ROA) | 1.1564% | 1,813 |
| Pretax return on assets | 1.1564% | 2,846 |
| Return on Equity (ROE) | 9.6246% | 2,282 |
| Retained earnings to average equity (ytd only) | 2.7617% | 4,274 |
| Net charge-offs to loans | 0.5708% | 709 |
| Credit loss provision to net charge-offs | 48.1928% | 3,521 |
| Earnings coverage of net charge-offs (x) | 3.9880% | 3,766 |
| Efficiency ratio | 71.5636% | 3,284 |
| Assets per employee ($millions) | 3.6476% | 4,633 |
| Cash dividends to net income (ytd only)* | 71.3058% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 4,274 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 5,236 |
| Noncurrent loans to loans | 0.0677% | 5,610 |
| Net loans and leases to total assets | 57.1496% | 4,174 |
| Net loans and leases to deposits | 64.9717% | 4,430 |
| Net loans and leases to core deposits | 69.6698% | 4,350 |
| Total domestic deposits to total assets | 87.9607% | 1,796 |
| Equity capital to assets | 11.9904% | 2,022 |
| Core capital (leverage) ratio | 11.9791% | 1,632 |
| Tier 1 risk-based capital ratio | 26.5824% | 714 |
| Total risk-based capital ratio | 27.8328% | 699 |
| Memoranda: | ||
| Average total assets | $50,329,800 | 5,778 |
| Average earning assets | $46,055,200 | 5,772 |
| Average equity | $6,047,000 | 5,609 |
| Average total loans | $29,082,800 | 5,600 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 2,728 |
| Cost of funding earning assets | 0.1952% | 5,869 |
| Net interest margin | 4.0794% | 1,640 |
| Noninterest income to average assets | 0.8056% | 1,876 |
| Noninterest expense to average assets | 3.3182% | 1,863 |
| Loan and lease loss provision to assets | 0.1197% | 2,074 |
| Net operating income to assets | 1.0901% | 2,072 |
| Return on assets (ROA) | 1.0901% | 2,144 |
| Pretax return on assets | 1.0901% | 3,230 |
| Return on Equity (ROE) | 9.0685% | 2,643 |
| Retained earnings to average equity (ytd only) | 2.7870% | 4,618 |
| Net charge-offs to loans | 0.1933% | 1,922 |
| Credit loss provision to net charge-offs | 107.1429% | 2,076 |
| Earnings coverage of net charge-offs (x) | 10.8330% | 2,499 |
| Efficiency ratio | 73.2824% | 2,942 |
| Assets per employee ($millions) | 3.6003% | 4,679 |
| Cash dividends to net income (ytd only)* | 69.2692% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 3,092 |
| Loan loss allowance to noncurrent loans | 67.2414% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 2,434 |
| Noncurrent loans to loans | 2.1078% | 1,486 |
| Net loans and leases to total assets | 59.1997% | 3,907 |
| Net loans and leases to deposits | 67.4404% | 4,191 |
| Net loans and leases to core deposits | 72.9168% | 4,060 |
| Total domestic deposits to total assets | 87.7807% | 1,876 |
| Equity capital to assets | 12.0665% | 2,002 |
| Core capital (leverage) ratio | 12.0295% | 1,688 |
| Tier 1 risk-based capital ratio | 25.5439% | 824 |
| Total risk-based capital ratio | 26.7997% | 813 |
| Memoranda: | ||
| Average total assets | $50,145,750 | 5,849 |
| Average earning assets | $45,757,000 | 5,846 |
| Average equity | $6,028,000 | 5,673 |
| Average total loans | $28,972,500 | 5,664 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,814 |
| Cost of funding earning assets | 0.1929% | 5,977 |
| Net interest margin | 4.0459% | 1,672 |
| Noninterest income to average assets | 0.8230% | 1,755 |
| Noninterest expense to average assets | 3.2841% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2265% | 1,512 |
| Return on assets (ROA) | 1.2265% | 1,571 |
| Pretax return on assets | 1.2265% | 2,550 |
| Return on Equity (ROE) | 10.2163% | 2,051 |
| Retained earnings to average equity (ytd only) | 3.8935% | 3,701 |
| Net charge-offs to loans | 0.0491% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 985 |
| Efficiency ratio | 72.8078% | 3,191 |
| Assets per employee ($millions) | 3.6284% | 4,601 |
| Cash dividends to net income (ytd only)* | 61.8893% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 57.7495% | 4,020 |
| Net loans and leases to deposits | 65.6499% | 4,305 |
| Net loans and leases to core deposits | 71.8502% | 4,062 |
| Total domestic deposits to total assets | 87.9658% | 1,919 |
| Equity capital to assets | 11.9554% | 2,018 |
| Core capital (leverage) ratio | 11.8218% | 1,774 |
| Tier 1 risk-based capital ratio | 25.8635% | 788 |
| Total risk-based capital ratio | 27.1198% | 770 |
| Memoranda: | ||
| Average total assets | $50,059,670 | 5,906 |
| Average earning assets | $45,626,000 | 5,895 |
| Average equity | $6,010,000 | 5,718 |
| Average total loans | $28,540,670 | 5,720 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,786 |
| Cost of funding earning assets | 0.1875% | 6,094 |
| Net interest margin | 4.0357% | 1,642 |
| Noninterest income to average assets | 0.8452% | 1,581 |
| Noninterest expense to average assets | 3.3728% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1109% | 1,776 |
| Return on assets (ROA) | 1.1109% | 1,829 |
| Pretax return on assets | 1.1109% | 2,851 |
| Return on Equity (ROE) | 9.2331% | 2,358 |
| Retained earnings to average equity (ytd only) | 3.0108% | 4,306 |
| Net charge-offs to loans | 0.0430% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 803 |
| Efficiency ratio | 75.2244% | 2,925 |
| Assets per employee ($millions) | 3.6097% | 4,696 |
| Cash dividends to net income (ytd only)* | 67.3913% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 56.9277% | 4,011 |
| Net loans and leases to deposits | 64.6756% | 4,247 |
| Net loans and leases to core deposits | 70.3915% | 4,049 |
| Total domestic deposits to total assets | 88.0204% | 2,228 |
| Equity capital to assets | 11.8747% | 1,954 |
| Core capital (leverage) ratio | 12.2076% | 1,530 |
| Tier 1 risk-based capital ratio | 25.6190% | 819 |
| Total risk-based capital ratio | 26.8741% | 800 |
| Memoranda: | ||
| Average total assets | $49,691,000 | 5,972 |
| Average earning assets | $44,800,500 | 5,978 |
| Average equity | $5,978,500 | 5,751 |
| Average total loans | $27,934,000 | 5,803 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 3,570 |
| Cost of funding earning assets | 0.2425% | 6,016 |
| Net interest margin | 3.8994% | 2,287 |
| Noninterest income to average assets | 0.8068% | 2,053 |
| Noninterest expense to average assets | 3.2785% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1181% | 1,875 |
| Return on assets (ROA) | 1.1181% | 1,940 |
| Pretax return on assets | 1.1181% | 2,893 |
| Return on Equity (ROE) | 9.3247% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.1082% | 4,024 |
| Net charge-offs to loans | 0.0226% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 498 |
| Efficiency ratio | 74.5692% | 3,036 |
| Assets per employee ($millions) | 3.4890% | 4,916 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 2,775 |
| Loan loss allowance to noncurrent loans | 906.3830% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 6,054 |
| Noncurrent loans to loans | 0.1762% | 5,671 |
| Net loans and leases to total assets | 53.7403% | 4,618 |
| Net loans and leases to deposits | 61.2359% | 4,802 |
| Net loans and leases to core deposits | 66.9165% | 4,626 |
| Total domestic deposits to total assets | 87.7595% | 2,329 |
| Equity capital to assets | 12.1934% | 1,687 |
| Core capital (leverage) ratio | 12.3448% | 1,426 |
| Tier 1 risk-based capital ratio | 28.1182% | 603 |
| Total risk-based capital ratio | 29.3787% | 589 |
| Memoranda: | ||
| Average total assets | $48,833,800 | 6,041 |
| Average earning assets | $44,955,200 | 6,021 |
| Average equity | $5,855,400 | 5,851 |
| Average total loans | $26,556,600 | 5,908 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,650 |
| Cost of funding earning assets | 0.2540% | 6,056 |
| Net interest margin | 3.8747% | 2,363 |
| Noninterest income to average assets | 0.8137% | 2,078 |
| Noninterest expense to average assets | 3.2793% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1168% | 1,949 |
| Return on assets (ROA) | 1.1168% | 2,015 |
| Pretax return on assets | 1.1168% | 3,037 |
| Return on Equity (ROE) | 9.3533% | 2,461 |
| Retained earnings to average equity (ytd only) | 3.1102% | 4,459 |
| Net charge-offs to loans | 0.0251% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 81.7571% | 580 |
| Efficiency ratio | 74.5963% | 2,968 |
| Assets per employee ($millions) | 3.4760% | 4,890 |
| Cash dividends to net income (ytd only)* | 66.7480% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 3,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.1517% | 4,436 |
| Net loans and leases to deposits | 62.8695% | 4,646 |
| Net loans and leases to core deposits | 68.7580% | 4,463 |
| Total domestic deposits to total assets | 87.7240% | 2,285 |
| Equity capital to assets | 12.1445% | 1,832 |
| Core capital (leverage) ratio | 11.9471% | 1,702 |
| Tier 1 risk-based capital ratio | 27.8734% | 641 |
| Total risk-based capital ratio | 29.1327% | 632 |
| Memoranda: | ||
| Average total assets | $48,830,750 | 6,113 |
| Average earning assets | $45,146,250 | 6,087 |
| Average equity | $5,830,250 | 5,926 |
| Average total loans | $26,526,750 | 5,970 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 4,151 |
| Cost of funding earning assets | 0.2662% | 6,067 |
| Net interest margin | 3.7221% | 2,879 |
| Noninterest income to average assets | 0.8100% | 2,146 |
| Noninterest expense to average assets | 3.2361% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0064% | 2,306 |
| Return on assets (ROA) | 1.0064% | 2,441 |
| Pretax return on assets | 1.0064% | 3,482 |
| Return on Equity (ROE) | 8.4774% | 2,857 |
| Retained earnings to average equity (ytd only) | 2.2400% | 4,849 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2777% | 2,738 |
| Assets per employee ($millions) | 3.2835% | 5,301 |
| Cash dividends to net income (ytd only)* | 73.5772% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,139 |
| Loan loss allowance to noncurrent loans | 69.2308% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 3,226 |
| Noncurrent loans to loans | 2.3189% | 2,040 |
| Net loans and leases to total assets | 53.7571% | 4,624 |
| Net loans and leases to deposits | 61.1041% | 4,848 |
| Net loans and leases to core deposits | 66.7465% | 4,620 |
| Total domestic deposits to total assets | 87.9764% | 2,262 |
| Equity capital to assets | 11.8551% | 2,004 |
| Core capital (leverage) ratio | 11.8761% | 1,685 |
| Tier 1 risk-based capital ratio | 28.2132% | 615 |
| Total risk-based capital ratio | 29.4695% | 608 |
| Memoranda: | ||
| Average total assets | $48,886,330 | 6,151 |
| Average earning assets | $45,082,000 | 6,134 |
| Average equity | $5,803,670 | 5,973 |
| Average total loans | $26,280,330 | 6,009 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 4,512 |
| Cost of funding earning assets | 0.2772% | 6,121 |
| Net interest margin | 3.6124% | 3,209 |
| Noninterest income to average assets | 0.8624% | 1,892 |
| Noninterest expense to average assets | 3.2359% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9445% | 2,456 |
| Return on assets (ROA) | 0.9445% | 2,599 |
| Pretax return on assets | 0.9445% | 3,589 |
| Return on Equity (ROE) | 7.9502% | 3,003 |
| Retained earnings to average equity (ytd only) | 1.6592% | 5,154 |
| Net charge-offs to loans | 0.0154% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 335 |
| Efficiency ratio | 77.4067% | 2,708 |
| Assets per employee ($millions) | 3.2587% | 5,525 |
| Cash dividends to net income (ytd only)* | 79.1304% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 3,209 |
| Loan loss allowance to noncurrent loans | 69.0705% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 3,423 |
| Noncurrent loans to loans | 2.3843% | 2,176 |
| Net loans and leases to total assets | 52.6585% | 4,606 |
| Net loans and leases to deposits | 59.7993% | 4,813 |
| Net loans and leases to core deposits | 65.3714% | 4,606 |
| Total domestic deposits to total assets | 88.0588% | 2,277 |
| Equity capital to assets | 11.8615% | 2,135 |
| Core capital (leverage) ratio | 12.2156% | 1,452 |
| Tier 1 risk-based capital ratio | 28.1744% | 632 |
| Total risk-based capital ratio | 29.4329% | 619 |
| Memoranda: | ||
| Average total assets | $48,703,000 | 6,216 |
| Average earning assets | $44,734,500 | 6,197 |
| Average equity | $5,786,000 | 6,036 |
| Average total loans | $25,966,000 | 6,072 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 3,602 |
| Cost of funding earning assets | 0.3189% | 6,362 |
| Net interest margin | 4.1342% | 1,873 |
| Noninterest income to average assets | 0.9078% | 1,837 |
| Noninterest expense to average assets | 3.4488% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2984% | 1,304 |
| Return on assets (ROA) | 1.2984% | 1,452 |
| Pretax return on assets | 1.2984% | 2,405 |
| Return on Equity (ROE) | 10.6593% | 1,917 |
| Retained earnings to average equity (ytd only) | 3.4533% | 3,796 |
| Net charge-offs to loans | 0.0039% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 605.0000% | 68 |
| Efficiency ratio | 72.6492% | 3,294 |
| Assets per employee ($millions) | 3.2350% | 5,549 |
| Cash dividends to net income (ytd only)* | 67.6033% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 3,018 |
| Loan loss allowance to noncurrent loans | 72.0000% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 3,531 |
| Noncurrent loans to loans | 2.3291% | 2,307 |
| Net loans and leases to total assets | 52.1978% | 4,902 |
| Net loans and leases to deposits | 59.2921% | 5,094 |
| Net loans and leases to core deposits | 64.8564% | 4,855 |
| Total domestic deposits to total assets | 88.0350% | 2,217 |
| Equity capital to assets | 11.8990% | 2,114 |
| Core capital (leverage) ratio | 12.5019% | 1,316 |
| Tier 1 risk-based capital ratio | 28.3303% | 605 |
| Total risk-based capital ratio | 29.5913% | 588 |
| Memoranda: | ||
| Average total assets | $46,595,600 | 6,308 |
| Average earning assets | $43,273,400 | 6,260 |
| Average equity | $5,675,800 | 6,108 |
| Average total loans | $25,831,200 | 6,149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 3,695 |
| Cost of funding earning assets | 0.3226% | 6,499 |
| Net interest margin | 4.1626% | 1,857 |
| Noninterest income to average assets | 0.9310% | 1,731 |
| Noninterest expense to average assets | 3.4552% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3561% | 1,317 |
| Return on assets (ROA) | 1.3561% | 1,455 |
| Pretax return on assets | 1.3561% | 2,391 |
| Return on Equity (ROE) | 11.0652% | 1,933 |
| Retained earnings to average equity (ytd only) | 3.5626% | 4,371 |
| Net charge-offs to loans | 0.0051% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 470.1654% | 95 |
| Efficiency ratio | 71.8149% | 3,362 |
| Assets per employee ($millions) | 3.1263% | 5,791 |
| Cash dividends to net income (ytd only)* | 67.8037% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 3,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 6,645 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 55.0059% | 4,594 |
| Net loans and leases to deposits | 62.7784% | 4,880 |
| Net loans and leases to core deposits | 68.9448% | 4,617 |
| Total domestic deposits to total assets | 87.6191% | 2,283 |
| Equity capital to assets | 12.2167% | 2,100 |
| Core capital (leverage) ratio | 12.3024% | 1,495 |
| Tier 1 risk-based capital ratio | 27.4851% | 702 |
| Total risk-based capital ratio | 28.7421% | 686 |
| Memoranda: | ||
| Average total assets | $46,113,250 | 6,396 |
| Average earning assets | $42,984,500 | 6,341 |
| Average equity | $5,651,250 | 6,181 |
| Average total loans | $25,848,750 | 6,223 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 3,832 |
| Cost of funding earning assets | 0.3359% | 6,569 |
| Net interest margin | 4.1480% | 1,914 |
| Noninterest income to average assets | 0.9552% | 1,597 |
| Noninterest expense to average assets | 3.4502% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3827% | 1,224 |
| Return on assets (ROA) | 1.3827% | 1,372 |
| Pretax return on assets | 1.3827% | 2,271 |
| Return on Equity (ROE) | 11.2704% | 1,893 |
| Retained earnings to average equity (ytd only) | 3.2709% | 4,438 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3899% | 3,536 |
| Assets per employee ($millions) | 3.0406% | 5,979 |
| Cash dividends to net income (ytd only)* | 70.9779% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 3,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,676 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.1139% | 4,450 |
| Net loans and leases to deposits | 64.1493% | 4,749 |
| Net loans and leases to core deposits | 71.2004% | 4,390 |
| Total domestic deposits to total assets | 87.4740% | 2,486 |
| Equity capital to assets | 12.4318% | 1,857 |
| Core capital (leverage) ratio | 12.3183% | 1,438 |
| Tier 1 risk-based capital ratio | 27.2583% | 703 |
| Total risk-based capital ratio | 28.5179% | 686 |
| Memoranda: | ||
| Average total assets | $45,852,670 | 6,440 |
| Average earning assets | $42,864,330 | 6,386 |
| Average equity | $5,625,330 | 6,209 |
| Average total loans | $25,722,670 | 6,276 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 4,118 |
| Cost of funding earning assets | 0.3530% | 6,625 |
| Net interest margin | 4.0964% | 2,101 |
| Noninterest income to average assets | 1.0528% | 1,301 |
| Noninterest expense to average assets | 3.4541% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4356% | 1,152 |
| Return on assets (ROA) | 1.4356% | 1,292 |
| Pretax return on assets | 1.4356% | 2,069 |
| Return on Equity (ROE) | 11.7794% | 1,744 |
| Retained earnings to average equity (ytd only) | 3.6409% | 4,394 |
| Net charge-offs to loans | -0.0156% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6406% | 3,693 |
| Assets per employee ($millions) | 3.1197% | 5,920 |
| Cash dividends to net income (ytd only)* | 69.0909% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,754 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.1243% | 4,702 |
| Net loans and leases to deposits | 61.6313% | 4,969 |
| Net loans and leases to core deposits | 68.8261% | 4,586 |
| Total domestic deposits to total assets | 87.8195% | 2,442 |
| Equity capital to assets | 12.0267% | 2,020 |
| Core capital (leverage) ratio | 12.1461% | 1,507 |
| Tier 1 risk-based capital ratio | 27.4523% | 691 |
| Total risk-based capital ratio | 28.7108% | 672 |
| Memoranda: | ||
| Average total assets | $45,974,500 | 6,484 |
| Average earning assets | $43,062,500 | 6,427 |
| Average equity | $5,603,000 | 6,247 |
| Average total loans | $25,571,000 | 6,331 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 3,287 |
| Cost of funding earning assets | 0.4118% | 6,860 |
| Net interest margin | 4.5036% | 1,120 |
| Noninterest income to average assets | 1.0024% | 1,362 |
| Noninterest expense to average assets | 3.6846% | 1,564 |
| Loan and lease loss provision to assets | 0.1580% | 4,658 |
| Net operating income to assets | 1.3569% | 1,123 |
| Return on assets (ROA) | 1.3569% | 1,212 |
| Pretax return on assets | 1.3569% | 1,924 |
| Return on Equity (ROE) | 11.1263% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.5906% | 1,700 |
| Net charge-offs to loans | 0.3127% | 3,834 |
| Credit loss provision to net charge-offs | 87.5000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 8.3875% | 2,157 |
| Efficiency ratio | 70.8641% | 3,803 |
| Assets per employee ($millions) | 3.0102% | 6,061 |
| Cash dividends to net income (ytd only)* | 40.7654% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 6,810 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.2499% | 4,848 |
| Net loans and leases to deposits | 63.1106% | 5,111 |
| Net loans and leases to core deposits | 71.2955% | 4,619 |
| Total domestic deposits to total assets | 87.5446% | 2,448 |
| Equity capital to assets | 12.3536% | 1,879 |
| Core capital (leverage) ratio | 12.1206% | 1,523 |
| Tier 1 risk-based capital ratio | 27.5797% | 656 |
| Total risk-based capital ratio | 28.8405% | 644 |
| Memoranda: | ||
| Average total assets | $44,292,200 | 6,528 |
| Average earning assets | $41,278,000 | 6,485 |
| Average equity | $5,401,600 | 6,326 |
| Average total loans | $25,584,800 | 6,386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 3,231 |
| Cost of funding earning assets | 0.4352% | 6,922 |
| Net interest margin | 4.5369% | 1,072 |
| Noninterest income to average assets | 1.0375% | 1,254 |
| Noninterest expense to average assets | 3.6844% | 1,526 |
| Loan and lease loss provision to assets | 0.1966% | 4,058 |
| Net operating income to assets | 1.3824% | 1,196 |
| Return on assets (ROA) | 1.3824% | 1,272 |
| Pretax return on assets | 1.3824% | 1,993 |
| Return on Equity (ROE) | 11.3732% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.8189% | 2,066 |
| Net charge-offs to loans | 0.3848% | 3,194 |
| Credit loss provision to net charge-offs | 87.8378% | 3,858 |
| Earnings coverage of net charge-offs (x) | 7.0543% | 2,429 |
| Efficiency ratio | 70.0000% | 3,958 |
| Assets per employee ($millions) | 2.8475% | 6,405 |
| Cash dividends to net income (ytd only)* | 40.0430% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 3,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 6,506 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 56.0689% | 4,829 |
| Net loans and leases to deposits | 63.9008% | 5,182 |
| Net loans and leases to core deposits | 72.2018% | 4,687 |
| Total domestic deposits to total assets | 87.7436% | 2,199 |
| Equity capital to assets | 12.0632% | 2,203 |
| Core capital (leverage) ratio | 12.3099% | 1,529 |
| Tier 1 risk-based capital ratio | 26.4345% | 794 |
| Total risk-based capital ratio | 27.2570% | 814 |
| Memoranda: | ||
| Average total assets | $44,077,000 | 6,592 |
| Average earning assets | $41,054,500 | 6,544 |
| Average equity | $5,357,500 | 6,385 |
| Average total loans | $25,636,000 | 6,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 2,842 |
| Cost of funding earning assets | 0.4536% | 6,998 |
| Net interest margin | 4.6147% | 883 |
| Noninterest income to average assets | 0.9958% | 1,333 |
| Noninterest expense to average assets | 3.7676% | 1,402 |
| Loan and lease loss provision to assets | 0.1377% | 4,581 |
| Net operating income to assets | 1.3859% | 1,112 |
| Return on assets (ROA) | 1.3859% | 1,181 |
| Pretax return on assets | 1.3859% | 1,836 |
| Return on Equity (ROE) | 11.3719% | 1,680 |
| Retained earnings to average equity (ytd only) | 6.8156% | 1,963 |
| Net charge-offs to loans | 0.3762% | 3,048 |
| Credit loss provision to net charge-offs | 62.5000% | 4,285 |
| Earnings coverage of net charge-offs (x) | 6.9167% | 2,312 |
| Efficiency ratio | 71.2056% | 3,900 |
| Assets per employee ($millions) | 2.9403% | 6,217 |
| Cash dividends to net income (ytd only)* | 40.0662% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 3,398 |
| Loan loss allowance to noncurrent loans | 461.9565% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,598 |
| Noncurrent loans to loans | 0.3630% | 6,178 |
| Net loans and leases to total assets | 56.4947% | 4,900 |
| Net loans and leases to deposits | 64.4550% | 5,217 |
| Net loans and leases to core deposits | 71.5615% | 4,874 |
| Total domestic deposits to total assets | 87.6499% | 2,368 |
| Equity capital to assets | 12.2503% | 1,935 |
| Core capital (leverage) ratio | 12.1250% | 1,541 |
| Tier 1 risk-based capital ratio | 26.4684% | 768 |
| Total risk-based capital ratio | 27.7274% | 749 |
| Memoranda: | ||
| Average total assets | $43,582,670 | 6,658 |
| Average earning assets | $40,566,000 | 6,616 |
| Average equity | $5,311,330 | 6,432 |
| Average total loans | $25,521,670 | 6,508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 2,607 |
| Cost of funding earning assets | 0.4752% | 7,050 |
| Net interest margin | 4.6333% | 810 |
| Noninterest income to average assets | 0.9972% | 1,336 |
| Noninterest expense to average assets | 3.7302% | 1,478 |
| Loan and lease loss provision to assets | 0.1847% | 3,761 |
| Net operating income to assets | 1.4035% | 1,057 |
| Return on assets (ROA) | 1.4035% | 1,096 |
| Pretax return on assets | 1.4035% | 1,717 |
| Return on Equity (ROE) | 11.5469% | 1,589 |
| Retained earnings to average equity (ytd only) | 6.6091% | 2,318 |
| Net charge-offs to loans | 0.7653% | 1,684 |
| Credit loss provision to net charge-offs | 40.8163% | 3,931 |
| Earnings coverage of net charge-offs (x) | 3.5102% | 2,721 |
| Efficiency ratio | 70.1389% | 4,232 |
| Assets per employee ($millions) | 2.9199% | 6,310 |
| Cash dividends to net income (ytd only)* | 42.7632% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,717 |
| Loan loss allowance to noncurrent loans | 450.0000% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 5,636 |
| Noncurrent loans to loans | 0.3560% | 6,275 |
| Net loans and leases to total assets | 58.0630% | 4,639 |
| Net loans and leases to deposits | 66.1663% | 4,949 |
| Net loans and leases to core deposits | 75.0620% | 4,416 |
| Total domestic deposits to total assets | 87.7531% | 2,518 |
| Equity capital to assets | 12.1213% | 1,845 |
| Core capital (leverage) ratio | 12.1077% | 1,503 |
| Tier 1 risk-based capital ratio | 25.0141% | 875 |
| Total risk-based capital ratio | 26.2721% | 858 |
| Memoranda: | ||
| Average total assets | $43,321,500 | 6,714 |
| Average earning assets | $40,403,000 | 6,671 |
| Average equity | $5,265,500 | 6,463 |
| Average total loans | $25,611,500 | 6,552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4316% | 2,539 |
| Cost of funding earning assets | 0.6978% | 6,899 |
| Net interest margin | 4.7338% | 759 |
| Noninterest income to average assets | 0.9567% | 1,648 |
| Noninterest expense to average assets | 3.9254% | 1,268 |
| Loan and lease loss provision to assets | 0.2217% | 5,054 |
| Net operating income to assets | 1.2073% | 1,397 |
| Return on assets (ROA) | 1.2073% | 1,473 |
| Pretax return on assets | 1.2073% | 2,207 |
| Return on Equity (ROE) | 9.9713% | 1,936 |
| Retained earnings to average equity (ytd only) | 8.1801% | 921 |
| Net charge-offs to loans | 0.1707% | 5,304 |
| Credit loss provision to net charge-offs | 219.0476% | 1,371 |
| Earnings coverage of net charge-offs (x) | 14.1190% | 1,368 |
| Efficiency ratio | 73.3123% | 3,525 |
| Assets per employee ($millions) | 2.8563% | 6,427 |
| Cash dividends to net income (ytd only)* | 17.9641% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 3,053 |
| Loan loss allowance to noncurrent loans | 113.8817% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9803% | 5,050 |
| Noncurrent loans to loans | 1.5328% | 4,193 |
| Net loans and leases to total assets | 58.1995% | 4,996 |
| Net loans and leases to deposits | 66.3606% | 5,356 |
| Net loans and leases to core deposits | 76.2282% | 4,676 |
| Total domestic deposits to total assets | 87.7019% | 2,417 |
| Equity capital to assets | 12.1884% | 1,803 |
| Core capital (leverage) ratio | 12.0275% | 1,527 |
| Tier 1 risk-based capital ratio | 16.0702% | 2,718 |
| Total risk-based capital ratio | 17.3504% | 2,660 |
| Memoranda: | ||
| Average total assets | $41,498,800 | 6,810 |
| Average earning assets | $38,552,400 | 6,777 |
| Average equity | $5,024,400 | 6,658 |
| Average total loans | $24,607,200 | 6,702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4884% | 2,476 |
| Cost of funding earning assets | 0.7197% | 7,006 |
| Net interest margin | 4.7687% | 719 |
| Noninterest income to average assets | 0.9685% | 1,559 |
| Noninterest expense to average assets | 3.9226% | 1,174 |
| Loan and lease loss provision to assets | 0.2008% | 5,045 |
| Net operating income to assets | 1.2665% | 1,422 |
| Return on assets (ROA) | 1.2665% | 1,503 |
| Pretax return on assets | 1.2665% | 2,275 |
| Return on Equity (ROE) | 10.4788% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.0667% | 1,402 |
| Net charge-offs to loans | 0.2184% | 4,631 |
| Credit loss provision to net charge-offs | 155.0000% | 2,475 |
| Earnings coverage of net charge-offs (x) | 11.3253% | 1,802 |
| Efficiency ratio | 72.7764% | 3,561 |
| Assets per employee ($millions) | 2.8817% | 6,419 |
| Cash dividends to net income (ytd only)* | 23.0185% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 5,903 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.4452% | 5,488 |
| Net loans and leases to deposits | 64.1657% | 5,897 |
| Net loans and leases to core deposits | 73.0772% | 5,395 |
| Total domestic deposits to total assets | 87.9679% | 1,977 |
| Equity capital to assets | 11.8262% | 2,266 |
| Core capital (leverage) ratio | 11.7769% | 1,777 |
| Tier 1 risk-based capital ratio | 15.4586% | 3,021 |
| Total risk-based capital ratio | 16.7135% | 2,987 |
| Memoranda: | ||
| Average total assets | $41,162,500 | 6,901 |
| Average earning assets | $38,164,250 | 6,875 |
| Average equity | $4,975,000 | 6,756 |
| Average total loans | $24,414,500 | 6,795 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 2,068 |
| Cost of funding earning assets | 0.7569% | 7,045 |
| Net interest margin | 4.8613% | 588 |
| Noninterest income to average assets | 1.0130% | 1,344 |
| Noninterest expense to average assets | 3.9877% | 1,064 |
| Loan and lease loss provision to assets | 0.2570% | 4,366 |
| Net operating income to assets | 1.2749% | 1,375 |
| Return on assets (ROA) | 1.2749% | 1,433 |
| Pretax return on assets | 1.2749% | 2,172 |
| Return on Equity (ROE) | 10.4680% | 1,939 |
| Retained earnings to average equity (ytd only) | 9.2508% | 1,030 |
| Net charge-offs to loans | -0.0659% | 7,493 |
| Credit loss provision to net charge-offs | -650.0000% | 6,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2471% | 3,774 |
| Assets per employee ($millions) | 2.8047% | 6,565 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 2,545 |
| Loan loss allowance to noncurrent loans | 154.6075% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 5,530 |
| Noncurrent loans to loans | 1.2008% | 4,959 |
| Net loans and leases to total assets | 56.9204% | 5,569 |
| Net loans and leases to deposits | 64.7601% | 5,938 |
| Net loans and leases to core deposits | 73.0247% | 5,550 |
| Total domestic deposits to total assets | 87.8943% | 2,056 |
| Equity capital to assets | 11.9774% | 2,111 |
| Core capital (leverage) ratio | 11.9834% | 1,645 |
| Tier 1 risk-based capital ratio | 15.5688% | 2,860 |
| Total risk-based capital ratio | 16.8201% | 2,832 |
| Memoranda: | ||
| Average total assets | $40,474,670 | 6,982 |
| Average earning assets | $37,521,000 | 6,948 |
| Average equity | $4,929,330 | 6,802 |
| Average total loans | $24,281,330 | 6,843 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0290% | 923 |
| Cost of funding earning assets | 0.8301% | 6,998 |
| Net interest margin | 5.1989% | 290 |
| Noninterest income to average assets | 1.0586% | 1,136 |
| Noninterest expense to average assets | 4.1233% | 879 |
| Loan and lease loss provision to assets | 0.3024% | 3,619 |
| Net operating income to assets | 1.4316% | 1,015 |
| Return on assets (ROA) | 1.4316% | 1,086 |
| Pretax return on assets | 1.4316% | 1,687 |
| Return on Equity (ROE) | 11.6525% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.4216% | 1,064 |
| Net charge-offs to loans | -0.1156% | 7,548 |
| Credit loss provision to net charge-offs | -428.5714% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3959% | 4,229 |
| Assets per employee ($millions) | 2.7709% | 6,710 |
| Cash dividends to net income (ytd only)* | 10.5634% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 2,769 |
| Loan loss allowance to noncurrent loans | 149.3056% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 5,338 |
| Noncurrent loans to loans | 1.1985% | 4,963 |
| Net loans and leases to total assets | 56.7813% | 5,642 |
| Net loans and leases to deposits | 64.5550% | 5,996 |
| Net loans and leases to core deposits | 73.1058% | 5,596 |
| Total domestic deposits to total assets | 87.9580% | 2,087 |
| Equity capital to assets | 11.8808% | 2,118 |
| Core capital (leverage) ratio | 12.2628% | 1,513 |
| Tier 1 risk-based capital ratio | 14.6480% | 3,291 |
| Total risk-based capital ratio | 15.9236% | 3,238 |
| Memoranda: | ||
| Average total assets | $39,676,500 | 7,098 |
| Average earning assets | $36,623,000 | 7,075 |
| Average equity | $4,874,500 | 6,886 |
| Average total loans | $24,222,000 | 6,930 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4861% | 687 |
| Cost of funding earning assets | 0.9935% | 7,219 |
| Net interest margin | 5.4927% | 187 |
| Noninterest income to average assets | 1.0240% | 1,493 |
| Noninterest expense to average assets | 4.3578% | 923 |
| Loan and lease loss provision to assets | 0.4609% | 4,065 |
| Net operating income to assets | 1.2440% | 1,143 |
| Return on assets (ROA) | 1.2440% | 1,199 |
| Pretax return on assets | 1.2440% | 1,841 |
| Return on Equity (ROE) | 10.0313% | 1,680 |
| Retained earnings to average equity (ytd only) | 5.4697% | 1,591 |
| Net charge-offs to loans | 0.2630% | 4,980 |
| Credit loss provision to net charge-offs | 283.8710% | 1,185 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,677 |
| Efficiency ratio | 71.8790% | 4,278 |
| Assets per employee ($millions) | 2.5193% | 7,179 |
| Cash dividends to net income (ytd only)* | 45.4737% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,243 |
| Loan loss allowance to noncurrent loans | 186.2559% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 4,739 |
| Noncurrent loans to loans | 0.8643% | 5,568 |
| Net loans and leases to total assets | 63.5644% | 4,688 |
| Net loans and leases to deposits | 72.9390% | 5,201 |
| Net loans and leases to core deposits | 100.3719% | 3,959 |
| Total domestic deposits to total assets | 87.1474% | 2,416 |
| Equity capital to assets | 12.7309% | 1,623 |
| Core capital (leverage) ratio | 12.6124% | 1,400 |
| Tier 1 risk-based capital ratio | 15.9226% | 2,557 |
| Total risk-based capital ratio | 17.2034% | 2,472 |
| Memoranda: | ||
| Average total assets | $38,184,000 | 7,165 |
| Average earning assets | $35,028,600 | 7,137 |
| Average equity | $4,735,200 | 7,048 |
| Average total loans | $23,578,000 | 6,998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5527% | 673 |
| Cost of funding earning assets | 1.0218% | 7,341 |
| Net interest margin | 5.5308% | 175 |
| Noninterest income to average assets | 1.0274% | 1,500 |
| Noninterest expense to average assets | 4.3848% | 833 |
| Loan and lease loss provision to assets | 0.2473% | 4,972 |
| Net operating income to assets | 1.4663% | 887 |
| Return on assets (ROA) | 1.4663% | 942 |
| Pretax return on assets | 1.4663% | 1,500 |
| Return on Equity (ROE) | 11.9018% | 1,381 |
| Retained earnings to average equity (ytd only) | 7.8592% | 1,174 |
| Net charge-offs to loans | 0.1712% | 5,024 |
| Credit loss provision to net charge-offs | 236.6667% | 1,847 |
| Earnings coverage of net charge-offs (x) | 16.3995% | 1,472 |
| Efficiency ratio | 71.9018% | 4,258 |
| Assets per employee ($millions) | 2.6013% | 7,045 |
| Cash dividends to net income (ytd only)* | 33.9664% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 4,101 |
| Loan loss allowance to noncurrent loans | 164.1026% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 4,547 |
| Noncurrent loans to loans | 0.8364% | 5,623 |
| Net loans and leases to total assets | 58.9303% | 5,749 |
| Net loans and leases to deposits | 67.4528% | 6,175 |
| Net loans and leases to core deposits | 90.2008% | 5,412 |
| Total domestic deposits to total assets | 87.3651% | 1,970 |
| Equity capital to assets | 12.3786% | 2,014 |
| Core capital (leverage) ratio | 12.3243% | 1,653 |
| Tier 1 risk-based capital ratio | 18.2505% | 1,922 |
| Total risk-based capital ratio | 19.4597% | 1,876 |
| Memoranda: | ||
| Average total assets | $38,282,500 | 7,225 |
| Average earning assets | $35,099,250 | 7,203 |
| Average equity | $4,716,250 | 7,104 |
| Average total loans | $23,369,000 | 7,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5270% | 778 |
| Cost of funding earning assets | 1.0629% | 7,447 |
| Net interest margin | 5.4641% | 187 |
| Noninterest income to average assets | 1.0306% | 1,497 |
| Noninterest expense to average assets | 4.2590% | 1,004 |
| Loan and lease loss provision to assets | 0.2208% | 4,826 |
| Net operating income to assets | 1.5511% | 751 |
| Return on assets (ROA) | 1.5511% | 810 |
| Pretax return on assets | 1.5511% | 1,325 |
| Return on Equity (ROE) | 12.6113% | 1,256 |
| Retained earnings to average equity (ytd only) | 9.5333% | 808 |
| Net charge-offs to loans | 0.0428% | 5,866 |
| Credit loss provision to net charge-offs | 840.0000% | 562 |
| Earnings coverage of net charge-offs (x) | 67.4000% | 545 |
| Efficiency ratio | 70.6190% | 4,650 |
| Assets per employee ($millions) | 2.7316% | 6,772 |
| Cash dividends to net income (ytd only)* | 24.4068% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 3,979 |
| Loan loss allowance to noncurrent loans | 810.2564% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 5,052 |
| Noncurrent loans to loans | 0.1667% | 7,109 |
| Net loans and leases to total assets | 60.3509% | 5,620 |
| Net loans and leases to deposits | 69.0977% | 6,083 |
| Net loans and leases to core deposits | 91.0597% | 5,440 |
| Total domestic deposits to total assets | 87.3415% | 2,074 |
| Equity capital to assets | 12.4859% | 1,930 |
| Core capital (leverage) ratio | 12.1362% | 1,778 |
| Tier 1 risk-based capital ratio | 17.3681% | 2,189 |
| Total risk-based capital ratio | 18.5174% | 2,157 |
| Memoranda: | ||
| Average total assets | $38,037,000 | 7,292 |
| Average earning assets | $34,809,330 | 7,278 |
| Average equity | $4,678,330 | 7,182 |
| Average total loans | $23,387,330 | 7,124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5289% | 819 |
| Cost of funding earning assets | 1.1150% | 7,494 |
| Net interest margin | 5.4139% | 196 |
| Noninterest income to average assets | 1.1072% | 1,210 |
| Noninterest expense to average assets | 4.2073% | 934 |
| Loan and lease loss provision to assets | 0.2214% | 4,237 |
| Net operating income to assets | 1.6450% | 728 |
| Return on assets (ROA) | 1.6450% | 798 |
| Pretax return on assets | 1.6450% | 1,303 |
| Return on Equity (ROE) | 13.4773% | 1,276 |
| Retained earnings to average equity (ytd only) | 13.4773% | 570 |
| Net charge-offs to loans | 0.0684% | 4,515 |
| Credit loss provision to net charge-offs | 525.0000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 789 |
| Efficiency ratio | 69.2708% | 4,721 |
| Assets per employee ($millions) | 2.7471% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 4,297 |
| Loan loss allowance to noncurrent loans | 1,138.4615% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 4,755 |
| Noncurrent loans to loans | 0.1113% | 7,213 |
| Net loans and leases to total assets | 59.9756% | 5,657 |
| Net loans and leases to deposits | 68.4898% | 6,132 |
| Net loans and leases to core deposits | 91.8123% | 5,363 |
| Total domestic deposits to total assets | 87.5686% | 1,941 |
| Equity capital to assets | 12.2416% | 2,113 |
| Core capital (leverage) ratio | 12.4788% | 1,695 |
| Tier 1 risk-based capital ratio | 16.8257% | 2,391 |
| Total risk-based capital ratio | 17.8836% | 2,396 |
| Memoranda: | ||
| Average total assets | $37,934,000 | 7,334 |
| Average earning assets | $34,799,000 | 7,314 |
| Average equity | $4,630,000 | 7,249 |
| Average total loans | $23,383,000 | 7,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7165% | 1,969 |
| Cost of funding earning assets | 1.4594% | 7,671 |
| Net interest margin | 5.2571% | 305 |
| Noninterest income to average assets | 0.9798% | 1,649 |
| Noninterest expense to average assets | 4.1502% | 1,203 |
| Loan and lease loss provision to assets | 0.1650% | 5,272 |
| Net operating income to assets | 1.5382% | 948 |
| Return on assets (ROA) | 1.5382% | 915 |
| Pretax return on assets | 1.5382% | 1,569 |
| Return on Equity (ROE) | 13.4979% | 1,215 |
| Retained earnings to average equity (ytd only) | 4.0093% | 2,638 |
| Net charge-offs to loans | 0.4812% | 2,433 |
| Credit loss provision to net charge-offs | 58.0357% | 6,253 |
| Earnings coverage of net charge-offs (x) | 5.9911% | 3,469 |
| Efficiency ratio | 70.9020% | 4,157 |
| Assets per employee ($millions) | 2.4939% | 7,210 |
| Cash dividends to net income (ytd only)* | 70.2970% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 4,600 |
| Loan loss allowance to noncurrent loans | 174.3750% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 4,424 |
| Noncurrent loans to loans | 0.6836% | 5,331 |
| Net loans and leases to total assets | 61.8167% | 5,647 |
| Net loans and leases to deposits | 70.4708% | 6,223 |
| Net loans and leases to core deposits | 94.1303% | 5,440 |
| Total domestic deposits to total assets | 87.7195% | 1,601 |
| Equity capital to assets | 12.1682% | 2,179 |
| Core capital (leverage) ratio | 11.5340% | 2,231 |
| Tier 1 risk-based capital ratio | 17.7771% | 2,092 |
| Total risk-based capital ratio | 18.8667% | 2,082 |
| Memoranda: | ||
| Average total assets | $39,396,000 | 7,242 |
| Average earning assets | $36,522,200 | 7,210 |
| Average equity | $4,489,600 | 7,336 |
| Average total loans | $23,276,400 | 7,124 |