Home > Bank of Commerce > Performance and Condition Ratios
Bank of Commerce, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 2,344 |
| Cost of funding earning assets | 0.1319% | 4,252 |
| Net interest margin | 3.5418% | 1,755 |
| Noninterest income to average assets | 0.4629% | 2,781 |
| Noninterest expense to average assets | 3.0636% | 871 |
| Loan and lease loss provision to assets | 0.0274% | 2,444 |
| Net operating income to assets | 0.6365% | 3,935 |
| Return on assets (ROA) | 0.6365% | 3,994 |
| Pretax return on assets | 0.6426% | 4,172 |
| Return on Equity (ROE) | 7.8801% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.3145% | 2,303 |
| Net charge-offs to loans | -0.0231% | 4,019 |
| Credit loss provision to net charge-offs | -300.0000% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0555% | 629 |
| Assets per employee ($millions) | 3.9374% | 4,485 |
| Cash dividends to net income (ytd only)* | 7.1770% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 2,060 |
| 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 | 39.7451% | 4,219 |
| Net loans and leases to deposits | 43.5654% | 4,326 |
| Net loans and leases to core deposits | 45.4843% | 4,338 |
| Total domestic deposits to total assets | 91.2309% | 304 |
| Equity capital to assets | 8.3697% | 4,295 |
| Core capital (leverage) ratio | 8.3184% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3234% | 664 |
| Memoranda: | ||
| Average total assets | $43,781,500 | 4,689 |
| Average earning assets | $40,430,250 | 4,679 |
| Average equity | $3,536,250 | 4,809 |
| Average total loans | $17,322,750 | 4,675 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 2,022 |
| Cost of funding earning assets | 0.1381% | 4,294 |
| Net interest margin | 3.6797% | 1,397 |
| Noninterest income to average assets | 0.4552% | 2,819 |
| Noninterest expense to average assets | 3.0952% | 851 |
| Loan and lease loss provision to assets | 0.0273% | 2,433 |
| Net operating income to assets | 0.7237% | 3,703 |
| Return on assets (ROA) | 0.7237% | 3,768 |
| Pretax return on assets | 0.7283% | 4,010 |
| Return on Equity (ROE) | 9.0684% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.2129% | 1,998 |
| Net charge-offs to loans | -0.0463% | 4,338 |
| Credit loss provision to net charge-offs | -150.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3783% | 761 |
| Assets per employee ($millions) | 4.0391% | 4,424 |
| Cash dividends to net income (ytd only)* | 9.4340% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,947 |
| 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 | 38.0036% | 4,382 |
| Net loans and leases to deposits | 41.4580% | 4,476 |
| Net loans and leases to core deposits | 43.2262% | 4,487 |
| Total domestic deposits to total assets | 91.6678% | 201 |
| Equity capital to assets | 8.0464% | 4,506 |
| Core capital (leverage) ratio | 7.9275% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8239% | 626 |
| Memoranda: | ||
| Average total assets | $43,938,333 | 4,720 |
| Average earning assets | $40,547,333 | 4,708 |
| Average equity | $3,506,667 | 4,846 |
| Average total loans | $17,278,000 | 4,711 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 2,281 |
| Cost of funding earning assets | 0.1584% | 4,251 |
| Net interest margin | 3.5735% | 1,651 |
| Noninterest income to average assets | 0.4669% | 2,772 |
| Noninterest expense to average assets | 2.9753% | 1,038 |
| Loan and lease loss provision to assets | 0.0275% | 2,425 |
| Net operating income to assets | 0.7599% | 3,546 |
| Return on assets (ROA) | 0.7599% | 3,619 |
| Pretax return on assets | 0.7690% | 3,867 |
| Return on Equity (ROE) | 9.5608% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.5608% | 1,781 |
| Net charge-offs to loans | -0.0922% | 4,610 |
| Credit loss provision to net charge-offs | -75.0000% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8835% | 904 |
| Assets per employee ($millions) | 3.8203% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 2,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 37.1259% | 4,450 |
| Net loans and leases to deposits | 40.2821% | 4,554 |
| Net loans and leases to core deposits | 41.9356% | 4,568 |
| Total domestic deposits to total assets | 92.1647% | 114 |
| Equity capital to assets | 7.6651% | 4,650 |
| Core capital (leverage) ratio | 7.9210% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7423% | 706 |
| Memoranda: | ||
| Average total assets | $43,692,500 | 4,744 |
| Average earning assets | $40,408,000 | 4,730 |
| Average equity | $3,472,500 | 4,872 |
| Average total loans | $17,354,000 | 4,740 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 2,602 |
| Cost of funding earning assets | 0.2691% | 4,297 |
| Net interest margin | 3.7730% | 1,580 |
| Noninterest income to average assets | 0.4633% | 2,802 |
| Noninterest expense to average assets | 3.3748% | 817 |
| Loan and lease loss provision to assets | 0.0299% | 4,025 |
| Net operating income to assets | 0.5156% | 3,996 |
| Return on assets (ROA) | 0.5156% | 4,081 |
| Pretax return on assets | 0.5156% | 4,246 |
| Return on Equity (ROE) | 6.0014% | 3,589 |
| Retained earnings to average equity (ytd only) | 0.6378% | 4,334 |
| Net charge-offs to loans | 0.0586% | 1,939 |
| Credit loss provision to net charge-offs | 120.0000% | 2,635 |
| Earnings coverage of net charge-offs (x) | 21.9000% | 1,875 |
| Efficiency ratio | 86.0864% | 527 |
| Assets per employee ($millions) | 3.4618% | 4,669 |
| Cash dividends to net income (ytd only)* | 89.3720% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,291 |
| Loan loss allowance to noncurrent loans | 51.4477% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 851 |
| Noncurrent loans to loans | 2.5731% | 388 |
| Net loans and leases to total assets | 41.4506% | 4,384 |
| Net loans and leases to deposits | 45.2358% | 4,490 |
| Net loans and leases to core deposits | 47.3049% | 4,506 |
| Total domestic deposits to total assets | 91.6324% | 113 |
| Equity capital to assets | 8.2593% | 4,597 |
| Core capital (leverage) ratio | 8.2500% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9945% | 770 |
| Memoranda: | ||
| Average total assets | $40,150,400 | 4,771 |
| Average earning assets | $36,787,600 | 4,757 |
| Average equity | $3,449,200 | 4,885 |
| Average total loans | $17,078,800 | 4,770 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,666 |
| Cost of funding earning assets | 0.2930% | 4,340 |
| Net interest margin | 3.8095% | 1,594 |
| Noninterest income to average assets | 0.4690% | 2,746 |
| Noninterest expense to average assets | 3.4637% | 739 |
| Loan and lease loss provision to assets | 0.0301% | 3,954 |
| Net operating income to assets | 0.4589% | 4,153 |
| Return on assets (ROA) | 0.4589% | 4,219 |
| Pretax return on assets | 0.4589% | 4,365 |
| Return on Equity (ROE) | 5.2888% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.5865% | 3,694 |
| Net charge-offs to loans | 0.0392% | 2,068 |
| Credit loss provision to net charge-offs | 180.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 1,613 |
| Efficiency ratio | 87.6271% | 431 |
| Assets per employee ($millions) | 3.4083% | 4,701 |
| Cash dividends to net income (ytd only)* | 51.0949% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,927 |
| Loan loss allowance to noncurrent loans | 4,660.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,436 |
| Noncurrent loans to loans | 0.0291% | 4,285 |
| Net loans and leases to total assets | 41.4352% | 4,517 |
| Net loans and leases to deposits | 45.4709% | 4,622 |
| Net loans and leases to core deposits | 47.0672% | 4,645 |
| Total domestic deposits to total assets | 91.1247% | 150 |
| Equity capital to assets | 8.4988% | 4,467 |
| Core capital (leverage) ratio | 8.3626% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9438% | 688 |
| Memoranda: | ||
| Average total assets | $39,802,750 | 4,800 |
| Average earning assets | $36,399,750 | 4,786 |
| Average equity | $3,453,750 | 4,911 |
| Average total loans | $16,986,000 | 4,801 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,663 |
| Cost of funding earning assets | 0.3336% | 4,345 |
| Net interest margin | 3.8979% | 1,574 |
| Noninterest income to average assets | 0.4666% | 2,732 |
| Noninterest expense to average assets | 3.5297% | 725 |
| Loan and lease loss provision to assets | 0.0304% | 3,878 |
| Net operating income to assets | 0.4615% | 4,108 |
| Return on assets (ROA) | 0.4615% | 4,171 |
| Pretax return on assets | 0.4615% | 4,313 |
| Return on Equity (ROE) | 5.2810% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.2498% | 3,287 |
| Net charge-offs to loans | 0.0355% | 2,030 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,375 |
| Efficiency ratio | 87.7680% | 460 |
| Assets per employee ($millions) | 2.9120% | 4,874 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,673 |
| Loan loss allowance to noncurrent loans | 3,314.2857% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,471 |
| Noncurrent loans to loans | 0.0415% | 4,316 |
| Net loans and leases to total assets | 40.8310% | 4,576 |
| Net loans and leases to deposits | 44.7678% | 4,685 |
| Net loans and leases to core deposits | 46.3432% | 4,706 |
| Total domestic deposits to total assets | 91.2063% | 114 |
| Equity capital to assets | 8.4993% | 4,478 |
| Core capital (leverage) ratio | 8.4827% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4995% | 627 |
| Memoranda: | ||
| Average total assets | $39,437,000 | 4,829 |
| Average earning assets | $35,968,333 | 4,821 |
| Average equity | $3,446,333 | 4,941 |
| Average total loans | $16,921,333 | 4,829 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 2,313 |
| Cost of funding earning assets | 0.3854% | 4,406 |
| Net interest margin | 4.1144% | 1,106 |
| Noninterest income to average assets | 0.4952% | 2,570 |
| Noninterest expense to average assets | 3.6315% | 782 |
| Loan and lease loss provision to assets | 0.0310% | 3,385 |
| Net operating income to assets | 0.5777% | 3,667 |
| Return on assets (ROA) | 0.5777% | 3,728 |
| Pretax return on assets | 0.5777% | 3,959 |
| Return on Equity (ROE) | 6.5173% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.5173% | 1,710 |
| Net charge-offs to loans | -0.0472% | 4,619 |
| Credit loss provision to net charge-offs | -150.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6448% | 724 |
| Assets per employee ($millions) | 2.8464% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,816 |
| Loan loss allowance to noncurrent loans | 3,342.8571% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,545 |
| Noncurrent loans to loans | 0.0409% | 4,392 |
| Net loans and leases to total assets | 42.3237% | 4,580 |
| Net loans and leases to deposits | 46.4603% | 4,709 |
| Net loans and leases to core deposits | 48.1363% | 4,727 |
| Total domestic deposits to total assets | 91.0966% | 100 |
| Equity capital to assets | 8.6951% | 4,741 |
| Core capital (leverage) ratio | 8.7617% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0293% | 864 |
| Memoranda: | ||
| Average total assets | $38,771,500 | 4,872 |
| Average earning assets | $35,290,500 | 4,862 |
| Average equity | $3,437,000 | 4,987 |
| Average total loans | $16,943,000 | 4,871 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 2,503 |
| Cost of funding earning assets | 0.4432% | 4,294 |
| Net interest margin | 4.1960% | 1,329 |
| Noninterest income to average assets | 0.5693% | 2,374 |
| Noninterest expense to average assets | 3.4134% | 1,088 |
| Loan and lease loss provision to assets | 0.0511% | 3,003 |
| Net operating income to assets | 0.9114% | 3,161 |
| Return on assets (ROA) | 0.9114% | 3,243 |
| Pretax return on assets | 0.9242% | 3,667 |
| Return on Equity (ROE) | 10.3646% | 2,135 |
| Retained earnings to average equity (ytd only) | 1.3645% | 4,256 |
| Net charge-offs to loans | 0.1588% | 1,269 |
| Credit loss provision to net charge-offs | 71.4286% | 2,895 |
| Earnings coverage of net charge-offs (x) | 13.6429% | 2,338 |
| Efficiency ratio | 77.7778% | 1,173 |
| Assets per employee ($millions) | 2.6924% | 4,945 |
| Cash dividends to net income (ytd only)* | 86.8347% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,650 |
| Loan loss allowance to noncurrent loans | 1,145.0000% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,365 |
| Noncurrent loans to loans | 0.1191% | 4,055 |
| Net loans and leases to total assets | 43.9259% | 4,604 |
| Net loans and leases to deposits | 48.3585% | 4,731 |
| Net loans and leases to core deposits | 50.2108% | 4,755 |
| Total domestic deposits to total assets | 90.8338% | 138 |
| Equity capital to assets | 9.0441% | 4,666 |
| Core capital (leverage) ratio | 8.9971% | 4,533 |
| Tier 1 risk-based capital ratio | 19.6303% | 1,386 |
| Total risk-based capital ratio | 20.8799% | 1,358 |
| Memoranda: | ||
| Average total assets | $39,168,600 | 4,906 |
| Average earning assets | $35,653,200 | 4,903 |
| Average equity | $3,444,400 | 5,042 |
| Average total loans | $17,631,000 | 4,915 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 2,537 |
| Cost of funding earning assets | 0.4516% | 4,320 |
| Net interest margin | 4.2051% | 1,370 |
| Noninterest income to average assets | 0.5497% | 2,464 |
| Noninterest expense to average assets | 3.3992% | 1,092 |
| Loan and lease loss provision to assets | 0.0472% | 2,954 |
| Net operating income to assets | 0.9240% | 3,262 |
| Return on assets (ROA) | 0.9240% | 3,331 |
| Pretax return on assets | 0.9341% | 3,781 |
| Return on Equity (ROE) | 10.5790% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.9460% | 2,400 |
| Net charge-offs to loans | 0.1868% | 924 |
| Credit loss provision to net charge-offs | 56.0000% | 2,740 |
| Earnings coverage of net charge-offs (x) | 11.6409% | 2,427 |
| Efficiency ratio | 77.5982% | 1,143 |
| Assets per employee ($millions) | 2.7274% | 4,998 |
| Cash dividends to net income (ytd only)* | 43.7972% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,053 |
| Loan loss allowance to noncurrent loans | 7,533.3333% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,726 |
| Noncurrent loans to loans | 0.0170% | 4,600 |
| Net loans and leases to total assets | 45.5793% | 4,629 |
| Net loans and leases to deposits | 50.4376% | 4,765 |
| Net loans and leases to core deposits | 52.3539% | 4,791 |
| Total domestic deposits to total assets | 90.3677% | 200 |
| Equity capital to assets | 9.2080% | 4,662 |
| Core capital (leverage) ratio | 9.0954% | 4,556 |
| Tier 1 risk-based capital ratio | 18.8900% | 1,586 |
| Total risk-based capital ratio | 20.1042% | 1,564 |
| Memoranda: | ||
| Average total assets | $39,537,500 | 4,969 |
| Average earning assets | $36,018,500 | 4,967 |
| Average equity | $3,453,250 | 5,115 |
| Average total loans | $17,842,250 | 4,981 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 2,579 |
| Cost of funding earning assets | 0.4384% | 4,362 |
| Net interest margin | 4.1924% | 1,386 |
| Noninterest income to average assets | 0.5352% | 2,472 |
| Noninterest expense to average assets | 3.3760% | 1,143 |
| Loan and lease loss provision to assets | 0.0400% | 3,013 |
| Net operating income to assets | 0.9453% | 3,111 |
| Return on assets (ROA) | 0.9453% | 3,179 |
| Pretax return on assets | 0.9453% | 3,726 |
| Return on Equity (ROE) | 11.0129% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.9341% | 1,840 |
| Net charge-offs to loans | 0.2791% | 606 |
| Credit loss provision to net charge-offs | 32.0000% | 2,589 |
| Earnings coverage of net charge-offs (x) | 7.8800% | 2,453 |
| Efficiency ratio | 77.4083% | 1,226 |
| Assets per employee ($millions) | 3.0079% | 4,903 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,602 |
| Loan loss allowance to noncurrent loans | 7,333.3333% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,765 |
| Noncurrent loans to loans | 0.0162% | 4,643 |
| Net loans and leases to total assets | 46.8890% | 4,610 |
| Net loans and leases to deposits | 51.6464% | 4,752 |
| Net loans and leases to core deposits | 53.5500% | 4,794 |
| Total domestic deposits to total assets | 90.7884% | 130 |
| Equity capital to assets | 8.9021% | 4,852 |
| Core capital (leverage) ratio | 8.6433% | 4,882 |
| Tier 1 risk-based capital ratio | 18.6319% | 1,637 |
| Total risk-based capital ratio | 19.8095% | 1,617 |
| Memoranda: | ||
| Average total assets | $39,988,670 | 5,005 |
| Average earning assets | $36,494,670 | 5,000 |
| Average equity | $3,432,330 | 5,156 |
| Average total loans | $17,913,000 | 5,025 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 2,892 |
| Cost of funding earning assets | 0.4243% | 4,382 |
| Net interest margin | 4.0691% | 1,643 |
| Noninterest income to average assets | 0.5243% | 2,416 |
| Noninterest expense to average assets | 3.2846% | 1,321 |
| Loan and lease loss provision to assets | 0.0297% | 3,024 |
| Net operating income to assets | 0.9102% | 3,198 |
| Return on assets (ROA) | 0.9102% | 3,241 |
| Pretax return on assets | 0.9102% | 3,730 |
| Return on Equity (ROE) | 10.7981% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.7981% | 847 |
| Net charge-offs to loans | 0.0227% | 1,989 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 687 |
| Efficiency ratio | 77.7518% | 1,299 |
| Assets per employee ($millions) | 3.2287% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,960 |
| Loan loss allowance to noncurrent loans | 351.4706% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 4,003 |
| Noncurrent loans to loans | 0.3781% | 3,232 |
| Net loans and leases to total assets | 42.2796% | 4,817 |
| Net loans and leases to deposits | 46.1775% | 4,925 |
| Net loans and leases to core deposits | 47.7441% | 4,940 |
| Total domestic deposits to total assets | 91.5589% | 95 |
| Equity capital to assets | 8.2291% | 5,117 |
| Core capital (leverage) ratio | 8.5609% | 4,972 |
| Tier 1 risk-based capital ratio | 18.0970% | 1,771 |
| Total risk-based capital ratio | 19.3493% | 1,727 |
| Memoranda: | ||
| Average total assets | $40,431,500 | 5,055 |
| Average earning assets | $36,765,000 | 5,045 |
| Average equity | $3,408,000 | 5,206 |
| Average total loans | $17,592,000 | 5,093 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 2,612 |
| Cost of funding earning assets | 0.3071% | 4,539 |
| Net interest margin | 4.1413% | 1,556 |
| Noninterest income to average assets | 0.6038% | 2,270 |
| Noninterest expense to average assets | 3.4680% | 1,040 |
| Loan and lease loss provision to assets | 0.0155% | 3,840 |
| Net operating income to assets | 0.9134% | 3,393 |
| Return on assets (ROA) | 0.9134% | 3,381 |
| Pretax return on assets | 0.9134% | 3,857 |
| Return on Equity (ROE) | 10.4790% | 2,303 |
| Retained earnings to average equity (ytd only) | 1.3025% | 4,615 |
| Net charge-offs to loans | 0.0632% | 2,218 |
| Credit loss provision to net charge-offs | 54.5455% | 3,148 |
| Earnings coverage of net charge-offs (x) | 32.7273% | 1,513 |
| Efficiency ratio | 78.8732% | 1,050 |
| Assets per employee ($millions) | 2.9915% | 4,997 |
| Cash dividends to net income (ytd only)* | 87.5706% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,720 |
| Loan loss allowance to noncurrent loans | 348.5294% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,932 |
| Noncurrent loans to loans | 0.3954% | 3,114 |
| Net loans and leases to total assets | 43.6153% | 4,829 |
| Net loans and leases to deposits | 47.8113% | 4,936 |
| Net loans and leases to core deposits | 49.5733% | 4,951 |
| Total domestic deposits to total assets | 91.2240% | 161 |
| Equity capital to assets | 8.6449% | 4,849 |
| Core capital (leverage) ratio | 8.6438% | 4,921 |
| Tier 1 risk-based capital ratio | 18.4715% | 1,624 |
| Total risk-based capital ratio | 19.7242% | 1,579 |
| Memoranda: | ||
| Average total assets | $38,754,600 | 5,116 |
| Average earning assets | $35,496,000 | 5,102 |
| Average equity | $3,378,200 | 5,248 |
| Average total loans | $17,394,200 | 5,140 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,723 |
| Cost of funding earning assets | 0.3002% | 4,515 |
| Net interest margin | 4.0718% | 1,715 |
| Noninterest income to average assets | 0.6164% | 2,231 |
| Noninterest expense to average assets | 3.5088% | 972 |
| Loan and lease loss provision to assets | 0.0207% | 3,597 |
| Net operating income to assets | 0.8230% | 3,833 |
| Return on assets (ROA) | 0.8230% | 3,843 |
| Pretax return on assets | 0.8230% | 4,238 |
| Return on Equity (ROE) | 9.4215% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.6910% | 3,400 |
| Net charge-offs to loans | 0.0764% | 1,762 |
| Credit loss provision to net charge-offs | 60.0000% | 2,746 |
| Earnings coverage of net charge-offs (x) | 24.5056% | 1,811 |
| Efficiency ratio | 80.6171% | 891 |
| Assets per employee ($millions) | 3.0332% | 5,016 |
| Cash dividends to net income (ytd only)* | 50.2103% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,819 |
| Loan loss allowance to noncurrent loans | 250.5263% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,750 |
| Noncurrent loans to loans | 0.5469% | 2,740 |
| Net loans and leases to total assets | 43.4469% | 4,902 |
| Net loans and leases to deposits | 47.8067% | 5,013 |
| Net loans and leases to core deposits | 49.5488% | 5,031 |
| Total domestic deposits to total assets | 90.8805% | 248 |
| Equity capital to assets | 8.7163% | 4,786 |
| Core capital (leverage) ratio | 8.8457% | 4,851 |
| Tier 1 risk-based capital ratio | 18.8670% | 1,567 |
| Total risk-based capital ratio | 20.1186% | 1,540 |
| Memoranda: | ||
| Average total assets | $38,720,750 | 5,182 |
| Average earning assets | $35,527,750 | 5,167 |
| Average equity | $3,382,250 | 5,316 |
| Average total loans | $17,443,000 | 5,197 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,414 |
| Cost of funding earning assets | 0.2888% | 4,509 |
| Net interest margin | 4.1108% | 1,521 |
| Noninterest income to average assets | 0.5457% | 2,594 |
| Noninterest expense to average assets | 3.5184% | 974 |
| Loan and lease loss provision to assets | 0.0312% | 3,285 |
| Net operating income to assets | 0.7692% | 3,961 |
| Return on assets (ROA) | 0.7692% | 3,967 |
| Pretax return on assets | 0.7692% | 4,340 |
| Return on Equity (ROE) | 8.7990% | 3,113 |
| Retained earnings to average equity (ytd only) | 4.6373% | 3,268 |
| Net charge-offs to loans | 0.0572% | 1,788 |
| Credit loss provision to net charge-offs | 120.0000% | 1,797 |
| Earnings coverage of net charge-offs (x) | 30.8000% | 1,476 |
| Efficiency ratio | 81.4681% | 878 |
| Assets per employee ($millions) | 2.9623% | 5,123 |
| Cash dividends to net income (ytd only)* | 47.2973% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 1,682 |
| Loan loss allowance to noncurrent loans | 296.3415% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,936 |
| Noncurrent loans to loans | 0.4789% | 3,002 |
| Net loans and leases to total assets | 43.8302% | 4,914 |
| Net loans and leases to deposits | 48.2340% | 5,021 |
| Net loans and leases to core deposits | 50.0356% | 5,044 |
| Total domestic deposits to total assets | 90.8699% | 284 |
| Equity capital to assets | 8.8185% | 4,705 |
| Core capital (leverage) ratio | 8.7213% | 4,946 |
| Tier 1 risk-based capital ratio | 19.1864% | 1,505 |
| Total risk-based capital ratio | 20.4407% | 1,462 |
| Memoranda: | ||
| Average total assets | $38,483,670 | 5,246 |
| Average earning assets | $35,321,330 | 5,228 |
| Average equity | $3,364,000 | 5,378 |
| Average total loans | $17,467,330 | 5,254 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,455 |
| Cost of funding earning assets | 0.2834% | 4,475 |
| Net interest margin | 4.0350% | 1,610 |
| Noninterest income to average assets | 0.5303% | 2,631 |
| Noninterest expense to average assets | 3.5768% | 892 |
| Loan and lease loss provision to assets | 0.0312% | 3,096 |
| Net operating income to assets | 0.6239% | 4,363 |
| Return on assets (ROA) | 0.6239% | 4,374 |
| Pretax return on assets | 0.6239% | 4,635 |
| Return on Equity (ROE) | 7.1685% | 3,714 |
| Retained earnings to average equity (ytd only) | 7.1685% | 2,199 |
| Net charge-offs to loans | 0.0907% | 1,256 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,654 |
| Efficiency ratio | 84.5209% | 762 |
| Assets per employee ($millions) | 2.7976% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,821 |
| Loan loss allowance to noncurrent loans | 267.7778% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,951 |
| Noncurrent loans to loans | 0.5248% | 2,947 |
| Net loans and leases to total assets | 43.1664% | 4,936 |
| Net loans and leases to deposits | 47.3718% | 5,062 |
| Net loans and leases to core deposits | 49.1040% | 5,066 |
| Total domestic deposits to total assets | 91.1226% | 283 |
| Equity capital to assets | 8.6246% | 4,882 |
| Core capital (leverage) ratio | 8.6598% | 5,011 |
| Tier 1 risk-based capital ratio | 18.7781% | 1,610 |
| Total risk-based capital ratio | 20.0289% | 1,571 |
| Memoranda: | ||
| Average total assets | $38,470,500 | 5,298 |
| Average earning assets | $35,291,000 | 5,287 |
| Average equity | $3,348,000 | 5,434 |
| Average total loans | $17,640,000 | 5,306 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 1,619 |
| Cost of funding earning assets | 0.2308% | 4,722 |
| Net interest margin | 4.2985% | 963 |
| Noninterest income to average assets | 0.5787% | 2,563 |
| Noninterest expense to average assets | 3.4671% | 1,090 |
| Loan and lease loss provision to assets | 0.0310% | 3,657 |
| Net operating income to assets | 1.0257% | 2,135 |
| Return on assets (ROA) | 1.0257% | 2,166 |
| Pretax return on assets | 1.0257% | 3,475 |
| Return on Equity (ROE) | 11.8877% | 1,239 |
| Retained earnings to average equity (ytd only) | 1.8565% | 4,203 |
| Net charge-offs to loans | 0.1008% | 2,063 |
| Credit loss provision to net charge-offs | 63.1579% | 3,184 |
| Earnings coverage of net charge-offs (x) | 21.5263% | 1,899 |
| Efficiency ratio | 76.6419% | 1,528 |
| Assets per employee ($millions) | 2.5183% | 5,452 |
| Cash dividends to net income (ytd only)* | 84.3829% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,054 |
| Loan loss allowance to noncurrent loans | 1,613.3333% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,936 |
| Noncurrent loans to loans | 0.0827% | 4,630 |
| Net loans and leases to total assets | 47.3606% | 4,808 |
| Net loans and leases to deposits | 52.0088% | 4,986 |
| Net loans and leases to core deposits | 53.9831% | 5,003 |
| Total domestic deposits to total assets | 91.0626% | 225 |
| Equity capital to assets | 8.7838% | 4,905 |
| Core capital (leverage) ratio | 8.7971% | 4,866 |
| Tier 1 risk-based capital ratio | 18.0611% | 1,787 |
| Total risk-based capital ratio | 19.3130% | 1,735 |
| Memoranda: | ||
| Average total assets | $38,706,200 | 5,347 |
| Average earning assets | $35,524,000 | 5,338 |
| Average equity | $3,339,600 | 5,496 |
| Average total loans | $18,841,200 | 5,338 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 1,635 |
| Cost of funding earning assets | 0.2198% | 4,814 |
| Net interest margin | 4.2812% | 968 |
| Noninterest income to average assets | 0.5855% | 2,561 |
| Noninterest expense to average assets | 3.5028% | 993 |
| Loan and lease loss provision to assets | 0.0308% | 3,502 |
| Net operating income to assets | 0.9861% | 2,613 |
| Return on assets (ROA) | 0.9861% | 2,674 |
| Pretax return on assets | 0.9861% | 3,741 |
| Return on Equity (ROE) | 11.4795% | 1,498 |
| Retained earnings to average equity (ytd only) | 6.6963% | 1,844 |
| Net charge-offs to loans | 0.0771% | 2,040 |
| Credit loss provision to net charge-offs | 81.8182% | 2,556 |
| Earnings coverage of net charge-offs (x) | 26.9932% | 1,657 |
| Efficiency ratio | 77.5000% | 1,399 |
| Assets per employee ($millions) | 2.5440% | 5,503 |
| Cash dividends to net income (ytd only)* | 41.6678% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,425 |
| Loan loss allowance to noncurrent loans | 1,543.7500% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,026 |
| Noncurrent loans to loans | 0.0833% | 4,738 |
| Net loans and leases to total assets | 49.6803% | 4,722 |
| Net loans and leases to deposits | 54.8347% | 4,926 |
| Net loans and leases to core deposits | 56.9053% | 4,951 |
| Total domestic deposits to total assets | 90.6001% | 294 |
| Equity capital to assets | 8.9727% | 4,937 |
| Core capital (leverage) ratio | 8.9533% | 4,795 |
| Tier 1 risk-based capital ratio | 17.7842% | 1,914 |
| Total risk-based capital ratio | 19.0360% | 1,865 |
| Memoranda: | ||
| Average total assets | $38,939,250 | 5,400 |
| Average earning assets | $35,783,250 | 5,395 |
| Average equity | $3,345,000 | 5,560 |
| Average total loans | $19,018,500 | 5,395 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,743 |
| Cost of funding earning assets | 0.2109% | 4,884 |
| Net interest margin | 4.2124% | 1,055 |
| Noninterest income to average assets | 0.5357% | 2,789 |
| Noninterest expense to average assets | 3.4746% | 1,047 |
| Loan and lease loss provision to assets | 0.0306% | 3,390 |
| Net operating income to assets | 0.9031% | 2,897 |
| Return on assets (ROA) | 0.9031% | 2,948 |
| Pretax return on assets | 0.9031% | 3,923 |
| Return on Equity (ROE) | 10.6669% | 1,774 |
| Retained earnings to average equity (ytd only) | 6.4484% | 1,875 |
| Net charge-offs to loans | 0.0528% | 2,171 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 36.6000% | 1,327 |
| Efficiency ratio | 78.8194% | 1,354 |
| Assets per employee ($millions) | 2.5741% | 5,523 |
| Cash dividends to net income (ytd only)* | 39.5480% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,311 |
| Loan loss allowance to noncurrent loans | 384.6154% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,512 |
| Noncurrent loans to loans | 0.3434% | 3,813 |
| Net loans and leases to total assets | 48.3800% | 4,798 |
| Net loans and leases to deposits | 53.1754% | 5,007 |
| Net loans and leases to core deposits | 55.1504% | 5,040 |
| Total domestic deposits to total assets | 90.9818% | 227 |
| Equity capital to assets | 8.7100% | 5,133 |
| Core capital (leverage) ratio | 8.6715% | 5,067 |
| Tier 1 risk-based capital ratio | 17.3494% | 2,055 |
| Total risk-based capital ratio | 18.5978% | 2,009 |
| Memoranda: | ||
| Average total assets | $39,199,000 | 5,439 |
| Average earning assets | $36,036,670 | 5,430 |
| Average equity | $3,318,670 | 5,608 |
| Average total loans | $18,956,330 | 5,442 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 1,870 |
| Cost of funding earning assets | 0.1985% | 4,994 |
| Net interest margin | 4.1354% | 1,128 |
| Noninterest income to average assets | 0.5165% | 2,859 |
| Noninterest expense to average assets | 3.4639% | 1,094 |
| Loan and lease loss provision to assets | 0.0304% | 3,170 |
| Net operating income to assets | 0.8204% | 3,123 |
| Return on assets (ROA) | 0.8204% | 3,180 |
| Pretax return on assets | 0.8204% | 4,035 |
| Return on Equity (ROE) | 9.8286% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.8286% | 847 |
| Net charge-offs to loans | 0.0211% | 2,358 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 631 |
| Efficiency ratio | 80.2817% | 1,351 |
| Assets per employee ($millions) | 2.6840% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,477 |
| Loan loss allowance to noncurrent loans | 204.0650% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 3,969 |
| Noncurrent loans to loans | 0.6431% | 2,895 |
| Net loans and leases to total assets | 46.8828% | 4,898 |
| Net loans and leases to deposits | 51.2295% | 5,059 |
| Net loans and leases to core deposits | 53.0405% | 5,104 |
| Total domestic deposits to total assets | 91.5152% | 173 |
| Equity capital to assets | 8.2886% | 5,360 |
| Core capital (leverage) ratio | 8.3657% | 5,330 |
| Tier 1 risk-based capital ratio | 17.5125% | 2,029 |
| Total risk-based capital ratio | 18.7615% | 1,983 |
| Memoranda: | ||
| Average total assets | $39,493,000 | 5,504 |
| Average earning assets | $36,272,000 | 5,490 |
| Average equity | $3,296,500 | 5,670 |
| Average total loans | $18,969,500 | 5,498 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,471 |
| Cost of funding earning assets | 0.2108% | 4,918 |
| Net interest margin | 4.3109% | 915 |
| Noninterest income to average assets | 0.6115% | 2,601 |
| Noninterest expense to average assets | 3.5305% | 1,112 |
| Loan and lease loss provision to assets | 0.0131% | 4,116 |
| Net operating income to assets | 1.0218% | 2,253 |
| Return on assets (ROA) | 1.0218% | 2,361 |
| Pretax return on assets | 1.0218% | 3,400 |
| Return on Equity (ROE) | 12.0152% | 1,240 |
| Retained earnings to average equity (ytd only) | 2.9500% | 3,795 |
| Net charge-offs to loans | 0.0881% | 2,441 |
| Credit loss provision to net charge-offs | 29.4118% | 3,597 |
| Earnings coverage of net charge-offs (x) | 23.2941% | 1,692 |
| Efficiency ratio | 77.3326% | 1,798 |
| Assets per employee ($millions) | 2.5817% | 5,624 |
| Cash dividends to net income (ytd only)* | 75.4476% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 2,410 |
| Loan loss allowance to noncurrent loans | 202.4390% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 4,006 |
| Noncurrent loans to loans | 0.6538% | 2,895 |
| Net loans and leases to total assets | 47.9368% | 4,903 |
| Net loans and leases to deposits | 52.4022% | 5,095 |
| Net loans and leases to core deposits | 54.3299% | 5,135 |
| Total domestic deposits to total assets | 91.4786% | 163 |
| Equity capital to assets | 8.4078% | 5,340 |
| Core capital (leverage) ratio | 8.4069% | 5,362 |
| Tier 1 risk-based capital ratio | 17.0409% | 2,144 |
| Total risk-based capital ratio | 18.2917% | 2,095 |
| Memoranda: | ||
| Average total assets | $38,266,200 | 5,571 |
| Average earning assets | $35,097,200 | 5,563 |
| Average equity | $3,254,200 | 5,731 |
| Average total loans | $19,302,000 | 5,541 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 1,395 |
| Cost of funding earning assets | 0.2095% | 4,980 |
| Net interest margin | 4.3456% | 851 |
| Noninterest income to average assets | 0.5941% | 2,689 |
| Noninterest expense to average assets | 3.5612% | 1,054 |
| Loan and lease loss provision to assets | 0.0070% | 4,087 |
| Net operating income to assets | 1.0135% | 2,371 |
| Return on assets (ROA) | 1.0135% | 2,508 |
| Pretax return on assets | 1.0135% | 3,585 |
| Return on Equity (ROE) | 11.8835% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.9661% | 1,644 |
| Net charge-offs to loans | 0.0686% | 2,344 |
| Credit loss provision to net charge-offs | 20.0000% | 3,301 |
| Earnings coverage of net charge-offs (x) | 29.2063% | 1,516 |
| Efficiency ratio | 77.7269% | 1,726 |
| Assets per employee ($millions) | 2.7589% | 5,573 |
| Cash dividends to net income (ytd only)* | 41.3800% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,688 |
| Loan loss allowance to noncurrent loans | 1,405.5556% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,281 |
| Noncurrent loans to loans | 0.0925% | 4,974 |
| Net loans and leases to total assets | 49.7152% | 4,836 |
| Net loans and leases to deposits | 54.6489% | 5,075 |
| Net loans and leases to core deposits | 56.6765% | 5,114 |
| Total domestic deposits to total assets | 90.9719% | 200 |
| Equity capital to assets | 8.6216% | 5,454 |
| Core capital (leverage) ratio | 8.6619% | 5,198 |
| Tier 1 risk-based capital ratio | 16.7632% | 2,317 |
| Total risk-based capital ratio | 18.0116% | 2,264 |
| Memoranda: | ||
| Average total assets | $38,151,250 | 5,628 |
| Average earning assets | $35,007,500 | 5,624 |
| Average equity | $3,253,750 | 5,791 |
| Average total loans | $19,424,250 | 5,591 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,351 |
| Cost of funding earning assets | 0.2120% | 5,020 |
| Net interest margin | 4.3484% | 855 |
| Noninterest income to average assets | 0.5685% | 2,803 |
| Noninterest expense to average assets | 3.5848% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9791% | 2,473 |
| Return on assets (ROA) | 0.9791% | 2,623 |
| Pretax return on assets | 0.9791% | 3,664 |
| Return on Equity (ROE) | 11.5230% | 1,472 |
| Retained earnings to average equity (ytd only) | 7.1864% | 1,516 |
| Net charge-offs to loans | 0.0927% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,715 |
| Efficiency ratio | 78.5467% | 1,704 |
| Assets per employee ($millions) | 2.7317% | 5,661 |
| Cash dividends to net income (ytd only)* | 37.6344% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,923 |
| Loan loss allowance to noncurrent loans | 1,326.3158% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,360 |
| Noncurrent loans to loans | 0.0961% | 5,066 |
| Net loans and leases to total assets | 51.0172% | 4,765 |
| Net loans and leases to deposits | 55.9776% | 5,014 |
| Net loans and leases to core deposits | 58.0719% | 5,067 |
| Total domestic deposits to total assets | 91.1385% | 167 |
| Equity capital to assets | 8.5660% | 5,560 |
| Core capital (leverage) ratio | 8.4981% | 5,369 |
| Tier 1 risk-based capital ratio | 16.4880% | 2,435 |
| Total risk-based capital ratio | 17.7362% | 2,380 |
| Memoranda: | ||
| Average total assets | $37,993,670 | 5,701 |
| Average earning assets | $34,909,000 | 5,694 |
| Average equity | $3,228,330 | 5,864 |
| Average total loans | $19,414,000 | 5,653 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 1,372 |
| Cost of funding earning assets | 0.2189% | 5,012 |
| Net interest margin | 4.3329% | 863 |
| Noninterest income to average assets | 0.5598% | 2,745 |
| Noninterest expense to average assets | 3.5914% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9401% | 2,561 |
| Return on assets (ROA) | 0.9401% | 2,672 |
| Pretax return on assets | 0.9401% | 3,693 |
| Return on Equity (ROE) | 11.1094% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.1094% | 632 |
| Net charge-offs to loans | 0.2287% | 892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,087 |
| Efficiency ratio | 79.2541% | 1,706 |
| Assets per employee ($millions) | 2.7782% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,980 |
| Loan loss allowance to noncurrent loans | 581.3953% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,653 |
| Noncurrent loans to loans | 0.2212% | 4,637 |
| Net loans and leases to total assets | 49.3405% | 4,856 |
| Net loans and leases to deposits | 53.9482% | 5,103 |
| Net loans and leases to core deposits | 55.9244% | 5,133 |
| Total domestic deposits to total assets | 91.4591% | 170 |
| Equity capital to assets | 8.3533% | 5,658 |
| Core capital (leverage) ratio | 8.4223% | 5,461 |
| Tier 1 risk-based capital ratio | 16.4857% | 2,481 |
| Total risk-based capital ratio | 17.7339% | 2,435 |
| Memoranda: | ||
| Average total assets | $37,868,500 | 5,762 |
| Average earning assets | $34,711,500 | 5,750 |
| Average equity | $3,204,500 | 5,922 |
| Average total loans | $19,239,500 | 5,706 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 1,444 |
| Cost of funding earning assets | 0.2177% | 5,114 |
| Net interest margin | 4.3370% | 892 |
| Noninterest income to average assets | 0.6880% | 2,258 |
| Noninterest expense to average assets | 3.7570% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8922% | 2,916 |
| Return on assets (ROA) | 0.8922% | 2,997 |
| Pretax return on assets | 0.8922% | 3,872 |
| Return on Equity (ROE) | 10.5043% | 1,802 |
| Retained earnings to average equity (ytd only) | 1.7085% | 4,753 |
| Net charge-offs to loans | 0.0211% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 680 |
| Efficiency ratio | 80.8092% | 1,566 |
| Assets per employee ($millions) | 2.6316% | 5,826 |
| Cash dividends to net income (ytd only)* | 83.7349% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,552 |
| Loan loss allowance to noncurrent loans | 246.2264% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 3,928 |
| Noncurrent loans to loans | 0.5568% | 3,501 |
| Net loans and leases to total assets | 50.9663% | 4,779 |
| Net loans and leases to deposits | 55.8175% | 5,056 |
| Net loans and leases to core deposits | 57.9841% | 5,101 |
| Total domestic deposits to total assets | 91.3088% | 209 |
| Equity capital to assets | 8.5772% | 5,498 |
| Core capital (leverage) ratio | 8.3206% | 5,588 |
| Tier 1 risk-based capital ratio | 16.7046% | 2,390 |
| Total risk-based capital ratio | 17.9574% | 2,339 |
| Memoranda: | ||
| Average total assets | $37,210,200 | 5,817 |
| Average earning assets | $33,986,800 | 5,811 |
| Average equity | $3,160,600 | 5,977 |
| Average total loans | $18,945,400 | 5,763 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 1,563 |
| Cost of funding earning assets | 0.2191% | 5,195 |
| Net interest margin | 4.2919% | 973 |
| Noninterest income to average assets | 0.7149% | 2,169 |
| Noninterest expense to average assets | 3.8174% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8185% | 3,342 |
| Return on assets (ROA) | 0.8185% | 3,428 |
| Pretax return on assets | 0.8185% | 4,279 |
| Return on Equity (ROE) | 9.6600% | 2,237 |
| Retained earnings to average equity (ytd only) | 4.5980% | 3,199 |
| Net charge-offs to loans | 0.0423% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 38.1663% | 1,287 |
| Efficiency ratio | 82.3439% | 1,349 |
| Assets per employee ($millions) | 2.5315% | 5,945 |
| Cash dividends to net income (ytd only)* | 52.4023% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,789 |
| Loan loss allowance to noncurrent loans | 177.3973% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 3,503 |
| Noncurrent loans to loans | 0.7664% | 3,050 |
| Net loans and leases to total assets | 49.4891% | 4,968 |
| Net loans and leases to deposits | 54.3137% | 5,230 |
| Net loans and leases to core deposits | 56.3597% | 5,289 |
| Total domestic deposits to total assets | 91.1171% | 221 |
| Equity capital to assets | 8.4668% | 5,726 |
| Core capital (leverage) ratio | 8.3526% | 5,673 |
| Tier 1 risk-based capital ratio | 16.8175% | 2,433 |
| Total risk-based capital ratio | 18.0677% | 2,394 |
| Memoranda: | ||
| Average total assets | $37,302,250 | 5,895 |
| Average earning assets | $34,078,750 | 5,889 |
| Average equity | $3,160,750 | 6,057 |
| Average total loans | $18,922,250 | 5,834 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,584 |
| Cost of funding earning assets | 0.2183% | 5,273 |
| Net interest margin | 4.2664% | 981 |
| Noninterest income to average assets | 0.6257% | 2,601 |
| Noninterest expense to average assets | 3.8620% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6634% | 4,064 |
| Return on assets (ROA) | 0.6634% | 4,167 |
| Pretax return on assets | 0.6634% | 4,780 |
| Return on Equity (ROE) | 7.8277% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.3729% | 3,888 |
| Net charge-offs to loans | 0.0847% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,979 |
| Efficiency ratio | 85.3397% | 1,113 |
| Assets per employee ($millions) | 2.5298% | 6,014 |
| Cash dividends to net income (ytd only)* | 56.9106% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,892 |
| Loan loss allowance to noncurrent loans | 106.6390% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 2,393 |
| Noncurrent loans to loans | 1.2851% | 2,104 |
| Net loans and leases to total assets | 48.7417% | 5,034 |
| Net loans and leases to deposits | 53.3379% | 5,294 |
| Net loans and leases to core deposits | 55.3424% | 5,351 |
| Total domestic deposits to total assets | 91.3827% | 215 |
| Equity capital to assets | 8.3248% | 5,816 |
| Core capital (leverage) ratio | 8.2133% | 5,778 |
| Tier 1 risk-based capital ratio | 15.7595% | 2,973 |
| Total risk-based capital ratio | 17.0117% | 2,926 |
| Memoranda: | ||
| Average total assets | $37,079,000 | 5,968 |
| Average earning assets | $33,893,000 | 5,958 |
| Average equity | $3,142,670 | 6,122 |
| Average total loans | $18,879,330 | 5,892 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,407 |
| Cost of funding earning assets | 0.2152% | 5,364 |
| Net interest margin | 4.3044% | 868 |
| Noninterest income to average assets | 0.6004% | 2,652 |
| Noninterest expense to average assets | 3.9078% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6222% | 4,187 |
| Return on assets (ROA) | 0.6222% | 4,283 |
| Pretax return on assets | 0.6222% | 4,852 |
| Return on Equity (ROE) | 7.2739% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.2739% | 1,872 |
| Net charge-offs to loans | 0.0211% | 2,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 769 |
| Efficiency ratio | 86.2651% | 1,159 |
| Assets per employee ($millions) | 2.5248% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,912 |
| Loan loss allowance to noncurrent loans | 141.1765% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 2,897 |
| Noncurrent loans to loans | 0.9924% | 2,784 |
| Net loans and leases to total assets | 49.0574% | 4,934 |
| Net loans and leases to deposits | 53.6671% | 5,219 |
| Net loans and leases to core deposits | 55.6874% | 5,273 |
| Total domestic deposits to total assets | 91.4105% | 250 |
| Equity capital to assets | 8.3518% | 5,837 |
| Core capital (leverage) ratio | 8.5096% | 5,508 |
| Tier 1 risk-based capital ratio | 15.8554% | 2,988 |
| Total risk-based capital ratio | 17.1086% | 2,926 |
| Memoranda: | ||
| Average total assets | $36,645,000 | 6,036 |
| Average earning assets | $33,454,000 | 6,027 |
| Average equity | $3,134,500 | 6,183 |
| Average total loans | $18,942,500 | 5,942 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 1,014 |
| Cost of funding earning assets | 0.2305% | 5,515 |
| Net interest margin | 4.6199% | 598 |
| Noninterest income to average assets | 0.6633% | 2,487 |
| Noninterest expense to average assets | 3.8405% | 929 |
| Loan and lease loss provision to assets | -0.0697% | 6,088 |
| Net operating income to assets | 1.0814% | 2,049 |
| Return on assets (ROA) | 1.0814% | 2,101 |
| Pretax return on assets | 1.0814% | 3,160 |
| Return on Equity (ROE) | 12.3962% | 1,297 |
| Retained earnings to average equity (ytd only) | 1.0543% | 5,298 |
| Net charge-offs to loans | -0.0833% | 6,074 |
| Credit loss provision to net charge-offs | 156.2500% | 1,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1499% | 2,044 |
| Assets per employee ($millions) | 2.3612% | 6,244 |
| Cash dividends to net income (ytd only)* | 91.4948% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,986 |
| Loan loss allowance to noncurrent loans | 245.3704% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 3,331 |
| Noncurrent loans to loans | 0.5672% | 3,969 |
| Net loans and leases to total assets | 53.0154% | 4,683 |
| Net loans and leases to deposits | 58.2106% | 5,052 |
| Net loans and leases to core deposits | 60.5690% | 5,091 |
| Total domestic deposits to total assets | 91.0752% | 345 |
| Equity capital to assets | 8.7696% | 5,514 |
| Core capital (leverage) ratio | 8.6299% | 5,405 |
| Tier 1 risk-based capital ratio | 15.7409% | 3,107 |
| Total risk-based capital ratio | 16.9927% | 3,038 |
| Memoranda: | ||
| Average total assets | $35,880,600 | 6,134 |
| Average earning assets | $32,533,200 | 6,129 |
| Average equity | $3,130,000 | 6,242 |
| Average total loans | $19,212,200 | 5,993 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 1,058 |
| Cost of funding earning assets | 0.2290% | 5,597 |
| Net interest margin | 4.6014% | 614 |
| Noninterest income to average assets | 0.6075% | 2,820 |
| Noninterest expense to average assets | 3.8744% | 878 |
| Loan and lease loss provision to assets | -0.0926% | 6,258 |
| Net operating income to assets | 0.9927% | 2,481 |
| Return on assets (ROA) | 0.9927% | 2,546 |
| Pretax return on assets | 0.9927% | 3,623 |
| Return on Equity (ROE) | 11.3941% | 1,662 |
| Retained earnings to average equity (ytd only) | 3.9541% | 3,833 |
| Net charge-offs to loans | -0.1177% | 6,190 |
| Credit loss provision to net charge-offs | 147.0588% | 1,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1482% | 1,735 |
| Assets per employee ($millions) | 2.3943% | 6,301 |
| Cash dividends to net income (ytd only)* | 65.3000% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 3,303 |
| Loan loss allowance to noncurrent loans | 341.0256% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 2,704 |
| Noncurrent loans to loans | 0.4016% | 4,704 |
| Net loans and leases to total assets | 53.3398% | 4,657 |
| Net loans and leases to deposits | 58.7746% | 5,035 |
| Net loans and leases to core deposits | 61.1283% | 5,107 |
| Total domestic deposits to total assets | 90.7532% | 435 |
| Equity capital to assets | 8.8153% | 5,536 |
| Core capital (leverage) ratio | 8.8438% | 5,279 |
| Tier 1 risk-based capital ratio | 15.7638% | 3,176 |
| Total risk-based capital ratio | 17.0135% | 3,117 |
| Memoranda: | ||
| Average total assets | $35,996,250 | 6,200 |
| Average earning assets | $32,598,250 | 6,204 |
| Average equity | $3,136,000 | 6,313 |
| Average total loans | $19,254,750 | 6,056 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 1,051 |
| Cost of funding earning assets | 0.2331% | 5,641 |
| Net interest margin | 4.5766% | 606 |
| Noninterest income to average assets | 0.6884% | 2,337 |
| Noninterest expense to average assets | 3.8142% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0160% | 2,265 |
| Return on assets (ROA) | 1.0160% | 2,331 |
| Pretax return on assets | 1.0160% | 3,418 |
| Return on Equity (ROE) | 11.7083% | 1,517 |
| Retained earnings to average equity (ytd only) | 4.6705% | 3,171 |
| Net charge-offs to loans | -0.1563% | 6,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9655% | 2,174 |
| Assets per employee ($millions) | 2.3636% | 6,372 |
| Cash dividends to net income (ytd only)* | 60.1093% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 2,821 |
| Loan loss allowance to noncurrent loans | 688.0952% | 704 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 2,452 |
| Noncurrent loans to loans | 0.2204% | 5,344 |
| Net loans and leases to total assets | 52.9418% | 4,649 |
| Net loans and leases to deposits | 58.3082% | 5,012 |
| Net loans and leases to core deposits | 60.6736% | 5,090 |
| Total domestic deposits to total assets | 90.7965% | 476 |
| Equity capital to assets | 8.8735% | 5,437 |
| Core capital (leverage) ratio | 8.6607% | 5,457 |
| Tier 1 risk-based capital ratio | 15.5650% | 3,320 |
| Total risk-based capital ratio | 16.8167% | 3,273 |
| Memoranda: | ||
| Average total assets | $36,023,330 | 6,264 |
| Average earning assets | $32,600,670 | 6,261 |
| Average equity | $3,126,000 | 6,364 |
| Average total loans | $19,198,670 | 6,107 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 1,215 |
| Cost of funding earning assets | 0.2426% | 5,659 |
| Net interest margin | 4.4764% | 686 |
| Noninterest income to average assets | 0.6720% | 2,337 |
| Noninterest expense to average assets | 3.7898% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9474% | 2,415 |
| Return on assets (ROA) | 0.9474% | 2,486 |
| Pretax return on assets | 0.9474% | 3,529 |
| Return on Equity (ROE) | 11.0398% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.0398% | 739 |
| Net charge-offs to loans | 0.2699% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,206 |
| Efficiency ratio | 80.0000% | 2,209 |
| Assets per employee ($millions) | 2.6036% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,825 |
| Loan loss allowance to noncurrent loans | 280.6452% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4733% | 2,402 |
| Noncurrent loans to loans | 0.4827% | 4,711 |
| Net loans and leases to total assets | 52.1399% | 4,654 |
| Net loans and leases to deposits | 57.2267% | 5,012 |
| Net loans and leases to core deposits | 59.4743% | 5,087 |
| Total domestic deposits to total assets | 91.1111% | 528 |
| Equity capital to assets | 8.6667% | 5,476 |
| Core capital (leverage) ratio | 8.6234% | 5,501 |
| Tier 1 risk-based capital ratio | 15.7008% | 3,329 |
| Total risk-based capital ratio | 16.9533% | 3,290 |
| Memoranda: | ||
| Average total assets | $36,308,000 | 6,320 |
| Average earning assets | $32,973,000 | 6,314 |
| Average equity | $3,116,000 | 6,423 |
| Average total loans | $19,268,500 | 6,165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 908 |
| Cost of funding earning assets | 0.2483% | 5,974 |
| Net interest margin | 4.7610% | 465 |
| Noninterest income to average assets | 0.4344% | 4,200 |
| Noninterest expense to average assets | 3.8623% | 1,040 |
| Loan and lease loss provision to assets | -0.2785% | 6,663 |
| Net operating income to assets | 1.2280% | 1,458 |
| Return on assets (ROA) | 1.2280% | 1,522 |
| Pretax return on assets | 1.2280% | 2,467 |
| Return on Equity (ROE) | 14.3892% | 873 |
| Retained earnings to average equity (ytd only) | 2.9692% | 4,128 |
| Net charge-offs to loans | 0.2618% | 2,395 |
| Credit loss provision to net charge-offs | -192.3077% | 5,985 |
| Earnings coverage of net charge-offs (x) | 6.5577% | 3,038 |
| Efficiency ratio | 80.2662% | 2,111 |
| Assets per employee ($millions) | 2.5833% | 6,337 |
| Cash dividends to net income (ytd only)* | 79.3651% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 3,544 |
| Loan loss allowance to noncurrent loans | 408.9552% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2470% | 2,926 |
| Noncurrent loans to loans | 0.3477% | 5,144 |
| Net loans and leases to total assets | 52.5272% | 4,785 |
| Net loans and leases to deposits | 57.4813% | 5,167 |
| Net loans and leases to core deposits | 59.7503% | 5,238 |
| Total domestic deposits to total assets | 91.3814% | 446 |
| Equity capital to assets | 8.4969% | 5,587 |
| Core capital (leverage) ratio | 8.4337% | 5,741 |
| Tier 1 risk-based capital ratio | 15.0042% | 3,665 |
| Total risk-based capital ratio | 16.2541% | 3,605 |
| Memoranda: | ||
| Average total assets | $35,911,600 | 6,396 |
| Average earning assets | $33,018,600 | 6,375 |
| Average equity | $3,064,800 | 6,524 |
| Average total loans | $19,860,600 | 6,208 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 840 |
| Cost of funding earning assets | 0.2503% | 6,080 |
| Net interest margin | 4.8053% | 426 |
| Noninterest income to average assets | 0.5505% | 3,452 |
| Noninterest expense to average assets | 3.9053% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0712% | 2,112 |
| Return on assets (ROA) | 1.0712% | 2,196 |
| Pretax return on assets | 1.0712% | 3,219 |
| Return on Equity (ROE) | 12.5374% | 1,345 |
| Retained earnings to average equity (ytd only) | 4.9191% | 3,140 |
| Net charge-offs to loans | 0.2333% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.2278% | 2,656 |
| Efficiency ratio | 78.4753% | 2,344 |
| Assets per employee ($millions) | 2.5840% | 6,400 |
| Cash dividends to net income (ytd only)* | 60.7646% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0472% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 2,970 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.7138% | 4,906 |
| Net loans and leases to deposits | 56.8166% | 5,300 |
| Net loans and leases to core deposits | 59.0661% | 5,365 |
| Total domestic deposits to total assets | 91.0189% | 524 |
| Equity capital to assets | 8.5554% | 5,674 |
| Core capital (leverage) ratio | 8.5063% | 5,765 |
| Tier 1 risk-based capital ratio | 15.1634% | 3,651 |
| Total risk-based capital ratio | 16.4225% | 3,603 |
| Memoranda: | ||
| Average total assets | $35,848,000 | 6,467 |
| Average earning assets | $33,018,500 | 6,446 |
| Average equity | $3,062,750 | 6,594 |
| Average total loans | $20,008,000 | 6,267 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 764 |
| Cost of funding earning assets | 0.2538% | 6,147 |
| Net interest margin | 4.8531% | 402 |
| Noninterest income to average assets | 0.6044% | 3,161 |
| Noninterest expense to average assets | 3.9397% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1584% | 1,705 |
| Return on assets (ROA) | 1.1584% | 1,823 |
| Pretax return on assets | 1.1584% | 2,849 |
| Return on Equity (ROE) | 13.5649% | 1,113 |
| Retained earnings to average equity (ytd only) | 6.3565% | 2,228 |
| Net charge-offs to loans | -0.0394% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2777% | 2,579 |
| Assets per employee ($millions) | 2.4392% | 6,547 |
| Cash dividends to net income (ytd only)* | 53.1401% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 1,487 |
| Loan loss allowance to noncurrent loans | 172.6908% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 2.0908% | 2,068 |
| Noncurrent loans to loans | 1.2557% | 3,449 |
| Net loans and leases to total assets | 53.0228% | 4,731 |
| Net loans and leases to deposits | 58.1012% | 5,153 |
| Net loans and leases to core deposits | 60.3684% | 5,232 |
| Total domestic deposits to total assets | 91.2594% | 460 |
| Equity capital to assets | 8.4153% | 5,856 |
| Core capital (leverage) ratio | 8.5044% | 5,669 |
| Tier 1 risk-based capital ratio | 15.0702% | 3,734 |
| Total risk-based capital ratio | 16.3330% | 3,687 |
| Memoranda: | ||
| Average total assets | $35,738,670 | 6,515 |
| Average earning assets | $33,092,000 | 6,494 |
| Average equity | $3,052,000 | 6,643 |
| Average total loans | $20,311,000 | 6,285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 639 |
| Cost of funding earning assets | 0.2568% | 6,239 |
| Net interest margin | 4.9162% | 329 |
| Noninterest income to average assets | 0.6003% | 3,136 |
| Noninterest expense to average assets | 3.8738% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2799% | 1,333 |
| Return on assets (ROA) | 1.2799% | 1,430 |
| Pretax return on assets | 1.2799% | 2,298 |
| Return on Equity (ROE) | 14.8758% | 796 |
| Retained earnings to average equity (ytd only) | 14.8758% | 365 |
| Net charge-offs to loans | -0.0389% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1648% | 3,069 |
| Assets per employee ($millions) | 2.2074% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1140% | 1,766 |
| Loan loss allowance to noncurrent loans | 1,783.3333% | 291 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 2,964 |
| Noncurrent loans to loans | 0.1185% | 6,117 |
| Net loans and leases to total assets | 56.1130% | 4,062 |
| Net loans and leases to deposits | 61.6481% | 4,601 |
| Net loans and leases to core deposits | 64.1505% | 4,726 |
| Total domestic deposits to total assets | 91.0216% | 520 |
| Equity capital to assets | 8.7632% | 5,742 |
| Core capital (leverage) ratio | 8.6970% | 5,334 |
| Tier 1 risk-based capital ratio | 15.8775% | 3,338 |
| Total risk-based capital ratio | 17.1395% | 3,294 |
| Memoranda: | ||
| Average total assets | $35,314,000 | 6,587 |
| Average earning assets | $32,708,500 | 6,561 |
| Average equity | $3,038,500 | 6,715 |
| Average total loans | $20,551,500 | 6,328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7268% | 417 |
| Cost of funding earning assets | 0.3508% | 6,209 |
| Net interest margin | 5.3760% | 204 |
| Noninterest income to average assets | 0.7315% | 2,580 |
| Noninterest expense to average assets | 4.1680% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5048% | 908 |
| Return on assets (ROA) | 1.8660% | 505 |
| Pretax return on assets | 1.8660% | 800 |
| Return on Equity (ROE) | 21.0381% | 258 |
| Retained earnings to average equity (ytd only) | 3.1641% | 4,004 |
| Net charge-offs to loans | -0.0094% | 6,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4737% | 3,160 |
| Assets per employee ($millions) | 2.2069% | 6,833 |
| Cash dividends to net income (ytd only)* | 84.9600% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,420.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 1.5463% | 3,071 |
| Noncurrent loans to loans | 0.1438% | 6,123 |
| Net loans and leases to total assets | 57.8618% | 4,003 |
| Net loans and leases to deposits | 63.2931% | 4,630 |
| Net loans and leases to core deposits | 65.8512% | 4,753 |
| Total domestic deposits to total assets | 91.4189% | 360 |
| Equity capital to assets | 8.4452% | 6,088 |
| Core capital (leverage) ratio | 8.5532% | 5,537 |
| Tier 1 risk-based capital ratio | 14.5598% | 3,986 |
| Total risk-based capital ratio | 15.8195% | 3,937 |
| Memoranda: | ||
| Average total assets | $33,493,400 | 6,670 |
| Average earning assets | $30,785,200 | 6,646 |
| Average equity | $2,970,800 | 6,789 |
| Average total loans | $21,216,200 | 6,369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8106% | 396 |
| Cost of funding earning assets | 0.3692% | 6,281 |
| Net interest margin | 5.4414% | 192 |
| Noninterest income to average assets | 0.6901% | 2,755 |
| Noninterest expense to average assets | 4.2655% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4205% | 1,181 |
| Return on assets (ROA) | 1.9088% | 517 |
| Pretax return on assets | 1.9088% | 852 |
| Return on Equity (ROE) | 21.2483% | 272 |
| Retained earnings to average equity (ytd only) | 6.3790% | 2,444 |
| Net charge-offs to loans | 0.0062% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 352.8722% | 127 |
| Efficiency ratio | 75.0177% | 2,824 |
| Assets per employee ($millions) | 2.3063% | 6,854 |
| Cash dividends to net income (ytd only)* | 69.9786% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 2,094 |
| Loan loss allowance to noncurrent loans | 1,692.0000% | 287 |
| Noncurrent assets plus other real estate owned to assets | 1.5639% | 3,249 |
| Noncurrent loans to loans | 0.1198% | 6,311 |
| Net loans and leases to total assets | 59.1143% | 3,946 |
| Net loans and leases to deposits | 65.0735% | 4,582 |
| Net loans and leases to core deposits | 68.3695% | 4,689 |
| Total domestic deposits to total assets | 90.8423% | 456 |
| Equity capital to assets | 8.7587% | 6,059 |
| Core capital (leverage) ratio | 8.8061% | 5,341 |
| Tier 1 risk-based capital ratio | 15.1804% | 3,721 |
| Total risk-based capital ratio | 16.4429% | 3,659 |
| Memoranda: | ||
| Average total assets | $33,039,250 | 6,759 |
| Average earning assets | $30,334,750 | 6,739 |
| Average equity | $2,968,000 | 6,878 |
| Average total loans | $21,306,000 | 6,451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9363% | 325 |
| Cost of funding earning assets | 0.4029% | 6,248 |
| Net interest margin | 5.5334% | 172 |
| Noninterest income to average assets | 0.6703% | 2,830 |
| Noninterest expense to average assets | 4.4156% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3222% | 1,384 |
| Return on assets (ROA) | 2.0664% | 394 |
| Pretax return on assets | 2.0664% | 615 |
| Return on Equity (ROE) | 22.8003% | 218 |
| Retained earnings to average equity (ytd only) | 4.4108% | 3,671 |
| Net charge-offs to loans | 0.0746% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 26.8750% | 1,149 |
| Efficiency ratio | 76.9561% | 2,600 |
| Assets per employee ($millions) | 2.0977% | 7,017 |
| Cash dividends to net income (ytd only)* | 80.6548% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 2,321 |
| Loan loss allowance to noncurrent loans | 1,540.7407% | 300 |
| Noncurrent assets plus other real estate owned to assets | 1.8026% | 3,033 |
| Noncurrent loans to loans | 0.1276% | 6,346 |
| Net loans and leases to total assets | 61.8091% | 3,477 |
| Net loans and leases to deposits | 67.9986% | 4,205 |
| Net loans and leases to core deposits | 71.5493% | 4,349 |
| Total domestic deposits to total assets | 90.8977% | 486 |
| Equity capital to assets | 8.7984% | 5,913 |
| Core capital (leverage) ratio | 8.8373% | 5,152 |
| Tier 1 risk-based capital ratio | 14.6573% | 3,992 |
| Total risk-based capital ratio | 15.9180% | 3,947 |
| Memoranda: | ||
| Average total assets | $32,521,000 | 6,831 |
| Average earning assets | $29,783,000 | 6,801 |
| Average equity | $2,947,330 | 6,924 |
| Average total loans | $21,450,330 | 6,492 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1150% | 259 |
| Cost of funding earning assets | 0.4241% | 6,288 |
| Net interest margin | 5.6909% | 141 |
| Noninterest income to average assets | 0.7750% | 2,275 |
| Noninterest expense to average assets | 4.4375% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5375% | 961 |
| Return on assets (ROA) | 3.0500% | 120 |
| Pretax return on assets | 3.0500% | 175 |
| Return on Equity (ROE) | 33.1465% | 79 |
| Retained earnings to average equity (ytd only) | 15.3507% | 424 |
| Net charge-offs to loans | -0.0185% | 6,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2678% | 3,058 |
| Assets per employee ($millions) | 1.9178% | 7,148 |
| Cash dividends to net income (ytd only)* | 53.6885% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,410 |
| Loan loss allowance to noncurrent loans | 319.5489% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 2.0581% | 2,813 |
| Noncurrent loans to loans | 0.6206% | 5,412 |
| Net loans and leases to total assets | 64.4266% | 2,779 |
| Net loans and leases to deposits | 71.1576% | 3,561 |
| Net loans and leases to core deposits | 75.0045% | 3,744 |
| Total domestic deposits to total assets | 90.5407% | 783 |
| Equity capital to assets | 9.2047% | 5,229 |
| Core capital (leverage) ratio | 9.3477% | 4,287 |
| Tier 1 risk-based capital ratio | 15.0956% | 3,698 |
| Total risk-based capital ratio | 16.3581% | 3,643 |
| Memoranda: | ||
| Average total assets | $32,000,000 | 6,897 |
| Average earning assets | $29,239,500 | 6,874 |
| Average equity | $2,944,500 | 6,973 |
| Average total loans | $21,595,000 | 6,530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5221% | 175 |
| Cost of funding earning assets | 0.6025% | 6,082 |
| Net interest margin | 5.9196% | 99 |
| Noninterest income to average assets | 0.6945% | 2,633 |
| Noninterest expense to average assets | 4.5913% | 537 |
| Loan and lease loss provision to assets | 0.1291% | 4,998 |
| Net operating income to assets | 1.3184% | 1,197 |
| Return on assets (ROA) | 1.3184% | 1,294 |
| Pretax return on assets | 1.3184% | 2,059 |
| Return on Equity (ROE) | 15.0052% | 743 |
| Retained earnings to average equity (ytd only) | 1.8538% | 4,894 |
| Net charge-offs to loans | 0.1686% | 4,805 |
| Credit loss provision to net charge-offs | 110.5263% | 3,019 |
| Earnings coverage of net charge-offs (x) | 12.3947% | 1,628 |
| Efficiency ratio | 76.0305% | 2,884 |
| Assets per employee ($millions) | 1.8469% | 7,202 |
| Cash dividends to net income (ytd only)* | 87.6457% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 2,421 |
| Loan loss allowance to noncurrent loans | 151.9713% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 2.6022% | 2,331 |
| Noncurrent loans to loans | 1.2822% | 4,228 |
| Net loans and leases to total assets | 67.9555% | 2,401 |
| Net loans and leases to deposits | 74.9552% | 3,351 |
| Net loans and leases to core deposits | 79.1630% | 3,556 |
| Total domestic deposits to total assets | 90.6615% | 642 |
| Equity capital to assets | 9.1983% | 5,287 |
| Core capital (leverage) ratio | 9.0647% | 4,674 |
| Tier 1 risk-based capital ratio | 14.4191% | 4,033 |
| Total risk-based capital ratio | 15.6823% | 3,993 |
| Memoranda: | ||
| Average total assets | $32,539,800 | 6,907 |
| Average earning assets | $29,377,000 | 6,886 |
| Average equity | $2,859,000 | 7,042 |
| Average total loans | $22,542,000 | 6,531 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5773% | 176 |
| Cost of funding earning assets | 0.6357% | 6,109 |
| Net interest margin | 5.9417% | 95 |
| Noninterest income to average assets | 0.1300% | 6,603 |
| Noninterest expense to average assets | 4.6061% | 522 |
| Loan and lease loss provision to assets | 0.1706% | 4,334 |
| Net operating income to assets | 0.7067% | 3,578 |
| Return on assets (ROA) | 0.7067% | 3,745 |
| Pretax return on assets | 0.7067% | 4,448 |
| Return on Equity (ROE) | 8.1350% | 2,986 |
| Retained earnings to average equity (ytd only) | 4.3948% | 3,599 |
| Net charge-offs to loans | 0.2053% | 4,157 |
| Credit loss provision to net charge-offs | 120.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 6.1708% | 2,604 |
| Efficiency ratio | 84.0000% | 1,732 |
| Assets per employee ($millions) | 1.8705% | 7,264 |
| Cash dividends to net income (ytd only)* | 45.9761% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 2,550 |
| Loan loss allowance to noncurrent loans | 454.2553% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.9875% | 3,153 |
| Noncurrent loans to loans | 0.4241% | 5,990 |
| Net loans and leases to total assets | 68.3659% | 2,410 |
| Net loans and leases to deposits | 75.6850% | 3,375 |
| Net loans and leases to core deposits | 79.8905% | 3,655 |
| Total domestic deposits to total assets | 90.3296% | 705 |
| Equity capital to assets | 9.2113% | 5,495 |
| Core capital (leverage) ratio | 8.9968% | 4,933 |
| Tier 1 risk-based capital ratio | 14.3889% | 4,062 |
| Total risk-based capital ratio | 15.6514% | 4,017 |
| Memoranda: | ||
| Average total assets | $32,825,500 | 6,959 |
| Average earning assets | $29,575,750 | 6,941 |
| Average equity | $2,851,750 | 7,110 |
| Average total loans | $22,737,500 | 6,589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6879% | 166 |
| Cost of funding earning assets | 0.6587% | 6,177 |
| Net interest margin | 6.0292% | 93 |
| Noninterest income to average assets | -0.1930% | 7,338 |
| Noninterest expense to average assets | 4.6852% | 495 |
| Loan and lease loss provision to assets | 0.2171% | 3,750 |
| Net operating income to assets | 0.3136% | 5,317 |
| Return on assets (ROA) | 0.3136% | 5,457 |
| Pretax return on assets | 0.3136% | 5,638 |
| Return on Equity (ROE) | 3.6801% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.6801% | 3,881 |
| Net charge-offs to loans | 0.3489% | 3,155 |
| Credit loss provision to net charge-offs | 90.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,735 |
| Efficiency ratio | 89.8266% | 1,252 |
| Assets per employee ($millions) | 1.9798% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,867 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 3,385 |
| Noncurrent loans to loans | 0.7772% | 5,360 |
| Net loans and leases to total assets | 66.0477% | 3,014 |
| Net loans and leases to deposits | 72.5111% | 4,036 |
| Net loans and leases to core deposits | 76.2704% | 4,276 |
| Total domestic deposits to total assets | 91.0863% | 471 |
| Equity capital to assets | 8.5780% | 6,085 |
| Core capital (leverage) ratio | 8.7594% | 5,117 |
| Tier 1 risk-based capital ratio | 13.8558% | 4,264 |
| Total risk-based capital ratio | 15.1133% | 4,229 |
| Memoranda: | ||
| Average total assets | $33,168,000 | 7,009 |
| Average earning assets | $29,755,330 | 7,008 |
| Average equity | $2,826,000 | 7,173 |
| Average total loans | $22,928,000 | 6,642 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9045% | 125 |
| Cost of funding earning assets | 0.7082% | 6,088 |
| Net interest margin | 6.1964% | 84 |
| Noninterest income to average assets | -1.3000% | 7,545 |
| Noninterest expense to average assets | 4.7503% | 454 |
| Loan and lease loss provision to assets | 0.4374% | 2,018 |
| Net operating income to assets | -0.9598% | 7,031 |
| Return on assets (ROA) | -0.9598% | 7,032 |
| Pretax return on assets | -0.9598% | 6,985 |
| Return on Equity (ROE) | -11.3039% | 7,057 |
| Retained earnings to average equity (ytd only) | -11.3039% | 6,917 |
| Net charge-offs to loans | 0.7629% | 1,690 |
| Credit loss provision to net charge-offs | 81.8182% | 3,125 |
| Earnings coverage of net charge-offs (x) | -0.9773% | 4,889 |
| Efficiency ratio | 112.3563% | 452 |
| Assets per employee ($millions) | 1.8353% | 7,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 3,165 |
| Loan loss allowance to noncurrent loans | 166.1290% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 2.5851% | 2,648 |
| Noncurrent loans to loans | 1.0550% | 4,943 |
| Net loans and leases to total assets | 69.9137% | 2,144 |
| Net loans and leases to deposits | 76.4490% | 3,350 |
| Net loans and leases to core deposits | 80.4711% | 3,673 |
| Total domestic deposits to total assets | 91.4515% | 427 |
| Equity capital to assets | 8.3427% | 6,116 |
| Core capital (leverage) ratio | 8.2676% | 5,874 |
| Tier 1 risk-based capital ratio | 12.6468% | 5,118 |
| Total risk-based capital ratio | 13.9042% | 5,086 |
| Memoranda: | ||
| Average total assets | $32,924,000 | 7,075 |
| Average earning assets | $29,372,000 | 7,071 |
| Average equity | $2,795,500 | 7,224 |
| Average total loans | $23,069,500 | 6,688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8286% | 191 |
| Cost of funding earning assets | 0.8036% | 6,549 |
| Net interest margin | 6.0250% | 96 |
| Noninterest income to average assets | 0.8454% | 2,080 |
| Noninterest expense to average assets | 4.4941% | 655 |
| Loan and lease loss provision to assets | 1.2742% | 1,216 |
| Net operating income to assets | 0.4947% | 4,121 |
| Return on assets (ROA) | 0.4947% | 4,280 |
| Pretax return on assets | 0.4947% | 4,637 |
| Return on Equity (ROE) | 5.7515% | 3,713 |
| Retained earnings to average equity (ytd only) | 1.7429% | 4,635 |
| Net charge-offs to loans | 0.8586% | 2,487 |
| Credit loss provision to net charge-offs | 207.3171% | 1,485 |
| Earnings coverage of net charge-offs (x) | 2.8780% | 3,630 |
| Efficiency ratio | 71.7568% | 3,844 |
| Assets per employee ($millions) | 1.7270% | 7,508 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,677 |
| Loan loss allowance to noncurrent loans | 158.4906% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 4.8792% | 1,327 |
| Noncurrent loans to loans | 1.1710% | 4,763 |
| Net loans and leases to total assets | 67.6896% | 3,059 |
| Net loans and leases to deposits | 74.2247% | 4,156 |
| Net loans and leases to core deposits | 79.5751% | 4,264 |
| Total domestic deposits to total assets | 91.1956% | 508 |
| Equity capital to assets | 8.6399% | 5,673 |
| Core capital (leverage) ratio | 8.4743% | 5,412 |
| Tier 1 risk-based capital ratio | 13.0453% | 4,566 |
| Total risk-based capital ratio | 14.3015% | 4,523 |
| Memoranda: | ||
| Average total assets | $33,355,200 | 7,104 |
| Average earning assets | $29,991,600 | 7,089 |
| Average equity | $2,868,800 | 7,311 |
| Average total loans | $23,875,000 | 6,737 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8198% | 196 |
| Cost of funding earning assets | 0.8171% | 6,703 |
| Net interest margin | 6.0026% | 89 |
| Noninterest income to average assets | 0.8321% | 2,071 |
| Noninterest expense to average assets | 4.4787% | 616 |
| Loan and lease loss provision to assets | 0.6768% | 2,258 |
| Net operating income to assets | 1.0868% | 1,934 |
| Return on assets (ROA) | 1.0868% | 2,045 |
| Pretax return on assets | 1.0868% | 2,867 |
| Return on Equity (ROE) | 12.6506% | 1,347 |
| Retained earnings to average equity (ytd only) | 9.4069% | 930 |
| Net charge-offs to loans | 0.3308% | 4,007 |
| Credit loss provision to net charge-offs | 283.3333% | 1,143 |
| Earnings coverage of net charge-offs (x) | 7.3831% | 2,342 |
| Efficiency ratio | 71.7474% | 3,753 |
| Assets per employee ($millions) | 1.8657% | 7,560 |
| Cash dividends to net income (ytd only)* | 25.6408% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 5,002 |
| Loan loss allowance to noncurrent loans | 31.9917% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 4.6870% | 1,409 |
| Noncurrent loans to loans | 4.0434% | 1,844 |
| Net loans and leases to total assets | 70.4395% | 2,628 |
| Net loans and leases to deposits | 77.7077% | 3,880 |
| Net loans and leases to core deposits | 82.4733% | 4,171 |
| Total domestic deposits to total assets | 90.6468% | 575 |
| Equity capital to assets | 8.8976% | 5,703 |
| Core capital (leverage) ratio | 8.8773% | 4,880 |
| Tier 1 risk-based capital ratio | 13.2253% | 4,402 |
| Total risk-based capital ratio | 14.4779% | 4,379 |
| Memoranda: | ||
| Average total assets | $33,490,750 | 7,185 |
| Average earning assets | $30,186,000 | 7,169 |
| Average equity | $2,877,250 | 7,404 |
| Average total loans | $24,186,000 | 6,808 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8122% | 198 |
| Cost of funding earning assets | 0.8474% | 6,769 |
| Net interest margin | 5.9648% | 97 |
| Noninterest income to average assets | 0.8129% | 2,051 |
| Noninterest expense to average assets | 4.3694% | 669 |
| Loan and lease loss provision to assets | 0.9564% | 1,533 |
| Net operating income to assets | 0.8727% | 2,648 |
| Return on assets (ROA) | 0.8727% | 2,780 |
| Pretax return on assets | 0.8727% | 3,613 |
| Return on Equity (ROE) | 10.2805% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.9284% | 862 |
| Net charge-offs to loans | 0.4369% | 3,238 |
| Credit loss provision to net charge-offs | 301.8868% | 1,213 |
| Earnings coverage of net charge-offs (x) | 5.7736% | 2,602 |
| Efficiency ratio | 70.4918% | 4,093 |
| Assets per employee ($millions) | 1.7904% | 7,656 |
| Cash dividends to net income (ytd only)* | 3.4247% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 5,040 |
| Loan loss allowance to noncurrent loans | 29.8929% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 4.3830% | 1,522 |
| Noncurrent loans to loans | 4.2777% | 1,737 |
| Net loans and leases to total assets | 69.6719% | 2,979 |
| Net loans and leases to deposits | 76.5116% | 4,238 |
| Net loans and leases to core deposits | 81.1123% | 4,540 |
| Total domestic deposits to total assets | 91.0606% | 463 |
| Equity capital to assets | 8.6013% | 6,011 |
| Core capital (leverage) ratio | 8.7458% | 5,014 |
| Tier 1 risk-based capital ratio | 12.9866% | 4,455 |
| Total risk-based capital ratio | 14.2382% | 4,416 |
| Memoranda: | ||
| Average total assets | $33,460,330 | 7,234 |
| Average earning assets | $30,210,670 | 7,220 |
| Average equity | $2,840,330 | 7,463 |
| Average total loans | $24,259,670 | 6,848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9639% | 181 |
| Cost of funding earning assets | 0.8705% | 6,869 |
| Net interest margin | 6.0934% | 98 |
| Noninterest income to average assets | 0.7595% | 2,238 |
| Noninterest expense to average assets | 4.3759% | 654 |
| Loan and lease loss provision to assets | 1.5671% | 740 |
| Net operating income to assets | 0.3014% | 5,295 |
| Return on assets (ROA) | 0.3014% | 5,424 |
| Pretax return on assets | 0.3014% | 5,595 |
| Return on Equity (ROE) | 3.5746% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.5746% | 4,008 |
| Net charge-offs to loans | 0.7545% | 2,001 |
| Credit loss provision to net charge-offs | 282.6087% | 1,398 |
| Earnings coverage of net charge-offs (x) | 3.3696% | 2,929 |
| Efficiency ratio | 70.0772% | 4,287 |
| Assets per employee ($millions) | 1.8420% | 7,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,620 |
| Loan loss allowance to noncurrent loans | 27.6803% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 4.6145% | 1,455 |
| Noncurrent loans to loans | 4.2551% | 1,798 |
| Net loans and leases to total assets | 71.8663% | 2,489 |
| Net loans and leases to deposits | 78.7729% | 3,884 |
| Net loans and leases to core deposits | 85.2035% | 4,010 |
| Total domestic deposits to total assets | 91.2324% | 457 |
| Equity capital to assets | 8.4751% | 6,036 |
| Core capital (leverage) ratio | 8.3751% | 5,601 |
| Tier 1 risk-based capital ratio | 12.3062% | 4,897 |
| Total risk-based capital ratio | 13.5500% | 4,863 |
| Memoranda: | ||
| Average total assets | $33,181,500 | 7,333 |
| Average earning assets | $29,868,500 | 7,327 |
| Average equity | $2,797,500 | 7,553 |
| Average total loans | $24,385,500 | 6,914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4976% | 133 |
| Cost of funding earning assets | 1.1288% | 6,885 |
| Net interest margin | 6.3688% | 83 |
| Noninterest income to average assets | 1.0218% | 1,500 |
| Noninterest expense to average assets | 4.5860% | 727 |
| Loan and lease loss provision to assets | 1.0581% | 2,170 |
| Net operating income to assets | 1.1427% | 1,403 |
| Return on assets (ROA) | 1.1427% | 1,428 |
| Pretax return on assets | 1.1427% | 2,116 |
| Return on Equity (ROE) | 12.8458% | 995 |
| Retained earnings to average equity (ytd only) | -9.6173% | 6,490 |
| Net charge-offs to loans | 1.2801% | 1,941 |
| Credit loss provision to net charge-offs | 108.6957% | 5,090 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 4,027 |
| Efficiency ratio | 67.5724% | 5,083 |
| Assets per employee ($millions) | 1.8448% | 7,811 |
| Cash dividends to net income (ytd only)* | 174.8677% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 7,098 |
| Loan loss allowance to noncurrent loans | 19.3798% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 4.4840% | 1,438 |
| Noncurrent loans to loans | 4.1851% | 1,743 |
| Net loans and leases to total assets | 73.6562% | 2,348 |
| Net loans and leases to deposits | 80.5261% | 3,885 |
| Net loans and leases to core deposits | 96.0683% | 4,463 |
| Total domestic deposits to total assets | 91.4687% | 388 |
| Equity capital to assets | 8.3868% | 6,071 |
| Core capital (leverage) ratio | 8.4025% | 5,431 |
| Tier 1 risk-based capital ratio | 11.7061% | 5,189 |
| Total risk-based capital ratio | 12.5468% | 5,569 |
| Memoranda: | ||
| Average total assets | $33,079,000 | 7,361 |
| Average earning assets | $29,943,000 | 7,361 |
| Average equity | $2,942,600 | 7,605 |
| Average total loans | $25,154,600 | 6,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5854% | 125 |
| Cost of funding earning assets | 1.1886% | 6,923 |
| Net interest margin | 6.3968% | 78 |
| Noninterest income to average assets | 1.0934% | 1,331 |
| Noninterest expense to average assets | 4.5792% | 673 |
| Loan and lease loss provision to assets | 0.3429% | 4,271 |
| Net operating income to assets | 1.9689% | 314 |
| Return on assets (ROA) | 1.9689% | 335 |
| Pretax return on assets | 1.9689% | 573 |
| Return on Equity (ROE) | 21.8192% | 207 |
| Retained earnings to average equity (ytd only) | -7.7351% | 6,567 |
| Net charge-offs to loans | 0.2743% | 4,331 |
| Credit loss provision to net charge-offs | 163.4615% | 2,884 |
| Earnings coverage of net charge-offs (x) | 11.0195% | 1,888 |
| Efficiency ratio | 66.4520% | 5,295 |
| Assets per employee ($millions) | 1.8319% | 7,882 |
| Cash dividends to net income (ytd only)* | 135.4507% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 7,071 |
| Loan loss allowance to noncurrent loans | 11.9117% | 7,412 |
| Noncurrent assets plus other real estate owned to assets | 5.7197% | 973 |
| Noncurrent loans to loans | 6.8538% | 795 |
| Net loans and leases to total assets | 75.5292% | 2,096 |
| Net loans and leases to deposits | 83.2470% | 3,787 |
| Net loans and leases to core deposits | 101.0878% | 4,258 |
| Total domestic deposits to total assets | 90.7291% | 502 |
| Equity capital to assets | 8.7796% | 5,838 |
| Core capital (leverage) ratio | 8.6467% | 5,231 |
| Tier 1 risk-based capital ratio | 12.2560% | 4,739 |
| Total risk-based capital ratio | 13.1239% | 5,023 |
| Memoranda: | ||
| Average total assets | $33,047,000 | 7,423 |
| Average earning assets | $29,951,500 | 7,417 |
| Average equity | $2,982,000 | 7,666 |
| Average total loans | $25,278,500 | 6,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6487% | 129 |
| Cost of funding earning assets | 1.2692% | 6,902 |
| Net interest margin | 6.3795% | 76 |
| Noninterest income to average assets | 1.1490% | 1,185 |
| Noninterest expense to average assets | 4.5538% | 739 |
| Loan and lease loss provision to assets | 0.4233% | 3,426 |
| Net operating income to assets | 1.9473% | 338 |
| Return on assets (ROA) | 1.9473% | 368 |
| Pretax return on assets | 1.9473% | 637 |
| Return on Equity (ROE) | 21.3882% | 265 |
| Retained earnings to average equity (ytd only) | -6.1773% | 6,475 |
| Net charge-offs to loans | 0.3395% | 3,475 |
| Credit loss provision to net charge-offs | 162.7907% | 2,824 |
| Earnings coverage of net charge-offs (x) | 9.1163% | 2,172 |
| Efficiency ratio | 65.7642% | 5,587 |
| Assets per employee ($millions) | 1.7725% | 7,989 |
| Cash dividends to net income (ytd only)* | 128.8820% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 7,183 |
| Loan loss allowance to noncurrent loans | 30.3817% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 2.8773% | 2,225 |
| Noncurrent loans to loans | 2.6069% | 2,778 |
| Net loans and leases to total assets | 74.0179% | 2,694 |
| Net loans and leases to deposits | 81.5861% | 4,288 |
| Net loans and leases to core deposits | 100.9722% | 4,408 |
| Total domestic deposits to total assets | 90.7236% | 547 |
| Equity capital to assets | 8.8339% | 5,550 |
| Core capital (leverage) ratio | 8.8642% | 4,840 |
| Tier 1 risk-based capital ratio | 12.4738% | 4,540 |
| Total risk-based capital ratio | 13.3082% | 4,782 |
| Memoranda: | ||
| Average total assets | $33,071,330 | 7,481 |
| Average earning assets | $29,939,670 | 7,483 |
| Average equity | $3,011,000 | 7,729 |
| Average total loans | $25,334,670 | 7,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7005% | 131 |
| Cost of funding earning assets | 1.3369% | 6,912 |
| Net interest margin | 6.3636% | 77 |
| Noninterest income to average assets | 1.1963% | 1,013 |
| Noninterest expense to average assets | 4.2968% | 858 |
| Loan and lease loss provision to assets | 0.6103% | 2,063 |
| Net operating income to assets | 2.0996% | 287 |
| Return on assets (ROA) | 2.0996% | 333 |
| Pretax return on assets | 2.0996% | 541 |
| Return on Equity (ROE) | 22.7138% | 274 |
| Retained earnings to average equity (ytd only) | -10.3004% | 7,138 |
| Net charge-offs to loans | 0.5661% | 2,053 |
| Credit loss provision to net charge-offs | 138.8889% | 2,926 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,533 |
| Efficiency ratio | 61.3240% | 6,191 |
| Assets per employee ($millions) | 1.7518% | 8,040 |
| Cash dividends to net income (ytd only)* | 145.3488% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7290% | 7,362 |
| Loan loss allowance to noncurrent loans | 20.5298% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 3.5543% | 1,505 |
| Noncurrent loans to loans | 3.5511% | 1,782 |
| Net loans and leases to total assets | 76.0936% | 2,247 |
| Net loans and leases to deposits | 83.8726% | 4,006 |
| Net loans and leases to core deposits | 103.4642% | 4,194 |
| Total domestic deposits to total assets | 90.7253% | 502 |
| Equity capital to assets | 8.9833% | 5,380 |
| Core capital (leverage) ratio | 9.0272% | 4,660 |
| Tier 1 risk-based capital ratio | 12.4392% | 4,582 |
| Total risk-based capital ratio | 13.2130% | 4,895 |
| Memoranda: | ||
| Average total assets | $32,768,500 | 7,539 |
| Average earning assets | $29,920,000 | 7,522 |
| Average equity | $3,029,000 | 7,770 |
| Average total loans | $25,439,000 | 7,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1753% | 153 |
| Cost of funding earning assets | 1.9900% | 6,440 |
| Net interest margin | 6.1853% | 93 |
| Noninterest income to average assets | 1.0416% | 1,452 |
| Noninterest expense to average assets | 4.1965% | 1,152 |
| Loan and lease loss provision to assets | 0.1144% | 5,909 |
| Net operating income to assets | 2.3541% | 172 |
| Return on assets (ROA) | 2.3541% | 170 |
| Pretax return on assets | 2.3541% | 270 |
| Return on Equity (ROE) | 25.6713% | 122 |
| Retained earnings to average equity (ytd only) | -5.5479% | 6,591 |
| Net charge-offs to loans | 0.3777% | 2,949 |
| Credit loss provision to net charge-offs | 40.4255% | 6,450 |
| Earnings coverage of net charge-offs (x) | 8.7234% | 2,830 |
| Efficiency ratio | 62.9630% | 5,786 |
| Assets per employee ($millions) | 1.6975% | 8,097 |
| Cash dividends to net income (ytd only)* | 121.6113% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 7,484 |
| Loan loss allowance to noncurrent loans | 12.6378% | 7,462 |
| Noncurrent assets plus other real estate owned to assets | 4.2198% | 942 |
| Noncurrent loans to loans | 5.3657% | 783 |
| Net loans and leases to total assets | 78.1106% | 2,106 |
| Net loans and leases to deposits | 86.4907% | 4,039 |
| Net loans and leases to core deposits | 103.3347% | 4,464 |
| Total domestic deposits to total assets | 90.3110% | 546 |
| Equity capital to assets | 9.5123% | 4,676 |
| Core capital (leverage) ratio | 9.1239% | 4,559 |
| Tier 1 risk-based capital ratio | 13.0204% | 4,098 |
| Total risk-based capital ratio | 13.7504% | 4,337 |
| Memoranda: | ||
| Average total assets | $33,218,400 | 7,498 |
| Average earning assets | $30,200,800 | 7,501 |
| Average equity | $3,046,200 | 7,824 |
| Average total loans | $24,889,000 | 7,032 |