Home > Bank of Commerce and Trust Company > Performance and Condition Ratios
Bank of Commerce and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 2,662 |
| Cost of funding earning assets | 2.0652% | 1,744 |
| Net interest margin | 3.1630% | 3,093 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.5668% | 2,111 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.6802% | 3,161 |
| Return on assets (ROA) | 0.6768% | 3,183 |
| Pretax return on assets | 0.7092% | 3,374 |
| Return on Equity (ROE) | 14.6700% | 1,142 |
| Retained earnings to average equity (ytd only) | 7.1004% | 1,952 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.1129% | 1,238 |
| Assets per employee ($millions) | 5.8299% | 3,064 |
| Cash dividends to net income (ytd only)* | 51.5957% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 3,788 |
| Loan loss allowance to noncurrent loans | 37.0497% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 542 |
| Noncurrent loans to loans | 2.2349% | 364 |
| Net loans and leases to total assets | 46.7100% | 3,732 |
| Net loans and leases to deposits | 49.9291% | 3,867 |
| Net loans and leases to core deposits | 59.8026% | 3,702 |
| Total domestic deposits to total assets | 93.5500% | 100 |
| Equity capital to assets | 4.8705% | 4,384 |
| Core capital (leverage) ratio | 8.6179% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4595% | 967 |
| Memoranda: | ||
| Average total assets | $111,109,500 | 3,685 |
| Average earning assets | $101,297,000 | 3,693 |
| Average equity | $5,126,500 | 4,231 |
| Average total loans | $52,505,500 | 3,791 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 2,725 |
| Cost of funding earning assets | 2.2310% | 1,668 |
| Net interest margin | 2.9760% | 3,186 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.5367% | 2,198 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.6010% | 3,227 |
| Return on assets (ROA) | 0.6139% | 3,220 |
| Pretax return on assets | 0.6427% | 3,383 |
| Return on Equity (ROE) | 13.7000% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.9509% | 1,446 |
| Net charge-offs to loans | 0.1451% | 900 |
| Credit loss provision to net charge-offs | 39.4737% | 2,388 |
| Earnings coverage of net charge-offs (x) | 9.5921% | 2,314 |
| Efficiency ratio | 78.6862% | 1,154 |
| Assets per employee ($millions) | 5.5726% | 3,237 |
| Cash dividends to net income (ytd only)* | 49.2669% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 3,879 |
| Loan loss allowance to noncurrent loans | 65.1235% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 986 |
| Noncurrent loans to loans | 1.2264% | 830 |
| Net loans and leases to total assets | 47.0300% | 3,776 |
| Net loans and leases to deposits | 50.0124% | 3,916 |
| Net loans and leases to core deposits | 59.7005% | 3,761 |
| Total domestic deposits to total assets | 94.0400% | 101 |
| Equity capital to assets | 4.3589% | 4,405 |
| Core capital (leverage) ratio | 8.8093% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4120% | 982 |
| Memoranda: | ||
| Average total assets | $111,088,000 | 3,682 |
| Average earning assets | $102,016,400 | 3,681 |
| Average equity | $4,977,800 | 4,243 |
| Average total loans | $52,362,800 | 3,780 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2819% | 2,490 |
| Cost of funding earning assets | 2.1905% | 1,756 |
| Net interest margin | 3.0914% | 2,923 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.6018% | 1,953 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.6386% | 3,119 |
| Return on assets (ROA) | 0.6535% | 3,109 |
| Pretax return on assets | 0.6847% | 3,309 |
| Return on Equity (ROE) | 14.4800% | 1,053 |
| Retained earnings to average equity (ytd only) | 6.1769% | 2,028 |
| Net charge-offs to loans | 0.1940% | 601 |
| Credit loss provision to net charge-offs | 39.4737% | 2,116 |
| Earnings coverage of net charge-offs (x) | 7.7237% | 2,252 |
| Efficiency ratio | 77.9150% | 1,230 |
| Assets per employee ($millions) | 5.3797% | 3,380 |
| Cash dividends to net income (ytd only)* | 57.3529% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 3,898 |
| Loan loss allowance to noncurrent loans | 82.3875% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 1,096 |
| Noncurrent loans to loans | 0.9794% | 1,019 |
| Net loans and leases to total assets | 48.1000% | 3,723 |
| Net loans and leases to deposits | 51.8583% | 3,892 |
| Net loans and leases to core deposits | 63.6869% | 3,657 |
| Total domestic deposits to total assets | 92.7500% | 115 |
| Equity capital to assets | 5.5170% | 4,401 |
| Core capital (leverage) ratio | 8.2957% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5045% | 1,002 |
| Memoranda: | ||
| Average total assets | $110,997,250 | 3,696 |
| Average earning assets | $102,258,500 | 3,694 |
| Average equity | $5,007,750 | 4,264 |
| Average total loans | $52,243,750 | 3,792 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 2,660 |
| Cost of funding earning assets | 2.1024% | 1,865 |
| Net interest margin | 3.0502% | 2,957 |
| Noninterest income to average assets | 0.4500% | 2,091 |
| Noninterest expense to average assets | 2.5256% | 2,173 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6537% | 3,056 |
| Return on assets (ROA) | 0.6706% | 3,035 |
| Pretax return on assets | 0.7027% | 3,225 |
| Return on Equity (ROE) | 16.0100% | 835 |
| Retained earnings to average equity (ytd only) | 5.7893% | 2,085 |
| Net charge-offs to loans | 0.2908% | 379 |
| Credit loss provision to net charge-offs | 39.4737% | 1,879 |
| Earnings coverage of net charge-offs (x) | 5.4474% | 2,211 |
| Efficiency ratio | 76.6667% | 1,403 |
| Assets per employee ($millions) | 6.0550% | 2,752 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 3,913 |
| Loan loss allowance to noncurrent loans | 72.2603% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 1,002 |
| Noncurrent loans to loans | 1.1200% | 813 |
| Net loans and leases to total assets | 44.9600% | 3,868 |
| Net loans and leases to deposits | 47.6117% | 4,029 |
| Net loans and leases to core deposits | 59.1771% | 3,794 |
| Total domestic deposits to total assets | 94.4300% | 67 |
| Equity capital to assets | 4.0723% | 4,460 |
| Core capital (leverage) ratio | 8.2252% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9034% | 1,101 |
| Memoranda: | ||
| Average total assets | $112,131,667 | 3,693 |
| Average earning assets | $103,404,000 | 3,695 |
| Average equity | $4,698,333 | 4,295 |
| Average total loans | $52,267,333 | 3,805 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 2,467 |
| Cost of funding earning assets | 2.0301% | 1,918 |
| Net interest margin | 3.1414% | 2,693 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 2.5986% | 1,973 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.6725% | 2,924 |
| Return on assets (ROA) | 0.6759% | 2,934 |
| Pretax return on assets | 0.7192% | 3,111 |
| Return on Equity (ROE) | 15.9000% | 851 |
| Retained earnings to average equity (ytd only) | 7.7365% | 1,628 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.1150% | 1,439 |
| Assets per employee ($millions) | 5.3197% | 3,414 |
| Cash dividends to net income (ytd only)* | 51.3369% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 3,700 |
| Loan loss allowance to noncurrent loans | 136.4431% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 1,316 |
| Noncurrent loans to loans | 0.6611% | 1,341 |
| Net loans and leases to total assets | 46.0300% | 3,805 |
| Net loans and leases to deposits | 48.7961% | 3,964 |
| Net loans and leases to core deposits | 60.3219% | 3,755 |
| Total domestic deposits to total assets | 94.3200% | 94 |
| Equity capital to assets | 4.1437% | 4,467 |
| Core capital (leverage) ratio | 8.2052% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7210% | 1,135 |
| Memoranda: | ||
| Average total assets | $110,675,000 | 3,722 |
| Average earning assets | $101,866,500 | 3,730 |
| Average equity | $4,705,000 | 4,315 |
| Average total loans | $52,329,000 | 3,814 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 2,603 |
| Cost of funding earning assets | 1.6563% | 1,552 |
| Net interest margin | 3.0799% | 3,136 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.6882% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5684% | 3,519 |
| Return on assets (ROA) | 0.5556% | 3,538 |
| Pretax return on assets | 0.5794% | 3,673 |
| Return on Equity (ROE) | 15.4000% | 1,208 |
| Retained earnings to average equity (ytd only) | 10.3264% | 935 |
| Net charge-offs to loans | -0.0057% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.6265% | 877 |
| Assets per employee ($millions) | 5.2208% | 3,459 |
| Cash dividends to net income (ytd only)* | 32.9331% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 3,766 |
| Loan loss allowance to noncurrent loans | 203.0435% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 1,448 |
| Noncurrent loans to loans | 0.4358% | 1,692 |
| Net loans and leases to total assets | 47.7100% | 3,739 |
| Net loans and leases to deposits | 50.6566% | 3,930 |
| Net loans and leases to core deposits | 63.2881% | 3,625 |
| Total domestic deposits to total assets | 94.1800% | 96 |
| Equity capital to assets | 4.3608% | 4,480 |
| Core capital (leverage) ratio | 8.8621% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6331% | 1,152 |
| Memoranda: | ||
| Average total assets | $104,939,200 | 3,782 |
| Average earning assets | $96,301,000 | 3,780 |
| Average equity | $3,786,400 | 4,368 |
| Average total loans | $52,229,800 | 3,806 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 2,453 |
| Cost of funding earning assets | 1.5713% | 1,432 |
| Net interest margin | 3.1369% | 3,064 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.7613% | 1,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5361% | 3,692 |
| Return on assets (ROA) | 0.5178% | 3,712 |
| Pretax return on assets | 0.5448% | 3,831 |
| Return on Equity (ROE) | 15.1900% | 1,416 |
| Retained earnings to average equity (ytd only) | 7.9521% | 1,980 |
| Net charge-offs to loans | -0.0051% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.7130% | 747 |
| Assets per employee ($millions) | 5.1170% | 3,504 |
| Cash dividends to net income (ytd only)* | 47.6427% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 3,771 |
| Loan loss allowance to noncurrent loans | 171.9101% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 1,306 |
| Noncurrent loans to loans | 0.5162% | 1,531 |
| Net loans and leases to total assets | 50.1000% | 3,608 |
| Net loans and leases to deposits | 52.5561% | 3,858 |
| Net loans and leases to core deposits | 65.4710% | 3,456 |
| Total domestic deposits to total assets | 95.3200% | 105 |
| Equity capital to assets | 3.0370% | 4,488 |
| Core capital (leverage) ratio | 8.4944% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9708% | 1,110 |
| Memoranda: | ||
| Average total assets | $103,764,750 | 3,809 |
| Average earning assets | $95,122,000 | 3,806 |
| Average equity | $3,537,750 | 4,404 |
| Average total loans | $52,093,750 | 3,814 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 2,482 |
| Cost of funding earning assets | 1.4187% | 1,397 |
| Net interest margin | 3.1512% | 3,098 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.6727% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6237% | 3,524 |
| Return on assets (ROA) | 0.5890% | 3,612 |
| Pretax return on assets | 0.6197% | 3,759 |
| Return on Equity (ROE) | 16.6800% | 1,151 |
| Retained earnings to average equity (ytd only) | 11.4643% | 1,081 |
| Net charge-offs to loans | -0.0038% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.0778% | 907 |
| Assets per employee ($millions) | 4.8704% | 3,696 |
| Cash dividends to net income (ytd only)* | 31.2704% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 3,836 |
| Loan loss allowance to noncurrent loans | 266.2791% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,501 |
| Noncurrent loans to loans | 0.3306% | 1,943 |
| Net loans and leases to total assets | 50.4200% | 3,533 |
| Net loans and leases to deposits | 53.1832% | 3,787 |
| Net loans and leases to core deposits | 64.2952% | 3,433 |
| Total domestic deposits to total assets | 94.8000% | 105 |
| Equity capital to assets | 3.6714% | 4,532 |
| Core capital (leverage) ratio | 8.6417% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8483% | 1,148 |
| Memoranda: | ||
| Average total assets | $104,240,000 | 3,821 |
| Average earning assets | $95,581,667 | 3,819 |
| Average equity | $3,681,000 | 4,420 |
| Average total loans | $52,215,667 | 3,828 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 2,342 |
| Cost of funding earning assets | 1.2889% | 1,256 |
| Net interest margin | 3.1995% | 3,120 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.7523% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5659% | 3,757 |
| Return on assets (ROA) | 0.4980% | 3,869 |
| Pretax return on assets | 0.5322% | 3,947 |
| Return on Equity (ROE) | 14.3800% | 1,695 |
| Retained earnings to average equity (ytd only) | 3.8419% | 3,314 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.8607% | 775 |
| Assets per employee ($millions) | 4.9090% | 3,725 |
| Cash dividends to net income (ytd only)* | 73.2824% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 3,970 |
| Loan loss allowance to noncurrent loans | 104.5662% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 831 |
| Noncurrent loans to loans | 0.8184% | 934 |
| Net loans and leases to total assets | 51.4700% | 3,384 |
| Net loans and leases to deposits | 54.2449% | 3,663 |
| Net loans and leases to core deposits | 64.6153% | 3,311 |
| Total domestic deposits to total assets | 94.8900% | 99 |
| Equity capital to assets | 3.6493% | 4,566 |
| Core capital (leverage) ratio | 8.2712% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4851% | 1,266 |
| Memoranda: | ||
| Average total assets | $105,221,000 | 3,864 |
| Average earning assets | $96,516,500 | 3,857 |
| Average equity | $3,644,000 | 4,486 |
| Average total loans | $52,310,500 | 3,874 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 1,827 |
| Cost of funding earning assets | 0.6760% | 653 |
| Net interest margin | 3.2830% | 2,614 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.7410% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6776% | 3,682 |
| Return on assets (ROA) | 0.6574% | 3,689 |
| Pretax return on assets | 0.6865% | 3,875 |
| Return on Equity (ROE) | 13.4300% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.0488% | 2,624 |
| Net charge-offs to loans | -0.0042% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.4820% | 757 |
| Assets per employee ($millions) | 5.1111% | 3,586 |
| Cash dividends to net income (ytd only)* | 54.9618% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 3,740 |
| Loan loss allowance to noncurrent loans | 100.2160% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 820 |
| Noncurrent loans to loans | 0.9061% | 818 |
| Net loans and leases to total assets | 47.1800% | 3,728 |
| Net loans and leases to deposits | 49.4352% | 3,922 |
| Net loans and leases to core deposits | 53.8705% | 3,812 |
| Total domestic deposits to total assets | 95.4300% | 111 |
| Equity capital to assets | 3.2851% | 4,582 |
| Core capital (leverage) ratio | 9.0492% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8133% | 1,159 |
| Memoranda: | ||
| Average total assets | $99,634,800 | 3,932 |
| Average earning assets | $88,607,000 | 3,942 |
| Average equity | $4,877,000 | 4,442 |
| Average total loans | $47,660,600 | 3,930 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 1,509 |
| Cost of funding earning assets | 0.5551% | 563 |
| Net interest margin | 3.3355% | 2,185 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.8369% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5827% | 3,877 |
| Return on assets (ROA) | 0.5827% | 3,833 |
| Pretax return on assets | 0.6127% | 3,968 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 2.3267% | 3,952 |
| Net charge-offs to loans | -0.0028% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.2389% | 642 |
| Assets per employee ($millions) | 4.8060% | 3,841 |
| Cash dividends to net income (ytd only)* | 78.6885% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,742 |
| Loan loss allowance to noncurrent loans | 99.7845% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 762 |
| Noncurrent loans to loans | 0.9414% | 828 |
| Net loans and leases to total assets | 50.8000% | 3,398 |
| Net loans and leases to deposits | 54.5693% | 3,575 |
| Net loans and leases to core deposits | 60.6358% | 3,338 |
| Total domestic deposits to total assets | 93.0900% | 559 |
| Equity capital to assets | 2.7664% | 4,610 |
| Core capital (leverage) ratio | 8.7939% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6212% | 1,526 |
| Memoranda: | ||
| Average total assets | $97,710,000 | 3,975 |
| Average earning assets | $86,222,000 | 3,993 |
| Average equity | $5,214,750 | 4,447 |
| Average total loans | $46,801,000 | 3,964 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 1,277 |
| Cost of funding earning assets | 0.4804% | 588 |
| Net interest margin | 3.3376% | 1,797 |
| Noninterest income to average assets | 0.5110% | 2,138 |
| Noninterest expense to average assets | 2.7972% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6270% | 3,549 |
| Return on assets (ROA) | 0.6270% | 3,498 |
| Pretax return on assets | 0.6555% | 3,698 |
| Return on Equity (ROE) | 10.1538% | 2,280 |
| Retained earnings to average equity (ytd only) | 2.2418% | 3,681 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0142% | 873 |
| Assets per employee ($millions) | 4.8033% | 3,845 |
| Cash dividends to net income (ytd only)* | 77.9221% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,685 |
| Loan loss allowance to noncurrent loans | 97.8814% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 793 |
| Noncurrent loans to loans | 1.0012% | 835 |
| Net loans and leases to total assets | 48.5926% | 3,499 |
| Net loans and leases to deposits | 51.1052% | 3,753 |
| Net loans and leases to core deposits | 55.6210% | 3,596 |
| Total domestic deposits to total assets | 95.0836% | 139 |
| Equity capital to assets | 3.4445% | 4,669 |
| Core capital (leverage) ratio | 8.7819% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4762% | 1,579 |
| Memoranda: | ||
| Average total assets | $98,240,333 | 4,009 |
| Average earning assets | $86,589,667 | 4,041 |
| Average equity | $6,066,667 | 4,405 |
| Average total loans | $45,971,333 | 4,029 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 1,411 |
| Cost of funding earning assets | 0.4665% | 591 |
| Net interest margin | 3.1684% | 1,976 |
| Noninterest income to average assets | 0.5718% | 1,814 |
| Noninterest expense to average assets | 2.9237% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3866% | 3,984 |
| Return on assets (ROA) | 0.3866% | 3,949 |
| Pretax return on assets | 0.4108% | 4,016 |
| Return on Equity (ROE) | 5.1575% | 3,578 |
| Retained earnings to average equity (ytd only) | 5.1575% | 2,528 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6812% | 651 |
| Assets per employee ($millions) | 5.0747% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,685 |
| Loan loss allowance to noncurrent loans | 265.5172% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 1,600 |
| Noncurrent loans to loans | 0.3797% | 2,132 |
| Net loans and leases to total assets | 47.0452% | 3,482 |
| Net loans and leases to deposits | 51.0477% | 3,642 |
| Net loans and leases to core deposits | 53.0780% | 3,657 |
| Total domestic deposits to total assets | 92.1593% | 515 |
| Equity capital to assets | 6.4229% | 4,457 |
| Core capital (leverage) ratio | 8.4741% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9283% | 1,535 |
| Memoranda: | ||
| Average total assets | $99,327,500 | 4,010 |
| Average earning assets | $86,606,000 | 4,059 |
| Average equity | $7,445,500 | 4,320 |
| Average total loans | $45,385,500 | 4,053 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 1,286 |
| Cost of funding earning assets | 0.5278% | 797 |
| Net interest margin | 3.5049% | 1,716 |
| Noninterest income to average assets | 0.4014% | 3,035 |
| Noninterest expense to average assets | 2.6536% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7698% | 3,422 |
| Return on assets (ROA) | 0.9336% | 2,992 |
| Pretax return on assets | 0.9775% | 3,323 |
| Return on Equity (ROE) | 10.3179% | 2,408 |
| Retained earnings to average equity (ytd only) | 5.7121% | 2,470 |
| Net charge-offs to loans | 0.0023% | 2,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 790.0000% | 191 |
| Efficiency ratio | 76.6824% | 1,053 |
| Assets per employee ($millions) | 5.1118% | 3,637 |
| Cash dividends to net income (ytd only)* | 44.6389% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,635 |
| Loan loss allowance to noncurrent loans | 265.5172% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,801 |
| Noncurrent loans to loans | 0.3871% | 2,197 |
| Net loans and leases to total assets | 43.5135% | 3,868 |
| Net loans and leases to deposits | 48.2720% | 3,981 |
| Net loans and leases to core deposits | 51.4158% | 3,935 |
| Total domestic deposits to total assets | 90.1423% | 892 |
| Equity capital to assets | 8.5078% | 4,044 |
| Core capital (leverage) ratio | 8.5384% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2591% | 1,200 |
| Memoranda: | ||
| Average total assets | $97,903,800 | 4,015 |
| Average earning assets | $85,451,400 | 4,065 |
| Average equity | $8,858,400 | 4,255 |
| Average total loans | $44,090,000 | 4,106 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 1,162 |
| Cost of funding earning assets | 0.5345% | 896 |
| Net interest margin | 3.6291% | 1,527 |
| Noninterest income to average assets | 0.4255% | 2,954 |
| Noninterest expense to average assets | 2.7252% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8671% | 3,332 |
| Return on assets (ROA) | 1.0672% | 2,730 |
| Pretax return on assets | 1.1182% | 3,164 |
| Return on Equity (ROE) | 11.6122% | 2,174 |
| Retained earnings to average equity (ytd only) | 6.9373% | 2,445 |
| Net charge-offs to loans | 0.0061% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 329.5000% | 410 |
| Efficiency ratio | 75.0190% | 1,123 |
| Assets per employee ($millions) | 5.2919% | 3,413 |
| Cash dividends to net income (ytd only)* | 40.2581% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,720 |
| Loan loss allowance to noncurrent loans | 261.9318% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,904 |
| Noncurrent loans to loans | 0.3956% | 2,376 |
| Net loans and leases to total assets | 46.2233% | 3,774 |
| Net loans and leases to deposits | 51.9927% | 3,885 |
| Net loans and leases to core deposits | 55.6961% | 3,798 |
| Total domestic deposits to total assets | 88.9035% | 1,341 |
| Equity capital to assets | 9.5533% | 3,329 |
| Core capital (leverage) ratio | 8.4283% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9209% | 1,144 |
| Memoranda: | ||
| Average total assets | $96,821,000 | 4,070 |
| Average earning assets | $85,566,000 | 4,114 |
| Average equity | $8,898,500 | 4,315 |
| Average total loans | $43,875,500 | 4,167 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 1,335 |
| Cost of funding earning assets | 0.5527% | 927 |
| Net interest margin | 3.5534% | 1,699 |
| Noninterest income to average assets | 0.3863% | 3,178 |
| Noninterest expense to average assets | 2.5621% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8619% | 3,326 |
| Return on assets (ROA) | 1.1156% | 2,551 |
| Pretax return on assets | 1.1691% | 2,996 |
| Return on Equity (ROE) | 12.2971% | 1,949 |
| Retained earnings to average equity (ytd only) | 6.3184% | 2,684 |
| Net charge-offs to loans | 0.0092% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 219.5000% | 473 |
| Efficiency ratio | 73.9620% | 1,246 |
| Assets per employee ($millions) | 4.9054% | 3,742 |
| Cash dividends to net income (ytd only)* | 48.6188% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,667 |
| Loan loss allowance to noncurrent loans | 160.6272% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 1,722 |
| Noncurrent loans to loans | 0.6489% | 1,792 |
| Net loans and leases to total assets | 44.6156% | 3,999 |
| Net loans and leases to deposits | 49.8122% | 4,124 |
| Net loans and leases to core deposits | 53.0519% | 4,081 |
| Total domestic deposits to total assets | 89.5675% | 992 |
| Equity capital to assets | 8.9647% | 3,825 |
| Core capital (leverage) ratio | 8.2023% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6929% | 1,192 |
| Memoranda: | ||
| Average total assets | $97,343,000 | 4,090 |
| Average earning assets | $84,313,000 | 4,151 |
| Average equity | $8,831,333 | 4,342 |
| Average total loans | $43,670,333 | 4,203 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 1,395 |
| Cost of funding earning assets | 0.5921% | 907 |
| Net interest margin | 3.5038% | 1,811 |
| Noninterest income to average assets | 0.3548% | 3,312 |
| Noninterest expense to average assets | 2.5701% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6986% | 3,707 |
| Return on assets (ROA) | 1.1180% | 2,494 |
| Pretax return on assets | 1.1799% | 2,900 |
| Return on Equity (ROE) | 12.2493% | 1,924 |
| Retained earnings to average equity (ytd only) | 12.2493% | 1,086 |
| Net charge-offs to loans | -0.0277% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6808% | 977 |
| Assets per employee ($millions) | 4.7014% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,513 |
| Loan loss allowance to noncurrent loans | 159.5890% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 1,925 |
| Noncurrent loans to loans | 0.6784% | 1,890 |
| Net loans and leases to total assets | 43.1227% | 4,170 |
| Net loans and leases to deposits | 47.9799% | 4,265 |
| Net loans and leases to core deposits | 51.0541% | 4,240 |
| Total domestic deposits to total assets | 89.8764% | 877 |
| Equity capital to assets | 8.7218% | 3,943 |
| Core capital (leverage) ratio | 8.1609% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8332% | 1,351 |
| Memoranda: | ||
| Average total assets | $96,961,000 | 4,109 |
| Average earning assets | $81,740,500 | 4,197 |
| Average equity | $8,849,500 | 4,350 |
| Average total loans | $43,389,500 | 4,228 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,196 |
| Cost of funding earning assets | 0.7682% | 1,355 |
| Net interest margin | 3.7784% | 1,562 |
| Noninterest income to average assets | 0.4300% | 2,960 |
| Noninterest expense to average assets | 3.0283% | 1,378 |
| Loan and lease loss provision to assets | 0.0454% | 3,832 |
| Net operating income to assets | 0.6045% | 3,743 |
| Return on assets (ROA) | 1.0075% | 2,411 |
| Pretax return on assets | 1.0518% | 2,874 |
| Return on Equity (ROE) | 10.5682% | 1,786 |
| Retained earnings to average equity (ytd only) | 7.9975% | 1,054 |
| Net charge-offs to loans | -0.0153% | 4,357 |
| Credit loss provision to net charge-offs | -571.4286% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7208% | 765 |
| Assets per employee ($millions) | 4.7596% | 3,649 |
| Cash dividends to net income (ytd only)* | 24.3243% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,642 |
| Loan loss allowance to noncurrent loans | 31.8213% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7806% | 350 |
| Noncurrent loans to loans | 3.3266% | 230 |
| Net loans and leases to total assets | 45.4608% | 4,164 |
| Net loans and leases to deposits | 51.1017% | 4,262 |
| Net loans and leases to core deposits | 55.5142% | 4,176 |
| Total domestic deposits to total assets | 88.9613% | 1,001 |
| Equity capital to assets | 9.5470% | 3,563 |
| Core capital (leverage) ratio | 8.4802% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,136,400 | 4,138 |
| Average earning assets | $76,408,000 | 4,210 |
| Average equity | $8,402,600 | 4,379 |
| Average total loans | $45,770,400 | 4,190 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,080 |
| Cost of funding earning assets | 0.8153% | 1,416 |
| Net interest margin | 3.8798% | 1,406 |
| Noninterest income to average assets | 0.4878% | 2,664 |
| Noninterest expense to average assets | 3.2293% | 1,020 |
| Loan and lease loss provision to assets | 0.0313% | 3,942 |
| Net operating income to assets | 0.5810% | 3,826 |
| Return on assets (ROA) | 1.1207% | 2,031 |
| Pretax return on assets | 1.1747% | 2,472 |
| Return on Equity (ROE) | 11.7598% | 1,440 |
| Retained earnings to average equity (ytd only) | 10.2048% | 719 |
| Net charge-offs to loans | 0.0115% | 2,692 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 103.2500% | 774 |
| Efficiency ratio | 83.5130% | 640 |
| Assets per employee ($millions) | 4.6336% | 3,677 |
| Cash dividends to net income (ytd only)* | 13.2231% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 3,957 |
| Loan loss allowance to noncurrent loans | 45.2356% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 663 |
| Noncurrent loans to loans | 2.0654% | 582 |
| Net loans and leases to total assets | 52.0292% | 3,963 |
| Net loans and leases to deposits | 59.0185% | 4,117 |
| Net loans and leases to core deposits | 62.6133% | 4,071 |
| Total domestic deposits to total assets | 88.1575% | 1,145 |
| Equity capital to assets | 10.1478% | 3,105 |
| Core capital (leverage) ratio | 8.5577% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3406% | 1,413 |
| Memoranda: | ||
| Average total assets | $86,372,500 | 4,170 |
| Average earning assets | $75,224,500 | 4,230 |
| Average equity | $8,231,250 | 4,416 |
| Average total loans | $46,278,500 | 4,200 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,457 |
| Cost of funding earning assets | 0.8512% | 1,596 |
| Net interest margin | 3.8251% | 1,761 |
| Noninterest income to average assets | 0.5057% | 2,539 |
| Noninterest expense to average assets | 3.2581% | 1,065 |
| Loan and lease loss provision to assets | 0.0466% | 3,717 |
| Net operating income to assets | 0.5281% | 3,936 |
| Return on assets (ROA) | 0.9975% | 2,463 |
| Pretax return on assets | 1.0464% | 2,884 |
| Return on Equity (ROE) | 10.7040% | 1,740 |
| Retained earnings to average equity (ytd only) | 8.3031% | 1,224 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4713% | 611 |
| Assets per employee ($millions) | 4.5186% | 3,762 |
| Cash dividends to net income (ytd only)* | 22.4299% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 3,924 |
| Loan loss allowance to noncurrent loans | 108.1886% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 1,706 |
| Noncurrent loans to loans | 0.8484% | 1,790 |
| Net loans and leases to total assets | 52.0820% | 4,026 |
| Net loans and leases to deposits | 58.7053% | 4,179 |
| Net loans and leases to core deposits | 62.7719% | 4,140 |
| Total domestic deposits to total assets | 88.7176% | 856 |
| Equity capital to assets | 9.6480% | 3,525 |
| Core capital (leverage) ratio | 8.3939% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4417% | 1,650 |
| Memoranda: | ||
| Average total assets | $85,817,000 | 4,182 |
| Average earning assets | $75,187,667 | 4,231 |
| Average equity | $7,997,000 | 4,453 |
| Average total loans | $46,292,000 | 4,209 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 1,660 |
| Cost of funding earning assets | 0.9014% | 1,858 |
| Net interest margin | 3.8162% | 1,913 |
| Noninterest income to average assets | 0.5794% | 2,135 |
| Noninterest expense to average assets | 3.3373% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6002% | 3,591 |
| Return on assets (ROA) | 0.9864% | 2,323 |
| Pretax return on assets | 1.0294% | 2,741 |
| Return on Equity (ROE) | 10.7910% | 1,474 |
| Retained earnings to average equity (ytd only) | 10.7910% | 599 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1787% | 816 |
| Assets per employee ($millions) | 4.2559% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,071 |
| Loan loss allowance to noncurrent loans | 184.0708% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,320 |
| Noncurrent loans to loans | 0.4947% | 2,782 |
| Net loans and leases to total assets | 53.1809% | 4,048 |
| Net loans and leases to deposits | 59.2448% | 4,232 |
| Net loans and leases to core deposits | 63.4929% | 4,197 |
| Total domestic deposits to total assets | 89.7647% | 396 |
| Equity capital to assets | 8.6434% | 4,774 |
| Core capital (leverage) ratio | 8.6663% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9949% | 1,602 |
| Memoranda: | ||
| Average total assets | $83,540,000 | 4,218 |
| Average earning assets | $74,105,500 | 4,257 |
| Average equity | $7,636,000 | 4,533 |
| Average total loans | $45,686,500 | 4,235 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 2,261 |
| Cost of funding earning assets | 0.8996% | 2,192 |
| Net interest margin | 3.8235% | 2,428 |
| Noninterest income to average assets | 0.6623% | 1,955 |
| Noninterest expense to average assets | 3.2540% | 1,399 |
| Loan and lease loss provision to assets | 0.0249% | 3,519 |
| Net operating income to assets | 0.8171% | 3,504 |
| Return on assets (ROA) | 0.8431% | 3,497 |
| Pretax return on assets | 0.8830% | 3,785 |
| Return on Equity (ROE) | 9.1317% | 2,695 |
| Retained earnings to average equity (ytd only) | 4.2687% | 2,824 |
| Net charge-offs to loans | 0.0637% | 2,187 |
| Credit loss provision to net charge-offs | 71.4286% | 2,895 |
| Earnings coverage of net charge-offs (x) | 25.2143% | 1,740 |
| Efficiency ratio | 78.7029% | 1,062 |
| Assets per employee ($millions) | 3.5636% | 4,418 |
| Cash dividends to net income (ytd only)* | 53.2544% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 3,912 |
| Loan loss allowance to noncurrent loans | 217.8010% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,283 |
| Noncurrent loans to loans | 0.4180% | 2,944 |
| Net loans and leases to total assets | 55.2383% | 3,978 |
| Net loans and leases to deposits | 63.5216% | 4,104 |
| Net loans and leases to core deposits | 68.1165% | 4,075 |
| Total domestic deposits to total assets | 86.9600% | 1,631 |
| Equity capital to assets | 9.6568% | 4,214 |
| Core capital (leverage) ratio | 8.6905% | 4,724 |
| Tier 1 risk-based capital ratio | 14.6265% | 2,944 |
| Total risk-based capital ratio | 15.4931% | 3,063 |
| Memoranda: | ||
| Average total assets | $80,177,800 | 4,281 |
| Average earning assets | $72,812,400 | 4,301 |
| Average equity | $7,402,800 | 4,587 |
| Average total loans | $43,932,800 | 4,309 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 2,355 |
| Cost of funding earning assets | 0.8934% | 2,263 |
| Net interest margin | 3.8286% | 2,507 |
| Noninterest income to average assets | 0.6020% | 2,195 |
| Noninterest expense to average assets | 3.1957% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8494% | 3,520 |
| Return on assets (ROA) | 0.8478% | 3,605 |
| Pretax return on assets | 0.8946% | 3,886 |
| Return on Equity (ROE) | 9.2921% | 2,764 |
| Retained earnings to average equity (ytd only) | 2.6943% | 4,015 |
| Net charge-offs to loans | 0.0858% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 19.1441% | 2,020 |
| Efficiency ratio | 78.0956% | 1,096 |
| Assets per employee ($millions) | 3.3204% | 4,655 |
| Cash dividends to net income (ytd only)* | 71.0065% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,054 |
| Loan loss allowance to noncurrent loans | 332.7731% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,688 |
| Noncurrent loans to loans | 0.2697% | 3,575 |
| Net loans and leases to total assets | 54.8721% | 4,109 |
| Net loans and leases to deposits | 61.9986% | 4,292 |
| Net loans and leases to core deposits | 66.0120% | 4,275 |
| Total domestic deposits to total assets | 88.5053% | 825 |
| Equity capital to assets | 9.6927% | 4,297 |
| Core capital (leverage) ratio | 8.2931% | 5,035 |
| Tier 1 risk-based capital ratio | 14.9156% | 2,893 |
| Total risk-based capital ratio | 15.7835% | 2,984 |
| Memoranda: | ||
| Average total assets | $79,731,500 | 4,346 |
| Average earning assets | $72,678,500 | 4,361 |
| Average equity | $7,274,750 | 4,661 |
| Average total loans | $43,493,250 | 4,374 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,409 |
| Cost of funding earning assets | 0.8732% | 2,283 |
| Net interest margin | 3.8123% | 2,547 |
| Noninterest income to average assets | 0.6195% | 2,069 |
| Noninterest expense to average assets | 3.1074% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9402% | 3,129 |
| Return on assets (ROA) | 0.9330% | 3,215 |
| Pretax return on assets | 0.9756% | 3,629 |
| Return on Equity (ROE) | 10.4421% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.7053% | 3,409 |
| Net charge-offs to loans | -0.0092% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9657% | 1,400 |
| Assets per employee ($millions) | 3.5873% | 4,389 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,844 |
| Loan loss allowance to noncurrent loans | 357.9832% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 2,719 |
| Noncurrent loans to loans | 0.2675% | 3,572 |
| Net loans and leases to total assets | 53.3912% | 4,256 |
| Net loans and leases to deposits | 59.9037% | 4,433 |
| Net loans and leases to core deposits | 63.6093% | 4,429 |
| Total domestic deposits to total assets | 89.1283% | 614 |
| Equity capital to assets | 9.1930% | 4,661 |
| Core capital (leverage) ratio | 8.4485% | 4,982 |
| Tier 1 risk-based capital ratio | 14.8236% | 2,907 |
| Total risk-based capital ratio | 15.7572% | 2,987 |
| Memoranda: | ||
| Average total assets | $79,745,670 | 4,374 |
| Average earning assets | $72,606,670 | 4,390 |
| Average equity | $7,125,000 | 4,707 |
| Average total loans | $43,283,330 | 4,412 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 2,196 |
| Cost of funding earning assets | 0.8465% | 2,289 |
| Net interest margin | 3.8625% | 2,301 |
| Noninterest income to average assets | 0.6840% | 1,668 |
| Noninterest expense to average assets | 3.0116% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1424% | 2,303 |
| Return on assets (ROA) | 1.1179% | 2,450 |
| Pretax return on assets | 1.1638% | 2,928 |
| Return on Equity (ROE) | 12.7049% | 1,322 |
| Retained earnings to average equity (ytd only) | 5.7433% | 2,571 |
| Net charge-offs to loans | -0.0094% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6889% | 2,082 |
| Assets per employee ($millions) | 3.4864% | 4,574 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,865 |
| Loan loss allowance to noncurrent loans | 248.5380% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 2,514 |
| Noncurrent loans to loans | 0.3909% | 3,184 |
| Net loans and leases to total assets | 54.0218% | 4,208 |
| Net loans and leases to deposits | 60.3556% | 4,390 |
| Net loans and leases to core deposits | 64.6195% | 4,351 |
| Total domestic deposits to total assets | 89.5059% | 639 |
| Equity capital to assets | 8.8717% | 4,770 |
| Core capital (leverage) ratio | 8.5371% | 4,987 |
| Tier 1 risk-based capital ratio | 15.0975% | 2,839 |
| Total risk-based capital ratio | 16.0491% | 2,899 |
| Memoranda: | ||
| Average total assets | $78,364,500 | 4,448 |
| Average earning assets | $71,352,500 | 4,458 |
| Average equity | $6,895,000 | 4,774 |
| Average total loans | $42,686,000 | 4,476 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 3,354 |
| Cost of funding earning assets | 0.7117% | 2,013 |
| Net interest margin | 3.5191% | 3,638 |
| Noninterest income to average assets | 0.6841% | 1,914 |
| Noninterest expense to average assets | 3.2302% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6971% | 4,145 |
| Return on assets (ROA) | 0.6639% | 4,254 |
| Pretax return on assets | 0.6610% | 4,514 |
| Return on Equity (ROE) | 7.5755% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.6350% | 4,086 |
| Net charge-offs to loans | 0.0055% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 240.5000% | 389 |
| Efficiency ratio | 82.3097% | 774 |
| Assets per employee ($millions) | 3.4791% | 4,564 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,413 |
| Loan loss allowance to noncurrent loans | 172.5989% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,169 |
| Noncurrent loans to loans | 0.8466% | 1,906 |
| Net loans and leases to total assets | 53.8326% | 4,291 |
| Net loans and leases to deposits | 60.0519% | 4,472 |
| Net loans and leases to core deposits | 63.5061% | 4,473 |
| Total domestic deposits to total assets | 89.6435% | 605 |
| Equity capital to assets | 8.7221% | 4,785 |
| Core capital (leverage) ratio | 9.3049% | 4,351 |
| Tier 1 risk-based capital ratio | 16.2891% | 2,316 |
| Total risk-based capital ratio | 17.5386% | 2,259 |
| Memoranda: | ||
| Average total assets | $69,284,400 | 4,593 |
| Average earning assets | $63,794,000 | 4,596 |
| Average equity | $6,072,200 | 4,883 |
| Average total loans | $36,235,800 | 4,649 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 3,687 |
| Cost of funding earning assets | 0.6536% | 2,130 |
| Net interest margin | 3.4301% | 3,922 |
| Noninterest income to average assets | 0.6462% | 2,093 |
| Noninterest expense to average assets | 2.8516% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9296% | 3,394 |
| Return on assets (ROA) | 0.9011% | 3,529 |
| Pretax return on assets | 0.9387% | 3,903 |
| Return on Equity (ROE) | 10.2678% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.6743% | 2,838 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6508% | 1,504 |
| Assets per employee ($millions) | 3.6467% | 4,375 |
| Cash dividends to net income (ytd only)* | 44.7367% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,576 |
| Loan loss allowance to noncurrent loans | 132.4444% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1726% | 1,203 |
| Noncurrent loans to loans | 1.0829% | 1,572 |
| Net loans and leases to total assets | 53.4866% | 4,394 |
| Net loans and leases to deposits | 61.0733% | 4,489 |
| Net loans and leases to core deposits | 64.0020% | 4,513 |
| Total domestic deposits to total assets | 87.5777% | 1,450 |
| Equity capital to assets | 8.5087% | 4,917 |
| Core capital (leverage) ratio | 9.3028% | 4,397 |
| Tier 1 risk-based capital ratio | 16.6564% | 2,219 |
| Total risk-based capital ratio | 17.9064% | 2,168 |
| Memoranda: | ||
| Average total assets | $67,470,250 | 4,670 |
| Average earning assets | $62,425,750 | 4,668 |
| Average equity | $5,921,250 | 4,962 |
| Average total loans | $34,841,000 | 4,739 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 4,675 |
| Cost of funding earning assets | 0.6150% | 2,134 |
| Net interest margin | 3.0415% | 4,819 |
| Noninterest income to average assets | 0.5401% | 2,630 |
| Noninterest expense to average assets | 2.4521% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8894% | 3,500 |
| Return on assets (ROA) | 0.8443% | 3,701 |
| Pretax return on assets | 0.8660% | 4,064 |
| Return on Equity (ROE) | 9.5055% | 2,798 |
| Retained earnings to average equity (ytd only) | 2.3764% | 4,324 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8782% | 1,867 |
| Assets per employee ($millions) | 9.9381% | 322 |
| Cash dividends to net income (ytd only)* | 75.0000% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,457 |
| Loan loss allowance to noncurrent loans | 226.3941% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 1,638 |
| Noncurrent loans to loans | 0.6541% | 2,473 |
| Net loans and leases to total assets | 50.9603% | 4,546 |
| Net loans and leases to deposits | 56.2652% | 4,736 |
| Net loans and leases to core deposits | 58.7214% | 4,756 |
| Total domestic deposits to total assets | 90.5717% | 375 |
| Equity capital to assets | 7.8498% | 5,277 |
| Core capital (leverage) ratio | 12.4602% | 1,461 |
| Tier 1 risk-based capital ratio | 15.1291% | 2,809 |
| Total risk-based capital ratio | 16.3786% | 2,736 |
| Memoranda: | ||
| Average total assets | $64,433,670 | 4,788 |
| Average earning assets | $59,839,000 | 4,770 |
| Average equity | $5,723,000 | 5,045 |
| Average total loans | $32,602,670 | 4,850 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,401 |
| Cost of funding earning assets | 0.6729% | 1,580 |
| Net interest margin | 3.3797% | 3,949 |
| Noninterest income to average assets | 0.3445% | 3,847 |
| Noninterest expense to average assets | 2.4887% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9960% | 2,872 |
| Return on assets (ROA) | 0.9420% | 3,117 |
| Pretax return on assets | 0.9772% | 3,611 |
| Return on Equity (ROE) | 9.8097% | 2,530 |
| Retained earnings to average equity (ytd only) | 1.9034% | 4,386 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6587% | 2,392 |
| Assets per employee ($millions) | 4.3121% | 3,463 |
| Cash dividends to net income (ytd only)* | 80.5970% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,451 |
| Loan loss allowance to noncurrent loans | 271.3376% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,630 |
| Noncurrent loans to loans | 0.5545% | 2,868 |
| Net loans and leases to total assets | 49.7494% | 4,579 |
| Net loans and leases to deposits | 56.3178% | 4,675 |
| Net loans and leases to core deposits | 58.4973% | 4,727 |
| Total domestic deposits to total assets | 88.3369% | 1,436 |
| Equity capital to assets | 9.4725% | 4,114 |
| Core capital (leverage) ratio | 10.4816% | 2,963 |
| Tier 1 risk-based capital ratio | 19.5569% | 1,426 |
| Total risk-based capital ratio | 20.8059% | 1,395 |
| Memoranda: | ||
| Average total assets | $56,898,000 | 4,982 |
| Average earning assets | $53,496,000 | 4,965 |
| Average equity | $5,464,000 | 5,141 |
| Average total loans | $28,341,500 | 5,012 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 3,957 |
| Cost of funding earning assets | 0.6073% | 1,547 |
| Net interest margin | 3.2199% | 4,394 |
| Noninterest income to average assets | 0.5783% | 2,568 |
| Noninterest expense to average assets | 2.8575% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7177% | 3,529 |
| Return on assets (ROA) | 0.7358% | 3,489 |
| Pretax return on assets | 0.7700% | 4,335 |
| Return on Equity (ROE) | 7.7643% | 2,907 |
| Retained earnings to average equity (ytd only) | 2.3473% | 3,918 |
| Net charge-offs to loans | -0.0699% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1844% | 1,201 |
| Assets per employee ($millions) | 4.8116% | 2,720 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,402 |
| Loan loss allowance to noncurrent loans | 560.5263% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 3,222 |
| Noncurrent loans to loans | 0.2679% | 3,827 |
| Net loans and leases to total assets | 48.3954% | 4,742 |
| Net loans and leases to deposits | 56.2052% | 4,790 |
| Net loans and leases to core deposits | 60.2570% | 4,745 |
| Total domestic deposits to total assets | 86.1047% | 2,388 |
| Equity capital to assets | 9.7300% | 3,992 |
| Core capital (leverage) ratio | 10.1894% | 3,208 |
| Tier 1 risk-based capital ratio | 19.1424% | 1,479 |
| Total risk-based capital ratio | 20.3929% | 1,448 |
| Memoranda: | ||
| Average total assets | $58,443,000 | 4,996 |
| Average earning assets | $55,001,800 | 4,976 |
| Average equity | $5,538,200 | 5,176 |
| Average total loans | $27,171,000 | 5,091 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 4,100 |
| Cost of funding earning assets | 0.5970% | 1,544 |
| Net interest margin | 3.1735% | 4,523 |
| Noninterest income to average assets | 0.5686% | 2,630 |
| Noninterest expense to average assets | 2.7090% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8085% | 3,489 |
| Return on assets (ROA) | 0.8325% | 3,410 |
| Pretax return on assets | 0.8712% | 4,137 |
| Return on Equity (ROE) | 8.8432% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.7545% | 4,257 |
| Net charge-offs to loans | -0.0943% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1996% | 1,562 |
| Assets per employee ($millions) | 4.8088% | 2,683 |
| Cash dividends to net income (ytd only)* | 68.8518% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,319 |
| Loan loss allowance to noncurrent loans | 284.0000% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 2,914 |
| Noncurrent loans to loans | 0.5512% | 3,044 |
| Net loans and leases to total assets | 46.4163% | 4,914 |
| Net loans and leases to deposits | 52.8690% | 5,011 |
| Net loans and leases to core deposits | 56.6004% | 4,966 |
| Total domestic deposits to total assets | 87.7950% | 1,471 |
| Equity capital to assets | 10.0319% | 3,875 |
| Core capital (leverage) ratio | 10.3005% | 3,199 |
| Tier 1 risk-based capital ratio | 19.7408% | 1,428 |
| Total risk-based capital ratio | 20.9902% | 1,385 |
| Memoranda: | ||
| Average total assets | $58,619,000 | 5,047 |
| Average earning assets | $55,163,750 | 5,026 |
| Average equity | $5,518,250 | 5,237 |
| Average total loans | $26,871,500 | 5,153 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,120 |
| Cost of funding earning assets | 0.5880% | 1,526 |
| Net interest margin | 3.1459% | 4,557 |
| Noninterest income to average assets | 0.5634% | 2,641 |
| Noninterest expense to average assets | 2.7120% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7747% | 3,520 |
| Return on assets (ROA) | 0.7909% | 3,495 |
| Pretax return on assets | 0.8282% | 4,170 |
| Return on Equity (ROE) | 8.5851% | 2,733 |
| Retained earnings to average equity (ytd only) | -0.7001% | 5,187 |
| Net charge-offs to loans | -0.1420% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9750% | 1,588 |
| Assets per employee ($millions) | 4.0805% | 3,830 |
| Cash dividends to net income (ytd only)* | 108.1545% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,309 |
| Loan loss allowance to noncurrent loans | 463.0435% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 3,349 |
| Noncurrent loans to loans | 0.3417% | 3,819 |
| Net loans and leases to total assets | 46.3809% | 4,930 |
| Net loans and leases to deposits | 53.1216% | 5,009 |
| Net loans and leases to core deposits | 56.9317% | 4,961 |
| Total domestic deposits to total assets | 87.3107% | 1,800 |
| Equity capital to assets | 10.0145% | 3,892 |
| Core capital (leverage) ratio | 9.9806% | 3,561 |
| Tier 1 risk-based capital ratio | 19.4641% | 1,484 |
| Total risk-based capital ratio | 20.7145% | 1,436 |
| Memoranda: | ||
| Average total assets | $58,923,330 | 5,079 |
| Average earning assets | $55,437,670 | 5,058 |
| Average equity | $5,428,000 | 5,284 |
| Average total loans | $26,758,330 | 5,195 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,323 |
| Cost of funding earning assets | 0.5831% | 1,492 |
| Net interest margin | 3.0507% | 4,788 |
| Noninterest income to average assets | 0.5015% | 2,970 |
| Noninterest expense to average assets | 2.6078% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7299% | 3,559 |
| Return on assets (ROA) | 0.7556% | 3,502 |
| Pretax return on assets | 0.7890% | 4,149 |
| Return on Equity (ROE) | 8.5582% | 2,642 |
| Retained earnings to average equity (ytd only) | -6.8920% | 5,483 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3810% | 1,710 |
| Assets per employee ($millions) | 4.5382% | 3,107 |
| Cash dividends to net income (ytd only)* | 180.5310% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 1,555 |
| Loan loss allowance to noncurrent loans | 437.6344% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 3,472 |
| Noncurrent loans to loans | 0.3510% | 3,841 |
| Net loans and leases to total assets | 44.2183% | 5,025 |
| Net loans and leases to deposits | 50.1499% | 5,125 |
| Net loans and leases to core deposits | 53.5865% | 5,083 |
| Total domestic deposits to total assets | 88.1721% | 1,609 |
| Equity capital to assets | 8.9633% | 4,841 |
| Core capital (leverage) ratio | 9.4474% | 4,180 |
| Tier 1 risk-based capital ratio | 19.3106% | 1,534 |
| Total risk-based capital ratio | 20.5601% | 1,508 |
| Memoranda: | ||
| Average total assets | $59,821,500 | 5,116 |
| Average earning assets | $56,249,000 | 5,093 |
| Average equity | $5,281,500 | 5,362 |
| Average total loans | $26,676,500 | 5,248 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,293 |
| Cost of funding earning assets | 0.6109% | 1,270 |
| Net interest margin | 3.0653% | 4,810 |
| Noninterest income to average assets | 0.5557% | 2,883 |
| Noninterest expense to average assets | 2.6963% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7000% | 3,782 |
| Return on assets (ROA) | 0.7096% | 3,858 |
| Pretax return on assets | 0.7414% | 4,370 |
| Return on Equity (ROE) | 7.3010% | 3,314 |
| Retained earnings to average equity (ytd only) | -2.2041% | 5,550 |
| Net charge-offs to loans | -0.0151% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6621% | 1,598 |
| Assets per employee ($millions) | 4.6652% | 2,854 |
| Cash dividends to net income (ytd only)* | 130.1887% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 1,615 |
| Loan loss allowance to noncurrent loans | 357.0175% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,455 |
| Noncurrent loans to loans | 0.4244% | 3,620 |
| Net loans and leases to total assets | 43.6163% | 5,135 |
| Net loans and leases to deposits | 48.8044% | 5,256 |
| Net loans and leases to core deposits | 52.0033% | 5,227 |
| Total domestic deposits to total assets | 89.3696% | 913 |
| Equity capital to assets | 8.6979% | 5,106 |
| Core capital (leverage) ratio | 9.3885% | 4,235 |
| Tier 1 risk-based capital ratio | 19.3191% | 1,520 |
| Total risk-based capital ratio | 20.5695% | 1,481 |
| Memoranda: | ||
| Average total assets | $59,748,800 | 5,150 |
| Average earning assets | $55,980,600 | 5,125 |
| Average equity | $5,807,400 | 5,310 |
| Average total loans | $26,556,200 | 5,305 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,334 |
| Cost of funding earning assets | 0.6028% | 1,299 |
| Net interest margin | 3.0717% | 4,855 |
| Noninterest income to average assets | 0.5846% | 2,734 |
| Noninterest expense to average assets | 2.6118% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8128% | 3,307 |
| Return on assets (ROA) | 0.8064% | 3,479 |
| Pretax return on assets | 0.8422% | 4,180 |
| Return on Equity (ROE) | 8.0800% | 2,964 |
| Retained earnings to average equity (ytd only) | -4.3092% | 5,708 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4693% | 2,041 |
| Assets per employee ($millions) | 4.9749% | 2,397 |
| Cash dividends to net income (ytd only)* | 153.3324% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,705 |
| Loan loss allowance to noncurrent loans | 110.7143% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 2,356 |
| Noncurrent loans to loans | 1.3700% | 1,610 |
| Net loans and leases to total assets | 43.8299% | 5,205 |
| Net loans and leases to deposits | 49.6339% | 5,314 |
| Net loans and leases to core deposits | 52.9816% | 5,268 |
| Total domestic deposits to total assets | 88.3063% | 1,234 |
| Equity capital to assets | 10.0320% | 4,102 |
| Core capital (leverage) ratio | 9.3351% | 4,409 |
| Tier 1 risk-based capital ratio | 19.4786% | 1,557 |
| Total risk-based capital ratio | 20.7294% | 1,515 |
| Memoranda: | ||
| Average total assets | $59,524,250 | 5,196 |
| Average earning assets | $55,733,750 | 5,179 |
| Average equity | $5,940,500 | 5,341 |
| Average total loans | $26,480,500 | 5,361 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 4,388 |
| Cost of funding earning assets | 0.5858% | 1,428 |
| Net interest margin | 3.0837% | 4,875 |
| Noninterest income to average assets | 0.5852% | 2,694 |
| Noninterest expense to average assets | 2.6603% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7765% | 3,419 |
| Return on assets (ROA) | 0.7668% | 3,612 |
| Pretax return on assets | 0.8005% | 4,275 |
| Return on Equity (ROE) | 7.6971% | 3,148 |
| Retained earnings to average equity (ytd only) | -6.8869% | 5,814 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6473% | 1,987 |
| Assets per employee ($millions) | 4.7176% | 2,680 |
| Cash dividends to net income (ytd only)* | 189.4737% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,914 |
| Loan loss allowance to noncurrent loans | 491.4634% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 3,915 |
| Noncurrent loans to loans | 0.3024% | 4,288 |
| Net loans and leases to total assets | 43.5618% | 5,254 |
| Net loans and leases to deposits | 49.1537% | 5,375 |
| Net loans and leases to core deposits | 52.8799% | 5,328 |
| Total domestic deposits to total assets | 88.6237% | 1,101 |
| Equity capital to assets | 9.7849% | 4,468 |
| Core capital (leverage) ratio | 9.2560% | 4,512 |
| Tier 1 risk-based capital ratio | 19.1675% | 1,657 |
| Total risk-based capital ratio | 20.4176% | 1,621 |
| Memoranda: | ||
| Average total assets | $59,466,000 | 5,251 |
| Average earning assets | $55,646,670 | 5,231 |
| Average equity | $5,924,330 | 5,399 |
| Average total loans | $26,451,000 | 5,420 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 3,973 |
| Cost of funding earning assets | 0.5574% | 1,644 |
| Net interest margin | 3.2344% | 4,458 |
| Noninterest income to average assets | 0.6082% | 2,476 |
| Noninterest expense to average assets | 2.7061% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8810% | 2,848 |
| Return on assets (ROA) | 0.8679% | 3,024 |
| Pretax return on assets | 0.9020% | 3,837 |
| Return on Equity (ROE) | 8.6306% | 2,590 |
| Retained earnings to average equity (ytd only) | -20.7271% | 5,972 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7170% | 2,371 |
| Assets per employee ($millions) | 4.5572% | 2,972 |
| Cash dividends to net income (ytd only)* | 340.1575% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,886 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 4,216 |
| Noncurrent loans to loans | 0.1476% | 4,883 |
| Net loans and leases to total assets | 43.9259% | 5,242 |
| Net loans and leases to deposits | 50.5036% | 5,315 |
| Net loans and leases to core deposits | 54.5567% | 5,209 |
| Total domestic deposits to total assets | 86.9757% | 2,221 |
| Equity capital to assets | 9.7463% | 4,402 |
| Core capital (leverage) ratio | 9.6603% | 3,956 |
| Tier 1 risk-based capital ratio | 19.6049% | 1,587 |
| Total risk-based capital ratio | 20.8544% | 1,554 |
| Memoranda: | ||
| Average total assets | $58,534,500 | 5,326 |
| Average earning assets | $54,538,000 | 5,306 |
| Average equity | $5,886,000 | 5,439 |
| Average total loans | $26,117,000 | 5,480 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 3,874 |
| Cost of funding earning assets | 0.5662% | 1,621 |
| Net interest margin | 3.2860% | 4,350 |
| Noninterest income to average assets | 0.9107% | 1,408 |
| Noninterest expense to average assets | 2.8105% | 3,184 |
| Loan and lease loss provision to assets | -0.1741% | 5,957 |
| Net operating income to assets | 1.3185% | 1,227 |
| Return on assets (ROA) | 1.3669% | 1,156 |
| Pretax return on assets | 1.4174% | 1,829 |
| Return on Equity (ROE) | 13.6351% | 923 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,356 |
| Net charge-offs to loans | 0.0038% | 4,317 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 95 |
| Efficiency ratio | 70.2044% | 3,190 |
| Assets per employee ($millions) | 4.4482% | 3,126 |
| Cash dividends to net income (ytd only)* | 62.6752% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,770 |
| Loan loss allowance to noncurrent loans | 855.3191% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 4,093 |
| Noncurrent loans to loans | 0.1821% | 4,765 |
| Net loans and leases to total assets | 43.9353% | 5,283 |
| Net loans and leases to deposits | 50.3189% | 5,374 |
| Net loans and leases to core deposits | 54.4469% | 5,283 |
| Total domestic deposits to total assets | 87.3137% | 1,977 |
| Equity capital to assets | 10.3725% | 3,537 |
| Core capital (leverage) ratio | 10.2271% | 3,228 |
| Tier 1 risk-based capital ratio | 21.0453% | 1,291 |
| Total risk-based capital ratio | 22.2960% | 1,268 |
| Memoranda: | ||
| Average total assets | $57,427,200 | 5,372 |
| Average earning assets | $54,047,800 | 5,342 |
| Average equity | $5,757,200 | 5,492 |
| Average total loans | $26,092,200 | 5,516 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 3,787 |
| Cost of funding earning assets | 0.5703% | 1,627 |
| Net interest margin | 3.3157% | 4,279 |
| Noninterest income to average assets | 0.9675% | 1,268 |
| Noninterest expense to average assets | 2.6793% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3516% | 1,226 |
| Return on assets (ROA) | 1.4164% | 1,117 |
| Pretax return on assets | 1.4792% | 1,736 |
| Return on Equity (ROE) | 14.2528% | 852 |
| Retained earnings to average equity (ytd only) | 2.7383% | 4,471 |
| Net charge-offs to loans | 0.0051% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 608.5038% | 123 |
| Efficiency ratio | 65.4918% | 3,973 |
| Assets per employee ($millions) | 4.0159% | 3,850 |
| Cash dividends to net income (ytd only)* | 80.7877% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 965 |
| Loan loss allowance to noncurrent loans | 4,563.6364% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 4,219 |
| Noncurrent loans to loans | 0.0431% | 5,446 |
| Net loans and leases to total assets | 44.5334% | 5,324 |
| Net loans and leases to deposits | 51.0199% | 5,419 |
| Net loans and leases to core deposits | 55.3338% | 5,342 |
| Total domestic deposits to total assets | 87.2863% | 1,900 |
| Equity capital to assets | 10.2983% | 3,821 |
| Core capital (leverage) ratio | 10.1005% | 3,498 |
| Tier 1 risk-based capital ratio | 20.9446% | 1,352 |
| Total risk-based capital ratio | 22.1983% | 1,325 |
| Memoranda: | ||
| Average total assets | $57,327,500 | 5,445 |
| Average earning assets | $54,003,750 | 5,407 |
| Average equity | $5,697,000 | 5,573 |
| Average total loans | $26,163,250 | 5,579 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,587 |
| Cost of funding earning assets | 0.5710% | 1,641 |
| Net interest margin | 3.3562% | 4,078 |
| Noninterest income to average assets | 0.7210% | 2,127 |
| Noninterest expense to average assets | 2.6137% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2137% | 1,558 |
| Return on assets (ROA) | 1.3069% | 1,364 |
| Pretax return on assets | 1.3623% | 2,139 |
| Return on Equity (ROE) | 13.3074% | 1,054 |
| Retained earnings to average equity (ytd only) | 2.7180% | 4,332 |
| Net charge-offs to loans | 0.0152% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 182.5000% | 367 |
| Efficiency ratio | 67.3816% | 3,771 |
| Assets per employee ($millions) | 4.0431% | 3,792 |
| Cash dividends to net income (ytd only)* | 79.5756% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 1,235 |
| Loan loss allowance to noncurrent loans | 1,024.4898% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 4,081 |
| Noncurrent loans to loans | 0.1821% | 5,048 |
| Net loans and leases to total assets | 46.6469% | 5,202 |
| Net loans and leases to deposits | 52.8080% | 5,331 |
| Net loans and leases to core deposits | 55.9715% | 5,311 |
| Total domestic deposits to total assets | 88.3330% | 1,477 |
| Equity capital to assets | 10.0205% | 4,015 |
| Core capital (leverage) ratio | 9.7661% | 3,922 |
| Tier 1 risk-based capital ratio | 18.5298% | 1,912 |
| Total risk-based capital ratio | 19.7831% | 1,874 |
| Memoranda: | ||
| Average total assets | $57,695,670 | 5,496 |
| Average earning assets | $54,288,000 | 5,455 |
| Average equity | $5,666,000 | 5,631 |
| Average total loans | $26,371,000 | 5,618 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,552 |
| Cost of funding earning assets | 0.5640% | 1,714 |
| Net interest margin | 3.3474% | 4,032 |
| Noninterest income to average assets | 0.7555% | 1,884 |
| Noninterest expense to average assets | 2.6716% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1741% | 1,619 |
| Return on assets (ROA) | 1.1676% | 1,745 |
| Pretax return on assets | 1.2156% | 2,608 |
| Return on Equity (ROE) | 12.0078% | 1,350 |
| Retained earnings to average equity (ytd only) | -9.1824% | 6,111 |
| Net charge-offs to loans | 0.0306% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 536 |
| Efficiency ratio | 68.6067% | 3,724 |
| Assets per employee ($millions) | 4.5664% | 2,944 |
| Cash dividends to net income (ytd only)* | 176.4706% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 1,265 |
| Loan loss allowance to noncurrent loans | 1,287.1795% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 4,335 |
| Noncurrent loans to loans | 0.1485% | 5,242 |
| Net loans and leases to total assets | 43.4075% | 5,392 |
| Net loans and leases to deposits | 50.1821% | 5,450 |
| Net loans and leases to core deposits | 53.1025% | 5,418 |
| Total domestic deposits to total assets | 86.5000% | 2,667 |
| Equity capital to assets | 9.4790% | 4,770 |
| Core capital (leverage) ratio | 9.4058% | 4,423 |
| Tier 1 risk-based capital ratio | 19.4167% | 1,759 |
| Total risk-based capital ratio | 20.6702% | 1,715 |
| Memoranda: | ||
| Average total assets | $58,241,500 | 5,539 |
| Average earning assets | $54,610,000 | 5,501 |
| Average equity | $5,663,000 | 5,688 |
| Average total loans | $26,103,500 | 5,671 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,095 |
| Cost of funding earning assets | 0.5867% | 1,888 |
| Net interest margin | 3.3222% | 4,507 |
| Noninterest income to average assets | 0.9888% | 1,238 |
| Noninterest expense to average assets | 2.5681% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4668% | 939 |
| Return on assets (ROA) | 1.4919% | 930 |
| Pretax return on assets | 1.5531% | 1,373 |
| Return on Equity (ROE) | 16.6751% | 531 |
| Retained earnings to average equity (ytd only) | 16.2065% | 121 |
| Net charge-offs to loans | -0.4423% | 6,378 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7133% | 4,794 |
| Assets per employee ($millions) | 4.3938% | 3,202 |
| Cash dividends to net income (ytd only)* | 2.8103% | 4,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 1,214 |
| Loan loss allowance to noncurrent loans | 614.6341% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 4,164 |
| Noncurrent loans to loans | 0.3162% | 4,712 |
| Net loans and leases to total assets | 44.5256% | 5,432 |
| Net loans and leases to deposits | 52.0741% | 5,475 |
| Net loans and leases to core deposits | 54.0944% | 5,498 |
| Total domestic deposits to total assets | 85.5042% | 3,078 |
| Equity capital to assets | 9.9772% | 4,139 |
| Core capital (leverage) ratio | 9.8597% | 3,762 |
| Tier 1 risk-based capital ratio | 20.2737% | 1,538 |
| Total risk-based capital ratio | 21.5304% | 1,508 |
| Memoranda: | ||
| Average total assets | $57,241,600 | 5,621 |
| Average earning assets | $53,518,400 | 5,578 |
| Average equity | $5,121,400 | 5,825 |
| Average total loans | $25,324,600 | 5,769 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,187 |
| Cost of funding earning assets | 0.5897% | 1,929 |
| Net interest margin | 3.3067% | 4,579 |
| Noninterest income to average assets | 1.1663% | 885 |
| Noninterest expense to average assets | 2.7168% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4910% | 958 |
| Return on assets (ROA) | 1.5248% | 929 |
| Pretax return on assets | 1.5784% | 1,397 |
| Return on Equity (ROE) | 17.5469% | 487 |
| Retained earnings to average equity (ytd only) | 16.9040% | 142 |
| Net charge-offs to loans | 0.0106% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 331.0787% | 216 |
| Efficiency ratio | 63.7705% | 4,587 |
| Assets per employee ($millions) | 4.3060% | 3,288 |
| Cash dividends to net income (ytd only)* | 3.6642% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 2,316 |
| Loan loss allowance to noncurrent loans | 661.0169% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 4,253 |
| Noncurrent loans to loans | 0.2414% | 5,176 |
| Net loans and leases to total assets | 42.9687% | 5,599 |
| Net loans and leases to deposits | 48.4910% | 5,736 |
| Net loans and leases to core deposits | 50.3411% | 5,773 |
| Total domestic deposits to total assets | 88.6116% | 1,442 |
| Equity capital to assets | 9.6788% | 4,574 |
| Core capital (leverage) ratio | 9.4962% | 4,379 |
| Tier 1 risk-based capital ratio | 20.5270% | 1,546 |
| Total risk-based capital ratio | 21.7782% | 1,512 |
| Memoranda: | ||
| Average total assets | $57,272,000 | 5,681 |
| Average earning assets | $53,587,750 | 5,646 |
| Average equity | $4,977,000 | 5,920 |
| Average total loans | $25,171,500 | 5,834 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 4,352 |
| Cost of funding earning assets | 0.5808% | 2,065 |
| Net interest margin | 3.2627% | 4,726 |
| Noninterest income to average assets | 1.3899% | 625 |
| Noninterest expense to average assets | 2.6862% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7032% | 574 |
| Return on assets (ROA) | 1.7469% | 566 |
| Pretax return on assets | 1.8058% | 833 |
| Return on Equity (ROE) | 20.8696% | 247 |
| Retained earnings to average equity (ytd only) | 19.8758% | 85 |
| Net charge-offs to loans | -0.0315% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4053% | 5,233 |
| Assets per employee ($millions) | 4.1250% | 3,602 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 2,712 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 4,096 |
| Noncurrent loans to loans | 0.3504% | 4,955 |
| Net loans and leases to total assets | 43.7957% | 5,550 |
| Net loans and leases to deposits | 49.7845% | 5,646 |
| Net loans and leases to core deposits | 50.6032% | 5,761 |
| Total domestic deposits to total assets | 87.9706% | 1,914 |
| Equity capital to assets | 9.1255% | 5,178 |
| Core capital (leverage) ratio | 9.0636% | 4,922 |
| Tier 1 risk-based capital ratio | 19.0330% | 1,917 |
| Total risk-based capital ratio | 20.2841% | 1,880 |
| Memoranda: | ||
| Average total assets | $57,703,330 | 5,720 |
| Average earning assets | $54,065,330 | 5,685 |
| Average equity | $4,830,000 | 5,997 |
| Average total loans | $25,414,330 | 5,859 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 4,145 |
| Cost of funding earning assets | 0.5772% | 2,176 |
| Net interest margin | 3.3078% | 4,504 |
| Noninterest income to average assets | 1.6019% | 477 |
| Noninterest expense to average assets | 2.7947% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8670% | 427 |
| Return on assets (ROA) | 1.9417% | 391 |
| Pretax return on assets | 1.9834% | 550 |
| Return on Equity (ROE) | 24.2950% | 139 |
| Retained earnings to average equity (ytd only) | 22.2126% | 82 |
| Net charge-offs to loans | -0.0158% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4395% | 5,484 |
| Assets per employee ($millions) | 4.1805% | 3,571 |
| Cash dividends to net income (ytd only)* | 8.5714% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,058 |
| Loan loss allowance to noncurrent loans | 553.5211% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 4,241 |
| Noncurrent loans to loans | 0.2748% | 5,283 |
| Net loans and leases to total assets | 43.4688% | 5,560 |
| Net loans and leases to deposits | 48.1874% | 5,718 |
| Net loans and leases to core deposits | 49.2327% | 5,810 |
| Total domestic deposits to total assets | 90.2079% | 964 |
| Equity capital to assets | 8.2406% | 5,877 |
| Core capital (leverage) ratio | 8.6634% | 5,437 |
| Tier 1 risk-based capital ratio | 17.9989% | 2,296 |
| Total risk-based capital ratio | 19.2523% | 2,275 |
| Memoranda: | ||
| Average total assets | $57,680,000 | 5,774 |
| Average earning assets | $54,053,500 | 5,734 |
| Average equity | $4,610,000 | 6,095 |
| Average total loans | $25,277,500 | 5,926 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5934% | 5,418 |
| Cost of funding earning assets | 0.6464% | 2,233 |
| Net interest margin | 2.9470% | 5,689 |
| Noninterest income to average assets | 0.5029% | 3,737 |
| Noninterest expense to average assets | 2.8302% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3866% | 5,186 |
| Return on assets (ROA) | 0.3899% | 5,286 |
| Pretax return on assets | 0.4111% | 5,472 |
| Return on Equity (ROE) | 4.8640% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.7539% | 2,767 |
| Net charge-offs to loans | -0.1619% | 6,587 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4114% | 1,281 |
| Assets per employee ($millions) | 4.3718% | 3,133 |
| Cash dividends to net income (ytd only)* | 2.2624% | 4,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 2,814 |
| Loan loss allowance to noncurrent loans | 768.6275% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 4,383 |
| Noncurrent loans to loans | 0.2063% | 5,569 |
| Net loans and leases to total assets | 42.8079% | 5,764 |
| Net loans and leases to deposits | 48.1391% | 5,886 |
| Net loans and leases to core deposits | 49.4311% | 5,969 |
| Total domestic deposits to total assets | 88.9254% | 1,678 |
| Equity capital to assets | 7.7367% | 6,168 |
| Core capital (leverage) ratio | 8.3054% | 5,868 |
| Tier 1 risk-based capital ratio | 17.9435% | 2,258 |
| Total risk-based capital ratio | 19.1961% | 2,226 |
| Memoranda: | ||
| Average total assets | $56,675,400 | 5,844 |
| Average earning assets | $52,596,000 | 5,816 |
| Average equity | $4,543,600 | 6,190 |
| Average total loans | $24,081,800 | 6,029 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 5,649 |
| Cost of funding earning assets | 0.6558% | 2,313 |
| Net interest margin | 2.8595% | 5,897 |
| Noninterest income to average assets | 0.4449% | 4,193 |
| Noninterest expense to average assets | 2.8203% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2567% | 5,763 |
| Return on assets (ROA) | 0.2590% | 5,857 |
| Pretax return on assets | 0.2754% | 5,924 |
| Return on Equity (ROE) | 3.2020% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.0566% | 4,488 |
| Net charge-offs to loans | -0.1839% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1720% | 908 |
| Assets per employee ($millions) | 4.0726% | 3,693 |
| Cash dividends to net income (ytd only)* | 4.5479% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 2,861 |
| Loan loss allowance to noncurrent loans | 242.7673% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 3,926 |
| Noncurrent loans to loans | 0.6738% | 4,518 |
| Net loans and leases to total assets | 40.7124% | 5,981 |
| Net loans and leases to deposits | 45.2530% | 6,144 |
| Net loans and leases to core deposits | 46.4464% | 6,197 |
| Total domestic deposits to total assets | 89.9662% | 1,016 |
| Equity capital to assets | 7.5223% | 6,388 |
| Core capital (leverage) ratio | 8.1015% | 6,151 |
| Tier 1 risk-based capital ratio | 17.8201% | 2,394 |
| Total risk-based capital ratio | 19.0742% | 2,356 |
| Memoranda: | ||
| Average total assets | $56,636,000 | 5,913 |
| Average earning assets | $52,455,250 | 5,887 |
| Average equity | $4,580,250 | 6,260 |
| Average total loans | $23,922,000 | 6,097 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 5,792 |
| Cost of funding earning assets | 0.6580% | 2,426 |
| Net interest margin | 2.7928% | 6,016 |
| Noninterest income to average assets | 0.4424% | 4,227 |
| Noninterest expense to average assets | 2.8279% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1878% | 5,937 |
| Return on assets (ROA) | 0.1911% | 6,046 |
| Pretax return on assets | 0.2017% | 6,081 |
| Return on Equity (ROE) | 2.3090% | 5,857 |
| Retained earnings to average equity (ytd only) | 2.0952% | 4,937 |
| Net charge-offs to loans | -0.2081% | 6,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4503% | 787 |
| Assets per employee ($millions) | 4.0569% | 3,675 |
| Cash dividends to net income (ytd only)* | 9.2593% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,393 |
| Loan loss allowance to noncurrent loans | 260.6897% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 3,665 |
| Noncurrent loans to loans | 0.5921% | 4,777 |
| Net loans and leases to total assets | 42.4555% | 5,869 |
| Net loans and leases to deposits | 46.7805% | 6,057 |
| Net loans and leases to core deposits | 48.4459% | 6,110 |
| Total domestic deposits to total assets | 90.7546% | 645 |
| Equity capital to assets | 7.6572% | 6,388 |
| Core capital (leverage) ratio | 8.1228% | 6,085 |
| Tier 1 risk-based capital ratio | 17.2058% | 2,639 |
| Total risk-based capital ratio | 18.4573% | 2,610 |
| Memoranda: | ||
| Average total assets | $56,509,000 | 5,956 |
| Average earning assets | $52,277,000 | 5,928 |
| Average equity | $4,677,330 | 6,274 |
| Average total loans | $24,029,670 | 6,122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 5,920 |
| Cost of funding earning assets | 0.6617% | 2,551 |
| Net interest margin | 2.7470% | 6,133 |
| Noninterest income to average assets | 0.5464% | 3,467 |
| Noninterest expense to average assets | 2.9025% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1703% | 5,980 |
| Return on assets (ROA) | 0.1703% | 6,080 |
| Pretax return on assets | 0.1774% | 6,119 |
| Return on Equity (ROE) | 1.9829% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.5698% | 5,198 |
| Net charge-offs to loans | -0.2353% | 6,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2396% | 821 |
| Assets per employee ($millions) | 4.1254% | 3,688 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,685 |
| Loan loss allowance to noncurrent loans | 311.0169% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 3,604 |
| Noncurrent loans to loans | 0.4930% | 5,198 |
| Net loans and leases to total assets | 40.8079% | 5,933 |
| Net loans and leases to deposits | 45.3050% | 6,101 |
| Net loans and leases to core deposits | 46.8988% | 6,157 |
| Total domestic deposits to total assets | 90.0738% | 999 |
| Equity capital to assets | 8.3662% | 6,134 |
| Core capital (leverage) ratio | 8.1884% | 5,940 |
| Tier 1 risk-based capital ratio | 17.3987% | 2,602 |
| Total risk-based capital ratio | 18.6498% | 2,567 |
| Memoranda: | ||
| Average total assets | $56,365,500 | 6,012 |
| Average earning assets | $51,983,500 | 5,987 |
| Average equity | $4,841,500 | 6,290 |
| Average total loans | $23,799,000 | 6,190 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 5,435 |
| Cost of funding earning assets | 0.7757% | 2,864 |
| Net interest margin | 3.1759% | 5,629 |
| Noninterest income to average assets | 0.2632% | 5,578 |
| Noninterest expense to average assets | 2.9718% | 3,378 |
| Loan and lease loss provision to assets | -0.0908% | 6,918 |
| Net operating income to assets | 0.2928% | 5,496 |
| Return on assets (ROA) | 0.6626% | 4,184 |
| Pretax return on assets | 0.6844% | 4,715 |
| Return on Equity (ROE) | 7.6194% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.6194% | 1,270 |
| Net charge-offs to loans | 0.0281% | 5,504 |
| Credit loss provision to net charge-offs | -714.2857% | 6,552 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,564 |
| Efficiency ratio | 93.3295% | 840 |
| Assets per employee ($millions) | 4.2288% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 3,783 |
| Loan loss allowance to noncurrent loans | 840.4762% | 532 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 3,781 |
| Noncurrent loans to loans | 0.1775% | 6,031 |
| Net loans and leases to total assets | 42.3993% | 5,960 |
| Net loans and leases to deposits | 47.8251% | 6,120 |
| Net loans and leases to core deposits | 48.5898% | 6,234 |
| Total domestic deposits to total assets | 88.6548% | 1,802 |
| Equity capital to assets | 8.8240% | 5,722 |
| Core capital (leverage) ratio | 8.1513% | 6,041 |
| Tier 1 risk-based capital ratio | 17.6303% | 2,405 |
| Total risk-based capital ratio | 18.8806% | 2,369 |
| Memoranda: | ||
| Average total assets | $55,083,800 | 6,044 |
| Average earning assets | $50,663,600 | 6,025 |
| Average equity | $4,790,400 | 6,357 |
| Average total loans | $24,927,200 | 6,200 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 5,447 |
| Cost of funding earning assets | 0.7859% | 3,067 |
| Net interest margin | 3.2380% | 5,593 |
| Noninterest income to average assets | 0.1911% | 6,155 |
| Noninterest expense to average assets | 2.9080% | 3,563 |
| Loan and lease loss provision to assets | -0.1210% | 7,054 |
| Net operating income to assets | 0.3689% | 5,376 |
| Return on assets (ROA) | 0.8516% | 3,463 |
| Pretax return on assets | 0.8927% | 4,140 |
| Return on Equity (ROE) | 9.8282% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.8282% | 959 |
| Net charge-offs to loans | -0.1479% | 6,936 |
| Credit loss provision to net charge-offs | 178.5714% | 1,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6857% | 905 |
| Assets per employee ($millions) | 3.7542% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,457 |
| Loan loss allowance to noncurrent loans | 154.5817% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 3,789 |
| Noncurrent loans to loans | 1.0456% | 4,351 |
| Net loans and leases to total assets | 41.9406% | 6,135 |
| Net loans and leases to deposits | 47.7585% | 6,275 |
| Net loans and leases to core deposits | 48.5079% | 6,383 |
| Total domestic deposits to total assets | 87.8181% | 2,161 |
| Equity capital to assets | 8.7582% | 6,063 |
| Core capital (leverage) ratio | 8.1568% | 6,184 |
| Tier 1 risk-based capital ratio | 18.0661% | 2,308 |
| Total risk-based capital ratio | 19.3193% | 2,284 |
| Memoranda: | ||
| Average total assets | $55,111,000 | 6,122 |
| Average earning assets | $50,729,000 | 6,093 |
| Average equity | $4,775,250 | 6,435 |
| Average total loans | $25,243,500 | 6,262 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 5,276 |
| Cost of funding earning assets | 0.8081% | 3,129 |
| Net interest margin | 3.3042% | 5,429 |
| Noninterest income to average assets | -0.0621% | 7,065 |
| Noninterest expense to average assets | 2.9318% | 3,506 |
| Loan and lease loss provision to assets | -0.1828% | 7,149 |
| Net operating income to assets | 0.2140% | 5,872 |
| Return on assets (ROA) | 0.8079% | 3,622 |
| Pretax return on assets | 0.8481% | 4,287 |
| Return on Equity (ROE) | 9.3585% | 2,643 |
| Retained earnings to average equity (ytd only) | 9.3585% | 1,154 |
| Net charge-offs to loans | -0.1559% | 6,953 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6470% | 602 |
| Assets per employee ($millions) | 3.4077% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 4,019 |
| Loan loss allowance to noncurrent loans | 151.3944% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3884% | 3,647 |
| Noncurrent loans to loans | 0.9894% | 4,526 |
| Net loans and leases to total assets | 45.8339% | 5,838 |
| Net loans and leases to deposits | 51.1200% | 6,094 |
| Net loans and leases to core deposits | 51.9305% | 6,242 |
| Total domestic deposits to total assets | 89.6594% | 1,125 |
| Equity capital to assets | 8.6826% | 6,046 |
| Core capital (leverage) ratio | 8.1054% | 6,159 |
| Tier 1 risk-based capital ratio | 16.8867% | 2,723 |
| Total risk-based capital ratio | 18.1382% | 2,683 |
| Memoranda: | ||
| Average total assets | $54,710,330 | 6,172 |
| Average earning assets | $50,239,330 | 6,148 |
| Average equity | $4,723,000 | 6,477 |
| Average total loans | $25,656,000 | 6,279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 5,274 |
| Cost of funding earning assets | 0.8271% | 3,262 |
| Net interest margin | 3.3241% | 5,391 |
| Noninterest income to average assets | 0.6423% | 2,976 |
| Noninterest expense to average assets | 2.9049% | 3,604 |
| Loan and lease loss provision to assets | -0.3649% | 7,245 |
| Net operating income to assets | 1.1109% | 2,034 |
| Return on assets (ROA) | 1.6714% | 842 |
| Pretax return on assets | 1.7371% | 1,224 |
| Return on Equity (ROE) | 19.4171% | 416 |
| Retained earnings to average equity (ytd only) | 19.4171% | 206 |
| Net charge-offs to loans | -0.2326% | 7,022 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6561% | 2,406 |
| Assets per employee ($millions) | 3.7215% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,458 |
| Loan loss allowance to noncurrent loans | 101.0782% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9705% | 2,946 |
| Noncurrent loans to loans | 1.4176% | 3,984 |
| Net loans and leases to total assets | 46.2112% | 5,761 |
| Net loans and leases to deposits | 51.4716% | 6,031 |
| Net loans and leases to core deposits | 52.6589% | 6,153 |
| Total domestic deposits to total assets | 89.7800% | 1,205 |
| Equity capital to assets | 8.5791% | 6,010 |
| Core capital (leverage) ratio | 8.1384% | 6,106 |
| Tier 1 risk-based capital ratio | 16.2775% | 3,030 |
| Total risk-based capital ratio | 17.5293% | 2,989 |
| Memoranda: | ||
| Average total assets | $54,804,000 | 6,208 |
| Average earning assets | $50,299,000 | 6,182 |
| Average equity | $4,717,500 | 6,505 |
| Average total loans | $25,799,000 | 6,321 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 5,101 |
| Cost of funding earning assets | 0.9711% | 3,571 |
| Net interest margin | 3.5216% | 5,063 |
| Noninterest income to average assets | 0.4884% | 3,936 |
| Noninterest expense to average assets | 3.1232% | 3,120 |
| Loan and lease loss provision to assets | 0.0298% | 6,197 |
| Net operating income to assets | 0.5289% | 4,310 |
| Return on assets (ROA) | 0.7366% | 3,479 |
| Pretax return on assets | 0.7704% | 4,078 |
| Return on Equity (ROE) | 8.7736% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.7736% | 865 |
| Net charge-offs to loans | -0.3015% | 7,244 |
| Credit loss provision to net charge-offs | -20.0000% | 6,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2528% | 1,734 |
| Assets per employee ($millions) | 3.5857% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 3,540 |
| Loan loss allowance to noncurrent loans | 92.3423% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1809% | 2,755 |
| Noncurrent loans to loans | 1.7462% | 3,536 |
| Net loans and leases to total assets | 46.5121% | 5,963 |
| Net loans and leases to deposits | 52.0970% | 6,205 |
| Net loans and leases to core deposits | 53.3503% | 6,348 |
| Total domestic deposits to total assets | 89.2797% | 1,379 |
| Equity capital to assets | 8.6379% | 5,973 |
| Core capital (leverage) ratio | 7.9437% | 6,315 |
| Tier 1 risk-based capital ratio | 15.6599% | 3,231 |
| Total risk-based capital ratio | 16.9148% | 3,188 |
| Memoranda: | ||
| Average total assets | $50,364,800 | 6,351 |
| Average earning assets | $46,030,000 | 6,331 |
| Average equity | $4,228,600 | 6,687 |
| Average total loans | $24,872,400 | 6,426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 4,922 |
| Cost of funding earning assets | 0.9937% | 3,725 |
| Net interest margin | 3.5915% | 4,806 |
| Noninterest income to average assets | 0.4982% | 3,882 |
| Noninterest expense to average assets | 3.1401% | 3,027 |
| Loan and lease loss provision to assets | 0.0404% | 5,936 |
| Net operating income to assets | 0.5641% | 4,253 |
| Return on assets (ROA) | 0.8429% | 3,122 |
| Pretax return on assets | 0.8914% | 3,804 |
| Return on Equity (ROE) | 10.1187% | 2,156 |
| Retained earnings to average equity (ytd only) | 10.1187% | 814 |
| Net charge-offs to loans | -0.3665% | 7,321 |
| Credit loss provision to net charge-offs | -22.0588% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1076% | 1,835 |
| Assets per employee ($millions) | 3.4436% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 3,190 |
| Loan loss allowance to noncurrent loans | 143.9286% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.9592% | 3,195 |
| Noncurrent loans to loans | 1.1980% | 4,538 |
| Net loans and leases to total assets | 44.4670% | 6,284 |
| Net loans and leases to deposits | 49.7574% | 6,515 |
| Net loans and leases to core deposits | 50.5836% | 6,646 |
| Total domestic deposits to total assets | 89.3677% | 1,212 |
| Equity capital to assets | 8.7931% | 5,987 |
| Core capital (leverage) ratio | 8.1107% | 6,268 |
| Tier 1 risk-based capital ratio | 17.5668% | 2,410 |
| Total risk-based capital ratio | 18.8210% | 2,387 |
| Memoranda: | ||
| Average total assets | $49,509,500 | 6,435 |
| Average earning assets | $45,217,250 | 6,413 |
| Average equity | $4,124,250 | 6,773 |
| Average total loans | $24,733,750 | 6,495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 4,699 |
| Cost of funding earning assets | 1.0020% | 3,934 |
| Net interest margin | 3.6591% | 4,476 |
| Noninterest income to average assets | 0.5369% | 3,582 |
| Noninterest expense to average assets | 3.2340% | 2,793 |
| Loan and lease loss provision to assets | 0.0615% | 5,534 |
| Net operating income to assets | 0.5606% | 4,262 |
| Return on assets (ROA) | 0.7378% | 3,470 |
| Pretax return on assets | 0.7829% | 4,090 |
| Return on Equity (ROE) | 9.0339% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.0339% | 1,096 |
| Net charge-offs to loans | -0.4844% | 7,398 |
| Credit loss provision to net charge-offs | -24.5902% | 6,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1401% | 1,939 |
| Assets per employee ($millions) | 3.0781% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,512 |
| Loan loss allowance to noncurrent loans | 100.5076% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 2.3209% | 2,837 |
| Noncurrent loans to loans | 1.6378% | 3,951 |
| Net loans and leases to total assets | 48.0416% | 6,043 |
| Net loans and leases to deposits | 53.6837% | 6,332 |
| Net loans and leases to core deposits | 54.6155% | 6,522 |
| Total domestic deposits to total assets | 89.4901% | 1,250 |
| Equity capital to assets | 8.6580% | 5,995 |
| Core capital (leverage) ratio | 8.2200% | 5,999 |
| Tier 1 risk-based capital ratio | 16.6577% | 2,668 |
| Total risk-based capital ratio | 17.9111% | 2,626 |
| Memoranda: | ||
| Average total assets | $48,794,670 | 6,516 |
| Average earning assets | $44,710,670 | 6,484 |
| Average equity | $3,985,000 | 6,849 |
| Average total loans | $25,187,670 | 6,532 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 4,566 |
| Cost of funding earning assets | 1.0113% | 4,119 |
| Net interest margin | 3.6784% | 4,209 |
| Noninterest income to average assets | 0.3377% | 5,206 |
| Noninterest expense to average assets | 3.3273% | 2,473 |
| Loan and lease loss provision to assets | 0.1235% | 4,455 |
| Net operating income to assets | 0.2594% | 5,583 |
| Return on assets (ROA) | 0.3377% | 5,312 |
| Pretax return on assets | 0.3541% | 5,488 |
| Return on Equity (ROE) | 4.2647% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.2647% | 3,609 |
| Net charge-offs to loans | -0.1087% | 7,113 |
| Credit loss provision to net charge-offs | -214.2857% | 5,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3805% | 1,386 |
| Assets per employee ($millions) | 3.0324% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 5,033 |
| Loan loss allowance to noncurrent loans | 86.3636% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 5,269 |
| Noncurrent loans to loans | 1.5291% | 4,179 |
| Net loans and leases to total assets | 52.6701% | 5,499 |
| Net loans and leases to deposits | 58.5024% | 5,879 |
| Net loans and leases to core deposits | 59.5216% | 6,136 |
| Total domestic deposits to total assets | 90.0307% | 1,137 |
| Equity capital to assets | 8.1453% | 6,346 |
| Core capital (leverage) ratio | 7.9555% | 6,301 |
| Tier 1 risk-based capital ratio | 15.2497% | 3,289 |
| Total risk-based capital ratio | 16.5012% | 3,247 |
| Memoranda: | ||
| Average total assets | $48,567,500 | 6,571 |
| Average earning assets | $44,693,000 | 6,534 |
| Average equity | $3,845,500 | 6,923 |
| Average total loans | $25,753,500 | 6,543 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 5,190 |
| Cost of funding earning assets | 1.2127% | 4,474 |
| Net interest margin | 3.6493% | 4,577 |
| Noninterest income to average assets | 0.4140% | 4,790 |
| Noninterest expense to average assets | 2.9812% | 3,922 |
| Loan and lease loss provision to assets | 0.8321% | 1,978 |
| Net operating income to assets | -0.0705% | 5,954 |
| Return on assets (ROA) | 0.1826% | 5,497 |
| Pretax return on assets | 0.1847% | 5,521 |
| Return on Equity (ROE) | 2.3783% | 5,231 |
| Retained earnings to average equity (ytd only) | 2.3783% | 4,209 |
| Net charge-offs to loans | 0.9968% | 2,198 |
| Credit loss provision to net charge-offs | 152.9851% | 2,336 |
| Earnings coverage of net charge-offs (x) | 1.3993% | 4,713 |
| Efficiency ratio | 79.6638% | 2,459 |
| Assets per employee ($millions) | 3.0385% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,264 |
| Loan loss allowance to noncurrent loans | 67.0860% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 5,046 |
| Noncurrent loans to loans | 1.8626% | 3,739 |
| Net loans and leases to total assets | 52.0199% | 5,904 |
| Net loans and leases to deposits | 58.6720% | 6,192 |
| Net loans and leases to core deposits | 59.7054% | 6,416 |
| Total domestic deposits to total assets | 88.6622% | 1,848 |
| Equity capital to assets | 7.6909% | 6,755 |
| Core capital (leverage) ratio | 7.7890% | 6,450 |
| Tier 1 risk-based capital ratio | 15.6382% | 2,936 |
| Total risk-based capital ratio | 16.8902% | 2,891 |
| Memoranda: | ||
| Average total assets | $49,275,400 | 6,565 |
| Average earning assets | $44,940,200 | 6,540 |
| Average equity | $3,784,200 | 7,063 |
| Average total loans | $26,884,800 | 6,562 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 5,238 |
| Cost of funding earning assets | 1.2407% | 4,622 |
| Net interest margin | 3.6658% | 4,565 |
| Noninterest income to average assets | 0.5016% | 4,174 |
| Noninterest expense to average assets | 2.9368% | 3,956 |
| Loan and lease loss provision to assets | 1.0787% | 1,355 |
| Net operating income to assets | -0.1753% | 6,286 |
| Return on assets (ROA) | 0.0863% | 5,945 |
| Pretax return on assets | 0.0863% | 5,937 |
| Return on Equity (ROE) | 1.1242% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.1242% | 5,369 |
| Net charge-offs to loans | 1.3331% | 1,523 |
| Credit loss provision to net charge-offs | 147.0588% | 2,669 |
| Earnings coverage of net charge-offs (x) | 1.2316% | 4,828 |
| Efficiency ratio | 76.4747% | 2,863 |
| Assets per employee ($millions) | 3.0700% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 5,490 |
| Loan loss allowance to noncurrent loans | 84.7645% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 5,640 |
| Noncurrent loans to loans | 1.4163% | 4,494 |
| Net loans and leases to total assets | 51.2683% | 6,194 |
| Net loans and leases to deposits | 56.9468% | 6,547 |
| Net loans and leases to core deposits | 57.5191% | 6,761 |
| Total domestic deposits to total assets | 90.0285% | 865 |
| Equity capital to assets | 8.0945% | 6,717 |
| Core capital (leverage) ratio | 7.7234% | 6,647 |
| Tier 1 risk-based capital ratio | 15.2758% | 3,113 |
| Total risk-based capital ratio | 16.5094% | 3,089 |
| Memoranda: | ||
| Average total assets | $49,440,250 | 6,643 |
| Average earning assets | $45,027,500 | 6,616 |
| Average equity | $3,795,500 | 7,149 |
| Average total loans | $27,203,500 | 6,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 5,118 |
| Cost of funding earning assets | 1.2672% | 4,729 |
| Net interest margin | 3.6953% | 4,384 |
| Noninterest income to average assets | 0.4844% | 4,242 |
| Noninterest expense to average assets | 2.8337% | 4,343 |
| Loan and lease loss provision to assets | 1.6146% | 808 |
| Net operating income to assets | -0.5974% | 6,738 |
| Return on assets (ROA) | -0.3068% | 6,523 |
| Pretax return on assets | -0.3068% | 6,434 |
| Return on Equity (ROE) | -4.0693% | 6,623 |
| Retained earnings to average equity (ytd only) | -4.0693% | 6,448 |
| Net charge-offs to loans | 2.3906% | 728 |
| Credit loss provision to net charge-offs | 120.4819% | 3,366 |
| Earnings coverage of net charge-offs (x) | 0.7590% | 4,995 |
| Efficiency ratio | 73.5849% | 3,546 |
| Assets per employee ($millions) | 3.0198% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,701 |
| Loan loss allowance to noncurrent loans | 396.7742% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 7,071 |
| Noncurrent loans to loans | 0.2308% | 6,777 |
| Net loans and leases to total assets | 55.0915% | 5,828 |
| Net loans and leases to deposits | 60.9889% | 6,313 |
| Net loans and leases to core deposits | 61.6072% | 6,581 |
| Total domestic deposits to total assets | 90.3303% | 754 |
| Equity capital to assets | 7.8069% | 6,921 |
| Core capital (leverage) ratio | 7.4415% | 6,880 |
| Tier 1 risk-based capital ratio | 14.5506% | 3,417 |
| Total risk-based capital ratio | 15.5230% | 3,532 |
| Memoranda: | ||
| Average total assets | $49,547,000 | 6,667 |
| Average earning assets | $45,138,670 | 6,660 |
| Average equity | $3,735,330 | 7,203 |
| Average total loans | $27,775,000 | 6,650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 5,834 |
| Cost of funding earning assets | 1.2786% | 4,939 |
| Net interest margin | 3.5381% | 5,002 |
| Noninterest income to average assets | 0.4625% | 4,362 |
| Noninterest expense to average assets | 2.6394% | 5,187 |
| Loan and lease loss provision to assets | 3.1896% | 306 |
| Net operating income to assets | -2.1450% | 7,492 |
| Return on assets (ROA) | -2.1371% | 7,496 |
| Pretax return on assets | -2.1371% | 7,443 |
| Return on Equity (ROE) | -28.8405% | 7,555 |
| Retained earnings to average equity (ytd only) | -28.8405% | 7,525 |
| Net charge-offs to loans | 4.3782% | 295 |
| Credit loss provision to net charge-offs | 129.4498% | 2,732 |
| Earnings coverage of net charge-offs (x) | 0.4239% | 4,651 |
| Efficiency ratio | 71.6450% | 3,989 |
| Assets per employee ($millions) | 3.4374% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,641 |
| Loan loss allowance to noncurrent loans | 243.2432% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 6,919 |
| Noncurrent loans to loans | 0.3953% | 6,490 |
| Net loans and leases to total assets | 53.9400% | 6,030 |
| Net loans and leases to deposits | 59.1254% | 6,543 |
| Net loans and leases to core deposits | 60.1952% | 6,729 |
| Total domestic deposits to total assets | 91.2298% | 458 |
| Equity capital to assets | 7.0092% | 7,365 |
| Core capital (leverage) ratio | 7.0737% | 7,204 |
| Tier 1 risk-based capital ratio | 13.2942% | 4,134 |
| Total risk-based capital ratio | 14.3227% | 4,252 |
| Memoranda: | ||
| Average total assets | $50,162,500 | 6,727 |
| Average earning assets | $45,674,500 | 6,719 |
| Average equity | $3,717,000 | 7,281 |
| Average total loans | $28,230,500 | 6,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 5,814 |
| Cost of funding earning assets | 1.6721% | 4,657 |
| Net interest margin | 3.4928% | 4,989 |
| Noninterest income to average assets | 0.5293% | 4,185 |
| Noninterest expense to average assets | 3.1340% | 3,599 |
| Loan and lease loss provision to assets | 0.5649% | 3,551 |
| Net operating income to assets | 0.0251% | 5,412 |
| Return on assets (ROA) | 0.3912% | 4,263 |
| Pretax return on assets | 0.3912% | 4,521 |
| Return on Equity (ROE) | 5.2179% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.2179% | 1,707 |
| Net charge-offs to loans | 1.7365% | 1,442 |
| Credit loss provision to net charge-offs | 53.0452% | 6,711 |
| Earnings coverage of net charge-offs (x) | 0.5540% | 5,553 |
| Efficiency ratio | 84.1573% | 2,328 |
| Assets per employee ($millions) | 3.2509% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6272% | 7,521 |
| Loan loss allowance to noncurrent loans | 149.5798% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 6,850 |
| Noncurrent loans to loans | 0.4193% | 6,435 |
| Net loans and leases to total assets | 57.8316% | 5,684 |
| Net loans and leases to deposits | 65.4984% | 6,114 |
| Net loans and leases to core deposits | 76.9573% | 6,340 |
| Total domestic deposits to total assets | 88.2946% | 1,824 |
| Equity capital to assets | 7.8336% | 6,732 |
| Core capital (leverage) ratio | 7.7539% | 6,498 |
| Tier 1 risk-based capital ratio | 14.8663% | 3,018 |
| Total risk-based capital ratio | 15.5706% | 3,260 |
| Memoranda: | ||
| Average total assets | $47,798,200 | 6,798 |
| Average earning assets | $43,718,600 | 6,771 |
| Average equity | $3,583,800 | 7,421 |
| Average total loans | $29,312,600 | 6,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 6,083 |
| Cost of funding earning assets | 1.7440% | 4,674 |
| Net interest margin | 3.4116% | 5,210 |
| Noninterest income to average assets | 0.5383% | 4,172 |
| Noninterest expense to average assets | 3.1036% | 3,638 |
| Loan and lease loss provision to assets | 0.7570% | 2,475 |
| Net operating income to assets | -0.1906% | 6,044 |
| Return on assets (ROA) | 0.1430% | 5,410 |
| Pretax return on assets | 0.1430% | 5,434 |
| Return on Equity (ROE) | 1.9292% | 5,190 |
| Retained earnings to average equity (ytd only) | 1.9292% | 4,249 |
| Net charge-offs to loans | 2.3285% | 806 |
| Credit loss provision to net charge-offs | 52.3256% | 6,280 |
| Earnings coverage of net charge-offs (x) | 0.3915% | 5,634 |
| Efficiency ratio | 84.5684% | 2,235 |
| Assets per employee ($millions) | 3.2811% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6218% | 7,545 |
| Loan loss allowance to noncurrent loans | 125.5474% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 6,806 |
| Noncurrent loans to loans | 0.4953% | 6,323 |
| Net loans and leases to total assets | 55.8527% | 6,158 |
| Net loans and leases to deposits | 61.7106% | 6,706 |
| Net loans and leases to core deposits | 70.3817% | 6,948 |
| Total domestic deposits to total assets | 90.5073% | 590 |
| Equity capital to assets | 7.5970% | 7,223 |
| Core capital (leverage) ratio | 7.3616% | 7,121 |
| Tier 1 risk-based capital ratio | 14.9431% | 3,064 |
| Total risk-based capital ratio | 15.6529% | 3,271 |
| Memoranda: | ||
| Average total assets | $47,556,750 | 6,852 |
| Average earning assets | $43,654,000 | 6,835 |
| Average equity | $3,524,750 | 7,504 |
| Average total loans | $29,546,000 | 6,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 5,782 |
| Cost of funding earning assets | 1.8224% | 4,655 |
| Net interest margin | 3.4500% | 4,985 |
| Noninterest income to average assets | 0.5234% | 4,246 |
| Noninterest expense to average assets | 3.1742% | 3,414 |
| Loan and lease loss provision to assets | 0.7446% | 2,202 |
| Net operating income to assets | -0.2298% | 6,232 |
| Return on assets (ROA) | 0.0128% | 5,876 |
| Pretax return on assets | 0.0128% | 5,837 |
| Return on Equity (ROE) | 0.1737% | 5,867 |
| Retained earnings to average equity (ytd only) | 0.1737% | 5,143 |
| Net charge-offs to loans | 1.7498% | 1,087 |
| Credit loss provision to net charge-offs | 66.2879% | 5,486 |
| Earnings coverage of net charge-offs (x) | 0.4583% | 5,241 |
| Efficiency ratio | 86.0438% | 2,226 |
| Assets per employee ($millions) | 3.1739% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,674 |
| Loan loss allowance to noncurrent loans | 46.1322% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.4934% | 3,996 |
| Noncurrent loans to loans | 2.3609% | 3,066 |
| Net loans and leases to total assets | 62.5680% | 5,256 |
| Net loans and leases to deposits | 69.1426% | 6,079 |
| Net loans and leases to core deposits | 78.8522% | 6,493 |
| Total domestic deposits to total assets | 90.4913% | 633 |
| Equity capital to assets | 7.5595% | 7,215 |
| Core capital (leverage) ratio | 7.6036% | 6,897 |
| Tier 1 risk-based capital ratio | 13.6588% | 3,719 |
| Total risk-based capital ratio | 14.9088% | 3,645 |
| Memoranda: | ||
| Average total assets | $47,003,330 | 6,942 |
| Average earning assets | $43,130,000 | 6,920 |
| Average equity | $3,453,330 | 7,589 |
| Average total loans | $30,174,330 | 6,723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 5,805 |
| Cost of funding earning assets | 1.9197% | 4,538 |
| Net interest margin | 3.4014% | 5,134 |
| Noninterest income to average assets | 0.4968% | 4,346 |
| Noninterest expense to average assets | 2.9550% | 3,958 |
| Loan and lease loss provision to assets | 1.3276% | 968 |
| Net operating income to assets | -0.6595% | 7,015 |
| Return on assets (ROA) | -0.5225% | 6,950 |
| Pretax return on assets | -0.5225% | 6,838 |
| Return on Equity (ROE) | -7.2179% | 7,167 |
| Retained earnings to average equity (ytd only) | -7.2179% | 6,818 |
| Net charge-offs to loans | 3.5625% | 341 |
| Credit loss provision to net charge-offs | 57.6208% | 4,557 |
| Earnings coverage of net charge-offs (x) | 0.2900% | 4,742 |
| Efficiency ratio | 81.5603% | 2,600 |
| Assets per employee ($millions) | 3.1303% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,282 |
| Loan loss allowance to noncurrent loans | 68.7075% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 4,843 |
| Noncurrent loans to loans | 1.4347% | 4,152 |
| Net loans and leases to total assets | 64.8195% | 4,838 |
| Net loans and leases to deposits | 71.7052% | 5,781 |
| Net loans and leases to core deposits | 81.9119% | 6,245 |
| Total domestic deposits to total assets | 90.3972% | 645 |
| Equity capital to assets | 7.6392% | 7,231 |
| Core capital (leverage) ratio | 7.4268% | 7,244 |
| Tier 1 risk-based capital ratio | 13.6357% | 3,782 |
| Total risk-based capital ratio | 14.8131% | 3,750 |
| Memoranda: | ||
| Average total assets | $46,700,500 | 7,000 |
| Average earning assets | $42,923,500 | 6,979 |
| Average equity | $3,380,500 | 7,661 |
| Average total loans | $30,203,500 | 6,753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 5,363 |
| Cost of funding earning assets | 2.7996% | 2,707 |
| Net interest margin | 3.2399% | 6,240 |
| Noninterest income to average assets | 0.5909% | 3,907 |
| Noninterest expense to average assets | 2.9395% | 4,307 |
| Loan and lease loss provision to assets | 0.5546% | 2,597 |
| Net operating income to assets | 0.0341% | 6,270 |
| Return on assets (ROA) | -0.5589% | 6,852 |
| Pretax return on assets | -0.5610% | 6,699 |
| Return on Equity (ROE) | -7.9737% | 7,123 |
| Retained earnings to average equity (ytd only) | -9.7997% | 7,058 |
| Net charge-offs to loans | 0.6738% | 1,832 |
| Credit loss provision to net charge-offs | 130.6533% | 4,073 |
| Earnings coverage of net charge-offs (x) | 1.3819% | 5,435 |
| Efficiency ratio | 83.3636% | 2,129 |
| Assets per employee ($millions) | 3.0964% | 5,772 |
| Cash dividends to net income (ytd only)* | -22.9008% | 7,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 3,164 |
| Loan loss allowance to noncurrent loans | 54.7963% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.7138% | 2,841 |
| Noncurrent loans to loans | 2.5651% | 2,117 |
| Net loans and leases to total assets | 62.9785% | 5,454 |
| Net loans and leases to deposits | 69.0990% | 6,363 |
| Net loans and leases to core deposits | 79.6292% | 6,644 |
| Total domestic deposits to total assets | 91.1424% | 287 |
| Equity capital to assets | 6.8337% | 7,812 |
| Core capital (leverage) ratio | 6.4107% | 7,961 |
| Tier 1 risk-based capital ratio | 11.9265% | 4,883 |
| Total risk-based capital ratio | 13.1795% | 4,766 |
| Memoranda: | ||
| Average total assets | $46,878,200 | 6,904 |
| Average earning assets | $42,470,800 | 6,927 |
| Average equity | $3,285,800 | 7,751 |
| Average total loans | $29,534,400 | 6,736 |