Home > Bank of Morton > Performance and Condition Ratios
Bank of Morton, Performance and Condition Ratios
| 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 | 5.5419% | 965 |
| Cost of funding earning assets | 0.8828% | 3,316 |
| Net interest margin | 4.6591% | 485 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 3.4676% | 573 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5436% | 1,036 |
| Return on assets (ROA) | 1.5436% | 1,023 |
| Pretax return on assets | 1.5436% | 1,475 |
| Return on Equity (ROE) | 14.5800% | 1,529 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,191 |
| Net charge-offs to loans | 0.0218% | 1,665 |
| Credit loss provision to net charge-offs | 642.8571% | 534 |
| Earnings coverage of net charge-offs (x) | 137.4286% | 774 |
| Efficiency ratio | 68.1668% | 1,994 |
| Assets per employee ($millions) | 4.8104% | 3,730 |
| Cash dividends to net income (ytd only)* | 70.8833% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 4,194 |
| Loan loss allowance to noncurrent loans | 68.2984% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 443 |
| Noncurrent loans to loans | 0.9666% | 851 |
| Net loans and leases to total assets | 57.2800% | 3,094 |
| Net loans and leases to deposits | 66.4416% | 3,092 |
| Net loans and leases to core deposits | 76.0873% | 2,860 |
| Total domestic deposits to total assets | 86.2100% | 2,132 |
| Equity capital to assets | 10.3149% | 1,637 |
| Core capital (leverage) ratio | 13.9453% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,207,250 | 4,037 |
| Average earning assets | $72,945,250 | 4,018 |
| Average equity | $8,388,500 | 3,892 |
| Average total loans | $42,786,750 | 3,964 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3310% | 1,039 |
| Cost of funding earning assets | 0.8387% | 3,103 |
| Net interest margin | 4.4922% | 612 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 3.0142% | 1,020 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.8536% | 608 |
| Return on assets (ROA) | 1.8536% | 606 |
| Pretax return on assets | 1.8536% | 930 |
| Return on Equity (ROE) | 17.3600% | 1,037 |
| Retained earnings to average equity (ytd only) | 7.2145% | 2,222 |
| Net charge-offs to loans | -0.0379% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.9818% | 2,847 |
| Assets per employee ($millions) | 4.9578% | 3,630 |
| Cash dividends to net income (ytd only)* | 58.4345% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 4,210 |
| Loan loss allowance to noncurrent loans | 25.6567% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.8771% | 151 |
| Noncurrent loans to loans | 2.6600% | 172 |
| Net loans and leases to total assets | 53.7500% | 3,288 |
| Net loans and leases to deposits | 62.4744% | 3,278 |
| Net loans and leases to core deposits | 71.4765% | 3,040 |
| Total domestic deposits to total assets | 86.0400% | 2,215 |
| Equity capital to assets | 10.8290% | 1,451 |
| Core capital (leverage) ratio | 13.6488% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $79,954,333 | 4,048 |
| Average earning assets | $73,682,667 | 4,032 |
| Average equity | $8,538,333 | 3,896 |
| Average total loans | $42,255,333 | 3,985 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 1,170 |
| Cost of funding earning assets | 0.7729% | 2,831 |
| Net interest margin | 4.2593% | 865 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 3.1095% | 920 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5398% | 1,097 |
| Return on assets (ROA) | 1.5398% | 1,085 |
| Pretax return on assets | 1.5398% | 1,587 |
| Return on Equity (ROE) | 14.5200% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.3231% | 3,177 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.8228% | 2,227 |
| Assets per employee ($millions) | 4.7589% | 3,835 |
| Cash dividends to net income (ytd only)* | 70.2265% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 4,325 |
| Loan loss allowance to noncurrent loans | 16.4929% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.4684% | 81 |
| Noncurrent loans to loans | 3.8456% | 96 |
| Net loans and leases to total assets | 52.0900% | 3,341 |
| Net loans and leases to deposits | 60.2224% | 3,318 |
| Net loans and leases to core deposits | 68.4562% | 3,061 |
| Total domestic deposits to total assets | 86.5000% | 2,445 |
| Equity capital to assets | 10.6983% | 1,457 |
| Core capital (leverage) ratio | 13.3877% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $80,269,500 | 4,098 |
| Average earning assets | $74,003,000 | 4,081 |
| Average equity | $8,512,500 | 3,947 |
| Average total loans | $41,916,500 | 4,037 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 610 |
| Cost of funding earning assets | 0.5197% | 1,270 |
| Net interest margin | 4.0837% | 683 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.9673% | 1,011 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5404% | 794 |
| Return on assets (ROA) | 1.5404% | 767 |
| Pretax return on assets | 1.5404% | 1,321 |
| Return on Equity (ROE) | 13.9800% | 1,535 |
| Retained earnings to average equity (ytd only) | 4.2684% | 3,313 |
| Net charge-offs to loans | 0.0098% | 2,010 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 461 |
| Efficiency ratio | 64.7629% | 2,392 |
| Assets per employee ($millions) | 4.6846% | 3,911 |
| Cash dividends to net income (ytd only)* | 69.4712% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4418% | 4,479 |
| Loan loss allowance to noncurrent loans | 12.2572% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.3343% | 93 |
| Noncurrent loans to loans | 3.6045% | 107 |
| Net loans and leases to total assets | 51.7800% | 3,378 |
| Net loans and leases to deposits | 59.7315% | 3,341 |
| Net loans and leases to core deposits | 67.6155% | 3,034 |
| Total domestic deposits to total assets | 86.6900% | 2,500 |
| Equity capital to assets | 10.5101% | 1,447 |
| Core capital (leverage) ratio | 13.4755% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,017,200 | 4,119 |
| Average earning assets | $74,467,000 | 4,104 |
| Average equity | $8,926,000 | 3,999 |
| Average total loans | $40,948,200 | 4,051 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 521 |
| Cost of funding earning assets | 0.4903% | 787 |
| Net interest margin | 3.9774% | 668 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.9300% | 1,007 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4863% | 878 |
| Return on assets (ROA) | 1.4863% | 863 |
| Pretax return on assets | 1.4863% | 1,456 |
| Return on Equity (ROE) | 13.3400% | 1,600 |
| Retained earnings to average equity (ytd only) | 3.7800% | 3,520 |
| Net charge-offs to loans | -0.0163% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2555% | 2,378 |
| Assets per employee ($millions) | 4.1572% | 4,252 |
| Cash dividends to net income (ytd only)* | 71.6648% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4363% | 4,525 |
| Loan loss allowance to noncurrent loans | 8.9757% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 2.9840% | 53 |
| Noncurrent loans to loans | 4.8607% | 61 |
| Net loans and leases to total assets | 51.1400% | 3,373 |
| Net loans and leases to deposits | 58.7560% | 3,291 |
| Net loans and leases to core deposits | 66.3627% | 2,931 |
| Total domestic deposits to total assets | 87.0400% | 2,744 |
| Equity capital to assets | 9.7940% | 1,728 |
| Core capital (leverage) ratio | 13.0798% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,362,000 | 4,143 |
| Average earning assets | $74,787,250 | 4,130 |
| Average equity | $9,065,000 | 4,030 |
| Average total loans | $40,830,000 | 4,072 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 574 |
| Cost of funding earning assets | 0.4867% | 563 |
| Net interest margin | 3.7558% | 830 |
| Noninterest income to average assets | 0.8253% | 990 |
| Noninterest expense to average assets | 2.8483% | 1,083 |
| Loan and lease loss provision to assets | 0.0730% | 1,316 |
| Net operating income to assets | 1.3609% | 998 |
| Return on assets (ROA) | 1.3609% | 976 |
| Pretax return on assets | 1.3609% | 1,549 |
| Return on Equity (ROE) | 11.7585% | 1,739 |
| Retained earnings to average equity (ytd only) | 2.6504% | 3,563 |
| Net charge-offs to loans | -0.0196% | 3,862 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5151% | 2,442 |
| Assets per employee ($millions) | 4.2474% | 4,243 |
| Cash dividends to net income (ytd only)* | 77.4597% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4009% | 4,618 |
| Loan loss allowance to noncurrent loans | 7.5199% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.1301% | 54 |
| Noncurrent loans to loans | 5.3314% | 52 |
| Net loans and leases to total assets | 49.5620% | 3,418 |
| Net loans and leases to deposits | 57.4191% | 3,276 |
| Net loans and leases to core deposits | 64.8071% | 2,910 |
| Total domestic deposits to total assets | 86.3162% | 3,168 |
| Equity capital to assets | 10.7372% | 1,346 |
| Core capital (leverage) ratio | 12.5150% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,153,667 | 4,175 |
| Average earning assets | $75,617,333 | 4,176 |
| Average equity | $9,508,000 | 4,046 |
| Average total loans | $40,916,667 | 4,124 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 770 |
| Cost of funding earning assets | 0.4795% | 551 |
| Net interest margin | 3.5235% | 1,043 |
| Noninterest income to average assets | 0.8349% | 965 |
| Noninterest expense to average assets | 2.8475% | 1,065 |
| Loan and lease loss provision to assets | 0.0724% | 1,140 |
| Net operating income to assets | 1.1776% | 1,308 |
| Return on assets (ROA) | 1.1776% | 1,307 |
| Pretax return on assets | 1.1776% | 1,886 |
| Return on Equity (ROE) | 9.8293% | 2,033 |
| Retained earnings to average equity (ytd only) | 1.0877% | 3,807 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4935% | 2,301 |
| Assets per employee ($millions) | 4.3758% | 4,212 |
| Cash dividends to net income (ytd only)* | 88.9344% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3480% | 4,670 |
| Loan loss allowance to noncurrent loans | 6.0297% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 3.3413% | 53 |
| Noncurrent loans to loans | 5.7709% | 49 |
| Net loans and leases to total assets | 48.9121% | 3,291 |
| Net loans and leases to deposits | 56.8604% | 3,183 |
| Net loans and leases to core deposits | 65.5090% | 2,674 |
| Total domestic deposits to total assets | 86.0213% | 3,256 |
| Equity capital to assets | 11.2279% | 1,221 |
| Core capital (leverage) ratio | 12.4755% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,880,000 | 4,181 |
| Average earning assets | $76,741,500 | 4,175 |
| Average equity | $9,929,500 | 4,062 |
| Average total loans | $41,296,000 | 4,138 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 777 |
| Cost of funding earning assets | 0.4992% | 934 |
| Net interest margin | 3.8565% | 909 |
| Noninterest income to average assets | 0.8398% | 1,345 |
| Noninterest expense to average assets | 2.9560% | 1,054 |
| Loan and lease loss provision to assets | 0.1253% | 979 |
| Net operating income to assets | 1.3137% | 1,564 |
| Return on assets (ROA) | 1.3137% | 1,606 |
| Pretax return on assets | 1.3137% | 2,319 |
| Return on Equity (ROE) | 10.0151% | 2,512 |
| Retained earnings to average equity (ytd only) | 0.4539% | 4,386 |
| Net charge-offs to loans | 0.2286% | 405 |
| Credit loss provision to net charge-offs | 103.0612% | 1,764 |
| Earnings coverage of net charge-offs (x) | 11.8367% | 2,138 |
| Efficiency ratio | 67.2594% | 2,090 |
| Assets per employee ($millions) | 4.5899% | 4,047 |
| Cash dividends to net income (ytd only)* | 95.4674% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 4,728 |
| Loan loss allowance to noncurrent loans | 5.1251% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 3.5113% | 55 |
| Noncurrent loans to loans | 5.9305% | 50 |
| Net loans and leases to total assets | 50.4206% | 3,232 |
| Net loans and leases to deposits | 59.6668% | 3,103 |
| Net loans and leases to core deposits | 66.6096% | 2,766 |
| Total domestic deposits to total assets | 84.5036% | 3,420 |
| Equity capital to assets | 12.7380% | 982 |
| Core capital (leverage) ratio | 12.3457% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,614,600 | 4,211 |
| Average earning assets | $74,317,000 | 4,206 |
| Average equity | $10,574,000 | 4,077 |
| Average total loans | $42,872,200 | 4,132 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 798 |
| Cost of funding earning assets | 0.5007% | 1,041 |
| Net interest margin | 3.9078% | 923 |
| Noninterest income to average assets | 0.8434% | 1,403 |
| Noninterest expense to average assets | 3.0391% | 905 |
| Loan and lease loss provision to assets | 0.0861% | 1,383 |
| Net operating income to assets | 1.3141% | 1,777 |
| Return on assets (ROA) | 1.3141% | 1,834 |
| Pretax return on assets | 1.3141% | 2,589 |
| Return on Equity (ROE) | 9.9130% | 2,767 |
| Retained earnings to average equity (ytd only) | -0.0502% | 4,567 |
| Net charge-offs to loans | 0.1267% | 625 |
| Credit loss provision to net charge-offs | 126.8293% | 1,434 |
| Earnings coverage of net charge-offs (x) | 20.5366% | 1,728 |
| Efficiency ratio | 68.4526% | 1,765 |
| Assets per employee ($millions) | 4.3211% | 4,251 |
| Cash dividends to net income (ytd only)* | 100.5063% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3196% | 4,807 |
| Loan loss allowance to noncurrent loans | 8.2017% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.7137% | 109 |
| Noncurrent loans to loans | 3.8970% | 135 |
| Net loans and leases to total assets | 51.2820% | 3,271 |
| Net loans and leases to deposits | 61.1758% | 3,125 |
| Net loans and leases to core deposits | 68.8734% | 2,697 |
| Total domestic deposits to total assets | 83.8272% | 3,500 |
| Equity capital to assets | 13.0851% | 961 |
| Core capital (leverage) ratio | 12.4251% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,152,500 | 4,267 |
| Average earning assets | $73,765,750 | 4,263 |
| Average equity | $10,625,500 | 4,128 |
| Average total loans | $43,144,250 | 4,182 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 822 |
| Cost of funding earning assets | 0.5068% | 1,157 |
| Net interest margin | 3.9201% | 939 |
| Noninterest income to average assets | 0.8981% | 1,280 |
| Noninterest expense to average assets | 3.0137% | 964 |
| Loan and lease loss provision to assets | 0.0981% | 1,288 |
| Net operating income to assets | 1.3861% | 1,598 |
| Return on assets (ROA) | 1.3861% | 1,673 |
| Pretax return on assets | 1.3861% | 2,377 |
| Return on Equity (ROE) | 10.4096% | 2,612 |
| Retained earnings to average equity (ytd only) | -0.5101% | 4,568 |
| Net charge-offs to loans | 0.1841% | 461 |
| Credit loss provision to net charge-offs | 97.5000% | 1,402 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,652 |
| Efficiency ratio | 67.0022% | 2,014 |
| Assets per employee ($millions) | 4.5199% | 4,094 |
| Cash dividends to net income (ytd only)* | 104.9002% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2943% | 4,852 |
| Loan loss allowance to noncurrent loans | 6.9214% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 3.0519% | 89 |
| Noncurrent loans to loans | 4.2520% | 118 |
| Net loans and leases to total assets | 52.0520% | 3,337 |
| Net loans and leases to deposits | 61.9690% | 3,207 |
| Net loans and leases to core deposits | 70.0644% | 2,774 |
| Total domestic deposits to total assets | 83.9969% | 3,442 |
| Equity capital to assets | 13.0324% | 934 |
| Core capital (leverage) ratio | 12.4619% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,503,000 | 4,297 |
| Average earning assets | $73,007,667 | 4,299 |
| Average equity | $10,586,333 | 4,146 |
| Average total loans | $43,446,333 | 4,210 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 747 |
| Cost of funding earning assets | 0.5109% | 1,324 |
| Net interest margin | 4.0152% | 824 |
| Noninterest income to average assets | 0.8298% | 1,513 |
| Noninterest expense to average assets | 3.0391% | 930 |
| Loan and lease loss provision to assets | 0.0407% | 2,239 |
| Net operating income to assets | 1.4305% | 1,495 |
| Return on assets (ROA) | 1.4305% | 1,568 |
| Pretax return on assets | 1.4305% | 2,191 |
| Return on Equity (ROE) | 10.6258% | 2,490 |
| Retained earnings to average equity (ytd only) | -0.3025% | 4,390 |
| Net charge-offs to loans | 0.0637% | 895 |
| Credit loss provision to net charge-offs | 114.2857% | 1,062 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 971 |
| Efficiency ratio | 67.3815% | 2,017 |
| Assets per employee ($millions) | 4.5094% | 4,090 |
| Cash dividends to net income (ytd only)* | 102.8470% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2868% | 4,881 |
| Loan loss allowance to noncurrent loans | 10.7296% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.2668% | 199 |
| Noncurrent loans to loans | 2.6732% | 327 |
| Net loans and leases to total assets | 53.5358% | 3,285 |
| Net loans and leases to deposits | 63.7002% | 3,152 |
| Net loans and leases to core deposits | 72.1520% | 2,689 |
| Total domestic deposits to total assets | 84.0434% | 3,421 |
| Equity capital to assets | 12.9789% | 917 |
| Core capital (leverage) ratio | 13.0602% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,575,000 | 4,323 |
| Average earning assets | $72,027,000 | 4,329 |
| Average equity | $10,578,000 | 4,160 |
| Average total loans | $43,932,500 | 4,209 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 246 |
| Cost of funding earning assets | 0.6538% | 1,967 |
| Net interest margin | 4.6811% | 221 |
| Noninterest income to average assets | 0.8249% | 1,466 |
| Noninterest expense to average assets | 3.1123% | 1,204 |
| Loan and lease loss provision to assets | 0.1005% | 3,075 |
| Net operating income to assets | 1.8811% | 331 |
| Return on assets (ROA) | 1.8811% | 355 |
| Pretax return on assets | 1.8811% | 577 |
| Return on Equity (ROE) | 12.8102% | 1,090 |
| Retained earnings to average equity (ytd only) | -0.7315% | 4,614 |
| Net charge-offs to loans | 0.1386% | 1,165 |
| Credit loss provision to net charge-offs | 108.9552% | 2,734 |
| Earnings coverage of net charge-offs (x) | 21.4776% | 1,895 |
| Efficiency ratio | 61.0976% | 3,291 |
| Assets per employee ($millions) | 4.4694% | 3,948 |
| Cash dividends to net income (ytd only)* | 105.7101% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2777% | 4,909 |
| Loan loss allowance to noncurrent loans | 5.1271% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 3.8128% | 70 |
| Noncurrent loans to loans | 5.4172% | 68 |
| Net loans and leases to total assets | 58.1232% | 3,071 |
| Net loans and leases to deposits | 70.2255% | 2,862 |
| Net loans and leases to core deposits | 79.0612% | 2,447 |
| Total domestic deposits to total assets | 82.7665% | 3,474 |
| Equity capital to assets | 13.9787% | 808 |
| Core capital (leverage) ratio | 13.4589% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,615,400 | 4,346 |
| Average earning assets | $66,223,200 | 4,351 |
| Average equity | $10,663,400 | 4,129 |
| Average total loans | $48,331,600 | 4,140 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5237% | 222 |
| Cost of funding earning assets | 0.6675% | 2,215 |
| Net interest margin | 4.8562% | 180 |
| Noninterest income to average assets | 0.8192% | 1,422 |
| Noninterest expense to average assets | 3.1580% | 1,143 |
| Loan and lease loss provision to assets | 0.0502% | 3,722 |
| Net operating income to assets | 2.0304% | 274 |
| Return on assets (ROA) | 2.0304% | 298 |
| Pretax return on assets | 2.0304% | 487 |
| Return on Equity (ROE) | 13.6528% | 947 |
| Retained earnings to average equity (ytd only) | 2.8230% | 3,592 |
| Net charge-offs to loans | 0.1675% | 878 |
| Credit loss provision to net charge-offs | 43.5484% | 2,911 |
| Earnings coverage of net charge-offs (x) | 18.0645% | 1,976 |
| Efficiency ratio | 60.2837% | 3,350 |
| Assets per employee ($millions) | 4.4101% | 3,944 |
| Cash dividends to net income (ytd only)* | 79.3230% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 4,969 |
| Loan loss allowance to noncurrent loans | 2.0010% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 5.9436% | 40 |
| Noncurrent loans to loans | 8.9528% | 34 |
| Net loans and leases to total assets | 61.6884% | 3,047 |
| Net loans and leases to deposits | 75.1064% | 2,838 |
| Net loans and leases to core deposits | 84.4808% | 2,428 |
| Total domestic deposits to total assets | 82.1347% | 3,387 |
| Equity capital to assets | 14.5628% | 715 |
| Core capital (leverage) ratio | 14.0143% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,774,250 | 4,366 |
| Average earning assets | $65,317,000 | 4,380 |
| Average equity | $10,674,000 | 4,132 |
| Average total loans | $49,343,250 | 4,148 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6671% | 245 |
| Cost of funding earning assets | 0.6757% | 2,524 |
| Net interest margin | 4.9914% | 210 |
| Noninterest income to average assets | 0.8429% | 1,311 |
| Noninterest expense to average assets | 3.0152% | 1,536 |
| Loan and lease loss provision to assets | 0.0566% | 3,591 |
| Net operating income to assets | 2.3052% | 186 |
| Return on assets (ROA) | 2.3052% | 207 |
| Pretax return on assets | 2.3052% | 301 |
| Return on Equity (ROE) | 15.3880% | 650 |
| Retained earnings to average equity (ytd only) | 4.4748% | 2,719 |
| Net charge-offs to loans | 0.1271% | 1,074 |
| Credit loss provision to net charge-offs | 62.5000% | 2,576 |
| Earnings coverage of net charge-offs (x) | 26.0938% | 1,536 |
| Efficiency ratio | 56.0757% | 3,933 |
| Assets per employee ($millions) | 4.6650% | 3,574 |
| Cash dividends to net income (ytd only)* | 70.9202% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2182% | 4,989 |
| Loan loss allowance to noncurrent loans | 2.7440% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 5.5908% | 46 |
| Noncurrent loans to loans | 7.9513% | 42 |
| Net loans and leases to total assets | 64.9477% | 2,763 |
| Net loans and leases to deposits | 78.8500% | 2,565 |
| Net loans and leases to core deposits | 89.5169% | 2,111 |
| Total domestic deposits to total assets | 82.3687% | 3,272 |
| Equity capital to assets | 14.5632% | 721 |
| Core capital (leverage) ratio | 14.4213% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,708,333 | 4,392 |
| Average earning assets | $64,230,333 | 4,405 |
| Average equity | $10,592,667 | 4,155 |
| Average total loans | $50,347,000 | 4,134 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9991% | 165 |
| Cost of funding earning assets | 0.6880% | 2,981 |
| Net interest margin | 5.3111% | 127 |
| Noninterest income to average assets | 0.8263% | 1,238 |
| Noninterest expense to average assets | 3.3866% | 1,085 |
| Loan and lease loss provision to assets | 0.0698% | 2,868 |
| Net operating income to assets | 2.1762% | 192 |
| Return on assets (ROA) | 2.1762% | 210 |
| Pretax return on assets | 2.1762% | 310 |
| Return on Equity (ROE) | 14.3103% | 645 |
| Retained earnings to average equity (ytd only) | 3.2523% | 2,980 |
| Net charge-offs to loans | 0.1249% | 960 |
| Credit loss provision to net charge-offs | 75.0000% | 1,951 |
| Earnings coverage of net charge-offs (x) | 24.1250% | 1,310 |
| Efficiency ratio | 60.1240% | 3,724 |
| Assets per employee ($millions) | 4.1152% | 3,764 |
| Cash dividends to net income (ytd only)* | 77.2727% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2260% | 5,027 |
| Loan loss allowance to noncurrent loans | 4.2442% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.2011% | 94 |
| Noncurrent loans to loans | 5.3249% | 105 |
| Net loans and leases to total assets | 71.9403% | 1,926 |
| Net loans and leases to deposits | 87.8539% | 1,763 |
| Net loans and leases to core deposits | 101.3309% | 1,374 |
| Total domestic deposits to total assets | 81.8863% | 3,450 |
| Equity capital to assets | 14.9833% | 764 |
| Core capital (leverage) ratio | 15.1614% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,742,500 | 4,432 |
| Average earning assets | $62,209,000 | 4,449 |
| Average equity | $10,454,000 | 4,186 |
| Average total loans | $51,229,000 | 4,134 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1809% | 172 |
| Cost of funding earning assets | 0.7059% | 3,134 |
| Net interest margin | 5.4750% | 119 |
| Noninterest income to average assets | 1.0066% | 960 |
| Noninterest expense to average assets | 3.8481% | 628 |
| Loan and lease loss provision to assets | 0.0928% | 2,177 |
| Net operating income to assets | 2.0265% | 332 |
| Return on assets (ROA) | 1.8997% | 445 |
| Pretax return on assets | 1.8997% | 743 |
| Return on Equity (ROE) | 12.5316% | 1,321 |
| Retained earnings to average equity (ytd only) | -1.5069% | 4,846 |
| Net charge-offs to loans | 0.1002% | 1,727 |
| Credit loss provision to net charge-offs | 123.5294% | 2,058 |
| Earnings coverage of net charge-offs (x) | 28.1961% | 1,635 |
| Efficiency ratio | 64.4851% | 3,003 |
| Assets per employee ($millions) | 3.7515% | 4,210 |
| Cash dividends to net income (ytd only)* | 112.0248% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2269% | 5,079 |
| Loan loss allowance to noncurrent loans | 8.9326% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.3487% | 293 |
| Noncurrent loans to loans | 2.5396% | 419 |
| Net loans and leases to total assets | 76.8552% | 1,285 |
| Net loans and leases to deposits | 94.7182% | 1,084 |
| Net loans and leases to core deposits | 107.6432% | 999 |
| Total domestic deposits to total assets | 81.1409% | 3,735 |
| Equity capital to assets | 15.4398% | 698 |
| Core capital (leverage) ratio | 15.1121% | 660 |
| Tier 1 risk-based capital ratio | 22.4767% | 967 |
| Total risk-based capital ratio | 22.7336% | 1,064 |
| Memoranda: | ||
| Average total assets | $67,852,200 | 4,469 |
| Average earning assets | $61,479,600 | 4,487 |
| Average equity | $10,286,000 | 4,200 |
| Average total loans | $50,898,600 | 4,162 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1751% | 181 |
| Cost of funding earning assets | 0.6989% | 3,229 |
| Net interest margin | 5.4762% | 124 |
| Noninterest income to average assets | 0.9735% | 991 |
| Noninterest expense to average assets | 3.9705% | 547 |
| Loan and lease loss provision to assets | 0.0294% | 3,313 |
| Net operating income to assets | 1.9254% | 464 |
| Return on assets (ROA) | 1.7566% | 707 |
| Pretax return on assets | 1.7566% | 1,189 |
| Return on Equity (ROE) | 11.6408% | 1,741 |
| Retained earnings to average equity (ytd only) | -3.3947% | 5,008 |
| Net charge-offs to loans | 0.0685% | 1,848 |
| Credit loss provision to net charge-offs | 57.6923% | 2,728 |
| Earnings coverage of net charge-offs (x) | 38.3031% | 1,411 |
| Efficiency ratio | 67.0089% | 2,587 |
| Assets per employee ($millions) | 4.2998% | 3,482 |
| Cash dividends to net income (ytd only)* | 129.1620% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1848% | 5,165 |
| Loan loss allowance to noncurrent loans | 8.1127% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.1120% | 395 |
| Noncurrent loans to loans | 2.2776% | 540 |
| Net loans and leases to total assets | 74.5934% | 1,702 |
| Net loans and leases to deposits | 91.5951% | 1,490 |
| Net loans and leases to core deposits | 104.7841% | 1,279 |
| Total domestic deposits to total assets | 81.4381% | 3,629 |
| Equity capital to assets | 15.0239% | 839 |
| Core capital (leverage) ratio | 15.0087% | 735 |
| Tier 1 risk-based capital ratio | 22.3474% | 1,027 |
| Total risk-based capital ratio | 22.5551% | 1,132 |
| Memoranda: | ||
| Average total assets | $67,933,500 | 4,517 |
| Average earning assets | $61,427,500 | 4,543 |
| Average equity | $10,251,000 | 4,251 |
| Average total loans | $50,619,250 | 4,214 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0025% | 234 |
| Cost of funding earning assets | 0.6771% | 3,289 |
| Net interest margin | 5.3254% | 160 |
| Noninterest income to average assets | 0.9579% | 959 |
| Noninterest expense to average assets | 4.2250% | 397 |
| Loan and lease loss provision to assets | 0.0296% | 3,228 |
| Net operating income to assets | 1.5167% | 1,102 |
| Return on assets (ROA) | 1.2625% | 1,973 |
| Pretax return on assets | 1.2625% | 2,701 |
| Return on Equity (ROE) | 8.3540% | 3,132 |
| Retained earnings to average equity (ytd only) | -8.6083% | 5,147 |
| Net charge-offs to loans | 0.0874% | 1,489 |
| Credit loss provision to net charge-offs | 45.4545% | 2,503 |
| Earnings coverage of net charge-offs (x) | 23.7727% | 1,643 |
| Efficiency ratio | 73.2070% | 1,748 |
| Assets per employee ($millions) | 4.1934% | 3,585 |
| Cash dividends to net income (ytd only)* | 203.0445% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1874% | 5,222 |
| Loan loss allowance to noncurrent loans | 10.3183% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.7319% | 601 |
| Noncurrent loans to loans | 1.8160% | 828 |
| Net loans and leases to total assets | 74.6281% | 1,778 |
| Net loans and leases to deposits | 91.5944% | 1,536 |
| Net loans and leases to core deposits | 106.5431% | 1,214 |
| Total domestic deposits to total assets | 81.4767% | 3,671 |
| Equity capital to assets | 15.0967% | 786 |
| Core capital (leverage) ratio | 14.7559% | 761 |
| Tier 1 risk-based capital ratio | 22.2985% | 1,023 |
| Total risk-based capital ratio | 22.5073% | 1,130 |
| Memoranda: | ||
| Average total assets | $67,645,670 | 4,556 |
| Average earning assets | $61,141,330 | 4,581 |
| Average equity | $10,222,670 | 4,273 |
| Average total loans | $50,354,670 | 4,249 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9281% | 248 |
| Cost of funding earning assets | 0.6463% | 3,336 |
| Net interest margin | 5.2817% | 178 |
| Noninterest income to average assets | 0.8893% | 1,067 |
| Noninterest expense to average assets | 3.2861% | 1,317 |
| Loan and lease loss provision to assets | 0.0294% | 3,030 |
| Net operating income to assets | 2.3380% | 212 |
| Return on assets (ROA) | 1.8315% | 546 |
| Pretax return on assets | 1.8315% | 910 |
| Return on Equity (ROE) | 12.1135% | 1,493 |
| Retained earnings to average equity (ytd only) | -10.3997% | 5,119 |
| Net charge-offs to loans | 0.0714% | 1,346 |
| Credit loss provision to net charge-offs | 55.5556% | 1,940 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 1,086 |
| Efficiency ratio | 58.1250% | 4,059 |
| Assets per employee ($millions) | 4.0035% | 3,915 |
| Cash dividends to net income (ytd only)* | 185.8521% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2051% | 5,278 |
| Loan loss allowance to noncurrent loans | 17.0248% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 906 |
| Noncurrent loans to loans | 1.2049% | 1,370 |
| Net loans and leases to total assets | 73.6244% | 1,879 |
| Net loans and leases to deposits | 89.9831% | 1,635 |
| Net loans and leases to core deposits | 103.0520% | 1,378 |
| Total domestic deposits to total assets | 81.8202% | 3,774 |
| Equity capital to assets | 14.9973% | 756 |
| Core capital (leverage) ratio | 15.0170% | 692 |
| Tier 1 risk-based capital ratio | 22.6752% | 974 |
| Total risk-based capital ratio | 22.9039% | 1,073 |
| Memoranda: | ||
| Average total assets | $67,921,500 | 4,603 |
| Average earning assets | $61,268,000 | 4,629 |
| Average equity | $10,269,500 | 4,285 |
| Average total loans | $50,449,500 | 4,291 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2525% | 120 |
| Cost of funding earning assets | 0.4875% | 3,432 |
| Net interest margin | 5.7650% | 84 |
| Noninterest income to average assets | 1.0759% | 803 |
| Noninterest expense to average assets | 3.3137% | 1,287 |
| Loan and lease loss provision to assets | 0.0267% | 3,643 |
| Net operating income to assets | 2.9580% | 83 |
| Return on assets (ROA) | 3.0677% | 75 |
| Pretax return on assets | 3.0677% | 90 |
| Return on Equity (ROE) | 21.0404% | 195 |
| Retained earnings to average equity (ytd only) | 6.3630% | 1,999 |
| Net charge-offs to loans | 0.0473% | 2,491 |
| Credit loss provision to net charge-offs | 75.0000% | 2,923 |
| Earnings coverage of net charge-offs (x) | 83.9167% | 839 |
| Efficiency ratio | 52.6118% | 4,745 |
| Assets per employee ($millions) | 4.2365% | 3,560 |
| Cash dividends to net income (ytd only)* | 69.7585% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2091% | 5,322 |
| Loan loss allowance to noncurrent loans | 24.0909% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 880 |
| Noncurrent loans to loans | 0.8681% | 1,856 |
| Net loans and leases to total assets | 74.6223% | 1,818 |
| Net loans and leases to deposits | 91.5097% | 1,602 |
| Net loans and leases to core deposits | 103.3805% | 1,467 |
| Total domestic deposits to total assets | 81.5458% | 3,772 |
| Equity capital to assets | 15.2425% | 658 |
| Core capital (leverage) ratio | 15.4636% | 604 |
| Tier 1 risk-based capital ratio | 23.2043% | 896 |
| Total risk-based capital ratio | 23.4390% | 984 |
| Memoranda: | ||
| Average total assets | $67,477,800 | 4,623 |
| Average earning assets | $61,128,000 | 4,647 |
| Average equity | $9,838,200 | 4,328 |
| Average total loans | $50,756,600 | 4,305 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1941% | 119 |
| Cost of funding earning assets | 0.4624% | 3,441 |
| Net interest margin | 5.7317% | 83 |
| Noninterest income to average assets | 1.0702% | 828 |
| Noninterest expense to average assets | 3.3213% | 1,257 |
| Loan and lease loss provision to assets | 0.0257% | 3,501 |
| Net operating income to assets | 2.9217% | 86 |
| Return on assets (ROA) | 2.9079% | 86 |
| Pretax return on assets | 2.9079% | 124 |
| Return on Equity (ROE) | 20.1750% | 265 |
| Retained earnings to average equity (ytd only) | 4.3095% | 3,603 |
| Net charge-offs to loans | 0.0446% | 2,204 |
| Credit loss provision to net charge-offs | 76.4706% | 2,567 |
| Earnings coverage of net charge-offs (x) | 87.6321% | 833 |
| Efficiency ratio | 52.9820% | 4,709 |
| Assets per employee ($millions) | 3.9286% | 4,005 |
| Cash dividends to net income (ytd only)* | 78.6393% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2102% | 5,394 |
| Loan loss allowance to noncurrent loans | 31.6716% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.9630% | 546 |
| Noncurrent loans to loans | 0.6636% | 2,419 |
| Net loans and leases to total assets | 76.7829% | 1,539 |
| Net loans and leases to deposits | 93.8765% | 1,393 |
| Net loans and leases to core deposits | 106.0050% | 1,309 |
| Total domestic deposits to total assets | 81.7914% | 3,671 |
| Equity capital to assets | 14.5852% | 807 |
| Core capital (leverage) ratio | 15.1118% | 676 |
| Tier 1 risk-based capital ratio | 22.4514% | 995 |
| Total risk-based capital ratio | 22.6898% | 1,110 |
| Memoranda: | ||
| Average total assets | $67,401,250 | 4,672 |
| Average earning assets | $61,131,750 | 4,696 |
| Average equity | $9,714,750 | 4,382 |
| Average total loans | $50,773,750 | 4,343 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1461% | 120 |
| Cost of funding earning assets | 0.4535% | 3,329 |
| Net interest margin | 5.6927% | 92 |
| Noninterest income to average assets | 1.0798% | 822 |
| Noninterest expense to average assets | 3.2660% | 1,398 |
| Loan and lease loss provision to assets | 0.0266% | 3,383 |
| Net operating income to assets | 2.9494% | 89 |
| Return on assets (ROA) | 2.9317% | 89 |
| Pretax return on assets | 2.9317% | 121 |
| Return on Equity (ROE) | 20.4204% | 237 |
| Retained earnings to average equity (ytd only) | 2.5551% | 4,238 |
| Net charge-offs to loans | 0.0040% | 3,037 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 1,006.0000% | 79 |
| Efficiency ratio | 52.3223% | 4,856 |
| Assets per employee ($millions) | 3.9777% | 3,932 |
| Cash dividends to net income (ytd only)* | 87.4874% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2338% | 5,446 |
| Loan loss allowance to noncurrent loans | 41.5225% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.7997% | 649 |
| Noncurrent loans to loans | 0.5631% | 2,730 |
| Net loans and leases to total assets | 75.7206% | 1,681 |
| Net loans and leases to deposits | 92.1995% | 1,559 |
| Net loans and leases to core deposits | 104.0711% | 1,395 |
| Total domestic deposits to total assets | 82.1269% | 3,674 |
| Equity capital to assets | 14.4837% | 809 |
| Core capital (leverage) ratio | 14.7192% | 733 |
| Tier 1 risk-based capital ratio | 21.8710% | 1,049 |
| Total risk-based capital ratio | 22.1341% | 1,167 |
| Memoranda: | ||
| Average total assets | $67,606,000 | 4,725 |
| Average earning assets | $61,307,000 | 4,741 |
| Average equity | $9,706,000 | 4,426 |
| Average total loans | $50,568,670 | 4,391 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0406% | 129 |
| Cost of funding earning assets | 0.4366% | 3,318 |
| Net interest margin | 5.6040% | 96 |
| Noninterest income to average assets | 1.0769% | 792 |
| Noninterest expense to average assets | 3.2427% | 1,473 |
| Loan and lease loss provision to assets | 0.0237% | 3,214 |
| Net operating income to assets | 2.8995% | 85 |
| Return on assets (ROA) | 2.8581% | 87 |
| Pretax return on assets | 2.8581% | 128 |
| Return on Equity (ROE) | 19.9959% | 247 |
| Retained earnings to average equity (ytd only) | -3.9329% | 5,137 |
| Net charge-offs to loans | -0.0239% | 4,644 |
| Credit loss provision to net charge-offs | -133.3333% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5912% | 4,922 |
| Assets per employee ($millions) | 4.0215% | 3,939 |
| Cash dividends to net income (ytd only)* | 119.6687% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2366% | 5,513 |
| Loan loss allowance to noncurrent loans | 30.9091% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.0098% | 567 |
| Noncurrent loans to loans | 0.7655% | 2,287 |
| Net loans and leases to total assets | 73.3932% | 1,967 |
| Net loans and leases to deposits | 89.4180% | 1,758 |
| Net loans and leases to core deposits | 101.1572% | 1,601 |
| Total domestic deposits to total assets | 82.0788% | 3,937 |
| Equity capital to assets | 14.0084% | 892 |
| Core capital (leverage) ratio | 14.4482% | 778 |
| Tier 1 risk-based capital ratio | 21.3043% | 1,158 |
| Total risk-based capital ratio | 21.5641% | 1,264 |
| Memoranda: | ||
| Average total assets | $67,598,500 | 4,782 |
| Average earning assets | $61,385,000 | 4,796 |
| Average equity | $9,662,000 | 4,474 |
| Average total loans | $50,191,500 | 4,439 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2636% | 102 |
| Cost of funding earning assets | 0.3775% | 3,442 |
| Net interest margin | 5.8861% | 76 |
| Noninterest income to average assets | 1.0779% | 876 |
| Noninterest expense to average assets | 3.2623% | 1,454 |
| Loan and lease loss provision to assets | 0.0256% | 3,785 |
| Net operating income to assets | 3.1419% | 66 |
| Return on assets (ROA) | 3.0576% | 68 |
| Pretax return on assets | 3.0576% | 93 |
| Return on Equity (ROE) | 21.6432% | 135 |
| Retained earnings to average equity (ytd only) | 6.2447% | 1,413 |
| Net charge-offs to loans | 0.0020% | 4,046 |
| Credit loss provision to net charge-offs | 1,700.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 2,104.0000% | 29 |
| Efficiency ratio | 50.7375% | 5,183 |
| Assets per employee ($millions) | 3.9312% | 4,073 |
| Cash dividends to net income (ytd only)* | 71.1472% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2236% | 5,577 |
| Loan loss allowance to noncurrent loans | 21.3740% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 2.1218% | 510 |
| Noncurrent loans to loans | 1.0462% | 1,702 |
| Net loans and leases to total assets | 74.7797% | 1,795 |
| Net loans and leases to deposits | 92.5979% | 1,435 |
| Net loans and leases to core deposits | 103.7492% | 1,429 |
| Total domestic deposits to total assets | 80.7574% | 4,179 |
| Equity capital to assets | 14.5845% | 758 |
| Core capital (leverage) ratio | 14.6790% | 687 |
| Tier 1 risk-based capital ratio | 21.6250% | 1,057 |
| Total risk-based capital ratio | 21.8708% | 1,182 |
| Memoranda: | ||
| Average total assets | $66,425,400 | 4,836 |
| Average earning assets | $60,397,000 | 4,846 |
| Average equity | $9,384,000 | 4,543 |
| Average total loans | $49,267,200 | 4,478 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2188% | 104 |
| Cost of funding earning assets | 0.3691% | 3,471 |
| Net interest margin | 5.8497% | 76 |
| Noninterest income to average assets | 1.0494% | 929 |
| Noninterest expense to average assets | 3.1803% | 1,602 |
| Loan and lease loss provision to assets | 0.0281% | 3,567 |
| Net operating income to assets | 3.1622% | 70 |
| Return on assets (ROA) | 3.0777% | 73 |
| Pretax return on assets | 3.0777% | 106 |
| Return on Equity (ROE) | 21.9652% | 140 |
| Retained earnings to average equity (ytd only) | 5.3945% | 2,609 |
| Net charge-offs to loans | -0.0109% | 4,655 |
| Credit loss provision to net charge-offs | -350.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9211% | 5,254 |
| Assets per employee ($millions) | 3.8992% | 4,162 |
| Cash dividends to net income (ytd only)* | 75.4409% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2285% | 5,645 |
| Loan loss allowance to noncurrent loans | 35.4037% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 808 |
| Noncurrent loans to loans | 0.6454% | 2,780 |
| Net loans and leases to total assets | 75.0913% | 1,747 |
| Net loans and leases to deposits | 93.1593% | 1,406 |
| Net loans and leases to core deposits | 103.9318% | 1,394 |
| Total domestic deposits to total assets | 80.6053% | 4,170 |
| Equity capital to assets | 14.5174% | 851 |
| Core capital (leverage) ratio | 14.5912% | 745 |
| Tier 1 risk-based capital ratio | 21.3463% | 1,138 |
| Total risk-based capital ratio | 21.5987% | 1,275 |
| Memoranda: | ||
| Average total assets | $66,324,000 | 4,894 |
| Average earning assets | $60,331,750 | 4,904 |
| Average equity | $9,293,250 | 4,613 |
| Average total loans | $49,062,000 | 4,524 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1806% | 102 |
| Cost of funding earning assets | 0.3745% | 3,345 |
| Net interest margin | 5.8061% | 84 |
| Noninterest income to average assets | 1.0582% | 901 |
| Noninterest expense to average assets | 3.3315% | 1,308 |
| Loan and lease loss provision to assets | 0.0301% | 3,397 |
| Net operating income to assets | 2.9787% | 80 |
| Return on assets (ROA) | 2.8521% | 90 |
| Pretax return on assets | 2.8521% | 133 |
| Return on Equity (ROE) | 20.6025% | 195 |
| Retained earnings to average equity (ytd only) | 1.7205% | 4,561 |
| Net charge-offs to loans | -0.0246% | 4,857 |
| Credit loss provision to net charge-offs | -166.6667% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5440% | 5,134 |
| Assets per employee ($millions) | 3.9277% | 4,085 |
| Cash dividends to net income (ytd only)* | 91.6490% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2304% | 5,695 |
| Loan loss allowance to noncurrent loans | 180.6452% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 1,856 |
| Noncurrent loans to loans | 0.1276% | 4,613 |
| Net loans and leases to total assets | 72.6258% | 2,103 |
| Net loans and leases to deposits | 87.8401% | 2,005 |
| Net loans and leases to core deposits | 97.8332% | 1,823 |
| Total domestic deposits to total assets | 82.6796% | 3,662 |
| Equity capital to assets | 13.9971% | 966 |
| Core capital (leverage) ratio | 13.9420% | 884 |
| Tier 1 risk-based capital ratio | 20.7416% | 1,234 |
| Total risk-based capital ratio | 20.9901% | 1,389 |
| Memoranda: | ||
| Average total assets | $66,336,670 | 4,925 |
| Average earning assets | $60,350,000 | 4,941 |
| Average equity | $9,183,330 | 4,654 |
| Average total loans | $48,786,330 | 4,560 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 106 |
| Cost of funding earning assets | 0.3843% | 3,153 |
| Net interest margin | 5.7638% | 90 |
| Noninterest income to average assets | 1.0889% | 838 |
| Noninterest expense to average assets | 3.0551% | 1,999 |
| Loan and lease loss provision to assets | 0.0363% | 3,070 |
| Net operating income to assets | 3.2608% | 81 |
| Return on assets (ROA) | 3.0067% | 97 |
| Pretax return on assets | 3.0067% | 136 |
| Return on Equity (ROE) | 21.8414% | 156 |
| Retained earnings to average equity (ytd only) | -3.5597% | 5,300 |
| Net charge-offs to loans | -0.1964% | 5,617 |
| Credit loss provision to net charge-offs | -25.0000% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0952% | 5,467 |
| Assets per employee ($millions) | 4.1705% | 3,716 |
| Cash dividends to net income (ytd only)* | 116.2978% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2571% | 5,757 |
| Loan loss allowance to noncurrent loans | 55.2632% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 1,773 |
| Noncurrent loans to loans | 0.4653% | 3,421 |
| Net loans and leases to total assets | 73.2481% | 1,865 |
| Net loans and leases to deposits | 87.9890% | 1,797 |
| Net loans and leases to core deposits | 97.6817% | 1,684 |
| Total domestic deposits to total assets | 83.2469% | 3,749 |
| Equity capital to assets | 13.6464% | 1,020 |
| Core capital (leverage) ratio | 13.8169% | 886 |
| Tier 1 risk-based capital ratio | 20.2812% | 1,335 |
| Total risk-based capital ratio | 20.5594% | 1,509 |
| Memoranda: | ||
| Average total assets | $66,119,500 | 4,981 |
| Average earning assets | $60,377,000 | 4,990 |
| Average equity | $9,102,000 | 4,697 |
| Average total loans | $48,877,000 | 4,592 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0378% | 121 |
| Cost of funding earning assets | 0.3925% | 3,072 |
| Net interest margin | 5.6454% | 89 |
| Noninterest income to average assets | 1.0522% | 1,016 |
| Noninterest expense to average assets | 3.3986% | 1,361 |
| Loan and lease loss provision to assets | 0.0582% | 3,223 |
| Net operating income to assets | 2.7507% | 104 |
| Return on assets (ROA) | 2.7768% | 103 |
| Pretax return on assets | 2.7768% | 142 |
| Return on Equity (ROE) | 20.1154% | 204 |
| Retained earnings to average equity (ytd only) | 4.0941% | 2,999 |
| Net charge-offs to loans | 0.2202% | 1,253 |
| Credit loss provision to net charge-offs | 36.5385% | 3,529 |
| Earnings coverage of net charge-offs (x) | 17.6346% | 2,027 |
| Efficiency ratio | 54.7496% | 5,175 |
| Assets per employee ($millions) | 4.0944% | 3,795 |
| Cash dividends to net income (ytd only)* | 79.6470% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1969% | 5,830 |
| Loan loss allowance to noncurrent loans | 40.1674% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 1,349 |
| Noncurrent loans to loans | 0.4902% | 3,401 |
| Net loans and leases to total assets | 74.2700% | 1,800 |
| Net loans and leases to deposits | 91.4688% | 1,515 |
| Net loans and leases to core deposits | 101.2675% | 1,509 |
| Total domestic deposits to total assets | 81.1971% | 4,289 |
| Equity capital to assets | 13.8877% | 926 |
| Core capital (leverage) ratio | 14.1801% | 769 |
| Tier 1 risk-based capital ratio | 20.6153% | 1,275 |
| Total risk-based capital ratio | 20.8289% | 1,419 |
| Memoranda: | ||
| Average total assets | $65,291,400 | 5,023 |
| Average earning assets | $59,624,200 | 5,029 |
| Average equity | $9,013,000 | 4,764 |
| Average total loans | $47,232,400 | 4,659 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9801% | 124 |
| Cost of funding earning assets | 0.3982% | 3,038 |
| Net interest margin | 5.5819% | 100 |
| Noninterest income to average assets | 1.0587% | 1,016 |
| Noninterest expense to average assets | 3.3498% | 1,456 |
| Loan and lease loss provision to assets | 0.0531% | 3,194 |
| Net operating income to assets | 2.7550% | 112 |
| Return on assets (ROA) | 2.7448% | 116 |
| Pretax return on assets | 2.7448% | 152 |
| Return on Equity (ROE) | 19.9140% | 243 |
| Retained earnings to average equity (ytd only) | 2.7729% | 4,229 |
| Net charge-offs to loans | 0.2732% | 846 |
| Credit loss provision to net charge-offs | 27.0833% | 3,246 |
| Earnings coverage of net charge-offs (x) | 14.3121% | 2,248 |
| Efficiency ratio | 54.3976% | 5,209 |
| Assets per employee ($millions) | 4.0988% | 3,791 |
| Cash dividends to net income (ytd only)* | 86.0758% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1924% | 5,894 |
| Loan loss allowance to noncurrent loans | 28.8401% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 1,028 |
| Noncurrent loans to loans | 0.6673% | 3,028 |
| Net loans and leases to total assets | 72.7600% | 2,051 |
| Net loans and leases to deposits | 88.0954% | 2,003 |
| Net loans and leases to core deposits | 98.0036% | 1,816 |
| Total domestic deposits to total assets | 82.5923% | 3,746 |
| Equity capital to assets | 13.9097% | 1,073 |
| Core capital (leverage) ratio | 13.9008% | 881 |
| Tier 1 risk-based capital ratio | 20.2790% | 1,391 |
| Total risk-based capital ratio | 20.4844% | 1,574 |
| Memoranda: | ||
| Average total assets | $65,236,500 | 5,066 |
| Average earning assets | $59,596,250 | 5,074 |
| Average equity | $8,991,750 | 4,810 |
| Average total loans | $46,852,750 | 4,706 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9572% | 130 |
| Cost of funding earning assets | 0.4097% | 2,942 |
| Net interest margin | 5.5475% | 104 |
| Noninterest income to average assets | 1.1670% | 823 |
| Noninterest expense to average assets | 3.4458% | 1,274 |
| Loan and lease loss provision to assets | 0.0430% | 3,288 |
| Net operating income to assets | 2.7518% | 104 |
| Return on assets (ROA) | 2.7518% | 105 |
| Pretax return on assets | 2.7518% | 151 |
| Return on Equity (ROE) | 20.0261% | 241 |
| Retained earnings to average equity (ytd only) | 0.6705% | 5,106 |
| Net charge-offs to loans | 0.4083% | 559 |
| Credit loss provision to net charge-offs | 14.7368% | 2,968 |
| Earnings coverage of net charge-offs (x) | 9.5789% | 2,411 |
| Efficiency ratio | 55.2165% | 5,223 |
| Assets per employee ($millions) | 4.3419% | 3,308 |
| Cash dividends to net income (ytd only)* | 96.6518% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1747% | 5,979 |
| Loan loss allowance to noncurrent loans | 38.9423% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,721 |
| Noncurrent loans to loans | 0.4485% | 3,760 |
| Net loans and leases to total assets | 71.0851% | 2,318 |
| Net loans and leases to deposits | 85.7956% | 2,274 |
| Net loans and leases to core deposits | 95.8868% | 1,984 |
| Total domestic deposits to total assets | 82.8540% | 3,705 |
| Equity capital to assets | 13.8633% | 1,073 |
| Core capital (leverage) ratio | 13.7149% | 901 |
| Tier 1 risk-based capital ratio | 20.0431% | 1,456 |
| Total risk-based capital ratio | 20.2249% | 1,669 |
| Memoranda: | ||
| Average total assets | $65,122,000 | 5,122 |
| Average earning assets | $59,558,330 | 5,127 |
| Average equity | $8,948,330 | 4,853 |
| Average total loans | $46,534,330 | 4,756 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8881% | 139 |
| Cost of funding earning assets | 0.4215% | 2,847 |
| Net interest margin | 5.4666% | 125 |
| Noninterest income to average assets | 1.3022% | 644 |
| Noninterest expense to average assets | 3.2925% | 1,622 |
| Loan and lease loss provision to assets | 0.0369% | 3,173 |
| Net operating income to assets | 2.9915% | 97 |
| Return on assets (ROA) | 2.9915% | 96 |
| Pretax return on assets | 2.9915% | 131 |
| Return on Equity (ROE) | 21.8680% | 160 |
| Retained earnings to average equity (ytd only) | -4.0862% | 5,553 |
| Net charge-offs to loans | 0.1459% | 1,242 |
| Credit loss provision to net charge-offs | 35.2941% | 2,178 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,199 |
| Efficiency ratio | 52.0894% | 5,513 |
| Assets per employee ($millions) | 4.7341% | 2,695 |
| Cash dividends to net income (ytd only)* | 118.6858% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3240% | 5,995 |
| Loan loss allowance to noncurrent loans | 21.7266% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 2.2225% | 733 |
| Noncurrent loans to loans | 1.4914% | 1,581 |
| Net loans and leases to total assets | 70.0851% | 2,326 |
| Net loans and leases to deposits | 86.9690% | 1,947 |
| Net loans and leases to core deposits | 98.4069% | 1,607 |
| Total domestic deposits to total assets | 80.5863% | 4,611 |
| Equity capital to assets | 13.3589% | 1,241 |
| Core capital (leverage) ratio | 13.4025% | 1,020 |
| Tier 1 risk-based capital ratio | 19.2757% | 1,666 |
| Total risk-based capital ratio | 19.6069% | 1,853 |
| Memoranda: | ||
| Average total assets | $65,118,500 | 5,178 |
| Average earning assets | $59,781,500 | 5,167 |
| Average equity | $8,908,000 | 4,886 |
| Average total loans | $46,612,500 | 4,780 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 155 |
| Cost of funding earning assets | 0.4641% | 2,495 |
| Net interest margin | 5.4042% | 144 |
| Noninterest income to average assets | 1.3596% | 651 |
| Noninterest expense to average assets | 3.2177% | 1,923 |
| Loan and lease loss provision to assets | 0.0547% | 3,221 |
| Net operating income to assets | 3.0192% | 84 |
| Return on assets (ROA) | 2.7114% | 120 |
| Pretax return on assets | 2.7114% | 153 |
| Return on Equity (ROE) | 19.8795% | 259 |
| Retained earnings to average equity (ytd only) | 3.3342% | 3,681 |
| Net charge-offs to loans | 0.0381% | 3,463 |
| Credit loss provision to net charge-offs | 205.8824% | 1,360 |
| Earnings coverage of net charge-offs (x) | 115.7059% | 518 |
| Efficiency ratio | 51.1426% | 5,692 |
| Assets per employee ($millions) | 4.5685% | 2,926 |
| Cash dividends to net income (ytd only)* | 83.2277% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3475% | 6,028 |
| Loan loss allowance to noncurrent loans | 15.1828% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.7471% | 525 |
| Noncurrent loans to loans | 2.2886% | 840 |
| Net loans and leases to total assets | 72.6418% | 1,950 |
| Net loans and leases to deposits | 90.3594% | 1,572 |
| Net loans and leases to core deposits | 100.5889% | 1,467 |
| Total domestic deposits to total assets | 80.3921% | 4,642 |
| Equity capital to assets | 14.0121% | 925 |
| Core capital (leverage) ratio | 13.8607% | 857 |
| Tier 1 risk-based capital ratio | 19.2623% | 1,642 |
| Total risk-based capital ratio | 19.6165% | 1,816 |
| Memoranda: | ||
| Average total assets | $63,990,000 | 5,223 |
| Average earning assets | $58,398,600 | 5,229 |
| Average equity | $8,727,600 | 4,908 |
| Average total loans | $44,662,600 | 4,844 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8325% | 166 |
| Cost of funding earning assets | 0.4712% | 2,486 |
| Net interest margin | 5.3613% | 154 |
| Noninterest income to average assets | 1.4354% | 607 |
| Noninterest expense to average assets | 3.1563% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.1625% | 81 |
| Return on assets (ROA) | 2.7521% | 115 |
| Pretax return on assets | 2.7521% | 159 |
| Return on Equity (ROE) | 20.3171% | 259 |
| Retained earnings to average equity (ytd only) | 2.5531% | 4,600 |
| Net charge-offs to loans | 0.0392% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 116.7888% | 552 |
| Efficiency ratio | 49.9505% | 5,780 |
| Assets per employee ($millions) | 4.2351% | 3,450 |
| Cash dividends to net income (ytd only)* | 87.4336% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2886% | 6,151 |
| Loan loss allowance to noncurrent loans | 9.4859% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.2758% | 424 |
| Noncurrent loans to loans | 3.0429% | 569 |
| Net loans and leases to total assets | 71.2370% | 2,185 |
| Net loans and leases to deposits | 87.5980% | 1,959 |
| Net loans and leases to core deposits | 98.0075% | 1,696 |
| Total domestic deposits to total assets | 81.3226% | 4,384 |
| Equity capital to assets | 14.0730% | 995 |
| Core capital (leverage) ratio | 13.5952% | 977 |
| Tier 1 risk-based capital ratio | 19.1842% | 1,729 |
| Total risk-based capital ratio | 19.4748% | 1,934 |
| Memoranda: | ||
| Average total assets | $63,997,750 | 5,286 |
| Average earning assets | $58,292,500 | 5,297 |
| Average equity | $8,669,000 | 4,982 |
| Average total loans | $44,172,500 | 4,910 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 170 |
| Cost of funding earning assets | 0.4691% | 2,528 |
| Net interest margin | 5.3035% | 159 |
| Noninterest income to average assets | 1.0225% | 1,138 |
| Noninterest expense to average assets | 3.1985% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.6529% | 140 |
| Return on assets (ROA) | 2.6529% | 146 |
| Pretax return on assets | 2.6529% | 202 |
| Return on Equity (ROE) | 19.8399% | 277 |
| Retained earnings to average equity (ytd only) | -0.3730% | 5,581 |
| Net charge-offs to loans | -0.0548% | 5,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6617% | 5,530 |
| Assets per employee ($millions) | 4.5784% | 2,858 |
| Cash dividends to net income (ytd only)* | 101.8801% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3485% | 6,188 |
| Loan loss allowance to noncurrent loans | 13.6245% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 2.6007% | 711 |
| Noncurrent loans to loans | 2.5579% | 865 |
| Net loans and leases to total assets | 69.5945% | 2,384 |
| Net loans and leases to deposits | 85.5215% | 2,103 |
| Net loans and leases to core deposits | 95.8178% | 1,816 |
| Total domestic deposits to total assets | 81.3767% | 4,496 |
| Equity capital to assets | 13.4016% | 1,216 |
| Core capital (leverage) ratio | 12.9832% | 1,176 |
| Tier 1 risk-based capital ratio | 18.7458% | 1,860 |
| Total risk-based capital ratio | 19.0963% | 2,070 |
| Memoranda: | ||
| Average total assets | $64,155,000 | 5,342 |
| Average earning assets | $58,414,000 | 5,356 |
| Average equity | $8,578,670 | 5,041 |
| Average total loans | $43,768,330 | 4,957 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6736% | 201 |
| Cost of funding earning assets | 0.4643% | 2,627 |
| Net interest margin | 5.2093% | 173 |
| Noninterest income to average assets | 0.9847% | 1,152 |
| Noninterest expense to average assets | 3.0724% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.6673% | 116 |
| Return on assets (ROA) | 2.6673% | 126 |
| Pretax return on assets | 2.6673% | 193 |
| Return on Equity (ROE) | 19.9697% | 267 |
| Retained earnings to average equity (ytd only) | -6.9987% | 6,038 |
| Net charge-offs to loans | -0.0092% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5288% | 5,716 |
| Assets per employee ($millions) | 4.3460% | 3,296 |
| Cash dividends to net income (ytd only)* | 135.0467% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 6,278 |
| Loan loss allowance to noncurrent loans | 22.0700% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 2.3240% | 955 |
| Noncurrent loans to loans | 1.5085% | 1,873 |
| Net loans and leases to total assets | 66.5869% | 2,673 |
| Net loans and leases to deposits | 80.8764% | 2,464 |
| Net loans and leases to core deposits | 90.3900% | 2,095 |
| Total domestic deposits to total assets | 82.3316% | 4,405 |
| Equity capital to assets | 13.1078% | 1,343 |
| Core capital (leverage) ratio | 12.8183% | 1,227 |
| Tier 1 risk-based capital ratio | 18.6976% | 1,946 |
| Total risk-based capital ratio | 19.0280% | 2,172 |
| Memoranda: | ||
| Average total assets | $64,184,000 | 5,390 |
| Average earning assets | $58,587,500 | 5,398 |
| Average equity | $8,573,000 | 5,082 |
| Average total loans | $43,270,500 | 5,010 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 294 |
| Cost of funding earning assets | 0.5042% | 2,629 |
| Net interest margin | 5.0407% | 282 |
| Noninterest income to average assets | 1.0185% | 1,175 |
| Noninterest expense to average assets | 3.1079% | 2,487 |
| Loan and lease loss provision to assets | 0.0385% | 3,801 |
| Net operating income to assets | 2.4623% | 156 |
| Return on assets (ROA) | 2.4623% | 159 |
| Pretax return on assets | 2.4623% | 206 |
| Return on Equity (ROE) | 19.1341% | 303 |
| Retained earnings to average equity (ytd only) | 1.8440% | 4,881 |
| Net charge-offs to loans | 0.1133% | 2,896 |
| Credit loss provision to net charge-offs | 54.3478% | 3,393 |
| Earnings coverage of net charge-offs (x) | 35.2826% | 1,193 |
| Efficiency ratio | 55.4121% | 5,726 |
| Assets per employee ($millions) | 4.2119% | 3,514 |
| Cash dividends to net income (ytd only)* | 90.3630% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3350% | 6,366 |
| Loan loss allowance to noncurrent loans | 16.5517% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 2.5104% | 920 |
| Noncurrent loans to loans | 2.0238% | 1,367 |
| Net loans and leases to total assets | 67.8147% | 2,586 |
| Net loans and leases to deposits | 83.7075% | 2,247 |
| Net loans and leases to core deposits | 93.1108% | 1,980 |
| Total domestic deposits to total assets | 81.0140% | 4,747 |
| Equity capital to assets | 13.6139% | 1,110 |
| Core capital (leverage) ratio | 13.7812% | 870 |
| Tier 1 risk-based capital ratio | 21.5577% | 1,300 |
| Total risk-based capital ratio | 21.9184% | 1,447 |
| Memoranda: | ||
| Average total assets | $64,899,200 | 5,422 |
| Average earning assets | $59,098,600 | 5,424 |
| Average equity | $8,351,600 | 5,115 |
| Average total loans | $40,583,800 | 5,153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 330 |
| Cost of funding earning assets | 0.5067% | 2,692 |
| Net interest margin | 4.9660% | 319 |
| Noninterest income to average assets | 1.0123% | 1,195 |
| Noninterest expense to average assets | 3.0450% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4878% | 148 |
| Return on assets (ROA) | 2.4878% | 150 |
| Pretax return on assets | 2.4878% | 215 |
| Return on Equity (ROE) | 19.6072% | 304 |
| Retained earnings to average equity (ytd only) | 1.0134% | 5,479 |
| Net charge-offs to loans | 0.1401% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 29.0230% | 1,403 |
| Efficiency ratio | 55.0350% | 5,742 |
| Assets per employee ($millions) | 4.4543% | 3,047 |
| Cash dividends to net income (ytd only)* | 94.8317% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2894% | 6,469 |
| Loan loss allowance to noncurrent loans | 17.1548% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1762% | 1,275 |
| Noncurrent loans to loans | 1.6871% | 1,930 |
| Net loans and leases to total assets | 63.4244% | 3,276 |
| Net loans and leases to deposits | 75.3905% | 3,256 |
| Net loans and leases to core deposits | 83.2390% | 2,969 |
| Total domestic deposits to total assets | 84.1278% | 3,710 |
| Equity capital to assets | 12.7247% | 1,570 |
| Core capital (leverage) ratio | 12.9959% | 1,177 |
| Tier 1 risk-based capital ratio | 20.9510% | 1,463 |
| Total risk-based capital ratio | 21.2536% | 1,644 |
| Memoranda: | ||
| Average total assets | $65,329,500 | 5,470 |
| Average earning assets | $59,469,000 | 5,469 |
| Average equity | $8,289,250 | 5,172 |
| Average total loans | $39,982,750 | 5,241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 398 |
| Cost of funding earning assets | 0.5144% | 2,677 |
| Net interest margin | 4.8431% | 383 |
| Noninterest income to average assets | 1.0087% | 1,177 |
| Noninterest expense to average assets | 3.0447% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3784% | 171 |
| Return on assets (ROA) | 2.3784% | 173 |
| Pretax return on assets | 2.3784% | 263 |
| Return on Equity (ROE) | 18.7629% | 386 |
| Retained earnings to average equity (ytd only) | -2.3362% | 6,034 |
| Net charge-offs to loans | 0.1328% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 29.6538% | 1,265 |
| Efficiency ratio | 56.1433% | 5,733 |
| Assets per employee ($millions) | 4.3693% | 3,139 |
| Cash dividends to net income (ytd only)* | 112.4514% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3420% | 6,516 |
| Loan loss allowance to noncurrent loans | 17.2243% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 2.3528% | 1,245 |
| Noncurrent loans to loans | 1.9857% | 1,697 |
| Net loans and leases to total assets | 61.7968% | 3,436 |
| Net loans and leases to deposits | 73.3860% | 3,403 |
| Net loans and leases to core deposits | 84.9969% | 2,616 |
| Total domestic deposits to total assets | 84.2079% | 3,853 |
| Equity capital to assets | 12.7680% | 1,510 |
| Core capital (leverage) ratio | 12.8088% | 1,236 |
| Tier 1 risk-based capital ratio | 21.2612% | 1,397 |
| Total risk-based capital ratio | 21.6148% | 1,572 |
| Memoranda: | ||
| Average total assets | $64,834,330 | 5,534 |
| Average earning assets | $59,094,670 | 5,530 |
| Average equity | $8,218,330 | 5,208 |
| Average total loans | $39,143,670 | 5,310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 412 |
| Cost of funding earning assets | 0.5254% | 2,656 |
| Net interest margin | 4.7697% | 402 |
| Noninterest income to average assets | 1.0980% | 927 |
| Noninterest expense to average assets | 3.0334% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.4007% | 174 |
| Return on assets (ROA) | 2.4007% | 186 |
| Pretax return on assets | 2.4007% | 264 |
| Return on Equity (ROE) | 19.0090% | 357 |
| Retained earnings to average equity (ytd only) | -9.3817% | 6,339 |
| Net charge-offs to loans | 0.2084% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.3500% | 1,380 |
| Efficiency ratio | 55.8219% | 5,853 |
| Assets per employee ($millions) | 4.3537% | 3,243 |
| Cash dividends to net income (ytd only)* | 149.3540% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3729% | 6,574 |
| Loan loss allowance to noncurrent loans | 13.2541% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 2.8895% | 1,008 |
| Noncurrent loans to loans | 2.8131% | 1,177 |
| Net loans and leases to total assets | 59.3278% | 3,661 |
| Net loans and leases to deposits | 69.9716% | 3,605 |
| Net loans and leases to core deposits | 81.1155% | 2,841 |
| Total domestic deposits to total assets | 84.7883% | 3,958 |
| Equity capital to assets | 12.3528% | 1,658 |
| Core capital (leverage) ratio | 12.8521% | 1,221 |
| Tier 1 risk-based capital ratio | 21.6729% | 1,345 |
| Total risk-based capital ratio | 22.0532% | 1,486 |
| Memoranda: | ||
| Average total assets | $64,482,000 | 5,612 |
| Average earning assets | $58,620,000 | 5,599 |
| Average equity | $8,143,500 | 5,249 |
| Average total loans | $38,395,500 | 5,377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 382 |
| Cost of funding earning assets | 0.5820% | 2,819 |
| Net interest margin | 4.8919% | 369 |
| Noninterest income to average assets | 1.3222% | 789 |
| Noninterest expense to average assets | 3.1861% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.5790% | 155 |
| Return on assets (ROA) | 2.5790% | 160 |
| Pretax return on assets | 2.5790% | 184 |
| Return on Equity (ROE) | 19.3455% | 318 |
| Retained earnings to average equity (ytd only) | 1.6203% | 5,061 |
| Net charge-offs to loans | 0.0874% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 47.7576% | 823 |
| Efficiency ratio | 55.2654% | 6,024 |
| Assets per employee ($millions) | 3.9787% | 3,903 |
| Cash dividends to net income (ytd only)* | 91.6244% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4353% | 6,616 |
| Loan loss allowance to noncurrent loans | 16.1133% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 2.7019% | 1,239 |
| Noncurrent loans to loans | 2.7017% | 1,351 |
| Net loans and leases to total assets | 59.2799% | 3,828 |
| Net loans and leases to deposits | 70.3943% | 3,731 |
| Net loans and leases to core deposits | 81.1095% | 2,996 |
| Total domestic deposits to total assets | 84.2112% | 4,089 |
| Equity capital to assets | 12.9125% | 1,314 |
| Core capital (leverage) ratio | 13.4504% | 974 |
| Tier 1 risk-based capital ratio | 23.0323% | 1,091 |
| Total risk-based capital ratio | 23.4818% | 1,199 |
| Memoranda: | ||
| Average total assets | $61,108,600 | 5,728 |
| Average earning assets | $55,500,400 | 5,715 |
| Average equity | $8,146,600 | 5,298 |
| Average total loans | $37,768,400 | 5,436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 353 |
| Cost of funding earning assets | 0.5935% | 2,863 |
| Net interest margin | 4.9378% | 350 |
| Noninterest income to average assets | 1.4927% | 662 |
| Noninterest expense to average assets | 3.1485% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.8200% | 131 |
| Return on assets (ROA) | 2.8200% | 134 |
| Pretax return on assets | 2.8200% | 164 |
| Return on Equity (ROE) | 20.9798% | 241 |
| Retained earnings to average equity (ytd only) | 2.0177% | 5,122 |
| Net charge-offs to loans | 0.0671% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 67.3229% | 680 |
| Efficiency ratio | 52.7521% | 6,199 |
| Assets per employee ($millions) | 4.1538% | 3,525 |
| Cash dividends to net income (ytd only)* | 90.3829% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4760% | 6,675 |
| Loan loss allowance to noncurrent loans | 16.6822% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 2.8969% | 1,285 |
| Noncurrent loans to loans | 2.8536% | 1,447 |
| Net loans and leases to total assets | 60.0623% | 3,685 |
| Net loans and leases to deposits | 71.7245% | 3,543 |
| Net loans and leases to core deposits | 79.7762% | 3,151 |
| Total domestic deposits to total assets | 83.7402% | 4,299 |
| Equity capital to assets | 13.0932% | 1,289 |
| Core capital (leverage) ratio | 13.7070% | 950 |
| Tier 1 risk-based capital ratio | 22.9330% | 1,159 |
| Total risk-based capital ratio | 23.4190% | 1,271 |
| Memoranda: | ||
| Average total assets | $60,471,000 | 5,808 |
| Average earning assets | $54,814,000 | 5,802 |
| Average equity | $8,128,250 | 5,358 |
| Average total loans | $37,735,000 | 5,487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 364 |
| Cost of funding earning assets | 0.6012% | 2,925 |
| Net interest margin | 4.9133% | 356 |
| Noninterest income to average assets | 1.6004% | 617 |
| Noninterest expense to average assets | 3.0772% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.9737% | 116 |
| Return on assets (ROA) | 2.9737% | 119 |
| Pretax return on assets | 2.9737% | 148 |
| Return on Equity (ROE) | 21.9257% | 207 |
| Retained earnings to average equity (ytd only) | 0.5913% | 5,663 |
| Net charge-offs to loans | -0.0212% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8559% | 6,366 |
| Assets per employee ($millions) | 3.5594% | 4,730 |
| Cash dividends to net income (ytd only)* | 97.3034% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 6,674 |
| Loan loss allowance to noncurrent loans | 21.0417% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 2.7798% | 1,492 |
| Noncurrent loans to loans | 2.5629% | 1,798 |
| Net loans and leases to total assets | 61.5710% | 3,375 |
| Net loans and leases to deposits | 73.8635% | 3,176 |
| Net loans and leases to core deposits | 82.0942% | 2,788 |
| Total domestic deposits to total assets | 83.3578% | 4,566 |
| Equity capital to assets | 13.5236% | 1,125 |
| Core capital (leverage) ratio | 13.7636% | 893 |
| Tier 1 risk-based capital ratio | 22.9930% | 1,136 |
| Total risk-based capital ratio | 23.5495% | 1,216 |
| Memoranda: | ||
| Average total assets | $59,859,000 | 5,856 |
| Average earning assets | $54,220,670 | 5,856 |
| Average equity | $8,118,330 | 5,404 |
| Average total loans | $37,779,330 | 5,515 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4855% | 378 |
| Cost of funding earning assets | 0.6087% | 3,027 |
| Net interest margin | 4.8768% | 352 |
| Noninterest income to average assets | 1.1288% | 1,173 |
| Noninterest expense to average assets | 2.9966% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.5464% | 151 |
| Return on assets (ROA) | 2.5464% | 163 |
| Pretax return on assets | 2.5464% | 254 |
| Return on Equity (ROE) | 18.7485% | 378 |
| Retained earnings to average equity (ytd only) | -9.8442% | 6,611 |
| Net charge-offs to loans | -0.0527% | 6,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0606% | 6,226 |
| Assets per employee ($millions) | 3.7869% | 4,380 |
| Cash dividends to net income (ytd only)* | 152.5066% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 6,762 |
| Loan loss allowance to noncurrent loans | 106.2827% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 3,473 |
| Noncurrent loans to loans | 0.5047% | 5,166 |
| Net loans and leases to total assets | 62.1181% | 3,038 |
| Net loans and leases to deposits | 74.1402% | 2,899 |
| Net loans and leases to core deposits | 82.5630% | 2,508 |
| Total domestic deposits to total assets | 83.7847% | 4,561 |
| Equity capital to assets | 13.2429% | 1,322 |
| Core capital (leverage) ratio | 13.5967% | 912 |
| Tier 1 risk-based capital ratio | 22.1695% | 1,299 |
| Total risk-based capital ratio | 22.7234% | 1,406 |
| Memoranda: | ||
| Average total assets | $59,534,000 | 5,914 |
| Average earning assets | $53,887,500 | 5,903 |
| Average equity | $8,086,000 | 5,464 |
| Average total loans | $37,940,000 | 5,545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9477% | 288 |
| Cost of funding earning assets | 0.7129% | 3,384 |
| Net interest margin | 5.2348% | 257 |
| Noninterest income to average assets | 1.1023% | 1,277 |
| Noninterest expense to average assets | 3.3733% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.4632% | 159 |
| Return on assets (ROA) | 2.4564% | 177 |
| Pretax return on assets | 2.4564% | 271 |
| Return on Equity (ROE) | 19.0552% | 355 |
| Retained earnings to average equity (ytd only) | 9.5144% | 694 |
| Net charge-offs to loans | 0.0366% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 103.4286% | 374 |
| Efficiency ratio | 57.7966% | 5,862 |
| Assets per employee ($millions) | 3.6548% | 4,663 |
| Cash dividends to net income (ytd only)* | 50.0693% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 6,825 |
| Loan loss allowance to noncurrent loans | 45.6221% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 1.7306% | 2,801 |
| Noncurrent loans to loans | 1.1409% | 3,942 |
| Net loans and leases to total assets | 64.7109% | 2,770 |
| Net loans and leases to deposits | 77.9295% | 2,545 |
| Net loans and leases to core deposits | 86.9129% | 2,200 |
| Total domestic deposits to total assets | 83.0378% | 4,711 |
| Equity capital to assets | 13.9337% | 1,077 |
| Core capital (leverage) ratio | 14.1694% | 754 |
| Tier 1 risk-based capital ratio | 22.5315% | 1,180 |
| Total risk-based capital ratio | 23.0676% | 1,272 |
| Memoranda: | ||
| Average total assets | $58,785,200 | 5,951 |
| Average earning assets | $53,163,800 | 5,951 |
| Average equity | $7,578,000 | 5,615 |
| Average total loans | $38,285,000 | 5,578 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9064% | 329 |
| Cost of funding earning assets | 0.7205% | 3,587 |
| Net interest margin | 5.1860% | 301 |
| Noninterest income to average assets | 1.0737% | 1,310 |
| Noninterest expense to average assets | 3.2867% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4826% | 179 |
| Return on assets (ROA) | 2.4803% | 195 |
| Pretax return on assets | 2.4803% | 305 |
| Return on Equity (ROE) | 19.6350% | 348 |
| Retained earnings to average equity (ytd only) | 9.2707% | 1,130 |
| Net charge-offs to loans | -0.0174% | 6,471 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9690% | 5,921 |
| Assets per employee ($millions) | 3.7019% | 4,538 |
| Cash dividends to net income (ytd only)* | 52.7857% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 6,908 |
| Loan loss allowance to noncurrent loans | 125.4335% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 3,541 |
| Noncurrent loans to loans | 0.4462% | 5,556 |
| Net loans and leases to total assets | 65.0994% | 2,818 |
| Net loans and leases to deposits | 78.3083% | 2,622 |
| Net loans and leases to core deposits | 87.6321% | 2,255 |
| Total domestic deposits to total assets | 83.1321% | 4,590 |
| Equity capital to assets | 13.6297% | 1,293 |
| Core capital (leverage) ratio | 13.7724% | 914 |
| Tier 1 risk-based capital ratio | 21.6700% | 1,386 |
| Total risk-based capital ratio | 22.2492% | 1,490 |
| Memoranda: | ||
| Average total assets | $58,862,250 | 6,014 |
| Average earning assets | $53,296,500 | 6,016 |
| Average equity | $7,435,500 | 5,713 |
| Average total loans | $38,346,500 | 5,639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8766% | 358 |
| Cost of funding earning assets | 0.7350% | 3,725 |
| Net interest margin | 5.1415% | 318 |
| Noninterest income to average assets | 1.0589% | 1,290 |
| Noninterest expense to average assets | 3.2244% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.4787% | 185 |
| Return on assets (ROA) | 2.4787% | 210 |
| Pretax return on assets | 2.4787% | 309 |
| Return on Equity (ROE) | 20.1578% | 349 |
| Retained earnings to average equity (ytd only) | 8.1407% | 1,591 |
| Net charge-offs to loans | -0.0314% | 6,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5373% | 6,058 |
| Assets per employee ($millions) | 3.6948% | 4,532 |
| Cash dividends to net income (ytd only)* | 59.6154% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 6,955 |
| Loan loss allowance to noncurrent loans | 77.0318% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 3,801 |
| Noncurrent loans to loans | 0.7469% | 5,015 |
| Net loans and leases to total assets | 63.7279% | 3,095 |
| Net loans and leases to deposits | 75.9802% | 2,998 |
| Net loans and leases to core deposits | 85.1197% | 2,540 |
| Total domestic deposits to total assets | 83.8744% | 4,362 |
| Equity capital to assets | 13.0081% | 1,517 |
| Core capital (leverage) ratio | 13.4883% | 982 |
| Tier 1 risk-based capital ratio | 21.4113% | 1,404 |
| Total risk-based capital ratio | 22.0025% | 1,502 |
| Memoranda: | ||
| Average total assets | $58,739,330 | 6,055 |
| Average earning assets | $53,058,000 | 6,060 |
| Average equity | $7,223,000 | 5,780 |
| Average total loans | $38,203,330 | 5,677 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8683% | 374 |
| Cost of funding earning assets | 0.7421% | 3,929 |
| Net interest margin | 5.1263% | 328 |
| Noninterest income to average assets | 1.1136% | 1,140 |
| Noninterest expense to average assets | 3.3680% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3706% | 215 |
| Return on assets (ROA) | 2.3706% | 265 |
| Pretax return on assets | 2.3706% | 409 |
| Return on Equity (ROE) | 19.8584% | 398 |
| Retained earnings to average equity (ytd only) | 3.3193% | 4,573 |
| Net charge-offs to loans | -0.0730% | 6,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6905% | 5,816 |
| Assets per employee ($millions) | 3.7258% | 4,593 |
| Cash dividends to net income (ytd only)* | 83.2853% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 7,008 |
| Loan loss allowance to noncurrent loans | 64.4118% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 3,444 |
| Noncurrent loans to loans | 0.8880% | 4,892 |
| Net loans and leases to total assets | 63.8647% | 2,875 |
| Net loans and leases to deposits | 75.5707% | 2,870 |
| Net loans and leases to core deposits | 82.8261% | 2,710 |
| Total domestic deposits to total assets | 84.5098% | 4,268 |
| Equity capital to assets | 12.4874% | 1,731 |
| Core capital (leverage) ratio | 13.2538% | 1,038 |
| Tier 1 risk-based capital ratio | 19.8466% | 1,745 |
| Total risk-based capital ratio | 20.4141% | 1,910 |
| Memoranda: | ||
| Average total assets | $58,550,500 | 6,107 |
| Average earning assets | $52,826,000 | 6,105 |
| Average equity | $6,989,500 | 5,877 |
| Average total loans | $38,359,000 | 5,716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1338% | 345 |
| Cost of funding earning assets | 0.8964% | 4,147 |
| Net interest margin | 5.2374% | 266 |
| Noninterest income to average assets | 1.0704% | 1,166 |
| Noninterest expense to average assets | 3.3110% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.4953% | 132 |
| Return on assets (ROA) | 1.6778% | 615 |
| Pretax return on assets | 1.6778% | 1,041 |
| Return on Equity (ROE) | 15.1299% | 728 |
| Retained earnings to average equity (ytd only) | 3.4605% | 3,758 |
| Net charge-offs to loans | 0.1174% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 32.2222% | 802 |
| Efficiency ratio | 57.0243% | 6,184 |
| Assets per employee ($millions) | 3.5931% | 4,785 |
| Cash dividends to net income (ytd only)* | 77.1282% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 7,064 |
| Loan loss allowance to noncurrent loans | 41.0058% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 1.4020% | 3,886 |
| Noncurrent loans to loans | 1.3454% | 4,128 |
| Net loans and leases to total assets | 66.4753% | 2,691 |
| Net loans and leases to deposits | 77.6937% | 2,890 |
| Net loans and leases to core deposits | 84.6348% | 2,793 |
| Total domestic deposits to total assets | 85.5607% | 3,563 |
| Equity capital to assets | 11.3674% | 2,622 |
| Core capital (leverage) ratio | 13.1462% | 1,088 |
| Tier 1 risk-based capital ratio | 19.6028% | 1,728 |
| Total risk-based capital ratio | 20.1496% | 1,891 |
| Memoranda: | ||
| Average total assets | $58,110,200 | 6,102 |
| Average earning assets | $52,545,000 | 6,107 |
| Average equity | $6,444,200 | 6,029 |
| Average total loans | $38,314,800 | 5,765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1513% | 358 |
| Cost of funding earning assets | 0.9339% | 4,173 |
| Net interest margin | 5.2174% | 277 |
| Noninterest income to average assets | 1.0732% | 1,168 |
| Noninterest expense to average assets | 3.2586% | 2,639 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.5446% | 147 |
| Return on assets (ROA) | 1.4577% | 1,106 |
| Pretax return on assets | 1.4577% | 1,765 |
| Return on Equity (ROE) | 13.2260% | 1,223 |
| Retained earnings to average equity (ytd only) | 1.2249% | 5,525 |
| Net charge-offs to loans | 0.0522% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 74.1315% | 460 |
| Efficiency ratio | 56.1514% | 6,263 |
| Assets per employee ($millions) | 3.6165% | 4,719 |
| Cash dividends to net income (ytd only)* | 90.7384% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 7,036 |
| Loan loss allowance to noncurrent loans | 396.7213% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 5,797 |
| Noncurrent loans to loans | 0.1606% | 6,546 |
| Net loans and leases to total assets | 65.2115% | 3,062 |
| Net loans and leases to deposits | 75.9969% | 3,331 |
| Net loans and leases to core deposits | 83.8217% | 3,087 |
| Total domestic deposits to total assets | 85.8081% | 3,322 |
| Equity capital to assets | 11.0397% | 3,102 |
| Core capital (leverage) ratio | 12.8459% | 1,273 |
| Tier 1 risk-based capital ratio | 17.9925% | 2,258 |
| Total risk-based capital ratio | 18.5779% | 2,476 |
| Memoranda: | ||
| Average total assets | $58,265,500 | 6,140 |
| Average earning assets | $52,821,750 | 6,137 |
| Average equity | $6,421,500 | 6,078 |
| Average total loans | $38,286,500 | 5,824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1178% | 373 |
| Cost of funding earning assets | 0.9719% | 4,157 |
| Net interest margin | 5.1459% | 309 |
| Noninterest income to average assets | 1.0514% | 1,190 |
| Noninterest expense to average assets | 3.2466% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.4829% | 170 |
| Return on assets (ROA) | 1.9076% | 434 |
| Pretax return on assets | 1.9076% | 699 |
| Return on Equity (ROE) | 17.3178% | 523 |
| Retained earnings to average equity (ytd only) | 3.8553% | 3,749 |
| Net charge-offs to loans | 0.1042% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 801 |
| Efficiency ratio | 56.6647% | 6,337 |
| Assets per employee ($millions) | 3.6168% | 4,646 |
| Cash dividends to net income (ytd only)* | 77.7379% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6284% | 7,107 |
| Loan loss allowance to noncurrent loans | 316.0000% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 5,788 |
| Noncurrent loans to loans | 0.1989% | 6,511 |
| Net loans and leases to total assets | 64.7618% | 3,306 |
| Net loans and leases to deposits | 75.8229% | 3,512 |
| Net loans and leases to core deposits | 83.8449% | 3,237 |
| Total domestic deposits to total assets | 85.4119% | 3,669 |
| Equity capital to assets | 11.5882% | 2,425 |
| Core capital (leverage) ratio | 12.8077% | 1,246 |
| Tier 1 risk-based capital ratio | 19.5916% | 1,693 |
| Total risk-based capital ratio | 20.2105% | 1,823 |
| Memoranda: | ||
| Average total assets | $58,399,330 | 6,194 |
| Average earning assets | $53,090,670 | 6,181 |
| Average equity | $6,432,670 | 6,107 |
| Average total loans | $38,390,000 | 5,872 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1488% | 364 |
| Cost of funding earning assets | 0.9997% | 4,206 |
| Net interest margin | 5.1490% | 280 |
| Noninterest income to average assets | 1.0500% | 1,194 |
| Noninterest expense to average assets | 3.2865% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.4342% | 193 |
| Return on assets (ROA) | 0.4977% | 4,582 |
| Pretax return on assets | 0.4977% | 5,037 |
| Return on Equity (ROE) | 4.6379% | 4,582 |
| Retained earnings to average equity (ytd only) | -13.7230% | 7,002 |
| Net charge-offs to loans | -0.0207% | 6,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4493% | 6,330 |
| Assets per employee ($millions) | 3.7306% | 4,474 |
| Cash dividends to net income (ytd only)* | 395.8904% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 7,115 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,377 |
| Noncurrent loans to loans | 0.9358% | 5,164 |
| Net loans and leases to total assets | 64.7339% | 3,300 |
| Net loans and leases to deposits | 74.5250% | 3,680 |
| Net loans and leases to core deposits | 82.3262% | 3,412 |
| Total domestic deposits to total assets | 86.8619% | 3,017 |
| Equity capital to assets | 10.2649% | 3,452 |
| Core capital (leverage) ratio | 12.2536% | 1,430 |
| Tier 1 risk-based capital ratio | 17.9530% | 2,130 |
| Total risk-based capital ratio | 18.6048% | 2,329 |
| Memoranda: | ||
| Average total assets | $58,664,500 | 6,235 |
| Average earning assets | $53,214,000 | 6,225 |
| Average equity | $6,296,000 | 6,155 |
| Average total loans | $38,728,000 | 5,903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4954% | 325 |
| Cost of funding earning assets | 1.1969% | 4,578 |
| Net interest margin | 5.2986% | 243 |
| Noninterest income to average assets | 0.9693% | 1,610 |
| Noninterest expense to average assets | 3.4050% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.3680% | 141 |
| Return on assets (ROA) | 2.0419% | 276 |
| Pretax return on assets | 2.0419% | 444 |
| Return on Equity (ROE) | 17.8172% | 393 |
| Retained earnings to average equity (ytd only) | 6.4366% | 1,592 |
| Net charge-offs to loans | 0.0270% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 132.9000% | 189 |
| Efficiency ratio | 58.9815% | 6,202 |
| Assets per employee ($millions) | 3.6025% | 4,701 |
| Cash dividends to net income (ytd only)* | 63.8743% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 7,177 |
| Loan loss allowance to noncurrent loans | 330.7692% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,693 |
| Noncurrent loans to loans | 0.2023% | 6,659 |
| Net loans and leases to total assets | 66.4452% | 3,369 |
| Net loans and leases to deposits | 77.4406% | 3,598 |
| Net loans and leases to core deposits | 86.2163% | 3,291 |
| Total domestic deposits to total assets | 85.8015% | 3,453 |
| Equity capital to assets | 11.2162% | 2,485 |
| Core capital (leverage) ratio | 12.6143% | 1,267 |
| Tier 1 risk-based capital ratio | 18.7294% | 1,783 |
| Total risk-based capital ratio | 19.3842% | 1,923 |
| Memoranda: | ||
| Average total assets | $56,123,800 | 6,335 |
| Average earning assets | $50,881,800 | 6,332 |
| Average equity | $6,432,000 | 6,222 |
| Average total loans | $37,074,000 | 6,065 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4875% | 350 |
| Cost of funding earning assets | 1.2119% | 4,790 |
| Net interest margin | 5.2756% | 254 |
| Noninterest income to average assets | 0.9185% | 1,732 |
| Noninterest expense to average assets | 3.4227% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2746% | 202 |
| Return on assets (ROA) | 2.2483% | 230 |
| Pretax return on assets | 2.2483% | 374 |
| Return on Equity (ROE) | 19.5104% | 341 |
| Retained earnings to average equity (ytd only) | 7.3060% | 1,697 |
| Net charge-offs to loans | 0.0291% | 6,271 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 118.8351% | 270 |
| Efficiency ratio | 60.0756% | 5,938 |
| Assets per employee ($millions) | 3.8069% | 4,251 |
| Cash dividends to net income (ytd only)* | 62.5533% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 7,229 |
| Loan loss allowance to noncurrent loans | 346.6667% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 5,095 |
| Noncurrent loans to loans | 0.1961% | 6,788 |
| Net loans and leases to total assets | 66.5347% | 3,566 |
| Net loans and leases to deposits | 77.8566% | 3,854 |
| Net loans and leases to core deposits | 87.6650% | 3,421 |
| Total domestic deposits to total assets | 85.4581% | 3,375 |
| Equity capital to assets | 11.4615% | 2,561 |
| Core capital (leverage) ratio | 12.7650% | 1,312 |
| Tier 1 risk-based capital ratio | 18.8834% | 1,779 |
| Total risk-based capital ratio | 19.5545% | 1,888 |
| Memoranda: | ||
| Average total assets | $55,744,750 | 6,424 |
| Average earning assets | $50,495,500 | 6,420 |
| Average equity | $6,423,750 | 6,311 |
| Average total loans | $36,703,250 | 6,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4046% | 408 |
| Cost of funding earning assets | 1.2178% | 5,031 |
| Net interest margin | 5.1867% | 292 |
| Noninterest income to average assets | 0.8898% | 1,726 |
| Noninterest expense to average assets | 3.4038% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1848% | 238 |
| Return on assets (ROA) | 2.1450% | 277 |
| Pretax return on assets | 2.1450% | 452 |
| Return on Equity (ROE) | 18.5796% | 419 |
| Retained earnings to average equity (ytd only) | 4.6997% | 3,084 |
| Net charge-offs to loans | 0.0111% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 302.0000% | 110 |
| Efficiency ratio | 60.9061% | 5,876 |
| Assets per employee ($millions) | 3.5415% | 4,815 |
| Cash dividends to net income (ytd only)* | 74.7049% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 7,216 |
| Loan loss allowance to noncurrent loans | 443.3333% | 710 |
| Noncurrent assets plus other real estate owned to assets | 1.1771% | 4,785 |
| Noncurrent loans to loans | 0.1609% | 6,939 |
| Net loans and leases to total assets | 65.3201% | 3,980 |
| Net loans and leases to deposits | 76.2856% | 4,277 |
| Net loans and leases to core deposits | 86.0747% | 3,816 |
| Total domestic deposits to total assets | 85.6258% | 3,302 |
| Equity capital to assets | 11.4905% | 2,452 |
| Core capital (leverage) ratio | 12.6338% | 1,354 |
| Tier 1 risk-based capital ratio | 18.4762% | 1,838 |
| Total risk-based capital ratio | 19.1669% | 1,948 |
| Memoranda: | ||
| Average total assets | $55,291,670 | 6,479 |
| Average earning assets | $50,089,330 | 6,473 |
| Average equity | $6,383,330 | 6,343 |
| Average total loans | $36,186,330 | 6,238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4111% | 423 |
| Cost of funding earning assets | 1.2142% | 5,319 |
| Net interest margin | 5.1969% | 293 |
| Noninterest income to average assets | 0.9083% | 1,593 |
| Noninterest expense to average assets | 3.5821% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0291% | 331 |
| Return on assets (ROA) | 1.9485% | 413 |
| Pretax return on assets | 1.9485% | 668 |
| Return on Equity (ROE) | 16.8368% | 622 |
| Retained earnings to average equity (ytd only) | -1.4558% | 6,114 |
| Net charge-offs to loans | 0.0112% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 120 |
| Efficiency ratio | 63.8381% | 5,530 |
| Assets per employee ($millions) | 3.7467% | 4,442 |
| Cash dividends to net income (ytd only)* | 108.6466% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 7,271 |
| Loan loss allowance to noncurrent loans | 136.2245% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 4,837 |
| Noncurrent loans to loans | 0.5435% | 6,202 |
| Net loans and leases to total assets | 63.6964% | 4,395 |
| Net loans and leases to deposits | 74.1144% | 4,721 |
| Net loans and leases to core deposits | 84.3934% | 4,154 |
| Total domestic deposits to total assets | 85.9433% | 3,179 |
| Equity capital to assets | 11.3254% | 2,483 |
| Core capital (leverage) ratio | 12.6774% | 1,335 |
| Tier 1 risk-based capital ratio | 18.4618% | 1,843 |
| Total risk-based capital ratio | 19.1719% | 1,933 |
| Memoranda: | ||
| Average total assets | $54,605,500 | 6,586 |
| Average earning assets | $49,414,000 | 6,575 |
| Average equity | $6,319,500 | 6,409 |
| Average total loans | $35,640,000 | 6,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8066% | 376 |
| Cost of funding earning assets | 1.4513% | 5,718 |
| Net interest margin | 5.3552% | 227 |
| Noninterest income to average assets | 1.0401% | 1,438 |
| Noninterest expense to average assets | 3.7180% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.1541% | 164 |
| Return on assets (ROA) | 1.8011% | 378 |
| Pretax return on assets | 1.8011% | 634 |
| Return on Equity (ROE) | 14.8793% | 686 |
| Retained earnings to average equity (ytd only) | 3.4023% | 2,787 |
| Net charge-offs to loans | 0.0399% | 6,713 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 87.3077% | 315 |
| Efficiency ratio | 63.3161% | 5,908 |
| Assets per employee ($millions) | 3.5340% | 4,937 |
| Cash dividends to net income (ytd only)* | 77.1338% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 7,226 |
| Loan loss allowance to noncurrent loans | 8,933.3333% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,828 |
| Noncurrent loans to loans | 0.0085% | 7,422 |
| Net loans and leases to total assets | 65.9253% | 4,166 |
| Net loans and leases to deposits | 80.0729% | 3,974 |
| Net loans and leases to core deposits | 113.3723% | 2,555 |
| Total domestic deposits to total assets | 82.3316% | 4,801 |
| Equity capital to assets | 11.8355% | 2,115 |
| Core capital (leverage) ratio | 13.2900% | 1,158 |
| Tier 1 risk-based capital ratio | 16.3609% | 2,372 |
| Total risk-based capital ratio | 16.9904% | 2,566 |
| Memoranda: | ||
| Average total assets | $52,689,000 | 6,605 |
| Average earning assets | $47,542,400 | 6,616 |
| Average equity | $6,378,000 | 6,471 |
| Average total loans | $32,572,200 | 6,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8186% | 402 |
| Cost of funding earning assets | 1.5105% | 5,775 |
| Net interest margin | 5.3080% | 246 |
| Noninterest income to average assets | 1.0137% | 1,551 |
| Noninterest expense to average assets | 3.6596% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1365% | 216 |
| Return on assets (ROA) | 1.9616% | 341 |
| Pretax return on assets | 1.9616% | 582 |
| Return on Equity (ROE) | 16.1145% | 638 |
| Retained earnings to average equity (ytd only) | 3.9141% | 3,098 |
| Net charge-offs to loans | 0.0042% | 6,923 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 845.0902% | 32 |
| Efficiency ratio | 63.1395% | 5,900 |
| Assets per employee ($millions) | 3.2380% | 5,552 |
| Cash dividends to net income (ytd only)* | 75.7105% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 7,005 |
| Loan loss allowance to noncurrent loans | 400.0000% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 6,142 |
| Noncurrent loans to loans | 0.2087% | 6,978 |
| Net loans and leases to total assets | 64.2102% | 4,820 |
| Net loans and leases to deposits | 78.6059% | 4,637 |
| Net loans and leases to core deposits | 106.8787% | 3,605 |
| Total domestic deposits to total assets | 81.6862% | 4,809 |
| Equity capital to assets | 12.5347% | 1,929 |
| Core capital (leverage) ratio | 13.4399% | 1,247 |
| Tier 1 risk-based capital ratio | 16.4275% | 2,462 |
| Total risk-based capital ratio | 17.0906% | 2,623 |
| Memoranda: | ||
| Average total assets | $52,608,750 | 6,655 |
| Average earning assets | $47,398,750 | 6,670 |
| Average equity | $6,404,000 | 6,521 |
| Average total loans | $31,911,500 | 6,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8347% | 423 |
| Cost of funding earning assets | 1.6279% | 5,622 |
| Net interest margin | 5.2068% | 296 |
| Noninterest income to average assets | 0.9721% | 1,686 |
| Noninterest expense to average assets | 3.6614% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0009% | 295 |
| Return on assets (ROA) | 2.0009% | 325 |
| Pretax return on assets | 2.0047% | 561 |
| Return on Equity (ROE) | 16.5987% | 633 |
| Retained earnings to average equity (ytd only) | 2.7612% | 3,792 |
| Net charge-offs to loans | -0.0064% | 7,557 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6195% | 5,784 |
| Assets per employee ($millions) | 3.2679% | 5,407 |
| Cash dividends to net income (ytd only)* | 83.3648% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.9073% | 5,535 |
| Net loans and leases to deposits | 71.6784% | 5,780 |
| Net loans and leases to core deposits | 100.2834% | 4,479 |
| Total domestic deposits to total assets | 84.9730% | 3,277 |
| Equity capital to assets | 12.1926% | 2,096 |
| Core capital (leverage) ratio | 12.8964% | 1,466 |
| Tier 1 risk-based capital ratio | 16.8080% | 2,363 |
| Total risk-based capital ratio | 17.5013% | 2,476 |
| Memoranda: | ||
| Average total assets | $52,875,670 | 6,701 |
| Average earning assets | $47,668,670 | 6,723 |
| Average equity | $6,374,000 | 6,584 |
| Average total loans | $31,366,670 | 6,649 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7934% | 485 |
| Cost of funding earning assets | 1.7400% | 5,419 |
| Net interest margin | 5.0534% | 359 |
| Noninterest income to average assets | 0.9479% | 1,649 |
| Noninterest expense to average assets | 3.7765% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7378% | 598 |
| Return on assets (ROA) | 1.7378% | 653 |
| Pretax return on assets | 1.7378% | 1,104 |
| Return on Equity (ROE) | 14.4975% | 1,069 |
| Retained earnings to average equity (ytd only) | -3.6401% | 6,378 |
| Net charge-offs to loans | -0.0387% | 7,629 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4857% | 4,869 |
| Assets per employee ($millions) | 3.3675% | 5,162 |
| Cash dividends to net income (ytd only)* | 125.1082% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,675 |
| Loan loss allowance to noncurrent loans | 525.9259% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 7,289 |
| Noncurrent loans to loans | 0.1740% | 7,027 |
| Net loans and leases to total assets | 57.0638% | 6,089 |
| Net loans and leases to deposits | 66.7057% | 6,309 |
| Net loans and leases to core deposits | 94.7226% | 5,089 |
| Total domestic deposits to total assets | 85.5457% | 2,946 |
| Equity capital to assets | 11.8411% | 2,355 |
| Core capital (leverage) ratio | 12.5898% | 1,653 |
| Tier 1 risk-based capital ratio | 16.9659% | 2,352 |
| Total risk-based capital ratio | 17.6860% | 2,479 |
| Memoranda: | ||
| Average total assets | $53,170,500 | 6,735 |
| Average earning assets | $48,046,500 | 6,746 |
| Average equity | $6,373,500 | 6,629 |
| Average total loans | $30,986,000 | 6,700 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2393% | 677 |
| Cost of funding earning assets | 2.2226% | 5,495 |
| Net interest margin | 5.0167% | 489 |
| Noninterest income to average assets | 1.0381% | 1,458 |
| Noninterest expense to average assets | 3.6190% | 2,097 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9333% | 408 |
| Return on assets (ROA) | 1.9333% | 393 |
| Pretax return on assets | 1.9333% | 717 |
| Return on Equity (ROE) | 15.7457% | 807 |
| Retained earnings to average equity (ytd only) | 3.4284% | 3,008 |
| Net charge-offs to loans | 0.2962% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 11.5341% | 2,360 |
| Efficiency ratio | 65.1801% | 5,281 |
| Assets per employee ($millions) | 3.2788% | 5,267 |
| Cash dividends to net income (ytd only)* | 78.2266% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.4472% | 6,135 |
| Net loans and leases to deposits | 68.6442% | 6,401 |
| Net loans and leases to core deposits | 99.2362% | 4,902 |
| Total domestic deposits to total assets | 85.1452% | 2,778 |
| Equity capital to assets | 12.1366% | 2,202 |
| Core capital (leverage) ratio | 12.7040% | 1,667 |
| Tier 1 risk-based capital ratio | 19.4535% | 1,713 |
| Total risk-based capital ratio | 20.2606% | 1,769 |
| Memoranda: | ||
| Average total assets | $52,500,600 | 6,678 |
| Average earning assets | $47,242,200 | 6,704 |
| Average equity | $6,446,200 | 6,657 |
| Average total loans | $29,707,600 | 6,724 |