Home > Community Bank of Missouri > Performance and Condition Ratios
Community Bank of Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1528% | 529 |
| Cost of funding earning assets | 0.3713% | 4,314 |
| Net interest margin | 5.7815% | 136 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 3.4596% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8658% | 554 |
| Return on assets (ROA) | 1.8708% | 532 |
| Pretax return on assets | 2.4846% | 347 |
| Return on Equity (ROE) | 14.3200% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.8563% | 521 |
| Net charge-offs to loans | 0.0041% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 971.0000% | 160 |
| Efficiency ratio | 58.2635% | 3,268 |
| Assets per employee ($millions) | 3.9673% | 4,170 |
| Cash dividends to net income (ytd only)* | 10.2319% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 2,955 |
| Loan loss allowance to noncurrent loans | 193.5606% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 1,560 |
| Noncurrent loans to loans | 0.5556% | 1,408 |
| Net loans and leases to total assets | 62.3600% | 2,647 |
| Net loans and leases to deposits | 73.3068% | 2,667 |
| Net loans and leases to core deposits | 75.7631% | 2,993 |
| Total domestic deposits to total assets | 85.0700% | 2,287 |
| Equity capital to assets | 14.3901% | 618 |
| Core capital (leverage) ratio | 14.1458% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8548% | 701 |
| Memoranda: | ||
| Average total assets | $78,362,000 | 4,028 |
| Average earning assets | $72,714,400 | 4,005 |
| Average equity | $10,236,200 | 3,695 |
| Average total loans | $48,782,800 | 3,858 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0629% | 492 |
| Cost of funding earning assets | 0.2976% | 4,364 |
| Net interest margin | 5.7653% | 131 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.9242% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.3269% | 312 |
| Return on assets (ROA) | 2.3309% | 306 |
| Pretax return on assets | 2.9798% | 242 |
| Return on Equity (ROE) | 18.2900% | 914 |
| Retained earnings to average equity (ytd only) | 16.3035% | 441 |
| Net charge-offs to loans | 0.0054% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 882.5000% | 182 |
| Efficiency ratio | 49.5714% | 3,944 |
| Assets per employee ($millions) | 3.8128% | 4,226 |
| Cash dividends to net income (ytd only)* | 10.8460% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,030 |
| Loan loss allowance to noncurrent loans | 681.3333% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 2,920 |
| Noncurrent loans to loans | 0.1567% | 2,767 |
| Net loans and leases to total assets | 62.0900% | 2,650 |
| Net loans and leases to deposits | 72.5753% | 2,672 |
| Net loans and leases to core deposits | 74.9557% | 2,931 |
| Total domestic deposits to total assets | 85.5600% | 2,331 |
| Equity capital to assets | 14.0212% | 650 |
| Core capital (leverage) ratio | 14.1710% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5713% | 748 |
| Memoranda: | ||
| Average total assets | $79,108,000 | 4,041 |
| Average earning assets | $73,471,750 | 4,012 |
| Average equity | $10,083,500 | 3,717 |
| Average total loans | $49,098,750 | 3,864 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 513 |
| Cost of funding earning assets | 0.2201% | 4,409 |
| Net interest margin | 5.6609% | 141 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.8629% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2869% | 312 |
| Return on assets (ROA) | 2.2908% | 302 |
| Pretax return on assets | 2.9378% | 217 |
| Return on Equity (ROE) | 18.5600% | 884 |
| Retained earnings to average equity (ytd only) | 15.5253% | 513 |
| Net charge-offs to loans | 0.0081% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 250 |
| Efficiency ratio | 49.3966% | 3,978 |
| Assets per employee ($millions) | 4.8296% | 3,732 |
| Cash dividends to net income (ytd only)* | 16.3577% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,293 |
| Loan loss allowance to noncurrent loans | 505.9406% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 2,633 |
| Noncurrent loans to loans | 0.2036% | 2,449 |
| Net loans and leases to total assets | 63.5300% | 2,431 |
| Net loans and leases to deposits | 73.6593% | 2,526 |
| Net loans and leases to core deposits | 75.0822% | 2,824 |
| Total domestic deposits to total assets | 86.2400% | 2,160 |
| Equity capital to assets | 13.3138% | 746 |
| Core capital (leverage) ratio | 13.2314% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4395% | 896 |
| Memoranda: | ||
| Average total assets | $80,058,667 | 4,046 |
| Average earning assets | $74,511,667 | 4,020 |
| Average equity | $9,880,667 | 3,760 |
| Average total loans | $49,511,000 | 3,868 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6150% | 510 |
| Cost of funding earning assets | 0.1682% | 4,427 |
| Net interest margin | 5.4467% | 159 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.8925% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2070% | 363 |
| Return on assets (ROA) | 2.2148% | 358 |
| Pretax return on assets | 2.7796% | 256 |
| Return on Equity (ROE) | 18.6400% | 939 |
| Retained earnings to average equity (ytd only) | 12.4419% | 1,187 |
| Net charge-offs to loans | 0.0162% | 1,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 386 |
| Efficiency ratio | 51.0841% | 3,846 |
| Assets per employee ($millions) | 5.3124% | 3,399 |
| Cash dividends to net income (ytd only)* | 33.2594% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,246 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.7800% | 2,682 |
| Net loans and leases to deposits | 68.5804% | 2,725 |
| Net loans and leases to core deposits | 69.5425% | 2,984 |
| Total domestic deposits to total assets | 87.1700% | 2,205 |
| Equity capital to assets | 12.3447% | 907 |
| Core capital (leverage) ratio | 11.7185% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7102% | 1,040 |
| Memoranda: | ||
| Average total assets | $81,451,500 | 4,083 |
| Average earning assets | $76,082,500 | 4,058 |
| Average equity | $9,677,000 | 3,821 |
| Average total loans | $49,467,000 | 3,913 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 1,764 |
| Cost of funding earning assets | 0.1341% | 4,210 |
| Net interest margin | 3.8444% | 1,073 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 3.0081% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9542% | 2,749 |
| Return on assets (ROA) | 0.9672% | 2,641 |
| Pretax return on assets | 1.1861% | 2,481 |
| Return on Equity (ROE) | 8.6400% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.3605% | 2,893 |
| Net charge-offs to loans | -0.0116% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.9930% | 1,442 |
| Assets per employee ($millions) | 4.8951% | 3,749 |
| Cash dividends to net income (ytd only)* | 37.9267% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.4100% | 2,604 |
| Net loans and leases to deposits | 68.4466% | 2,705 |
| Net loans and leases to core deposits | 69.6124% | 2,905 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 11.4364% | 1,105 |
| Core capital (leverage) ratio | 11.4028% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6086% | 1,209 |
| Memoranda: | ||
| Average total assets | $81,780,200 | 4,104 |
| Average earning assets | $76,812,400 | 4,077 |
| Average equity | $9,159,600 | 3,974 |
| Average total loans | $43,000,200 | 4,010 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 2,262 |
| Cost of funding earning assets | 0.1305% | 4,028 |
| Net interest margin | 3.4979% | 1,668 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.8198% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9105% | 2,828 |
| Return on assets (ROA) | 0.9105% | 2,805 |
| Pretax return on assets | 1.0726% | 2,803 |
| Return on Equity (ROE) | 8.1700% | 3,274 |
| Retained earnings to average equity (ytd only) | 3.7631% | 3,527 |
| Net charge-offs to loans | -0.0162% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4443% | 1,455 |
| Assets per employee ($millions) | 4.9251% | 3,742 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,803 |
| Loan loss allowance to noncurrent loans | 1,221.4286% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,384 |
| Noncurrent loans to loans | 0.0940% | 3,208 |
| Net loans and leases to total assets | 52.7500% | 3,212 |
| Net loans and leases to deposits | 59.5144% | 3,243 |
| Net loans and leases to core deposits | 61.0342% | 3,302 |
| Total domestic deposits to total assets | 88.6400% | 2,236 |
| Equity capital to assets | 11.0300% | 1,163 |
| Core capital (leverage) ratio | 11.3063% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7914% | 1,026 |
| Memoranda: | ||
| Average total assets | $81,421,000 | 4,141 |
| Average earning assets | $76,615,250 | 4,107 |
| Average equity | $9,070,250 | 4,028 |
| Average total loans | $41,054,000 | 4,066 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 2,509 |
| Cost of funding earning assets | 0.1291% | 3,850 |
| Net interest margin | 3.2434% | 2,069 |
| Noninterest income to average assets | 0.6125% | 1,686 |
| Noninterest expense to average assets | 2.8269% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7018% | 3,305 |
| Return on assets (ROA) | 0.7018% | 3,256 |
| Pretax return on assets | 0.8382% | 3,236 |
| Return on Equity (ROE) | 6.2782% | 3,509 |
| Retained earnings to average equity (ytd only) | -0.3771% | 4,224 |
| Net charge-offs to loans | -0.0251% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1313% | 1,163 |
| Assets per employee ($millions) | 4.1363% | 4,298 |
| Cash dividends to net income (ytd only)* | 106.0071% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,499 |
| Loan loss allowance to noncurrent loans | 230.0448% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 1,966 |
| Noncurrent loans to loans | 0.5367% | 1,543 |
| Net loans and leases to total assets | 49.6029% | 3,415 |
| Net loans and leases to deposits | 55.8529% | 3,390 |
| Net loans and leases to core deposits | 57.4964% | 3,464 |
| Total domestic deposits to total assets | 88.8099% | 2,254 |
| Equity capital to assets | 10.9096% | 1,254 |
| Core capital (leverage) ratio | 11.0963% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2932% | 949 |
| Memoranda: | ||
| Average total assets | $80,652,667 | 4,193 |
| Average earning assets | $75,907,333 | 4,173 |
| Average equity | $9,015,333 | 4,103 |
| Average total loans | $39,845,000 | 4,140 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 2,232 |
| Cost of funding earning assets | 0.1228% | 3,867 |
| Net interest margin | 3.2294% | 1,786 |
| Noninterest income to average assets | 0.7084% | 1,289 |
| Noninterest expense to average assets | 2.8788% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7034% | 3,048 |
| Return on assets (ROA) | 0.7034% | 3,040 |
| Pretax return on assets | 0.8692% | 2,890 |
| Return on Equity (ROE) | 6.2150% | 3,286 |
| Retained earnings to average equity (ytd only) | -7.1028% | 4,492 |
| Net charge-offs to loans | -0.0103% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8097% | 1,433 |
| Assets per employee ($millions) | 4.3347% | 4,234 |
| Cash dividends to net income (ytd only)* | 214.2857% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,090 |
| Loan loss allowance to noncurrent loans | 541.4894% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,010 |
| Noncurrent loans to loans | 0.2505% | 2,589 |
| Net loans and leases to total assets | 44.9532% | 3,663 |
| Net loans and leases to deposits | 50.5875% | 3,683 |
| Net loans and leases to core deposits | 52.0813% | 3,732 |
| Total domestic deposits to total assets | 88.8622% | 2,139 |
| Equity capital to assets | 10.8221% | 1,425 |
| Core capital (leverage) ratio | 11.1539% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0050% | 904 |
| Memoranda: | ||
| Average total assets | $79,616,500 | 4,227 |
| Average earning assets | $74,937,500 | 4,203 |
| Average equity | $9,010,500 | 4,159 |
| Average total loans | $38,994,000 | 4,173 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 867 |
| Cost of funding earning assets | 0.1778% | 3,685 |
| Net interest margin | 4.1071% | 587 |
| Noninterest income to average assets | 0.9716% | 1,055 |
| Noninterest expense to average assets | 3.1652% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2977% | 1,607 |
| Return on assets (ROA) | 1.2977% | 1,654 |
| Pretax return on assets | 1.6509% | 1,268 |
| Return on Equity (ROE) | 10.8982% | 2,197 |
| Retained earnings to average equity (ytd only) | 7.4890% | 1,727 |
| Net charge-offs to loans | -0.0044% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7207% | 2,301 |
| Assets per employee ($millions) | 4.0460% | 4,411 |
| Cash dividends to net income (ytd only)* | 31.2826% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,597 |
| Loan loss allowance to noncurrent loans | 534.7368% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 3,068 |
| Noncurrent loans to loans | 0.2348% | 2,789 |
| Net loans and leases to total assets | 51.9656% | 3,070 |
| Net loans and leases to deposits | 59.1761% | 3,149 |
| Net loans and leases to core deposits | 60.7796% | 3,257 |
| Total domestic deposits to total assets | 87.8151% | 2,144 |
| Equity capital to assets | 11.8480% | 1,319 |
| Core capital (leverage) ratio | 11.6810% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7099% | 938 |
| Memoranda: | ||
| Average total assets | $73,897,200 | 4,293 |
| Average earning assets | $69,172,800 | 4,273 |
| Average equity | $8,799,600 | 4,261 |
| Average total loans | $45,207,000 | 4,085 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 611 |
| Cost of funding earning assets | 0.1891% | 3,722 |
| Net interest margin | 4.3643% | 391 |
| Noninterest income to average assets | 1.0024% | 1,066 |
| Noninterest expense to average assets | 2.8961% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7041% | 820 |
| Return on assets (ROA) | 1.7041% | 858 |
| Pretax return on assets | 2.1871% | 561 |
| Return on Equity (ROE) | 14.2922% | 1,314 |
| Retained earnings to average equity (ytd only) | 9.7065% | 1,406 |
| Net charge-offs to loans | -0.0057% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9738% | 3,418 |
| Assets per employee ($millions) | 4.2561% | 4,298 |
| Cash dividends to net income (ytd only)* | 32.0856% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,397 |
| Loan loss allowance to noncurrent loans | 171.6216% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 1,900 |
| Noncurrent loans to loans | 0.6465% | 1,692 |
| Net loans and leases to total assets | 59.1001% | 2,362 |
| Net loans and leases to deposits | 67.4212% | 2,491 |
| Net loans and leases to core deposits | 69.2685% | 2,659 |
| Total domestic deposits to total assets | 87.6581% | 2,026 |
| Equity capital to assets | 11.8654% | 1,463 |
| Core capital (leverage) ratio | 11.7360% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3698% | 1,275 |
| Memoranda: | ||
| Average total assets | $73,153,000 | 4,354 |
| Average earning assets | $68,402,000 | 4,340 |
| Average equity | $8,722,500 | 4,328 |
| Average total loans | $46,394,750 | 4,124 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 1,276 |
| Cost of funding earning assets | 0.1903% | 3,850 |
| Net interest margin | 3.9511% | 890 |
| Noninterest income to average assets | 1.6250% | 465 |
| Noninterest expense to average assets | 2.8888% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8861% | 611 |
| Return on assets (ROA) | 1.8861% | 634 |
| Pretax return on assets | 2.4277% | 397 |
| Return on Equity (ROE) | 15.7907% | 995 |
| Retained earnings to average equity (ytd only) | 8.8140% | 1,771 |
| Net charge-offs to loans | -0.0043% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3365% | 3,760 |
| Assets per employee ($millions) | 4.2700% | 4,275 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 3,512 |
| Loan loss allowance to noncurrent loans | 148.6804% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 1,659 |
| Noncurrent loans to loans | 0.7248% | 1,636 |
| Net loans and leases to total assets | 60.5491% | 2,359 |
| Net loans and leases to deposits | 68.8066% | 2,536 |
| Net loans and leases to core deposits | 70.7845% | 2,706 |
| Total domestic deposits to total assets | 87.9990% | 1,818 |
| Equity capital to assets | 11.4936% | 1,632 |
| Core capital (leverage) ratio | 11.6424% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6158% | 1,442 |
| Memoranda: | ||
| Average total assets | $72,001,000 | 4,397 |
| Average earning assets | $67,271,667 | 4,379 |
| Average equity | $8,600,000 | 4,363 |
| Average total loans | $46,598,333 | 4,144 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 977 |
| Cost of funding earning assets | 0.1974% | 3,939 |
| Net interest margin | 4.1447% | 671 |
| Noninterest income to average assets | 1.6673% | 507 |
| Noninterest expense to average assets | 2.9495% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9778% | 587 |
| Return on assets (ROA) | 1.9778% | 630 |
| Pretax return on assets | 2.5815% | 380 |
| Return on Equity (ROE) | 16.2207% | 973 |
| Retained earnings to average equity (ytd only) | 2.0747% | 3,994 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3264% | 3,876 |
| Assets per employee ($millions) | 4.3205% | 4,256 |
| Cash dividends to net income (ytd only)* | 87.2093% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,553 |
| Loan loss allowance to noncurrent loans | 171.5254% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 2,001 |
| Noncurrent loans to loans | 0.6258% | 2,005 |
| Net loans and leases to total assets | 63.4953% | 2,104 |
| Net loans and leases to deposits | 72.2501% | 2,288 |
| Net loans and leases to core deposits | 74.0125% | 2,511 |
| Total domestic deposits to total assets | 87.8826% | 1,903 |
| Equity capital to assets | 11.5715% | 1,499 |
| Core capital (leverage) ratio | 12.0930% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3700% | 1,453 |
| Memoranda: | ||
| Average total assets | $69,571,500 | 4,443 |
| Average earning assets | $64,854,500 | 4,426 |
| Average equity | $8,483,000 | 4,389 |
| Average total loans | $46,375,000 | 4,166 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 348 |
| Cost of funding earning assets | 0.3175% | 4,041 |
| Net interest margin | 4.8569% | 157 |
| Noninterest income to average assets | 1.3196% | 663 |
| Noninterest expense to average assets | 3.8364% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5213% | 765 |
| Return on assets (ROA) | 1.5213% | 831 |
| Pretax return on assets | 1.9612% | 496 |
| Return on Equity (ROE) | 11.4283% | 1,484 |
| Retained earnings to average equity (ytd only) | 9.5650% | 669 |
| Net charge-offs to loans | -0.0270% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1723% | 2,503 |
| Assets per employee ($millions) | 3.6497% | 4,580 |
| Cash dividends to net income (ytd only)* | 16.3043% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,418 |
| Loan loss allowance to noncurrent loans | 149.7041% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 2,013 |
| Noncurrent loans to loans | 0.7411% | 1,850 |
| Net loans and leases to total assets | 68.6536% | 1,740 |
| Net loans and leases to deposits | 79.3574% | 1,940 |
| Net loans and leases to core deposits | 81.9411% | 2,198 |
| Total domestic deposits to total assets | 86.5119% | 2,140 |
| Equity capital to assets | 12.8883% | 1,139 |
| Core capital (leverage) ratio | 12.7030% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6803% | 1,108 |
| Memoranda: | ||
| Average total assets | $60,473,600 | 4,508 |
| Average earning assets | $55,755,800 | 4,501 |
| Average equity | $8,050,200 | 4,419 |
| Average total loans | $44,444,200 | 4,214 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 368 |
| Cost of funding earning assets | 0.3358% | 4,122 |
| Net interest margin | 4.9270% | 157 |
| Noninterest income to average assets | 1.3385% | 611 |
| Noninterest expense to average assets | 3.6009% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7329% | 534 |
| Return on assets (ROA) | 1.7329% | 596 |
| Pretax return on assets | 2.2669% | 301 |
| Return on Equity (ROE) | 12.9034% | 1,139 |
| Retained earnings to average equity (ytd only) | 10.3865% | 691 |
| Net charge-offs to loans | -0.0332% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3671% | 3,169 |
| Assets per employee ($millions) | 3.8151% | 4,467 |
| Cash dividends to net income (ytd only)* | 19.5059% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,427 |
| Loan loss allowance to noncurrent loans | 131.1688% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 1,951 |
| Noncurrent loans to loans | 0.8054% | 1,811 |
| Net loans and leases to total assets | 72.9251% | 1,516 |
| Net loans and leases to deposits | 84.3294% | 1,876 |
| Net loans and leases to core deposits | 87.6098% | 2,179 |
| Total domestic deposits to total assets | 86.4764% | 1,871 |
| Equity capital to assets | 12.8205% | 1,265 |
| Core capital (leverage) ratio | 13.0786% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1183% | 1,223 |
| Memoranda: | ||
| Average total assets | $59,168,250 | 4,539 |
| Average earning assets | $54,393,000 | 4,536 |
| Average equity | $7,946,000 | 4,451 |
| Average total loans | $44,153,250 | 4,250 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 402 |
| Cost of funding earning assets | 0.3464% | 4,286 |
| Net interest margin | 5.0553% | 183 |
| Noninterest income to average assets | 1.3934% | 541 |
| Noninterest expense to average assets | 3.6318% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8334% | 473 |
| Return on assets (ROA) | 1.8334% | 518 |
| Pretax return on assets | 2.3991% | 252 |
| Return on Equity (ROE) | 13.4220% | 996 |
| Retained earnings to average equity (ytd only) | 9.5871% | 862 |
| Net charge-offs to loans | -0.0419% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2200% | 3,387 |
| Assets per employee ($millions) | 3.3986% | 4,712 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 2,889 |
| Loan loss allowance to noncurrent loans | 145.7971% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 2,112 |
| Noncurrent loans to loans | 0.7735% | 1,950 |
| Net loans and leases to total assets | 72.0915% | 1,690 |
| Net loans and leases to deposits | 83.6723% | 2,024 |
| Net loans and leases to core deposits | 87.1340% | 2,337 |
| Total domestic deposits to total assets | 86.1594% | 1,941 |
| Equity capital to assets | 13.1982% | 1,078 |
| Core capital (leverage) ratio | 13.5437% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6014% | 1,111 |
| Memoranda: | ||
| Average total assets | $57,272,000 | 4,577 |
| Average earning assets | $52,539,000 | 4,579 |
| Average equity | $7,823,000 | 4,481 |
| Average total loans | $42,937,000 | 4,294 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5338% | 344 |
| Cost of funding earning assets | 0.3473% | 4,528 |
| Net interest margin | 5.1865% | 146 |
| Noninterest income to average assets | 0.7881% | 1,349 |
| Noninterest expense to average assets | 3.7093% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4389% | 908 |
| Return on assets (ROA) | 1.4389% | 979 |
| Pretax return on assets | 1.8293% | 656 |
| Return on Equity (ROE) | 10.3410% | 1,631 |
| Retained earnings to average equity (ytd only) | 2.5463% | 3,251 |
| Net charge-offs to loans | -0.0760% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9713% | 2,821 |
| Assets per employee ($millions) | 3.1544% | 4,720 |
| Cash dividends to net income (ytd only)* | 75.3769% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,530 |
| Loan loss allowance to noncurrent loans | 346.2069% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 3,431 |
| Noncurrent loans to loans | 0.3541% | 3,223 |
| Net loans and leases to total assets | 71.2275% | 2,048 |
| Net loans and leases to deposits | 82.9804% | 2,333 |
| Net loans and leases to core deposits | 86.2306% | 2,660 |
| Total domestic deposits to total assets | 85.8366% | 2,066 |
| Equity capital to assets | 13.5699% | 1,194 |
| Core capital (leverage) ratio | 14.0051% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5939% | 791 |
| Memoranda: | ||
| Average total assets | $55,320,500 | 4,622 |
| Average earning assets | $50,670,000 | 4,626 |
| Average equity | $7,697,500 | 4,525 |
| Average total loans | $42,103,000 | 4,327 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 336 |
| Cost of funding earning assets | 0.3280% | 4,658 |
| Net interest margin | 5.4570% | 122 |
| Noninterest income to average assets | 0.8158% | 1,403 |
| Noninterest expense to average assets | 4.2292% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1703% | 2,175 |
| Return on assets (ROA) | 1.1703% | 2,275 |
| Pretax return on assets | 1.5173% | 1,752 |
| Return on Equity (ROE) | 8.3862% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.3703% | 1,685 |
| Net charge-offs to loans | 0.0235% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 80.9000% | 784 |
| Efficiency ratio | 73.5966% | 1,656 |
| Assets per employee ($millions) | 3.1683% | 4,725 |
| Cash dividends to net income (ytd only)* | 24.0385% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,737 |
| Loan loss allowance to noncurrent loans | 204.1322% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 2,604 |
| Noncurrent loans to loans | 0.5594% | 2,500 |
| Net loans and leases to total assets | 79.4025% | 872 |
| Net loans and leases to deposits | 93.3594% | 1,215 |
| Net loans and leases to core deposits | 97.1911% | 1,799 |
| Total domestic deposits to total assets | 85.0504% | 2,473 |
| Equity capital to assets | 14.2775% | 1,008 |
| Core capital (leverage) ratio | 14.0283% | 920 |
| Tier 1 risk-based capital ratio | 18.4561% | 1,645 |
| Total risk-based capital ratio | 19.6485% | 1,631 |
| Memoranda: | ||
| Average total assets | $53,319,600 | 4,691 |
| Average earning assets | $48,176,800 | 4,707 |
| Average equity | $7,440,800 | 4,581 |
| Average total loans | $42,540,600 | 4,352 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 344 |
| Cost of funding earning assets | 0.3173% | 4,757 |
| Net interest margin | 5.5053% | 121 |
| Noninterest income to average assets | 0.8524% | 1,264 |
| Noninterest expense to average assets | 3.9835% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4791% | 1,246 |
| Return on assets (ROA) | 1.4791% | 1,307 |
| Pretax return on assets | 1.8276% | 1,015 |
| Return on Equity (ROE) | 10.6614% | 2,151 |
| Retained earnings to average equity (ytd only) | 7.9508% | 1,423 |
| Net charge-offs to loans | -0.0031% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5505% | 2,331 |
| Assets per employee ($millions) | 2.7930% | 4,978 |
| Cash dividends to net income (ytd only)* | 25.4243% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,435 |
| Loan loss allowance to noncurrent loans | 216.7382% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 2,767 |
| Noncurrent loans to loans | 0.5603% | 2,618 |
| Net loans and leases to total assets | 77.4059% | 1,240 |
| Net loans and leases to deposits | 91.2255% | 1,539 |
| Net loans and leases to core deposits | 94.3518% | 2,149 |
| Total domestic deposits to total assets | 84.8512% | 2,477 |
| Equity capital to assets | 14.4365% | 998 |
| Core capital (leverage) ratio | 14.3859% | 882 |
| Tier 1 risk-based capital ratio | 19.0267% | 1,561 |
| Total risk-based capital ratio | 20.2765% | 1,532 |
| Memoranda: | ||
| Average total assets | $53,184,250 | 4,768 |
| Average earning assets | $47,904,250 | 4,775 |
| Average equity | $7,378,500 | 4,642 |
| Average total loans | $42,360,500 | 4,408 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 346 |
| Cost of funding earning assets | 0.3138% | 4,791 |
| Net interest margin | 5.4677% | 131 |
| Noninterest income to average assets | 0.8605% | 1,177 |
| Noninterest expense to average assets | 3.9682% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5069% | 1,132 |
| Return on assets (ROA) | 1.5069% | 1,182 |
| Pretax return on assets | 1.8037% | 1,021 |
| Return on Equity (ROE) | 11.0099% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.8915% | 1,859 |
| Net charge-offs to loans | -0.0047% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 2,411 |
| Assets per employee ($millions) | 2.6917% | 5,061 |
| Cash dividends to net income (ytd only)* | 37.4065% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,431 |
| Loan loss allowance to noncurrent loans | 365.9420% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 2,954 |
| Noncurrent loans to loans | 0.3327% | 3,346 |
| Net loans and leases to total assets | 76.1187% | 1,524 |
| Net loans and leases to deposits | 89.0146% | 1,861 |
| Net loans and leases to core deposits | 91.9901% | 2,421 |
| Total domestic deposits to total assets | 85.5126% | 2,259 |
| Equity capital to assets | 13.8651% | 1,176 |
| Core capital (leverage) ratio | 14.0078% | 958 |
| Tier 1 risk-based capital ratio | 18.0159% | 1,803 |
| Total risk-based capital ratio | 19.2414% | 1,762 |
| Memoranda: | ||
| Average total assets | $53,223,330 | 4,801 |
| Average earning assets | $47,807,670 | 4,815 |
| Average equity | $7,284,330 | 4,684 |
| Average total loans | $42,620,000 | 4,433 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 327 |
| Cost of funding earning assets | 0.3111% | 4,813 |
| Net interest margin | 5.4655% | 129 |
| Noninterest income to average assets | 0.8163% | 1,248 |
| Noninterest expense to average assets | 4.0062% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3833% | 1,426 |
| Return on assets (ROA) | 1.3833% | 1,460 |
| Pretax return on assets | 1.7234% | 1,161 |
| Return on Equity (ROE) | 10.1744% | 2,288 |
| Retained earnings to average equity (ytd only) | 1.8347% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9208% | 2,355 |
| Assets per employee ($millions) | 2.8121% | 5,066 |
| Cash dividends to net income (ytd only)* | 81.9672% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,656 |
| Loan loss allowance to noncurrent loans | 690.4110% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,545 |
| Noncurrent loans to loans | 0.1718% | 3,979 |
| Net loans and leases to total assets | 78.5678% | 1,062 |
| Net loans and leases to deposits | 91.4434% | 1,463 |
| Net loans and leases to core deposits | 94.5003% | 2,080 |
| Total domestic deposits to total assets | 85.9196% | 2,314 |
| Equity capital to assets | 13.5264% | 1,200 |
| Core capital (leverage) ratio | 13.6501% | 1,048 |
| Tier 1 risk-based capital ratio | 17.4142% | 1,968 |
| Total risk-based capital ratio | 18.6322% | 1,930 |
| Memoranda: | ||
| Average total assets | $52,918,500 | 4,855 |
| Average earning assets | $47,571,500 | 4,867 |
| Average equity | $7,194,500 | 4,728 |
| Average total loans | $43,189,000 | 4,455 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 422 |
| Cost of funding earning assets | 0.2511% | 4,799 |
| Net interest margin | 5.2286% | 181 |
| Noninterest income to average assets | 0.7090% | 1,820 |
| Noninterest expense to average assets | 4.1201% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0239% | 2,912 |
| Return on assets (ROA) | 1.0239% | 2,899 |
| Pretax return on assets | 1.3011% | 2,491 |
| Return on Equity (ROE) | 7.8071% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.6504% | 2,385 |
| Net charge-offs to loans | -0.0073% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,367 |
| Assets per employee ($millions) | 2.7583% | 5,111 |
| Cash dividends to net income (ytd only)* | 27.6243% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,836 |
| Loan loss allowance to noncurrent loans | 690.4110% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 3,492 |
| Noncurrent loans to loans | 0.1663% | 3,999 |
| Net loans and leases to total assets | 82.7965% | 543 |
| Net loans and leases to deposits | 96.4202% | 1,033 |
| Net loans and leases to core deposits | 100.4073% | 1,691 |
| Total domestic deposits to total assets | 85.8705% | 2,295 |
| Equity capital to assets | 13.6659% | 1,084 |
| Core capital (leverage) ratio | 13.5657% | 1,055 |
| Tier 1 risk-based capital ratio | 14.6160% | 3,016 |
| Total risk-based capital ratio | 15.6446% | 3,031 |
| Memoranda: | ||
| Average total assets | $53,033,000 | 4,887 |
| Average earning assets | $47,794,600 | 4,898 |
| Average equity | $6,955,200 | 4,754 |
| Average total loans | $40,952,000 | 4,523 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 462 |
| Cost of funding earning assets | 0.2421% | 4,833 |
| Net interest margin | 5.1201% | 209 |
| Noninterest income to average assets | 0.6994% | 1,864 |
| Noninterest expense to average assets | 3.8553% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2057% | 2,218 |
| Return on assets (ROA) | 1.2057% | 2,219 |
| Pretax return on assets | 1.4564% | 2,039 |
| Return on Equity (ROE) | 9.2898% | 2,963 |
| Retained earnings to average equity (ytd only) | 6.3927% | 2,438 |
| Net charge-offs to loans | -0.0066% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5814% | 1,796 |
| Assets per employee ($millions) | 2.9213% | 5,092 |
| Cash dividends to net income (ytd only)* | 31.1857% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,716 |
| Loan loss allowance to noncurrent loans | 100.8016% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 1,320 |
| Noncurrent loans to loans | 1.1751% | 1,437 |
| Net loans and leases to total assets | 79.7980% | 1,049 |
| Net loans and leases to deposits | 92.4944% | 1,565 |
| Net loans and leases to core deposits | 95.3659% | 2,178 |
| Total domestic deposits to total assets | 86.2734% | 2,069 |
| Equity capital to assets | 13.4604% | 1,149 |
| Core capital (leverage) ratio | 13.5211% | 1,097 |
| Tier 1 risk-based capital ratio | 14.9111% | 2,925 |
| Total risk-based capital ratio | 15.9708% | 2,933 |
| Memoranda: | ||
| Average total assets | $53,189,250 | 4,941 |
| Average earning assets | $47,914,500 | 4,953 |
| Average equity | $6,903,500 | 4,812 |
| Average total loans | $40,216,000 | 4,593 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 331 |
| Cost of funding earning assets | 0.2655% | 4,665 |
| Net interest margin | 5.2100% | 166 |
| Noninterest income to average assets | 0.5919% | 2,369 |
| Noninterest expense to average assets | 3.9183% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1350% | 2,458 |
| Return on assets (ROA) | 1.1350% | 2,465 |
| Pretax return on assets | 1.3785% | 2,226 |
| Return on Equity (ROE) | 8.8528% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.4702% | 3,364 |
| Net charge-offs to loans | -0.0101% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9745% | 1,710 |
| Assets per employee ($millions) | 2.7923% | 5,223 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,202 |
| Loan loss allowance to noncurrent loans | 100.8016% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 1,370 |
| Noncurrent loans to loans | 1.2830% | 1,333 |
| Net loans and leases to total assets | 72.3584% | 2,220 |
| Net loans and leases to deposits | 83.4290% | 2,598 |
| Net loans and leases to core deposits | 85.9795% | 2,925 |
| Total domestic deposits to total assets | 86.7305% | 1,954 |
| Equity capital to assets | 13.0527% | 1,270 |
| Core capital (leverage) ratio | 12.9116% | 1,264 |
| Tier 1 risk-based capital ratio | 19.6711% | 1,386 |
| Total risk-based capital ratio | 20.9238% | 1,355 |
| Memoranda: | ||
| Average total assets | $53,391,000 | 4,993 |
| Average earning assets | $48,215,330 | 5,000 |
| Average equity | $6,845,330 | 4,869 |
| Average total loans | $39,466,670 | 4,656 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 294 |
| Cost of funding earning assets | 0.2642% | 4,623 |
| Net interest margin | 5.2015% | 159 |
| Noninterest income to average assets | 0.5676% | 2,433 |
| Noninterest expense to average assets | 3.7939% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2173% | 1,937 |
| Return on assets (ROA) | 1.2173% | 1,944 |
| Pretax return on assets | 1.4787% | 1,731 |
| Return on Equity (ROE) | 9.5805% | 2,649 |
| Retained earnings to average equity (ytd only) | 0.7641% | 4,675 |
| Net charge-offs to loans | -0.0101% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9547% | 2,202 |
| Assets per employee ($millions) | 3.2474% | 4,957 |
| Cash dividends to net income (ytd only)* | 92.0245% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,201 |
| Loan loss allowance to noncurrent loans | 59.8331% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.6538% | 797 |
| Noncurrent loans to loans | 2.1889% | 688 |
| Net loans and leases to total assets | 68.5215% | 2,693 |
| Net loans and leases to deposits | 78.3318% | 2,984 |
| Net loans and leases to core deposits | 80.6705% | 3,272 |
| Total domestic deposits to total assets | 87.4760% | 1,909 |
| Equity capital to assets | 12.2958% | 1,604 |
| Core capital (leverage) ratio | 12.7069% | 1,292 |
| Tier 1 risk-based capital ratio | 26.2928% | 660 |
| Total risk-based capital ratio | 27.5507% | 651 |
| Memoranda: | ||
| Average total assets | $53,559,500 | 5,046 |
| Average earning assets | $48,448,000 | 5,052 |
| Average equity | $6,805,500 | 4,930 |
| Average total loans | $39,754,000 | 4,698 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 311 |
| Cost of funding earning assets | 0.3013% | 4,128 |
| Net interest margin | 5.0964% | 197 |
| Noninterest income to average assets | 0.5333% | 2,802 |
| Noninterest expense to average assets | 4.0546% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8277% | 3,046 |
| Return on assets (ROA) | 0.8277% | 3,082 |
| Pretax return on assets | 1.0380% | 3,424 |
| Return on Equity (ROE) | 6.4951% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.2450% | 2,613 |
| Net charge-offs to loans | 0.0026% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 543.0000% | 161 |
| Efficiency ratio | 79.6171% | 1,142 |
| Assets per employee ($millions) | 2.8841% | 5,269 |
| Cash dividends to net income (ytd only)* | 34.6420% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,680 |
| Loan loss allowance to noncurrent loans | 147.3529% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 1,744 |
| Noncurrent loans to loans | 0.8257% | 2,155 |
| Net loans and leases to total assets | 78.3561% | 1,238 |
| Net loans and leases to deposits | 90.4738% | 1,716 |
| Net loans and leases to core deposits | 94.4001% | 2,158 |
| Total domestic deposits to total assets | 86.6064% | 2,185 |
| Equity capital to assets | 13.1431% | 1,196 |
| Core capital (leverage) ratio | 12.6914% | 1,269 |
| Tier 1 risk-based capital ratio | 16.7532% | 2,175 |
| Total risk-based capital ratio | 17.9911% | 2,129 |
| Memoranda: | ||
| Average total assets | $52,311,000 | 5,117 |
| Average earning assets | $46,797,800 | 5,130 |
| Average equity | $6,666,600 | 4,997 |
| Average total loans | $39,131,400 | 4,750 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 305 |
| Cost of funding earning assets | 0.2879% | 4,243 |
| Net interest margin | 5.0938% | 191 |
| Noninterest income to average assets | 0.5368% | 2,796 |
| Noninterest expense to average assets | 3.8948% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9031% | 3,011 |
| Return on assets (ROA) | 0.9031% | 3,066 |
| Pretax return on assets | 1.1880% | 2,952 |
| Return on Equity (ROE) | 7.1418% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.1242% | 3,458 |
| Net charge-offs to loans | 0.0034% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 468.1579% | 210 |
| Efficiency ratio | 76.6266% | 1,508 |
| Assets per employee ($millions) | 2.8127% | 5,380 |
| Cash dividends to net income (ytd only)* | 42.2547% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,368 |
| Loan loss allowance to noncurrent loans | 10,020.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,619 |
| Noncurrent loans to loans | 0.0129% | 5,090 |
| Net loans and leases to total assets | 71.3652% | 2,346 |
| Net loans and leases to deposits | 82.1660% | 2,761 |
| Net loans and leases to core deposits | 87.2626% | 2,846 |
| Total domestic deposits to total assets | 86.8549% | 1,928 |
| Equity capital to assets | 12.6567% | 1,573 |
| Core capital (leverage) ratio | 12.8581% | 1,265 |
| Tier 1 risk-based capital ratio | 17.5093% | 2,008 |
| Total risk-based capital ratio | 18.7583% | 1,952 |
| Memoranda: | ||
| Average total assets | $52,410,500 | 5,172 |
| Average earning assets | $46,774,250 | 5,185 |
| Average equity | $6,627,500 | 5,056 |
| Average total loans | $38,619,750 | 4,824 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 306 |
| Cost of funding earning assets | 0.2886% | 4,201 |
| Net interest margin | 5.0578% | 203 |
| Noninterest income to average assets | 0.5800% | 2,559 |
| Noninterest expense to average assets | 3.8912% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9104% | 2,859 |
| Return on assets (ROA) | 0.9104% | 2,909 |
| Pretax return on assets | 1.1985% | 2,777 |
| Return on Equity (ROE) | 7.2015% | 3,452 |
| Retained earnings to average equity (ytd only) | 2.6436% | 4,119 |
| Net charge-offs to loans | 0.0052% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 272 |
| Efficiency ratio | 76.4528% | 1,647 |
| Assets per employee ($millions) | 3.1454% | 5,151 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,443 |
| Loan loss allowance to noncurrent loans | 10,020.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 4,641 |
| Noncurrent loans to loans | 0.0129% | 5,123 |
| Net loans and leases to total assets | 71.4836% | 2,285 |
| Net loans and leases to deposits | 82.0236% | 2,699 |
| Net loans and leases to core deposits | 87.1378% | 2,787 |
| Total domestic deposits to total assets | 87.1500% | 1,882 |
| Equity capital to assets | 12.4385% | 1,653 |
| Core capital (leverage) ratio | 12.6681% | 1,307 |
| Tier 1 risk-based capital ratio | 16.9133% | 2,175 |
| Total risk-based capital ratio | 18.1594% | 2,136 |
| Memoranda: | ||
| Average total assets | $52,066,670 | 5,213 |
| Average earning assets | $46,423,670 | 5,227 |
| Average equity | $6,582,000 | 5,096 |
| Average total loans | $38,613,000 | 4,855 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3662% | 290 |
| Cost of funding earning assets | 0.2972% | 4,072 |
| Net interest margin | 5.0690% | 201 |
| Noninterest income to average assets | 0.4828% | 3,090 |
| Noninterest expense to average assets | 3.8548% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9111% | 2,706 |
| Return on assets (ROA) | 0.9111% | 2,762 |
| Pretax return on assets | 1.1448% | 2,797 |
| Return on Equity (ROE) | 7.1478% | 3,343 |
| Retained earnings to average equity (ytd only) | -2.0160% | 5,171 |
| Net charge-offs to loans | 0.0104% | 2,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 371 |
| Efficiency ratio | 77.1028% | 1,744 |
| Assets per employee ($millions) | 3.6823% | 4,531 |
| Cash dividends to net income (ytd only)* | 128.2051% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,353 |
| Loan loss allowance to noncurrent loans | 10,020.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 4,629 |
| Noncurrent loans to loans | 0.0133% | 5,187 |
| Net loans and leases to total assets | 71.7509% | 2,106 |
| Net loans and leases to deposits | 82.5481% | 2,445 |
| Net loans and leases to core deposits | 87.9121% | 2,557 |
| Total domestic deposits to total assets | 86.9200% | 2,256 |
| Equity capital to assets | 12.6668% | 1,430 |
| Core capital (leverage) ratio | 12.6344% | 1,273 |
| Tier 1 risk-based capital ratio | 15.9224% | 2,583 |
| Total risk-based capital ratio | 17.1564% | 2,535 |
| Memoranda: | ||
| Average total assets | $51,364,500 | 5,283 |
| Average earning assets | $45,768,000 | 5,296 |
| Average equity | $6,547,500 | 5,149 |
| Average total loans | $38,557,500 | 4,904 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 292 |
| Cost of funding earning assets | 0.2571% | 4,501 |
| Net interest margin | 5.1438% | 186 |
| Noninterest income to average assets | 0.4183% | 3,750 |
| Noninterest expense to average assets | 3.7904% | 781 |
| Loan and lease loss provision to assets | 0.1993% | 1,167 |
| Net operating income to assets | 0.8859% | 2,901 |
| Return on assets (ROA) | 0.8859% | 3,017 |
| Pretax return on assets | 1.1267% | 2,989 |
| Return on Equity (ROE) | 6.9339% | 3,506 |
| Retained earnings to average equity (ytd only) | 4.6175% | 2,623 |
| Net charge-offs to loans | 0.3388% | 808 |
| Credit loss provision to net charge-offs | 78.2946% | 3,000 |
| Earnings coverage of net charge-offs (x) | 5.2093% | 3,370 |
| Efficiency ratio | 74.0841% | 2,280 |
| Assets per employee ($millions) | 3.4118% | 4,884 |
| Cash dividends to net income (ytd only)* | 33.4076% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,723 |
| Loan loss allowance to noncurrent loans | 947.1698% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 4,197 |
| Noncurrent loans to loans | 0.1338% | 4,700 |
| Net loans and leases to total assets | 76.4465% | 1,443 |
| Net loans and leases to deposits | 89.1713% | 1,787 |
| Net loans and leases to core deposits | 96.1773% | 1,912 |
| Total domestic deposits to total assets | 85.7299% | 2,710 |
| Equity capital to assets | 12.8280% | 1,335 |
| Core capital (leverage) ratio | 12.7465% | 1,234 |
| Tier 1 risk-based capital ratio | 16.6971% | 2,268 |
| Total risk-based capital ratio | 17.9465% | 2,209 |
| Memoranda: | ||
| Average total assets | $50,680,800 | 5,331 |
| Average earning assets | $46,288,600 | 5,326 |
| Average equity | $6,475,400 | 5,195 |
| Average total loans | $38,072,800 | 4,942 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 335 |
| Cost of funding earning assets | 0.2558% | 4,552 |
| Net interest margin | 5.0960% | 209 |
| Noninterest income to average assets | 0.4088% | 3,855 |
| Noninterest expense to average assets | 3.6341% | 941 |
| Loan and lease loss provision to assets | 0.1582% | 1,466 |
| Net operating income to assets | 1.0918% | 2,032 |
| Return on assets (ROA) | 1.0918% | 2,135 |
| Pretax return on assets | 1.2923% | 2,462 |
| Return on Equity (ROE) | 8.5540% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.4547% | 2,517 |
| Net charge-offs to loans | 0.2123% | 1,098 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 9.1665% | 2,700 |
| Efficiency ratio | 71.4730% | 2,658 |
| Assets per employee ($millions) | 2.9212% | 5,452 |
| Cash dividends to net income (ytd only)* | 36.2325% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,311 |
| Loan loss allowance to noncurrent loans | 146.4088% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 2,283 |
| Noncurrent loans to loans | 0.9401% | 2,360 |
| Net loans and leases to total assets | 76.4725% | 1,445 |
| Net loans and leases to deposits | 88.5906% | 1,944 |
| Net loans and leases to core deposits | 95.0019% | 2,101 |
| Total domestic deposits to total assets | 86.3213% | 2,206 |
| Equity capital to assets | 13.2780% | 1,357 |
| Core capital (leverage) ratio | 13.0354% | 1,179 |
| Tier 1 risk-based capital ratio | 16.8006% | 2,296 |
| Total risk-based capital ratio | 18.0513% | 2,251 |
| Memoranda: | ||
| Average total assets | $50,556,750 | 5,387 |
| Average earning assets | $46,388,250 | 5,376 |
| Average equity | $6,453,000 | 5,252 |
| Average total loans | $37,684,750 | 5,003 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 386 |
| Cost of funding earning assets | 0.2573% | 4,577 |
| Net interest margin | 4.9995% | 253 |
| Noninterest income to average assets | 0.3539% | 4,241 |
| Noninterest expense to average assets | 3.6417% | 949 |
| Loan and lease loss provision to assets | 0.0590% | 2,962 |
| Net operating income to assets | 1.0107% | 2,344 |
| Return on assets (ROA) | 1.1130% | 2,030 |
| Pretax return on assets | 1.3411% | 2,243 |
| Return on Equity (ROE) | 8.8355% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.1524% | 3,261 |
| Net charge-offs to loans | 0.0802% | 2,048 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,646 |
| Efficiency ratio | 73.7261% | 2,403 |
| Assets per employee ($millions) | 3.3267% | 5,021 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 2,093 |
| Loan loss allowance to noncurrent loans | 110.4167% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 1,846 |
| Noncurrent loans to loans | 1.3073% | 1,731 |
| Net loans and leases to total assets | 72.5210% | 2,086 |
| Net loans and leases to deposits | 83.6910% | 2,504 |
| Net loans and leases to core deposits | 87.7115% | 2,756 |
| Total domestic deposits to total assets | 86.6533% | 2,081 |
| Equity capital to assets | 12.9719% | 1,519 |
| Core capital (leverage) ratio | 12.4808% | 1,364 |
| Tier 1 risk-based capital ratio | 17.2616% | 2,140 |
| Total risk-based capital ratio | 18.5133% | 2,103 |
| Memoranda: | ||
| Average total assets | $50,855,330 | 5,442 |
| Average earning assets | $46,644,330 | 5,434 |
| Average equity | $6,406,000 | 5,307 |
| Average total loans | $37,410,670 | 5,061 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 401 |
| Cost of funding earning assets | 0.2643% | 4,558 |
| Net interest margin | 4.9526% | 278 |
| Noninterest income to average assets | 0.3195% | 4,443 |
| Noninterest expense to average assets | 3.4286% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2000% | 1,562 |
| Return on assets (ROA) | 1.4026% | 1,087 |
| Pretax return on assets | 1.6208% | 1,248 |
| Return on Equity (ROE) | 11.2985% | 1,502 |
| Retained earnings to average equity (ytd only) | 1.8831% | 4,507 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7395% | 3,000 |
| Assets per employee ($millions) | 3.1984% | 5,283 |
| Cash dividends to net income (ytd only)* | 83.3333% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,167 |
| Loan loss allowance to noncurrent loans | 102.1195% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 1,812 |
| Noncurrent loans to loans | 1.4277% | 1,666 |
| Net loans and leases to total assets | 70.0023% | 2,341 |
| Net loans and leases to deposits | 80.3963% | 2,741 |
| Net loans and leases to core deposits | 89.0521% | 2,454 |
| Total domestic deposits to total assets | 87.0716% | 2,177 |
| Equity capital to assets | 12.4888% | 1,690 |
| Core capital (leverage) ratio | 12.3510% | 1,410 |
| Tier 1 risk-based capital ratio | 17.0519% | 2,269 |
| Total risk-based capital ratio | 18.3036% | 2,230 |
| Memoranda: | ||
| Average total assets | $51,333,000 | 5,483 |
| Average earning assets | $46,924,500 | 5,473 |
| Average equity | $6,372,500 | 5,345 |
| Average total loans | $37,757,000 | 5,087 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 271 |
| Cost of funding earning assets | 0.4033% | 3,119 |
| Net interest margin | 5.0812% | 216 |
| Noninterest income to average assets | 0.7129% | 2,143 |
| Noninterest expense to average assets | 4.1463% | 572 |
| Loan and lease loss provision to assets | 0.1370% | 1,728 |
| Net operating income to assets | 0.8539% | 3,089 |
| Return on assets (ROA) | 0.8539% | 3,163 |
| Pretax return on assets | 1.0584% | 3,233 |
| Return on Equity (ROE) | 6.8970% | 3,561 |
| Retained earnings to average equity (ytd only) | 3.6891% | 3,425 |
| Net charge-offs to loans | 0.1648% | 1,719 |
| Credit loss provision to net charge-offs | 113.1148% | 2,248 |
| Earnings coverage of net charge-offs (x) | 9.8689% | 2,765 |
| Efficiency ratio | 77.6208% | 2,026 |
| Assets per employee ($millions) | 3.4328% | 4,930 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 2,653 |
| Loan loss allowance to noncurrent loans | 216.3265% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 3,041 |
| Noncurrent loans to loans | 0.6256% | 3,311 |
| Net loans and leases to total assets | 75.0233% | 1,569 |
| Net loans and leases to deposits | 85.9823% | 2,136 |
| Net loans and leases to core deposits | 95.7327% | 1,875 |
| Total domestic deposits to total assets | 87.2543% | 2,011 |
| Equity capital to assets | 12.3398% | 1,712 |
| Core capital (leverage) ratio | 12.0556% | 1,587 |
| Tier 1 risk-based capital ratio | 15.9773% | 2,696 |
| Total risk-based capital ratio | 17.2280% | 2,636 |
| Memoranda: | ||
| Average total assets | $50,358,400 | 5,533 |
| Average earning assets | $45,875,400 | 5,533 |
| Average equity | $6,234,600 | 5,389 |
| Average total loans | $37,013,600 | 5,123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 285 |
| Cost of funding earning assets | 0.4578% | 2,610 |
| Net interest margin | 5.0010% | 254 |
| Noninterest income to average assets | 0.8227% | 1,716 |
| Noninterest expense to average assets | 4.1324% | 572 |
| Loan and lease loss provision to assets | 0.0133% | 4,006 |
| Net operating income to assets | 1.0384% | 2,283 |
| Return on assets (ROA) | 1.0384% | 2,379 |
| Pretax return on assets | 1.2434% | 2,636 |
| Return on Equity (ROE) | 8.3805% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.0828% | 3,554 |
| Net charge-offs to loans | -0.0073% | 4,903 |
| Credit loss provision to net charge-offs | -250.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6798% | 2,130 |
| Assets per employee ($millions) | 2.7737% | 5,775 |
| Cash dividends to net income (ytd only)* | 51.2818% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 2,924 |
| Loan loss allowance to noncurrent loans | 173.4426% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 2,863 |
| Noncurrent loans to loans | 0.7703% | 3,037 |
| Net loans and leases to total assets | 78.2478% | 1,062 |
| Net loans and leases to deposits | 89.9786% | 1,655 |
| Net loans and leases to core deposits | 98.4675% | 1,653 |
| Total domestic deposits to total assets | 86.9627% | 2,064 |
| Equity capital to assets | 12.5486% | 1,719 |
| Core capital (leverage) ratio | 12.2921% | 1,516 |
| Tier 1 risk-based capital ratio | 16.3846% | 2,630 |
| Total risk-based capital ratio | 17.6353% | 2,580 |
| Memoranda: | ||
| Average total assets | $50,075,000 | 5,608 |
| Average earning assets | $45,723,250 | 5,603 |
| Average equity | $6,204,750 | 5,459 |
| Average total loans | $36,476,750 | 5,198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 326 |
| Cost of funding earning assets | 0.5611% | 1,721 |
| Net interest margin | 4.8040% | 359 |
| Noninterest income to average assets | 1.0135% | 1,152 |
| Noninterest expense to average assets | 4.3651% | 469 |
| Loan and lease loss provision to assets | 0.0200% | 3,734 |
| Net operating income to assets | 0.8020% | 3,374 |
| Return on assets (ROA) | 0.8020% | 3,469 |
| Pretax return on assets | 1.0015% | 3,583 |
| Return on Equity (ROE) | 6.4999% | 3,881 |
| Retained earnings to average equity (ytd only) | 1.6492% | 4,876 |
| Net charge-offs to loans | -0.0056% | 4,771 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0370% | 1,620 |
| Assets per employee ($millions) | 2.9192% | 5,695 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 2,002 |
| Loan loss allowance to noncurrent loans | 225.1064% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 3,381 |
| Noncurrent loans to loans | 0.6986% | 3,396 |
| Net loans and leases to total assets | 66.7191% | 2,836 |
| Net loans and leases to deposits | 76.5691% | 3,199 |
| Net loans and leases to core deposits | 82.3447% | 3,137 |
| Total domestic deposits to total assets | 87.1358% | 2,089 |
| Equity capital to assets | 12.4169% | 1,708 |
| Core capital (leverage) ratio | 11.5540% | 1,958 |
| Tier 1 risk-based capital ratio | 17.9460% | 2,074 |
| Total risk-based capital ratio | 19.1984% | 2,030 |
| Memoranda: | ||
| Average total assets | $50,124,670 | 5,664 |
| Average earning assets | $45,628,670 | 5,667 |
| Average equity | $6,184,670 | 5,508 |
| Average total loans | $35,437,330 | 5,282 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 314 |
| Cost of funding earning assets | 0.5519% | 1,825 |
| Net interest margin | 4.8273% | 332 |
| Noninterest income to average assets | 1.4372% | 569 |
| Noninterest expense to average assets | 3.7003% | 1,013 |
| Loan and lease loss provision to assets | 0.0397% | 3,119 |
| Net operating income to assets | 1.8819% | 418 |
| Return on assets (ROA) | 1.8819% | 443 |
| Pretax return on assets | 2.0725% | 513 |
| Return on Equity (ROE) | 15.3002% | 668 |
| Retained earnings to average equity (ytd only) | 5.6165% | 2,707 |
| Net charge-offs to loans | -0.0110% | 4,763 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6612% | 4,527 |
| Assets per employee ($millions) | 3.0168% | 5,641 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 2,586 |
| Loan loss allowance to noncurrent loans | 336.3057% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 3,780 |
| Noncurrent loans to loans | 0.4365% | 4,289 |
| Net loans and leases to total assets | 69.1001% | 2,267 |
| Net loans and leases to deposits | 84.8327% | 1,975 |
| Net loans and leases to core deposits | 89.8302% | 2,148 |
| Total domestic deposits to total assets | 81.4546% | 4,687 |
| Equity capital to assets | 12.1965% | 1,893 |
| Core capital (leverage) ratio | 11.7230% | 1,835 |
| Tier 1 risk-based capital ratio | 14.0029% | 4,013 |
| Total risk-based capital ratio | 15.2519% | 3,937 |
| Memoranda: | ||
| Average total assets | $50,374,000 | 5,715 |
| Average earning assets | $45,657,000 | 5,717 |
| Average equity | $6,196,000 | 5,555 |
| Average total loans | $36,336,500 | 5,283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 334 |
| Cost of funding earning assets | 0.5821% | 1,931 |
| Net interest margin | 4.8952% | 359 |
| Noninterest income to average assets | 0.7626% | 2,020 |
| Noninterest expense to average assets | 4.1668% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7240% | 3,775 |
| Return on assets (ROA) | 0.7240% | 3,883 |
| Pretax return on assets | 0.9395% | 3,741 |
| Return on Equity (ROE) | 5.9142% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.4223% | 3,777 |
| Net charge-offs to loans | 0.3334% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.0174% | 3,760 |
| Efficiency ratio | 81.6010% | 1,708 |
| Assets per employee ($millions) | 2.9096% | 5,816 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 2,839 |
| Loan loss allowance to noncurrent loans | 705.4054% | 807 |
| Noncurrent assets plus other real estate owned to assets | 2.0783% | 1,199 |
| Noncurrent loans to loans | 0.2016% | 5,098 |
| Net loans and leases to total assets | 73.1557% | 1,731 |
| Net loans and leases to deposits | 90.2212% | 1,496 |
| Net loans and leases to core deposits | 94.8269% | 1,836 |
| Total domestic deposits to total assets | 81.0849% | 4,724 |
| Equity capital to assets | 12.5083% | 1,646 |
| Core capital (leverage) ratio | 12.0666% | 1,581 |
| Tier 1 risk-based capital ratio | 15.3362% | 3,297 |
| Total risk-based capital ratio | 16.5061% | 3,291 |
| Memoranda: | ||
| Average total assets | $49,174,400 | 5,805 |
| Average earning assets | $43,634,200 | 5,834 |
| Average equity | $6,019,400 | 5,617 |
| Average total loans | $34,491,200 | 5,381 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 385 |
| Cost of funding earning assets | 0.5926% | 1,901 |
| Net interest margin | 4.7995% | 427 |
| Noninterest income to average assets | 0.6571% | 2,537 |
| Noninterest expense to average assets | 3.9753% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8608% | 3,121 |
| Return on assets (ROA) | 0.8608% | 3,209 |
| Pretax return on assets | 0.9259% | 3,877 |
| Return on Equity (ROE) | 7.0708% | 3,676 |
| Retained earnings to average equity (ytd only) | 3.7250% | 3,990 |
| Net charge-offs to loans | 0.4361% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.0720% | 3,749 |
| Efficiency ratio | 81.1080% | 1,742 |
| Assets per employee ($millions) | 3.1342% | 5,534 |
| Cash dividends to net income (ytd only)* | 47.3194% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,969 |
| Loan loss allowance to noncurrent loans | 298.8636% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0639% | 1,371 |
| Noncurrent loans to loans | 0.4834% | 4,458 |
| Net loans and leases to total assets | 71.5616% | 1,926 |
| Net loans and leases to deposits | 87.8999% | 1,689 |
| Net loans and leases to core deposits | 92.3041% | 2,009 |
| Total domestic deposits to total assets | 81.4126% | 4,692 |
| Equity capital to assets | 12.2899% | 1,839 |
| Core capital (leverage) ratio | 12.0742% | 1,657 |
| Tier 1 risk-based capital ratio | 15.7558% | 3,183 |
| Total risk-based capital ratio | 16.9548% | 3,148 |
| Memoranda: | ||
| Average total assets | $49,102,250 | 5,873 |
| Average earning assets | $43,420,500 | 5,908 |
| Average equity | $5,977,500 | 5,684 |
| Average total loans | $33,937,250 | 5,458 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 419 |
| Cost of funding earning assets | 0.6091% | 1,821 |
| Net interest margin | 4.7148% | 471 |
| Noninterest income to average assets | 0.6687% | 2,435 |
| Noninterest expense to average assets | 3.9669% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8615% | 3,002 |
| Return on assets (ROA) | 0.8615% | 3,104 |
| Pretax return on assets | 0.8615% | 4,032 |
| Return on Equity (ROE) | 7.0998% | 3,575 |
| Retained earnings to average equity (ytd only) | 2.0285% | 4,876 |
| Net charge-offs to loans | 0.4590% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.7632% | 3,471 |
| Efficiency ratio | 82.1580% | 1,720 |
| Assets per employee ($millions) | 3.2610% | 5,324 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,929 |
| Loan loss allowance to noncurrent loans | 566.6667% | 829 |
| Noncurrent assets plus other real estate owned to assets | 2.7824% | 942 |
| Noncurrent loans to loans | 0.3119% | 5,079 |
| Net loans and leases to total assets | 63.7371% | 3,113 |
| Net loans and leases to deposits | 78.4051% | 2,745 |
| Net loans and leases to core deposits | 82.4418% | 2,920 |
| Total domestic deposits to total assets | 81.2920% | 4,878 |
| Equity capital to assets | 12.3152% | 1,763 |
| Core capital (leverage) ratio | 11.9795% | 1,662 |
| Tier 1 risk-based capital ratio | 16.7232% | 2,737 |
| Total risk-based capital ratio | 17.8538% | 2,749 |
| Memoranda: | ||
| Average total assets | $48,754,000 | 5,931 |
| Average earning assets | $43,013,670 | 5,977 |
| Average equity | $5,915,670 | 5,731 |
| Average total loans | $33,112,330 | 5,529 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 369 |
| Cost of funding earning assets | 0.6241% | 1,780 |
| Net interest margin | 4.7417% | 429 |
| Noninterest income to average assets | 0.6246% | 2,600 |
| Noninterest expense to average assets | 4.1008% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7068% | 3,654 |
| Return on assets (ROA) | 0.7068% | 3,729 |
| Pretax return on assets | 0.7068% | 4,466 |
| Return on Equity (ROE) | 5.8688% | 4,089 |
| Retained earnings to average equity (ytd only) | -4.3675% | 6,086 |
| Net charge-offs to loans | 0.4734% | 769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.1500% | 2,940 |
| Efficiency ratio | 85.2991% | 1,512 |
| Assets per employee ($millions) | 3.2840% | 5,376 |
| Cash dividends to net income (ytd only)* | 174.4186% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 1,862 |
| Loan loss allowance to noncurrent loans | 591.0891% | 806 |
| Noncurrent assets plus other real estate owned to assets | 2.8319% | 1,036 |
| Noncurrent loans to loans | 0.3151% | 5,161 |
| Net loans and leases to total assets | 63.8611% | 2,916 |
| Net loans and leases to deposits | 78.2245% | 2,522 |
| Net loans and leases to core deposits | 82.2045% | 2,719 |
| Total domestic deposits to total assets | 81.6382% | 5,043 |
| Equity capital to assets | 11.8961% | 1,944 |
| Core capital (leverage) ratio | 11.5253% | 1,947 |
| Tier 1 risk-based capital ratio | 16.2295% | 3,043 |
| Total risk-based capital ratio | 17.3617% | 3,073 |
| Memoranda: | ||
| Average total assets | $48,673,500 | 5,991 |
| Average earning assets | $42,938,500 | 6,028 |
| Average equity | $5,861,500 | 5,782 |
| Average total loans | $33,799,500 | 5,553 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 378 |
| Cost of funding earning assets | 0.6855% | 1,914 |
| Net interest margin | 4.7914% | 440 |
| Noninterest income to average assets | 0.7738% | 2,192 |
| Noninterest expense to average assets | 4.0142% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7759% | 3,415 |
| Return on assets (ROA) | 0.7759% | 3,516 |
| Pretax return on assets | 0.9699% | 3,479 |
| Return on Equity (ROE) | 6.5644% | 3,794 |
| Retained earnings to average equity (ytd only) | 3.9732% | 3,366 |
| Net charge-offs to loans | 0.0031% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 79 |
| Efficiency ratio | 80.5408% | 2,073 |
| Assets per employee ($millions) | 2.8286% | 6,069 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 2,093 |
| Loan loss allowance to noncurrent loans | 135.0318% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 3.1069% | 1,002 |
| Noncurrent loans to loans | 1.3251% | 2,921 |
| Net loans and leases to total assets | 72.5934% | 1,580 |
| Net loans and leases to deposits | 89.6088% | 1,268 |
| Net loans and leases to core deposits | 89.6088% | 2,070 |
| Total domestic deposits to total assets | 81.0115% | 5,173 |
| Equity capital to assets | 12.1925% | 1,688 |
| Core capital (leverage) ratio | 11.7624% | 1,782 |
| Tier 1 risk-based capital ratio | 15.3495% | 3,453 |
| Total risk-based capital ratio | 16.5223% | 3,450 |
| Memoranda: | ||
| Average total assets | $48,976,200 | 6,038 |
| Average earning assets | $43,035,200 | 6,080 |
| Average equity | $5,788,800 | 5,863 |
| Average total loans | $32,682,400 | 5,637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 499 |
| Cost of funding earning assets | 0.6995% | 1,953 |
| Net interest margin | 4.6375% | 576 |
| Noninterest income to average assets | 0.8103% | 2,097 |
| Noninterest expense to average assets | 3.8103% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9214% | 2,733 |
| Return on assets (ROA) | 0.9214% | 2,839 |
| Pretax return on assets | 1.0786% | 3,198 |
| Return on Equity (ROE) | 7.8562% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.3903% | 3,551 |
| Net charge-offs to loans | 0.0042% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 398.9850% | 146 |
| Efficiency ratio | 77.9379% | 2,432 |
| Assets per employee ($millions) | 3.0265% | 5,801 |
| Cash dividends to net income (ytd only)* | 44.1189% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,255 |
| Loan loss allowance to noncurrent loans | 213.4228% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 2.5607% | 1,488 |
| Noncurrent loans to loans | 0.8509% | 4,126 |
| Net loans and leases to total assets | 71.0102% | 1,777 |
| Net loans and leases to deposits | 87.3628% | 1,446 |
| Net loans and leases to core deposits | 91.9092% | 1,773 |
| Total domestic deposits to total assets | 81.2820% | 5,147 |
| Equity capital to assets | 12.0560% | 1,887 |
| Core capital (leverage) ratio | 11.9768% | 1,689 |
| Tier 1 risk-based capital ratio | 15.5806% | 3,424 |
| Total risk-based capital ratio | 16.7629% | 3,425 |
| Memoranda: | ||
| Average total assets | $49,198,500 | 6,099 |
| Average earning assets | $43,269,250 | 6,140 |
| Average equity | $5,770,250 | 5,937 |
| Average total loans | $31,967,000 | 5,723 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 698 |
| Cost of funding earning assets | 0.7276% | 1,864 |
| Net interest margin | 4.4206% | 819 |
| Noninterest income to average assets | 0.7805% | 2,273 |
| Noninterest expense to average assets | 3.6557% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8290% | 3,154 |
| Return on assets (ROA) | 0.8290% | 3,305 |
| Pretax return on assets | 1.0069% | 3,478 |
| Return on Equity (ROE) | 7.1333% | 3,529 |
| Retained earnings to average equity (ytd only) | 1.9138% | 5,051 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4042% | 2,394 |
| Assets per employee ($millions) | 3.2331% | 5,404 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 2,239 |
| Loan loss allowance to noncurrent loans | 179.4366% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 2.6208% | 1,598 |
| Noncurrent loans to loans | 1.0354% | 3,863 |
| Net loans and leases to total assets | 69.3837% | 2,002 |
| Net loans and leases to deposits | 84.9379% | 1,692 |
| Net loans and leases to core deposits | 90.7911% | 1,832 |
| Total domestic deposits to total assets | 81.6875% | 5,148 |
| Equity capital to assets | 11.7244% | 2,106 |
| Core capital (leverage) ratio | 11.6619% | 1,824 |
| Tier 1 risk-based capital ratio | 15.3626% | 3,555 |
| Total risk-based capital ratio | 16.5018% | 3,583 |
| Memoranda: | ||
| Average total assets | $49,456,670 | 6,138 |
| Average earning assets | $43,433,330 | 6,175 |
| Average equity | $5,747,670 | 5,985 |
| Average total loans | $30,948,670 | 5,805 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 1,141 |
| Cost of funding earning assets | 0.8143% | 1,451 |
| Net interest margin | 4.0623% | 1,583 |
| Noninterest income to average assets | 0.6969% | 2,605 |
| Noninterest expense to average assets | 3.4764% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5767% | 4,332 |
| Return on assets (ROA) | 0.5767% | 4,481 |
| Pretax return on assets | 0.7770% | 4,267 |
| Return on Equity (ROE) | 4.9840% | 4,580 |
| Retained earnings to average equity (ytd only) | -5.3993% | 6,392 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7326% | 2,078 |
| Assets per employee ($millions) | 3.0126% | 5,966 |
| Cash dividends to net income (ytd only)* | 208.3333% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1634% | 1,660 |
| Loan loss allowance to noncurrent loans | 108.7031% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 3.1161% | 1,419 |
| Noncurrent loans to loans | 1.9902% | 2,628 |
| Net loans and leases to total assets | 59.7631% | 3,473 |
| Net loans and leases to deposits | 73.3731% | 3,001 |
| Net loans and leases to core deposits | 78.4782% | 2,994 |
| Total domestic deposits to total assets | 81.4510% | 5,379 |
| Equity capital to assets | 11.8605% | 2,136 |
| Core capital (leverage) ratio | 11.2205% | 2,080 |
| Tier 1 risk-based capital ratio | 16.7229% | 2,897 |
| Total risk-based capital ratio | 17.8167% | 2,925 |
| Memoranda: | ||
| Average total assets | $49,936,500 | 6,185 |
| Average earning assets | $43,719,500 | 6,223 |
| Average equity | $5,778,500 | 6,039 |
| Average total loans | $29,280,000 | 5,918 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 1,622 |
| Cost of funding earning assets | 1.0033% | 1,341 |
| Net interest margin | 3.9753% | 2,489 |
| Noninterest income to average assets | 0.7682% | 2,403 |
| Noninterest expense to average assets | 3.4195% | 2,007 |
| Loan and lease loss provision to assets | 0.0490% | 5,206 |
| Net operating income to assets | 0.7897% | 3,326 |
| Return on assets (ROA) | 0.7897% | 3,582 |
| Pretax return on assets | 0.7780% | 4,376 |
| Return on Equity (ROE) | 7.0991% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.8144% | 4,947 |
| Net charge-offs to loans | 0.3053% | 3,117 |
| Credit loss provision to net charge-offs | 28.4091% | 5,146 |
| Earnings coverage of net charge-offs (x) | 4.7955% | 3,249 |
| Efficiency ratio | 80.5261% | 2,082 |
| Assets per employee ($millions) | 3.4447% | 5,119 |
| Cash dividends to net income (ytd only)* | 74.4417% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 1,574 |
| Loan loss allowance to noncurrent loans | 179.4366% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 2.4598% | 1,991 |
| Noncurrent loans to loans | 1.2193% | 3,813 |
| Net loans and leases to total assets | 55.1160% | 4,438 |
| Net loans and leases to deposits | 71.6615% | 3,467 |
| Net loans and leases to core deposits | 76.5873% | 3,449 |
| Total domestic deposits to total assets | 76.9116% | 6,239 |
| Equity capital to assets | 11.3023% | 2,630 |
| Core capital (leverage) ratio | 10.8964% | 2,346 |
| Tier 1 risk-based capital ratio | 16.3955% | 2,942 |
| Total risk-based capital ratio | 17.4470% | 3,004 |
| Memoranda: | ||
| Average total assets | $51,030,800 | 6,181 |
| Average earning assets | $44,650,600 | 6,218 |
| Average equity | $5,676,800 | 6,107 |
| Average total loans | $28,820,400 | 6,003 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 1,700 |
| Cost of funding earning assets | 1.0314% | 1,385 |
| Net interest margin | 3.9671% | 2,639 |
| Noninterest income to average assets | 0.6998% | 2,712 |
| Noninterest expense to average assets | 3.4334% | 1,920 |
| Loan and lease loss provision to assets | 0.0655% | 4,880 |
| Net operating income to assets | 0.7732% | 3,585 |
| Return on assets (ROA) | 0.7732% | 3,838 |
| Pretax return on assets | 0.6788% | 4,925 |
| Return on Equity (ROE) | 6.9787% | 3,833 |
| Retained earnings to average equity (ytd only) | -0.1183% | 6,102 |
| Net charge-offs to loans | 0.4082% | 2,463 |
| Credit loss provision to net charge-offs | 28.4091% | 4,821 |
| Earnings coverage of net charge-offs (x) | 3.2273% | 3,739 |
| Efficiency ratio | 82.1832% | 1,786 |
| Assets per employee ($millions) | 3.6776% | 4,591 |
| Cash dividends to net income (ytd only)* | 101.6958% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2982% | 1,520 |
| Loan loss allowance to noncurrent loans | 292.2018% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 2.1870% | 2,447 |
| Noncurrent loans to loans | 0.7865% | 4,834 |
| Net loans and leases to total assets | 52.5958% | 4,969 |
| Net loans and leases to deposits | 68.3183% | 4,133 |
| Net loans and leases to core deposits | 79.5815% | 3,259 |
| Total domestic deposits to total assets | 76.9864% | 6,236 |
| Equity capital to assets | 11.1232% | 3,127 |
| Core capital (leverage) ratio | 10.6311% | 2,769 |
| Tier 1 risk-based capital ratio | 17.1991% | 2,653 |
| Total risk-based capital ratio | 18.2766% | 2,678 |
| Memoranda: | ||
| Average total assets | $50,870,750 | 6,258 |
| Average earning assets | $44,599,500 | 6,288 |
| Average equity | $5,636,000 | 6,184 |
| Average total loans | $28,746,500 | 6,075 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 1,409 |
| Cost of funding earning assets | 1.0663% | 1,374 |
| Net interest margin | 4.0700% | 2,208 |
| Noninterest income to average assets | 0.6434% | 2,985 |
| Noninterest expense to average assets | 3.4540% | 1,899 |
| Loan and lease loss provision to assets | 0.0987% | 4,297 |
| Net operating income to assets | 0.7737% | 3,500 |
| Return on assets (ROA) | 0.7737% | 3,773 |
| Pretax return on assets | 0.6316% | 5,018 |
| Return on Equity (ROE) | 6.9929% | 3,786 |
| Retained earnings to average equity (ytd only) | -3.7105% | 6,531 |
| Net charge-offs to loans | 0.6050% | 1,806 |
| Credit loss provision to net charge-offs | 28.4091% | 4,466 |
| Earnings coverage of net charge-offs (x) | 2.1023% | 3,937 |
| Efficiency ratio | 82.5472% | 1,809 |
| Assets per employee ($millions) | 3.6635% | 4,607 |
| Cash dividends to net income (ytd only)* | 153.0612% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3096% | 1,575 |
| Loan loss allowance to noncurrent loans | 150.9479% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 2.5931% | 2,139 |
| Noncurrent loans to loans | 1.5300% | 3,609 |
| Net loans and leases to total assets | 52.5337% | 5,025 |
| Net loans and leases to deposits | 68.1023% | 4,179 |
| Net loans and leases to core deposits | 75.8687% | 3,779 |
| Total domestic deposits to total assets | 77.1393% | 6,303 |
| Equity capital to assets | 10.9439% | 3,175 |
| Core capital (leverage) ratio | 10.5240% | 2,775 |
| Tier 1 risk-based capital ratio | 16.6749% | 2,818 |
| Total risk-based capital ratio | 17.7357% | 2,890 |
| Memoranda: | ||
| Average total assets | $50,665,330 | 6,306 |
| Average earning assets | $44,078,330 | 6,345 |
| Average equity | $5,605,670 | 6,213 |
| Average total loans | $29,089,670 | 6,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 1,181 |
| Cost of funding earning assets | 1.1083% | 1,359 |
| Net interest margin | 4.1561% | 1,915 |
| Noninterest income to average assets | 0.7229% | 2,544 |
| Noninterest expense to average assets | 3.4715% | 1,821 |
| Loan and lease loss provision to assets | 0.1986% | 2,955 |
| Net operating income to assets | 0.9135% | 2,855 |
| Return on assets (ROA) | 0.9135% | 3,073 |
| Pretax return on assets | 0.6276% | 5,021 |
| Return on Equity (ROE) | 8.2114% | 3,187 |
| Retained earnings to average equity (ytd only) | -13.2096% | 6,935 |
| Net charge-offs to loans | 1.1795% | 869 |
| Credit loss provision to net charge-offs | 28.4091% | 3,649 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,744 |
| Efficiency ratio | 80.7763% | 2,110 |
| Assets per employee ($millions) | 3.6583% | 4,742 |
| Cash dividends to net income (ytd only)* | 260.8696% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2730% | 1,729 |
| Loan loss allowance to noncurrent loans | 318.5000% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 3.7976% | 1,471 |
| Noncurrent loans to loans | 0.7136% | 5,236 |
| Net loans and leases to total assets | 53.4755% | 4,807 |
| Net loans and leases to deposits | 69.2508% | 3,834 |
| Net loans and leases to core deposits | 77.1471% | 3,448 |
| Total domestic deposits to total assets | 77.2200% | 6,362 |
| Equity capital to assets | 10.7662% | 3,189 |
| Core capital (leverage) ratio | 10.3987% | 2,879 |
| Tier 1 risk-based capital ratio | 16.0012% | 3,176 |
| Total risk-based capital ratio | 17.0561% | 3,249 |
| Memoranda: | ||
| Average total assets | $50,353,500 | 6,362 |
| Average earning assets | $43,309,500 | 6,415 |
| Average equity | $5,602,000 | 6,249 |
| Average total loans | $29,844,000 | 6,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6752% | 820 |
| Cost of funding earning assets | 1.2855% | 1,551 |
| Net interest margin | 4.3897% | 1,418 |
| Noninterest income to average assets | 0.5758% | 3,323 |
| Noninterest expense to average assets | 3.4938% | 1,993 |
| Loan and lease loss provision to assets | 0.4227% | 2,479 |
| Net operating income to assets | 0.4556% | 4,607 |
| Return on assets (ROA) | 0.4556% | 4,822 |
| Pretax return on assets | 0.5060% | 4,972 |
| Return on Equity (ROE) | 4.2433% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.2433% | 3,169 |
| Net charge-offs to loans | 1.0133% | 1,717 |
| Credit loss provision to net charge-offs | 58.7601% | 5,199 |
| Earnings coverage of net charge-offs (x) | 1.2911% | 4,809 |
| Efficiency ratio | 79.0004% | 2,446 |
| Assets per employee ($millions) | 3.5351% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 1,785 |
| Loan loss allowance to noncurrent loans | 350.0000% | 947 |
| Noncurrent assets plus other real estate owned to assets | 4.2836% | 1,304 |
| Noncurrent loans to loans | 0.6317% | 5,451 |
| Net loans and leases to total assets | 62.5629% | 3,494 |
| Net loans and leases to deposits | 82.2412% | 2,166 |
| Net loans and leases to core deposits | 93.2508% | 1,773 |
| Total domestic deposits to total assets | 76.0724% | 6,472 |
| Equity capital to assets | 11.4970% | 2,509 |
| Core capital (leverage) ratio | 10.9348% | 2,316 |
| Tier 1 risk-based capital ratio | 15.3557% | 3,417 |
| Total risk-based capital ratio | 16.4514% | 3,477 |
| Memoranda: | ||
| Average total assets | $51,577,400 | 6,313 |
| Average earning assets | $45,196,600 | 6,353 |
| Average equity | $5,538,200 | 6,284 |
| Average total loans | $36,612,000 | 5,844 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 991 |
| Cost of funding earning assets | 1.2959% | 1,729 |
| Net interest margin | 4.3255% | 1,626 |
| Noninterest income to average assets | 0.5144% | 3,762 |
| Noninterest expense to average assets | 3.4677% | 2,024 |
| Loan and lease loss provision to assets | 0.4453% | 2,244 |
| Net operating income to assets | 0.3532% | 5,196 |
| Return on assets (ROA) | 0.3532% | 5,374 |
| Pretax return on assets | 0.4197% | 5,408 |
| Return on Equity (ROE) | 3.3453% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.3453% | 4,343 |
| Net charge-offs to loans | 0.9441% | 1,709 |
| Credit loss provision to net charge-offs | 64.9254% | 4,636 |
| Earnings coverage of net charge-offs (x) | 1.2612% | 4,671 |
| Efficiency ratio | 80.0354% | 2,250 |
| Assets per employee ($millions) | 3.3138% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 1,875 |
| Loan loss allowance to noncurrent loans | 57.5436% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 4.7237% | 1,246 |
| Noncurrent loans to loans | 3.8102% | 1,767 |
| Net loans and leases to total assets | 68.1172% | 2,465 |
| Net loans and leases to deposits | 89.3519% | 1,282 |
| Net loans and leases to core deposits | 101.0596% | 1,157 |
| Total domestic deposits to total assets | 76.2347% | 6,503 |
| Equity capital to assets | 11.4310% | 2,750 |
| Core capital (leverage) ratio | 10.9685% | 2,418 |
| Tier 1 risk-based capital ratio | 14.5083% | 3,974 |
| Total risk-based capital ratio | 15.6755% | 3,996 |
| Memoranda: | ||
| Average total assets | $52,099,000 | 6,354 |
| Average earning assets | $45,989,750 | 6,385 |
| Average equity | $5,500,250 | 6,338 |
| Average total loans | $37,849,250 | 5,841 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5058% | 1,284 |
| Cost of funding earning assets | 1.2895% | 2,007 |
| Net interest margin | 4.2163% | 1,972 |
| Noninterest income to average assets | 0.4008% | 4,676 |
| Noninterest expense to average assets | 3.3575% | 2,377 |
| Loan and lease loss provision to assets | 0.6012% | 1,604 |
| Net operating income to assets | 0.1021% | 6,011 |
| Return on assets (ROA) | 0.1021% | 6,088 |
| Pretax return on assets | 0.2004% | 5,932 |
| Return on Equity (ROE) | 0.9927% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.9927% | 5,470 |
| Net charge-offs to loans | 1.2999% | 1,181 |
| Credit loss provision to net charge-offs | 62.8458% | 4,278 |
| Earnings coverage of net charge-offs (x) | 0.8379% | 4,672 |
| Efficiency ratio | 80.7273% | 2,275 |
| Assets per employee ($millions) | 3.3357% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 2,142 |
| Loan loss allowance to noncurrent loans | 75.9000% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 4.3329% | 1,466 |
| Noncurrent loans to loans | 2.7493% | 2,652 |
| Net loans and leases to total assets | 71.1768% | 1,964 |
| Net loans and leases to deposits | 92.7255% | 979 |
| Net loans and leases to core deposits | 108.7019% | 771 |
| Total domestic deposits to total assets | 76.7607% | 6,486 |
| Equity capital to assets | 11.0021% | 2,947 |
| Core capital (leverage) ratio | 9.6636% | 3,715 |
| Tier 1 risk-based capital ratio | 13.7234% | 4,364 |
| Total risk-based capital ratio | 14.9052% | 4,393 |
| Memoranda: | ||
| Average total assets | $52,896,330 | 6,372 |
| Average earning assets | $47,150,330 | 6,392 |
| Average equity | $5,439,670 | 6,392 |
| Average total loans | $38,926,330 | 5,849 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 719 |
| Cost of funding earning assets | 1.2898% | 2,244 |
| Net interest margin | 4.5266% | 1,010 |
| Noninterest income to average assets | 0.2577% | 5,834 |
| Noninterest expense to average assets | 3.2470% | 2,716 |
| Loan and lease loss provision to assets | 0.0589% | 5,266 |
| Net operating income to assets | 0.8173% | 2,940 |
| Return on assets (ROA) | 0.8173% | 2,995 |
| Pretax return on assets | 1.0087% | 3,108 |
| Return on Equity (ROE) | 8.2116% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.2116% | 1,661 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2560% | 3,293 |
| Assets per employee ($millions) | 1.3633% | 7,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2142% | 1,926 |
| Loan loss allowance to noncurrent loans | 79.1360% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 3.8429% | 1,743 |
| Noncurrent loans to loans | 2.7980% | 2,700 |
| Net loans and leases to total assets | 68.0276% | 2,544 |
| Net loans and leases to deposits | 86.0194% | 1,724 |
| Net loans and leases to core deposits | 98.5997% | 1,466 |
| Total domestic deposits to total assets | 79.0840% | 6,169 |
| Equity capital to assets | 9.8649% | 3,946 |
| Core capital (leverage) ratio | 9.4165% | 3,934 |
| Tier 1 risk-based capital ratio | 13.1053% | 4,746 |
| Total risk-based capital ratio | 14.3654% | 4,713 |
| Memoranda: | ||
| Average total assets | $54,326,500 | 6,363 |
| Average earning assets | $48,689,500 | 6,390 |
| Average equity | $5,407,000 | 6,416 |
| Average total loans | $40,203,000 | 5,840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2246% | 540 |
| Cost of funding earning assets | 1.5629% | 2,286 |
| Net interest margin | 4.6617% | 886 |
| Noninterest income to average assets | 0.2157% | 6,270 |
| Noninterest expense to average assets | 3.1496% | 3,273 |
| Loan and lease loss provision to assets | 0.8715% | 1,874 |
| Net operating income to assets | 0.3486% | 4,749 |
| Return on assets (ROA) | 0.3486% | 4,909 |
| Pretax return on assets | 0.3486% | 5,087 |
| Return on Equity (ROE) | 3.8589% | 4,586 |
| Retained earnings to average equity (ytd only) | 3.8589% | 3,161 |
| Net charge-offs to loans | 0.4912% | 3,660 |
| Credit loss provision to net charge-offs | 229.5455% | 1,283 |
| Earnings coverage of net charge-offs (x) | 3.2136% | 3,473 |
| Efficiency ratio | 72.0774% | 3,778 |
| Assets per employee ($millions) | 3.1034% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 2,168 |
| Loan loss allowance to noncurrent loans | 52.1394% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 3.6184% | 1,899 |
| Noncurrent loans to loans | 3.9402% | 1,853 |
| Net loans and leases to total assets | 77.0840% | 1,077 |
| Net loans and leases to deposits | 98.4817% | 676 |
| Net loans and leases to core deposits | 113.2435% | 760 |
| Total domestic deposits to total assets | 78.2725% | 6,259 |
| Equity capital to assets | 10.0459% | 3,694 |
| Core capital (leverage) ratio | 9.6775% | 3,461 |
| Tier 1 risk-based capital ratio | 12.5200% | 5,005 |
| Total risk-based capital ratio | 13.8018% | 4,965 |
| Memoranda: | ||
| Average total assets | $57,943,000 | 6,278 |
| Average earning assets | $51,633,600 | 6,307 |
| Average equity | $5,234,600 | 6,580 |
| Average total loans | $44,786,800 | 5,712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0975% | 765 |
| Cost of funding earning assets | 1.6065% | 2,353 |
| Net interest margin | 4.4911% | 1,277 |
| Noninterest income to average assets | 0.0990% | 7,051 |
| Noninterest expense to average assets | 3.0610% | 3,531 |
| Loan and lease loss provision to assets | 0.6572% | 2,324 |
| Net operating income to assets | 0.3826% | 4,824 |
| Return on assets (ROA) | 0.3826% | 5,011 |
| Pretax return on assets | 0.3826% | 5,272 |
| Return on Equity (ROE) | 4.3436% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.3436% | 3,437 |
| Net charge-offs to loans | 0.2895% | 4,210 |
| Credit loss provision to net charge-offs | 294.9495% | 1,084 |
| Earnings coverage of net charge-offs (x) | 4.6665% | 2,956 |
| Efficiency ratio | 74.6432% | 3,208 |
| Assets per employee ($millions) | 3.2013% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 3,112 |
| Loan loss allowance to noncurrent loans | 66.9894% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5082% | 2,863 |
| Noncurrent loans to loans | 2.5572% | 3,065 |
| Net loans and leases to total assets | 80.2304% | 711 |
| Net loans and leases to deposits | 102.2170% | 525 |
| Net loans and leases to core deposits | 116.3323% | 736 |
| Total domestic deposits to total assets | 78.4903% | 6,145 |
| Equity capital to assets | 10.0162% | 4,142 |
| Core capital (leverage) ratio | 9.2973% | 4,214 |
| Tier 1 risk-based capital ratio | 11.9045% | 5,549 |
| Total risk-based capital ratio | 13.1879% | 5,490 |
| Memoranda: | ||
| Average total assets | $59,239,250 | 6,297 |
| Average earning assets | $52,785,000 | 6,338 |
| Average equity | $5,218,250 | 6,664 |
| Average total loans | $45,603,250 | 5,759 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9697% | 1,017 |
| Cost of funding earning assets | 1.6389% | 2,440 |
| Net interest margin | 4.3308% | 1,667 |
| Noninterest income to average assets | -0.0625% | 7,601 |
| Noninterest expense to average assets | 2.9748% | 3,808 |
| Loan and lease loss provision to assets | 0.9598% | 1,527 |
| Net operating income to assets | -0.3287% | 6,508 |
| Return on assets (ROA) | -0.3287% | 6,548 |
| Pretax return on assets | -0.1578% | 6,297 |
| Return on Equity (ROE) | -3.8905% | 6,610 |
| Retained earnings to average equity (ytd only) | -3.8905% | 6,425 |
| Net charge-offs to loans | 0.4392% | 3,226 |
| Credit loss provision to net charge-offs | 289.1089% | 1,286 |
| Earnings coverage of net charge-offs (x) | 2.4158% | 3,787 |
| Efficiency ratio | 78.7641% | 2,611 |
| Assets per employee ($millions) | 3.6279% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 2,983 |
| Loan loss allowance to noncurrent loans | 66.8134% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 3.6437% | 1,924 |
| Noncurrent loans to loans | 2.5813% | 3,056 |
| Net loans and leases to total assets | 74.5099% | 1,810 |
| Net loans and leases to deposits | 94.0299% | 1,271 |
| Net loans and leases to core deposits | 109.9306% | 1,165 |
| Total domestic deposits to total assets | 79.2406% | 5,962 |
| Equity capital to assets | 8.7500% | 5,815 |
| Core capital (leverage) ratio | 8.5495% | 5,326 |
| Tier 1 risk-based capital ratio | 10.8963% | 6,350 |
| Total risk-based capital ratio | 12.1526% | 6,328 |
| Memoranda: | ||
| Average total assets | $60,845,000 | 6,271 |
| Average earning assets | $53,939,330 | 6,327 |
| Average equity | $5,140,670 | 6,735 |
| Average total loans | $45,996,330 | 5,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 1,079 |
| Cost of funding earning assets | 1.6425% | 2,694 |
| Net interest margin | 4.3069% | 1,671 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 2.9432% | 3,894 |
| Loan and lease loss provision to assets | 0.3599% | 3,215 |
| Net operating income to assets | 0.1542% | 5,840 |
| Return on assets (ROA) | 0.1542% | 5,968 |
| Pretax return on assets | 0.4884% | 5,005 |
| Return on Equity (ROE) | 1.8563% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.8563% | 5,004 |
| Net charge-offs to loans | -0.0255% | 7,140 |
| Credit loss provision to net charge-offs | -1,866.6667% | 6,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6271% | 2,955 |
| Assets per employee ($millions) | 3.2721% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,630 |
| Loan loss allowance to noncurrent loans | 278.6667% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1088% | 3,371 |
| Noncurrent loans to loans | 0.4878% | 6,324 |
| Net loans and leases to total assets | 77.2484% | 1,289 |
| Net loans and leases to deposits | 97.2657% | 975 |
| Net loans and leases to core deposits | 113.3712% | 1,069 |
| Total domestic deposits to total assets | 79.4200% | 5,986 |
| Equity capital to assets | 8.8035% | 5,550 |
| Core capital (leverage) ratio | 8.2667% | 5,808 |
| Tier 1 risk-based capital ratio | 10.6779% | 6,466 |
| Total risk-based capital ratio | 11.9992% | 6,376 |
| Memoranda: | ||
| Average total assets | $62,244,500 | 6,299 |
| Average earning assets | $54,796,000 | 6,366 |
| Average equity | $5,171,500 | 6,791 |
| Average total loans | $46,990,000 | 5,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3814% | 865 |
| Cost of funding earning assets | 2.1720% | 2,150 |
| Net interest margin | 4.2094% | 2,035 |
| Noninterest income to average assets | 0.3500% | 5,591 |
| Noninterest expense to average assets | 2.9453% | 4,364 |
| Loan and lease loss provision to assets | 0.3025% | 5,017 |
| Net operating income to assets | 0.5299% | 3,608 |
| Return on assets (ROA) | 0.5299% | 3,702 |
| Pretax return on assets | 0.7850% | 3,295 |
| Return on Equity (ROE) | 6.4992% | 2,994 |
| Retained earnings to average equity (ytd only) | 6.4992% | 1,149 |
| Net charge-offs to loans | 0.3645% | 4,402 |
| Credit loss provision to net charge-offs | 107.5581% | 5,154 |
| Earnings coverage of net charge-offs (x) | 3.8663% | 3,163 |
| Efficiency ratio | 73.0333% | 4,090 |
| Assets per employee ($millions) | 3.6440% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,436 |
| Loan loss allowance to noncurrent loans | 728.2051% | 469 |
| Noncurrent assets plus other real estate owned to assets | 2.4957% | 2,799 |
| Noncurrent loans to loans | 0.1630% | 7,015 |
| Net loans and leases to total assets | 72.0942% | 2,735 |
| Net loans and leases to deposits | 88.3591% | 2,495 |
| Net loans and leases to core deposits | 115.7856% | 2,344 |
| Total domestic deposits to total assets | 81.5923% | 5,112 |
| Equity capital to assets | 7.8638% | 6,705 |
| Core capital (leverage) ratio | 8.5219% | 5,246 |
| Tier 1 risk-based capital ratio | 9.9145% | 6,942 |
| Total risk-based capital ratio | 11.0312% | 7,024 |
| Memoranda: | ||
| Average total assets | $61,149,200 | 6,306 |
| Average earning assets | $53,499,000 | 6,395 |
| Average equity | $4,985,200 | 6,946 |
| Average total loans | $47,190,600 | 5,798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4573% | 828 |
| Cost of funding earning assets | 2.3237% | 1,896 |
| Net interest margin | 4.1336% | 2,273 |
| Noninterest income to average assets | 0.3331% | 5,823 |
| Noninterest expense to average assets | 2.9669% | 4,177 |
| Loan and lease loss provision to assets | 0.2332% | 5,108 |
| Net operating income to assets | 0.4264% | 4,293 |
| Return on assets (ROA) | 0.4264% | 4,399 |
| Pretax return on assets | 0.7595% | 3,667 |
| Return on Equity (ROE) | 5.1799% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.1799% | 2,383 |
| Net charge-offs to loans | 0.3232% | 4,019 |
| Credit loss provision to net charge-offs | 92.1053% | 5,427 |
| Earnings coverage of net charge-offs (x) | 3.9210% | 3,331 |
| Efficiency ratio | 74.9299% | 3,705 |
| Assets per employee ($millions) | 3.0181% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 5,202 |
| Loan loss allowance to noncurrent loans | 115.1899% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 3.2279% | 2,101 |
| Noncurrent loans to loans | 1.0274% | 5,256 |
| Net loans and leases to total assets | 79.5061% | 1,286 |
| Net loans and leases to deposits | 105.0241% | 707 |
| Net loans and leases to core deposits | 140.4040% | 894 |
| Total domestic deposits to total assets | 75.7028% | 6,640 |
| Equity capital to assets | 8.8501% | 5,711 |
| Core capital (leverage) ratio | 8.7028% | 5,121 |
| Tier 1 risk-based capital ratio | 10.2590% | 6,726 |
| Total risk-based capital ratio | 11.3996% | 6,772 |
| Memoranda: | ||
| Average total assets | $60,038,500 | 6,388 |
| Average earning assets | $52,673,250 | 6,467 |
| Average equity | $4,942,000 | 7,025 |
| Average total loans | $47,024,250 | 5,849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4067% | 995 |
| Cost of funding earning assets | 2.4244% | 1,863 |
| Net interest margin | 3.9822% | 2,778 |
| Noninterest income to average assets | 0.3643% | 5,596 |
| Noninterest expense to average assets | 2.8456% | 4,759 |
| Loan and lease loss provision to assets | 0.3282% | 3,969 |
| Net operating income to assets | 0.4168% | 4,437 |
| Return on assets (ROA) | 0.4168% | 4,549 |
| Pretax return on assets | 0.6892% | 4,037 |
| Return on Equity (ROE) | 5.1861% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.1861% | 2,402 |
| Net charge-offs to loans | 0.4818% | 2,903 |
| Credit loss provision to net charge-offs | 87.7193% | 4,987 |
| Earnings coverage of net charge-offs (x) | 2.7193% | 3,721 |
| Efficiency ratio | 73.6619% | 4,086 |
| Assets per employee ($millions) | 3.3475% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,068 |
| Loan loss allowance to noncurrent loans | 90.9244% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 3.4126% | 1,834 |
| Noncurrent loans to loans | 1.2992% | 4,604 |
| Net loans and leases to total assets | 79.5262% | 1,393 |
| Net loans and leases to deposits | 99.0957% | 1,379 |
| Net loans and leases to core deposits | 130.1769% | 1,542 |
| Total domestic deposits to total assets | 80.2520% | 5,369 |
| Equity capital to assets | 8.6000% | 5,892 |
| Core capital (leverage) ratio | 8.3055% | 5,788 |
| Tier 1 risk-based capital ratio | 10.1532% | 6,772 |
| Total risk-based capital ratio | 11.2866% | 6,805 |
| Memoranda: | ||
| Average total assets | $60,936,670 | 6,416 |
| Average earning assets | $53,538,000 | 6,490 |
| Average equity | $4,897,670 | 7,099 |
| Average total loans | $47,319,670 | 5,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1145% | 1,893 |
| Cost of funding earning assets | 2.4948% | 1,935 |
| Net interest margin | 3.6196% | 4,242 |
| Noninterest income to average assets | 0.3114% | 5,947 |
| Noninterest expense to average assets | 2.6497% | 5,220 |
| Loan and lease loss provision to assets | 0.0953% | 5,742 |
| Net operating income to assets | 0.4384% | 4,706 |
| Return on assets (ROA) | 0.4384% | 4,879 |
| Pretax return on assets | 0.7561% | 4,230 |
| Return on Equity (ROE) | 5.6332% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.6332% | 2,805 |
| Net charge-offs to loans | 0.0998% | 4,178 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 1,892 |
| Efficiency ratio | 75.6806% | 3,538 |
| Assets per employee ($millions) | 3.5448% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 4,927 |
| Loan loss allowance to noncurrent loans | 205.1471% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 2.7713% | 2,044 |
| Noncurrent loans to loans | 0.5751% | 5,968 |
| Net loans and leases to total assets | 77.5560% | 1,919 |
| Net loans and leases to deposits | 95.4712% | 2,038 |
| Net loans and leases to core deposits | 127.6173% | 1,812 |
| Total domestic deposits to total assets | 81.2350% | 4,875 |
| Equity capital to assets | 8.1910% | 6,548 |
| Core capital (leverage) ratio | 7.6926% | 6,896 |
| Tier 1 risk-based capital ratio | 9.7410% | 7,210 |
| Total risk-based capital ratio | 10.8762% | 7,252 |
| Memoranda: | ||
| Average total assets | $62,951,500 | 6,358 |
| Average earning assets | $55,475,000 | 6,435 |
| Average equity | $4,899,500 | 7,147 |
| Average total loans | $48,081,000 | 5,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1373% | 841 |
| Cost of funding earning assets | 3.0771% | 1,582 |
| Net interest margin | 4.0602% | 2,872 |
| Noninterest income to average assets | 0.2548% | 6,625 |
| Noninterest expense to average assets | 2.9249% | 4,358 |
| Loan and lease loss provision to assets | 0.2062% | 4,830 |
| Net operating income to assets | 0.4827% | 4,815 |
| Return on assets (ROA) | 0.3151% | 5,310 |
| Pretax return on assets | 0.5766% | 4,764 |
| Return on Equity (ROE) | 4.0123% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.0123% | 2,635 |
| Net charge-offs to loans | 0.3194% | 3,262 |
| Credit loss provision to net charge-offs | 83.1081% | 5,840 |
| Earnings coverage of net charge-offs (x) | 3.8311% | 4,212 |
| Efficiency ratio | 75.4758% | 3,331 |
| Assets per employee ($millions) | 3.6468% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,020 |
| Loan loss allowance to noncurrent loans | 176.7516% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 2.5944% | 1,859 |
| Noncurrent loans to loans | 0.6425% | 5,439 |
| Net loans and leases to total assets | 73.6007% | 3,207 |
| Net loans and leases to deposits | 88.6217% | 3,701 |
| Net loans and leases to core deposits | 114.5699% | 3,275 |
| Total domestic deposits to total assets | 83.0505% | 3,749 |
| Equity capital to assets | 7.4084% | 7,458 |
| Core capital (leverage) ratio | 8.0661% | 6,382 |
| Tier 1 risk-based capital ratio | 9.1904% | 7,625 |
| Total risk-based capital ratio | 10.2713% | 7,754 |
| Memoranda: | ||
| Average total assets | $59,660,800 | 6,392 |
| Average earning assets | $53,199,400 | 6,456 |
| Average equity | $4,685,600 | 7,260 |
| Average total loans | $46,338,800 | 5,860 |