Home > Concorde Bank > Performance and Condition Ratios
Concorde Bank, 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 | 6.1474% | 530 |
| Cost of funding earning assets | 1.2142% | 2,766 |
| Net interest margin | 4.9332% | 346 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.1213% | 928 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3597% | 1,296 |
| Return on assets (ROA) | 1.3597% | 1,270 |
| Pretax return on assets | 1.5057% | 1,401 |
| Return on Equity (ROE) | 15.8800% | 1,119 |
| Retained earnings to average equity (ytd only) | 12.5622% | 568 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.0697% | 2,225 |
| Assets per employee ($millions) | 5.3069% | 3,387 |
| Cash dividends to net income (ytd only)* | 20.8867% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2691% | 254 |
| Loan loss allowance to noncurrent loans | 413.6223% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 1,276 |
| Noncurrent loans to loans | 0.5486% | 1,432 |
| Net loans and leases to total assets | 77.4500% | 922 |
| Net loans and leases to deposits | 86.0212% | 1,614 |
| Net loans and leases to core deposits | 90.1264% | 2,042 |
| Total domestic deposits to total assets | 90.0400% | 748 |
| Equity capital to assets | 9.4190% | 2,408 |
| Core capital (leverage) ratio | 10.1973% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5278% | 1,674 |
| Memoranda: | ||
| Average total assets | $74,647,600 | 4,069 |
| Average earning assets | $65,556,000 | 4,082 |
| Average equity | $6,392,200 | 4,123 |
| Average total loans | $53,414,800 | 3,791 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9697% | 553 |
| Cost of funding earning assets | 1.1259% | 2,667 |
| Net interest margin | 4.8438% | 385 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.9865% | 1,092 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.4201% | 1,275 |
| Return on assets (ROA) | 1.4201% | 1,257 |
| Pretax return on assets | 1.4897% | 1,575 |
| Return on Equity (ROE) | 17.0100% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.3528% | 765 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1922% | 2,251 |
| Assets per employee ($millions) | 5.6605% | 3,055 |
| Cash dividends to net income (ytd only)* | 21.4824% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3914% | 236 |
| Loan loss allowance to noncurrent loans | 99.4048% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 166 |
| Noncurrent loans to loans | 2.4058% | 207 |
| Net loans and leases to total assets | 74.1000% | 1,327 |
| Net loans and leases to deposits | 81.6550% | 1,930 |
| Net loans and leases to core deposits | 85.6004% | 2,208 |
| Total domestic deposits to total assets | 90.7500% | 732 |
| Equity capital to assets | 8.7992% | 2,536 |
| Core capital (leverage) ratio | 9.7763% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3906% | 1,756 |
| Memoranda: | ||
| Average total assets | $74,735,250 | 4,085 |
| Average earning assets | $64,658,250 | 4,110 |
| Average equity | $6,240,750 | 4,144 |
| Average total loans | $52,048,750 | 3,816 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7629% | 582 |
| Cost of funding earning assets | 1.0481% | 2,459 |
| Net interest margin | 4.7148% | 448 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.6430% | 1,816 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4346% | 1,248 |
| Return on assets (ROA) | 1.4346% | 1,238 |
| Pretax return on assets | 1.5384% | 1,524 |
| Return on Equity (ROE) | 17.4200% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.6408% | 729 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.4136% | 2,655 |
| Assets per employee ($millions) | 5.7325% | 2,941 |
| Cash dividends to net income (ytd only)* | 21.7069% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5287% | 214 |
| Loan loss allowance to noncurrent loans | 409.8160% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 1,217 |
| Noncurrent loans to loans | 0.6170% | 1,211 |
| Net loans and leases to total assets | 69.1000% | 1,838 |
| Net loans and leases to deposits | 76.0062% | 2,310 |
| Net loans and leases to core deposits | 79.2838% | 2,523 |
| Total domestic deposits to total assets | 90.9200% | 678 |
| Equity capital to assets | 8.6552% | 2,746 |
| Core capital (leverage) ratio | 9.4595% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4345% | 1,744 |
| Memoranda: | ||
| Average total assets | $75,143,000 | 4,100 |
| Average earning assets | $63,162,333 | 4,148 |
| Average equity | $6,187,333 | 4,172 |
| Average total loans | $50,776,333 | 3,850 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3993% | 715 |
| Cost of funding earning assets | 0.9551% | 2,200 |
| Net interest margin | 4.4442% | 634 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.8273% | 1,377 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8291% | 3,094 |
| Return on assets (ROA) | 0.8291% | 3,051 |
| Pretax return on assets | 0.9300% | 3,168 |
| Return on Equity (ROE) | 10.6300% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.1581% | 3,223 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3017% | 1,313 |
| Assets per employee ($millions) | 5.8557% | 2,890 |
| Cash dividends to net income (ytd only)* | 60.8974% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6553% | 189 |
| Loan loss allowance to noncurrent loans | 643.6893% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 1,791 |
| Noncurrent loans to loans | 0.4125% | 1,697 |
| Net loans and leases to total assets | 63.8600% | 2,262 |
| Net loans and leases to deposits | 69.3521% | 2,666 |
| Net loans and leases to core deposits | 71.5720% | 2,847 |
| Total domestic deposits to total assets | 92.0800% | 495 |
| Equity capital to assets | 7.5916% | 3,514 |
| Core capital (leverage) ratio | 8.6156% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8274% | 2,038 |
| Memoranda: | ||
| Average total assets | $75,265,500 | 4,156 |
| Average earning assets | $61,564,000 | 4,220 |
| Average equity | $5,868,000 | 4,255 |
| Average total loans | $49,747,500 | 3,910 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 180 |
| Cost of funding earning assets | 0.7010% | 577 |
| Net interest margin | 4.6712% | 218 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.6930% | 1,574 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7087% | 3,596 |
| Return on assets (ROA) | 0.7087% | 3,539 |
| Pretax return on assets | 0.8125% | 3,596 |
| Return on Equity (ROE) | 9.2300% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.0202% | 3,389 |
| Net charge-offs to loans | -0.1560% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.1087% | 996 |
| Assets per employee ($millions) | 5.7298% | 3,004 |
| Cash dividends to net income (ytd only)* | 56.4286% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6575% | 181 |
| Loan loss allowance to noncurrent loans | 908.2759% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 2,199 |
| Noncurrent loans to loans | 0.2926% | 2,095 |
| Net loans and leases to total assets | 64.7600% | 2,169 |
| Net loans and leases to deposits | 70.6569% | 2,529 |
| Net loans and leases to core deposits | 73.2022% | 2,630 |
| Total domestic deposits to total assets | 91.6600% | 732 |
| Equity capital to assets | 8.1048% | 2,991 |
| Core capital (leverage) ratio | 8.8042% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0575% | 1,958 |
| Memoranda: | ||
| Average total assets | $79,018,800 | 4,141 |
| Average earning assets | $55,916,800 | 4,313 |
| Average equity | $6,069,400 | 4,320 |
| Average total loans | $48,717,200 | 3,915 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 155 |
| Cost of funding earning assets | 0.6688% | 309 |
| Net interest margin | 4.5671% | 211 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.4969% | 2,023 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8534% | 3,052 |
| Return on assets (ROA) | 0.8534% | 3,033 |
| Pretax return on assets | 0.9498% | 3,185 |
| Return on Equity (ROE) | 11.2500% | 2,284 |
| Retained earnings to average equity (ytd only) | 4.3218% | 3,343 |
| Net charge-offs to loans | -0.1924% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.7495% | 1,549 |
| Assets per employee ($millions) | 5.6244% | 3,105 |
| Cash dividends to net income (ytd only)* | 61.5984% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6673% | 191 |
| Loan loss allowance to noncurrent loans | 10,038.4615% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,795 |
| Noncurrent loans to loans | 0.0266% | 3,712 |
| Net loans and leases to total assets | 60.4800% | 2,449 |
| Net loans and leases to deposits | 65.3524% | 2,764 |
| Net loans and leases to core deposits | 67.7869% | 2,823 |
| Total domestic deposits to total assets | 92.5400% | 705 |
| Equity capital to assets | 7.2681% | 3,362 |
| Core capital (leverage) ratio | 8.1914% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0634% | 2,035 |
| Memoranda: | ||
| Average total assets | $80,151,750 | 4,158 |
| Average earning assets | $55,818,000 | 4,353 |
| Average equity | $6,077,500 | 4,361 |
| Average total loans | $48,507,000 | 3,937 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 151 |
| Cost of funding earning assets | 0.6625% | 195 |
| Net interest margin | 4.4154% | 220 |
| Noninterest income to average assets | 0.3225% | 3,243 |
| Noninterest expense to average assets | 2.5006% | 1,928 |
| Loan and lease loss provision to assets | 0.0322% | 2,006 |
| Net operating income to assets | 0.7541% | 3,127 |
| Return on assets (ROA) | 0.7541% | 3,081 |
| Pretax return on assets | 0.8484% | 3,209 |
| Return on Equity (ROE) | 9.8133% | 2,398 |
| Retained earnings to average equity (ytd only) | 2.2274% | 3,686 |
| Net charge-offs to loans | -0.2895% | 4,644 |
| Credit loss provision to net charge-offs | -18.5714% | 2,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9545% | 1,513 |
| Assets per employee ($millions) | 6.4557% | 2,344 |
| Cash dividends to net income (ytd only)* | 77.3026% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6849% | 200 |
| Loan loss allowance to noncurrent loans | 437.0370% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,580 |
| Noncurrent loans to loans | 0.6143% | 1,382 |
| Net loans and leases to total assets | 56.0591% | 2,747 |
| Net loans and leases to deposits | 60.4321% | 3,023 |
| Net loans and leases to core deposits | 61.8137% | 3,130 |
| Total domestic deposits to total assets | 92.7637% | 572 |
| Equity capital to assets | 7.0028% | 3,766 |
| Core capital (leverage) ratio | 7.8388% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5312% | 2,278 |
| Memoranda: | ||
| Average total assets | $80,622,000 | 4,194 |
| Average earning assets | $55,849,667 | 4,405 |
| Average equity | $6,195,667 | 4,397 |
| Average total loans | $48,367,333 | 3,987 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 135 |
| Cost of funding earning assets | 0.6220% | 226 |
| Net interest margin | 4.4686% | 180 |
| Noninterest income to average assets | 0.5369% | 1,961 |
| Noninterest expense to average assets | 2.5275% | 1,811 |
| Loan and lease loss provision to assets | 0.0355% | 1,726 |
| Net operating income to assets | 1.0434% | 1,712 |
| Return on assets (ROA) | 1.0434% | 1,711 |
| Pretax return on assets | 1.1397% | 2,017 |
| Return on Equity (ROE) | 12.9662% | 1,042 |
| Retained earnings to average equity (ytd only) | 8.6231% | 1,392 |
| Net charge-offs to loans | -0.5788% | 4,718 |
| Credit loss provision to net charge-offs | -10.0000% | 2,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2627% | 2,470 |
| Assets per employee ($millions) | 6.3384% | 2,515 |
| Cash dividends to net income (ytd only)* | 33.4951% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6849% | 228 |
| Loan loss allowance to noncurrent loans | 320.3474% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 1,227 |
| Noncurrent loans to loans | 0.8381% | 1,118 |
| Net loans and leases to total assets | 56.7883% | 2,443 |
| Net loans and leases to deposits | 61.5851% | 2,751 |
| Net loans and leases to core deposits | 63.0285% | 2,887 |
| Total domestic deposits to total assets | 92.2111% | 503 |
| Equity capital to assets | 7.5159% | 3,922 |
| Core capital (leverage) ratio | 8.2225% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8316% | 2,294 |
| Memoranda: | ||
| Average total assets | $78,971,000 | 4,238 |
| Average earning assets | $55,946,500 | 4,425 |
| Average equity | $6,355,000 | 4,427 |
| Average total loans | $48,378,500 | 3,997 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 161 |
| Cost of funding earning assets | 0.6670% | 380 |
| Net interest margin | 4.6670% | 213 |
| Noninterest income to average assets | 0.3150% | 3,524 |
| Noninterest expense to average assets | 2.8404% | 1,269 |
| Loan and lease loss provision to assets | 0.0358% | 2,332 |
| Net operating income to assets | 0.7565% | 3,466 |
| Return on assets (ROA) | 0.7565% | 3,532 |
| Pretax return on assets | 0.8652% | 3,584 |
| Return on Equity (ROE) | 8.4822% | 3,085 |
| Retained earnings to average equity (ytd only) | 3.6550% | 3,358 |
| Net charge-offs to loans | -0.1298% | 4,640 |
| Credit loss provision to net charge-offs | -44.0678% | 3,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9191% | 1,113 |
| Assets per employee ($millions) | 5.8110% | 2,940 |
| Cash dividends to net income (ytd only)* | 56.9091% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4963% | 281 |
| Loan loss allowance to noncurrent loans | 886.8613% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 2,667 |
| Noncurrent loans to loans | 0.2815% | 2,595 |
| Net loans and leases to total assets | 62.8225% | 1,846 |
| Net loans and leases to deposits | 68.9236% | 2,231 |
| Net loans and leases to core deposits | 71.0811% | 2,346 |
| Total domestic deposits to total assets | 91.1481% | 435 |
| Equity capital to assets | 8.6269% | 3,962 |
| Core capital (leverage) ratio | 8.8949% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6656% | 2,379 |
| Memoranda: | ||
| Average total assets | $72,701,400 | 4,305 |
| Average earning assets | $53,374,800 | 4,470 |
| Average equity | $6,484,200 | 4,479 |
| Average total loans | $45,440,800 | 4,077 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 169 |
| Cost of funding earning assets | 0.6852% | 413 |
| Net interest margin | 4.7202% | 219 |
| Noninterest income to average assets | 0.2926% | 3,697 |
| Noninterest expense to average assets | 2.6243% | 1,773 |
| Loan and lease loss provision to assets | 0.0375% | 2,243 |
| Net operating income to assets | 1.0742% | 2,641 |
| Return on assets (ROA) | 1.0742% | 2,700 |
| Pretax return on assets | 1.0760% | 3,252 |
| Return on Equity (ROE) | 11.9412% | 2,067 |
| Retained earnings to average equity (ytd only) | 7.4324% | 2,260 |
| Net charge-offs to loans | -0.0986% | 4,609 |
| Credit loss provision to net charge-offs | -60.6061% | 3,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2180% | 1,577 |
| Assets per employee ($millions) | 5.7428% | 2,946 |
| Cash dividends to net income (ytd only)* | 37.7586% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 273 |
| Loan loss allowance to noncurrent loans | 1,258.5106% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 3,275 |
| Noncurrent loans to loans | 0.2018% | 3,146 |
| Net loans and leases to total assets | 60.8230% | 2,156 |
| Net loans and leases to deposits | 66.9744% | 2,545 |
| Net loans and leases to core deposits | 69.0931% | 2,675 |
| Total domestic deposits to total assets | 90.8152% | 428 |
| Equity capital to assets | 8.9303% | 3,896 |
| Core capital (leverage) ratio | 8.9605% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4750% | 2,177 |
| Memoranda: | ||
| Average total assets | $71,991,000 | 4,370 |
| Average earning assets | $52,538,500 | 4,544 |
| Average equity | $6,476,000 | 4,544 |
| Average total loans | $44,632,750 | 4,155 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 129 |
| Cost of funding earning assets | 0.6890% | 492 |
| Net interest margin | 5.0207% | 163 |
| Noninterest income to average assets | 0.2278% | 4,036 |
| Noninterest expense to average assets | 2.7284% | 1,513 |
| Loan and lease loss provision to assets | 0.0366% | 2,260 |
| Net operating income to assets | 1.1083% | 2,513 |
| Return on assets (ROA) | 1.1083% | 2,580 |
| Pretax return on assets | 1.1111% | 3,178 |
| Return on Equity (ROE) | 12.2888% | 1,950 |
| Retained earnings to average equity (ytd only) | 5.4582% | 3,012 |
| Net charge-offs to loans | -0.1364% | 4,708 |
| Credit loss provision to net charge-offs | -43.3333% | 2,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3919% | 1,589 |
| Assets per employee ($millions) | 5.5951% | 3,024 |
| Cash dividends to net income (ytd only)* | 55.5838% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5478% | 261 |
| Loan loss allowance to noncurrent loans | 131.9460% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 550 |
| Noncurrent loans to loans | 1.9310% | 512 |
| Net loans and leases to total assets | 61.6833% | 2,213 |
| Net loans and leases to deposits | 67.9284% | 2,628 |
| Net loans and leases to core deposits | 69.8477% | 2,801 |
| Total domestic deposits to total assets | 90.8065% | 435 |
| Equity capital to assets | 8.9034% | 3,885 |
| Core capital (leverage) ratio | 8.7795% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1390% | 2,310 |
| Memoranda: | ||
| Average total assets | $71,102,667 | 4,407 |
| Average earning assets | $51,665,667 | 4,577 |
| Average equity | $6,412,333 | 4,579 |
| Average total loans | $43,980,000 | 4,196 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 131 |
| Cost of funding earning assets | 0.6966% | 554 |
| Net interest margin | 5.1483% | 158 |
| Noninterest income to average assets | 0.2049% | 4,155 |
| Noninterest expense to average assets | 2.5325% | 2,081 |
| Loan and lease loss provision to assets | 0.0398% | 2,247 |
| Net operating income to assets | 1.2862% | 1,869 |
| Return on assets (ROA) | 1.2862% | 1,939 |
| Pretax return on assets | 1.2919% | 2,589 |
| Return on Equity (ROE) | 14.1682% | 1,402 |
| Retained earnings to average equity (ytd only) | 7.8364% | 2,303 |
| Net charge-offs to loans | -0.2142% | 4,796 |
| Credit loss provision to net charge-offs | -30.4348% | 2,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5376% | 2,296 |
| Assets per employee ($millions) | 5.6688% | 2,949 |
| Cash dividends to net income (ytd only)* | 44.6903% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6645% | 209 |
| Loan loss allowance to noncurrent loans | 260.8108% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 1,585 |
| Noncurrent loans to loans | 1.0216% | 1,311 |
| Net loans and leases to total assets | 57.4028% | 2,866 |
| Net loans and leases to deposits | 63.0804% | 3,214 |
| Net loans and leases to core deposits | 65.0976% | 3,309 |
| Total domestic deposits to total assets | 90.9994% | 396 |
| Equity capital to assets | 8.6994% | 3,962 |
| Core capital (leverage) ratio | 9.4724% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3306% | 2,149 |
| Memoranda: | ||
| Average total assets | $70,286,000 | 4,434 |
| Average earning assets | $49,958,500 | 4,619 |
| Average equity | $6,380,500 | 4,596 |
| Average total loans | $42,950,500 | 4,236 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 166 |
| Cost of funding earning assets | 0.7462% | 1,472 |
| Net interest margin | 4.8258% | 161 |
| Noninterest income to average assets | 0.2123% | 4,217 |
| Noninterest expense to average assets | 2.8096% | 1,917 |
| Loan and lease loss provision to assets | 0.1646% | 2,320 |
| Net operating income to assets | 1.1110% | 1,884 |
| Return on assets (ROA) | 1.1110% | 2,003 |
| Pretax return on assets | 1.1126% | 2,642 |
| Return on Equity (ROE) | 10.8759% | 1,677 |
| Retained earnings to average equity (ytd only) | 4.2698% | 2,667 |
| Net charge-offs to loans | 0.0548% | 2,001 |
| Credit loss provision to net charge-offs | 416.6667% | 1,393 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,543 |
| Efficiency ratio | 68.7475% | 2,132 |
| Assets per employee ($millions) | 5.1444% | 3,237 |
| Cash dividends to net income (ytd only)* | 60.7407% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6602% | 209 |
| Loan loss allowance to noncurrent loans | 415.0735% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 2,371 |
| Noncurrent loans to loans | 0.6409% | 2,078 |
| Net loans and leases to total assets | 61.7716% | 2,637 |
| Net loans and leases to deposits | 68.4807% | 3,033 |
| Net loans and leases to core deposits | 70.9238% | 3,179 |
| Total domestic deposits to total assets | 90.2029% | 483 |
| Equity capital to assets | 9.4950% | 3,616 |
| Core capital (leverage) ratio | 9.7591% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6935% | 1,976 |
| Memoranda: | ||
| Average total assets | $60,756,400 | 4,504 |
| Average earning assets | $48,779,400 | 4,607 |
| Average equity | $6,206,400 | 4,620 |
| Average total loans | $43,818,800 | 4,230 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 151 |
| Cost of funding earning assets | 0.7562% | 1,698 |
| Net interest margin | 4.9506% | 151 |
| Noninterest income to average assets | 0.2116% | 4,211 |
| Noninterest expense to average assets | 2.7622% | 2,082 |
| Loan and lease loss provision to assets | 0.1688% | 2,309 |
| Net operating income to assets | 1.3462% | 1,242 |
| Return on assets (ROA) | 1.3462% | 1,337 |
| Pretax return on assets | 1.3485% | 1,879 |
| Return on Equity (ROE) | 12.9214% | 1,134 |
| Retained earnings to average equity (ytd only) | 4.1271% | 2,981 |
| Net charge-offs to loans | -0.1026% | 4,827 |
| Credit loss provision to net charge-offs | -220.5882% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5450% | 2,652 |
| Assets per employee ($millions) | 5.5692% | 2,652 |
| Cash dividends to net income (ytd only)* | 68.0602% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7019% | 191 |
| Loan loss allowance to noncurrent loans | 408.4211% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,465 |
| Noncurrent loans to loans | 0.6615% | 2,134 |
| Net loans and leases to total assets | 62.7218% | 2,918 |
| Net loans and leases to deposits | 69.4864% | 3,352 |
| Net loans and leases to core deposits | 71.9519% | 3,479 |
| Total domestic deposits to total assets | 90.2649% | 342 |
| Equity capital to assets | 9.3775% | 3,790 |
| Core capital (leverage) ratio | 9.9234% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5118% | 1,994 |
| Memoranda: | ||
| Average total assets | $59,226,250 | 4,538 |
| Average earning assets | $48,666,000 | 4,628 |
| Average equity | $6,170,500 | 4,648 |
| Average total loans | $44,163,500 | 4,248 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 183 |
| Cost of funding earning assets | 0.7614% | 2,043 |
| Net interest margin | 5.0605% | 179 |
| Noninterest income to average assets | 0.2469% | 3,993 |
| Noninterest expense to average assets | 3.1045% | 1,345 |
| Loan and lease loss provision to assets | 0.1764% | 2,253 |
| Net operating income to assets | 1.2771% | 1,417 |
| Return on assets (ROA) | 1.2771% | 1,535 |
| Pretax return on assets | 1.2806% | 2,099 |
| Return on Equity (ROE) | 11.7947% | 1,387 |
| Retained earnings to average equity (ytd only) | 1.8246% | 3,820 |
| Net charge-offs to loans | 0.0135% | 2,484 |
| Credit loss provision to net charge-offs | 1,666.6667% | 561 |
| Earnings coverage of net charge-offs (x) | 137.6667% | 561 |
| Efficiency ratio | 68.0588% | 2,226 |
| Assets per employee ($millions) | 5.3796% | 2,756 |
| Cash dividends to net income (ytd only)* | 84.5304% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4788% | 232 |
| Loan loss allowance to noncurrent loans | 269.1932% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0443% | 1,129 |
| Noncurrent loans to loans | 0.9208% | 1,674 |
| Net loans and leases to total assets | 73.1986% | 1,530 |
| Net loans and leases to deposits | 82.1063% | 2,196 |
| Net loans and leases to core deposits | 85.4224% | 2,489 |
| Total domestic deposits to total assets | 89.1510% | 690 |
| Equity capital to assets | 10.4130% | 2,829 |
| Core capital (leverage) ratio | 10.2942% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5915% | 1,962 |
| Memoranda: | ||
| Average total assets | $56,691,667 | 4,588 |
| Average earning assets | $48,335,000 | 4,647 |
| Average equity | $6,138,333 | 4,672 |
| Average total loans | $44,524,333 | 4,243 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 266 |
| Cost of funding earning assets | 0.7668% | 2,562 |
| Net interest margin | 4.8979% | 233 |
| Noninterest income to average assets | 0.3463% | 3,446 |
| Noninterest expense to average assets | 3.1308% | 1,564 |
| Loan and lease loss provision to assets | 0.1803% | 1,656 |
| Net operating income to assets | 1.3129% | 1,209 |
| Return on assets (ROA) | 1.3129% | 1,307 |
| Pretax return on assets | 1.3201% | 1,816 |
| Return on Equity (ROE) | 11.8828% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.0926% | 2,230 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6012% | 2,735 |
| Assets per employee ($millions) | 4.5780% | 3,159 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4380% | 273 |
| Loan loss allowance to noncurrent loans | 173.4727% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 1,135 |
| Noncurrent loans to loans | 1.4054% | 1,130 |
| Net loans and leases to total assets | 78.5969% | 889 |
| Net loans and leases to deposits | 89.0341% | 1,636 |
| Net loans and leases to core deposits | 92.9459% | 2,073 |
| Total domestic deposits to total assets | 88.2773% | 985 |
| Equity capital to assets | 11.2385% | 2,649 |
| Core capital (leverage) ratio | 11.1327% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9731% | 1,914 |
| Memoranda: | ||
| Average total assets | $55,449,500 | 4,618 |
| Average earning assets | $48,510,500 | 4,665 |
| Average equity | $6,126,500 | 4,706 |
| Average total loans | $44,578,000 | 4,261 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6802% | 416 |
| Cost of funding earning assets | 0.7377% | 2,982 |
| Net interest margin | 4.9425% | 299 |
| Noninterest income to average assets | 0.3341% | 3,710 |
| Noninterest expense to average assets | 3.1638% | 1,609 |
| Loan and lease loss provision to assets | 0.1829% | 1,128 |
| Net operating income to assets | 1.2275% | 1,956 |
| Return on assets (ROA) | 1.2275% | 2,045 |
| Pretax return on assets | 1.2293% | 2,735 |
| Return on Equity (ROE) | 11.7901% | 1,587 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,170 |
| Net charge-offs to loans | 0.0726% | 2,060 |
| Credit loss provision to net charge-offs | 325.0000% | 855 |
| Earnings coverage of net charge-offs (x) | 25.0938% | 1,744 |
| Efficiency ratio | 69.1391% | 2,297 |
| Assets per employee ($millions) | 4.3048% | 3,502 |
| Cash dividends to net income (ytd only)* | 69.0544% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3475% | 264 |
| Loan loss allowance to noncurrent loans | 134.2675% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 750 |
| Noncurrent loans to loans | 1.7484% | 781 |
| Net loans and leases to total assets | 78.3464% | 1,019 |
| Net loans and leases to deposits | 88.2833% | 1,803 |
| Net loans and leases to core deposits | 92.0669% | 2,231 |
| Total domestic deposits to total assets | 88.7443% | 769 |
| Equity capital to assets | 10.8625% | 3,124 |
| Core capital (leverage) ratio | 10.8724% | 2,618 |
| Tier 1 risk-based capital ratio | 13.3570% | 3,600 |
| Total risk-based capital ratio | 14.6192% | 3,482 |
| Memoranda: | ||
| Average total assets | $56,862,000 | 4,632 |
| Average earning assets | $48,800,800 | 4,694 |
| Average equity | $5,920,200 | 4,766 |
| Average total loans | $44,059,200 | 4,306 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 519 |
| Cost of funding earning assets | 0.7280% | 3,078 |
| Net interest margin | 4.8468% | 380 |
| Noninterest income to average assets | 0.4111% | 3,251 |
| Noninterest expense to average assets | 3.0526% | 1,819 |
| Loan and lease loss provision to assets | 0.1845% | 979 |
| Net operating income to assets | 1.3079% | 1,822 |
| Return on assets (ROA) | 1.3079% | 1,909 |
| Pretax return on assets | 1.3103% | 2,630 |
| Return on Equity (ROE) | 12.6970% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.7912% | 4,343 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1289% | 2,564 |
| Assets per employee ($millions) | 4.3598% | 3,398 |
| Cash dividends to net income (ytd only)* | 85.8930% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3867% | 254 |
| Loan loss allowance to noncurrent loans | 90.5290% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 2.0679% | 408 |
| Noncurrent loans to loans | 2.6364% | 419 |
| Net loans and leases to total assets | 76.5619% | 1,381 |
| Net loans and leases to deposits | 85.8842% | 2,204 |
| Net loans and leases to core deposits | 89.4812% | 2,589 |
| Total domestic deposits to total assets | 89.1455% | 571 |
| Equity capital to assets | 10.4787% | 3,557 |
| Core capital (leverage) ratio | 10.5321% | 3,082 |
| Tier 1 risk-based capital ratio | 13.1482% | 3,761 |
| Total risk-based capital ratio | 14.4101% | 3,667 |
| Memoranda: | ||
| Average total assets | $57,086,750 | 4,701 |
| Average earning assets | $48,718,000 | 4,764 |
| Average equity | $5,880,500 | 4,836 |
| Average total loans | $43,849,250 | 4,365 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 553 |
| Cost of funding earning assets | 0.7072% | 3,132 |
| Net interest margin | 4.8063% | 399 |
| Noninterest income to average assets | 0.4124% | 3,191 |
| Noninterest expense to average assets | 3.1106% | 1,703 |
| Loan and lease loss provision to assets | 0.1887% | 939 |
| Net operating income to assets | 1.1953% | 2,165 |
| Return on assets (ROA) | 1.1953% | 2,227 |
| Pretax return on assets | 1.1988% | 2,908 |
| Return on Equity (ROE) | 11.6704% | 1,705 |
| Retained earnings to average equity (ytd only) | -1.1943% | 4,845 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1531% | 2,359 |
| Assets per employee ($millions) | 4.2720% | 3,477 |
| Cash dividends to net income (ytd only)* | 110.2339% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 279 |
| Loan loss allowance to noncurrent loans | 82.6677% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.2544% | 363 |
| Noncurrent loans to loans | 2.8341% | 374 |
| Net loans and leases to total assets | 77.6829% | 1,280 |
| Net loans and leases to deposits | 87.2031% | 2,103 |
| Net loans and leases to core deposits | 90.4236% | 2,562 |
| Total domestic deposits to total assets | 89.0828% | 632 |
| Equity capital to assets | 10.4833% | 3,530 |
| Core capital (leverage) ratio | 10.4809% | 3,118 |
| Tier 1 risk-based capital ratio | 12.9922% | 3,840 |
| Total risk-based capital ratio | 14.2547% | 3,741 |
| Memoranda: | ||
| Average total assets | $57,223,330 | 4,735 |
| Average earning assets | $48,644,670 | 4,796 |
| Average equity | $5,861,000 | 4,869 |
| Average total loans | $43,647,670 | 4,400 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4874% | 532 |
| Cost of funding earning assets | 0.6931% | 3,092 |
| Net interest margin | 4.7943% | 417 |
| Noninterest income to average assets | 0.4202% | 3,051 |
| Noninterest expense to average assets | 3.0654% | 1,814 |
| Loan and lease loss provision to assets | 0.1998% | 804 |
| Net operating income to assets | 1.1504% | 2,265 |
| Return on assets (ROA) | 1.1504% | 2,314 |
| Pretax return on assets | 1.1573% | 2,951 |
| Return on Equity (ROE) | 11.3596% | 1,804 |
| Retained earnings to average equity (ytd only) | 6.6661% | 2,170 |
| Net charge-offs to loans | -0.0277% | 4,615 |
| Credit loss provision to net charge-offs | -966.6667% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3146% | 2,454 |
| Assets per employee ($millions) | 4.5296% | 3,143 |
| Cash dividends to net income (ytd only)* | 41.3174% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3303% | 290 |
| Loan loss allowance to noncurrent loans | 67.6235% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.5439% | 299 |
| Noncurrent loans to loans | 3.4460% | 266 |
| Net loans and leases to total assets | 72.1033% | 2,143 |
| Net loans and leases to deposits | 80.5410% | 2,777 |
| Net loans and leases to core deposits | 83.3229% | 3,078 |
| Total domestic deposits to total assets | 89.5236% | 628 |
| Equity capital to assets | 10.0892% | 3,730 |
| Core capital (leverage) ratio | 10.4492% | 3,111 |
| Tier 1 risk-based capital ratio | 13.1690% | 3,790 |
| Total risk-based capital ratio | 14.4312% | 3,694 |
| Memoranda: | ||
| Average total assets | $58,067,000 | 4,774 |
| Average earning assets | $48,474,500 | 4,847 |
| Average equity | $5,880,500 | 4,905 |
| Average total loans | $43,383,000 | 4,446 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 751 |
| Cost of funding earning assets | 0.5022% | 3,338 |
| Net interest margin | 4.6598% | 531 |
| Noninterest income to average assets | 0.4078% | 3,395 |
| Noninterest expense to average assets | 2.8526% | 2,508 |
| Loan and lease loss provision to assets | 0.1781% | 1,105 |
| Net operating income to assets | 1.5224% | 1,064 |
| Return on assets (ROA) | 1.5224% | 1,045 |
| Pretax return on assets | 1.5242% | 1,700 |
| Return on Equity (ROE) | 14.7694% | 882 |
| Retained earnings to average equity (ytd only) | 3.9040% | 3,435 |
| Net charge-offs to loans | -0.0412% | 4,911 |
| Credit loss provision to net charge-offs | -555.5556% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6271% | 3,413 |
| Assets per employee ($millions) | 3.8166% | 4,156 |
| Cash dividends to net income (ytd only)* | 73.5673% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 293 |
| Loan loss allowance to noncurrent loans | 76.5211% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.2393% | 380 |
| Noncurrent loans to loans | 2.9611% | 348 |
| Net loans and leases to total assets | 73.9122% | 1,951 |
| Net loans and leases to deposits | 82.5687% | 2,667 |
| Net loans and leases to core deposits | 85.5053% | 2,952 |
| Total domestic deposits to total assets | 89.5160% | 653 |
| Equity capital to assets | 10.1661% | 3,513 |
| Core capital (leverage) ratio | 10.4076% | 3,133 |
| Tier 1 risk-based capital ratio | 13.1527% | 3,757 |
| Total risk-based capital ratio | 14.4141% | 3,633 |
| Memoranda: | ||
| Average total assets | $56,160,200 | 4,829 |
| Average earning assets | $49,980,800 | 4,857 |
| Average equity | $5,789,000 | 4,933 |
| Average total loans | $43,682,800 | 4,458 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 754 |
| Cost of funding earning assets | 0.4638% | 3,433 |
| Net interest margin | 4.6380% | 545 |
| Noninterest income to average assets | 0.4175% | 3,373 |
| Noninterest expense to average assets | 2.6696% | 3,070 |
| Loan and lease loss provision to assets | 0.1789% | 1,017 |
| Net operating income to assets | 1.7415% | 680 |
| Return on assets (ROA) | 1.7415% | 685 |
| Pretax return on assets | 1.7439% | 1,163 |
| Return on Equity (ROE) | 16.8356% | 565 |
| Retained earnings to average equity (ytd only) | 10.2628% | 836 |
| Net charge-offs to loans | -0.1370% | 5,226 |
| Credit loss provision to net charge-offs | -166.6667% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1299% | 4,100 |
| Assets per employee ($millions) | 3.7342% | 4,257 |
| Cash dividends to net income (ytd only)* | 39.0410% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 317 |
| Loan loss allowance to noncurrent loans | 244.5274% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 2,028 |
| Noncurrent loans to loans | 0.9282% | 1,834 |
| Net loans and leases to total assets | 75.5646% | 1,721 |
| Net loans and leases to deposits | 84.9357% | 2,483 |
| Net loans and leases to core deposits | 88.0270% | 2,844 |
| Total domestic deposits to total assets | 88.9668% | 855 |
| Equity capital to assets | 10.7511% | 2,894 |
| Core capital (leverage) ratio | 11.1621% | 2,439 |
| Tier 1 risk-based capital ratio | 13.7438% | 3,490 |
| Total risk-based capital ratio | 15.0052% | 3,405 |
| Memoranda: | ||
| Average total assets | $55,888,000 | 4,887 |
| Average earning assets | $50,308,250 | 4,902 |
| Average equity | $5,781,250 | 4,984 |
| Average total loans | $43,779,750 | 4,507 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 788 |
| Cost of funding earning assets | 0.4367% | 3,448 |
| Net interest margin | 4.5793% | 580 |
| Noninterest income to average assets | 0.4298% | 3,298 |
| Noninterest expense to average assets | 2.8614% | 2,461 |
| Loan and lease loss provision to assets | 0.1791% | 1,004 |
| Net operating income to assets | 1.5543% | 1,026 |
| Return on assets (ROA) | 1.5543% | 1,030 |
| Pretax return on assets | 1.5578% | 1,638 |
| Return on Equity (ROE) | 15.2254% | 807 |
| Retained earnings to average equity (ytd only) | 8.0337% | 1,618 |
| Net charge-offs to loans | -0.0956% | 5,146 |
| Credit loss provision to net charge-offs | -238.0952% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2274% | 3,594 |
| Assets per employee ($millions) | 4.0512% | 3,817 |
| Cash dividends to net income (ytd only)* | 47.2350% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 412 |
| Loan loss allowance to noncurrent loans | 247.7454% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 1,867 |
| Noncurrent loans to loans | 0.8646% | 1,995 |
| Net loans and leases to total assets | 81.0178% | 854 |
| Net loans and leases to deposits | 91.4190% | 1,661 |
| Net loans and leases to core deposits | 93.8831% | 2,227 |
| Total domestic deposits to total assets | 88.6224% | 1,085 |
| Equity capital to assets | 11.0320% | 2,609 |
| Core capital (leverage) ratio | 10.6884% | 2,823 |
| Tier 1 risk-based capital ratio | 13.5077% | 3,611 |
| Total risk-based capital ratio | 14.7680% | 3,517 |
| Memoranda: | ||
| Average total assets | $55,846,330 | 4,947 |
| Average earning assets | $50,837,000 | 4,953 |
| Average equity | $5,701,000 | 5,050 |
| Average total loans | $43,936,670 | 4,546 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 954 |
| Cost of funding earning assets | 0.4199% | 3,444 |
| Net interest margin | 4.4396% | 702 |
| Noninterest income to average assets | 0.3970% | 3,494 |
| Noninterest expense to average assets | 2.7091% | 3,015 |
| Loan and lease loss provision to assets | 0.1741% | 1,006 |
| Net operating income to assets | 1.4834% | 1,118 |
| Return on assets (ROA) | 1.4834% | 1,119 |
| Pretax return on assets | 1.4903% | 1,703 |
| Return on Equity (ROE) | 15.0890% | 791 |
| Retained earnings to average equity (ytd only) | 8.1466% | 1,785 |
| Net charge-offs to loans | -0.0091% | 4,211 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9427% | 3,797 |
| Assets per employee ($millions) | 3.6754% | 4,447 |
| Cash dividends to net income (ytd only)* | 46.0094% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0852% | 472 |
| Loan loss allowance to noncurrent loans | 183.6777% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 1,649 |
| Noncurrent loans to loans | 1.1353% | 1,616 |
| Net loans and leases to total assets | 75.7178% | 1,580 |
| Net loans and leases to deposits | 84.7508% | 2,315 |
| Net loans and leases to core deposits | 86.9123% | 2,722 |
| Total domestic deposits to total assets | 89.3417% | 947 |
| Equity capital to assets | 10.3299% | 3,241 |
| Core capital (leverage) ratio | 10.4027% | 3,061 |
| Tier 1 risk-based capital ratio | 13.3730% | 3,733 |
| Total risk-based capital ratio | 14.6316% | 3,645 |
| Memoranda: | ||
| Average total assets | $57,437,000 | 4,973 |
| Average earning assets | $51,446,000 | 4,999 |
| Average equity | $5,646,500 | 5,113 |
| Average total loans | $44,104,000 | 4,590 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 853 |
| Cost of funding earning assets | 0.3248% | 3,915 |
| Net interest margin | 4.5439% | 557 |
| Noninterest income to average assets | 0.3500% | 3,962 |
| Noninterest expense to average assets | 3.2683% | 1,438 |
| Loan and lease loss provision to assets | 0.1768% | 1,224 |
| Net operating income to assets | 1.0323% | 2,115 |
| Return on assets (ROA) | 1.0323% | 2,147 |
| Pretax return on assets | 1.0340% | 3,441 |
| Return on Equity (ROE) | 10.5954% | 1,638 |
| Retained earnings to average equity (ytd only) | 5.4610% | 1,840 |
| Net charge-offs to loans | 0.2063% | 1,254 |
| Credit loss provision to net charge-offs | 112.3596% | 2,321 |
| Earnings coverage of net charge-offs (x) | 7.6966% | 3,010 |
| Efficiency ratio | 72.9676% | 2,068 |
| Assets per employee ($millions) | 4.2674% | 3,546 |
| Cash dividends to net income (ytd only)* | 48.4589% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 653 |
| Loan loss allowance to noncurrent loans | 469.0217% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,329 |
| Noncurrent loans to loans | 0.4037% | 3,317 |
| Net loans and leases to total assets | 74.8406% | 1,785 |
| Net loans and leases to deposits | 82.8184% | 2,628 |
| Net loans and leases to core deposits | 84.7412% | 3,002 |
| Total domestic deposits to total assets | 90.3671% | 445 |
| Equity capital to assets | 9.3701% | 4,360 |
| Core capital (leverage) ratio | 10.0763% | 3,357 |
| Tier 1 risk-based capital ratio | 12.2857% | 4,342 |
| Total risk-based capital ratio | 13.5423% | 4,246 |
| Memoranda: | ||
| Average total assets | $56,574,000 | 5,035 |
| Average earning assets | $51,409,800 | 5,039 |
| Average equity | $5,511,800 | 5,181 |
| Average total loans | $43,143,000 | 4,636 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 803 |
| Cost of funding earning assets | 0.3225% | 3,916 |
| Net interest margin | 4.5515% | 535 |
| Noninterest income to average assets | 0.3394% | 4,108 |
| Noninterest expense to average assets | 2.8778% | 2,481 |
| Loan and lease loss provision to assets | 0.1793% | 1,119 |
| Net operating income to assets | 1.4293% | 1,025 |
| Return on assets (ROA) | 1.4293% | 1,047 |
| Pretax return on assets | 1.4317% | 2,004 |
| Return on Equity (ROE) | 14.5223% | 733 |
| Retained earnings to average equity (ytd only) | 8.1840% | 1,145 |
| Net charge-offs to loans | 0.1975% | 1,078 |
| Credit loss provision to net charge-offs | 119.0476% | 2,013 |
| Earnings coverage of net charge-offs (x) | 10.6981% | 2,569 |
| Efficiency ratio | 64.1108% | 3,522 |
| Assets per employee ($millions) | 3.9911% | 4,007 |
| Cash dividends to net income (ytd only)* | 43.6455% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 526 |
| Loan loss allowance to noncurrent loans | 159.7043% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 1,755 |
| Noncurrent loans to loans | 1.2811% | 1,494 |
| Net loans and leases to total assets | 74.0295% | 1,909 |
| Net loans and leases to deposits | 82.6454% | 2,701 |
| Net loans and leases to core deposits | 83.6549% | 3,159 |
| Total domestic deposits to total assets | 89.5749% | 630 |
| Equity capital to assets | 10.1136% | 3,785 |
| Core capital (leverage) ratio | 10.4653% | 3,028 |
| Tier 1 risk-based capital ratio | 13.3541% | 3,792 |
| Total risk-based capital ratio | 14.6120% | 3,699 |
| Memoranda: | ||
| Average total assets | $55,781,750 | 5,106 |
| Average earning assets | $50,853,250 | 5,103 |
| Average equity | $5,490,250 | 5,242 |
| Average total loans | $42,535,000 | 4,701 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 611 |
| Cost of funding earning assets | 0.3163% | 3,915 |
| Net interest margin | 4.6355% | 447 |
| Noninterest income to average assets | 0.3623% | 3,966 |
| Noninterest expense to average assets | 2.8556% | 2,562 |
| Loan and lease loss provision to assets | 0.1794% | 1,059 |
| Net operating income to assets | 1.5820% | 740 |
| Return on assets (ROA) | 1.5820% | 756 |
| Pretax return on assets | 1.5856% | 1,385 |
| Return on Equity (ROE) | 16.2232% | 500 |
| Retained earnings to average equity (ytd only) | 8.6818% | 947 |
| Net charge-offs to loans | 0.2955% | 688 |
| Credit loss provision to net charge-offs | 79.3651% | 2,270 |
| Earnings coverage of net charge-offs (x) | 7.8095% | 2,572 |
| Efficiency ratio | 61.8012% | 4,026 |
| Assets per employee ($millions) | 3.9106% | 4,116 |
| Cash dividends to net income (ytd only)* | 46.4853% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 617 |
| Loan loss allowance to noncurrent loans | 232.4100% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,569 |
| Noncurrent loans to loans | 0.8546% | 2,273 |
| Net loans and leases to total assets | 75.6229% | 1,592 |
| Net loans and leases to deposits | 84.4336% | 2,415 |
| Net loans and leases to core deposits | 85.0406% | 2,969 |
| Total domestic deposits to total assets | 89.5649% | 709 |
| Equity capital to assets | 10.1410% | 3,750 |
| Core capital (leverage) ratio | 10.2104% | 3,259 |
| Tier 1 risk-based capital ratio | 13.2500% | 3,839 |
| Total risk-based capital ratio | 14.5089% | 3,746 |
| Memoranda: | ||
| Average total assets | $55,750,670 | 5,142 |
| Average earning assets | $51,213,330 | 5,132 |
| Average equity | $5,436,670 | 5,283 |
| Average total loans | $42,637,330 | 4,727 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,091 |
| Cost of funding earning assets | 0.3178% | 3,871 |
| Net interest margin | 4.3017% | 782 |
| Noninterest income to average assets | 0.3840% | 3,779 |
| Noninterest expense to average assets | 2.4888% | 3,841 |
| Loan and lease loss provision to assets | 0.1778% | 984 |
| Net operating income to assets | 1.6568% | 600 |
| Return on assets (ROA) | 1.6568% | 614 |
| Pretax return on assets | 1.6639% | 1,080 |
| Return on Equity (ROE) | 17.3266% | 387 |
| Retained earnings to average equity (ytd only) | 11.0058% | 608 |
| Net charge-offs to loans | 0.0280% | 2,194 |
| Credit loss provision to net charge-offs | 833.3333% | 374 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 621 |
| Efficiency ratio | 57.4713% | 4,780 |
| Assets per employee ($millions) | 4.2006% | 3,659 |
| Cash dividends to net income (ytd only)* | 36.4807% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 579 |
| Loan loss allowance to noncurrent loans | 127.2595% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 1,196 |
| Noncurrent loans to loans | 1.6327% | 1,193 |
| Net loans and leases to total assets | 75.3443% | 1,519 |
| Net loans and leases to deposits | 84.8627% | 2,176 |
| Net loans and leases to core deposits | 85.4798% | 2,767 |
| Total domestic deposits to total assets | 88.7837% | 1,263 |
| Equity capital to assets | 9.9985% | 3,760 |
| Core capital (leverage) ratio | 9.8650% | 3,670 |
| Tier 1 risk-based capital ratio | 13.1422% | 4,002 |
| Total risk-based capital ratio | 14.4013% | 3,901 |
| Memoranda: | ||
| Average total assets | $56,252,000 | 5,188 |
| Average earning assets | $51,607,500 | 5,181 |
| Average equity | $5,379,000 | 5,346 |
| Average total loans | $42,835,500 | 4,758 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,448 |
| Cost of funding earning assets | 0.3048% | 4,015 |
| Net interest margin | 4.2254% | 1,062 |
| Noninterest income to average assets | 0.3518% | 4,214 |
| Noninterest expense to average assets | 3.2801% | 1,617 |
| Loan and lease loss provision to assets | 0.0257% | 3,842 |
| Net operating income to assets | 0.9327% | 2,666 |
| Return on assets (ROA) | 0.9327% | 2,774 |
| Pretax return on assets | 0.9327% | 3,720 |
| Return on Equity (ROE) | 9.8077% | 2,050 |
| Retained earnings to average equity (ytd only) | 6.7440% | 1,338 |
| Net charge-offs to loans | 0.0051% | 4,073 |
| Credit loss provision to net charge-offs | 700.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 261.5000% | 275 |
| Efficiency ratio | 77.3887% | 1,792 |
| Assets per employee ($millions) | 4.4535% | 3,184 |
| Cash dividends to net income (ytd only)* | 31.2377% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 725 |
| Loan loss allowance to noncurrent loans | 126.9747% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 1,362 |
| Noncurrent loans to loans | 1.5371% | 1,302 |
| Net loans and leases to total assets | 73.9291% | 1,861 |
| Net loans and leases to deposits | 84.8388% | 2,328 |
| Net loans and leases to core deposits | 85.3888% | 2,895 |
| Total domestic deposits to total assets | 87.1407% | 2,067 |
| Equity capital to assets | 9.1509% | 4,649 |
| Core capital (leverage) ratio | 9.3122% | 4,335 |
| Tier 1 risk-based capital ratio | 12.2588% | 4,531 |
| Total risk-based capital ratio | 13.5168% | 4,405 |
| Memoranda: | ||
| Average total assets | $54,571,200 | 5,253 |
| Average earning assets | $50,196,400 | 5,243 |
| Average equity | $5,189,800 | 5,438 |
| Average total loans | $39,002,400 | 4,912 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,615 |
| Cost of funding earning assets | 0.3073% | 4,018 |
| Net interest margin | 4.1703% | 1,200 |
| Noninterest income to average assets | 0.3449% | 4,316 |
| Noninterest expense to average assets | 2.8358% | 2,888 |
| Loan and lease loss provision to assets | 0.0347% | 3,540 |
| Net operating income to assets | 1.3125% | 1,256 |
| Return on assets (ROA) | 1.3125% | 1,337 |
| Pretax return on assets | 1.3125% | 2,376 |
| Return on Equity (ROE) | 13.6617% | 887 |
| Retained earnings to average equity (ytd only) | 9.5554% | 673 |
| Net charge-offs to loans | 0.0071% | 3,668 |
| Credit loss provision to net charge-offs | 700.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 271.1536% | 299 |
| Efficiency ratio | 67.7936% | 3,263 |
| Assets per employee ($millions) | 4.1752% | 3,645 |
| Cash dividends to net income (ytd only)* | 30.0559% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 598 |
| Loan loss allowance to noncurrent loans | 135.4531% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 1,437 |
| Noncurrent loans to loans | 1.5554% | 1,395 |
| Net loans and leases to total assets | 72.9356% | 2,029 |
| Net loans and leases to deposits | 82.8080% | 2,634 |
| Net loans and leases to core deposits | 83.3748% | 3,184 |
| Total domestic deposits to total assets | 88.0780% | 1,363 |
| Equity capital to assets | 9.8972% | 4,243 |
| Core capital (leverage) ratio | 9.8686% | 3,731 |
| Tier 1 risk-based capital ratio | 13.5263% | 3,846 |
| Total risk-based capital ratio | 14.7874% | 3,750 |
| Memoranda: | ||
| Average total assets | $53,740,000 | 5,319 |
| Average earning assets | $49,459,250 | 5,308 |
| Average equity | $5,162,750 | 5,494 |
| Average total loans | $37,839,500 | 4,998 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 1,632 |
| Cost of funding earning assets | 0.3066% | 4,053 |
| Net interest margin | 4.1569% | 1,210 |
| Noninterest income to average assets | 0.3099% | 4,559 |
| Noninterest expense to average assets | 2.8528% | 2,834 |
| Loan and lease loss provision to assets | 0.0523% | 3,101 |
| Net operating income to assets | 1.1986% | 1,607 |
| Return on assets (ROA) | 1.1986% | 1,698 |
| Pretax return on assets | 1.2024% | 2,774 |
| Return on Equity (ROE) | 12.6055% | 1,134 |
| Retained earnings to average equity (ytd only) | 9.1105% | 819 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4545% | 3,064 |
| Assets per employee ($millions) | 3.7475% | 4,364 |
| Cash dividends to net income (ytd only)* | 27.7259% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2794% | 489 |
| Loan loss allowance to noncurrent loans | 183.6559% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 1,752 |
| Noncurrent loans to loans | 1.2411% | 1,850 |
| Net loans and leases to total assets | 69.7837% | 2,512 |
| Net loans and leases to deposits | 79.3653% | 3,015 |
| Net loans and leases to core deposits | 79.9284% | 3,464 |
| Total domestic deposits to total assets | 87.9272% | 1,472 |
| Equity capital to assets | 9.9838% | 4,247 |
| Core capital (leverage) ratio | 9.8159% | 3,794 |
| Tier 1 risk-based capital ratio | 13.8595% | 3,693 |
| Total risk-based capital ratio | 15.1217% | 3,599 |
| Memoranda: | ||
| Average total assets | $53,560,670 | 5,388 |
| Average earning assets | $48,930,670 | 5,377 |
| Average equity | $5,093,000 | 5,566 |
| Average total loans | $36,972,670 | 5,075 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 2,061 |
| Cost of funding earning assets | 0.3098% | 4,064 |
| Net interest margin | 4.0113% | 1,580 |
| Noninterest income to average assets | 0.3253% | 4,408 |
| Noninterest expense to average assets | 3.2010% | 1,830 |
| Loan and lease loss provision to assets | 0.0887% | 2,204 |
| Net operating income to assets | 0.6653% | 3,899 |
| Return on assets (ROA) | 0.6653% | 4,020 |
| Pretax return on assets | 0.6727% | 4,615 |
| Return on Equity (ROE) | 7.1706% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.1706% | 1,809 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7836% | 1,515 |
| Assets per employee ($millions) | 3.8036% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3213% | 496 |
| Loan loss allowance to noncurrent loans | 210.6436% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0554% | 2,098 |
| Noncurrent loans to loans | 1.1020% | 2,197 |
| Net loans and leases to total assets | 67.2457% | 2,774 |
| Net loans and leases to deposits | 74.4950% | 3,377 |
| Net loans and leases to core deposits | 74.9628% | 3,793 |
| Total domestic deposits to total assets | 90.2687% | 501 |
| Equity capital to assets | 9.5435% | 4,632 |
| Core capital (leverage) ratio | 9.3763% | 4,386 |
| Tier 1 risk-based capital ratio | 13.4866% | 3,984 |
| Total risk-based capital ratio | 14.7469% | 3,903 |
| Memoranda: | ||
| Average total assets | $54,108,500 | 5,420 |
| Average earning assets | $49,061,500 | 5,423 |
| Average equity | $5,020,500 | 5,618 |
| Average total loans | $36,726,000 | 5,121 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 2,298 |
| Cost of funding earning assets | 0.3401% | 3,792 |
| Net interest margin | 3.9339% | 1,916 |
| Noninterest income to average assets | 0.2653% | 4,971 |
| Noninterest expense to average assets | 2.9364% | 2,740 |
| Loan and lease loss provision to assets | 0.0945% | 2,429 |
| Net operating income to assets | 0.7632% | 3,515 |
| Return on assets (ROA) | 0.7632% | 3,597 |
| Pretax return on assets | 0.7650% | 4,318 |
| Return on Equity (ROE) | 8.7661% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.7624% | 1,397 |
| Net charge-offs to loans | 0.0652% | 2,926 |
| Credit loss provision to net charge-offs | 226.0870% | 1,255 |
| Earnings coverage of net charge-offs (x) | 20.5652% | 1,871 |
| Efficiency ratio | 77.3576% | 2,067 |
| Assets per employee ($millions) | 3.9261% | 4,073 |
| Cash dividends to net income (ytd only)* | 22.8571% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 530 |
| Loan loss allowance to noncurrent loans | 188.1166% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 1,999 |
| Noncurrent loans to loans | 1.2122% | 1,944 |
| Net loans and leases to total assets | 65.4095% | 3,066 |
| Net loans and leases to deposits | 75.8102% | 3,277 |
| Net loans and leases to core deposits | 76.2928% | 3,729 |
| Total domestic deposits to total assets | 86.2806% | 2,497 |
| Equity capital to assets | 9.0219% | 5,102 |
| Core capital (leverage) ratio | 9.1049% | 4,748 |
| Tier 1 risk-based capital ratio | 13.6076% | 3,944 |
| Total risk-based capital ratio | 14.8745% | 3,863 |
| Memoranda: | ||
| Average total assets | $55,033,000 | 5,431 |
| Average earning assets | $49,391,800 | 5,452 |
| Average equity | $4,791,200 | 5,700 |
| Average total loans | $35,276,800 | 5,185 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,364 |
| Cost of funding earning assets | 0.3433% | 3,828 |
| Net interest margin | 3.9167% | 1,977 |
| Noninterest income to average assets | 0.2253% | 5,303 |
| Noninterest expense to average assets | 2.9112% | 2,814 |
| Loan and lease loss provision to assets | 0.0945% | 2,278 |
| Net operating income to assets | 0.7266% | 3,779 |
| Return on assets (ROA) | 0.7266% | 3,886 |
| Pretax return on assets | 0.7290% | 4,577 |
| Return on Equity (ROE) | 8.4222% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.7270% | 2,420 |
| Net charge-offs to loans | 0.0879% | 2,287 |
| Credit loss provision to net charge-offs | 169.5652% | 1,536 |
| Earnings coverage of net charge-offs (x) | 14.7806% | 2,228 |
| Efficiency ratio | 77.9507% | 1,952 |
| Assets per employee ($millions) | 3.3588% | 5,046 |
| Cash dividends to net income (ytd only)* | 32.0008% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3143% | 564 |
| Loan loss allowance to noncurrent loans | 168.5714% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 2,278 |
| Noncurrent loans to loans | 1.3729% | 1,864 |
| Net loans and leases to total assets | 64.8760% | 3,176 |
| Net loans and leases to deposits | 76.3395% | 3,266 |
| Net loans and leases to core deposits | 76.8442% | 3,707 |
| Total domestic deposits to total assets | 84.9835% | 3,017 |
| Equity capital to assets | 9.0862% | 5,224 |
| Core capital (leverage) ratio | 9.2677% | 4,632 |
| Tier 1 risk-based capital ratio | 13.6332% | 4,061 |
| Total risk-based capital ratio | 14.8976% | 3,981 |
| Memoranda: | ||
| Average total assets | $55,049,750 | 5,506 |
| Average earning assets | $49,326,250 | 5,520 |
| Average equity | $4,749,250 | 5,788 |
| Average total loans | $34,898,000 | 5,254 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 2,706 |
| Cost of funding earning assets | 0.3499% | 3,807 |
| Net interest margin | 3.8044% | 2,291 |
| Noninterest income to average assets | 0.2451% | 5,202 |
| Noninterest expense to average assets | 2.8764% | 2,969 |
| Loan and lease loss provision to assets | 0.0973% | 2,198 |
| Net operating income to assets | 0.6380% | 4,182 |
| Return on assets (ROA) | 0.6380% | 4,293 |
| Pretax return on assets | 0.6416% | 4,855 |
| Return on Equity (ROE) | 7.5244% | 3,306 |
| Retained earnings to average equity (ytd only) | 4.5487% | 3,134 |
| Net charge-offs to loans | -0.0404% | 5,455 |
| Credit loss provision to net charge-offs | -385.7143% | 5,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5613% | 1,819 |
| Assets per employee ($millions) | 3.2623% | 5,224 |
| Cash dividends to net income (ytd only)* | 39.5480% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4217% | 532 |
| Loan loss allowance to noncurrent loans | 117.5487% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 1,820 |
| Noncurrent loans to loans | 2.0602% | 1,172 |
| Net loans and leases to total assets | 65.1513% | 3,099 |
| Net loans and leases to deposits | 72.2600% | 3,694 |
| Net loans and leases to core deposits | 73.1443% | 4,029 |
| Total domestic deposits to total assets | 90.1623% | 590 |
| Equity capital to assets | 9.0925% | 5,151 |
| Core capital (leverage) ratio | 8.6796% | 5,344 |
| Tier 1 risk-based capital ratio | 13.5192% | 4,207 |
| Total risk-based capital ratio | 14.7822% | 4,135 |
| Memoranda: | ||
| Average total assets | $55,486,000 | 5,551 |
| Average earning assets | $49,153,000 | 5,582 |
| Average equity | $4,704,670 | 5,855 |
| Average total loans | $34,633,670 | 5,307 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,659 |
| Cost of funding earning assets | 0.3500% | 3,860 |
| Net interest margin | 3.7932% | 2,252 |
| Noninterest income to average assets | 0.2521% | 5,158 |
| Noninterest expense to average assets | 3.1087% | 2,243 |
| Loan and lease loss provision to assets | 0.0840% | 2,292 |
| Net operating income to assets | 0.3151% | 5,361 |
| Return on assets (ROA) | 0.3151% | 5,466 |
| Pretax return on assets | 0.3221% | 5,600 |
| Return on Equity (ROE) | 3.8429% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.8429% | 3,695 |
| Net charge-offs to loans | -0.0695% | 5,692 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4462% | 979 |
| Assets per employee ($millions) | 3.6310% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 566 |
| Loan loss allowance to noncurrent loans | 104.1457% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 1,938 |
| Noncurrent loans to loans | 2.3555% | 1,045 |
| Net loans and leases to total assets | 56.7406% | 4,119 |
| Net loans and leases to deposits | 61.8427% | 4,585 |
| Net loans and leases to core deposits | 62.5100% | 4,813 |
| Total domestic deposits to total assets | 91.7499% | 184 |
| Equity capital to assets | 8.1245% | 5,976 |
| Core capital (leverage) ratio | 7.9665% | 5,960 |
| Tier 1 risk-based capital ratio | 12.7397% | 4,761 |
| Total risk-based capital ratio | 14.0016% | 4,672 |
| Memoranda: | ||
| Average total assets | $57,130,500 | 5,566 |
| Average earning assets | $49,141,000 | 5,631 |
| Average equity | $4,684,000 | 5,912 |
| Average total loans | $34,525,000 | 5,347 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,723 |
| Cost of funding earning assets | 0.3877% | 3,822 |
| Net interest margin | 3.6147% | 3,359 |
| Noninterest income to average assets | 0.3364% | 4,703 |
| Noninterest expense to average assets | 3.0259% | 2,765 |
| Loan and lease loss provision to assets | 0.0239% | 4,128 |
| Net operating income to assets | 0.4063% | 5,200 |
| Return on assets (ROA) | 0.4063% | 5,262 |
| Pretax return on assets | 0.4063% | 5,469 |
| Return on Equity (ROE) | 5.0029% | 4,663 |
| Retained earnings to average equity (ytd only) | 5.0029% | 2,597 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5532% | 1,032 |
| Assets per employee ($millions) | 3.7443% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2974% | 725 |
| Loan loss allowance to noncurrent loans | 100.1236% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 1,910 |
| Noncurrent loans to loans | 2.2946% | 1,137 |
| Net loans and leases to total assets | 61.3318% | 3,594 |
| Net loans and leases to deposits | 66.9394% | 4,223 |
| Net loans and leases to core deposits | 67.2872% | 4,573 |
| Total domestic deposits to total assets | 91.6229% | 205 |
| Equity capital to assets | 8.2756% | 5,909 |
| Core capital (leverage) ratio | 8.6251% | 5,416 |
| Tier 1 risk-based capital ratio | 12.0286% | 5,345 |
| Total risk-based capital ratio | 13.1879% | 5,310 |
| Memoranda: | ||
| Average total assets | $54,397,600 | 5,690 |
| Average earning assets | $46,947,000 | 5,755 |
| Average equity | $4,417,400 | 6,004 |
| Average total loans | $31,686,600 | 5,497 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 4,013 |
| Cost of funding earning assets | 0.4031% | 3,761 |
| Net interest margin | 3.5357% | 3,693 |
| Noninterest income to average assets | 0.3484% | 4,654 |
| Noninterest expense to average assets | 3.1062% | 2,454 |
| Loan and lease loss provision to assets | 0.0321% | 3,766 |
| Net operating income to assets | 0.2446% | 5,745 |
| Return on assets (ROA) | 0.2446% | 5,808 |
| Pretax return on assets | 0.2446% | 5,877 |
| Return on Equity (ROE) | 3.0277% | 5,528 |
| Retained earnings to average equity (ytd only) | 3.0277% | 4,463 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8188% | 722 |
| Assets per employee ($millions) | 3.2649% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5260% | 629 |
| Loan loss allowance to noncurrent loans | 106.1599% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 2,113 |
| Noncurrent loans to loans | 2.3794% | 1,252 |
| Net loans and leases to total assets | 59.8358% | 3,817 |
| Net loans and leases to deposits | 65.5943% | 4,378 |
| Net loans and leases to core deposits | 65.9625% | 4,718 |
| Total domestic deposits to total assets | 91.2210% | 299 |
| Equity capital to assets | 8.6355% | 5,690 |
| Core capital (leverage) ratio | 8.5294% | 5,628 |
| Tier 1 risk-based capital ratio | 11.4268% | 5,822 |
| Total risk-based capital ratio | 12.6869% | 5,757 |
| Memoranda: | ||
| Average total assets | $53,955,750 | 5,759 |
| Average earning assets | $46,307,750 | 5,833 |
| Average equity | $4,359,750 | 6,079 |
| Average total loans | $30,794,000 | 5,589 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 4,259 |
| Cost of funding earning assets | 0.4127% | 3,740 |
| Net interest margin | 3.4577% | 3,951 |
| Noninterest income to average assets | 0.4035% | 4,216 |
| Noninterest expense to average assets | 3.0039% | 2,815 |
| Loan and lease loss provision to assets | 0.0477% | 3,355 |
| Net operating income to assets | 0.2714% | 5,661 |
| Return on assets (ROA) | 0.2714% | 5,734 |
| Pretax return on assets | 0.2714% | 5,834 |
| Return on Equity (ROE) | 3.4344% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.4344% | 4,013 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3974% | 887 |
| Assets per employee ($millions) | 3.5915% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6414% | 579 |
| Loan loss allowance to noncurrent loans | 114.5686% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 2,485 |
| Noncurrent loans to loans | 2.3056% | 1,407 |
| Net loans and leases to total assets | 55.4174% | 4,359 |
| Net loans and leases to deposits | 60.5578% | 4,819 |
| Net loans and leases to core deposits | 60.8863% | 5,065 |
| Total domestic deposits to total assets | 91.5115% | 263 |
| Equity capital to assets | 8.3437% | 5,921 |
| Core capital (leverage) ratio | 8.3242% | 5,822 |
| Tier 1 risk-based capital ratio | 11.9454% | 5,570 |
| Total risk-based capital ratio | 13.2089% | 5,494 |
| Memoranda: | ||
| Average total assets | $54,528,330 | 5,801 |
| Average earning assets | $46,042,330 | 5,889 |
| Average equity | $4,309,330 | 6,135 |
| Average total loans | $30,369,670 | 5,648 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,658 |
| Cost of funding earning assets | 0.4333% | 3,611 |
| Net interest margin | 3.3192% | 4,461 |
| Noninterest income to average assets | 0.4229% | 4,005 |
| Noninterest expense to average assets | 3.3251% | 1,891 |
| Loan and lease loss provision to assets | 0.0948% | 2,339 |
| Net operating income to assets | -0.2042% | 6,356 |
| Return on assets (ROA) | -0.2042% | 6,359 |
| Pretax return on assets | -0.2042% | 6,347 |
| Return on Equity (ROE) | -2.6562% | 6,388 |
| Retained earnings to average equity (ytd only) | -2.6562% | 5,926 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4014% | 392 |
| Assets per employee ($millions) | 3.6413% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7073% | 617 |
| Loan loss allowance to noncurrent loans | 165.6442% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 3,253 |
| Noncurrent loans to loans | 1.6344% | 2,381 |
| Net loans and leases to total assets | 53.2937% | 4,511 |
| Net loans and leases to deposits | 58.0034% | 4,947 |
| Net loans and leases to core deposits | 58.3125% | 5,178 |
| Total domestic deposits to total assets | 91.8803% | 278 |
| Equity capital to assets | 7.9806% | 6,072 |
| Core capital (leverage) ratio | 7.9649% | 6,139 |
| Tier 1 risk-based capital ratio | 11.7196% | 5,803 |
| Total risk-based capital ratio | 12.9800% | 5,736 |
| Memoranda: | ||
| Average total assets | $54,856,000 | 5,848 |
| Average earning assets | $46,156,000 | 5,935 |
| Average equity | $4,216,500 | 6,201 |
| Average total loans | $30,222,000 | 5,713 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 4,212 |
| Cost of funding earning assets | 0.5204% | 3,391 |
| Net interest margin | 3.4462% | 4,110 |
| Noninterest income to average assets | 0.2370% | 5,653 |
| Noninterest expense to average assets | 2.8081% | 3,695 |
| Loan and lease loss provision to assets | 0.0707% | 3,708 |
| Net operating income to assets | 0.1202% | 6,000 |
| Return on assets (ROA) | 0.1202% | 6,062 |
| Pretax return on assets | 0.1220% | 6,062 |
| Return on Equity (ROE) | 1.5647% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.5647% | 5,110 |
| Net charge-offs to loans | -0.0195% | 6,136 |
| Credit loss provision to net charge-offs | -666.6667% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5769% | 770 |
| Assets per employee ($millions) | 3.6728% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6110% | 722 |
| Loan loss allowance to noncurrent loans | 180.3167% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 2,900 |
| Noncurrent loans to loans | 1.4480% | 2,720 |
| Net loans and leases to total assets | 53.9606% | 4,585 |
| Net loans and leases to deposits | 58.3485% | 5,095 |
| Net loans and leases to core deposits | 58.6490% | 5,336 |
| Total domestic deposits to total assets | 92.4799% | 195 |
| Equity capital to assets | 7.3949% | 6,332 |
| Core capital (leverage) ratio | 8.0794% | 6,078 |
| Tier 1 risk-based capital ratio | 12.6399% | 5,210 |
| Total risk-based capital ratio | 13.9025% | 5,152 |
| Memoranda: | ||
| Average total assets | $56,550,000 | 5,848 |
| Average earning assets | $45,353,800 | 6,011 |
| Average equity | $4,346,000 | 6,253 |
| Average total loans | $30,798,000 | 5,721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,973 |
| Cost of funding earning assets | 0.5417% | 3,349 |
| Net interest margin | 3.4986% | 3,892 |
| Noninterest income to average assets | 0.2038% | 5,962 |
| Noninterest expense to average assets | 2.5465% | 4,572 |
| Loan and lease loss provision to assets | 0.0937% | 3,203 |
| Net operating income to assets | 0.3303% | 5,491 |
| Return on assets (ROA) | 0.3303% | 5,622 |
| Pretax return on assets | 0.3327% | 5,792 |
| Return on Equity (ROE) | 4.2592% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.2592% | 3,650 |
| Net charge-offs to loans | -0.0259% | 6,126 |
| Credit loss provision to net charge-offs | -666.6667% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6580% | 1,394 |
| Assets per employee ($millions) | 3.3844% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6350% | 803 |
| Loan loss allowance to noncurrent loans | 135.0847% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 2,815 |
| Noncurrent loans to loans | 1.9506% | 2,306 |
| Net loans and leases to total assets | 54.3860% | 4,544 |
| Net loans and leases to deposits | 59.3894% | 5,049 |
| Net loans and leases to core deposits | 59.7036% | 5,322 |
| Total domestic deposits to total assets | 91.5753% | 349 |
| Equity capital to assets | 8.2456% | 5,959 |
| Core capital (leverage) ratio | 8.1265% | 6,130 |
| Tier 1 risk-based capital ratio | 12.9799% | 5,140 |
| Total risk-based capital ratio | 14.2432% | 5,081 |
| Memoranda: | ||
| Average total assets | $56,914,500 | 5,906 |
| Average earning assets | $45,045,500 | 6,092 |
| Average equity | $4,414,000 | 6,304 |
| Average total loans | $30,866,250 | 5,773 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,875 |
| Cost of funding earning assets | 0.5520% | 3,389 |
| Net interest margin | 3.5089% | 3,744 |
| Noninterest income to average assets | 0.2040% | 5,986 |
| Noninterest expense to average assets | 2.5382% | 4,600 |
| Loan and lease loss provision to assets | 0.1210% | 2,809 |
| Net operating income to assets | 0.3112% | 5,568 |
| Return on assets (ROA) | 0.3112% | 5,714 |
| Pretax return on assets | 0.3147% | 5,835 |
| Return on Equity (ROE) | 4.0937% | 5,181 |
| Retained earnings to average equity (ytd only) | 4.0937% | 3,687 |
| Net charge-offs to loans | -0.0386% | 6,169 |
| Credit loss provision to net charge-offs | -583.3333% | 5,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3488% | 1,478 |
| Assets per employee ($millions) | 3.9351% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 885 |
| Loan loss allowance to noncurrent loans | 141.6816% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3468% | 3,079 |
| Noncurrent loans to loans | 1.8319% | 2,593 |
| Net loans and leases to total assets | 53.9516% | 4,592 |
| Net loans and leases to deposits | 58.7330% | 5,097 |
| Net loans and leases to core deposits | 59.0363% | 5,344 |
| Total domestic deposits to total assets | 91.8591% | 273 |
| Equity capital to assets | 7.9267% | 6,250 |
| Core capital (leverage) ratio | 7.7702% | 6,325 |
| Tier 1 risk-based capital ratio | 12.6941% | 5,358 |
| Total risk-based capital ratio | 13.9556% | 5,291 |
| Memoranda: | ||
| Average total assets | $57,836,000 | 5,918 |
| Average earning assets | $45,655,000 | 6,114 |
| Average equity | $4,397,000 | 6,356 |
| Average total loans | $31,072,670 | 5,800 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 3,488 |
| Cost of funding earning assets | 0.5862% | 3,247 |
| Net interest margin | 3.5696% | 3,385 |
| Noninterest income to average assets | 0.2229% | 5,888 |
| Noninterest expense to average assets | 2.4794% | 4,827 |
| Loan and lease loss provision to assets | 0.1013% | 2,985 |
| Net operating income to assets | 0.3986% | 5,137 |
| Return on assets (ROA) | 0.3986% | 5,280 |
| Pretax return on assets | 0.3986% | 5,564 |
| Return on Equity (ROE) | 5.3490% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.3490% | 3,025 |
| Net charge-offs to loans | -0.0766% | 6,324 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2200% | 1,865 |
| Assets per employee ($millions) | 4.0045% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5189% | 1,089 |
| Loan loss allowance to noncurrent loans | 131.7406% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 3,418 |
| Noncurrent loans to loans | 1.9120% | 2,721 |
| Net loans and leases to total assets | 49.7370% | 5,029 |
| Net loans and leases to deposits | 53.8132% | 5,452 |
| Net loans and leases to core deposits | 53.8132% | 5,681 |
| Total domestic deposits to total assets | 92.4253% | 185 |
| Equity capital to assets | 7.3866% | 6,627 |
| Core capital (leverage) ratio | 7.4131% | 6,500 |
| Tier 1 risk-based capital ratio | 12.2891% | 5,726 |
| Total risk-based capital ratio | 13.5495% | 5,671 |
| Memoranda: | ||
| Average total assets | $59,208,000 | 5,922 |
| Average earning assets | $45,719,500 | 6,167 |
| Average equity | $4,412,000 | 6,416 |
| Average total loans | $31,351,500 | 5,831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 2,316 |
| Cost of funding earning assets | 0.7375% | 3,183 |
| Net interest margin | 4.0341% | 2,256 |
| Noninterest income to average assets | 0.3497% | 4,969 |
| Noninterest expense to average assets | 2.7700% | 4,144 |
| Loan and lease loss provision to assets | 0.1536% | 3,689 |
| Net operating income to assets | 0.6125% | 4,180 |
| Return on assets (ROA) | 0.6125% | 4,442 |
| Pretax return on assets | 0.6143% | 4,954 |
| Return on Equity (ROE) | 7.8589% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.8589% | 1,169 |
| Net charge-offs to loans | 0.2232% | 3,610 |
| Credit loss provision to net charge-offs | 120.2899% | 2,383 |
| Earnings coverage of net charge-offs (x) | 6.0145% | 2,892 |
| Efficiency ratio | 78.2950% | 2,395 |
| Assets per employee ($millions) | 3.8899% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3460% | 1,312 |
| Loan loss allowance to noncurrent loans | 187.0647% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 4,017 |
| Noncurrent loans to loans | 1.2541% | 3,743 |
| Net loans and leases to total assets | 53.6488% | 4,666 |
| Net loans and leases to deposits | 58.1235% | 5,230 |
| Net loans and leases to core deposits | 58.1235% | 5,532 |
| Total domestic deposits to total assets | 92.3014% | 197 |
| Equity capital to assets | 7.5187% | 6,628 |
| Core capital (leverage) ratio | 7.7243% | 6,393 |
| Tier 1 risk-based capital ratio | 11.4322% | 6,148 |
| Total risk-based capital ratio | 12.6916% | 6,106 |
| Memoranda: | ||
| Average total assets | $54,043,800 | 6,086 |
| Average earning assets | $42,710,800 | 6,284 |
| Average equity | $4,211,800 | 6,519 |
| Average total loans | $30,911,800 | 5,900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 1,929 |
| Cost of funding earning assets | 0.7812% | 3,099 |
| Net interest margin | 4.1419% | 1,934 |
| Noninterest income to average assets | 0.4002% | 4,636 |
| Noninterest expense to average assets | 2.8872% | 3,648 |
| Loan and lease loss provision to assets | 0.1888% | 3,232 |
| Net operating income to assets | 0.5915% | 4,430 |
| Return on assets (ROA) | 0.5915% | 4,694 |
| Pretax return on assets | 0.5941% | 5,187 |
| Return on Equity (ROE) | 7.5175% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.5175% | 1,847 |
| Net charge-offs to loans | -0.0305% | 6,577 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6694% | 2,289 |
| Assets per employee ($millions) | 3.4403% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 1,055 |
| Loan loss allowance to noncurrent loans | 177.4892% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2154% | 3,862 |
| Noncurrent loans to loans | 1.4790% | 3,577 |
| Net loans and leases to total assets | 55.2602% | 4,561 |
| Net loans and leases to deposits | 60.0565% | 5,201 |
| Net loans and leases to core deposits | 60.0565% | 5,550 |
| Total domestic deposits to total assets | 92.0138% | 206 |
| Equity capital to assets | 7.7300% | 6,701 |
| Core capital (leverage) ratio | 8.0820% | 6,252 |
| Tier 1 risk-based capital ratio | 12.0477% | 5,911 |
| Total risk-based capital ratio | 13.3114% | 5,890 |
| Memoranda: | ||
| Average total assets | $52,967,750 | 6,193 |
| Average earning assets | $41,815,750 | 6,387 |
| Average equity | $4,168,000 | 6,606 |
| Average total loans | $30,626,000 | 5,995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 1,955 |
| Cost of funding earning assets | 0.7955% | 3,222 |
| Net interest margin | 4.1464% | 1,922 |
| Noninterest income to average assets | 0.3864% | 4,753 |
| Noninterest expense to average assets | 2.8197% | 3,937 |
| Loan and lease loss provision to assets | 0.2296% | 2,778 |
| Net operating income to assets | 0.6236% | 4,258 |
| Return on assets (ROA) | 0.6236% | 4,506 |
| Pretax return on assets | 0.6274% | 5,044 |
| Return on Equity (ROE) | 7.8763% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.8763% | 1,684 |
| Net charge-offs to loans | -0.0460% | 6,641 |
| Credit loss provision to net charge-offs | -857.1429% | 6,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6909% | 2,639 |
| Assets per employee ($millions) | 3.4211% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7021% | 1,031 |
| Loan loss allowance to noncurrent loans | 166.3223% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4537% | 3,530 |
| Noncurrent loans to loans | 1.6246% | 3,471 |
| Net loans and leases to total assets | 56.4873% | 4,396 |
| Net loans and leases to deposits | 61.6600% | 5,045 |
| Net loans and leases to core deposits | 61.6600% | 5,422 |
| Total domestic deposits to total assets | 91.6108% | 292 |
| Equity capital to assets | 8.1515% | 6,486 |
| Core capital (leverage) ratio | 7.9975% | 6,283 |
| Tier 1 risk-based capital ratio | 12.0969% | 5,864 |
| Total risk-based capital ratio | 13.3590% | 5,834 |
| Memoranda: | ||
| Average total assets | $52,275,330 | 6,256 |
| Average earning assets | $41,482,000 | 6,428 |
| Average equity | $4,139,000 | 6,643 |
| Average total loans | $30,422,000 | 6,043 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 1,779 |
| Cost of funding earning assets | 0.8197% | 3,320 |
| Net interest margin | 4.2140% | 1,722 |
| Noninterest income to average assets | 0.3260% | 5,261 |
| Noninterest expense to average assets | 2.9267% | 3,518 |
| Loan and lease loss provision to assets | 0.2275% | 2,672 |
| Net operating income to assets | 0.4777% | 4,915 |
| Return on assets (ROA) | 0.4777% | 5,115 |
| Pretax return on assets | 0.4853% | 5,477 |
| Return on Equity (ROE) | 6.1210% | 4,229 |
| Retained earnings to average equity (ytd only) | 6.1210% | 2,889 |
| Net charge-offs to loans | 0.5205% | 1,785 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 3,234 |
| Efficiency ratio | 80.4167% | 2,151 |
| Assets per employee ($millions) | 3.4977% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 1,552 |
| Loan loss allowance to noncurrent loans | 126.8293% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.6773% | 3,344 |
| Noncurrent loans to loans | 1.8709% | 3,313 |
| Net loans and leases to total assets | 57.0903% | 4,203 |
| Net loans and leases to deposits | 62.1483% | 4,894 |
| Net loans and leases to core deposits | 62.1483% | 5,307 |
| Total domestic deposits to total assets | 91.8614% | 293 |
| Equity capital to assets | 7.9023% | 6,583 |
| Core capital (leverage) ratio | 7.8154% | 6,401 |
| Tier 1 risk-based capital ratio | 11.4031% | 6,335 |
| Total risk-based capital ratio | 12.6639% | 6,312 |
| Memoranda: | ||
| Average total assets | $52,755,000 | 6,277 |
| Average earning assets | $41,480,500 | 6,471 |
| Average equity | $4,117,000 | 6,686 |
| Average total loans | $30,737,000 | 6,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 1,844 |
| Cost of funding earning assets | 1.0177% | 3,254 |
| Net interest margin | 4.2390% | 1,929 |
| Noninterest income to average assets | 0.2542% | 5,709 |
| Noninterest expense to average assets | 3.0175% | 3,530 |
| Loan and lease loss provision to assets | 0.1746% | 4,454 |
| Net operating income to assets | 0.3823% | 4,938 |
| Return on assets (ROA) | 0.3823% | 5,114 |
| Pretax return on assets | 0.3842% | 5,337 |
| Return on Equity (ROE) | 4.9127% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.9127% | 2,707 |
| Net charge-offs to loans | 0.3891% | 3,470 |
| Credit loss provision to net charge-offs | 74.3802% | 4,693 |
| Earnings coverage of net charge-offs (x) | 2.3802% | 4,025 |
| Efficiency ratio | 84.3733% | 1,724 |
| Assets per employee ($millions) | 3.5363% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3966% | 1,466 |
| Loan loss allowance to noncurrent loans | 122.5914% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7420% | 3,336 |
| Noncurrent loans to loans | 1.9550% | 3,267 |
| Net loans and leases to total assets | 56.6605% | 4,600 |
| Net loans and leases to deposits | 61.5528% | 5,302 |
| Net loans and leases to core deposits | 61.5528% | 5,700 |
| Total domestic deposits to total assets | 92.0519% | 233 |
| Equity capital to assets | 7.7068% | 6,723 |
| Core capital (leverage) ratio | 7.9616% | 6,302 |
| Tier 1 risk-based capital ratio | 11.4625% | 6,187 |
| Total risk-based capital ratio | 12.7241% | 6,167 |
| Memoranda: | ||
| Average total assets | $51,533,400 | 6,316 |
| Average earning assets | $40,386,800 | 6,514 |
| Average equity | $4,010,000 | 6,747 |
| Average total loans | $31,097,800 | 6,119 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 1,754 |
| Cost of funding earning assets | 1.0742% | 3,152 |
| Net interest margin | 4.2569% | 1,886 |
| Noninterest income to average assets | 0.2424% | 5,890 |
| Noninterest expense to average assets | 2.9087% | 3,895 |
| Loan and lease loss provision to assets | 0.2346% | 3,665 |
| Net operating income to assets | 0.4327% | 4,847 |
| Return on assets (ROA) | 0.4327% | 5,040 |
| Pretax return on assets | 0.4353% | 5,357 |
| Return on Equity (ROE) | 5.5464% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,826 |
| Net charge-offs to loans | 0.1625% | 4,485 |
| Credit loss provision to net charge-offs | 236.8421% | 1,201 |
| Earnings coverage of net charge-offs (x) | 6.7626% | 2,492 |
| Efficiency ratio | 81.2819% | 2,079 |
| Assets per employee ($millions) | 3.3569% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6869% | 1,144 |
| Loan loss allowance to noncurrent loans | 112.9477% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 2.4328% | 2,652 |
| Noncurrent loans to loans | 2.3788% | 2,915 |
| Net loans and leases to total assets | 58.9816% | 4,324 |
| Net loans and leases to deposits | 64.3937% | 5,117 |
| Net loans and leases to core deposits | 64.3937% | 5,576 |
| Total domestic deposits to total assets | 91.5953% | 275 |
| Equity capital to assets | 8.1068% | 6,633 |
| Core capital (leverage) ratio | 7.8107% | 6,552 |
| Tier 1 risk-based capital ratio | 11.5782% | 6,189 |
| Total risk-based capital ratio | 12.8426% | 6,168 |
| Memoranda: | ||
| Average total assets | $51,155,750 | 6,385 |
| Average earning assets | $40,090,750 | 6,582 |
| Average equity | $3,990,500 | 6,804 |
| Average total loans | $31,174,000 | 6,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 1,635 |
| Cost of funding earning assets | 1.1240% | 3,077 |
| Net interest margin | 4.2502% | 1,844 |
| Noninterest income to average assets | 0.2022% | 6,221 |
| Noninterest expense to average assets | 2.8236% | 4,334 |
| Loan and lease loss provision to assets | 0.2334% | 3,576 |
| Net operating income to assets | 0.4356% | 4,791 |
| Return on assets (ROA) | 0.4356% | 4,932 |
| Pretax return on assets | 0.4395% | 5,263 |
| Return on Equity (ROE) | 5.6566% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.6566% | 2,618 |
| Net charge-offs to loans | 0.1656% | 4,183 |
| Credit loss provision to net charge-offs | 230.7692% | 1,303 |
| Earnings coverage of net charge-offs (x) | 6.6538% | 2,359 |
| Efficiency ratio | 80.7564% | 2,268 |
| Assets per employee ($millions) | 3.4245% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5563% | 1,355 |
| Loan loss allowance to noncurrent loans | 93.3644% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 2.6437% | 2,524 |
| Noncurrent loans to loans | 2.7380% | 2,658 |
| Net loans and leases to total assets | 59.5149% | 4,371 |
| Net loans and leases to deposits | 64.7800% | 5,178 |
| Net loans and leases to core deposits | 64.7800% | 5,632 |
| Total domestic deposits to total assets | 91.8722% | 266 |
| Equity capital to assets | 7.8436% | 6,776 |
| Core capital (leverage) ratio | 7.7183% | 6,570 |
| Tier 1 risk-based capital ratio | 11.2730% | 6,338 |
| Total risk-based capital ratio | 12.5351% | 6,326 |
| Memoranda: | ||
| Average total assets | $51,423,330 | 6,436 |
| Average earning assets | $39,857,330 | 6,642 |
| Average equity | $3,960,000 | 6,859 |
| Average total loans | $31,392,330 | 6,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 1,378 |
| Cost of funding earning assets | 1.2079% | 2,771 |
| Net interest margin | 4.2633% | 1,690 |
| Noninterest income to average assets | 0.2876% | 5,616 |
| Noninterest expense to average assets | 2.6744% | 4,941 |
| Loan and lease loss provision to assets | 0.2332% | 3,317 |
| Net operating income to assets | 0.6375% | 3,819 |
| Return on assets (ROA) | 0.6375% | 3,889 |
| Pretax return on assets | 0.6453% | 4,512 |
| Return on Equity (ROE) | 8.3556% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.3556% | 1,600 |
| Net charge-offs to loans | -0.0382% | 6,802 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2735% | 3,289 |
| Assets per employee ($millions) | 3.3705% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5988% | 1,315 |
| Loan loss allowance to noncurrent loans | 117.7941% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 2,853 |
| Noncurrent loans to loans | 2.2062% | 3,310 |
| Net loans and leases to total assets | 59.3793% | 4,391 |
| Net loans and leases to deposits | 64.6739% | 5,168 |
| Net loans and leases to core deposits | 65.2361% | 5,597 |
| Total domestic deposits to total assets | 91.8134% | 335 |
| Equity capital to assets | 7.8484% | 6,635 |
| Core capital (leverage) ratio | 7.5455% | 6,700 |
| Tier 1 risk-based capital ratio | 11.3816% | 6,192 |
| Total risk-based capital ratio | 12.6456% | 6,169 |
| Memoranda: | ||
| Average total assets | $51,451,500 | 6,477 |
| Average earning assets | $39,406,500 | 6,705 |
| Average equity | $3,925,500 | 6,904 |
| Average total loans | $31,402,000 | 6,272 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 1,565 |
| Cost of funding earning assets | 1.4642% | 2,866 |
| Net interest margin | 4.2381% | 2,033 |
| Noninterest income to average assets | 0.3113% | 5,575 |
| Noninterest expense to average assets | 3.1496% | 3,274 |
| Loan and lease loss provision to assets | 0.3555% | 3,991 |
| Net operating income to assets | 0.3274% | 4,840 |
| Return on assets (ROA) | 0.3274% | 4,995 |
| Pretax return on assets | 0.3294% | 5,149 |
| Return on Equity (ROE) | 4.2235% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.2235% | 2,886 |
| Net charge-offs to loans | 0.3764% | 4,156 |
| Credit loss provision to net charge-offs | 139.3701% | 2,731 |
| Earnings coverage of net charge-offs (x) | 2.6850% | 3,750 |
| Efficiency ratio | 82.1372% | 2,147 |
| Assets per employee ($millions) | 3.4897% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 1,545 |
| Loan loss allowance to noncurrent loans | 90.8876% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 2.9688% | 2,374 |
| Noncurrent loans to loans | 2.6421% | 2,878 |
| Net loans and leases to total assets | 59.6313% | 4,742 |
| Net loans and leases to deposits | 64.6427% | 5,553 |
| Net loans and leases to core deposits | 65.1826% | 5,954 |
| Total domestic deposits to total assets | 92.2476% | 226 |
| Equity capital to assets | 7.4181% | 6,927 |
| Core capital (leverage) ratio | 7.4985% | 6,705 |
| Tier 1 risk-based capital ratio | 10.7868% | 6,501 |
| Total risk-based capital ratio | 12.0469% | 6,455 |
| Memoranda: | ||
| Average total assets | $49,783,600 | 6,545 |
| Average earning assets | $41,386,600 | 6,662 |
| Average equity | $3,859,400 | 7,043 |
| Average total loans | $33,741,200 | 6,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7060% | 1,690 |
| Cost of funding earning assets | 1.5103% | 2,911 |
| Net interest margin | 4.1957% | 2,230 |
| Noninterest income to average assets | 0.3554% | 5,322 |
| Noninterest expense to average assets | 3.0658% | 3,507 |
| Loan and lease loss provision to assets | 0.3988% | 3,514 |
| Net operating income to assets | 0.4531% | 4,526 |
| Return on assets (ROA) | 0.4531% | 4,714 |
| Pretax return on assets | 0.4558% | 5,059 |
| Return on Equity (ROE) | 5.7781% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.7781% | 2,489 |
| Net charge-offs to loans | 0.5110% | 3,243 |
| Credit loss provision to net charge-offs | 112.2137% | 3,765 |
| Earnings coverage of net charge-offs (x) | 2.4046% | 3,975 |
| Efficiency ratio | 78.2007% | 2,596 |
| Assets per employee ($millions) | 3.3111% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 1,668 |
| Loan loss allowance to noncurrent loans | 94.4730% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 3.2618% | 2,188 |
| Noncurrent loans to loans | 2.4037% | 3,230 |
| Net loans and leases to total assets | 63.6894% | 4,183 |
| Net loans and leases to deposits | 69.4781% | 5,220 |
| Net loans and leases to core deposits | 69.4781% | 5,804 |
| Total domestic deposits to total assets | 91.6683% | 262 |
| Equity capital to assets | 7.9390% | 6,847 |
| Core capital (leverage) ratio | 7.7707% | 6,602 |
| Tier 1 risk-based capital ratio | 10.7473% | 6,593 |
| Total risk-based capital ratio | 11.9709% | 6,594 |
| Memoranda: | ||
| Average total assets | $49,143,250 | 6,651 |
| Average earning assets | $41,756,500 | 6,733 |
| Average equity | $3,853,500 | 7,133 |
| Average total loans | $34,181,000 | 6,284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 1,539 |
| Cost of funding earning assets | 1.5569% | 2,923 |
| Net interest margin | 4.1995% | 2,159 |
| Noninterest income to average assets | 0.3635% | 5,232 |
| Noninterest expense to average assets | 3.0264% | 3,612 |
| Loan and lease loss provision to assets | 0.4860% | 2,866 |
| Net operating income to assets | 0.4493% | 4,558 |
| Return on assets (ROA) | 0.4493% | 4,709 |
| Pretax return on assets | 0.4533% | 5,055 |
| Return on Equity (ROE) | 5.7536% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.7536% | 2,468 |
| Net charge-offs to loans | 0.6037% | 2,721 |
| Credit loss provision to net charge-offs | 113.3333% | 3,589 |
| Earnings coverage of net charge-offs (x) | 2.1905% | 3,921 |
| Efficiency ratio | 76.3131% | 3,015 |
| Assets per employee ($millions) | 3.2959% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2465% | 1,679 |
| Loan loss allowance to noncurrent loans | 116.4013% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 2.9552% | 2,416 |
| Noncurrent loans to loans | 1.9299% | 3,830 |
| Net loans and leases to total assets | 64.3412% | 4,191 |
| Net loans and leases to deposits | 70.1226% | 5,263 |
| Net loans and leases to core deposits | 70.1226% | 5,859 |
| Total domestic deposits to total assets | 91.7553% | 270 |
| Equity capital to assets | 7.8523% | 6,887 |
| Core capital (leverage) ratio | 7.8936% | 6,388 |
| Tier 1 risk-based capital ratio | 10.3880% | 6,774 |
| Total risk-based capital ratio | 11.6465% | 6,751 |
| Memoranda: | ||
| Average total assets | $48,969,000 | 6,697 |
| Average earning assets | $42,005,330 | 6,780 |
| Average equity | $3,823,670 | 7,175 |
| Average total loans | $34,785,670 | 6,297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7249% | 1,684 |
| Cost of funding earning assets | 1.6142% | 2,873 |
| Net interest margin | 4.1107% | 2,398 |
| Noninterest income to average assets | 0.4350% | 4,606 |
| Noninterest expense to average assets | 2.8645% | 4,203 |
| Loan and lease loss provision to assets | 0.7141% | 1,786 |
| Net operating income to assets | 0.4514% | 4,610 |
| Return on assets (ROA) | 0.4514% | 4,736 |
| Pretax return on assets | 0.4514% | 5,128 |
| Return on Equity (ROE) | 5.7979% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.7979% | 2,715 |
| Net charge-offs to loans | 0.3230% | 3,120 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 4.8966% | 2,516 |
| Efficiency ratio | 71.0794% | 4,107 |
| Assets per employee ($millions) | 2.9678% | 6,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2045% | 1,743 |
| Loan loss allowance to noncurrent loans | 64.7746% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 3.9149% | 1,764 |
| Noncurrent loans to loans | 3.4033% | 2,348 |
| Net loans and leases to total assets | 72.4966% | 2,333 |
| Net loans and leases to deposits | 79.2308% | 3,795 |
| Net loans and leases to core deposits | 79.2308% | 4,860 |
| Total domestic deposits to total assets | 91.5005% | 371 |
| Equity capital to assets | 8.0425% | 6,607 |
| Core capital (leverage) ratio | 7.7515% | 6,567 |
| Tier 1 risk-based capital ratio | 9.5904% | 7,255 |
| Total risk-based capital ratio | 10.8497% | 7,246 |
| Memoranda: | ||
| Average total assets | $48,734,500 | 6,778 |
| Average earning assets | $42,620,500 | 6,832 |
| Average equity | $3,794,500 | 7,252 |
| Average total loans | $35,908,500 | 6,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1452% | 1,389 |
| Cost of funding earning assets | 2.0508% | 2,719 |
| Net interest margin | 4.0944% | 2,480 |
| Noninterest income to average assets | 0.4061% | 5,152 |
| Noninterest expense to average assets | 3.2004% | 3,377 |
| Loan and lease loss provision to assets | 0.8144% | 2,690 |
| Net operating income to assets | 0.0508% | 5,334 |
| Return on assets (ROA) | 0.0508% | 5,393 |
| Pretax return on assets | 0.0529% | 5,320 |
| Return on Equity (ROE) | 0.6403% | 5,344 |
| Retained earnings to average equity (ytd only) | -2.1612% | 5,551 |
| Net charge-offs to loans | 0.8034% | 2,816 |
| Credit loss provision to net charge-offs | 134.1463% | 3,713 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 4,694 |
| Efficiency ratio | 78.6791% | 3,098 |
| Assets per employee ($millions) | 3.1240% | 5,932 |
| Cash dividends to net income (ytd only)* | 437.5000% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,107 |
| Loan loss allowance to noncurrent loans | 71.3718% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 3.3351% | 2,048 |
| Noncurrent loans to loans | 2.7474% | 2,815 |
| Net loans and leases to total assets | 71.8190% | 2,799 |
| Net loans and leases to deposits | 78.0680% | 4,357 |
| Net loans and leases to core deposits | 86.6850% | 5,454 |
| Total domestic deposits to total assets | 91.9954% | 269 |
| Equity capital to assets | 7.5424% | 6,994 |
| Core capital (leverage) ratio | 7.5815% | 6,705 |
| Tier 1 risk-based capital ratio | 9.3520% | 7,304 |
| Total risk-based capital ratio | 10.6086% | 7,284 |
| Memoranda: | ||
| Average total assets | $47,275,200 | 6,819 |
| Average earning assets | $42,276,800 | 6,850 |
| Average equity | $3,748,000 | 7,373 |
| Average total loans | $35,722,400 | 6,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1265% | 1,561 |
| Cost of funding earning assets | 2.1556% | 2,623 |
| Net interest margin | 3.9710% | 2,939 |
| Noninterest income to average assets | 0.4120% | 5,199 |
| Noninterest expense to average assets | 3.1674% | 3,413 |
| Loan and lease loss provision to assets | 1.1016% | 1,774 |
| Net operating income to assets | -0.2861% | 6,178 |
| Return on assets (ROA) | -0.2861% | 6,192 |
| Pretax return on assets | -0.2833% | 6,083 |
| Return on Equity (ROE) | -3.5626% | 6,301 |
| Retained earnings to average equity (ytd only) | -7.1965% | 6,529 |
| Net charge-offs to loans | 0.5596% | 3,003 |
| Credit loss provision to net charge-offs | 258.3893% | 1,655 |
| Earnings coverage of net charge-offs (x) | 1.9195% | 4,372 |
| Efficiency ratio | 79.4688% | 2,925 |
| Assets per employee ($millions) | 2.9645% | 6,256 |
| Cash dividends to net income (ytd only)* | -102.0026% | 7,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4071% | 1,164 |
| Loan loss allowance to noncurrent loans | 65.2937% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 3.9994% | 1,599 |
| Noncurrent loans to loans | 3.6866% | 2,027 |
| Net loans and leases to total assets | 73.1679% | 2,748 |
| Net loans and leases to deposits | 79.7523% | 4,426 |
| Net loans and leases to core deposits | 89.0763% | 5,520 |
| Total domestic deposits to total assets | 91.7440% | 215 |
| Equity capital to assets | 7.7037% | 7,143 |
| Core capital (leverage) ratio | 7.4735% | 7,010 |
| Tier 1 risk-based capital ratio | 9.3446% | 7,470 |
| Total risk-based capital ratio | 10.6062% | 7,442 |
| Memoranda: | ||
| Average total assets | $46,598,000 | 6,891 |
| Average earning assets | $41,936,750 | 6,912 |
| Average equity | $3,742,500 | 7,437 |
| Average total loans | $35,499,000 | 6,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1484% | 1,622 |
| Cost of funding earning assets | 2.2140% | 2,727 |
| Net interest margin | 3.9344% | 2,958 |
| Noninterest income to average assets | 0.4059% | 5,234 |
| Noninterest expense to average assets | 3.2081% | 3,313 |
| Loan and lease loss provision to assets | 1.1442% | 1,501 |
| Net operating income to assets | -0.4059% | 6,453 |
| Return on assets (ROA) | -0.4059% | 6,461 |
| Pretax return on assets | -0.4016% | 6,327 |
| Return on Equity (ROE) | -4.9841% | 6,606 |
| Retained earnings to average equity (ytd only) | -10.3924% | 6,911 |
| Net charge-offs to loans | 0.9245% | 1,860 |
| Credit loss provision to net charge-offs | 161.5854% | 2,843 |
| Earnings coverage of net charge-offs (x) | 1.0488% | 4,739 |
| Efficiency ratio | 81.2022% | 2,851 |
| Assets per employee ($millions) | 2.9139% | 6,346 |
| Cash dividends to net income (ytd only)* | -108.5106% | 8,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,478 |
| Loan loss allowance to noncurrent loans | 62.0482% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.4923% | 2,585 |
| Noncurrent loans to loans | 3.3055% | 2,134 |
| Net loans and leases to total assets | 73.8541% | 2,748 |
| Net loans and leases to deposits | 80.6205% | 4,454 |
| Net loans and leases to core deposits | 90.2569% | 5,512 |
| Total domestic deposits to total assets | 91.6071% | 291 |
| Equity capital to assets | 7.7601% | 7,018 |
| Core capital (leverage) ratio | 7.4950% | 7,025 |
| Tier 1 risk-based capital ratio | 9.3956% | 7,478 |
| Total risk-based capital ratio | 10.6543% | 7,437 |
| Memoranda: | ||
| Average total assets | $46,320,000 | 6,970 |
| Average earning assets | $41,734,670 | 6,982 |
| Average equity | $3,772,000 | 7,487 |
| Average total loans | $35,478,330 | 6,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 1,439 |
| Cost of funding earning assets | 2.2841% | 2,771 |
| Net interest margin | 3.9681% | 2,784 |
| Noninterest income to average assets | 0.3985% | 5,216 |
| Noninterest expense to average assets | 2.8071% | 4,528 |
| Loan and lease loss provision to assets | 0.1300% | 5,293 |
| Net operating income to assets | 1.0050% | 2,292 |
| Return on assets (ROA) | 1.0050% | 2,430 |
| Pretax return on assets | 1.0137% | 3,295 |
| Return on Equity (ROE) | 12.0551% | 1,644 |
| Retained earnings to average equity (ytd only) | 8.4178% | 1,655 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0526% | 4,362 |
| Assets per employee ($millions) | 2.9303% | 6,343 |
| Cash dividends to net income (ytd only)* | 30.1724% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 1,779 |
| Loan loss allowance to noncurrent loans | 108.7329% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 4,192 |
| Noncurrent loans to loans | 1.6841% | 3,730 |
| Net loans and leases to total assets | 72.6090% | 3,093 |
| Net loans and leases to deposits | 79.7031% | 4,662 |
| Net loans and leases to core deposits | 89.4759% | 5,607 |
| Total domestic deposits to total assets | 91.0993% | 383 |
| Equity capital to assets | 8.3120% | 6,371 |
| Core capital (leverage) ratio | 8.3094% | 5,889 |
| Tier 1 risk-based capital ratio | 10.3901% | 6,509 |
| Total risk-based capital ratio | 10.4227% | 7,687 |
| Memoranda: | ||
| Average total assets | $46,168,500 | 7,022 |
| Average earning assets | $41,329,500 | 7,046 |
| Average equity | $3,849,000 | 7,503 |
| Average total loans | $35,640,500 | 6,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8815% | 1,458 |
| Cost of funding earning assets | 2.8431% | 2,507 |
| Net interest margin | 4.0383% | 2,945 |
| Noninterest income to average assets | 0.3649% | 5,797 |
| Noninterest expense to average assets | 3.2573% | 3,131 |
| Loan and lease loss provision to assets | 0.1592% | 5,341 |
| Net operating income to assets | 0.6147% | 4,241 |
| Return on assets (ROA) | 0.6147% | 4,102 |
| Pretax return on assets | 0.6170% | 4,636 |
| Return on Equity (ROE) | 7.6110% | 3,237 |
| Retained earnings to average equity (ytd only) | 3.0937% | 3,234 |
| Net charge-offs to loans | 0.1146% | 5,116 |
| Credit loss provision to net charge-offs | 180.0000% | 2,801 |
| Earnings coverage of net charge-offs (x) | 8.7750% | 2,823 |
| Efficiency ratio | 80.7566% | 2,488 |
| Assets per employee ($millions) | 2.8408% | 6,468 |
| Cash dividends to net income (ytd only)* | 59.3525% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,929 |
| Loan loss allowance to noncurrent loans | 89.5954% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.5929% | 3,054 |
| Noncurrent loans to loans | 1.8905% | 2,923 |
| Net loans and leases to total assets | 79.1675% | 1,844 |
| Net loans and leases to deposits | 88.1183% | 3,788 |
| Net loans and leases to core deposits | 98.2981% | 5,009 |
| Total domestic deposits to total assets | 89.8423% | 715 |
| Equity capital to assets | 8.3625% | 6,321 |
| Core capital (leverage) ratio | 8.2301% | 6,106 |
| Tier 1 risk-based capital ratio | 9.8990% | 6,850 |
| Total risk-based capital ratio | 11.0758% | 6,814 |
| Memoranda: | ||
| Average total assets | $45,222,000 | 6,979 |
| Average earning assets | $41,081,400 | 6,989 |
| Average equity | $3,652,600 | 7,633 |
| Average total loans | $34,898,000 | 6,435 |