Home > Concordia Bank of Concordia, Missouri > Performance and Condition Ratios
Concordia Bank of Concordia, Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4561% | 1,228 |
| Cost of funding earning assets | 0.7639% | 3,826 |
| Net interest margin | 4.6922% | 479 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 3.2362% | 793 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.0911% | 1,945 |
| Return on assets (ROA) | 1.0911% | 1,916 |
| Pretax return on assets | 1.4653% | 1,498 |
| Return on Equity (ROE) | 10.7600% | 2,293 |
| Retained earnings to average equity (ytd only) | 10.7581% | 848 |
| Net charge-offs to loans | 0.0158% | 2,069 |
| Credit loss provision to net charge-offs | 1,858.3333% | 242 |
| Earnings coverage of net charge-offs (x) | 146.8333% | 719 |
| Efficiency ratio | 65.8593% | 2,372 |
| Assets per employee ($millions) | 3.8843% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,544 |
| Loan loss allowance to noncurrent loans | 3,730.7692% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,546 |
| Noncurrent loans to loans | 0.0308% | 3,516 |
| Net loans and leases to total assets | 76.6200% | 1,028 |
| Net loans and leases to deposits | 88.7515% | 1,369 |
| Net loans and leases to core deposits | 90.8969% | 1,991 |
| Total domestic deposits to total assets | 86.3300% | 1,903 |
| Equity capital to assets | 10.4772% | 1,734 |
| Core capital (leverage) ratio | 11.3017% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $105,032,200 | 3,781 |
| Average earning assets | $97,139,400 | 3,774 |
| Average equity | $10,652,400 | 3,652 |
| Average total loans | $75,858,200 | 3,469 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 1,257 |
| Cost of funding earning assets | 0.6101% | 3,952 |
| Net interest margin | 4.7132% | 453 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 3.2148% | 802 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.0733% | 2,136 |
| Return on assets (ROA) | 1.0733% | 2,125 |
| Pretax return on assets | 1.4498% | 1,676 |
| Return on Equity (ROE) | 10.6700% | 2,460 |
| Retained earnings to average equity (ytd only) | 10.6748% | 1,225 |
| Net charge-offs to loans | 0.0253% | 1,569 |
| Credit loss provision to net charge-offs | 1,371.4286% | 325 |
| Earnings coverage of net charge-offs (x) | 94.5714% | 946 |
| Efficiency ratio | 65.4669% | 2,338 |
| Assets per employee ($millions) | 3.9754% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,615 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.0200% | 1,233 |
| Net loans and leases to deposits | 86.3866% | 1,524 |
| Net loans and leases to core deposits | 87.6332% | 2,082 |
| Total domestic deposits to total assets | 86.8500% | 1,935 |
| Equity capital to assets | 9.9939% | 1,835 |
| Core capital (leverage) ratio | 11.3032% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,100,250 | 3,807 |
| Average earning assets | $96,153,500 | 3,795 |
| Average equity | $10,466,750 | 3,670 |
| Average total loans | $73,748,500 | 3,504 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 1,211 |
| Cost of funding earning assets | 0.5344% | 3,913 |
| Net interest margin | 4.6688% | 484 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.1629% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2632% | 1,657 |
| Return on assets (ROA) | 1.2632% | 1,650 |
| Pretax return on assets | 1.7076% | 1,198 |
| Return on Equity (ROE) | 12.4800% | 2,017 |
| Retained earnings to average equity (ytd only) | 12.4844% | 890 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.9402% | 2,383 |
| Assets per employee ($millions) | 3.8367% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,425 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.5100% | 1,464 |
| Net loans and leases to deposits | 81.2096% | 1,894 |
| Net loans and leases to core deposits | 82.3817% | 2,302 |
| Total domestic deposits to total assets | 89.2900% | 1,142 |
| Equity capital to assets | 10.3986% | 1,635 |
| Core capital (leverage) ratio | 11.3520% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $103,071,000 | 3,831 |
| Average earning assets | $95,056,333 | 3,825 |
| Average equity | $10,429,000 | 3,683 |
| Average total loans | $71,176,667 | 3,542 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,383 |
| Cost of funding earning assets | 0.4813% | 3,755 |
| Net interest margin | 4.4330% | 646 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 3.1203% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1049% | 2,212 |
| Return on assets (ROA) | 1.1049% | 2,175 |
| Pretax return on assets | 1.4940% | 1,684 |
| Return on Equity (ROE) | 11.0700% | 2,470 |
| Retained earnings to average equity (ytd only) | 11.0748% | 1,452 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.6223% | 2,022 |
| Assets per employee ($millions) | 3.9953% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,789 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.3700% | 2,428 |
| Net loans and leases to deposits | 69.8079% | 2,630 |
| Net loans and leases to core deposits | 70.8104% | 2,896 |
| Total domestic deposits to total assets | 89.3400% | 1,406 |
| Equity capital to assets | 10.0800% | 1,778 |
| Core capital (leverage) ratio | 10.7869% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,811,000 | 3,883 |
| Average earning assets | $94,745,000 | 3,874 |
| Average equity | $10,257,500 | 3,753 |
| Average total loans | $68,829,000 | 3,627 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 1,262 |
| Cost of funding earning assets | 0.2730% | 3,120 |
| Net interest margin | 3.9193% | 917 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.6679% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1530% | 1,960 |
| Return on assets (ROA) | 1.1530% | 1,902 |
| Pretax return on assets | 1.5698% | 1,245 |
| Return on Equity (ROE) | 12.3100% | 2,032 |
| Retained earnings to average equity (ytd only) | 12.3069% | 616 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9571% | 2,636 |
| Assets per employee ($millions) | 4.2393% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,114 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.1300% | 1,628 |
| Net loans and leases to deposits | 78.1867% | 1,925 |
| Net loans and leases to core deposits | 79.9520% | 2,138 |
| Total domestic deposits to total assets | 89.7000% | 1,484 |
| Equity capital to assets | 9.8719% | 1,772 |
| Core capital (leverage) ratio | 10.5699% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $103,900,400 | 3,895 |
| Average earning assets | $96,343,200 | 3,873 |
| Average equity | $9,734,400 | 3,905 |
| Average total loans | $70,539,000 | 3,569 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 1,268 |
| Cost of funding earning assets | 0.2556% | 2,648 |
| Net interest margin | 3.7426% | 1,048 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.5545% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1209% | 2,000 |
| Return on assets (ROA) | 1.1209% | 1,970 |
| Pretax return on assets | 1.5205% | 1,356 |
| Return on Equity (ROE) | 12.1200% | 1,996 |
| Retained earnings to average equity (ytd only) | 12.1222% | 766 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.6880% | 2,739 |
| Assets per employee ($millions) | 4.5057% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,219 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.5600% | 1,610 |
| Net loans and leases to deposits | 75.9208% | 1,883 |
| Net loans and leases to core deposits | 77.5897% | 2,070 |
| Total domestic deposits to total assets | 90.3100% | 1,521 |
| Equity capital to assets | 9.2328% | 2,052 |
| Core capital (leverage) ratio | 10.3150% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,439,750 | 3,911 |
| Average earning assets | $97,041,750 | 3,892 |
| Average equity | $9,657,000 | 3,953 |
| Average total loans | $70,145,750 | 3,588 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 1,329 |
| Cost of funding earning assets | 0.2543% | 2,205 |
| Net interest margin | 3.5375% | 1,213 |
| Noninterest income to average assets | 0.5940% | 1,770 |
| Noninterest expense to average assets | 2.5213% | 1,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0047% | 2,137 |
| Return on assets (ROA) | 1.0047% | 2,109 |
| Pretax return on assets | 1.3676% | 1,526 |
| Return on Equity (ROE) | 10.8603% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.8603% | 807 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8330% | 2,659 |
| Assets per employee ($millions) | 4.8490% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.9888% | 1,585 |
| Net loans and leases to deposits | 73.9522% | 1,874 |
| Net loans and leases to core deposits | 75.5231% | 2,055 |
| Total domestic deposits to total assets | 90.5839% | 1,422 |
| Equity capital to assets | 9.0280% | 2,367 |
| Core capital (leverage) ratio | 9.7024% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,709,667 | 3,949 |
| Average earning assets | $97,526,333 | 3,937 |
| Average equity | $9,686,667 | 4,032 |
| Average total loans | $69,591,000 | 3,627 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 1,439 |
| Cost of funding earning assets | 0.2518% | 2,135 |
| Net interest margin | 3.3722% | 1,373 |
| Noninterest income to average assets | 0.5862% | 1,752 |
| Noninterest expense to average assets | 2.5452% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8715% | 2,406 |
| Return on assets (ROA) | 0.8715% | 2,396 |
| Pretax return on assets | 1.1916% | 1,834 |
| Return on Equity (ROE) | 9.3057% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.3057% | 1,184 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1115% | 2,492 |
| Assets per employee ($millions) | 4.8631% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,125 |
| Loan loss allowance to noncurrent loans | 75,800.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,115 |
| Noncurrent loans to loans | 0.0015% | 4,045 |
| Net loans and leases to total assets | 61.1685% | 1,945 |
| Net loans and leases to deposits | 67.4517% | 2,204 |
| Net loans and leases to core deposits | 68.8779% | 2,379 |
| Total domestic deposits to total assets | 90.6849% | 1,188 |
| Equity capital to assets | 8.9692% | 2,734 |
| Core capital (leverage) ratio | 9.6117% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,725,000 | 3,974 |
| Average earning assets | $96,910,000 | 3,961 |
| Average equity | $9,714,500 | 4,090 |
| Average total loans | $68,275,500 | 3,650 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 825 |
| Cost of funding earning assets | 0.2733% | 2,675 |
| Net interest margin | 4.0458% | 647 |
| Noninterest income to average assets | 0.6624% | 1,896 |
| Noninterest expense to average assets | 2.6792% | 1,688 |
| Loan and lease loss provision to assets | 0.0092% | 2,894 |
| Net operating income to assets | 1.2511% | 1,741 |
| Return on assets (ROA) | 1.2511% | 1,798 |
| Pretax return on assets | 1.7179% | 1,100 |
| Return on Equity (ROE) | 13.1840% | 1,404 |
| Retained earnings to average equity (ytd only) | 13.1840% | 380 |
| Net charge-offs to loans | 0.2821% | 317 |
| Credit loss provision to net charge-offs | 4.8649% | 2,318 |
| Earnings coverage of net charge-offs (x) | 9.1189% | 2,273 |
| Efficiency ratio | 60.8039% | 3,026 |
| Assets per employee ($millions) | 4.5665% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.2720% | 1,127 |
| Net loans and leases to deposits | 77.1949% | 1,475 |
| Net loans and leases to core deposits | 78.5037% | 1,720 |
| Total domestic deposits to total assets | 89.7364% | 1,091 |
| Equity capital to assets | 9.7878% | 2,863 |
| Core capital (leverage) ratio | 9.7186% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,677,800 | 4,019 |
| Average earning assets | $90,389,400 | 4,014 |
| Average equity | $9,268,800 | 4,218 |
| Average total loans | $65,576,000 | 3,733 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 949 |
| Cost of funding earning assets | 0.2784% | 2,819 |
| Net interest margin | 4.0220% | 765 |
| Noninterest income to average assets | 0.6901% | 1,859 |
| Noninterest expense to average assets | 2.6465% | 1,715 |
| Loan and lease loss provision to assets | 0.0124% | 2,744 |
| Net operating income to assets | 1.2786% | 1,891 |
| Return on assets (ROA) | 1.2786% | 1,948 |
| Pretax return on assets | 1.7460% | 1,289 |
| Return on Equity (ROE) | 13.5846% | 1,526 |
| Retained earnings to average equity (ytd only) | 13.5846% | 562 |
| Net charge-offs to loans | 0.3831% | 199 |
| Credit loss provision to net charge-offs | 4.8649% | 2,039 |
| Earnings coverage of net charge-offs (x) | 6.9135% | 2,160 |
| Efficiency ratio | 60.0811% | 2,976 |
| Assets per employee ($millions) | 4.8704% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.2761% | 1,733 |
| Net loans and leases to deposits | 71.3661% | 2,120 |
| Net loans and leases to core deposits | 72.7513% | 2,345 |
| Total domestic deposits to total assets | 90.0654% | 747 |
| Equity capital to assets | 9.3929% | 3,474 |
| Core capital (leverage) ratio | 9.5572% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,981,750 | 4,067 |
| Average earning assets | $89,571,500 | 4,076 |
| Average equity | $9,127,750 | 4,290 |
| Average total loans | $64,382,500 | 3,808 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 977 |
| Cost of funding earning assets | 0.2867% | 2,902 |
| Net interest margin | 4.0300% | 781 |
| Noninterest income to average assets | 0.6911% | 1,844 |
| Noninterest expense to average assets | 2.6844% | 1,631 |
| Loan and lease loss provision to assets | 0.0126% | 2,696 |
| Net operating income to assets | 1.2519% | 2,017 |
| Return on assets (ROA) | 1.2519% | 2,083 |
| Pretax return on assets | 1.7140% | 1,449 |
| Return on Equity (ROE) | 13.2917% | 1,627 |
| Retained earnings to average equity (ytd only) | 13.2917% | 670 |
| Net charge-offs to loans | 0.5811% | 135 |
| Credit loss provision to net charge-offs | 3.2432% | 1,793 |
| Earnings coverage of net charge-offs (x) | 4.4432% | 2,031 |
| Efficiency ratio | 60.8571% | 2,893 |
| Assets per employee ($millions) | 4.6838% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.7986% | 1,472 |
| Net loans and leases to deposits | 75.2613% | 1,893 |
| Net loans and leases to core deposits | 76.5573% | 2,189 |
| Total domestic deposits to total assets | 90.0843% | 731 |
| Equity capital to assets | 9.4145% | 3,414 |
| Core capital (leverage) ratio | 9.2206% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,216,000 | 4,118 |
| Average earning assets | $87,891,667 | 4,112 |
| Average equity | $8,968,000 | 4,328 |
| Average total loans | $63,677,000 | 3,838 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 1,982 |
| Cost of funding earning assets | 0.2918% | 3,080 |
| Net interest margin | 3.5475% | 1,704 |
| Noninterest income to average assets | 0.7133% | 1,834 |
| Noninterest expense to average assets | 2.8149% | 1,335 |
| Loan and lease loss provision to assets | 0.0128% | 2,615 |
| Net operating income to assets | 0.8372% | 3,304 |
| Return on assets (ROA) | 0.8372% | 3,389 |
| Pretax return on assets | 1.1576% | 2,959 |
| Return on Equity (ROE) | 8.8869% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.8869% | 1,982 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6324% | 1,634 |
| Assets per employee ($millions) | 4.5293% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,508 |
| Loan loss allowance to noncurrent loans | 32.3895% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 2.9063% | 108 |
| Noncurrent loans to loans | 4.7195% | 92 |
| Net loans and leases to total assets | 60.6393% | 2,456 |
| Net loans and leases to deposits | 66.9014% | 2,820 |
| Net loans and leases to core deposits | 68.0297% | 3,055 |
| Total domestic deposits to total assets | 90.6398% | 525 |
| Equity capital to assets | 8.8865% | 3,797 |
| Core capital (leverage) ratio | 9.2924% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,644,500 | 4,146 |
| Average earning assets | $86,371,500 | 4,140 |
| Average equity | $8,822,000 | 4,356 |
| Average total loans | $61,794,500 | 3,885 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 610 |
| Cost of funding earning assets | 0.4172% | 3,479 |
| Net interest margin | 4.4711% | 346 |
| Noninterest income to average assets | 0.6968% | 1,869 |
| Noninterest expense to average assets | 2.9896% | 1,458 |
| Loan and lease loss provision to assets | 0.7201% | 215 |
| Net operating income to assets | 0.7332% | 3,322 |
| Return on assets (ROA) | 0.7778% | 3,302 |
| Pretax return on assets | 1.0796% | 2,769 |
| Return on Equity (ROE) | 7.3939% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.3939% | 1,240 |
| Net charge-offs to loans | 0.0017% | 3,350 |
| Credit loss provision to net charge-offs | 58,700.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,421.0000% | 77 |
| Efficiency ratio | 63.1674% | 2,946 |
| Assets per employee ($millions) | 4.8691% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,579 |
| Loan loss allowance to noncurrent loans | 31.9658% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 3.4868% | 86 |
| Noncurrent loans to loans | 4.7005% | 102 |
| Net loans and leases to total assets | 69.9329% | 1,570 |
| Net loans and leases to deposits | 78.2345% | 2,041 |
| Net loans and leases to core deposits | 79.4978% | 2,406 |
| Total domestic deposits to total assets | 89.3889% | 812 |
| Equity capital to assets | 10.0281% | 3,108 |
| Core capital (leverage) ratio | 9.7599% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,514,800 | 4,225 |
| Average earning assets | $73,584,400 | 4,243 |
| Average equity | $8,574,600 | 4,362 |
| Average total loans | $60,000,600 | 3,918 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 672 |
| Cost of funding earning assets | 0.4409% | 3,583 |
| Net interest margin | 4.5036% | 368 |
| Noninterest income to average assets | 0.7185% | 1,742 |
| Noninterest expense to average assets | 2.9806% | 1,485 |
| Loan and lease loss provision to assets | 0.1338% | 2,679 |
| Net operating income to assets | 1.1980% | 1,639 |
| Return on assets (ROA) | 1.2586% | 1,570 |
| Pretax return on assets | 1.7337% | 902 |
| Return on Equity (ROE) | 11.8137% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.8137% | 455 |
| Net charge-offs to loans | 0.0022% | 3,105 |
| Credit loss provision to net charge-offs | 8,000.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 1,074.0000% | 111 |
| Efficiency ratio | 62.4738% | 2,997 |
| Assets per employee ($millions) | 4.5912% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 4,612 |
| Loan loss allowance to noncurrent loans | 15.9463% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.2270% | 126 |
| Noncurrent loans to loans | 4.2423% | 147 |
| Net loans and leases to total assets | 72.0370% | 1,658 |
| Net loans and leases to deposits | 80.8523% | 2,216 |
| Net loans and leases to core deposits | 82.1653% | 2,651 |
| Total domestic deposits to total assets | 89.0970% | 729 |
| Equity capital to assets | 10.2496% | 3,008 |
| Core capital (leverage) ratio | 10.0816% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,982,500 | 4,251 |
| Average earning assets | $71,970,500 | 4,277 |
| Average equity | $8,521,000 | 4,387 |
| Average total loans | $59,444,000 | 3,952 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 939 |
| Cost of funding earning assets | 0.4748% | 3,680 |
| Net interest margin | 4.4455% | 561 |
| Noninterest income to average assets | 0.7065% | 1,716 |
| Noninterest expense to average assets | 3.0606% | 1,441 |
| Loan and lease loss provision to assets | 0.2037% | 2,016 |
| Net operating income to assets | 1.0305% | 2,218 |
| Return on assets (ROA) | 1.1242% | 2,008 |
| Pretax return on assets | 1.5445% | 1,355 |
| Return on Equity (ROE) | 10.4045% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.4045% | 710 |
| Net charge-offs to loans | 0.0034% | 2,861 |
| Credit loss provision to net charge-offs | 7,900.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 632.0000% | 162 |
| Efficiency ratio | 65.2556% | 2,621 |
| Assets per employee ($millions) | 4.5583% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 4,636 |
| Loan loss allowance to noncurrent loans | 60.3107% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,021 |
| Noncurrent loans to loans | 1.1082% | 1,417 |
| Net loans and leases to total assets | 73.2724% | 1,513 |
| Net loans and leases to deposits | 81.8995% | 2,219 |
| Net loans and leases to core deposits | 82.4196% | 2,741 |
| Total domestic deposits to total assets | 89.4662% | 587 |
| Equity capital to assets | 9.9634% | 3,242 |
| Core capital (leverage) ratio | 10.3511% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3690% | 2,042 |
| Memoranda: | ||
| Average total assets | $77,565,667 | 4,287 |
| Average earning assets | $69,508,333 | 4,322 |
| Average equity | $8,381,000 | 4,422 |
| Average total loans | $58,169,333 | 3,975 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 698 |
| Cost of funding earning assets | 0.5550% | 3,668 |
| Net interest margin | 4.6130% | 401 |
| Noninterest income to average assets | 0.6188% | 1,956 |
| Noninterest expense to average assets | 3.3130% | 1,198 |
| Loan and lease loss provision to assets | 0.3669% | 838 |
| Net operating income to assets | 0.7210% | 3,199 |
| Return on assets (ROA) | 0.9200% | 2,565 |
| Pretax return on assets | 1.2869% | 1,907 |
| Return on Equity (ROE) | 8.1385% | 2,460 |
| Retained earnings to average equity (ytd only) | 8.1385% | 1,192 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2671% | 2,309 |
| Assets per employee ($millions) | 3.6352% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 4,526 |
| Loan loss allowance to noncurrent loans | 57.3204% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 910 |
| Noncurrent loans to loans | 1.3054% | 1,251 |
| Net loans and leases to total assets | 72.1064% | 1,903 |
| Net loans and leases to deposits | 81.5883% | 2,510 |
| Net loans and leases to core deposits | 82.7996% | 2,953 |
| Total domestic deposits to total assets | 88.3783% | 938 |
| Equity capital to assets | 10.9510% | 2,903 |
| Core capital (leverage) ratio | 10.9480% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,045,000 | 4,359 |
| Average earning assets | $64,859,500 | 4,402 |
| Average equity | $8,257,000 | 4,461 |
| Average total loans | $55,311,000 | 4,046 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 1,216 |
| Cost of funding earning assets | 0.5947% | 3,668 |
| Net interest margin | 4.5045% | 710 |
| Noninterest income to average assets | 0.5669% | 2,389 |
| Noninterest expense to average assets | 3.3155% | 1,267 |
| Loan and lease loss provision to assets | 0.0041% | 3,921 |
| Net operating income to assets | 0.9266% | 3,106 |
| Return on assets (ROA) | 0.9266% | 3,181 |
| Pretax return on assets | 1.2728% | 2,603 |
| Return on Equity (ROE) | 8.8014% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.8014% | 763 |
| Net charge-offs to loans | 0.0127% | 3,232 |
| Credit loss provision to net charge-offs | 42.8571% | 3,178 |
| Earnings coverage of net charge-offs (x) | 133.8571% | 544 |
| Efficiency ratio | 72.1958% | 1,842 |
| Assets per employee ($millions) | 3.4875% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6327% | 4,685 |
| Loan loss allowance to noncurrent loans | 26.3396% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 307 |
| Noncurrent loans to loans | 2.4021% | 472 |
| Net loans and leases to total assets | 78.5835% | 992 |
| Net loans and leases to deposits | 89.7748% | 1,616 |
| Net loans and leases to core deposits | 91.0287% | 2,321 |
| Total domestic deposits to total assets | 87.5341% | 1,353 |
| Equity capital to assets | 11.6903% | 2,358 |
| Core capital (leverage) ratio | 11.0107% | 2,493 |
| Tier 1 risk-based capital ratio | 13.6211% | 3,450 |
| Total risk-based capital ratio | 14.2174% | 3,685 |
| Memoranda: | ||
| Average total assets | $73,383,400 | 4,380 |
| Average earning assets | $65,578,600 | 4,411 |
| Average equity | $7,726,000 | 4,540 |
| Average total loans | $54,914,600 | 4,080 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 1,405 |
| Cost of funding earning assets | 0.5965% | 3,721 |
| Net interest margin | 4.4565% | 844 |
| Noninterest income to average assets | 0.5294% | 2,560 |
| Noninterest expense to average assets | 3.2717% | 1,329 |
| Loan and lease loss provision to assets | 0.0036% | 3,796 |
| Net operating income to assets | 0.8991% | 3,352 |
| Return on assets (ROA) | 0.8991% | 3,424 |
| Pretax return on assets | 1.2365% | 2,869 |
| Return on Equity (ROE) | 8.7673% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.7673% | 1,110 |
| Net charge-offs to loans | 0.0024% | 3,346 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 692.7143% | 140 |
| Efficiency ratio | 72.5139% | 1,758 |
| Assets per employee ($millions) | 3.6840% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 4,765 |
| Loan loss allowance to noncurrent loans | 33.7143% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 801 |
| Noncurrent loans to loans | 1.8744% | 752 |
| Net loans and leases to total assets | 75.5493% | 1,553 |
| Net loans and leases to deposits | 85.3677% | 2,275 |
| Net loans and leases to core deposits | 87.9104% | 2,741 |
| Total domestic deposits to total assets | 88.4988% | 827 |
| Equity capital to assets | 10.8104% | 3,283 |
| Core capital (leverage) ratio | 10.6592% | 2,967 |
| Tier 1 risk-based capital ratio | 13.1086% | 3,796 |
| Total risk-based capital ratio | 13.7055% | 4,055 |
| Memoranda: | ||
| Average total assets | $74,291,750 | 4,422 |
| Average earning assets | $66,388,000 | 4,451 |
| Average equity | $7,619,000 | 4,608 |
| Average total loans | $54,853,000 | 4,128 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 1,562 |
| Cost of funding earning assets | 0.6030% | 3,636 |
| Net interest margin | 4.3680% | 1,002 |
| Noninterest income to average assets | 0.4537% | 2,939 |
| Noninterest expense to average assets | 3.2807% | 1,317 |
| Loan and lease loss provision to assets | 0.0027% | 3,652 |
| Net operating income to assets | 0.7813% | 3,719 |
| Return on assets (ROA) | 0.7813% | 3,784 |
| Pretax return on assets | 1.0793% | 3,294 |
| Return on Equity (ROE) | 7.7562% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.7562% | 1,495 |
| Net charge-offs to loans | 0.0037% | 3,028 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 194 |
| Efficiency ratio | 75.2000% | 1,496 |
| Assets per employee ($millions) | 3.4979% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6318% | 4,821 |
| Loan loss allowance to noncurrent loans | 34.1723% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 843 |
| Noncurrent loans to loans | 1.8488% | 810 |
| Net loans and leases to total assets | 75.5864% | 1,613 |
| Net loans and leases to deposits | 85.3056% | 2,338 |
| Net loans and leases to core deposits | 89.3269% | 2,655 |
| Total domestic deposits to total assets | 88.6066% | 823 |
| Equity capital to assets | 10.5493% | 3,477 |
| Core capital (leverage) ratio | 10.2651% | 3,317 |
| Tier 1 risk-based capital ratio | 12.5008% | 4,122 |
| Total risk-based capital ratio | 13.0855% | 4,395 |
| Memoranda: | ||
| Average total assets | $74,496,000 | 4,457 |
| Average earning assets | $66,666,330 | 4,486 |
| Average equity | $7,503,670 | 4,647 |
| Average total loans | $54,464,670 | 4,166 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 1,936 |
| Cost of funding earning assets | 0.5808% | 3,673 |
| Net interest margin | 4.2075% | 1,289 |
| Noninterest income to average assets | 0.3573% | 3,462 |
| Noninterest expense to average assets | 3.2366% | 1,416 |
| Loan and lease loss provision to assets | 0.0053% | 3,359 |
| Net operating income to assets | 0.6452% | 4,107 |
| Return on assets (ROA) | 0.6452% | 4,142 |
| Pretax return on assets | 0.9011% | 3,764 |
| Return on Equity (ROE) | 6.5574% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.5574% | 2,224 |
| Net charge-offs to loans | 0.0074% | 2,432 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 449 |
| Efficiency ratio | 78.1210% | 1,252 |
| Assets per employee ($millions) | 3.6134% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 4,852 |
| Loan loss allowance to noncurrent loans | 34.5401% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 888 |
| Noncurrent loans to loans | 1.8860% | 807 |
| Net loans and leases to total assets | 70.9470% | 2,334 |
| Net loans and leases to deposits | 79.3620% | 2,912 |
| Net loans and leases to core deposits | 84.2280% | 3,007 |
| Total domestic deposits to total assets | 89.3967% | 694 |
| Equity capital to assets | 9.8627% | 3,954 |
| Core capital (leverage) ratio | 9.6776% | 3,942 |
| Tier 1 risk-based capital ratio | 12.1783% | 4,366 |
| Total risk-based capital ratio | 12.7625% | 4,631 |
| Memoranda: | ||
| Average total assets | $75,016,500 | 4,502 |
| Average earning assets | $67,498,500 | 4,520 |
| Average equity | $7,381,000 | 4,702 |
| Average total loans | $53,759,500 | 4,220 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,750 |
| Cost of funding earning assets | 0.3581% | 4,230 |
| Net interest margin | 4.3657% | 1,012 |
| Noninterest income to average assets | 0.7766% | 1,536 |
| Noninterest expense to average assets | 3.2810% | 1,368 |
| Loan and lease loss provision to assets | 0.0955% | 2,247 |
| Net operating income to assets | 0.9431% | 3,277 |
| Return on assets (ROA) | 0.9431% | 3,263 |
| Pretax return on assets | 1.2938% | 2,521 |
| Return on Equity (ROE) | 9.9781% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.9781% | 620 |
| Net charge-offs to loans | -0.0060% | 4,390 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2513% | 2,143 |
| Assets per employee ($millions) | 3.5310% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 4,876 |
| Loan loss allowance to noncurrent loans | 34.5401% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 646 |
| Noncurrent loans to loans | 1.9164% | 716 |
| Net loans and leases to total assets | 71.4448% | 2,360 |
| Net loans and leases to deposits | 79.8893% | 2,966 |
| Net loans and leases to core deposits | 84.9031% | 3,007 |
| Total domestic deposits to total assets | 89.4297% | 692 |
| Equity capital to assets | 9.8151% | 3,846 |
| Core capital (leverage) ratio | 9.9867% | 3,592 |
| Tier 1 risk-based capital ratio | 12.2242% | 4,285 |
| Total risk-based capital ratio | 12.8219% | 4,587 |
| Memoranda: | ||
| Average total assets | $73,271,000 | 4,533 |
| Average earning assets | $65,351,000 | 4,571 |
| Average equity | $6,925,200 | 4,760 |
| Average total loans | $49,715,400 | 4,323 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,772 |
| Cost of funding earning assets | 0.3234% | 4,362 |
| Net interest margin | 4.3452% | 1,022 |
| Noninterest income to average assets | 0.8122% | 1,430 |
| Noninterest expense to average assets | 3.2141% | 1,491 |
| Loan and lease loss provision to assets | 0.1278% | 1,570 |
| Net operating income to assets | 0.9801% | 3,179 |
| Return on assets (ROA) | 0.9801% | 3,188 |
| Pretax return on assets | 1.3451% | 2,448 |
| Return on Equity (ROE) | 10.4721% | 2,401 |
| Retained earnings to average equity (ytd only) | 10.4721% | 772 |
| Net charge-offs to loans | -0.0109% | 4,425 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5748% | 2,427 |
| Assets per employee ($millions) | 3.3506% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 4,892 |
| Loan loss allowance to noncurrent loans | 34.6041% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 669 |
| Noncurrent loans to loans | 1.9897% | 741 |
| Net loans and leases to total assets | 72.5680% | 2,237 |
| Net loans and leases to deposits | 81.3332% | 2,890 |
| Net loans and leases to core deposits | 93.4721% | 2,351 |
| Total domestic deposits to total assets | 89.2230% | 765 |
| Equity capital to assets | 10.0379% | 3,601 |
| Core capital (leverage) ratio | 9.3780% | 4,303 |
| Tier 1 risk-based capital ratio | 12.3161% | 4,310 |
| Total risk-based capital ratio | 12.9347% | 4,569 |
| Memoranda: | ||
| Average total assets | $73,051,000 | 4,589 |
| Average earning assets | $65,143,250 | 4,622 |
| Average equity | $6,837,000 | 4,819 |
| Average total loans | $48,811,750 | 4,383 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 2,080 |
| Cost of funding earning assets | 0.3240% | 4,247 |
| Net interest margin | 4.1792% | 1,334 |
| Noninterest income to average assets | 0.8303% | 1,384 |
| Noninterest expense to average assets | 3.0968% | 1,795 |
| Loan and lease loss provision to assets | 0.1866% | 954 |
| Net operating income to assets | 0.9304% | 3,319 |
| Return on assets (ROA) | 0.9304% | 3,322 |
| Pretax return on assets | 1.2793% | 2,592 |
| Return on Equity (ROE) | 10.1750% | 2,487 |
| Retained earnings to average equity (ytd only) | 10.1750% | 879 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8720% | 2,670 |
| Assets per employee ($millions) | 3.6905% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,633 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 62.0361% | 3,598 |
| Net loans and leases to deposits | 68.5604% | 3,981 |
| Net loans and leases to core deposits | 80.3389% | 3,389 |
| Total domestic deposits to total assets | 90.4839% | 403 |
| Equity capital to assets | 8.9032% | 4,638 |
| Core capital (leverage) ratio | 8.8546% | 4,835 |
| Tier 1 risk-based capital ratio | 12.2319% | 4,355 |
| Total risk-based capital ratio | 12.8562% | 4,616 |
| Memoranda: | ||
| Average total assets | $73,947,000 | 4,625 |
| Average earning assets | $66,040,670 | 4,656 |
| Average equity | $6,761,670 | 4,882 |
| Average total loans | $47,944,000 | 4,441 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 2,017 |
| Cost of funding earning assets | 0.3242% | 4,176 |
| Net interest margin | 4.1279% | 1,372 |
| Noninterest income to average assets | 1.0032% | 905 |
| Noninterest expense to average assets | 3.1758% | 1,622 |
| Loan and lease loss provision to assets | 0.3880% | 295 |
| Net operating income to assets | 0.8037% | 3,684 |
| Return on assets (ROA) | 0.8037% | 3,696 |
| Pretax return on assets | 1.1085% | 3,143 |
| Return on Equity (ROE) | 8.6664% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.6664% | 1,594 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9715% | 2,833 |
| Assets per employee ($millions) | 3.6224% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 5,003 |
| Loan loss allowance to noncurrent loans | 32.7085% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6327% | 823 |
| Noncurrent loans to loans | 2.1815% | 693 |
| Net loans and leases to total assets | 63.8377% | 3,331 |
| Net loans and leases to deposits | 70.4216% | 3,747 |
| Net loans and leases to core deposits | 78.3738% | 3,465 |
| Total domestic deposits to total assets | 90.6508% | 426 |
| Equity capital to assets | 8.8378% | 4,716 |
| Core capital (leverage) ratio | 9.1326% | 4,529 |
| Tier 1 risk-based capital ratio | 12.7470% | 4,094 |
| Total risk-based capital ratio | 13.4192% | 4,347 |
| Memoranda: | ||
| Average total assets | $72,170,500 | 4,705 |
| Average earning assets | $64,149,000 | 4,747 |
| Average equity | $6,692,500 | 4,944 |
| Average total loans | $47,702,500 | 4,493 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 1,881 |
| Cost of funding earning assets | 0.3316% | 3,859 |
| Net interest margin | 4.1177% | 1,379 |
| Noninterest income to average assets | 0.5797% | 2,553 |
| Noninterest expense to average assets | 3.5218% | 997 |
| Loan and lease loss provision to assets | 0.0926% | 2,351 |
| Net operating income to assets | 0.5633% | 4,175 |
| Return on assets (ROA) | 0.5633% | 4,206 |
| Pretax return on assets | 0.6022% | 4,736 |
| Return on Equity (ROE) | 5.8323% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.8323% | 1,638 |
| Net charge-offs to loans | 0.1388% | 1,680 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 3,032 |
| Efficiency ratio | 83.5223% | 810 |
| Assets per employee ($millions) | 3.2510% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6022% | 5,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,249 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.6930% | 2,865 |
| Net loans and leases to deposits | 75.4601% | 3,382 |
| Net loans and leases to core deposits | 81.9397% | 3,248 |
| Total domestic deposits to total assets | 89.7070% | 675 |
| Equity capital to assets | 9.7583% | 3,957 |
| Core capital (leverage) ratio | 9.3204% | 4,263 |
| Tier 1 risk-based capital ratio | 13.4235% | 3,675 |
| Total risk-based capital ratio | 14.0009% | 3,957 |
| Memoranda: | ||
| Average total assets | $66,925,800 | 4,827 |
| Average earning assets | $59,110,400 | 4,877 |
| Average equity | $6,464,000 | 5,031 |
| Average total loans | $44,659,000 | 4,600 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 1,930 |
| Cost of funding earning assets | 0.3353% | 3,812 |
| Net interest margin | 4.0756% | 1,467 |
| Noninterest income to average assets | 0.5807% | 2,578 |
| Noninterest expense to average assets | 3.4980% | 999 |
| Loan and lease loss provision to assets | 0.0761% | 2,552 |
| Net operating income to assets | 0.3784% | 5,046 |
| Return on assets (ROA) | 0.3784% | 5,072 |
| Pretax return on assets | 0.6087% | 4,826 |
| Return on Equity (ROE) | 3.9284% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.9284% | 3,586 |
| Net charge-offs to loans | 0.1870% | 1,119 |
| Credit loss provision to net charge-offs | 61.2903% | 2,792 |
| Earnings coverage of net charge-offs (x) | 5.5165% | 3,096 |
| Efficiency ratio | 83.6285% | 785 |
| Assets per employee ($millions) | 3.2853% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5755% | 5,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 3,436 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.1055% | 3,382 |
| Net loans and leases to deposits | 71.3569% | 3,841 |
| Net loans and leases to core deposits | 75.4882% | 3,843 |
| Total domestic deposits to total assets | 89.8378% | 531 |
| Equity capital to assets | 9.4520% | 4,489 |
| Core capital (leverage) ratio | 9.2375% | 4,481 |
| Tier 1 risk-based capital ratio | 13.2243% | 3,866 |
| Total risk-based capital ratio | 13.7610% | 4,221 |
| Memoranda: | ||
| Average total assets | $66,589,750 | 4,887 |
| Average earning assets | $58,852,500 | 4,936 |
| Average equity | $6,414,500 | 5,094 |
| Average total loans | $44,200,250 | 4,657 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 1,836 |
| Cost of funding earning assets | 0.3293% | 3,803 |
| Net interest margin | 4.0642% | 1,419 |
| Noninterest income to average assets | 0.6262% | 2,340 |
| Noninterest expense to average assets | 3.5294% | 967 |
| Loan and lease loss provision to assets | 0.1034% | 1,961 |
| Net operating income to assets | 0.3648% | 5,056 |
| Return on assets (ROA) | 0.3648% | 5,080 |
| Pretax return on assets | 0.5958% | 4,818 |
| Return on Equity (ROE) | 3.7623% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.7623% | 3,450 |
| Net charge-offs to loans | 0.2811% | 723 |
| Credit loss provision to net charge-offs | 54.8387% | 2,509 |
| Earnings coverage of net charge-offs (x) | 3.7097% | 3,013 |
| Efficiency ratio | 83.4651% | 880 |
| Assets per employee ($millions) | 3.1773% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5702% | 5,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 3,174 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.8603% | 3,127 |
| Net loans and leases to deposits | 73.5501% | 3,592 |
| Net loans and leases to core deposits | 78.0505% | 3,594 |
| Total domestic deposits to total assets | 89.5448% | 716 |
| Equity capital to assets | 9.6938% | 4,231 |
| Core capital (leverage) ratio | 9.2343% | 4,454 |
| Tier 1 risk-based capital ratio | 13.2732% | 3,821 |
| Total risk-based capital ratio | 13.8105% | 4,168 |
| Memoranda: | ||
| Average total assets | $65,789,330 | 4,936 |
| Average earning assets | $58,314,330 | 4,990 |
| Average equity | $6,379,000 | 5,132 |
| Average total loans | $44,106,000 | 4,682 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,010 |
| Cost of funding earning assets | 0.3314% | 3,737 |
| Net interest margin | 3.9489% | 1,611 |
| Noninterest income to average assets | 0.6675% | 2,104 |
| Noninterest expense to average assets | 3.6312% | 855 |
| Loan and lease loss provision to assets | 0.0674% | 2,462 |
| Net operating income to assets | 0.2878% | 5,223 |
| Return on assets (ROA) | 0.2878% | 5,240 |
| Pretax return on assets | 0.4715% | 5,017 |
| Return on Equity (ROE) | 2.9679% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.9679% | 3,926 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0778% | 727 |
| Assets per employee ($millions) | 3.2625% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 5,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 2,929 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.8503% | 3,419 |
| Net loans and leases to deposits | 69.8618% | 3,808 |
| Net loans and leases to core deposits | 73.8252% | 3,851 |
| Total domestic deposits to total assets | 89.9638% | 676 |
| Equity capital to assets | 9.2947% | 4,521 |
| Core capital (leverage) ratio | 9.3099% | 4,329 |
| Tier 1 risk-based capital ratio | 13.3657% | 3,852 |
| Total risk-based capital ratio | 13.9995% | 4,127 |
| Memoranda: | ||
| Average total assets | $65,322,500 | 4,998 |
| Average earning assets | $57,940,000 | 5,049 |
| Average equity | $6,334,500 | 5,188 |
| Average total loans | $44,061,000 | 4,725 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,077 |
| Cost of funding earning assets | 0.3383% | 3,648 |
| Net interest margin | 4.3519% | 848 |
| Noninterest income to average assets | 0.5869% | 2,729 |
| Noninterest expense to average assets | 3.5452% | 1,094 |
| Loan and lease loss provision to assets | 0.0825% | 2,709 |
| Net operating income to assets | 0.5124% | 4,582 |
| Return on assets (ROA) | 0.5124% | 4,664 |
| Pretax return on assets | 0.8153% | 4,143 |
| Return on Equity (ROE) | 5.0363% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.2942% | 4,767 |
| Net charge-offs to loans | 0.5665% | 409 |
| Credit loss provision to net charge-offs | 20.3125% | 3,674 |
| Earnings coverage of net charge-offs (x) | 2.2109% | 3,864 |
| Efficiency ratio | 79.7929% | 1,443 |
| Assets per employee ($millions) | 3.1067% | 5,256 |
| Cash dividends to net income (ytd only)* | 74.3034% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 2,809 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.6061% | 2,220 |
| Net loans and leases to deposits | 80.4553% | 2,841 |
| Net loans and leases to core deposits | 83.8014% | 3,044 |
| Total domestic deposits to total assets | 89.0010% | 1,120 |
| Equity capital to assets | 10.1411% | 3,561 |
| Core capital (leverage) ratio | 9.7068% | 3,851 |
| Tier 1 risk-based capital ratio | 13.1034% | 3,996 |
| Total risk-based capital ratio | 13.6929% | 4,302 |
| Memoranda: | ||
| Average total assets | $63,042,600 | 5,074 |
| Average earning assets | $55,860,400 | 5,129 |
| Average equity | $6,413,400 | 5,206 |
| Average total loans | $45,190,200 | 4,709 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 1,013 |
| Cost of funding earning assets | 0.3348% | 3,720 |
| Net interest margin | 4.3948% | 788 |
| Noninterest income to average assets | 0.6301% | 2,521 |
| Noninterest expense to average assets | 3.4560% | 1,232 |
| Loan and lease loss provision to assets | 0.0759% | 2,705 |
| Net operating income to assets | 0.6259% | 4,180 |
| Return on assets (ROA) | 0.6259% | 4,304 |
| Pretax return on assets | 0.9989% | 3,636 |
| Return on Equity (ROE) | 6.1475% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.1475% | 2,094 |
| Net charge-offs to loans | 0.7565% | 241 |
| Credit loss provision to net charge-offs | 14.0078% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.9844% | 3,632 |
| Efficiency ratio | 76.2791% | 1,937 |
| Assets per employee ($millions) | 3.1731% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 5,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 2,118 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.1305% | 2,785 |
| Net loans and leases to deposits | 76.7893% | 3,309 |
| Net loans and leases to core deposits | 80.3094% | 3,414 |
| Total domestic deposits to total assets | 88.7240% | 1,037 |
| Equity capital to assets | 10.3889% | 3,694 |
| Core capital (leverage) ratio | 10.2776% | 3,247 |
| Tier 1 risk-based capital ratio | 13.5882% | 3,809 |
| Total risk-based capital ratio | 14.1417% | 4,142 |
| Memoranda: | ||
| Average total assets | $63,270,000 | 5,114 |
| Average earning assets | $56,156,250 | 5,167 |
| Average equity | $6,441,500 | 5,255 |
| Average total loans | $45,295,000 | 4,743 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 843 |
| Cost of funding earning assets | 0.3411% | 3,668 |
| Net interest margin | 4.4842% | 636 |
| Noninterest income to average assets | 0.6392% | 2,422 |
| Noninterest expense to average assets | 3.4111% | 1,347 |
| Loan and lease loss provision to assets | 0.0633% | 2,877 |
| Net operating income to assets | 0.7246% | 3,675 |
| Return on assets (ROA) | 0.7246% | 3,831 |
| Pretax return on assets | 1.1581% | 2,948 |
| Return on Equity (ROE) | 7.1663% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.1663% | 1,525 |
| Net charge-offs to loans | 1.0154% | 182 |
| Credit loss provision to net charge-offs | 8.5837% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.6567% | 3,375 |
| Efficiency ratio | 73.6339% | 2,416 |
| Assets per employee ($millions) | 3.1648% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 5,661 |
| Loan loss allowance to noncurrent loans | 32.8883% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1629% | 723 |
| Noncurrent loans to loans | 1.8654% | 1,090 |
| Net loans and leases to total assets | 69.3625% | 2,575 |
| Net loans and leases to deposits | 78.1540% | 3,143 |
| Net loans and leases to core deposits | 81.0796% | 3,358 |
| Total domestic deposits to total assets | 88.7511% | 1,040 |
| Equity capital to assets | 10.3057% | 3,852 |
| Core capital (leverage) ratio | 9.7767% | 3,837 |
| Tier 1 risk-based capital ratio | 12.8888% | 4,264 |
| Total risk-based capital ratio | 13.4460% | 4,625 |
| Memoranda: | ||
| Average total assets | $63,206,000 | 5,166 |
| Average earning assets | $56,287,000 | 5,217 |
| Average equity | $6,391,000 | 5,311 |
| Average total loans | $45,893,670 | 4,774 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 537 |
| Cost of funding earning assets | 0.3337% | 3,787 |
| Net interest margin | 4.7078% | 416 |
| Noninterest income to average assets | 0.6206% | 2,413 |
| Noninterest expense to average assets | 3.6098% | 1,004 |
| Loan and lease loss provision to assets | 0.0253% | 3,340 |
| Net operating income to assets | 0.6776% | 3,835 |
| Return on assets (ROA) | 0.6776% | 3,953 |
| Pretax return on assets | 1.1843% | 2,763 |
| Return on Equity (ROE) | 6.7668% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.7668% | 1,998 |
| Net charge-offs to loans | 1.9934% | 78 |
| Credit loss provision to net charge-offs | 1.7167% | 2,413 |
| Earnings coverage of net charge-offs (x) | 0.8197% | 2,891 |
| Efficiency ratio | 74.9014% | 2,340 |
| Assets per employee ($millions) | 3.2530% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 5,806 |
| Loan loss allowance to noncurrent loans | 24.9267% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.4716% | 606 |
| Noncurrent loans to loans | 2.2471% | 901 |
| Net loans and leases to total assets | 69.5845% | 2,410 |
| Net loans and leases to deposits | 79.9079% | 2,802 |
| Net loans and leases to core deposits | 82.9945% | 3,046 |
| Total domestic deposits to total assets | 87.0810% | 2,171 |
| Equity capital to assets | 9.8203% | 4,313 |
| Core capital (leverage) ratio | 10.0576% | 3,465 |
| Tier 1 risk-based capital ratio | 12.0240% | 4,900 |
| Total risk-based capital ratio | 12.5050% | 5,273 |
| Memoranda: | ||
| Average total assets | $63,161,500 | 5,219 |
| Average earning assets | $56,332,000 | 5,257 |
| Average equity | $6,325,000 | 5,355 |
| Average total loans | $46,753,500 | 4,776 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 794 |
| Cost of funding earning assets | 0.3520% | 3,681 |
| Net interest margin | 4.5343% | 617 |
| Noninterest income to average assets | 0.5976% | 2,726 |
| Noninterest expense to average assets | 3.4463% | 1,395 |
| Loan and lease loss provision to assets | 2.2133% | 28 |
| Net operating income to assets | -0.5796% | 6,059 |
| Return on assets (ROA) | -0.5796% | 6,061 |
| Pretax return on assets | -1.0015% | 6,098 |
| Return on Equity (ROE) | -5.2661% | 6,051 |
| Retained earnings to average equity (ytd only) | -5.2661% | 5,926 |
| Net charge-offs to loans | 1.9332% | 70 |
| Credit loss provision to net charge-offs | 154.9425% | 1,721 |
| Earnings coverage of net charge-offs (x) | 0.8483% | 4,169 |
| Efficiency ratio | 73.9866% | 2,582 |
| Assets per employee ($millions) | 3.2244% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,552 |
| Loan loss allowance to noncurrent loans | 11.7476% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 7.7778% | 83 |
| Noncurrent loans to loans | 8.5867% | 64 |
| Net loans and leases to total assets | 77.5284% | 1,188 |
| Net loans and leases to deposits | 89.6914% | 1,652 |
| Net loans and leases to core deposits | 91.9771% | 2,225 |
| Total domestic deposits to total assets | 86.4390% | 2,415 |
| Equity capital to assets | 10.2197% | 3,718 |
| Core capital (leverage) ratio | 10.0969% | 3,386 |
| Tier 1 risk-based capital ratio | 11.8854% | 5,023 |
| Total risk-based capital ratio | 12.8042% | 5,125 |
| Memoranda: | ||
| Average total assets | $60,905,800 | 5,303 |
| Average earning assets | $54,540,200 | 5,331 |
| Average equity | $6,703,200 | 5,296 |
| Average total loans | $45,002,800 | 4,832 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 850 |
| Cost of funding earning assets | 0.3547% | 3,697 |
| Net interest margin | 4.4983% | 653 |
| Noninterest income to average assets | 0.6972% | 2,233 |
| Noninterest expense to average assets | 3.3609% | 1,558 |
| Loan and lease loss provision to assets | 0.0789% | 2,595 |
| Net operating income to assets | 0.8112% | 3,380 |
| Return on assets (ROA) | 0.8112% | 3,474 |
| Pretax return on assets | 1.2891% | 2,433 |
| Return on Equity (ROE) | 7.2401% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.2401% | 1,581 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0709% | 3,031 |
| Assets per employee ($millions) | 3.2529% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0899% | 6,200 |
| Loan loss allowance to noncurrent loans | 7.4205% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.2813% | 809 |
| Noncurrent loans to loans | 1.2121% | 2,108 |
| Net loans and leases to total assets | 75.4846% | 1,462 |
| Net loans and leases to deposits | 86.3148% | 2,113 |
| Net loans and leases to core deposits | 88.6032% | 2,601 |
| Total domestic deposits to total assets | 87.4527% | 1,822 |
| Equity capital to assets | 11.3387% | 2,658 |
| Core capital (leverage) ratio | 11.3228% | 2,170 |
| Tier 1 risk-based capital ratio | 13.7652% | 3,985 |
| Total risk-based capital ratio | 13.8477% | 4,588 |
| Memoranda: | ||
| Average total assets | $60,816,250 | 5,373 |
| Average earning assets | $54,508,750 | 5,397 |
| Average equity | $6,813,750 | 5,343 |
| Average total loans | $44,258,250 | 4,905 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 983 |
| Cost of funding earning assets | 0.3726% | 3,575 |
| Net interest margin | 4.3793% | 787 |
| Noninterest income to average assets | 0.7208% | 2,129 |
| Noninterest expense to average assets | 3.3330% | 1,623 |
| Loan and lease loss provision to assets | 0.0595% | 2,910 |
| Net operating income to assets | 0.7903% | 3,435 |
| Return on assets (ROA) | 0.7903% | 3,532 |
| Pretax return on assets | 1.2532% | 2,538 |
| Return on Equity (ROE) | 7.0825% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.0825% | 1,663 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7438% | 3,034 |
| Assets per employee ($millions) | 3.4432% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0535% | 6,279 |
| Loan loss allowance to noncurrent loans | 4.2403% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 2.2750% | 897 |
| Noncurrent loans to loans | 1.2626% | 2,135 |
| Net loans and leases to total assets | 72.2913% | 1,933 |
| Net loans and leases to deposits | 82.4573% | 2,498 |
| Net loans and leases to core deposits | 84.8223% | 2,903 |
| Total domestic deposits to total assets | 87.6712% | 1,802 |
| Equity capital to assets | 11.0735% | 2,816 |
| Core capital (leverage) ratio | 10.9570% | 2,473 |
| Tier 1 risk-based capital ratio | 110.2136% | 43 |
| Total risk-based capital ratio | 110.5990% | 43 |
| Memoranda: | ||
| Average total assets | $60,486,330 | 5,437 |
| Average earning assets | $54,209,000 | 5,456 |
| Average equity | $6,749,000 | 5,400 |
| Average total loans | $43,445,670 | 4,972 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 1,038 |
| Cost of funding earning assets | 0.3747% | 3,595 |
| Net interest margin | 4.3237% | 836 |
| Noninterest income to average assets | 0.6495% | 2,402 |
| Noninterest expense to average assets | 3.2741% | 1,781 |
| Loan and lease loss provision to assets | 0.0603% | 2,725 |
| Net operating income to assets | 0.7432% | 3,579 |
| Return on assets (ROA) | 0.7432% | 3,705 |
| Pretax return on assets | 1.1784% | 2,745 |
| Return on Equity (ROE) | 6.6348% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.6348% | 2,173 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5519% | 3,078 |
| Assets per employee ($millions) | 3.6814% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0352% | 6,356 |
| Loan loss allowance to noncurrent loans | 2.6455% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.2546% | 1,007 |
| Noncurrent loans to loans | 1.3287% | 2,167 |
| Net loans and leases to total assets | 68.1596% | 2,410 |
| Net loans and leases to deposits | 77.5525% | 2,868 |
| Net loans and leases to core deposits | 78.8936% | 3,289 |
| Total domestic deposits to total assets | 87.8883% | 1,886 |
| Equity capital to assets | 10.7935% | 3,200 |
| Core capital (leverage) ratio | 11.0482% | 2,364 |
| Tier 1 risk-based capital ratio | 187.5347% | 34 |
| Total risk-based capital ratio | 187.9511% | 34 |
| Memoranda: | ||
| Average total assets | $59,741,000 | 5,507 |
| Average earning assets | $53,380,000 | 5,531 |
| Average equity | $6,692,000 | 5,465 |
| Average total loans | $42,754,500 | 5,034 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 893 |
| Cost of funding earning assets | 0.3487% | 4,266 |
| Net interest margin | 4.5698% | 656 |
| Noninterest income to average assets | 1.2084% | 817 |
| Noninterest expense to average assets | 3.3693% | 1,761 |
| Loan and lease loss provision to assets | 0.0761% | 2,953 |
| Net operating income to assets | 1.7443% | 525 |
| Return on assets (ROA) | 1.7443% | 537 |
| Pretax return on assets | 1.8860% | 664 |
| Return on Equity (ROE) | 16.4241% | 563 |
| Retained earnings to average equity (ytd only) | 2.1812% | 4,689 |
| Net charge-offs to loans | 0.1220% | 2,808 |
| Credit loss provision to net charge-offs | 84.6154% | 2,772 |
| Earnings coverage of net charge-offs (x) | 21.8269% | 1,659 |
| Efficiency ratio | 63.1971% | 4,724 |
| Assets per employee ($millions) | 2.9946% | 5,705 |
| Cash dividends to net income (ytd only)* | 86.7195% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0140% | 6,449 |
| Loan loss allowance to noncurrent loans | 0.9434% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 1,036 |
| Noncurrent loans to loans | 1.4847% | 1,975 |
| Net loans and leases to total assets | 75.2768% | 1,368 |
| Net loans and leases to deposits | 86.5885% | 1,903 |
| Net loans and leases to core deposits | 88.1097% | 2,486 |
| Total domestic deposits to total assets | 86.9363% | 2,318 |
| Equity capital to assets | 11.6507% | 2,302 |
| Core capital (leverage) ratio | 11.2857% | 2,150 |
| Tier 1 risk-based capital ratio | 15.1189% | 3,426 |
| Total risk-based capital ratio | 15.1326% | 4,121 |
| Memoranda: | ||
| Average total assets | $57,846,600 | 5,604 |
| Average earning assets | $52,191,000 | 5,615 |
| Average equity | $6,143,400 | 5,586 |
| Average total loans | $42,622,600 | 5,085 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 885 |
| Cost of funding earning assets | 0.3325% | 4,539 |
| Net interest margin | 4.5915% | 627 |
| Noninterest income to average assets | 1.4622% | 585 |
| Noninterest expense to average assets | 3.2412% | 2,050 |
| Loan and lease loss provision to assets | 0.0872% | 2,608 |
| Net operating income to assets | 2.2289% | 225 |
| Return on assets (ROA) | 2.2289% | 231 |
| Pretax return on assets | 2.2863% | 307 |
| Return on Equity (ROE) | 21.4983% | 210 |
| Retained earnings to average equity (ytd only) | 3.0111% | 4,469 |
| Net charge-offs to loans | 0.1629% | 2,170 |
| Credit loss provision to net charge-offs | 73.0769% | 2,711 |
| Earnings coverage of net charge-offs (x) | 19.8850% | 1,766 |
| Efficiency ratio | 57.7269% | 5,481 |
| Assets per employee ($millions) | 3.0963% | 5,599 |
| Cash dividends to net income (ytd only)* | 85.9945% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1984% | 2,562 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.2110% | 1,809 |
| Net loans and leases to deposits | 82.6623% | 2,342 |
| Net loans and leases to core deposits | 84.3262% | 2,845 |
| Total domestic deposits to total assets | 87.3566% | 2,119 |
| Equity capital to assets | 11.2496% | 2,704 |
| Core capital (leverage) ratio | 11.2594% | 2,251 |
| Tier 1 risk-based capital ratio | 15.0058% | 3,584 |
| Total risk-based capital ratio | 15.0058% | 4,317 |
| Memoranda: | ||
| Average total assets | $58,083,750 | 5,661 |
| Average earning assets | $52,530,750 | 5,668 |
| Average equity | $6,022,000 | 5,676 |
| Average total loans | $42,569,000 | 5,139 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 834 |
| Cost of funding earning assets | 0.3350% | 4,586 |
| Net interest margin | 4.6060% | 575 |
| Noninterest income to average assets | 0.7712% | 1,956 |
| Noninterest expense to average assets | 3.3094% | 1,901 |
| Loan and lease loss provision to assets | 0.1314% | 1,884 |
| Net operating income to assets | 1.4455% | 970 |
| Return on assets (ROA) | 1.4455% | 1,012 |
| Pretax return on assets | 1.5146% | 1,496 |
| Return on Equity (ROE) | 14.3560% | 894 |
| Retained earnings to average equity (ytd only) | -2.3011% | 6,030 |
| Net charge-offs to loans | 0.2488% | 1,565 |
| Credit loss provision to net charge-offs | 71.6981% | 2,439 |
| Earnings coverage of net charge-offs (x) | 8.9811% | 2,415 |
| Efficiency ratio | 66.7830% | 4,230 |
| Assets per employee ($millions) | 3.0722% | 5,646 |
| Cash dividends to net income (ytd only)* | 116.0287% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 6,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 2,673 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.5292% | 1,823 |
| Net loans and leases to deposits | 79.6524% | 2,567 |
| Net loans and leases to core deposits | 81.7580% | 3,002 |
| Total domestic deposits to total assets | 89.8016% | 906 |
| Equity capital to assets | 10.0305% | 4,063 |
| Core capital (leverage) ratio | 10.0116% | 3,591 |
| Tier 1 risk-based capital ratio | 13.5905% | 4,536 |
| Total risk-based capital ratio | 14.3278% | 4,799 |
| Memoranda: | ||
| Average total assets | $57,835,330 | 5,715 |
| Average earning assets | $52,540,000 | 5,716 |
| Average equity | $5,823,330 | 5,754 |
| Average total loans | $42,598,330 | 5,177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 667 |
| Cost of funding earning assets | 0.3290% | 4,747 |
| Net interest margin | 4.7138% | 454 |
| Noninterest income to average assets | 0.6532% | 2,444 |
| Noninterest expense to average assets | 3.3352% | 1,863 |
| Loan and lease loss provision to assets | 0.1598% | 1,525 |
| Net operating income to assets | 1.4383% | 919 |
| Return on assets (ROA) | 1.4383% | 954 |
| Pretax return on assets | 1.4383% | 1,611 |
| Return on Equity (ROE) | 14.2574% | 897 |
| Retained earnings to average equity (ytd only) | -11.9156% | 6,417 |
| Net charge-offs to loans | 0.5039% | 730 |
| Credit loss provision to net charge-offs | 42.5926% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.2593% | 2,551 |
| Efficiency ratio | 67.6056% | 4,249 |
| Assets per employee ($millions) | 3.1444% | 5,609 |
| Cash dividends to net income (ytd only)* | 183.5749% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 6,257 |
| Loan loss allowance to noncurrent loans | 559.2593% | 850 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 2,407 |
| Noncurrent loans to loans | 0.1284% | 5,721 |
| Net loans and leases to total assets | 69.8643% | 1,913 |
| Net loans and leases to deposits | 77.4106% | 2,637 |
| Net loans and leases to core deposits | 79.3381% | 3,057 |
| Total domestic deposits to total assets | 90.2516% | 938 |
| Equity capital to assets | 9.5877% | 4,374 |
| Core capital (leverage) ratio | 9.9158% | 3,686 |
| Tier 1 risk-based capital ratio | 13.1227% | 4,941 |
| Total risk-based capital ratio | 13.8112% | 5,216 |
| Memoranda: | ||
| Average total assets | $57,567,000 | 5,778 |
| Average earning assets | $52,272,500 | 5,781 |
| Average equity | $5,807,500 | 5,799 |
| Average total loans | $42,862,000 | 5,208 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 971 |
| Cost of funding earning assets | 0.3684% | 4,972 |
| Net interest margin | 4.6018% | 610 |
| Noninterest income to average assets | 0.6742% | 2,678 |
| Noninterest expense to average assets | 3.2838% | 2,187 |
| Loan and lease loss provision to assets | 0.0197% | 4,745 |
| Net operating income to assets | 1.6016% | 690 |
| Return on assets (ROA) | 1.6016% | 708 |
| Pretax return on assets | 1.6016% | 1,163 |
| Return on Equity (ROE) | 16.2920% | 588 |
| Retained earnings to average equity (ytd only) | -0.6523% | 6,000 |
| Net charge-offs to loans | 0.0685% | 4,253 |
| Credit loss provision to net charge-offs | 40.0000% | 4,047 |
| Earnings coverage of net charge-offs (x) | 32.8667% | 1,094 |
| Efficiency ratio | 66.9460% | 4,379 |
| Assets per employee ($millions) | 2.9153% | 5,962 |
| Cash dividends to net income (ytd only)* | 104.0041% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 6,248 |
| Loan loss allowance to noncurrent loans | 90.2439% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 2,340 |
| Noncurrent loans to loans | 0.8447% | 3,868 |
| Net loans and leases to total assets | 78.2618% | 793 |
| Net loans and leases to deposits | 87.7406% | 1,495 |
| Net loans and leases to core deposits | 89.6643% | 2,060 |
| Total domestic deposits to total assets | 89.1968% | 1,490 |
| Equity capital to assets | 10.6281% | 3,006 |
| Core capital (leverage) ratio | 10.2364% | 3,241 |
| Tier 1 risk-based capital ratio | 13.5463% | 4,619 |
| Total risk-based capital ratio | 14.3073% | 4,884 |
| Memoranda: | ||
| Average total assets | $60,812,800 | 5,735 |
| Average earning assets | $55,912,400 | 5,706 |
| Average equity | $5,978,400 | 5,828 |
| Average total loans | $43,819,600 | 5,199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 1,148 |
| Cost of funding earning assets | 0.3726% | 5,073 |
| Net interest margin | 4.5159% | 716 |
| Noninterest income to average assets | 0.6863% | 2,688 |
| Noninterest expense to average assets | 3.0133% | 2,948 |
| Loan and lease loss provision to assets | 0.0257% | 4,494 |
| Net operating income to assets | 1.8058% | 519 |
| Return on assets (ROA) | 1.8058% | 542 |
| Pretax return on assets | 1.8058% | 894 |
| Return on Equity (ROE) | 18.7068% | 387 |
| Retained earnings to average equity (ytd only) | -0.2000% | 5,977 |
| Net charge-offs to loans | 0.0730% | 3,899 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 35.5825% | 1,093 |
| Efficiency ratio | 62.1957% | 5,105 |
| Assets per employee ($millions) | 3.0668% | 5,742 |
| Cash dividends to net income (ytd only)* | 101.0689% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 6,340 |
| Loan loss allowance to noncurrent loans | 100.8929% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4158% | 2,835 |
| Noncurrent loans to loans | 0.7591% | 4,332 |
| Net loans and leases to total assets | 75.3797% | 1,087 |
| Net loans and leases to deposits | 84.0825% | 1,868 |
| Net loans and leases to core deposits | 85.8223% | 2,429 |
| Total domestic deposits to total assets | 89.6497% | 1,196 |
| Equity capital to assets | 10.1563% | 3,691 |
| Core capital (leverage) ratio | 10.0640% | 3,577 |
| Tier 1 risk-based capital ratio | 13.4986% | 4,759 |
| Total risk-based capital ratio | 14.2666% | 5,063 |
| Memoranda: | ||
| Average total assets | $62,168,250 | 5,760 |
| Average earning assets | $57,248,500 | 5,738 |
| Average equity | $6,001,250 | 5,893 |
| Average total loans | $43,853,750 | 5,248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 1,305 |
| Cost of funding earning assets | 0.3862% | 5,069 |
| Net interest margin | 4.4257% | 811 |
| Noninterest income to average assets | 0.6996% | 2,642 |
| Noninterest expense to average assets | 2.9022% | 3,325 |
| Loan and lease loss provision to assets | 0.0378% | 4,193 |
| Net operating income to assets | 1.8403% | 474 |
| Return on assets (ROA) | 1.8403% | 508 |
| Pretax return on assets | 1.8403% | 841 |
| Return on Equity (ROE) | 19.3730% | 355 |
| Retained earnings to average equity (ytd only) | 7.0990% | 1,848 |
| Net charge-offs to loans | 0.0503% | 3,969 |
| Credit loss provision to net charge-offs | 109.0909% | 2,027 |
| Earnings coverage of net charge-offs (x) | 54.1818% | 756 |
| Efficiency ratio | 60.7119% | 5,380 |
| Assets per employee ($millions) | 3.2605% | 5,351 |
| Cash dividends to net income (ytd only)* | 63.3562% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 6,373 |
| Loan loss allowance to noncurrent loans | 126.1649% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 3,429 |
| Noncurrent loans to loans | 0.6263% | 4,687 |
| Net loans and leases to total assets | 71.3349% | 1,669 |
| Net loans and leases to deposits | 80.7676% | 2,214 |
| Net loans and leases to core deposits | 83.6827% | 2,601 |
| Total domestic deposits to total assets | 88.3212% | 2,029 |
| Equity capital to assets | 9.9322% | 3,996 |
| Core capital (leverage) ratio | 9.7409% | 3,881 |
| Tier 1 risk-based capital ratio | 13.8836% | 4,507 |
| Total risk-based capital ratio | 14.6743% | 4,776 |
| Memoranda: | ||
| Average total assets | $63,468,000 | 5,762 |
| Average earning assets | $58,522,330 | 5,741 |
| Average equity | $6,029,000 | 5,928 |
| Average total loans | $43,717,670 | 5,274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 1,364 |
| Cost of funding earning assets | 0.3925% | 5,180 |
| Net interest margin | 4.3721% | 843 |
| Noninterest income to average assets | 0.7100% | 2,539 |
| Noninterest expense to average assets | 2.8711% | 3,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8621% | 429 |
| Return on assets (ROA) | 1.8621% | 469 |
| Pretax return on assets | 1.8621% | 787 |
| Return on Equity (ROE) | 20.0436% | 291 |
| Retained earnings to average equity (ytd only) | -2.4133% | 6,130 |
| Net charge-offs to loans | -0.0092% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6579% | 5,496 |
| Assets per employee ($millions) | 3.3826% | 5,249 |
| Cash dividends to net income (ytd only)* | 112.0401% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 6,431 |
| Loan loss allowance to noncurrent loans | 75.8621% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 3,268 |
| Noncurrent loans to loans | 1.0764% | 3,998 |
| Net loans and leases to total assets | 66.5266% | 2,277 |
| Net loans and leases to deposits | 75.0737% | 2,763 |
| Net loans and leases to core deposits | 77.6732% | 3,119 |
| Total domestic deposits to total assets | 88.6150% | 1,923 |
| Equity capital to assets | 9.2502% | 5,198 |
| Core capital (leverage) ratio | 9.1481% | 4,641 |
| Tier 1 risk-based capital ratio | 13.5117% | 4,864 |
| Total risk-based capital ratio | 14.3137% | 5,124 |
| Memoranda: | ||
| Average total assets | $64,227,000 | 5,796 |
| Average earning assets | $59,102,000 | 5,777 |
| Average equity | $5,967,000 | 5,995 |
| Average total loans | $43,304,500 | 5,328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 1,368 |
| Cost of funding earning assets | 0.5164% | 5,102 |
| Net interest margin | 4.5575% | 845 |
| Noninterest income to average assets | 0.6524% | 2,980 |
| Noninterest expense to average assets | 3.3059% | 2,316 |
| Loan and lease loss provision to assets | 0.0603% | 5,025 |
| Net operating income to assets | 1.4890% | 933 |
| Return on assets (ROA) | 1.4890% | 1,030 |
| Pretax return on assets | 1.4890% | 1,707 |
| Return on Equity (ROE) | 15.7991% | 685 |
| Retained earnings to average equity (ytd only) | 8.3408% | 1,015 |
| Net charge-offs to loans | 0.0045% | 5,912 |
| Credit loss provision to net charge-offs | 1,850.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 86 |
| Efficiency ratio | 68.0887% | 4,127 |
| Assets per employee ($millions) | 3.2093% | 5,601 |
| Cash dividends to net income (ytd only)* | 47.2070% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 6,476 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 3,901 |
| Noncurrent loans to loans | 0.4483% | 5,385 |
| Net loans and leases to total assets | 67.2275% | 2,331 |
| Net loans and leases to deposits | 75.5665% | 2,872 |
| Net loans and leases to core deposits | 79.1540% | 3,126 |
| Total domestic deposits to total assets | 88.9647% | 1,585 |
| Equity capital to assets | 9.3308% | 5,105 |
| Core capital (leverage) ratio | 9.6657% | 3,869 |
| Tier 1 risk-based capital ratio | 13.6133% | 4,663 |
| Total risk-based capital ratio | 14.4141% | 4,931 |
| Memoranda: | ||
| Average total assets | $61,314,600 | 5,889 |
| Average earning assets | $56,543,800 | 5,847 |
| Average equity | $5,778,800 | 6,084 |
| Average total loans | $44,212,000 | 5,319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 1,286 |
| Cost of funding earning assets | 0.5458% | 5,122 |
| Net interest margin | 4.6092% | 801 |
| Noninterest income to average assets | 0.6359% | 3,071 |
| Noninterest expense to average assets | 3.1288% | 2,798 |
| Loan and lease loss provision to assets | 0.0814% | 4,614 |
| Net operating income to assets | 1.6810% | 717 |
| Return on assets (ROA) | 1.6810% | 796 |
| Pretax return on assets | 1.6810% | 1,324 |
| Return on Equity (ROE) | 17.7890% | 526 |
| Retained earnings to average equity (ytd only) | 11.4791% | 617 |
| Net charge-offs to loans | 0.0120% | 5,539 |
| Credit loss provision to net charge-offs | 925.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 200.3696% | 226 |
| Efficiency ratio | 63.9676% | 4,806 |
| Assets per employee ($millions) | 3.0642% | 5,941 |
| Cash dividends to net income (ytd only)* | 35.4708% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 6,576 |
| Loan loss allowance to noncurrent loans | 327.1028% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 4,573 |
| Noncurrent loans to loans | 0.2480% | 5,991 |
| Net loans and leases to total assets | 69.8323% | 1,938 |
| Net loans and leases to deposits | 78.9798% | 2,536 |
| Net loans and leases to core deposits | 82.9412% | 2,835 |
| Total domestic deposits to total assets | 88.4179% | 1,780 |
| Equity capital to assets | 9.7937% | 4,791 |
| Core capital (leverage) ratio | 9.7170% | 3,928 |
| Tier 1 risk-based capital ratio | 13.8501% | 4,648 |
| Total risk-based capital ratio | 14.6611% | 4,898 |
| Memoranda: | ||
| Average total assets | $60,597,000 | 5,975 |
| Average earning assets | $55,944,750 | 5,935 |
| Average equity | $5,726,250 | 6,164 |
| Average total loans | $44,389,750 | 5,379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2698% | 1,106 |
| Cost of funding earning assets | 0.5815% | 5,060 |
| Net interest margin | 4.6883% | 688 |
| Noninterest income to average assets | 0.5367% | 3,671 |
| Noninterest expense to average assets | 3.0877% | 2,963 |
| Loan and lease loss provision to assets | 0.1226% | 3,991 |
| Net operating income to assets | 1.6532% | 745 |
| Return on assets (ROA) | 1.6532% | 830 |
| Pretax return on assets | 1.6532% | 1,388 |
| Return on Equity (ROE) | 17.7128% | 537 |
| Retained earnings to average equity (ytd only) | 12.2109% | 549 |
| Net charge-offs to loans | 0.0179% | 5,165 |
| Credit loss provision to net charge-offs | 925.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 333 |
| Efficiency ratio | 63.4877% | 4,987 |
| Assets per employee ($millions) | 3.0044% | 6,061 |
| Cash dividends to net income (ytd only)* | 31.0621% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 6,645 |
| Loan loss allowance to noncurrent loans | 4,375.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 5,075 |
| Noncurrent loans to loans | 0.0186% | 6,643 |
| Net loans and leases to total assets | 67.6382% | 2,335 |
| Net loans and leases to deposits | 77.3532% | 2,777 |
| Net loans and leases to core deposits | 81.3694% | 3,040 |
| Total domestic deposits to total assets | 87.4408% | 2,505 |
| Equity capital to assets | 9.2578% | 5,383 |
| Core capital (leverage) ratio | 9.4156% | 4,275 |
| Tier 1 risk-based capital ratio | 13.2734% | 4,981 |
| Total risk-based capital ratio | 14.0704% | 5,295 |
| Memoranda: | ||
| Average total assets | $60,368,000 | 6,017 |
| Average earning assets | $55,713,330 | 5,974 |
| Average equity | $5,634,330 | 6,206 |
| Average total loans | $44,804,330 | 5,388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 870 |
| Cost of funding earning assets | 0.6043% | 5,091 |
| Net interest margin | 4.8270% | 533 |
| Noninterest income to average assets | 0.2305% | 5,976 |
| Noninterest expense to average assets | 3.0302% | 3,152 |
| Loan and lease loss provision to assets | 0.2508% | 2,454 |
| Net operating income to assets | 1.3897% | 1,241 |
| Return on assets (ROA) | 1.3897% | 1,388 |
| Pretax return on assets | 1.3897% | 2,220 |
| Return on Equity (ROE) | 14.8255% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.1472% | 2,874 |
| Net charge-offs to loans | 0.0350% | 4,202 |
| Credit loss provision to net charge-offs | 925.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 548 |
| Efficiency ratio | 64.8766% | 4,764 |
| Assets per employee ($millions) | 3.0713% | 6,017 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 6,775 |
| Loan loss allowance to noncurrent loans | 830.9524% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,048 |
| Noncurrent loans to loans | 0.0937% | 6,525 |
| Net loans and leases to total assets | 72.3696% | 1,336 |
| Net loans and leases to deposits | 82.7464% | 1,827 |
| Net loans and leases to core deposits | 87.1645% | 2,155 |
| Total domestic deposits to total assets | 87.4595% | 2,681 |
| Equity capital to assets | 9.0745% | 5,395 |
| Core capital (leverage) ratio | 9.3767% | 4,228 |
| Tier 1 risk-based capital ratio | 12.7184% | 5,427 |
| Total risk-based capital ratio | 13.5154% | 5,751 |
| Memoranda: | ||
| Average total assets | $59,005,500 | 6,095 |
| Average earning assets | $54,277,500 | 6,056 |
| Average equity | $5,531,000 | 6,265 |
| Average total loans | $45,694,000 | 5,387 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 910 |
| Cost of funding earning assets | 0.7432% | 5,256 |
| Net interest margin | 4.8818% | 530 |
| Noninterest income to average assets | 0.7258% | 2,469 |
| Noninterest expense to average assets | 3.4932% | 1,995 |
| Loan and lease loss provision to assets | 0.4509% | 2,347 |
| Net operating income to assets | 1.2481% | 1,385 |
| Return on assets (ROA) | 1.2481% | 1,484 |
| Pretax return on assets | 1.2481% | 2,303 |
| Return on Equity (ROE) | 12.5474% | 1,268 |
| Retained earnings to average equity (ytd only) | 1.4003% | 5,195 |
| Net charge-offs to loans | 0.7168% | 2,366 |
| Credit loss provision to net charge-offs | 80.9211% | 4,408 |
| Earnings coverage of net charge-offs (x) | 3.0493% | 3,683 |
| Efficiency ratio | 67.2785% | 4,525 |
| Assets per employee ($millions) | 2.8293% | 6,409 |
| Cash dividends to net income (ytd only)* | 88.8399% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 6,936 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 4,683 |
| Noncurrent loans to loans | 0.0258% | 6,761 |
| Net loans and leases to total assets | 81.7693% | 353 |
| Net loans and leases to deposits | 94.4305% | 784 |
| Net loans and leases to core deposits | 98.5370% | 1,298 |
| Total domestic deposits to total assets | 86.5921% | 2,980 |
| Equity capital to assets | 9.6985% | 4,594 |
| Core capital (leverage) ratio | 9.5746% | 3,910 |
| Tier 1 risk-based capital ratio | 12.4790% | 5,467 |
| Total risk-based capital ratio | 13.1979% | 5,840 |
| Memoranda: | ||
| Average total assets | $54,563,000 | 6,211 |
| Average earning assets | $49,919,800 | 6,194 |
| Average equity | $5,427,400 | 6,314 |
| Average total loans | $42,411,400 | 5,587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 1,195 |
| Cost of funding earning assets | 0.7578% | 5,419 |
| Net interest margin | 4.7677% | 668 |
| Noninterest income to average assets | 0.7301% | 2,414 |
| Noninterest expense to average assets | 3.4432% | 2,095 |
| Loan and lease loss provision to assets | 0.3700% | 2,635 |
| Net operating income to assets | 1.2776% | 1,436 |
| Return on assets (ROA) | 1.2776% | 1,538 |
| Pretax return on assets | 1.2776% | 2,367 |
| Return on Equity (ROE) | 12.7609% | 1,343 |
| Retained earnings to average equity (ytd only) | 1.5520% | 5,360 |
| Net charge-offs to loans | 0.3352% | 3,416 |
| Credit loss provision to net charge-offs | 144.2308% | 2,203 |
| Earnings coverage of net charge-offs (x) | 6.4232% | 2,554 |
| Efficiency ratio | 67.6357% | 4,394 |
| Assets per employee ($millions) | 2.8727% | 6,367 |
| Cash dividends to net income (ytd only)* | 87.8375% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 6,487 |
| Loan loss allowance to noncurrent loans | 69.0789% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6379% | 3,629 |
| Noncurrent loans to loans | 1.3590% | 4,269 |
| Net loans and leases to total assets | 77.1396% | 821 |
| Net loans and leases to deposits | 88.8869% | 1,332 |
| Net loans and leases to core deposits | 92.6827% | 1,917 |
| Total domestic deposits to total assets | 86.7840% | 2,783 |
| Equity capital to assets | 9.5504% | 5,010 |
| Core capital (leverage) ratio | 9.7490% | 3,777 |
| Tier 1 risk-based capital ratio | 12.7365% | 5,302 |
| Total risk-based capital ratio | 13.7139% | 5,516 |
| Memoranda: | ||
| Average total assets | $54,057,250 | 6,279 |
| Average earning assets | $49,442,250 | 6,268 |
| Average equity | $5,412,250 | 6,365 |
| Average total loans | $41,367,750 | 5,674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 1,440 |
| Cost of funding earning assets | 0.7952% | 5,406 |
| Net interest margin | 4.6467% | 826 |
| Noninterest income to average assets | 0.7369% | 2,337 |
| Noninterest expense to average assets | 3.5333% | 1,903 |
| Loan and lease loss provision to assets | 0.1134% | 4,876 |
| Net operating income to assets | 1.3302% | 1,245 |
| Return on assets (ROA) | 1.3302% | 1,324 |
| Pretax return on assets | 1.3302% | 2,041 |
| Return on Equity (ROE) | 13.0677% | 1,185 |
| Retained earnings to average equity (ytd only) | -1.5963% | 6,174 |
| Net charge-offs to loans | 0.0298% | 5,422 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 517 |
| Efficiency ratio | 70.9947% | 3,932 |
| Assets per employee ($millions) | 2.7618% | 6,536 |
| Cash dividends to net income (ytd only)* | 112.2159% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 6,626 |
| Loan loss allowance to noncurrent loans | 51.6213% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.9625% | 3,284 |
| Noncurrent loans to loans | 1.7659% | 3,800 |
| Net loans and leases to total assets | 78.3221% | 735 |
| Net loans and leases to deposits | 90.5935% | 1,215 |
| Net loans and leases to core deposits | 91.4649% | 2,203 |
| Total domestic deposits to total assets | 86.4545% | 3,069 |
| Equity capital to assets | 9.7491% | 4,463 |
| Core capital (leverage) ratio | 9.9614% | 3,310 |
| Tier 1 risk-based capital ratio | 12.9480% | 4,955 |
| Total risk-based capital ratio | 13.9081% | 5,184 |
| Memoranda: | ||
| Average total assets | $52,925,330 | 6,369 |
| Average earning assets | $48,292,670 | 6,358 |
| Average equity | $5,387,330 | 6,414 |
| Average total loans | $40,244,000 | 5,789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 1,266 |
| Cost of funding earning assets | 0.8575% | 5,231 |
| Net interest margin | 4.6526% | 777 |
| Noninterest income to average assets | 0.7186% | 2,463 |
| Noninterest expense to average assets | 3.6160% | 1,734 |
| Loan and lease loss provision to assets | 0.1159% | 4,563 |
| Net operating income to assets | 1.2208% | 1,477 |
| Return on assets (ROA) | 1.2208% | 1,531 |
| Pretax return on assets | 1.2208% | 2,306 |
| Return on Equity (ROE) | 11.7287% | 1,537 |
| Retained earnings to average equity (ytd only) | -4.6024% | 6,482 |
| Net charge-offs to loans | 0.0519% | 4,417 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 750 |
| Efficiency ratio | 73.0109% | 3,681 |
| Assets per employee ($millions) | 2.6592% | 6,756 |
| Cash dividends to net income (ytd only)* | 139.2405% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,350 |
| Loan loss allowance to noncurrent loans | 50.1305% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 3,129 |
| Noncurrent loans to loans | 2.0183% | 3,549 |
| Net loans and leases to total assets | 70.6391% | 1,998 |
| Net loans and leases to deposits | 78.6913% | 2,942 |
| Net loans and leases to core deposits | 79.4468% | 3,829 |
| Total domestic deposits to total assets | 89.7674% | 1,311 |
| Equity capital to assets | 10.0671% | 3,693 |
| Core capital (leverage) ratio | 10.1221% | 3,002 |
| Tier 1 risk-based capital ratio | 14.6216% | 3,664 |
| Total risk-based capital ratio | 15.6715% | 3,752 |
| Memoranda: | ||
| Average total assets | $51,770,000 | 6,467 |
| Average earning assets | $47,113,500 | 6,445 |
| Average equity | $5,388,500 | 6,421 |
| Average total loans | $38,536,000 | 5,915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7621% | 1,374 |
| Cost of funding earning assets | 1.1400% | 4,912 |
| Net interest margin | 4.6220% | 964 |
| Noninterest income to average assets | 0.7162% | 2,747 |
| Noninterest expense to average assets | 3.6311% | 1,846 |
| Loan and lease loss provision to assets | 0.3792% | 3,843 |
| Net operating income to assets | 0.9027% | 2,372 |
| Return on assets (ROA) | 0.9027% | 2,512 |
| Pretax return on assets | 0.9027% | 3,283 |
| Return on Equity (ROE) | 8.5629% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.6050% | 2,659 |
| Net charge-offs to loans | 0.0695% | 6,107 |
| Credit loss provision to net charge-offs | 726.9231% | 297 |
| Earnings coverage of net charge-offs (x) | 24.5769% | 861 |
| Efficiency ratio | 73.9077% | 3,414 |
| Assets per employee ($millions) | 2.3980% | 7,135 |
| Cash dividends to net income (ytd only)* | 46.2222% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 6,551 |
| Loan loss allowance to noncurrent loans | 51.3032% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.1983% | 3,101 |
| Noncurrent loans to loans | 1.8635% | 3,736 |
| Net loans and leases to total assets | 76.9426% | 1,105 |
| Net loans and leases to deposits | 86.3844% | 2,024 |
| Net loans and leases to core deposits | 87.2658% | 3,144 |
| Total domestic deposits to total assets | 89.0700% | 1,609 |
| Equity capital to assets | 10.7691% | 2,884 |
| Core capital (leverage) ratio | 10.5386% | 2,516 |
| Tier 1 risk-based capital ratio | 14.7335% | 3,405 |
| Total risk-based capital ratio | 15.7521% | 3,496 |
| Memoranda: | ||
| Average total assets | $49,847,800 | 6,540 |
| Average earning assets | $45,261,600 | 6,528 |
| Average equity | $5,255,200 | 6,575 |
| Average total loans | $37,396,000 | 6,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7541% | 1,534 |
| Cost of funding earning assets | 1.1862% | 4,935 |
| Net interest margin | 4.5679% | 1,113 |
| Noninterest income to average assets | 0.7616% | 2,442 |
| Noninterest expense to average assets | 3.6925% | 1,579 |
| Loan and lease loss provision to assets | 0.4130% | 3,425 |
| Net operating income to assets | 0.8072% | 2,969 |
| Return on assets (ROA) | 0.8072% | 3,116 |
| Pretax return on assets | 0.8072% | 3,877 |
| Return on Equity (ROE) | 7.6981% | 3,022 |
| Retained earnings to average equity (ytd only) | 2.3786% | 4,744 |
| Net charge-offs to loans | 0.0757% | 5,757 |
| Credit loss provision to net charge-offs | 733.3333% | 409 |
| Earnings coverage of net charge-offs (x) | 21.6661% | 1,124 |
| Efficiency ratio | 75.1638% | 3,112 |
| Assets per employee ($millions) | 2.4186% | 7,174 |
| Cash dividends to net income (ytd only)* | 69.1045% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 6,684 |
| Loan loss allowance to noncurrent loans | 37.0690% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 2.5713% | 2,802 |
| Noncurrent loans to loans | 2.4759% | 3,145 |
| Net loans and leases to total assets | 73.1173% | 1,993 |
| Net loans and leases to deposits | 81.8500% | 3,136 |
| Net loans and leases to core deposits | 82.6755% | 4,136 |
| Total domestic deposits to total assets | 89.3308% | 1,212 |
| Equity capital to assets | 10.4231% | 3,609 |
| Core capital (leverage) ratio | 10.2612% | 2,970 |
| Tier 1 risk-based capital ratio | 14.8014% | 3,343 |
| Total risk-based capital ratio | 15.7692% | 3,471 |
| Memoranda: | ||
| Average total assets | $49,720,500 | 6,630 |
| Average earning assets | $45,184,000 | 6,614 |
| Average equity | $5,213,250 | 6,668 |
| Average total loans | $36,965,000 | 6,149 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7959% | 1,438 |
| Cost of funding earning assets | 1.2557% | 4,792 |
| Net interest margin | 4.5402% | 1,122 |
| Noninterest income to average assets | 0.7860% | 2,198 |
| Noninterest expense to average assets | 3.8287% | 1,308 |
| Loan and lease loss provision to assets | 0.2228% | 4,671 |
| Net operating income to assets | 0.8508% | 2,727 |
| Return on assets (ROA) | 0.8508% | 2,879 |
| Pretax return on assets | 0.8508% | 3,700 |
| Return on Equity (ROE) | 8.0982% | 2,854 |
| Retained earnings to average equity (ytd only) | 1.5425% | 5,098 |
| Net charge-offs to loans | 0.0326% | 5,893 |
| Credit loss provision to net charge-offs | 916.6667% | 407 |
| Earnings coverage of net charge-offs (x) | 44.1667% | 667 |
| Efficiency ratio | 78.0992% | 2,714 |
| Assets per employee ($millions) | 2.4121% | 7,213 |
| Cash dividends to net income (ytd only)* | 80.9524% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 7,259 |
| Loan loss allowance to noncurrent loans | 36.0996% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 2.1735% | 3,290 |
| Noncurrent loans to loans | 1.9271% | 3,834 |
| Net loans and leases to total assets | 73.5505% | 2,012 |
| Net loans and leases to deposits | 82.2759% | 3,224 |
| Net loans and leases to core deposits | 83.1017% | 4,269 |
| Total domestic deposits to total assets | 89.3949% | 1,226 |
| Equity capital to assets | 10.3623% | 3,574 |
| Core capital (leverage) ratio | 10.3055% | 2,818 |
| Tier 1 risk-based capital ratio | 14.6477% | 3,357 |
| Total risk-based capital ratio | 15.3818% | 3,605 |
| Memoranda: | ||
| Average total assets | $49,363,670 | 6,675 |
| Average earning assets | $44,756,000 | 6,669 |
| Average equity | $5,186,330 | 6,714 |
| Average total loans | $36,793,000 | 6,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 1,381 |
| Cost of funding earning assets | 1.3365% | 4,583 |
| Net interest margin | 4.4914% | 1,167 |
| Noninterest income to average assets | 0.7225% | 2,449 |
| Noninterest expense to average assets | 3.9246% | 1,136 |
| Loan and lease loss provision to assets | 0.1806% | 4,718 |
| Net operating income to assets | 0.6733% | 3,557 |
| Return on assets (ROA) | 0.6733% | 3,675 |
| Pretax return on assets | 0.6733% | 4,326 |
| Return on Equity (ROE) | 6.3628% | 3,688 |
| Retained earnings to average equity (ytd only) | -6.8283% | 6,721 |
| Net charge-offs to loans | 0.0659% | 4,750 |
| Credit loss provision to net charge-offs | 366.6667% | 1,109 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,287 |
| Efficiency ratio | 82.1306% | 2,259 |
| Assets per employee ($millions) | 2.3848% | 7,356 |
| Cash dividends to net income (ytd only)* | 207.3171% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 7,462 |
| Loan loss allowance to noncurrent loans | 29.9213% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 2.2763% | 3,182 |
| Noncurrent loans to loans | 2.0995% | 3,657 |
| Net loans and leases to total assets | 72.0173% | 2,441 |
| Net loans and leases to deposits | 80.4098% | 3,571 |
| Net loans and leases to core deposits | 81.2247% | 4,589 |
| Total domestic deposits to total assets | 89.5629% | 1,200 |
| Equity capital to assets | 10.1955% | 3,619 |
| Core capital (leverage) ratio | 10.4612% | 2,654 |
| Tier 1 risk-based capital ratio | 14.6023% | 3,315 |
| Total risk-based capital ratio | 15.2575% | 3,614 |
| Memoranda: | ||
| Average total assets | $48,718,000 | 6,780 |
| Average earning assets | $43,995,000 | 6,777 |
| Average equity | $5,155,000 | 6,801 |
| Average total loans | $36,430,500 | 6,286 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3317% | 961 |
| Cost of funding earning assets | 1.5125% | 5,468 |
| Net interest margin | 4.8193% | 665 |
| Noninterest income to average assets | 0.7935% | 2,435 |
| Noninterest expense to average assets | 4.4727% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6537% | 3,122 |
| Return on assets (ROA) | 0.6537% | 3,174 |
| Pretax return on assets | 0.6580% | 3,715 |
| Return on Equity (ROE) | 5.9331% | 3,241 |
| Retained earnings to average equity (ytd only) | 1.7370% | 3,871 |
| Net charge-offs to loans | 0.5320% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.6541% | 4,496 |
| Efficiency ratio | 87.1752% | 1,971 |
| Assets per employee ($millions) | 2.1525% | 7,611 |
| Cash dividends to net income (ytd only)* | 70.7237% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5798% | 7,585 |
| Loan loss allowance to noncurrent loans | 28.3422% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 2.4306% | 2,863 |
| Noncurrent loans to loans | 2.0456% | 3,595 |
| Net loans and leases to total assets | 76.7691% | 1,634 |
| Net loans and leases to deposits | 86.5407% | 2,814 |
| Net loans and leases to core deposits | 91.9702% | 4,890 |
| Total domestic deposits to total assets | 88.7087% | 1,623 |
| Equity capital to assets | 10.9893% | 2,710 |
| Core capital (leverage) ratio | 10.8807% | 2,292 |
| Tier 1 risk-based capital ratio | 14.7805% | 3,056 |
| Total risk-based capital ratio | 15.3868% | 3,373 |
| Memoranda: | ||
| Average total assets | $46,504,000 | 6,848 |
| Average earning assets | $41,852,600 | 6,867 |
| Average equity | $5,123,800 | 6,899 |
| Average total loans | $34,774,600 | 6,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3634% | 996 |
| Cost of funding earning assets | 1.5309% | 5,712 |
| Net interest margin | 4.8325% | 649 |
| Noninterest income to average assets | 0.8785% | 2,067 |
| Noninterest expense to average assets | 4.5738% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6538% | 3,386 |
| Return on assets (ROA) | 0.6538% | 3,449 |
| Pretax return on assets | 0.6596% | 3,987 |
| Return on Equity (ROE) | 5.9301% | 3,553 |
| Retained earnings to average equity (ytd only) | 0.3135% | 5,067 |
| Net charge-offs to loans | 0.6681% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.3314% | 4,790 |
| Efficiency ratio | 87.3968% | 1,930 |
| Assets per employee ($millions) | 2.0861% | 7,730 |
| Cash dividends to net income (ytd only)* | 94.7135% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 7,533 |
| Loan loss allowance to noncurrent loans | 70.0935% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 4,115 |
| Noncurrent loans to loans | 0.8932% | 5,497 |
| Net loans and leases to total assets | 77.8185% | 1,607 |
| Net loans and leases to deposits | 87.9937% | 2,961 |
| Net loans and leases to core deposits | 94.9916% | 4,930 |
| Total domestic deposits to total assets | 88.4364% | 1,460 |
| Equity capital to assets | 11.1975% | 2,837 |
| Core capital (leverage) ratio | 10.6705% | 2,653 |
| Tier 1 risk-based capital ratio | 14.8136% | 3,128 |
| Total risk-based capital ratio | 15.4683% | 3,377 |
| Memoranda: | ||
| Average total assets | $46,291,250 | 6,908 |
| Average earning assets | $41,716,500 | 6,925 |
| Average equity | $5,103,750 | 6,968 |
| Average total loans | $34,326,750 | 6,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3578% | 1,085 |
| Cost of funding earning assets | 1.5188% | 6,061 |
| Net interest margin | 4.8390% | 611 |
| Noninterest income to average assets | 0.8832% | 2,049 |
| Noninterest expense to average assets | 4.6959% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5299% | 3,984 |
| Return on assets (ROA) | 0.5299% | 4,096 |
| Pretax return on assets | 0.5385% | 4,502 |
| Return on Equity (ROE) | 4.8311% | 4,150 |
| Retained earnings to average equity (ytd only) | -3.6135% | 6,070 |
| Net charge-offs to loans | 0.3078% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.4038% | 3,862 |
| Efficiency ratio | 89.7119% | 1,842 |
| Assets per employee ($millions) | 2.1570% | 7,718 |
| Cash dividends to net income (ytd only)* | 174.7967% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 6,433 |
| Loan loss allowance to noncurrent loans | 69.2153% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.7701% | 3,520 |
| Noncurrent loans to loans | 1.4045% | 4,404 |
| Net loans and leases to total assets | 73.8405% | 2,750 |
| Net loans and leases to deposits | 86.0092% | 3,549 |
| Net loans and leases to core deposits | 92.2933% | 5,316 |
| Total domestic deposits to total assets | 85.8519% | 2,864 |
| Equity capital to assets | 10.6606% | 3,240 |
| Core capital (leverage) ratio | 10.5198% | 2,795 |
| Tier 1 risk-based capital ratio | 14.5789% | 3,203 |
| Total risk-based capital ratio | 15.5845% | 3,271 |
| Memoranda: | ||
| Average total assets | $46,423,670 | 6,964 |
| Average earning assets | $41,744,000 | 6,981 |
| Average equity | $5,092,000 | 7,028 |
| Average total loans | $33,789,330 | 6,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5015% | 862 |
| Cost of funding earning assets | 1.5549% | 6,214 |
| Net interest margin | 4.9466% | 461 |
| Noninterest income to average assets | 0.9236% | 1,763 |
| Noninterest expense to average assets | 5.4980% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1394% | 6,467 |
| Return on assets (ROA) | -0.1394% | 6,572 |
| Pretax return on assets | -0.1394% | 6,511 |
| Return on Equity (ROE) | -1.2528% | 6,581 |
| Retained earnings to average equity (ytd only) | -7.9084% | 6,907 |
| Net charge-offs to loans | 0.0606% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -3.2000% | 5,521 |
| Efficiency ratio | 102.6016% | 1,030 |
| Assets per employee ($millions) | 2.0974% | 7,805 |
| Cash dividends to net income (ytd only)* | -531.2500% | 8,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 4,999 |
| Loan loss allowance to noncurrent loans | 57.7320% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.0675% | 2,798 |
| Noncurrent loans to loans | 2.0227% | 3,231 |
| Net loans and leases to total assets | 71.9020% | 3,258 |
| Net loans and leases to deposits | 84.0839% | 3,970 |
| Net loans and leases to core deposits | 89.3248% | 5,619 |
| Total domestic deposits to total assets | 85.5121% | 2,962 |
| Equity capital to assets | 10.9618% | 2,996 |
| Core capital (leverage) ratio | 10.6900% | 2,747 |
| Tier 1 risk-based capital ratio | 15.1436% | 2,993 |
| Total risk-based capital ratio | 16.3361% | 2,968 |
| Memoranda: | ||
| Average total assets | $45,908,000 | 7,033 |
| Average earning assets | $41,160,000 | 7,055 |
| Average equity | $5,108,500 | 7,073 |
| Average total loans | $32,991,500 | 6,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6286% | 2,355 |
| Cost of funding earning assets | 2.3023% | 5,140 |
| Net interest margin | 4.3263% | 1,897 |
| Noninterest income to average assets | 0.9907% | 1,606 |
| Noninterest expense to average assets | 4.0731% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7722% | 3,565 |
| Return on assets (ROA) | 0.7722% | 3,403 |
| Pretax return on assets | 0.7764% | 4,151 |
| Return on Equity (ROE) | 6.9590% | 3,552 |
| Retained earnings to average equity (ytd only) | -6.3281% | 6,702 |
| Net charge-offs to loans | 0.0671% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 16.6364% | 1,829 |
| Efficiency ratio | 83.9895% | 2,056 |
| Assets per employee ($millions) | 2.0761% | 7,844 |
| Cash dividends to net income (ytd only)* | 190.9341% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,346 |
| Loan loss allowance to noncurrent loans | 96.5937% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 3.3148% | 1,361 |
| Noncurrent loans to loans | 1.2680% | 3,973 |
| Net loans and leases to total assets | 70.0990% | 3,993 |
| Net loans and leases to deposits | 79.3050% | 5,157 |
| Net loans and leases to core deposits | 83.6106% | 6,334 |
| Total domestic deposits to total assets | 88.3916% | 1,294 |
| Equity capital to assets | 11.2953% | 2,808 |
| Core capital (leverage) ratio | 10.9242% | 2,652 |
| Tier 1 risk-based capital ratio | 15.6205% | 2,808 |
| Total risk-based capital ratio | 16.8415% | 2,742 |
| Memoranda: | ||
| Average total assets | $47,138,200 | 6,894 |
| Average earning assets | $42,045,000 | 6,947 |
| Average equity | $5,230,600 | 7,075 |
| Average total loans | $32,804,800 | 6,562 |