Home > First Commerce Bank > Performance and Condition Ratios
First Commerce Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 2,989 |
| Cost of funding earning assets | 1.4541% | 3,314 |
| Net interest margin | 3.6122% | 2,058 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 2.1860% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4290% | 1,205 |
| Return on assets (ROA) | 1.4061% | 1,249 |
| Pretax return on assets | 1.4475% | 1,628 |
| Return on Equity (ROE) | 13.6500% | 1,348 |
| Retained earnings to average equity (ytd only) | -15.0219% | 4,338 |
| Net charge-offs to loans | 0.0197% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 99.6000% | 702 |
| Efficiency ratio | 59.0468% | 3,078 |
| Assets per employee ($millions) | 9.7609% | 857 |
| Cash dividends to net income (ytd only)* | 210.0840% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,267 |
| Loan loss allowance to noncurrent loans | 451.3274% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 2,130 |
| Noncurrent loans to loans | 0.2201% | 2,712 |
| Net loans and leases to total assets | 74.4000% | 1,286 |
| Net loans and leases to deposits | 82.9411% | 1,799 |
| Net loans and leases to core deposits | 99.7146% | 1,395 |
| Total domestic deposits to total assets | 89.7000% | 920 |
| Equity capital to assets | 10.1169% | 2,143 |
| Core capital (leverage) ratio | 10.7609% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $135,410,000 | 3,495 |
| Average earning assets | $130,667,000 | 3,426 |
| Average equity | $13,953,000 | 3,463 |
| Average total loans | $101,637,500 | 3,204 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 2,815 |
| Cost of funding earning assets | 1.6922% | 2,968 |
| Net interest margin | 3.4722% | 2,135 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.0215% | 3,565 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.4580% | 973 |
| Return on assets (ROA) | 1.4776% | 943 |
| Pretax return on assets | 1.5122% | 1,250 |
| Return on Equity (ROE) | 15.7000% | 827 |
| Retained earnings to average equity (ytd only) | 3.9224% | 2,662 |
| Net charge-offs to loans | 0.0010% | 3,025 |
| Credit loss provision to net charge-offs | 5,000.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 2,209.0000% | 54 |
| Efficiency ratio | 56.1550% | 3,543 |
| Assets per employee ($millions) | 10.3206% | 703 |
| Cash dividends to net income (ytd only)* | 75.0234% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,116 |
| Loan loss allowance to noncurrent loans | 507.4257% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 2,151 |
| Noncurrent loans to loans | 0.2008% | 2,718 |
| Net loans and leases to total assets | 74.2100% | 1,381 |
| Net loans and leases to deposits | 86.3824% | 1,557 |
| Net loans and leases to core deposits | 105.2709% | 1,164 |
| Total domestic deposits to total assets | 85.9000% | 2,249 |
| Equity capital to assets | 10.4951% | 1,839 |
| Core capital (leverage) ratio | 10.7212% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $144,693,400 | 3,404 |
| Average earning assets | $140,230,000 | 3,340 |
| Average equity | $13,614,000 | 3,460 |
| Average total loans | $99,145,000 | 3,216 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 2,821 |
| Cost of funding earning assets | 1.6961% | 2,961 |
| Net interest margin | 3.4229% | 2,188 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 2.0182% | 3,521 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.4023% | 1,091 |
| Return on assets (ROA) | 1.4236% | 1,059 |
| Pretax return on assets | 1.4543% | 1,394 |
| Return on Equity (ROE) | 15.5400% | 879 |
| Retained earnings to average equity (ytd only) | 0.5334% | 3,838 |
| Net charge-offs to loans | 0.0027% | 2,655 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 816.5000% | 154 |
| Efficiency ratio | 56.9247% | 3,466 |
| Assets per employee ($millions) | 11.1105% | 543 |
| Cash dividends to net income (ytd only)* | 96.5671% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,155 |
| Loan loss allowance to noncurrent loans | 504.4335% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 2,223 |
| Noncurrent loans to loans | 0.2018% | 2,731 |
| Net loans and leases to total assets | 68.9500% | 1,965 |
| Net loans and leases to deposits | 86.9440% | 1,544 |
| Net loans and leases to core deposits | 105.3120% | 1,174 |
| Total domestic deposits to total assets | 79.3000% | 3,567 |
| Equity capital to assets | 9.7427% | 2,461 |
| Core capital (leverage) ratio | 9.8266% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $147,324,750 | 3,384 |
| Average earning assets | $143,072,000 | 3,316 |
| Average equity | $13,497,250 | 3,472 |
| Average total loans | $98,785,000 | 3,223 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 2,977 |
| Cost of funding earning assets | 1.6564% | 2,968 |
| Net interest margin | 3.3281% | 2,347 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.0271% | 3,495 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.2696% | 1,327 |
| Return on assets (ROA) | 1.2894% | 1,292 |
| Pretax return on assets | 1.3150% | 1,660 |
| Return on Equity (ROE) | 14.3700% | 1,095 |
| Retained earnings to average equity (ytd only) | 4.1486% | 2,667 |
| Net charge-offs to loans | -0.0061% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.9733% | 3,304 |
| Assets per employee ($millions) | 10.3527% | 661 |
| Cash dividends to net income (ytd only)* | 71.1297% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,158 |
| Loan loss allowance to noncurrent loans | 338.4868% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,872 |
| Noncurrent loans to loans | 0.3021% | 2,286 |
| Net loans and leases to total assets | 68.7200% | 2,047 |
| Net loans and leases to deposits | 86.0745% | 1,657 |
| Net loans and leases to core deposits | 102.7153% | 1,319 |
| Total domestic deposits to total assets | 79.8400% | 3,475 |
| Equity capital to assets | 9.3488% | 2,496 |
| Core capital (leverage) ratio | 9.7123% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $148,287,333 | 3,383 |
| Average earning assets | $144,166,000 | 3,315 |
| Average equity | $13,305,667 | 3,470 |
| Average total loans | $98,177,667 | 3,234 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 3,187 |
| Cost of funding earning assets | 1.5412% | 3,099 |
| Net interest margin | 3.2360% | 2,491 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 2.0672% | 3,405 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 1.0458% | 1,821 |
| Return on assets (ROA) | 1.0643% | 1,766 |
| Pretax return on assets | 1.0723% | 2,206 |
| Return on Equity (ROE) | 12.1100% | 1,537 |
| Retained earnings to average equity (ytd only) | -6.0985% | 4,180 |
| Net charge-offs to loans | -0.0083% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.6230% | 2,959 |
| Assets per employee ($millions) | 11.5640% | 482 |
| Cash dividends to net income (ytd only)* | 150.3759% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,032 |
| Loan loss allowance to noncurrent loans | 327.3885% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,837 |
| Noncurrent loans to loans | 0.3219% | 2,173 |
| Net loans and leases to total assets | 64.2000% | 2,452 |
| Net loans and leases to deposits | 79.1479% | 2,132 |
| Net loans and leases to core deposits | 92.5382% | 1,875 |
| Total domestic deposits to total assets | 81.1100% | 3,354 |
| Equity capital to assets | 8.6229% | 2,938 |
| Core capital (leverage) ratio | 9.3634% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $149,962,000 | 3,379 |
| Average earning assets | $145,859,000 | 3,307 |
| Average equity | $13,183,500 | 3,490 |
| Average total loans | $96,951,000 | 3,249 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0401% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 35,461.0000% | 28 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0596% | 4,440 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.6114% | 821 |
| Pretax return on assets | 1.6662% | 1,127 |
| Return on Equity (ROE) | 18.1900% | 793 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 8.5466% | 2,338 |
| Efficiency ratio | 10.0273% | 4,546 |
| Assets per employee ($millions) | 0.2501% | 4,542 |
| Cash dividends to net income (ytd only)* | 82.0000% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 708.0000% | 38 |
| Total domestic deposits to total assets | 1.0000% | 4,532 |
| Equity capital to assets | 24,965.0000% | 26 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $4,414,000 | 4,585 |
| Average earning assets | $8,106 | 4,556 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 3,355 |
| Cost of funding earning assets | 0.6288% | 3,920 |
| Net interest margin | 3.6338% | 1,916 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.0353% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6752% | 828 |
| Return on assets (ROA) | 1.6820% | 811 |
| Pretax return on assets | 1.7369% | 1,107 |
| Return on Equity (ROE) | 19.0500% | 815 |
| Retained earnings to average equity (ytd only) | 14.5739% | 607 |
| Net charge-offs to loans | 0.0366% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 69.3200% | 1,120 |
| Efficiency ratio | 53.1018% | 3,663 |
| Assets per employee ($millions) | 9.4305% | 803 |
| Cash dividends to net income (ytd only)* | 23.5015% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,224 |
| Loan loss allowance to noncurrent loans | 301.2384% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,472 |
| Noncurrent loans to loans | 0.3408% | 2,011 |
| Net loans and leases to total assets | 71.0400% | 1,693 |
| Net loans and leases to deposits | 78.3507% | 2,215 |
| Net loans and leases to core deposits | 89.6742% | 1,953 |
| Total domestic deposits to total assets | 90.6700% | 753 |
| Equity capital to assets | 9.1534% | 2,321 |
| Core capital (leverage) ratio | 10.2500% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,571,000 | 3,521 |
| Average earning assets | $129,778,000 | 3,454 |
| Average equity | $11,792,500 | 3,543 |
| Average total loans | $91,020,250 | 3,280 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,461 |
| Cost of funding earning assets | 0.4980% | 3,981 |
| Net interest margin | 3.6175% | 1,997 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.0047% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6737% | 826 |
| Return on assets (ROA) | 1.6795% | 823 |
| Pretax return on assets | 1.7332% | 1,145 |
| Return on Equity (ROE) | 19.2600% | 798 |
| Retained earnings to average equity (ytd only) | 13.8521% | 702 |
| Net charge-offs to loans | -0.0045% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7578% | 3,719 |
| Assets per employee ($millions) | 9.7827% | 710 |
| Cash dividends to net income (ytd only)* | 28.0639% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,006 |
| Loan loss allowance to noncurrent loans | 295.8580% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 1,430 |
| Noncurrent loans to loans | 0.3679% | 1,825 |
| Net loans and leases to total assets | 66.3500% | 2,116 |
| Net loans and leases to deposits | 72.8580% | 2,586 |
| Net loans and leases to core deposits | 82.9159% | 2,273 |
| Total domestic deposits to total assets | 91.0700% | 627 |
| Equity capital to assets | 8.7939% | 2,666 |
| Core capital (leverage) ratio | 9.7473% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $134,085,667 | 3,525 |
| Average earning assets | $130,532,667 | 3,457 |
| Average equity | $11,695,000 | 3,568 |
| Average total loans | $89,772,000 | 3,298 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,682 |
| Cost of funding earning assets | 0.3406% | 4,105 |
| Net interest margin | 3.5544% | 2,234 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.9932% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6163% | 950 |
| Return on assets (ROA) | 1.6163% | 951 |
| Pretax return on assets | 1.6645% | 1,349 |
| Return on Equity (ROE) | 18.6100% | 945 |
| Retained earnings to average equity (ytd only) | 15.1382% | 786 |
| Net charge-offs to loans | -0.0045% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.5037% | 3,653 |
| Assets per employee ($millions) | 9.7892% | 743 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,979 |
| Loan loss allowance to noncurrent loans | 185.6877% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,318 |
| Noncurrent loans to loans | 0.6004% | 1,237 |
| Net loans and leases to total assets | 64.6600% | 2,186 |
| Net loans and leases to deposits | 70.8986% | 2,547 |
| Net loans and leases to core deposits | 79.9131% | 2,260 |
| Total domestic deposits to total assets | 91.2000% | 736 |
| Equity capital to assets | 8.7042% | 2,733 |
| Core capital (leverage) ratio | 9.7585% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $132,649,500 | 3,588 |
| Average earning assets | $129,193,000 | 3,518 |
| Average equity | $11,520,500 | 3,619 |
| Average total loans | $88,720,500 | 3,347 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 3,663 |
| Cost of funding earning assets | 0.1415% | 4,167 |
| Net interest margin | 3.1294% | 3,086 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.8418% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4378% | 1,031 |
| Return on assets (ROA) | 1.4504% | 964 |
| Pretax return on assets | 1.5010% | 1,456 |
| Return on Equity (ROE) | 17.9100% | 715 |
| Retained earnings to average equity (ytd only) | 6.8110% | 2,318 |
| Net charge-offs to loans | 0.0269% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 89.6087% | 1,025 |
| Efficiency ratio | 54.1197% | 3,787 |
| Assets per employee ($millions) | 9.1607% | 864 |
| Cash dividends to net income (ytd only)* | 61.9711% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,714 |
| Loan loss allowance to noncurrent loans | 181.1252% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 1,193 |
| Noncurrent loans to loans | 0.6274% | 1,179 |
| Net loans and leases to total assets | 67.7000% | 1,863 |
| Net loans and leases to deposits | 74.2276% | 2,240 |
| Net loans and leases to core deposits | 81.1473% | 2,061 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 8.6643% | 2,586 |
| Core capital (leverage) ratio | 9.5352% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $138,509,000 | 3,548 |
| Average earning assets | $135,011,000 | 3,469 |
| Average equity | $11,217,200 | 3,742 |
| Average total loans | $85,650,600 | 3,338 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 3,690 |
| Cost of funding earning assets | 0.1221% | 4,107 |
| Net interest margin | 2.9719% | 3,292 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.8174% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2395% | 1,554 |
| Return on assets (ROA) | 1.2560% | 1,473 |
| Pretax return on assets | 1.2995% | 2,049 |
| Return on Equity (ROE) | 15.7600% | 1,023 |
| Retained earnings to average equity (ytd only) | 1.7076% | 4,081 |
| Net charge-offs to loans | 0.0360% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,180 |
| Efficiency ratio | 57.3780% | 3,457 |
| Assets per employee ($millions) | 9.4587% | 773 |
| Cash dividends to net income (ytd only)* | 89.1648% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,716 |
| Loan loss allowance to noncurrent loans | 141.1598% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 1,012 |
| Noncurrent loans to loans | 0.8255% | 959 |
| Net loans and leases to total assets | 63.9200% | 2,095 |
| Net loans and leases to deposits | 69.2797% | 2,433 |
| Net loans and leases to core deposits | 75.4076% | 2,244 |
| Total domestic deposits to total assets | 92.2700% | 789 |
| Equity capital to assets | 7.6430% | 3,129 |
| Core capital (leverage) ratio | 9.0515% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $141,073,750 | 3,548 |
| Average earning assets | $137,594,250 | 3,468 |
| Average equity | $11,243,500 | 3,784 |
| Average total loans | $85,106,250 | 3,356 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8987% | 3,786 |
| Cost of funding earning assets | 0.1082% | 4,101 |
| Net interest margin | 2.7905% | 3,473 |
| Noninterest income to average assets | 0.1903% | 4,051 |
| Noninterest expense to average assets | 1.7880% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0855% | 1,827 |
| Return on assets (ROA) | 1.0962% | 1,763 |
| Pretax return on assets | 1.1364% | 2,280 |
| Return on Equity (ROE) | 13.5828% | 1,214 |
| Retained earnings to average equity (ytd only) | -1.8248% | 4,367 |
| Net charge-offs to loans | 0.0565% | 828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,344 |
| Efficiency ratio | 60.0858% | 3,285 |
| Assets per employee ($millions) | 9.4334% | 770 |
| Cash dividends to net income (ytd only)* | 113.4347% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 2,963 |
| Loan loss allowance to noncurrent loans | 251.7677% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 1,804 |
| Noncurrent loans to loans | 0.4541% | 1,759 |
| Net loans and leases to total assets | 65.2714% | 1,782 |
| Net loans and leases to deposits | 71.2207% | 2,090 |
| Net loans and leases to core deposits | 76.7365% | 1,951 |
| Total domestic deposits to total assets | 91.6467% | 982 |
| Equity capital to assets | 8.2655% | 2,933 |
| Core capital (leverage) ratio | 8.3246% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8356% | 1,472 |
| Memoranda: | ||
| Average total assets | $143,957,667 | 3,565 |
| Average earning assets | $140,475,000 | 3,488 |
| Average equity | $11,617,667 | 3,825 |
| Average total loans | $84,926,333 | 3,393 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5800% | 4,157 |
| Cost of funding earning assets | 0.1121% | 3,980 |
| Net interest margin | 2.4680% | 3,959 |
| Noninterest income to average assets | 0.1681% | 4,159 |
| Noninterest expense to average assets | 1.7184% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8406% | 2,521 |
| Return on assets (ROA) | 0.8432% | 2,501 |
| Pretax return on assets | 0.8619% | 2,905 |
| Return on Equity (ROE) | 10.5611% | 1,776 |
| Retained earnings to average equity (ytd only) | -17.8468% | 4,678 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2174% | 2,873 |
| Assets per employee ($millions) | 9.8898% | 705 |
| Cash dividends to net income (ytd only)* | 268.9873% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,837 |
| Loan loss allowance to noncurrent loans | 235.2535% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 1,951 |
| Noncurrent loans to loans | 0.5119% | 1,744 |
| Net loans and leases to total assets | 56.4669% | 2,486 |
| Net loans and leases to deposits | 61.1594% | 2,792 |
| Net loans and leases to core deposits | 65.8478% | 2,638 |
| Total domestic deposits to total assets | 92.3274% | 464 |
| Equity capital to assets | 7.6153% | 3,845 |
| Core capital (leverage) ratio | 7.4546% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1911% | 1,463 |
| Memoranda: | ||
| Average total assets | $149,903,000 | 3,517 |
| Average earning assets | $146,354,500 | 3,447 |
| Average equity | $11,968,500 | 3,868 |
| Average total loans | $83,790,000 | 3,407 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3500% | 3,052 |
| Cost of funding earning assets | 0.1745% | 3,720 |
| Net interest margin | 3.1755% | 2,667 |
| Noninterest income to average assets | 0.1781% | 4,264 |
| Noninterest expense to average assets | 1.8735% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3104% | 1,573 |
| Return on assets (ROA) | 1.3266% | 1,571 |
| Pretax return on assets | 1.4126% | 2,006 |
| Return on Equity (ROE) | 14.1189% | 1,148 |
| Retained earnings to average equity (ytd only) | 0.1991% | 4,440 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8938% | 3,716 |
| Assets per employee ($millions) | 10.0973% | 644 |
| Cash dividends to net income (ytd only)* | 98.5900% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,721 |
| Loan loss allowance to noncurrent loans | 226.3858% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 2,050 |
| Noncurrent loans to loans | 0.5447% | 1,762 |
| Net loans and leases to total assets | 53.9889% | 2,855 |
| Net loans and leases to deposits | 58.9876% | 3,173 |
| Net loans and leases to core deposits | 63.9701% | 2,979 |
| Total domestic deposits to total assets | 91.5258% | 309 |
| Equity capital to assets | 8.3455% | 4,147 |
| Core capital (leverage) ratio | 8.6425% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,650,800 | 3,642 |
| Average earning assets | $130,089,800 | 3,574 |
| Average equity | $12,557,600 | 3,874 |
| Average total loans | $81,111,200 | 3,458 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 2,498 |
| Cost of funding earning assets | 0.1953% | 3,654 |
| Net interest margin | 3.4257% | 2,085 |
| Noninterest income to average assets | 0.1806% | 4,293 |
| Noninterest expense to average assets | 1.9473% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4687% | 1,340 |
| Return on assets (ROA) | 1.4881% | 1,350 |
| Pretax return on assets | 1.5851% | 1,754 |
| Return on Equity (ROE) | 15.3356% | 1,081 |
| Retained earnings to average equity (ytd only) | -2.3716% | 4,712 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0699% | 3,806 |
| Assets per employee ($millions) | 8.4083% | 1,086 |
| Cash dividends to net income (ytd only)* | 115.4646% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,704 |
| Loan loss allowance to noncurrent loans | 197.1042% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 1,815 |
| Noncurrent loans to loans | 0.6373% | 1,712 |
| Net loans and leases to total assets | 63.6361% | 1,820 |
| Net loans and leases to deposits | 70.7264% | 2,167 |
| Net loans and leases to core deposits | 78.5287% | 1,853 |
| Total domestic deposits to total assets | 89.9750% | 784 |
| Equity capital to assets | 9.8957% | 3,003 |
| Core capital (leverage) ratio | 9.0084% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,198,750 | 3,723 |
| Average earning assets | $125,636,750 | 3,654 |
| Average equity | $12,537,000 | 3,932 |
| Average total loans | $80,691,000 | 3,514 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 1,799 |
| Cost of funding earning assets | 0.2131% | 3,624 |
| Net interest margin | 3.6927% | 1,370 |
| Noninterest income to average assets | 0.1766% | 4,319 |
| Noninterest expense to average assets | 1.9367% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7210% | 843 |
| Return on assets (ROA) | 1.7355% | 869 |
| Pretax return on assets | 1.8476% | 1,129 |
| Return on Equity (ROE) | 17.9998% | 655 |
| Retained earnings to average equity (ytd only) | -2.4212% | 4,695 |
| Net charge-offs to loans | -0.0025% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1222% | 4,229 |
| Assets per employee ($millions) | 8.1403% | 1,145 |
| Cash dividends to net income (ytd only)* | 113.4513% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,755 |
| Loan loss allowance to noncurrent loans | 196.5385% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 2,006 |
| Noncurrent loans to loans | 0.6279% | 1,841 |
| Net loans and leases to total assets | 62.8029% | 2,085 |
| Net loans and leases to deposits | 69.5961% | 2,455 |
| Net loans and leases to core deposits | 80.7082% | 1,827 |
| Total domestic deposits to total assets | 90.2391% | 675 |
| Equity capital to assets | 9.6611% | 3,190 |
| Core capital (leverage) ratio | 8.5749% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,223,333 | 3,723 |
| Average earning assets | $126,683,667 | 3,663 |
| Average equity | $12,555,667 | 3,939 |
| Average total loans | $80,494,000 | 3,542 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 963 |
| Cost of funding earning assets | 0.2211% | 3,718 |
| Net interest margin | 4.1310% | 692 |
| Noninterest income to average assets | 0.1751% | 4,319 |
| Noninterest expense to average assets | 1.9384% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1020% | 491 |
| Return on assets (ROA) | 2.1135% | 521 |
| Pretax return on assets | 2.2671% | 620 |
| Return on Equity (ROE) | 21.9423% | 398 |
| Retained earnings to average equity (ytd only) | -16.3291% | 4,891 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0549% | 4,522 |
| Assets per employee ($millions) | 8.5370% | 975 |
| Cash dividends to net income (ytd only)* | 174.4186% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,567 |
| Loan loss allowance to noncurrent loans | 188.0295% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 2,212 |
| Noncurrent loans to loans | 0.6768% | 1,895 |
| Net loans and leases to total assets | 57.9917% | 2,804 |
| Net loans and leases to deposits | 63.7485% | 3,148 |
| Net loans and leases to core deposits | 72.6642% | 2,642 |
| Total domestic deposits to total assets | 90.9695% | 404 |
| Equity capital to assets | 8.9581% | 3,727 |
| Core capital (leverage) ratio | 8.5003% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,213,000 | 3,739 |
| Average earning assets | $126,653,000 | 3,662 |
| Average equity | $12,542,000 | 3,949 |
| Average total loans | $79,331,500 | 3,577 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 2,724 |
| Cost of funding earning assets | 0.3765% | 3,729 |
| Net interest margin | 3.6233% | 2,063 |
| Noninterest income to average assets | 0.3099% | 3,630 |
| Noninterest expense to average assets | 2.2599% | 3,510 |
| Loan and lease loss provision to assets | -0.1454% | 4,967 |
| Net operating income to assets | 1.6617% | 552 |
| Return on assets (ROA) | 1.6913% | 554 |
| Pretax return on assets | 1.7187% | 822 |
| Return on Equity (ROE) | 14.9018% | 655 |
| Retained earnings to average equity (ytd only) | 1.6513% | 3,971 |
| Net charge-offs to loans | -0.1914% | 4,888 |
| Credit loss provision to net charge-offs | 105.2980% | 2,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7163% | 3,767 |
| Assets per employee ($millions) | 7.7396% | 1,147 |
| Cash dividends to net income (ytd only)* | 88.9189% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,400 |
| Loan loss allowance to noncurrent loans | 179.1228% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 2,183 |
| Noncurrent loans to loans | 0.7268% | 1,888 |
| Net loans and leases to total assets | 62.5103% | 2,537 |
| Net loans and leases to deposits | 69.8480% | 2,893 |
| Net loans and leases to core deposits | 73.9376% | 2,921 |
| Total domestic deposits to total assets | 89.4948% | 772 |
| Equity capital to assets | 10.3752% | 2,777 |
| Core capital (leverage) ratio | 9.6929% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,386,400 | 3,886 |
| Average earning assets | $105,457,400 | 3,831 |
| Average equity | $12,414,600 | 3,934 |
| Average total loans | $78,903,200 | 3,572 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,101 |
| Cost of funding earning assets | 0.4060% | 3,776 |
| Net interest margin | 3.8915% | 1,369 |
| Noninterest income to average assets | 0.3366% | 3,463 |
| Noninterest expense to average assets | 2.3332% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7273% | 545 |
| Return on assets (ROA) | 1.7622% | 556 |
| Pretax return on assets | 1.7836% | 806 |
| Return on Equity (ROE) | 15.1464% | 670 |
| Retained earnings to average equity (ytd only) | -1.7877% | 4,687 |
| Net charge-offs to loans | 0.0253% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 92.4667% | 834 |
| Efficiency ratio | 55.5281% | 3,980 |
| Assets per employee ($millions) | 7.1627% | 1,393 |
| Cash dividends to net income (ytd only)* | 111.8026% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,588 |
| Loan loss allowance to noncurrent loans | 137.9592% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 1,816 |
| Noncurrent loans to loans | 0.8799% | 1,699 |
| Net loans and leases to total assets | 72.0034% | 1,665 |
| Net loans and leases to deposits | 80.9095% | 2,206 |
| Net loans and leases to core deposits | 86.1087% | 2,292 |
| Total domestic deposits to total assets | 88.9924% | 771 |
| Equity capital to assets | 10.8828% | 2,493 |
| Core capital (leverage) ratio | 9.8719% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,774,500 | 3,919 |
| Average earning assets | $101,792,000 | 3,866 |
| Average equity | $12,306,250 | 3,950 |
| Average total loans | $79,021,500 | 3,592 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 1,518 |
| Cost of funding earning assets | 0.4330% | 3,883 |
| Net interest margin | 4.2249% | 866 |
| Noninterest income to average assets | 0.2645% | 3,886 |
| Noninterest expense to average assets | 2.3981% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9196% | 391 |
| Return on assets (ROA) | 1.9605% | 400 |
| Pretax return on assets | 1.9683% | 586 |
| Return on Equity (ROE) | 16.4558% | 494 |
| Retained earnings to average equity (ytd only) | -4.4405% | 4,751 |
| Net charge-offs to loans | -0.0155% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8219% | 4,199 |
| Assets per employee ($millions) | 6.9054% | 1,500 |
| Cash dividends to net income (ytd only)* | 126.9841% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,187 |
| Loan loss allowance to noncurrent loans | 164.8089% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 2,097 |
| Noncurrent loans to loans | 0.7660% | 1,967 |
| Net loans and leases to total assets | 73.2629% | 1,515 |
| Net loans and leases to deposits | 82.6072% | 2,136 |
| Net loans and leases to core deposits | 88.1323% | 2,231 |
| Total domestic deposits to total assets | 88.6883% | 870 |
| Equity capital to assets | 11.2113% | 2,174 |
| Core capital (leverage) ratio | 10.4152% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,831,667 | 3,959 |
| Average earning assets | $98,843,333 | 3,896 |
| Average equity | $12,251,000 | 3,957 |
| Average total loans | $77,518,000 | 3,619 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 2,755 |
| Cost of funding earning assets | 0.4636% | 4,097 |
| Net interest margin | 3.8945% | 1,688 |
| Noninterest income to average assets | 0.3111% | 3,652 |
| Noninterest expense to average assets | 2.4645% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5797% | 651 |
| Return on assets (ROA) | 1.5757% | 725 |
| Pretax return on assets | 1.5757% | 1,122 |
| Return on Equity (ROE) | 12.8047% | 912 |
| Retained earnings to average equity (ytd only) | -26.5944% | 5,021 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1409% | 3,847 |
| Assets per employee ($millions) | 6.2082% | 1,513 |
| Cash dividends to net income (ytd only)* | 307.6923% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 1,805 |
| Loan loss allowance to noncurrent loans | 169.2434% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 2,171 |
| Noncurrent loans to loans | 0.8098% | 1,986 |
| Net loans and leases to total assets | 74.5507% | 1,526 |
| Net loans and leases to deposits | 84.6686% | 2,142 |
| Net loans and leases to core deposits | 90.9261% | 2,258 |
| Total domestic deposits to total assets | 88.0501% | 1,086 |
| Equity capital to assets | 11.8603% | 2,176 |
| Core capital (leverage) ratio | 10.6573% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,004,000 | 4,008 |
| Average earning assets | $94,902,000 | 3,947 |
| Average equity | $12,183,000 | 3,974 |
| Average total loans | $75,286,500 | 3,654 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 3,018 |
| Cost of funding earning assets | 0.4663% | 4,217 |
| Net interest margin | 4.0116% | 1,819 |
| Noninterest income to average assets | 0.3422% | 3,658 |
| Noninterest expense to average assets | 2.4945% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6126% | 810 |
| Return on assets (ROA) | 1.7471% | 631 |
| Pretax return on assets | 1.8562% | 825 |
| Return on Equity (ROE) | 14.4300% | 810 |
| Retained earnings to average equity (ytd only) | 3.9753% | 2,972 |
| Net charge-offs to loans | -0.0388% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3603% | 4,041 |
| Assets per employee ($millions) | 5.8045% | 1,788 |
| Cash dividends to net income (ytd only)* | 72.4513% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 1,655 |
| Loan loss allowance to noncurrent loans | 256.6085% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 2,773 |
| Noncurrent loans to loans | 0.5312% | 2,588 |
| Net loans and leases to total assets | 75.4614% | 1,513 |
| Net loans and leases to deposits | 86.6695% | 2,013 |
| Net loans and leases to core deposits | 93.1521% | 2,141 |
| Total domestic deposits to total assets | 87.0679% | 1,571 |
| Equity capital to assets | 12.7537% | 1,672 |
| Core capital (leverage) ratio | 11.6500% | 2,002 |
| Tier 1 risk-based capital ratio | 17.5987% | 1,865 |
| Total risk-based capital ratio | 18.8533% | 1,819 |
| Memoranda: | ||
| Average total assets | $99,938,000 | 4,002 |
| Average earning assets | $96,295,800 | 3,936 |
| Average equity | $12,099,800 | 3,987 |
| Average total loans | $74,721,200 | 3,686 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 3,121 |
| Cost of funding earning assets | 0.4651% | 4,287 |
| Net interest margin | 4.0165% | 1,882 |
| Noninterest income to average assets | 0.3737% | 3,476 |
| Noninterest expense to average assets | 2.5056% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6298% | 862 |
| Return on assets (ROA) | 1.8060% | 643 |
| Pretax return on assets | 1.9257% | 814 |
| Return on Equity (ROE) | 15.1156% | 755 |
| Retained earnings to average equity (ytd only) | 1.9479% | 4,295 |
| Net charge-offs to loans | -0.0376% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1294% | 4,051 |
| Assets per employee ($millions) | 5.7755% | 1,785 |
| Cash dividends to net income (ytd only)* | 87.1133% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,693 |
| Loan loss allowance to noncurrent loans | 253.3499% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 2,681 |
| Noncurrent loans to loans | 0.5400% | 2,672 |
| Net loans and leases to total assets | 74.9712% | 1,653 |
| Net loans and leases to deposits | 85.8564% | 2,211 |
| Net loans and leases to core deposits | 92.9747% | 2,271 |
| Total domestic deposits to total assets | 87.3216% | 1,362 |
| Equity capital to assets | 12.4920% | 1,915 |
| Core capital (leverage) ratio | 11.2906% | 2,386 |
| Tier 1 risk-based capital ratio | 17.0516% | 2,069 |
| Total risk-based capital ratio | 18.3063% | 2,021 |
| Memoranda: | ||
| Average total assets | $100,253,250 | 4,040 |
| Average earning assets | $96,598,000 | 3,971 |
| Average equity | $11,978,500 | 4,040 |
| Average total loans | $74,528,500 | 3,732 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 3,166 |
| Cost of funding earning assets | 0.4523% | 4,315 |
| Net interest margin | 4.0028% | 1,909 |
| Noninterest income to average assets | 0.3586% | 3,532 |
| Noninterest expense to average assets | 2.5083% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5862% | 941 |
| Return on assets (ROA) | 1.8387% | 577 |
| Pretax return on assets | 1.9793% | 700 |
| Return on Equity (ROE) | 15.6190% | 655 |
| Retained earnings to average equity (ytd only) | 0.4713% | 4,577 |
| Net charge-offs to loans | -0.0376% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5658% | 4,062 |
| Assets per employee ($millions) | 5.8592% | 1,652 |
| Cash dividends to net income (ytd only)* | 96.9828% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,791 |
| Loan loss allowance to noncurrent loans | 317.8683% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,021 |
| Noncurrent loans to loans | 0.4267% | 3,003 |
| Net loans and leases to total assets | 74.0370% | 1,882 |
| Net loans and leases to deposits | 84.4210% | 2,444 |
| Net loans and leases to core deposits | 90.9154% | 2,524 |
| Total domestic deposits to total assets | 87.6997% | 1,243 |
| Equity capital to assets | 12.1477% | 2,080 |
| Core capital (leverage) ratio | 10.8986% | 2,693 |
| Tier 1 risk-based capital ratio | 16.8877% | 2,120 |
| Total risk-based capital ratio | 18.1418% | 2,061 |
| Memoranda: | ||
| Average total assets | $100,943,330 | 4,052 |
| Average earning assets | $97,282,000 | 3,983 |
| Average equity | $11,883,000 | 4,061 |
| Average total loans | $74,494,670 | 3,756 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 2,942 |
| Cost of funding earning assets | 0.4410% | 4,328 |
| Net interest margin | 4.0384% | 1,717 |
| Noninterest income to average assets | 0.3385% | 3,594 |
| Noninterest expense to average assets | 2.5233% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5498% | 1,007 |
| Return on assets (ROA) | 2.0155% | 393 |
| Pretax return on assets | 2.2202% | 427 |
| Return on Equity (ROE) | 17.3935% | 453 |
| Retained earnings to average equity (ytd only) | -13.1810% | 5,178 |
| Net charge-offs to loans | 0.0323% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 72.3333% | 827 |
| Efficiency ratio | 57.7674% | 4,113 |
| Assets per employee ($millions) | 6.3934% | 1,294 |
| Cash dividends to net income (ytd only)* | 175.7813% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,907 |
| Loan loss allowance to noncurrent loans | 294.9555% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 2,996 |
| Noncurrent loans to loans | 0.4549% | 2,954 |
| Net loans and leases to total assets | 71.4529% | 2,265 |
| Net loans and leases to deposits | 80.7896% | 2,754 |
| Net loans and leases to core deposits | 88.1200% | 2,669 |
| Total domestic deposits to total assets | 88.4431% | 1,110 |
| Equity capital to assets | 11.3614% | 2,514 |
| Core capital (leverage) ratio | 10.2630% | 3,314 |
| Tier 1 risk-based capital ratio | 16.3475% | 2,318 |
| Total risk-based capital ratio | 17.6015% | 2,263 |
| Memoranda: | ||
| Average total assets | $101,611,500 | 4,079 |
| Average earning assets | $97,959,500 | 4,005 |
| Average equity | $11,774,500 | 4,091 |
| Average total loans | $74,362,000 | 3,796 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 3,275 |
| Cost of funding earning assets | 0.3395% | 4,350 |
| Net interest margin | 3.9106% | 2,296 |
| Noninterest income to average assets | 0.4488% | 3,109 |
| Noninterest expense to average assets | 2.6054% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5660% | 956 |
| Return on assets (ROA) | 1.5660% | 949 |
| Pretax return on assets | 1.6073% | 1,447 |
| Return on Equity (ROE) | 13.8869% | 1,072 |
| Retained earnings to average equity (ytd only) | 5.9004% | 2,242 |
| Net charge-offs to loans | -0.0354% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6729% | 3,917 |
| Assets per employee ($millions) | 6.3081% | 1,313 |
| Cash dividends to net income (ytd only)* | 57.5110% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,873 |
| Loan loss allowance to noncurrent loans | 198.4127% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 1,966 |
| Noncurrent loans to loans | 0.6753% | 2,307 |
| Net loans and leases to total assets | 72.9602% | 2,107 |
| Net loans and leases to deposits | 82.9089% | 2,630 |
| Net loans and leases to core deposits | 89.1027% | 2,641 |
| Total domestic deposits to total assets | 88.0005% | 1,295 |
| Equity capital to assets | 11.8172% | 2,016 |
| Core capital (leverage) ratio | 10.6710% | 2,865 |
| Tier 1 risk-based capital ratio | 16.7633% | 2,149 |
| Total risk-based capital ratio | 18.0162% | 2,095 |
| Memoranda: | ||
| Average total assets | $101,597,400 | 4,073 |
| Average earning assets | $97,784,400 | 4,008 |
| Average equity | $11,456,800 | 4,091 |
| Average total loans | $76,237,800 | 3,746 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 3,232 |
| Cost of funding earning assets | 0.3266% | 4,332 |
| Net interest margin | 3.8967% | 2,315 |
| Noninterest income to average assets | 0.4730% | 3,028 |
| Noninterest expense to average assets | 2.5483% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6351% | 884 |
| Return on assets (ROA) | 1.6351% | 888 |
| Pretax return on assets | 1.6757% | 1,330 |
| Return on Equity (ROE) | 14.6743% | 942 |
| Retained earnings to average equity (ytd only) | 4.9150% | 3,283 |
| Net charge-offs to loans | -0.0539% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1576% | 4,094 |
| Assets per employee ($millions) | 6.1571% | 1,377 |
| Cash dividends to net income (ytd only)* | 66.5064% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,925 |
| Loan loss allowance to noncurrent loans | 195.3307% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 2,029 |
| Noncurrent loans to loans | 0.6846% | 2,370 |
| Net loans and leases to total assets | 75.1921% | 1,782 |
| Net loans and leases to deposits | 85.3141% | 2,444 |
| Net loans and leases to core deposits | 92.1880% | 2,461 |
| Total domestic deposits to total assets | 88.1356% | 1,185 |
| Equity capital to assets | 11.7924% | 2,036 |
| Core capital (leverage) ratio | 10.4313% | 3,151 |
| Tier 1 risk-based capital ratio | 16.1320% | 2,391 |
| Total risk-based capital ratio | 17.3856% | 2,338 |
| Memoranda: | ||
| Average total assets | $101,764,500 | 4,112 |
| Average earning assets | $97,961,250 | 4,045 |
| Average equity | $11,339,250 | 4,150 |
| Average total loans | $76,637,750 | 3,768 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 3,246 |
| Cost of funding earning assets | 0.3028% | 4,396 |
| Net interest margin | 3.8561% | 2,356 |
| Noninterest income to average assets | 0.5075% | 2,815 |
| Noninterest expense to average assets | 2.6174% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5654% | 999 |
| Return on assets (ROA) | 1.5654% | 1,007 |
| Pretax return on assets | 1.6043% | 1,489 |
| Return on Equity (ROE) | 14.3153% | 1,005 |
| Retained earnings to average equity (ytd only) | 4.5347% | 3,326 |
| Net charge-offs to loans | -0.2981% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8802% | 3,955 |
| Assets per employee ($millions) | 6.3641% | 1,231 |
| Cash dividends to net income (ytd only)* | 68.3230% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,655 |
| Loan loss allowance to noncurrent loans | 174.6388% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 2,335 |
| Noncurrent loans to loans | 0.8176% | 2,091 |
| Net loans and leases to total assets | 73.7658% | 1,984 |
| Net loans and leases to deposits | 83.1897% | 2,625 |
| Net loans and leases to core deposits | 88.2124% | 2,699 |
| Total domestic deposits to total assets | 88.6717% | 1,069 |
| Equity capital to assets | 11.2733% | 2,385 |
| Core capital (leverage) ratio | 10.1583% | 3,409 |
| Tier 1 risk-based capital ratio | 15.4786% | 2,646 |
| Total risk-based capital ratio | 16.7334% | 2,586 |
| Memoranda: | ||
| Average total assets | $102,848,330 | 4,133 |
| Average earning assets | $99,063,330 | 4,068 |
| Average equity | $11,246,670 | 4,195 |
| Average total loans | $77,157,670 | 3,773 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,633 |
| Cost of funding earning assets | 0.2898% | 4,416 |
| Net interest margin | 3.7025% | 2,786 |
| Noninterest income to average assets | 0.5379% | 2,589 |
| Noninterest expense to average assets | 2.8560% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1958% | 2,024 |
| Return on assets (ROA) | 1.1958% | 2,039 |
| Pretax return on assets | 1.2423% | 2,589 |
| Return on Equity (ROE) | 11.1046% | 1,924 |
| Retained earnings to average equity (ytd only) | -8.6609% | 5,323 |
| Net charge-offs to loans | -0.5616% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5165% | 2,914 |
| Assets per employee ($millions) | 6.0411% | 1,485 |
| Cash dividends to net income (ytd only)* | 177.9935% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,657 |
| Loan loss allowance to noncurrent loans | 93.5986% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 1,297 |
| Noncurrent loans to loans | 1.5493% | 1,130 |
| Net loans and leases to total assets | 71.6022% | 2,240 |
| Net loans and leases to deposits | 80.2773% | 2,776 |
| Net loans and leases to core deposits | 83.0283% | 3,063 |
| Total domestic deposits to total assets | 89.1936% | 1,010 |
| Equity capital to assets | 10.7052% | 2,864 |
| Core capital (leverage) ratio | 9.6417% | 3,913 |
| Tier 1 risk-based capital ratio | 15.0389% | 2,846 |
| Total risk-based capital ratio | 16.2934% | 2,782 |
| Memoranda: | ||
| Average total assets | $103,360,000 | 4,169 |
| Average earning assets | $99,392,500 | 4,107 |
| Average equity | $11,130,500 | 4,261 |
| Average total loans | $77,636,500 | 3,792 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,276 |
| Cost of funding earning assets | 0.4058% | 3,195 |
| Net interest margin | 3.6342% | 3,046 |
| Noninterest income to average assets | 0.3484% | 3,971 |
| Noninterest expense to average assets | 2.1681% | 4,604 |
| Loan and lease loss provision to assets | 0.4139% | 348 |
| Net operating income to assets | 1.2139% | 1,474 |
| Return on assets (ROA) | 1.2057% | 1,536 |
| Pretax return on assets | 1.2761% | 2,447 |
| Return on Equity (ROE) | 11.3827% | 1,365 |
| Retained earnings to average equity (ytd only) | -9.9016% | 5,530 |
| Net charge-offs to loans | 0.5863% | 391 |
| Credit loss provision to net charge-offs | 84.8101% | 2,873 |
| Earnings coverage of net charge-offs (x) | 3.4810% | 3,599 |
| Efficiency ratio | 55.0479% | 4,857 |
| Assets per employee ($millions) | 6.9348% | 997 |
| Cash dividends to net income (ytd only)* | 186.9877% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,736 |
| Loan loss allowance to noncurrent loans | 151.7941% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 2,362 |
| Noncurrent loans to loans | 0.7947% | 2,227 |
| Net loans and leases to total assets | 76.6030% | 1,494 |
| Net loans and leases to deposits | 87.9495% | 2,025 |
| Net loans and leases to core deposits | 90.9458% | 2,472 |
| Total domestic deposits to total assets | 87.0989% | 1,941 |
| Equity capital to assets | 10.8314% | 2,804 |
| Core capital (leverage) ratio | 9.5315% | 4,002 |
| Tier 1 risk-based capital ratio | 14.2593% | 3,219 |
| Total risk-based capital ratio | 15.5108% | 3,114 |
| Memoranda: | ||
| Average total assets | $80,947,000 | 4,569 |
| Average earning assets | $78,365,600 | 4,488 |
| Average equity | $8,574,400 | 4,691 |
| Average total loans | $67,366,400 | 4,024 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,714 |
| Cost of funding earning assets | 0.4220% | 2,970 |
| Net interest margin | 3.4672% | 3,614 |
| Noninterest income to average assets | 0.2625% | 4,630 |
| Noninterest expense to average assets | 1.9988% | 4,958 |
| Loan and lease loss provision to assets | 0.0443% | 3,211 |
| Net operating income to assets | 1.5110% | 869 |
| Return on assets (ROA) | 1.5110% | 896 |
| Pretax return on assets | 1.5855% | 1,472 |
| Return on Equity (ROE) | 14.3771% | 759 |
| Retained earnings to average equity (ytd only) | -15.1533% | 5,663 |
| Net charge-offs to loans | 0.0021% | 3,694 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 921.2782% | 108 |
| Efficiency ratio | 55.0831% | 4,840 |
| Assets per employee ($millions) | 6.5832% | 1,137 |
| Cash dividends to net income (ytd only)* | 205.3998% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 1,158 |
| Loan loss allowance to noncurrent loans | 264.3678% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 2,925 |
| Noncurrent loans to loans | 0.6197% | 2,856 |
| Net loans and leases to total assets | 78.6616% | 1,170 |
| Net loans and leases to deposits | 92.0223% | 1,562 |
| Net loans and leases to core deposits | 94.8682% | 2,184 |
| Total domestic deposits to total assets | 85.4810% | 2,523 |
| Equity capital to assets | 9.5167% | 4,427 |
| Core capital (leverage) ratio | 12.3884% | 1,464 |
| Tier 1 risk-based capital ratio | 13.7013% | 3,577 |
| Total risk-based capital ratio | 14.9589% | 3,507 |
| Memoranda: | ||
| Average total assets | $75,178,250 | 4,735 |
| Average earning assets | $72,986,000 | 4,646 |
| Average equity | $7,901,250 | 4,845 |
| Average total loans | $64,043,750 | 4,132 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,585 |
| Cost of funding earning assets | 0.4640% | 2,462 |
| Net interest margin | 3.7054% | 2,640 |
| Noninterest income to average assets | 0.2764% | 4,571 |
| Noninterest expense to average assets | 2.3185% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4710% | 913 |
| Return on assets (ROA) | 1.4710% | 934 |
| Pretax return on assets | 1.5631% | 1,449 |
| Return on Equity (ROE) | 13.3173% | 957 |
| Retained earnings to average equity (ytd only) | -3.3641% | 5,458 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7310% | 4,354 |
| Assets per employee ($millions) | 7.2087% | 843 |
| Cash dividends to net income (ytd only)* | 125.2610% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,676 |
| Loan loss allowance to noncurrent loans | 242.4125% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 3,528 |
| Noncurrent loans to loans | 0.4472% | 3,410 |
| Net loans and leases to total assets | 87.6198% | 170 |
| Net loans and leases to deposits | 113.4696% | 202 |
| Net loans and leases to core deposits | 119.9156% | 562 |
| Total domestic deposits to total assets | 77.2188% | 4,925 |
| Equity capital to assets | 11.1687% | 2,635 |
| Core capital (leverage) ratio | 11.3310% | 2,101 |
| Tier 1 risk-based capital ratio | 14.7822% | 3,022 |
| Total risk-based capital ratio | 16.0313% | 2,956 |
| Memoranda: | ||
| Average total assets | $65,127,330 | 4,948 |
| Average earning assets | $63,367,000 | 4,880 |
| Average equity | $7,193,670 | 4,984 |
| Average total loans | $57,313,330 | 4,327 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 2,349 |
| Cost of funding earning assets | 0.4607% | 2,424 |
| Net interest margin | 3.7169% | 2,429 |
| Noninterest income to average assets | 0.2697% | 4,613 |
| Noninterest expense to average assets | 2.5011% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2996% | 1,244 |
| Return on assets (ROA) | 1.2996% | 1,278 |
| Pretax return on assets | 1.3793% | 1,951 |
| Return on Equity (ROE) | 11.8312% | 1,293 |
| Retained earnings to average equity (ytd only) | -21.6533% | 5,750 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4550% | 3,763 |
| Assets per employee ($millions) | 7.2657% | 833 |
| Cash dividends to net income (ytd only)* | 283.0189% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,656 |
| Loan loss allowance to noncurrent loans | 241.4729% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,621 |
| Noncurrent loans to loans | 0.4598% | 3,452 |
| Net loans and leases to total assets | 84.8588% | 300 |
| Net loans and leases to deposits | 107.8020% | 264 |
| Net loans and leases to core deposits | 112.3916% | 755 |
| Total domestic deposits to total assets | 78.7173% | 4,876 |
| Equity capital to assets | 10.6697% | 2,991 |
| Core capital (leverage) ratio | 10.7160% | 2,676 |
| Tier 1 risk-based capital ratio | 14.9815% | 2,970 |
| Total risk-based capital ratio | 16.2336% | 2,899 |
| Memoranda: | ||
| Average total assets | $65,252,000 | 4,999 |
| Average earning assets | $63,386,500 | 4,932 |
| Average equity | $7,167,500 | 5,032 |
| Average total loans | $57,235,500 | 4,374 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 2,676 |
| Cost of funding earning assets | 0.4873% | 2,191 |
| Net interest margin | 3.6583% | 2,865 |
| Noninterest income to average assets | 0.3289% | 4,384 |
| Noninterest expense to average assets | 2.1847% | 4,809 |
| Loan and lease loss provision to assets | 0.0232% | 3,907 |
| Net operating income to assets | 1.6029% | 677 |
| Return on assets (ROA) | 1.6088% | 688 |
| Pretax return on assets | 1.6736% | 1,068 |
| Return on Equity (ROE) | 14.6628% | 677 |
| Retained earnings to average equity (ytd only) | 3.4054% | 3,500 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3745% | 5,028 |
| Assets per employee ($millions) | 7.2348% | 827 |
| Cash dividends to net income (ytd only)* | 76.7754% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,908 |
| Loan loss allowance to noncurrent loans | 235.9848% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,652 |
| Noncurrent loans to loans | 0.4524% | 3,530 |
| Net loans and leases to total assets | 88.6689% | 108 |
| Net loans and leases to deposits | 113.6203% | 165 |
| Net loans and leases to core deposits | 119.5218% | 498 |
| Total domestic deposits to total assets | 78.0397% | 4,974 |
| Equity capital to assets | 11.3004% | 2,327 |
| Core capital (leverage) ratio | 11.3198% | 2,066 |
| Tier 1 risk-based capital ratio | 14.9702% | 2,975 |
| Total risk-based capital ratio | 16.2204% | 2,915 |
| Memoranda: | ||
| Average total assets | $64,769,400 | 5,031 |
| Average earning assets | $62,789,000 | 4,965 |
| Average equity | $7,106,400 | 5,075 |
| Average total loans | $56,783,800 | 4,389 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,791 |
| Cost of funding earning assets | 0.4888% | 2,186 |
| Net interest margin | 3.6339% | 2,947 |
| Noninterest income to average assets | 0.3319% | 4,418 |
| Noninterest expense to average assets | 2.2221% | 4,712 |
| Loan and lease loss provision to assets | 0.0103% | 4,035 |
| Net operating income to assets | 1.5607% | 780 |
| Return on assets (ROA) | 1.5686% | 809 |
| Pretax return on assets | 1.6325% | 1,296 |
| Return on Equity (ROE) | 14.4053% | 753 |
| Retained earnings to average equity (ytd only) | -0.7383% | 5,468 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6162% | 4,871 |
| Assets per employee ($millions) | 7.3482% | 773 |
| Cash dividends to net income (ytd only)* | 105.1250% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,091 |
| Loan loss allowance to noncurrent loans | 224.5421% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,775 |
| Noncurrent loans to loans | 0.4704% | 3,602 |
| Net loans and leases to total assets | 86.8222% | 196 |
| Net loans and leases to deposits | 109.1637% | 275 |
| Net loans and leases to core deposits | 114.0443% | 719 |
| Total domestic deposits to total assets | 79.5340% | 4,611 |
| Equity capital to assets | 10.7282% | 3,332 |
| Core capital (leverage) ratio | 10.8670% | 2,608 |
| Tier 1 risk-based capital ratio | 14.5123% | 3,281 |
| Total risk-based capital ratio | 15.7621% | 3,214 |
| Memoranda: | ||
| Average total assets | $64,683,500 | 5,082 |
| Average earning assets | $62,740,500 | 5,008 |
| Average equity | $7,043,500 | 5,133 |
| Average total loans | $56,390,250 | 4,433 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 2,912 |
| Cost of funding earning assets | 0.4882% | 2,206 |
| Net interest margin | 3.6003% | 3,096 |
| Noninterest income to average assets | 0.3240% | 4,465 |
| Noninterest expense to average assets | 2.3022% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4491% | 971 |
| Return on assets (ROA) | 1.4611% | 1,004 |
| Pretax return on assets | 1.5265% | 1,600 |
| Return on Equity (ROE) | 13.3498% | 951 |
| Retained earnings to average equity (ytd only) | -0.8824% | 5,425 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3265% | 4,600 |
| Assets per employee ($millions) | 7.1518% | 819 |
| Cash dividends to net income (ytd only)* | 106.6098% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 4,028 |
| Loan loss allowance to noncurrent loans | 216.3701% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 3,766 |
| Noncurrent loans to loans | 0.5015% | 3,577 |
| Net loans and leases to total assets | 86.1045% | 244 |
| Net loans and leases to deposits | 109.9403% | 253 |
| Net loans and leases to core deposits | 114.4468% | 705 |
| Total domestic deposits to total assets | 78.3193% | 4,935 |
| Equity capital to assets | 11.0400% | 3,019 |
| Core capital (leverage) ratio | 11.1123% | 2,315 |
| Tier 1 risk-based capital ratio | 15.1349% | 3,017 |
| Total risk-based capital ratio | 16.3856% | 2,945 |
| Memoranda: | ||
| Average total assets | $64,200,000 | 5,143 |
| Average earning assets | $62,272,330 | 5,065 |
| Average equity | $7,026,330 | 5,189 |
| Average total loans | $55,843,000 | 4,476 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 2,656 |
| Cost of funding earning assets | 0.4960% | 2,142 |
| Net interest margin | 3.6526% | 2,878 |
| Noninterest income to average assets | 0.3119% | 4,502 |
| Noninterest expense to average assets | 2.5079% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2852% | 1,291 |
| Return on assets (ROA) | 1.2852% | 1,376 |
| Pretax return on assets | 1.3413% | 2,133 |
| Return on Equity (ROE) | 11.7942% | 1,370 |
| Retained earnings to average equity (ytd only) | -16.8325% | 5,929 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1540% | 3,948 |
| Assets per employee ($millions) | 7.1704% | 824 |
| Cash dividends to net income (ytd only)* | 242.7184% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 4,096 |
| Loan loss allowance to noncurrent loans | 208.9347% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 3,786 |
| Noncurrent loans to loans | 0.5225% | 3,620 |
| Net loans and leases to total assets | 85.3674% | 268 |
| Net loans and leases to deposits | 111.8735% | 187 |
| Net loans and leases to core deposits | 115.9493% | 592 |
| Total domestic deposits to total assets | 76.3071% | 5,376 |
| Equity capital to assets | 10.6022% | 3,369 |
| Core capital (leverage) ratio | 10.5911% | 2,860 |
| Tier 1 risk-based capital ratio | 14.5249% | 3,380 |
| Total risk-based capital ratio | 15.7757% | 3,318 |
| Memoranda: | ||
| Average total assets | $64,117,000 | 5,194 |
| Average earning assets | $62,092,000 | 5,116 |
| Average equity | $6,986,500 | 5,234 |
| Average total loans | $55,749,500 | 4,503 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,584 |
| Cost of funding earning assets | 0.4735% | 2,409 |
| Net interest margin | 3.7202% | 2,676 |
| Noninterest income to average assets | 0.3377% | 4,493 |
| Noninterest expense to average assets | 2.2802% | 4,846 |
| Loan and lease loss provision to assets | 0.0656% | 2,975 |
| Net operating income to assets | 1.5278% | 816 |
| Return on assets (ROA) | 1.5278% | 848 |
| Pretax return on assets | 1.5983% | 1,253 |
| Return on Equity (ROE) | 13.3150% | 993 |
| Retained earnings to average equity (ytd only) | 2.1716% | 4,485 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8138% | 5,163 |
| Assets per employee ($millions) | 7.0778% | 865 |
| Cash dividends to net income (ytd only)* | 83.6910% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 4,102 |
| Loan loss allowance to noncurrent loans | 249.1803% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 4,064 |
| Noncurrent loans to loans | 0.4373% | 3,898 |
| Net loans and leases to total assets | 86.6436% | 187 |
| Net loans and leases to deposits | 118.6185% | 114 |
| Net loans and leases to core deposits | 120.3410% | 468 |
| Total domestic deposits to total assets | 73.0440% | 5,721 |
| Equity capital to assets | 11.1947% | 2,638 |
| Core capital (leverage) ratio | 11.2649% | 2,148 |
| Tier 1 risk-based capital ratio | 15.0260% | 3,172 |
| Total risk-based capital ratio | 16.2771% | 3,101 |
| Memoranda: | ||
| Average total assets | $61,003,400 | 5,296 |
| Average earning assets | $59,136,200 | 5,212 |
| Average equity | $6,999,600 | 5,243 |
| Average total loans | $53,971,000 | 4,556 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,619 |
| Cost of funding earning assets | 0.4737% | 2,463 |
| Net interest margin | 3.7145% | 2,700 |
| Noninterest income to average assets | 0.3448% | 4,466 |
| Noninterest expense to average assets | 2.3404% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5382% | 868 |
| Return on assets (ROA) | 1.5382% | 907 |
| Pretax return on assets | 1.6089% | 1,356 |
| Return on Equity (ROE) | 13.3201% | 1,056 |
| Retained earnings to average equity (ytd only) | 2.2200% | 4,771 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2613% | 4,972 |
| Assets per employee ($millions) | 6.9729% | 884 |
| Cash dividends to net income (ytd only)* | 83.3326% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 4,627 |
| Loan loss allowance to noncurrent loans | 223.6220% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 4,156 |
| Noncurrent loans to loans | 0.4575% | 3,989 |
| Net loans and leases to total assets | 87.5582% | 160 |
| Net loans and leases to deposits | 119.1620% | 113 |
| Net loans and leases to core deposits | 121.9874% | 424 |
| Total domestic deposits to total assets | 73.4782% | 5,753 |
| Equity capital to assets | 11.3105% | 2,691 |
| Core capital (leverage) ratio | 11.5285% | 2,013 |
| Tier 1 risk-based capital ratio | 15.1052% | 3,245 |
| Total risk-based capital ratio | 16.3160% | 3,201 |
| Memoranda: | ||
| Average total assets | $60,329,250 | 5,383 |
| Average earning assets | $58,543,750 | 5,291 |
| Average equity | $6,966,750 | 5,314 |
| Average total loans | $53,513,750 | 4,616 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 2,698 |
| Cost of funding earning assets | 0.4737% | 2,482 |
| Net interest margin | 3.6823% | 2,787 |
| Noninterest income to average assets | 0.3259% | 4,617 |
| Noninterest expense to average assets | 2.4765% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3609% | 1,163 |
| Return on assets (ROA) | 1.3609% | 1,208 |
| Pretax return on assets | 1.4281% | 1,873 |
| Return on Equity (ROE) | 11.7001% | 1,474 |
| Retained earnings to average equity (ytd only) | 1.0111% | 5,166 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4251% | 4,440 |
| Assets per employee ($millions) | 6.6638% | 978 |
| Cash dividends to net income (ytd only)* | 91.3580% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 4,576 |
| Loan loss allowance to noncurrent loans | 219.3050% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 4,194 |
| Noncurrent loans to loans | 0.4810% | 4,029 |
| Net loans and leases to total assets | 88.8435% | 102 |
| Net loans and leases to deposits | 117.1081% | 135 |
| Net loans and leases to core deposits | 120.6344% | 452 |
| Total domestic deposits to total assets | 75.8645% | 5,612 |
| Equity capital to assets | 11.6951% | 2,254 |
| Core capital (leverage) ratio | 11.8436% | 1,750 |
| Tier 1 risk-based capital ratio | 15.5363% | 3,083 |
| Total risk-based capital ratio | 16.7850% | 3,032 |
| Memoranda: | ||
| Average total assets | $59,520,330 | 5,459 |
| Average earning assets | $57,844,000 | 5,370 |
| Average equity | $6,923,000 | 5,370 |
| Average total loans | $52,846,330 | 4,677 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 2,662 |
| Cost of funding earning assets | 0.4719% | 2,542 |
| Net interest margin | 3.6710% | 2,730 |
| Noninterest income to average assets | 0.3103% | 4,705 |
| Noninterest expense to average assets | 2.7322% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0794% | 1,937 |
| Return on assets (ROA) | 1.0794% | 2,055 |
| Pretax return on assets | 1.1468% | 2,879 |
| Return on Equity (ROE) | 9.3057% | 2,314 |
| Retained earnings to average equity (ytd only) | -12.2137% | 6,179 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4348% | 3,403 |
| Assets per employee ($millions) | 6.5048% | 1,073 |
| Cash dividends to net income (ytd only)* | 231.2500% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 4,645 |
| Loan loss allowance to noncurrent loans | 211.9403% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 4,203 |
| Noncurrent loans to loans | 0.5062% | 4,065 |
| Net loans and leases to total assets | 89.4590% | 67 |
| Net loans and leases to deposits | 108.3858% | 247 |
| Net loans and leases to core deposits | 111.4464% | 683 |
| Total domestic deposits to total assets | 82.5376% | 4,335 |
| Equity capital to assets | 11.5744% | 2,398 |
| Core capital (leverage) ratio | 11.0863% | 2,328 |
| Tier 1 risk-based capital ratio | 15.2965% | 3,264 |
| Total risk-based capital ratio | 16.5456% | 3,194 |
| Memoranda: | ||
| Average total assets | $59,293,500 | 5,513 |
| Average earning assets | $57,641,000 | 5,433 |
| Average equity | $6,877,500 | 5,430 |
| Average total loans | $52,344,000 | 4,723 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,177 |
| Cost of funding earning assets | 0.5228% | 2,466 |
| Net interest margin | 3.8914% | 2,273 |
| Noninterest income to average assets | 0.3904% | 4,262 |
| Noninterest expense to average assets | 2.1620% | 5,427 |
| Loan and lease loss provision to assets | 0.1501% | 1,749 |
| Net operating income to assets | 1.7473% | 524 |
| Return on assets (ROA) | 1.7557% | 527 |
| Pretax return on assets | 1.8211% | 757 |
| Return on Equity (ROE) | 17.1438% | 476 |
| Retained earnings to average equity (ytd only) | 3.3460% | 3,832 |
| Net charge-offs to loans | 0.0364% | 4,109 |
| Credit loss provision to net charge-offs | 472.2222% | 557 |
| Earnings coverage of net charge-offs (x) | 61.7222% | 774 |
| Efficiency ratio | 52.4197% | 5,955 |
| Assets per employee ($millions) | 6.6716% | 966 |
| Cash dividends to net income (ytd only)* | 80.4829% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 4,550 |
| Loan loss allowance to noncurrent loans | 205.7971% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 4,282 |
| Noncurrent loans to loans | 0.5334% | 4,064 |
| Net loans and leases to total assets | 85.2375% | 260 |
| Net loans and leases to deposits | 109.7553% | 243 |
| Net loans and leases to core deposits | 111.3335% | 719 |
| Total domestic deposits to total assets | 77.6614% | 5,495 |
| Equity capital to assets | 11.6231% | 2,324 |
| Core capital (leverage) ratio | 11.4963% | 1,972 |
| Tier 1 risk-based capital ratio | 16.1208% | 2,909 |
| Total risk-based capital ratio | 17.3675% | 2,849 |
| Memoranda: | ||
| Average total assets | $56,614,000 | 5,636 |
| Average earning assets | $54,324,600 | 5,564 |
| Average equity | $5,798,000 | 5,663 |
| Average total loans | $49,486,200 | 4,836 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,099 |
| Cost of funding earning assets | 0.5324% | 2,444 |
| Net interest margin | 3.9018% | 2,237 |
| Noninterest income to average assets | 0.3826% | 4,379 |
| Noninterest expense to average assets | 2.2072% | 5,333 |
| Loan and lease loss provision to assets | 0.2033% | 1,160 |
| Net operating income to assets | 1.6380% | 689 |
| Return on assets (ROA) | 1.6380% | 714 |
| Pretax return on assets | 1.7050% | 1,054 |
| Return on Equity (ROE) | 16.5973% | 608 |
| Retained earnings to average equity (ytd only) | -2.7864% | 6,126 |
| Net charge-offs to loans | 0.0491% | 3,520 |
| Credit loss provision to net charge-offs | 472.2222% | 603 |
| Earnings coverage of net charge-offs (x) | 44.3321% | 1,058 |
| Efficiency ratio | 53.6316% | 5,864 |
| Assets per employee ($millions) | 6.4579% | 1,045 |
| Cash dividends to net income (ytd only)* | 116.7884% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 4,776 |
| Loan loss allowance to noncurrent loans | 201.4184% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 4,013 |
| Noncurrent loans to loans | 0.5431% | 4,298 |
| Net loans and leases to total assets | 88.3622% | 99 |
| Net loans and leases to deposits | 119.2934% | 106 |
| Net loans and leases to core deposits | 121.1507% | 371 |
| Total domestic deposits to total assets | 74.0713% | 6,011 |
| Equity capital to assets | 9.7658% | 4,463 |
| Core capital (leverage) ratio | 9.7848% | 3,951 |
| Tier 1 risk-based capital ratio | 12.9297% | 4,907 |
| Total risk-based capital ratio | 14.1790% | 4,823 |
| Memoranda: | ||
| Average total assets | $55,756,500 | 5,717 |
| Average earning assets | $53,341,250 | 5,652 |
| Average equity | $5,502,750 | 5,801 |
| Average total loans | $48,920,750 | 4,904 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 2,169 |
| Cost of funding earning assets | 0.5413% | 2,423 |
| Net interest margin | 3.8614% | 2,323 |
| Noninterest income to average assets | 0.3784% | 4,422 |
| Noninterest expense to average assets | 2.3177% | 5,110 |
| Loan and lease loss provision to assets | 0.2183% | 1,068 |
| Net operating income to assets | 1.4627% | 943 |
| Return on assets (ROA) | 1.4627% | 984 |
| Pretax return on assets | 1.5282% | 1,456 |
| Return on Equity (ROE) | 14.7658% | 830 |
| Retained earnings to average equity (ytd only) | -14.6189% | 6,487 |
| Net charge-offs to loans | 0.0083% | 4,112 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 283 |
| Efficiency ratio | 57.0278% | 5,654 |
| Assets per employee ($millions) | 6.3542% | 1,088 |
| Cash dividends to net income (ytd only)* | 199.0050% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 4,864 |
| Loan loss allowance to noncurrent loans | 173.6025% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 3,321 |
| Noncurrent loans to loans | 0.6388% | 4,110 |
| Net loans and leases to total assets | 87.1651% | 123 |
| Net loans and leases to deposits | 116.2419% | 116 |
| Net loans and leases to core deposits | 118.0561% | 423 |
| Total domestic deposits to total assets | 74.9860% | 6,027 |
| Equity capital to assets | 9.4355% | 4,805 |
| Core capital (leverage) ratio | 9.7504% | 3,964 |
| Tier 1 risk-based capital ratio | 12.2445% | 5,384 |
| Total risk-based capital ratio | 13.4942% | 5,309 |
| Memoranda: | ||
| Average total assets | $54,968,330 | 5,787 |
| Average earning assets | $52,468,330 | 5,718 |
| Average equity | $5,445,000 | 5,852 |
| Average total loans | $47,919,330 | 4,965 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,080 |
| Cost of funding earning assets | 0.5607% | 2,336 |
| Net interest margin | 3.8549% | 2,255 |
| Noninterest income to average assets | 0.3491% | 4,581 |
| Noninterest expense to average assets | 2.5177% | 4,558 |
| Loan and lease loss provision to assets | 0.1485% | 1,638 |
| Net operating income to assets | 1.2997% | 1,211 |
| Return on assets (ROA) | 1.2997% | 1,258 |
| Pretax return on assets | 1.3591% | 1,884 |
| Return on Equity (ROE) | 12.7982% | 1,211 |
| Retained earnings to average equity (ytd only) | -45.7080% | 6,667 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5461% | 5,058 |
| Assets per employee ($millions) | 6.1172% | 1,229 |
| Cash dividends to net income (ytd only)* | 457.1429% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,180 |
| Loan loss allowance to noncurrent loans | 166.9872% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 4,021 |
| Noncurrent loans to loans | 0.6498% | 4,236 |
| Net loans and leases to total assets | 86.2610% | 132 |
| Net loans and leases to deposits | 103.8418% | 297 |
| Net loans and leases to core deposits | 104.4332% | 830 |
| Total domestic deposits to total assets | 83.0697% | 4,586 |
| Equity capital to assets | 9.3761% | 4,656 |
| Core capital (leverage) ratio | 9.3858% | 4,446 |
| Tier 1 risk-based capital ratio | 12.4867% | 5,322 |
| Total risk-based capital ratio | 13.7375% | 5,261 |
| Memoranda: | ||
| Average total assets | $53,858,500 | 5,868 |
| Average earning assets | $51,363,000 | 5,802 |
| Average equity | $5,469,500 | 5,875 |
| Average total loans | $46,675,500 | 5,058 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 2,159 |
| Cost of funding earning assets | 0.5805% | 2,832 |
| Net interest margin | 3.9323% | 2,168 |
| Noninterest income to average assets | 0.3815% | 4,579 |
| Noninterest expense to average assets | 2.2701% | 5,460 |
| Loan and lease loss provision to assets | 0.0283% | 4,548 |
| Net operating income to assets | 1.7300% | 555 |
| Return on assets (ROA) | 1.7300% | 573 |
| Pretax return on assets | 1.8187% | 722 |
| Return on Equity (ROE) | 17.0134% | 498 |
| Retained earnings to average equity (ytd only) | 9.5840% | 654 |
| Net charge-offs to loans | -0.0115% | 6,039 |
| Credit loss provision to net charge-offs | -300.0000% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1376% | 6,035 |
| Assets per employee ($millions) | 5.8513% | 1,370 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,121 |
| Loan loss allowance to noncurrent loans | 149.5522% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 3,959 |
| Noncurrent loans to loans | 0.7389% | 4,111 |
| Net loans and leases to total assets | 85.1430% | 195 |
| Net loans and leases to deposits | 105.6802% | 269 |
| Net loans and leases to core deposits | 106.3293% | 776 |
| Total domestic deposits to total assets | 80.5666% | 5,302 |
| Equity capital to assets | 10.9700% | 2,638 |
| Core capital (leverage) ratio | 10.9579% | 2,429 |
| Tier 1 risk-based capital ratio | 14.8916% | 3,726 |
| Total risk-based capital ratio | 16.1420% | 3,672 |
| Memoranda: | ||
| Average total assets | $52,949,400 | 5,940 |
| Average earning assets | $50,301,600 | 5,877 |
| Average equity | $5,384,000 | 5,966 |
| Average total loans | $43,560,200 | 5,216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 2,277 |
| Cost of funding earning assets | 0.5792% | 3,004 |
| Net interest margin | 3.9093% | 2,237 |
| Noninterest income to average assets | 0.3747% | 4,712 |
| Noninterest expense to average assets | 2.3235% | 5,262 |
| Loan and lease loss provision to assets | 0.0126% | 4,749 |
| Net operating income to assets | 1.6622% | 665 |
| Return on assets (ROA) | 1.6622% | 701 |
| Pretax return on assets | 1.7552% | 984 |
| Return on Equity (ROE) | 16.6733% | 571 |
| Retained earnings to average equity (ytd only) | 6.5836% | 2,088 |
| Net charge-offs to loans | -0.0093% | 5,877 |
| Credit loss provision to net charge-offs | -166.6667% | 5,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7916% | 5,824 |
| Assets per employee ($millions) | 5.6616% | 1,489 |
| Cash dividends to net income (ytd only)* | 60.5145% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,391 |
| Loan loss allowance to noncurrent loans | 1,438.2353% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 5,817 |
| Noncurrent loans to loans | 0.0753% | 6,111 |
| Net loans and leases to total assets | 87.6124% | 92 |
| Net loans and leases to deposits | 109.0665% | 167 |
| Net loans and leases to core deposits | 109.7583% | 583 |
| Total domestic deposits to total assets | 80.3293% | 5,418 |
| Equity capital to assets | 10.8588% | 2,904 |
| Core capital (leverage) ratio | 10.8863% | 2,580 |
| Tier 1 risk-based capital ratio | 14.2334% | 4,266 |
| Total risk-based capital ratio | 15.4840% | 4,213 |
| Memoranda: | ||
| Average total assets | $53,021,250 | 6,007 |
| Average earning assets | $50,408,750 | 5,943 |
| Average equity | $5,285,750 | 6,064 |
| Average total loans | $43,115,500 | 5,275 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,618 |
| Cost of funding earning assets | 0.5797% | 3,131 |
| Net interest margin | 3.8075% | 2,529 |
| Noninterest income to average assets | 0.3686% | 4,765 |
| Noninterest expense to average assets | 2.3757% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5118% | 881 |
| Return on assets (ROA) | 1.5118% | 946 |
| Pretax return on assets | 1.6124% | 1,334 |
| Return on Equity (ROE) | 15.6054% | 718 |
| Retained earnings to average equity (ytd only) | 0.2306% | 5,786 |
| Net charge-offs to loans | -0.0047% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5705% | 5,532 |
| Assets per employee ($millions) | 5.5886% | 1,505 |
| Cash dividends to net income (ytd only)* | 98.5222% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,409 |
| Loan loss allowance to noncurrent loans | 1,175.6098% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 5,815 |
| Noncurrent loans to loans | 0.0943% | 6,118 |
| Net loans and leases to total assets | 85.5121% | 163 |
| Net loans and leases to deposits | 105.9699% | 222 |
| Net loans and leases to core deposits | 106.6478% | 711 |
| Total domestic deposits to total assets | 80.6947% | 5,425 |
| Equity capital to assets | 10.4519% | 3,370 |
| Core capital (leverage) ratio | 10.2305% | 3,185 |
| Tier 1 risk-based capital ratio | 14.2251% | 4,272 |
| Total risk-based capital ratio | 15.4734% | 4,232 |
| Memoranda: | ||
| Average total assets | $53,710,330 | 6,030 |
| Average earning assets | $51,057,330 | 5,969 |
| Average equity | $5,203,330 | 6,129 |
| Average total loans | $42,443,670 | 5,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,194 |
| Cost of funding earning assets | 0.5713% | 3,366 |
| Net interest margin | 3.6562% | 3,052 |
| Noninterest income to average assets | 0.3104% | 5,209 |
| Noninterest expense to average assets | 2.4252% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2920% | 1,300 |
| Return on assets (ROA) | 1.2920% | 1,400 |
| Pretax return on assets | 1.3498% | 2,044 |
| Return on Equity (ROE) | 13.8317% | 991 |
| Retained earnings to average equity (ytd only) | -17.0772% | 6,790 |
| Net charge-offs to loans | 0.0095% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 216 |
| Efficiency ratio | 64.2447% | 4,971 |
| Assets per employee ($millions) | 6.0329% | 1,236 |
| Cash dividends to net income (ytd only)* | 223.4637% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,411 |
| Loan loss allowance to noncurrent loans | 842.1053% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 5,857 |
| Noncurrent loans to loans | 0.1364% | 6,057 |
| Net loans and leases to total assets | 76.1087% | 828 |
| Net loans and leases to deposits | 92.6693% | 752 |
| Net loans and leases to core deposits | 93.7520% | 1,364 |
| Total domestic deposits to total assets | 82.1294% | 5,147 |
| Equity capital to assets | 9.3340% | 5,089 |
| Core capital (leverage) ratio | 9.1782% | 4,602 |
| Tier 1 risk-based capital ratio | 14.1125% | 4,419 |
| Total risk-based capital ratio | 15.3616% | 4,378 |
| Memoranda: | ||
| Average total assets | $55,417,000 | 6,036 |
| Average earning assets | $52,514,000 | 5,965 |
| Average equity | $5,176,500 | 6,192 |
| Average total loans | $41,919,500 | 5,377 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 2,947 |
| Cost of funding earning assets | 0.7338% | 3,218 |
| Net interest margin | 3.8794% | 2,913 |
| Noninterest income to average assets | 0.4043% | 4,569 |
| Noninterest expense to average assets | 2.3162% | 5,648 |
| Loan and lease loss provision to assets | 0.0289% | 5,532 |
| Net operating income to assets | 1.6911% | 628 |
| Return on assets (ROA) | 1.7078% | 684 |
| Pretax return on assets | 1.7713% | 973 |
| Return on Equity (ROE) | 17.1739% | 516 |
| Retained earnings to average equity (ytd only) | -6.0603% | 6,486 |
| Net charge-offs to loans | 0.0025% | 5,956 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 926.0000% | 35 |
| Efficiency ratio | 56.5054% | 6,005 |
| Assets per employee ($millions) | 6.2820% | 1,116 |
| Cash dividends to net income (ytd only)* | 135.2875% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,369 |
| Loan loss allowance to noncurrent loans | 788.5246% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 5,963 |
| Noncurrent loans to loans | 0.1451% | 6,116 |
| Net loans and leases to total assets | 73.4975% | 1,262 |
| Net loans and leases to deposits | 89.1908% | 1,144 |
| Net loans and leases to core deposits | 90.1858% | 1,814 |
| Total domestic deposits to total assets | 82.4048% | 4,967 |
| Equity capital to assets | 9.3477% | 5,085 |
| Core capital (leverage) ratio | 9.9795% | 3,431 |
| Tier 1 risk-based capital ratio | 14.5638% | 3,982 |
| Total risk-based capital ratio | 15.8153% | 3,942 |
| Memoranda: | ||
| Average total assets | $51,939,600 | 6,149 |
| Average earning assets | $49,466,200 | 6,073 |
| Average equity | $5,164,800 | 6,255 |
| Average total loans | $40,604,000 | 5,480 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 2,944 |
| Cost of funding earning assets | 0.7775% | 3,135 |
| Net interest margin | 3.8876% | 2,958 |
| Noninterest income to average assets | 0.4253% | 4,436 |
| Noninterest expense to average assets | 2.4361% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6538% | 756 |
| Return on assets (ROA) | 1.6538% | 836 |
| Pretax return on assets | 1.7168% | 1,225 |
| Return on Equity (ROE) | 16.3587% | 687 |
| Retained earnings to average equity (ytd only) | -14.8007% | 6,904 |
| Net charge-offs to loans | 0.0066% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 326.5843% | 141 |
| Efficiency ratio | 58.6599% | 5,701 |
| Assets per employee ($millions) | 5.6794% | 1,475 |
| Cash dividends to net income (ytd only)* | 190.4760% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,681 |
| Loan loss allowance to noncurrent loans | 948.9796% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,108 |
| Noncurrent loans to loans | 0.1168% | 6,321 |
| Net loans and leases to total assets | 81.1640% | 418 |
| Net loans and leases to deposits | 100.1739% | 424 |
| Net loans and leases to core deposits | 102.1948% | 972 |
| Total domestic deposits to total assets | 81.0232% | 5,346 |
| Equity capital to assets | 9.8777% | 4,670 |
| Core capital (leverage) ratio | 9.8869% | 3,702 |
| Tier 1 risk-based capital ratio | 13.8571% | 4,642 |
| Total risk-based capital ratio | 15.1065% | 4,602 |
| Memoranda: | ||
| Average total assets | $50,790,000 | 6,263 |
| Average earning assets | $48,700,250 | 6,170 |
| Average equity | $5,134,750 | 6,327 |
| Average total loans | $40,246,250 | 5,563 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 3,137 |
| Cost of funding earning assets | 0.8239% | 3,001 |
| Net interest margin | 3.8270% | 3,233 |
| Noninterest income to average assets | 0.4065% | 4,600 |
| Noninterest expense to average assets | 2.5137% | 5,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4917% | 1,007 |
| Return on assets (ROA) | 1.4917% | 1,125 |
| Pretax return on assets | 1.5587% | 1,676 |
| Return on Equity (ROE) | 14.6417% | 994 |
| Retained earnings to average equity (ytd only) | -31.8399% | 7,106 |
| Net charge-offs to loans | 0.0202% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 98.7500% | 432 |
| Efficiency ratio | 61.7248% | 5,294 |
| Assets per employee ($millions) | 5.5863% | 1,545 |
| Cash dividends to net income (ytd only)* | 317.4603% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,468 |
| Loan loss allowance to noncurrent loans | 771.6667% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,116 |
| Noncurrent loans to loans | 0.1520% | 6,285 |
| Net loans and leases to total assets | 77.6081% | 774 |
| Net loans and leases to deposits | 96.7014% | 588 |
| Net loans and leases to core deposits | 98.7023% | 1,201 |
| Total domestic deposits to total assets | 80.2554% | 5,675 |
| Equity capital to assets | 9.4974% | 5,062 |
| Core capital (leverage) ratio | 9.2324% | 4,552 |
| Tier 1 risk-based capital ratio | 14.1778% | 4,323 |
| Total risk-based capital ratio | 15.4285% | 4,284 |
| Memoranda: | ||
| Average total assets | $50,681,670 | 6,304 |
| Average earning assets | $48,549,330 | 6,215 |
| Average equity | $5,163,330 | 6,347 |
| Average total loans | $39,677,670 | 5,616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 3,139 |
| Cost of funding earning assets | 0.8895% | 2,767 |
| Net interest margin | 3.7888% | 3,443 |
| Noninterest income to average assets | 0.3773% | 4,841 |
| Noninterest expense to average assets | 2.8221% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1084% | 2,048 |
| Return on assets (ROA) | 1.1084% | 2,234 |
| Pretax return on assets | 1.1713% | 3,021 |
| Return on Equity (ROE) | 10.5273% | 2,219 |
| Retained earnings to average equity (ytd only) | -34.2697% | 7,162 |
| Net charge-offs to loans | 0.0905% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 16.5556% | 1,355 |
| Efficiency ratio | 70.6693% | 3,688 |
| Assets per employee ($millions) | 5.9114% | 1,339 |
| Cash dividends to net income (ytd only)* | 425.5319% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,596 |
| Loan loss allowance to noncurrent loans | 738.7097% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 6,255 |
| Noncurrent loans to loans | 0.1595% | 6,363 |
| Net loans and leases to total assets | 72.1971% | 1,367 |
| Net loans and leases to deposits | 89.4673% | 1,013 |
| Net loans and leases to core deposits | 91.2007% | 1,727 |
| Total domestic deposits to total assets | 80.6966% | 5,678 |
| Equity capital to assets | 9.6273% | 4,615 |
| Core capital (leverage) ratio | 9.9380% | 3,445 |
| Tier 1 risk-based capital ratio | 15.3740% | 3,516 |
| Total risk-based capital ratio | 16.6246% | 3,479 |
| Memoranda: | ||
| Average total assets | $50,884,000 | 6,342 |
| Average earning assets | $48,564,500 | 6,257 |
| Average equity | $5,357,500 | 6,316 |
| Average total loans | $39,775,500 | 5,651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 2,133 |
| Cost of funding earning assets | 1.1974% | 2,041 |
| Net interest margin | 3.9869% | 2,950 |
| Noninterest income to average assets | 0.3861% | 4,735 |
| Noninterest expense to average assets | 2.3478% | 5,913 |
| Loan and lease loss provision to assets | 0.0939% | 5,421 |
| Net operating income to assets | 1.6752% | 579 |
| Return on assets (ROA) | 1.7029% | 584 |
| Pretax return on assets | 1.7885% | 820 |
| Return on Equity (ROE) | 15.4242% | 686 |
| Retained earnings to average equity (ytd only) | 4.0829% | 3,284 |
| Net charge-offs to loans | -0.0174% | 6,941 |
| Credit loss provision to net charge-offs | -642.8571% | 6,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8867% | 6,323 |
| Assets per employee ($millions) | 5.3961% | 1,746 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,635 |
| Loan loss allowance to noncurrent loans | 1,037.7778% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,365 |
| Noncurrent loans to loans | 0.1106% | 6,535 |
| Net loans and leases to total assets | 82.8065% | 282 |
| Net loans and leases to deposits | 106.3045% | 238 |
| Net loans and leases to core deposits | 108.6422% | 671 |
| Total domestic deposits to total assets | 77.8956% | 6,215 |
| Equity capital to assets | 11.5165% | 2,492 |
| Core capital (leverage) ratio | 11.1847% | 2,132 |
| Tier 1 risk-based capital ratio | 15.7682% | 3,173 |
| Total risk-based capital ratio | 17.0190% | 3,137 |
| Memoranda: | ||
| Average total assets | $47,917,000 | 6,427 |
| Average earning assets | $45,850,400 | 6,338 |
| Average equity | $5,290,400 | 6,351 |
| Average total loans | $40,208,000 | 5,686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 2,334 |
| Cost of funding earning assets | 1.2443% | 2,029 |
| Net interest margin | 3.9190% | 3,284 |
| Noninterest income to average assets | 0.3853% | 4,768 |
| Noninterest expense to average assets | 2.3452% | 5,918 |
| Loan and lease loss provision to assets | 0.0977% | 5,234 |
| Net operating income to assets | 1.6185% | 752 |
| Return on assets (ROA) | 1.6556% | 764 |
| Pretax return on assets | 1.7450% | 1,052 |
| Return on Equity (ROE) | 15.1618% | 816 |
| Retained earnings to average equity (ytd only) | -0.1789% | 6,005 |
| Net charge-offs to loans | -0.0033% | 6,685 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5276% | 6,205 |
| Assets per employee ($millions) | 5.5290% | 1,573 |
| Cash dividends to net income (ytd only)* | 101.1800% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,858 |
| Loan loss allowance to noncurrent loans | 959.5745% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 6,438 |
| Noncurrent loans to loans | 0.1155% | 6,643 |
| Net loans and leases to total assets | 80.8786% | 435 |
| Net loans and leases to deposits | 102.5611% | 365 |
| Net loans and leases to core deposits | 104.7255% | 938 |
| Total domestic deposits to total assets | 78.8589% | 6,017 |
| Equity capital to assets | 10.7996% | 3,358 |
| Core capital (leverage) ratio | 10.8318% | 2,542 |
| Tier 1 risk-based capital ratio | 15.2809% | 3,503 |
| Total risk-based capital ratio | 16.5324% | 3,469 |
| Memoranda: | ||
| Average total assets | $47,755,000 | 6,487 |
| Average earning assets | $45,861,250 | 6,391 |
| Average equity | $5,214,750 | 6,428 |
| Average total loans | $40,089,500 | 5,740 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 2,155 |
| Cost of funding earning assets | 1.3005% | 1,940 |
| Net interest margin | 3.9281% | 3,177 |
| Noninterest income to average assets | 0.3356% | 5,205 |
| Noninterest expense to average assets | 2.3659% | 5,939 |
| Loan and lease loss provision to assets | 0.0850% | 5,246 |
| Net operating income to assets | 1.5801% | 761 |
| Return on assets (ROA) | 1.5801% | 803 |
| Pretax return on assets | 1.6565% | 1,144 |
| Return on Equity (ROE) | 14.4139% | 898 |
| Retained earnings to average equity (ytd only) | -8.8344% | 6,818 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6008% | 6,215 |
| Assets per employee ($millions) | 6.1141% | 1,122 |
| Cash dividends to net income (ytd only)* | 161.2903% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,971 |
| Loan loss allowance to noncurrent loans | 120.5556% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 5,086 |
| Noncurrent loans to loans | 0.9097% | 5,146 |
| Net loans and leases to total assets | 80.0196% | 527 |
| Net loans and leases to deposits | 101.4778% | 425 |
| Net loans and leases to core deposits | 102.9648% | 1,118 |
| Total domestic deposits to total assets | 78.8543% | 6,120 |
| Equity capital to assets | 10.5453% | 3,452 |
| Core capital (leverage) ratio | 10.5115% | 2,700 |
| Tier 1 risk-based capital ratio | 15.2657% | 3,364 |
| Total risk-based capital ratio | 16.5163% | 3,324 |
| Memoranda: | ||
| Average total assets | $47,086,330 | 6,563 |
| Average earning assets | $45,213,000 | 6,465 |
| Average equity | $5,161,670 | 6,479 |
| Average total loans | $39,887,000 | 5,803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3538% | 1,713 |
| Cost of funding earning assets | 1.3520% | 1,877 |
| Net interest margin | 4.0018% | 2,674 |
| Noninterest income to average assets | 0.3725% | 4,931 |
| Noninterest expense to average assets | 2.4257% | 5,809 |
| Loan and lease loss provision to assets | 0.1733% | 3,893 |
| Net operating income to assets | 1.5594% | 761 |
| Return on assets (ROA) | 1.5594% | 799 |
| Pretax return on assets | 1.6200% | 1,143 |
| Return on Equity (ROE) | 13.9440% | 1,003 |
| Retained earnings to average equity (ytd only) | -32.5361% | 7,317 |
| Net charge-offs to loans | 0.0100% | 4,959 |
| Credit loss provision to net charge-offs | 2,000.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 148 |
| Efficiency ratio | 57.4949% | 6,326 |
| Assets per employee ($millions) | 5.8766% | 1,283 |
| Cash dividends to net income (ytd only)* | 333.3333% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 6,115 |
| Loan loss allowance to noncurrent loans | 803.7037% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,421 |
| Noncurrent loans to loans | 0.1346% | 6,706 |
| Net loans and leases to total assets | 84.3809% | 212 |
| Net loans and leases to deposits | 107.5680% | 222 |
| Net loans and leases to core deposits | 109.2085% | 772 |
| Total domestic deposits to total assets | 78.4443% | 6,309 |
| Equity capital to assets | 10.5375% | 3,142 |
| Core capital (leverage) ratio | 10.5041% | 2,608 |
| Tier 1 risk-based capital ratio | 14.4332% | 3,784 |
| Total risk-based capital ratio | 15.6847% | 3,740 |
| Memoranda: | ||
| Average total assets | $46,173,000 | 6,634 |
| Average earning assets | $44,380,000 | 6,550 |
| Average equity | $5,163,500 | 6,501 |
| Average total loans | $40,043,500 | 5,848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6356% | 1,782 |
| Cost of funding earning assets | 1.5680% | 2,255 |
| Net interest margin | 4.0676% | 2,718 |
| Noninterest income to average assets | 0.4574% | 4,460 |
| Noninterest expense to average assets | 2.2938% | 6,376 |
| Loan and lease loss provision to assets | 0.1149% | 6,007 |
| Net operating income to assets | 1.8755% | 355 |
| Return on assets (ROA) | 1.8755% | 380 |
| Pretax return on assets | 1.9421% | 553 |
| Return on Equity (ROE) | 15.9837% | 587 |
| Retained earnings to average equity (ytd only) | 2.2722% | 4,291 |
| Net charge-offs to loans | 0.0741% | 6,061 |
| Credit loss provision to net charge-offs | 178.5714% | 1,853 |
| Earnings coverage of net charge-offs (x) | 31.9643% | 697 |
| Efficiency ratio | 52.7205% | 6,930 |
| Assets per employee ($millions) | 6.4761% | 956 |
| Cash dividends to net income (ytd only)* | 85.7843% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,202 |
| Loan loss allowance to noncurrent loans | 922.2222% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,487 |
| Noncurrent loans to loans | 0.1125% | 6,861 |
| Net loans and leases to total assets | 87.2830% | 125 |
| Net loans and leases to deposits | 113.7011% | 179 |
| Net loans and leases to core deposits | 115.9060% | 645 |
| Total domestic deposits to total assets | 76.7653% | 6,522 |
| Equity capital to assets | 11.8523% | 2,004 |
| Core capital (leverage) ratio | 11.6601% | 1,752 |
| Tier 1 risk-based capital ratio | 15.7574% | 2,865 |
| Total risk-based capital ratio | 16.9786% | 2,841 |
| Memoranda: | ||
| Average total assets | $43,509,400 | 6,752 |
| Average earning assets | $41,646,200 | 6,654 |
| Average equity | $5,105,200 | 6,636 |
| Average total loans | $37,790,400 | 6,023 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 1,754 |
| Cost of funding earning assets | 1.6023% | 2,375 |
| Net interest margin | 4.0849% | 2,689 |
| Noninterest income to average assets | 0.4614% | 4,477 |
| Noninterest expense to average assets | 2.3350% | 6,220 |
| Loan and lease loss provision to assets | 0.0619% | 6,445 |
| Net operating income to assets | 1.9076% | 397 |
| Return on assets (ROA) | 1.9076% | 440 |
| Pretax return on assets | 1.9727% | 654 |
| Return on Equity (ROE) | 16.3015% | 676 |
| Retained earnings to average equity (ytd only) | -2.2230% | 6,242 |
| Net charge-offs to loans | -0.0179% | 7,339 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4373% | 6,840 |
| Assets per employee ($millions) | 6.4386% | 1,002 |
| Cash dividends to net income (ytd only)* | 113.6368% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,847 |
| Loan loss allowance to noncurrent loans | 405.8252% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 6,341 |
| Noncurrent loans to loans | 0.2765% | 6,635 |
| Net loans and leases to total assets | 81.7151% | 528 |
| Net loans and leases to deposits | 106.1722% | 357 |
| Net loans and leases to core deposits | 110.8539% | 991 |
| Total domestic deposits to total assets | 76.9647% | 6,486 |
| Equity capital to assets | 11.5043% | 2,529 |
| Core capital (leverage) ratio | 11.7220% | 1,804 |
| Tier 1 risk-based capital ratio | 16.5788% | 2,526 |
| Total risk-based capital ratio | 17.8298% | 2,479 |
| Memoranda: | ||
| Average total assets | $43,053,500 | 6,851 |
| Average earning assets | $41,190,750 | 6,753 |
| Average equity | $5,038,250 | 6,739 |
| Average total loans | $37,242,250 | 6,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7615% | 1,526 |
| Cost of funding earning assets | 1.6306% | 2,477 |
| Net interest margin | 4.1309% | 2,425 |
| Noninterest income to average assets | 0.4719% | 4,343 |
| Noninterest expense to average assets | 2.3784% | 6,121 |
| Loan and lease loss provision to assets | 0.0236% | 6,704 |
| Net operating income to assets | 1.9490% | 363 |
| Return on assets (ROA) | 1.9490% | 400 |
| Pretax return on assets | 2.0150% | 585 |
| Return on Equity (ROE) | 16.5553% | 623 |
| Retained earnings to average equity (ytd only) | -11.5046% | 6,975 |
| Net charge-offs to loans | -0.0161% | 7,252 |
| Credit loss provision to net charge-offs | -166.6667% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 6,898 |
| Assets per employee ($millions) | 6.0701% | 1,177 |
| Cash dividends to net income (ytd only)* | 169.4915% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 6,072 |
| Loan loss allowance to noncurrent loans | 646.7742% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 6,529 |
| Noncurrent loans to loans | 0.1658% | 6,929 |
| Net loans and leases to total assets | 87.0820% | 165 |
| Net loans and leases to deposits | 114.4085% | 201 |
| Net loans and leases to core deposits | 118.1003% | 763 |
| Total domestic deposits to total assets | 76.1149% | 6,668 |
| Equity capital to assets | 11.6989% | 2,280 |
| Core capital (leverage) ratio | 11.6353% | 1,842 |
| Tier 1 risk-based capital ratio | 15.7481% | 2,779 |
| Total risk-based capital ratio | 16.9948% | 2,748 |
| Memoranda: | ||
| Average total assets | $42,381,330 | 6,921 |
| Average earning assets | $40,475,670 | 6,825 |
| Average equity | $4,989,330 | 6,782 |
| Average total loans | $37,240,670 | 6,183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7054% | 1,757 |
| Cost of funding earning assets | 1.6641% | 2,574 |
| Net interest margin | 4.0414% | 2,691 |
| Noninterest income to average assets | 0.4347% | 4,612 |
| Noninterest expense to average assets | 2.2964% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9373% | 389 |
| Return on assets (ROA) | 1.9373% | 424 |
| Pretax return on assets | 1.9940% | 612 |
| Return on Equity (ROE) | 16.4049% | 668 |
| Retained earnings to average equity (ytd only) | -39.6119% | 7,633 |
| Net charge-offs to loans | -0.0215% | 7,091 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5242% | 7,019 |
| Assets per employee ($millions) | 6.0683% | 1,212 |
| Cash dividends to net income (ytd only)* | 341.4634% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 6,089 |
| Loan loss allowance to noncurrent loans | 1,410.7143% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 6,774 |
| Noncurrent loans to loans | 0.0768% | 7,204 |
| Net loans and leases to total assets | 84.8792% | 301 |
| Net loans and leases to deposits | 111.6219% | 261 |
| Net loans and leases to core deposits | 115.2101% | 986 |
| Total domestic deposits to total assets | 76.0417% | 6,751 |
| Equity capital to assets | 11.1846% | 2,603 |
| Core capital (leverage) ratio | 11.2393% | 2,062 |
| Tier 1 risk-based capital ratio | 15.4772% | 2,882 |
| Total risk-based capital ratio | 16.7265% | 2,829 |
| Memoranda: | ||
| Average total assets | $42,326,500 | 7,004 |
| Average earning assets | $40,382,500 | 6,915 |
| Average equity | $4,998,500 | 6,847 |
| Average total loans | $37,159,500 | 6,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1428% | 1,397 |
| Cost of funding earning assets | 1.8777% | 3,576 |
| Net interest margin | 4.2651% | 1,840 |
| Noninterest income to average assets | 0.4074% | 5,140 |
| Noninterest expense to average assets | 2.3642% | 6,563 |
| Loan and lease loss provision to assets | 0.0377% | 7,169 |
| Net operating income to assets | 1.9740% | 241 |
| Return on assets (ROA) | 2.0146% | 235 |
| Pretax return on assets | 2.1102% | 333 |
| Return on Equity (ROE) | 15.7188% | 581 |
| Retained earnings to average equity (ytd only) | 3.9444% | 2,444 |
| Net charge-offs to loans | 0.0878% | 6,243 |
| Credit loss provision to net charge-offs | 48.3871% | 6,766 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 837 |
| Efficiency ratio | 52.8981% | 7,328 |
| Assets per employee ($millions) | 6.0250% | 1,228 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 6,185 |
| Loan loss allowance to noncurrent loans | 1,403.5714% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 6,737 |
| Noncurrent loans to loans | 0.0739% | 7,232 |
| Net loans and leases to total assets | 88.8583% | 135 |
| Net loans and leases to deposits | 124.3851% | 125 |
| Net loans and leases to core deposits | 145.4644% | 625 |
| Total domestic deposits to total assets | 71.4381% | 7,293 |
| Equity capital to assets | 12.4386% | 1,778 |
| Core capital (leverage) ratio | 12.8897% | 1,280 |
| Tier 1 risk-based capital ratio | 16.2667% | 2,407 |
| Total risk-based capital ratio | 17.4869% | 2,362 |
| Memoranda: | ||
| Average total assets | $39,759,600 | 7,104 |
| Average earning assets | $37,865,200 | 7,020 |
| Average equity | $5,095,800 | 6,907 |
| Average total loans | $35,297,800 | 6,342 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1756% | 1,432 |
| Cost of funding earning assets | 1.9442% | 3,644 |
| Net interest margin | 4.2314% | 1,937 |
| Noninterest income to average assets | 0.4937% | 4,539 |
| Noninterest expense to average assets | 2.3734% | 6,496 |
| Loan and lease loss provision to assets | 0.0511% | 6,865 |
| Net operating income to assets | 2.0112% | 285 |
| Return on assets (ROA) | 2.0635% | 280 |
| Pretax return on assets | 2.1554% | 393 |
| Return on Equity (ROE) | 15.9735% | 661 |
| Retained earnings to average equity (ytd only) | 0.1582% | 5,136 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4454% | 7,381 |
| Assets per employee ($millions) | 5.7576% | 1,378 |
| Cash dividends to net income (ytd only)* | 99.0099% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 5,222 |
| Loan loss allowance to noncurrent loans | 597.1831% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 6,218 |
| Noncurrent loans to loans | 0.1976% | 7,009 |
| Net loans and leases to total assets | 88.0853% | 200 |
| Net loans and leases to deposits | 124.2684% | 145 |
| Net loans and leases to core deposits | 149.1576% | 600 |
| Total domestic deposits to total assets | 70.8831% | 7,340 |
| Equity capital to assets | 12.5499% | 1,919 |
| Core capital (leverage) ratio | 12.6941% | 1,502 |
| Tier 1 risk-based capital ratio | 16.6260% | 2,384 |
| Total risk-based capital ratio | 17.8786% | 2,335 |
| Memoranda: | ||
| Average total assets | $39,155,750 | 7,192 |
| Average earning assets | $37,307,250 | 7,103 |
| Average equity | $5,058,250 | 6,977 |
| Average total loans | $34,655,000 | 6,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1757% | 1,541 |
| Cost of funding earning assets | 2.0098% | 3,727 |
| Net interest margin | 4.1659% | 2,109 |
| Noninterest income to average assets | 0.4591% | 4,787 |
| Noninterest expense to average assets | 2.4140% | 6,416 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9273% | 353 |
| Return on assets (ROA) | 2.0065% | 315 |
| Pretax return on assets | 2.0942% | 442 |
| Return on Equity (ROE) | 15.3806% | 770 |
| Retained earnings to average equity (ytd only) | 3.5189% | 3,349 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5455% | 7,275 |
| Assets per employee ($millions) | 5.6107% | 1,493 |
| Cash dividends to net income (ytd only)* | 77.1208% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,225 |
| Loan loss allowance to noncurrent loans | 524.3590% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 6,111 |
| Noncurrent loans to loans | 0.2206% | 6,961 |
| Net loans and leases to total assets | 88.9752% | 187 |
| Net loans and leases to deposits | 120.7415% | 220 |
| Net loans and leases to core deposits | 143.1058% | 884 |
| Total domestic deposits to total assets | 73.6906% | 7,000 |
| Equity capital to assets | 13.0948% | 1,658 |
| Core capital (leverage) ratio | 13.1536% | 1,383 |
| Tier 1 risk-based capital ratio | 17.1288% | 2,263 |
| Total risk-based capital ratio | 18.3817% | 2,203 |
| Memoranda: | ||
| Average total assets | $38,773,330 | 7,267 |
| Average earning assets | $36,918,670 | 7,177 |
| Average equity | $5,058,330 | 7,042 |
| Average total loans | $34,231,670 | 6,490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1222% | 1,858 |
| Cost of funding earning assets | 2.1389% | 3,470 |
| Net interest margin | 3.9832% | 2,715 |
| Noninterest income to average assets | 0.4050% | 5,176 |
| Noninterest expense to average assets | 2.2948% | 6,562 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8238% | 508 |
| Return on assets (ROA) | 1.9833% | 411 |
| Pretax return on assets | 2.0663% | 577 |
| Return on Equity (ROE) | 15.2313% | 935 |
| Retained earnings to average equity (ytd only) | -8.6922% | 6,982 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7030% | 7,148 |
| Assets per employee ($millions) | 5.5650% | 1,508 |
| Cash dividends to net income (ytd only)* | 157.0681% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,864 |
| Loan loss allowance to noncurrent loans | 196.6346% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 5,886 |
| Noncurrent loans to loans | 0.6059% | 5,880 |
| Net loans and leases to total assets | 87.0723% | 333 |
| Net loans and leases to deposits | 116.5521% | 372 |
| Net loans and leases to core deposits | 136.2264% | 1,294 |
| Total domestic deposits to total assets | 74.7067% | 6,763 |
| Equity capital to assets | 12.7121% | 1,878 |
| Core capital (leverage) ratio | 12.9826% | 1,487 |
| Tier 1 risk-based capital ratio | 16.8541% | 2,384 |
| Total risk-based capital ratio | 18.1054% | 2,318 |
| Memoranda: | ||
| Average total assets | $38,522,500 | 7,317 |
| Average earning assets | $36,653,500 | 7,236 |
| Average equity | $5,016,000 | 7,102 |
| Average total loans | $33,670,500 | 6,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9340% | 1,295 |
| Cost of funding earning assets | 2.5973% | 3,699 |
| Net interest margin | 4.3367% | 1,865 |
| Noninterest income to average assets | 0.5015% | 4,605 |
| Noninterest expense to average assets | 2.2934% | 6,724 |
| Loan and lease loss provision to assets | 0.2536% | 4,383 |
| Net operating income to assets | 1.9750% | 376 |
| Return on assets (ROA) | 1.9750% | 356 |
| Pretax return on assets | 2.0567% | 527 |
| Return on Equity (ROE) | 17.0676% | 621 |
| Retained earnings to average equity (ytd only) | -4.3582% | 6,390 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8164% | 7,677 |
| Assets per employee ($millions) | 5.4414% | 1,502 |
| Cash dividends to net income (ytd only)* | 125.5350% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 4,242 |
| Loan loss allowance to noncurrent loans | 195.6938% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 5,533 |
| Noncurrent loans to loans | 0.6331% | 5,476 |
| Net loans and leases to total assets | 85.5973% | 655 |
| Net loans and leases to deposits | 122.9551% | 324 |
| Net loans and leases to core deposits | 141.7319% | 1,172 |
| Total domestic deposits to total assets | 69.6167% | 7,324 |
| Equity capital to assets | 13.3368% | 1,657 |
| Core capital (leverage) ratio | 13.5306% | 1,378 |
| Tier 1 risk-based capital ratio | 17.8570% | 2,076 |
| Total risk-based capital ratio | 19.1082% | 2,013 |
| Memoranda: | ||
| Average total assets | $35,493,800 | 7,405 |
| Average earning assets | $33,573,600 | 7,342 |
| Average equity | $4,107,200 | 7,473 |
| Average total loans | $31,714,200 | 6,619 |