Home > PrimeBank of Texas > Performance and Condition Ratios
PrimeBank of Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 1,872 |
| Cost of funding earning assets | 1.4159% | 2,185 |
| Net interest margin | 3.6753% | 1,802 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.7989% | 1,502 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.5866% | 3,468 |
| Return on assets (ROA) | 0.5866% | 3,465 |
| Pretax return on assets | 0.7347% | 3,370 |
| Return on Equity (ROE) | 3.9500% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.9464% | 2,975 |
| Net charge-offs to loans | 0.0011% | 2,822 |
| Credit loss provision to net charge-offs | 21,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 1,465.0000% | 108 |
| Efficiency ratio | 75.1041% | 1,338 |
| Assets per employee ($millions) | 7.0569% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,170 |
| 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 | 54.4200% | 3,320 |
| Net loans and leases to deposits | 64.3787% | 3,270 |
| Net loans and leases to core deposits | 70.5260% | 3,277 |
| Total domestic deposits to total assets | 84.5300% | 2,460 |
| Equity capital to assets | 14.7869% | 574 |
| Core capital (leverage) ratio | 14.8341% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $170,817,800 | 3,188 |
| Average earning assets | $157,211,800 | 3,187 |
| Average equity | $25,390,000 | 2,496 |
| Average total loans | $87,534,600 | 3,325 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 2,046 |
| Cost of funding earning assets | 1.2863% | 2,188 |
| Net interest margin | 3.6192% | 1,950 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.6244% | 1,868 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7221% | 3,249 |
| Return on assets (ROA) | 0.7221% | 3,234 |
| Pretax return on assets | 0.8509% | 3,213 |
| Return on Equity (ROE) | 4.8500% | 3,835 |
| Retained earnings to average equity (ytd only) | 4.8513% | 2,985 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.4002% | 1,628 |
| Assets per employee ($millions) | 6.3789% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.0500% | 3,357 |
| Net loans and leases to deposits | 63.9713% | 3,270 |
| Net loans and leases to core deposits | 69.2039% | 3,252 |
| Total domestic deposits to total assets | 84.4900% | 2,644 |
| Equity capital to assets | 14.9044% | 543 |
| Core capital (leverage) ratio | 15.4385% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $167,652,250 | 3,216 |
| Average earning assets | $154,136,250 | 3,224 |
| Average equity | $24,954,750 | 2,504 |
| Average total loans | $84,198,000 | 3,368 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 2,252 |
| Cost of funding earning assets | 1.0167% | 1,991 |
| Net interest margin | 3.5124% | 2,329 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.3892% | 2,564 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.9723% | 2,618 |
| Return on assets (ROA) | 0.9723% | 2,582 |
| Pretax return on assets | 0.9723% | 3,076 |
| Return on Equity (ROE) | 6.6400% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.6404% | 2,606 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.0075% | 2,087 |
| Assets per employee ($millions) | 7.7910% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,048 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.1700% | 3,768 |
| Net loans and leases to deposits | 54.3867% | 3,660 |
| Net loans and leases to core deposits | 56.1799% | 3,731 |
| Total domestic deposits to total assets | 84.9000% | 2,879 |
| Equity capital to assets | 14.6234% | 515 |
| Core capital (leverage) ratio | 14.5707% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $168,258,000 | 3,274 |
| Average earning assets | $156,588,000 | 3,256 |
| Average equity | $24,637,000 | 2,566 |
| Average total loans | $77,092,500 | 3,499 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 3,189 |
| Cost of funding earning assets | 0.3120% | 2,780 |
| Net interest margin | 3.1450% | 3,039 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.3829% | 2,472 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.6053% | 3,871 |
| Return on assets (ROA) | 0.6053% | 3,823 |
| Pretax return on assets | 0.6053% | 4,019 |
| Return on Equity (ROE) | 3.5000% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.4970% | 3,565 |
| Net charge-offs to loans | 0.0101% | 1,990 |
| Credit loss provision to net charge-offs | 5,300.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 226.2000% | 593 |
| Efficiency ratio | 73.1057% | 1,311 |
| Assets per employee ($millions) | 7.5051% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 2,814 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.4100% | 3,871 |
| Net loans and leases to deposits | 52.3725% | 3,775 |
| Net loans and leases to core deposits | 53.1480% | 3,858 |
| Total domestic deposits to total assets | 84.8000% | 3,043 |
| Equity capital to assets | 14.6621% | 507 |
| Core capital (leverage) ratio | 14.8646% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $143,062,200 | 3,510 |
| Average earning assets | $132,685,200 | 3,499 |
| Average equity | $24,764,400 | 2,596 |
| Average total loans | $49,615,800 | 3,899 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8994% | 4,060 |
| Cost of funding earning assets | 0.1592% | 3,737 |
| Net interest margin | 2.7402% | 3,855 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.3361% | 2,522 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.2123% | 4,464 |
| Return on assets (ROA) | 0.2123% | 4,431 |
| Pretax return on assets | 0.2123% | 4,452 |
| Return on Equity (ROE) | 1.1700% | 4,480 |
| Retained earnings to average equity (ytd only) | 1.1725% | 4,188 |
| Net charge-offs to loans | 0.0153% | 1,557 |
| Credit loss provision to net charge-offs | 5,300.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 96.8000% | 964 |
| Efficiency ratio | 80.9606% | 719 |
| Assets per employee ($millions) | 7.9228% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 4,497 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 37.2400% | 4,171 |
| Net loans and leases to deposits | 43.9590% | 4,113 |
| Net loans and leases to core deposits | 44.6377% | 4,159 |
| Total domestic deposits to total assets | 84.7200% | 3,350 |
| Equity capital to assets | 15.0698% | 447 |
| Core capital (leverage) ratio | 15.7364% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $137,549,500 | 3,580 |
| Average earning assets | $127,288,500 | 3,582 |
| Average equity | $24,903,250 | 2,625 |
| Average total loans | $43,479,750 | 4,028 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5168% | 4,360 |
| Cost of funding earning assets | 0.0990% | 4,198 |
| Net interest margin | 2.4178% | 4,207 |
| Noninterest income to average assets | 0.2788% | 3,499 |
| Noninterest expense to average assets | 2.4475% | 2,090 |
| Loan and lease loss provision to assets | 0.2297% | 334 |
| Net operating income to assets | -0.1547% | 4,632 |
| Return on assets (ROA) | -0.1547% | 4,603 |
| Pretax return on assets | -0.1547% | 4,592 |
| Return on Equity (ROE) | -0.8002% | 4,586 |
| Retained earnings to average equity (ytd only) | -0.8002% | 4,277 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2927% | 283 |
| Assets per employee ($millions) | 8.2068% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3503% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.2791% | 4,280 |
| Net loans and leases to deposits | 42.7350% | 4,170 |
| Net loans and leases to core deposits | 43.5059% | 4,206 |
| Total domestic deposits to total assets | 82.5533% | 3,937 |
| Equity capital to assets | 17.2697% | 262 |
| Core capital (leverage) ratio | 16.9469% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,580,667 | 3,695 |
| Average earning assets | $121,183,667 | 3,681 |
| Average equity | $25,244,667 | 2,665 |
| Average total loans | $38,208,333 | 4,172 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0118% | 4,614 |
| Cost of funding earning assets | 0.0820% | 4,334 |
| Net interest margin | 1.9298% | 4,561 |
| Noninterest income to average assets | 0.2918% | 3,377 |
| Noninterest expense to average assets | 2.5152% | 1,850 |
| Loan and lease loss provision to assets | 0.2379% | 280 |
| Net operating income to assets | -0.6692% | 4,721 |
| Return on assets (ROA) | -0.6692% | 4,715 |
| Pretax return on assets | -0.6692% | 4,705 |
| Return on Equity (ROE) | -3.2688% | 4,671 |
| Retained earnings to average equity (ytd only) | -3.2688% | 4,333 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1994% | 94 |
| Assets per employee ($millions) | 8.2074% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2585% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 28.7986% | 4,484 |
| Net loans and leases to deposits | 35.6488% | 4,396 |
| Net loans and leases to core deposits | 36.3477% | 4,418 |
| Total domestic deposits to total assets | 80.7842% | 4,220 |
| Equity capital to assets | 19.1176% | 194 |
| Core capital (leverage) ratio | 18.2078% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,113,000 | 3,753 |
| Average earning assets | $117,108,500 | 3,756 |
| Average equity | $25,820,000 | 2,722 |
| Average total loans | $32,616,000 | 4,285 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4885% | 4,812 |
| Cost of funding earning assets | 0.0285% | 4,763 |
| Net interest margin | 0.4601% | 4,809 |
| Noninterest income to average assets | 0.0960% | 4,624 |
| Noninterest expense to average assets | 0.6198% | 4,805 |
| Loan and lease loss provision to assets | 0.0235% | 2,599 |
| Net operating income to assets | -0.1184% | 4,709 |
| Return on assets (ROA) | -0.1184% | 4,714 |
| Pretax return on assets | -0.1184% | 4,713 |
| Return on Equity (ROE) | -0.6710% | 4,710 |
| Retained earnings to average equity (ytd only) | -0.6710% | 4,561 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8132% | 80 |
| Assets per employee ($millions) | 8.6362% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0842% | 4,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.5735% | 4,681 |
| Net loans and leases to deposits | 28.9922% | 4,644 |
| Net loans and leases to core deposits | 29.6341% | 4,650 |
| Total domestic deposits to total assets | 77.8607% | 4,408 |
| Equity capital to assets | 21.9466% | 124 |
| Core capital (leverage) ratio | 19.6266% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,938,200 | 4,013 |
| Average earning assets | $91,292,800 | 3,998 |
| Average equity | $17,288,800 | 3,439 |
| Average total loans | $19,787,400 | 4,571 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0170% | 4,911 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.0170% | 4,908 |
| Noninterest income to average assets | 0.0058% | 4,873 |
| Noninterest expense to average assets | 0.0014% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0202% | 4,734 |
| Return on assets (ROA) | 0.0202% | 4,746 |
| Pretax return on assets | 0.0202% | 4,746 |
| Return on Equity (ROE) | 0.1246% | 4,747 |
| Retained earnings to average equity (ytd only) | 0.1246% | 4,544 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.6667% | 4,912 |
| Assets per employee ($millions) | 7.8563% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 14.0679% | 4,836 |
| Net loans and leases to deposits | 18.6890% | 4,824 |
| Net loans and leases to core deposits | 19.1607% | 4,823 |
| Total domestic deposits to total assets | 75.2737% | 4,587 |
| Equity capital to assets | 24.4490% | 106 |
| Core capital (leverage) ratio | 25.3352% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,196,000 | 4,129 |
| Average earning assets | $86,029,000 | 4,110 |
| Average equity | $14,977,250 | 3,689 |
| Average total loans | $17,905,250 | 4,669 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3525% | 4,878 |
| Cost of funding earning assets | 0.1057% | 4,534 |
| Net interest margin | 1.2467% | 4,875 |
| Noninterest income to average assets | 0.5101% | 2,583 |
| Noninterest expense to average assets | 1.8176% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1322% | 4,813 |
| Return on assets (ROA) | -0.1275% | 4,817 |
| Pretax return on assets | -0.1275% | 4,812 |
| Return on Equity (ROE) | -0.9995% | 4,821 |
| Retained earnings to average equity (ytd only) | -0.9995% | 4,603 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8404% | 108 |
| Assets per employee ($millions) | 6.7992% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 21.6712% | 4,809 |
| Net loans and leases to deposits | 24.8544% | 4,822 |
| Net loans and leases to core deposits | 25.5294% | 4,823 |
| Total domestic deposits to total assets | 87.1930% | 2,222 |
| Equity capital to assets | 12.4224% | 1,168 |
| Core capital (leverage) ratio | 11.8172% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,265,333 | 4,214 |
| Average earning assets | $81,333,667 | 4,184 |
| Average equity | $11,006,000 | 4,096 |
| Average total loans | $18,716,000 | 4,690 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3772% | 4,914 |
| Cost of funding earning assets | 0.1048% | 4,626 |
| Net interest margin | 1.2724% | 4,901 |
| Noninterest income to average assets | 0.4554% | 2,809 |
| Noninterest expense to average assets | 1.8309% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1784% | 4,830 |
| Return on assets (ROA) | -0.1784% | 4,834 |
| Pretax return on assets | -0.1784% | 4,828 |
| Return on Equity (ROE) | -1.3794% | 4,840 |
| Retained earnings to average equity (ytd only) | -1.3794% | 4,500 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7955% | 108 |
| Assets per employee ($millions) | 6.1717% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 21.0997% | 4,846 |
| Net loans and leases to deposits | 24.2630% | 4,852 |
| Net loans and leases to core deposits | 24.9391% | 4,853 |
| Total domestic deposits to total assets | 86.9624% | 2,323 |
| Equity capital to assets | 12.7101% | 989 |
| Core capital (leverage) ratio | 12.3654% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,203,500 | 4,240 |
| Average earning assets | $80,165,500 | 4,215 |
| Average equity | $11,019,000 | 4,107 |
| Average total loans | $18,347,500 | 4,722 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7415% | 4,932 |
| Cost of funding earning assets | 0.1711% | 4,672 |
| Net interest margin | 1.5704% | 4,914 |
| Noninterest income to average assets | 0.9492% | 1,153 |
| Noninterest expense to average assets | 1.7889% | 4,490 |
| Loan and lease loss provision to assets | 0.0980% | 3,111 |
| Net operating income to assets | 0.4314% | 4,180 |
| Return on assets (ROA) | 0.4314% | 4,262 |
| Pretax return on assets | 0.5340% | 4,209 |
| Return on Equity (ROE) | 3.3870% | 4,290 |
| Retained earnings to average equity (ytd only) | 1.1139% | 4,183 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8923% | 1,458 |
| Assets per employee ($millions) | 6.0002% | 2,334 |
| Cash dividends to net income (ytd only)* | 67.1123% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 21.2707% | 4,874 |
| Net loans and leases to deposits | 24.6238% | 4,881 |
| Net loans and leases to core deposits | 25.3343% | 4,880 |
| Total domestic deposits to total assets | 86.3826% | 2,192 |
| Equity capital to assets | 13.1614% | 1,037 |
| Core capital (leverage) ratio | 11.9323% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,703,600 | 4,163 |
| Average earning assets | $81,251,400 | 4,144 |
| Average equity | $11,042,200 | 4,072 |
| Average total loans | $19,966,200 | 4,718 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8667% | 4,975 |
| Cost of funding earning assets | 0.1857% | 4,715 |
| Net interest margin | 1.6810% | 4,947 |
| Noninterest income to average assets | 1.1185% | 837 |
| Noninterest expense to average assets | 1.7960% | 4,507 |
| Loan and lease loss provision to assets | 0.1293% | 2,728 |
| Net operating income to assets | 0.5524% | 3,905 |
| Return on assets (ROA) | 0.5524% | 3,992 |
| Pretax return on assets | 0.7675% | 3,736 |
| Return on Equity (ROE) | 4.3724% | 4,074 |
| Retained earnings to average equity (ytd only) | 1.3407% | 4,135 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6856% | 2,374 |
| Assets per employee ($millions) | 6.8827% | 1,576 |
| Cash dividends to net income (ytd only)* | 69.3370% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 21.9179% | 4,910 |
| Net loans and leases to deposits | 25.1449% | 4,923 |
| Net loans and leases to core deposits | 25.8182% | 4,921 |
| Total domestic deposits to total assets | 87.1662% | 1,598 |
| Equity capital to assets | 12.3453% | 1,491 |
| Core capital (leverage) ratio | 11.4933% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,378,750 | 4,156 |
| Average earning assets | $81,855,000 | 4,137 |
| Average equity | $11,038,750 | 4,075 |
| Average total loans | $20,416,250 | 4,736 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0743% | 5,012 |
| Cost of funding earning assets | 0.2131% | 4,726 |
| Net interest margin | 1.8611% | 4,974 |
| Noninterest income to average assets | 1.4721% | 483 |
| Noninterest expense to average assets | 1.8020% | 4,552 |
| Loan and lease loss provision to assets | 0.1961% | 2,080 |
| Net operating income to assets | 0.8814% | 2,767 |
| Return on assets (ROA) | 0.8814% | 2,882 |
| Pretax return on assets | 1.2067% | 2,345 |
| Return on Equity (ROE) | 6.9226% | 3,161 |
| Retained earnings to average equity (ytd only) | 2.3740% | 3,618 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2275% | 3,912 |
| Assets per employee ($millions) | 7.1404% | 1,366 |
| Cash dividends to net income (ytd only)* | 65.7068% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 22.1912% | 4,941 |
| Net loans and leases to deposits | 25.2860% | 4,956 |
| Net loans and leases to core deposits | 25.9325% | 4,955 |
| Total domestic deposits to total assets | 87.7608% | 1,302 |
| Equity capital to assets | 11.9041% | 1,725 |
| Core capital (leverage) ratio | 11.5569% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,680,000 | 4,167 |
| Average earning assets | $80,703,667 | 4,157 |
| Average equity | $11,036,333 | 4,092 |
| Average total loans | $20,585,333 | 4,760 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5842% | 5,034 |
| Cost of funding earning assets | 0.2543% | 4,763 |
| Net interest margin | 2.3298% | 4,909 |
| Noninterest income to average assets | 2.4017% | 208 |
| Noninterest expense to average assets | 1.9089% | 4,532 |
| Loan and lease loss provision to assets | -0.3110% | 5,092 |
| Net operating income to assets | 2.3586% | 138 |
| Return on assets (ROA) | 2.3586% | 153 |
| Pretax return on assets | 2.9949% | 89 |
| Return on Equity (ROE) | 17.8793% | 281 |
| Retained earnings to average equity (ytd only) | 8.7765% | 1,033 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5625% | 4,955 |
| Assets per employee ($millions) | 6.1007% | 1,594 |
| Cash dividends to net income (ytd only)* | 50.9128% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 23.6541% | 4,979 |
| Net loans and leases to deposits | 27.4404% | 4,995 |
| Net loans and leases to core deposits | 28.2173% | 4,998 |
| Total domestic deposits to total assets | 86.2018% | 1,921 |
| Equity capital to assets | 13.0758% | 1,389 |
| Core capital (leverage) ratio | 12.7172% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,607,500 | 4,215 |
| Average earning assets | $78,633,000 | 4,195 |
| Average equity | $11,029,500 | 4,117 |
| Average total loans | $20,429,500 | 4,797 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 4,993 |
| Cost of funding earning assets | 0.2832% | 4,764 |
| Net interest margin | 2.9304% | 4,620 |
| Noninterest income to average assets | 0.7580% | 1,596 |
| Noninterest expense to average assets | 2.1138% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0580% | 2,626 |
| Return on assets (ROA) | 1.0600% | 2,711 |
| Pretax return on assets | 1.3471% | 2,342 |
| Return on Equity (ROE) | 8.1823% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.1823% | 917 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1211% | 3,521 |
| Assets per employee ($millions) | 5.1128% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 24.8090% | 5,032 |
| Net loans and leases to deposits | 28.8175% | 5,044 |
| Net loans and leases to core deposits | 29.6702% | 5,051 |
| Total domestic deposits to total assets | 86.0901% | 2,038 |
| Equity capital to assets | 13.3134% | 1,363 |
| Core capital (leverage) ratio | 12.2118% | 1,645 |
| Tier 1 risk-based capital ratio | 51.3833% | 126 |
| Total risk-based capital ratio | 52.4488% | 126 |
| Memoranda: | ||
| Average total assets | $80,470,800 | 4,276 |
| Average earning assets | $74,153,400 | 4,284 |
| Average equity | $10,425,000 | 4,185 |
| Average total loans | $22,377,400 | 4,814 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,044 |
| Cost of funding earning assets | 0.2761% | 4,853 |
| Net interest margin | 3.0788% | 4,512 |
| Noninterest income to average assets | 0.6455% | 2,006 |
| Noninterest expense to average assets | 2.1063% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1203% | 2,492 |
| Return on assets (ROA) | 1.1230% | 2,574 |
| Pretax return on assets | 1.3626% | 2,449 |
| Return on Equity (ROE) | 8.7305% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.7305% | 1,125 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7777% | 3,509 |
| Assets per employee ($millions) | 5.4396% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 24.1989% | 5,126 |
| Net loans and leases to deposits | 27.7399% | 5,138 |
| Net loans and leases to core deposits | 28.4986% | 5,142 |
| Total domestic deposits to total assets | 87.2347% | 1,416 |
| Equity capital to assets | 12.2930% | 2,047 |
| Core capital (leverage) ratio | 13.1910% | 1,260 |
| Tier 1 risk-based capital ratio | 48.8120% | 143 |
| Total risk-based capital ratio | 49.8427% | 143 |
| Memoranda: | ||
| Average total assets | $80,137,250 | 4,336 |
| Average earning assets | $73,403,250 | 4,350 |
| Average equity | $10,308,500 | 4,245 |
| Average total loans | $22,844,750 | 4,883 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 4,967 |
| Cost of funding earning assets | 0.2717% | 4,898 |
| Net interest margin | 3.2831% | 4,174 |
| Noninterest income to average assets | 0.6552% | 1,893 |
| Noninterest expense to average assets | 2.1198% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2359% | 2,024 |
| Return on assets (ROA) | 1.2359% | 2,077 |
| Pretax return on assets | 1.5160% | 1,810 |
| Return on Equity (ROE) | 9.4515% | 2,659 |
| Retained earnings to average equity (ytd only) | 9.4515% | 922 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3039% | 3,973 |
| Assets per employee ($millions) | 4.8818% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 3,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.5691% | 5,117 |
| Net loans and leases to deposits | 33.2232% | 5,135 |
| Net loans and leases to core deposits | 34.2523% | 5,142 |
| Total domestic deposits to total assets | 85.9914% | 2,040 |
| Equity capital to assets | 13.4389% | 1,352 |
| Core capital (leverage) ratio | 12.6456% | 1,461 |
| Tier 1 risk-based capital ratio | 44.4145% | 181 |
| Total risk-based capital ratio | 45.3712% | 182 |
| Memoranda: | ||
| Average total assets | $77,838,670 | 4,412 |
| Average earning assets | $70,665,670 | 4,430 |
| Average equity | $10,178,330 | 4,277 |
| Average total loans | $23,368,330 | 4,910 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 4,968 |
| Cost of funding earning assets | 0.2652% | 4,940 |
| Net interest margin | 3.3341% | 4,082 |
| Noninterest income to average assets | 0.6692% | 1,729 |
| Noninterest expense to average assets | 2.2702% | 4,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1737% | 2,161 |
| Return on assets (ROA) | 1.1737% | 2,213 |
| Pretax return on assets | 1.4414% | 1,958 |
| Return on Equity (ROE) | 9.1027% | 2,768 |
| Retained earnings to average equity (ytd only) | 9.1027% | 1,290 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1650% | 3,655 |
| Assets per employee ($millions) | 4.9724% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,190 |
| Loan loss allowance to noncurrent loans | 1,521.4286% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,779 |
| Noncurrent loans to loans | 0.0587% | 4,497 |
| Net loans and leases to total assets | 29.7267% | 5,153 |
| Net loans and leases to deposits | 34.2456% | 5,168 |
| Net loans and leases to core deposits | 35.2748% | 5,181 |
| Total domestic deposits to total assets | 86.8046% | 1,909 |
| Equity capital to assets | 12.7693% | 1,584 |
| Core capital (leverage) ratio | 12.5494% | 1,480 |
| Tier 1 risk-based capital ratio | 41.5713% | 213 |
| Total risk-based capital ratio | 42.4908% | 215 |
| Memoranda: | ||
| Average total assets | $77,703,500 | 4,458 |
| Average earning assets | $70,903,000 | 4,469 |
| Average equity | $10,019,000 | 4,327 |
| Average total loans | $23,788,500 | 4,947 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2964% | 5,084 |
| Cost of funding earning assets | 0.1898% | 5,041 |
| Net interest margin | 3.1066% | 4,645 |
| Noninterest income to average assets | 0.7800% | 1,527 |
| Noninterest expense to average assets | 2.5109% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8949% | 3,454 |
| Return on assets (ROA) | 0.8949% | 3,447 |
| Pretax return on assets | 1.1377% | 3,142 |
| Return on Equity (ROE) | 6.5370% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.9526% | 2,791 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8189% | 2,418 |
| Assets per employee ($millions) | 4.7406% | 2,822 |
| Cash dividends to net income (ytd only)* | 24.2376% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,168 |
| Loan loss allowance to noncurrent loans | 1,521.4286% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,792 |
| Noncurrent loans to loans | 0.0590% | 4,486 |
| Net loans and leases to total assets | 30.9839% | 5,189 |
| Net loans and leases to deposits | 35.7920% | 5,202 |
| Net loans and leases to core deposits | 36.9263% | 5,210 |
| Total domestic deposits to total assets | 86.5667% | 1,982 |
| Equity capital to assets | 13.0246% | 1,331 |
| Core capital (leverage) ratio | 13.4381% | 1,092 |
| Tier 1 risk-based capital ratio | 42.4225% | 199 |
| Total risk-based capital ratio | 43.3840% | 201 |
| Memoranda: | ||
| Average total assets | $69,616,200 | 4,588 |
| Average earning assets | $64,281,800 | 4,584 |
| Average equity | $9,530,400 | 4,383 |
| Average total loans | $24,959,400 | 4,940 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 5,087 |
| Cost of funding earning assets | 0.1785% | 5,102 |
| Net interest margin | 3.1701% | 4,572 |
| Noninterest income to average assets | 0.8052% | 1,458 |
| Noninterest expense to average assets | 2.6624% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8424% | 3,768 |
| Return on assets (ROA) | 0.8424% | 3,770 |
| Pretax return on assets | 1.0657% | 3,516 |
| Return on Equity (ROE) | 6.0712% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.9392% | 3,807 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4136% | 1,975 |
| Assets per employee ($millions) | 4.2309% | 3,530 |
| Cash dividends to net income (ytd only)* | 35.1165% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 4,403 |
| Loan loss allowance to noncurrent loans | 1,521.4286% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,889 |
| Noncurrent loans to loans | 0.0567% | 4,637 |
| Net loans and leases to total assets | 36.1361% | 5,141 |
| Net loans and leases to deposits | 42.4466% | 5,143 |
| Net loans and leases to core deposits | 43.5926% | 5,171 |
| Total domestic deposits to total assets | 85.1331% | 2,556 |
| Equity capital to assets | 14.2302% | 892 |
| Core capital (leverage) ratio | 14.2274% | 880 |
| Tier 1 risk-based capital ratio | 39.8942% | 237 |
| Total risk-based capital ratio | 40.8178% | 238 |
| Memoranda: | ||
| Average total assets | $68,058,000 | 4,659 |
| Average earning assets | $62,752,250 | 4,660 |
| Average equity | $9,443,250 | 4,430 |
| Average total loans | $25,270,750 | 4,987 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2056% | 5,220 |
| Cost of funding earning assets | 0.1582% | 5,209 |
| Net interest margin | 3.0474% | 4,814 |
| Noninterest income to average assets | 0.8096% | 1,445 |
| Noninterest expense to average assets | 2.7105% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7304% | 4,103 |
| Return on assets (ROA) | 0.7304% | 4,102 |
| Pretax return on assets | 0.9240% | 3,895 |
| Return on Equity (ROE) | 5.3092% | 4,458 |
| Retained earnings to average equity (ytd only) | 2.0896% | 4,428 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5763% | 1,627 |
| Assets per employee ($millions) | 4.0968% | 3,733 |
| Cash dividends to net income (ytd only)* | 60.6426% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 37.7372% | 5,132 |
| Net loans and leases to deposits | 44.3791% | 5,136 |
| Net loans and leases to core deposits | 45.6173% | 5,163 |
| Total domestic deposits to total assets | 85.0339% | 2,656 |
| Equity capital to assets | 14.4078% | 831 |
| Core capital (leverage) ratio | 13.6474% | 1,016 |
| Tier 1 risk-based capital ratio | 38.4392% | 258 |
| Total risk-based capital ratio | 39.3475% | 256 |
| Memoranda: | ||
| Average total assets | $68,179,330 | 4,709 |
| Average earning assets | $63,202,000 | 4,707 |
| Average equity | $9,380,000 | 4,477 |
| Average total loans | $25,469,330 | 5,039 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1209% | 5,299 |
| Cost of funding earning assets | 0.1362% | 5,332 |
| Net interest margin | 2.9847% | 4,900 |
| Noninterest income to average assets | 0.7943% | 1,476 |
| Noninterest expense to average assets | 2.6649% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7137% | 4,052 |
| Return on assets (ROA) | 0.7137% | 4,062 |
| Pretax return on assets | 0.9037% | 3,838 |
| Return on Equity (ROE) | 5.3059% | 4,387 |
| Retained earnings to average equity (ytd only) | -1.1553% | 4,929 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6774% | 1,798 |
| Assets per employee ($millions) | 4.2568% | 3,555 |
| Cash dividends to net income (ytd only)* | 121.7742% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 33.5397% | 5,285 |
| Net loans and leases to deposits | 38.7579% | 5,299 |
| Net loans and leases to core deposits | 39.8860% | 5,309 |
| Total domestic deposits to total assets | 86.5363% | 2,299 |
| Equity capital to assets | 12.8778% | 1,305 |
| Core capital (leverage) ratio | 12.7552% | 1,268 |
| Tier 1 risk-based capital ratio | 37.9402% | 260 |
| Total risk-based capital ratio | 38.8539% | 260 |
| Memoranda: | ||
| Average total assets | $69,495,000 | 4,745 |
| Average earning assets | $64,597,000 | 4,738 |
| Average equity | $9,348,000 | 4,529 |
| Average total loans | $25,729,500 | 5,082 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0535% | 5,323 |
| Cost of funding earning assets | 0.1197% | 5,415 |
| Net interest margin | 2.9338% | 4,998 |
| Noninterest income to average assets | 0.8013% | 1,561 |
| Noninterest expense to average assets | 2.5001% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8448% | 2,973 |
| Return on assets (ROA) | 0.8903% | 2,795 |
| Pretax return on assets | 1.1136% | 3,129 |
| Return on Equity (ROE) | 6.6842% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.3145% | 1,920 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2913% | 2,505 |
| Assets per employee ($millions) | 3.9191% | 4,090 |
| Cash dividends to net income (ytd only)* | 20.4918% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.1681% | 5,129 |
| Net loans and leases to deposits | 46.9377% | 5,170 |
| Net loans and leases to core deposits | 47.1511% | 5,218 |
| Total domestic deposits to total assets | 85.5775% | 2,621 |
| Equity capital to assets | 14.0743% | 886 |
| Core capital (leverage) ratio | 13.0203% | 1,135 |
| Tier 1 risk-based capital ratio | 34.8399% | 322 |
| Total risk-based capital ratio | 35.6735% | 330 |
| Memoranda: | ||
| Average total assets | $68,516,400 | 4,802 |
| Average earning assets | $64,352,400 | 4,779 |
| Average equity | $9,126,000 | 4,593 |
| Average total loans | $27,308,600 | 5,084 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0107% | 5,403 |
| Cost of funding earning assets | 0.1189% | 5,484 |
| Net interest margin | 2.8917% | 5,096 |
| Noninterest income to average assets | 0.8156% | 1,530 |
| Noninterest expense to average assets | 2.5279% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6731% | 4,109 |
| Return on assets (ROA) | 0.7228% | 3,923 |
| Pretax return on assets | 1.0881% | 3,345 |
| Return on Equity (ROE) | 5.5019% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.6484% | 3,752 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3974% | 2,304 |
| Assets per employee ($millions) | 3.7699% | 4,339 |
| Cash dividends to net income (ytd only)* | 33.6910% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 4,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 40.0203% | 5,198 |
| Net loans and leases to deposits | 46.6351% | 5,234 |
| Net loans and leases to core deposits | 46.8418% | 5,289 |
| Total domestic deposits to total assets | 85.8160% | 2,387 |
| Equity capital to assets | 13.6108% | 1,119 |
| Core capital (leverage) ratio | 13.3277% | 1,091 |
| Tier 1 risk-based capital ratio | 33.5282% | 363 |
| Total risk-based capital ratio | 34.3527% | 368 |
| Memoranda: | ||
| Average total assets | $68,989,250 | 4,842 |
| Average earning assets | $65,011,250 | 4,813 |
| Average equity | $9,063,250 | 4,647 |
| Average total loans | $27,392,000 | 5,141 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9708% | 5,458 |
| Cost of funding earning assets | 0.1192% | 5,514 |
| Net interest margin | 2.8516% | 5,164 |
| Noninterest income to average assets | 0.8419% | 1,434 |
| Noninterest expense to average assets | 2.5113% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6776% | 3,947 |
| Return on assets (ROA) | 0.6776% | 4,013 |
| Pretax return on assets | 1.0207% | 3,475 |
| Return on Equity (ROE) | 5.2189% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.4207% | 4,234 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1020% | 2,495 |
| Assets per employee ($millions) | 3.7882% | 4,295 |
| Cash dividends to net income (ytd only)* | 53.6170% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.5038% | 5,286 |
| Net loans and leases to deposits | 44.7297% | 5,315 |
| Net loans and leases to core deposits | 45.7086% | 5,348 |
| Total domestic deposits to total assets | 86.0811% | 2,346 |
| Equity capital to assets | 13.3704% | 1,197 |
| Core capital (leverage) ratio | 12.5300% | 1,358 |
| Tier 1 risk-based capital ratio | 34.9889% | 308 |
| Total risk-based capital ratio | 35.8639% | 310 |
| Memoranda: | ||
| Average total assets | $69,366,330 | 4,873 |
| Average earning assets | $65,437,000 | 4,841 |
| Average equity | $9,005,670 | 4,678 |
| Average total loans | $27,399,330 | 5,180 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8998% | 5,539 |
| Cost of funding earning assets | 0.1150% | 5,590 |
| Net interest margin | 2.7847% | 5,278 |
| Noninterest income to average assets | 0.8863% | 1,289 |
| Noninterest expense to average assets | 2.5159% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6633% | 3,865 |
| Return on assets (ROA) | 0.6633% | 3,908 |
| Pretax return on assets | 1.0006% | 3,367 |
| Return on Equity (ROE) | 5.1844% | 4,308 |
| Retained earnings to average equity (ytd only) | -0.4469% | 4,988 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5447% | 2,655 |
| Assets per employee ($millions) | 3.9198% | 4,148 |
| Cash dividends to net income (ytd only)* | 108.6207% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.9550% | 5,370 |
| Net loans and leases to deposits | 42.5955% | 5,399 |
| Net loans and leases to core deposits | 43.4886% | 5,427 |
| Total domestic deposits to total assets | 86.7580% | 2,328 |
| Equity capital to assets | 12.6977% | 1,402 |
| Core capital (leverage) ratio | 12.0966% | 1,564 |
| Tier 1 risk-based capital ratio | 35.4437% | 317 |
| Total risk-based capital ratio | 36.3433% | 317 |
| Memoranda: | ||
| Average total assets | $69,955,500 | 4,919 |
| Average earning assets | $66,074,500 | 4,878 |
| Average equity | $8,950,000 | 4,727 |
| Average total loans | $27,865,000 | 5,223 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9253% | 5,556 |
| Cost of funding earning assets | 0.1239% | 5,592 |
| Net interest margin | 2.8014% | 5,284 |
| Noninterest income to average assets | 0.9049% | 1,399 |
| Noninterest expense to average assets | 2.7028% | 3,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5839% | 4,272 |
| Return on assets (ROA) | 0.6461% | 4,127 |
| Pretax return on assets | 0.9330% | 3,717 |
| Return on Equity (ROE) | 4.9684% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.5472% | 3,404 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2302% | 1,946 |
| Assets per employee ($millions) | 3.6503% | 4,542 |
| Cash dividends to net income (ytd only)* | 28.6041% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 5,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 42.1455% | 5,226 |
| Net loans and leases to deposits | 48.6477% | 5,268 |
| Net loans and leases to core deposits | 49.6864% | 5,311 |
| Total domestic deposits to total assets | 86.6340% | 2,317 |
| Equity capital to assets | 12.8916% | 1,304 |
| Core capital (leverage) ratio | 14.6125% | 670 |
| Tier 1 risk-based capital ratio | 33.6446% | 356 |
| Total risk-based capital ratio | 34.4982% | 366 |
| Memoranda: | ||
| Average total assets | $67,634,400 | 4,979 |
| Average earning assets | $63,753,200 | 4,946 |
| Average equity | $8,795,600 | 4,791 |
| Average total loans | $28,565,200 | 5,244 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8895% | 5,658 |
| Cost of funding earning assets | 0.1221% | 5,668 |
| Net interest margin | 2.7675% | 5,410 |
| Noninterest income to average assets | 0.9305% | 1,312 |
| Noninterest expense to average assets | 2.7438% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5292% | 4,579 |
| Return on assets (ROA) | 0.6091% | 4,372 |
| Pretax return on assets | 0.9166% | 3,919 |
| Return on Equity (ROE) | 4.6730% | 4,658 |
| Retained earnings to average equity (ytd only) | 2.7551% | 4,238 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5224% | 1,762 |
| Assets per employee ($millions) | 3.4154% | 4,889 |
| Cash dividends to net income (ytd only)* | 41.0437% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 5,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 42.2696% | 5,282 |
| Net loans and leases to deposits | 49.3478% | 5,332 |
| Net loans and leases to core deposits | 50.7324% | 5,359 |
| Total domestic deposits to total assets | 85.6564% | 2,535 |
| Equity capital to assets | 13.7056% | 1,163 |
| Core capital (leverage) ratio | 12.7314% | 1,299 |
| Tier 1 risk-based capital ratio | 37.3806% | 275 |
| Total risk-based capital ratio | 38.3446% | 281 |
| Memoranda: | ||
| Average total assets | $67,204,250 | 5,032 |
| Average earning assets | $63,353,750 | 4,992 |
| Average equity | $8,759,250 | 4,845 |
| Average total loans | $28,345,750 | 5,297 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8525% | 5,771 |
| Cost of funding earning assets | 0.1217% | 5,749 |
| Net interest margin | 2.7308% | 5,534 |
| Noninterest income to average assets | 0.9239% | 1,302 |
| Noninterest expense to average assets | 2.7569% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4969% | 4,693 |
| Return on assets (ROA) | 0.5737% | 4,506 |
| Pretax return on assets | 0.8562% | 4,098 |
| Return on Equity (ROE) | 4.4754% | 4,723 |
| Retained earnings to average equity (ytd only) | 1.6065% | 4,737 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8057% | 1,676 |
| Assets per employee ($millions) | 3.2433% | 5,148 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 5,496 |
| Loan loss allowance to noncurrent loans | 96.3801% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 4,125 |
| Noncurrent loans to loans | 0.7366% | 2,895 |
| Net loans and leases to total assets | 45.9246% | 5,131 |
| Net loans and leases to deposits | 53.4696% | 5,163 |
| Net loans and leases to core deposits | 54.9653% | 5,227 |
| Total domestic deposits to total assets | 85.8892% | 2,470 |
| Equity capital to assets | 13.5620% | 1,200 |
| Core capital (leverage) ratio | 12.6929% | 1,269 |
| Tier 1 risk-based capital ratio | 34.2822% | 354 |
| Total risk-based capital ratio | 35.1792% | 355 |
| Memoranda: | ||
| Average total assets | $67,974,670 | 5,068 |
| Average earning assets | $64,084,670 | 5,027 |
| Average equity | $8,714,330 | 4,889 |
| Average total loans | $28,580,000 | 5,350 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8650% | 5,816 |
| Cost of funding earning assets | 0.1222% | 5,800 |
| Net interest margin | 2.7428% | 5,553 |
| Noninterest income to average assets | 0.9205% | 1,264 |
| Noninterest expense to average assets | 2.7442% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5113% | 4,584 |
| Return on assets (ROA) | 0.6616% | 4,044 |
| Pretax return on assets | 0.9838% | 3,540 |
| Return on Equity (ROE) | 5.3038% | 4,336 |
| Retained earnings to average equity (ytd only) | -0.5073% | 5,198 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3251% | 1,849 |
| Assets per employee ($millions) | 3.2721% | 5,170 |
| Cash dividends to net income (ytd only)* | 109.5652% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 5,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.6013% | 5,473 |
| Net loans and leases to deposits | 45.6447% | 5,527 |
| Net loans and leases to core deposits | 46.8357% | 5,555 |
| Total domestic deposits to total assets | 86.7598% | 2,321 |
| Equity capital to assets | 12.6508% | 1,587 |
| Core capital (leverage) ratio | 11.4380% | 2,016 |
| Tier 1 risk-based capital ratio | 34.5160% | 348 |
| Total risk-based capital ratio | 35.4287% | 357 |
| Memoranda: | ||
| Average total assets | $69,529,500 | 5,081 |
| Average earning assets | $65,481,000 | 5,035 |
| Average equity | $8,673,000 | 4,923 |
| Average total loans | $27,869,000 | 5,420 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8975% | 5,813 |
| Cost of funding earning assets | 0.1331% | 5,795 |
| Net interest margin | 2.7645% | 5,577 |
| Noninterest income to average assets | 1.2602% | 754 |
| Noninterest expense to average assets | 2.6357% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8287% | 3,202 |
| Return on assets (ROA) | 0.8287% | 3,274 |
| Pretax return on assets | 1.2274% | 2,557 |
| Return on Equity (ROE) | 6.9059% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.4227% | 2,126 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2271% | 3,524 |
| Assets per employee ($millions) | 3.3497% | 5,067 |
| Cash dividends to net income (ytd only)* | 21.4777% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 5,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.9465% | 5,515 |
| Net loans and leases to deposits | 45.8214% | 5,577 |
| Net loans and leases to core deposits | 47.1556% | 5,597 |
| Total domestic deposits to total assets | 87.1787% | 2,040 |
| Equity capital to assets | 12.3010% | 1,739 |
| Core capital (leverage) ratio | 11.6498% | 1,851 |
| Tier 1 risk-based capital ratio | 31.6242% | 442 |
| Total risk-based capital ratio | 32.4604% | 451 |
| Memoranda: | ||
| Average total assets | $70,227,800 | 5,088 |
| Average earning assets | $66,125,200 | 5,038 |
| Average equity | $8,427,600 | 4,974 |
| Average total loans | $28,855,800 | 5,410 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8654% | 5,921 |
| Cost of funding earning assets | 0.1350% | 5,886 |
| Net interest margin | 2.7304% | 5,689 |
| Noninterest income to average assets | 1.3827% | 648 |
| Noninterest expense to average assets | 2.5945% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9857% | 2,536 |
| Return on assets (ROA) | 0.9857% | 2,621 |
| Pretax return on assets | 1.3618% | 2,172 |
| Return on Equity (ROE) | 8.2661% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.2753% | 2,074 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5785% | 3,964 |
| Assets per employee ($millions) | 3.0510% | 5,489 |
| Cash dividends to net income (ytd only)* | 24.0845% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 5,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 44.5584% | 5,322 |
| Net loans and leases to deposits | 51.8394% | 5,376 |
| Net loans and leases to core deposits | 53.5317% | 5,431 |
| Total domestic deposits to total assets | 85.9546% | 2,546 |
| Equity capital to assets | 13.5006% | 1,227 |
| Core capital (leverage) ratio | 11.7440% | 1,862 |
| Tier 1 risk-based capital ratio | 29.9869% | 526 |
| Total risk-based capital ratio | 30.7866% | 538 |
| Memoranda: | ||
| Average total assets | $70,198,750 | 5,154 |
| Average earning assets | $66,166,500 | 5,098 |
| Average equity | $8,371,250 | 5,048 |
| Average total loans | $28,991,500 | 5,469 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 6,050 |
| Cost of funding earning assets | 0.1321% | 5,970 |
| Net interest margin | 2.6184% | 5,869 |
| Noninterest income to average assets | 1.5421% | 539 |
| Noninterest expense to average assets | 2.5027% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1185% | 1,881 |
| Return on assets (ROA) | 1.1185% | 1,968 |
| Pretax return on assets | 1.5088% | 1,621 |
| Return on Equity (ROE) | 9.7604% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.7405% | 1,823 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3879% | 4,619 |
| Assets per employee ($millions) | 3.6106% | 4,610 |
| Cash dividends to net income (ytd only)* | 30.9406% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 5,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.1198% | 5,623 |
| Net loans and leases to deposits | 46.0736% | 5,672 |
| Net loans and leases to core deposits | 47.4567% | 5,708 |
| Total domestic deposits to total assets | 87.0776% | 2,123 |
| Equity capital to assets | 12.3582% | 1,762 |
| Core capital (leverage) ratio | 10.9534% | 2,478 |
| Tier 1 risk-based capital ratio | 31.2850% | 484 |
| Total risk-based capital ratio | 32.1322% | 491 |
| Memoranda: | ||
| Average total assets | $72,241,330 | 5,150 |
| Average earning assets | $68,133,330 | 5,093 |
| Average equity | $8,278,330 | 5,107 |
| Average total loans | $29,068,000 | 5,517 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6962% | 6,135 |
| Cost of funding earning assets | 0.1319% | 6,049 |
| Net interest margin | 2.5642% | 5,959 |
| Noninterest income to average assets | 0.9614% | 1,212 |
| Noninterest expense to average assets | 2.4034% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6373% | 4,098 |
| Return on assets (ROA) | 0.6373% | 4,222 |
| Pretax return on assets | 0.9722% | 3,597 |
| Return on Equity (ROE) | 5.7712% | 4,151 |
| Retained earnings to average equity (ytd only) | -0.3424% | 5,445 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2000% | 3,296 |
| Assets per employee ($millions) | 3.8063% | 4,326 |
| Cash dividends to net income (ytd only)* | 105.9322% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 5,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 36.7672% | 5,792 |
| Net loans and leases to deposits | 41.4069% | 5,867 |
| Net loans and leases to core deposits | 42.5009% | 5,891 |
| Total domestic deposits to total assets | 88.7947% | 1,392 |
| Equity capital to assets | 10.7612% | 3,244 |
| Core capital (leverage) ratio | 10.3690% | 3,137 |
| Tier 1 risk-based capital ratio | 32.3165% | 448 |
| Total risk-based capital ratio | 33.2240% | 455 |
| Memoranda: | ||
| Average total assets | $74,061,000 | 5,150 |
| Average earning assets | $69,728,000 | 5,099 |
| Average equity | $8,178,500 | 5,174 |
| Average total loans | $29,734,000 | 5,521 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0397% | 6,017 |
| Cost of funding earning assets | 0.1533% | 6,079 |
| Net interest margin | 2.8864% | 5,672 |
| Noninterest income to average assets | 1.0359% | 1,144 |
| Noninterest expense to average assets | 2.6951% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7295% | 3,741 |
| Return on assets (ROA) | 0.7295% | 3,851 |
| Pretax return on assets | 1.0541% | 3,282 |
| Return on Equity (ROE) | 6.0757% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.4968% | 2,974 |
| Net charge-offs to loans | -0.0033% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8851% | 3,226 |
| Assets per employee ($millions) | 3.5999% | 4,719 |
| Cash dividends to net income (ytd only)* | 25.9875% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 6,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.1310% | 5,525 |
| Net loans and leases to deposits | 48.8608% | 5,639 |
| Net loans and leases to core deposits | 50.2354% | 5,701 |
| Total domestic deposits to total assets | 88.2731% | 1,627 |
| Equity capital to assets | 11.3408% | 2,570 |
| Core capital (leverage) ratio | 10.8760% | 2,525 |
| Tier 1 risk-based capital ratio | 28.3479% | 598 |
| Total risk-based capital ratio | 29.1433% | 611 |
| Memoranda: | ||
| Average total assets | $65,933,600 | 5,395 |
| Average earning assets | $61,979,600 | 5,340 |
| Average equity | $7,916,800 | 5,224 |
| Average total loans | $30,394,400 | 5,551 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0855% | 6,051 |
| Cost of funding earning assets | 0.1610% | 6,117 |
| Net interest margin | 2.9245% | 5,651 |
| Noninterest income to average assets | 1.0680% | 1,075 |
| Noninterest expense to average assets | 2.7632% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7120% | 3,879 |
| Return on assets (ROA) | 0.7120% | 3,979 |
| Pretax return on assets | 1.0494% | 3,382 |
| Return on Equity (ROE) | 5.8393% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.7174% | 3,995 |
| Net charge-offs to loans | -0.0044% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4756% | 3,092 |
| Assets per employee ($millions) | 3.1871% | 5,454 |
| Cash dividends to net income (ytd only)* | 36.3363% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 44.1254% | 5,514 |
| Net loans and leases to deposits | 50.7955% | 5,593 |
| Net loans and leases to core deposits | 52.4416% | 5,663 |
| Total domestic deposits to total assets | 86.8687% | 2,388 |
| Equity capital to assets | 12.5728% | 1,651 |
| Core capital (leverage) ratio | 12.3452% | 1,490 |
| Tier 1 risk-based capital ratio | 30.4961% | 498 |
| Total risk-based capital ratio | 31.3673% | 510 |
| Memoranda: | ||
| Average total assets | $64,417,750 | 5,500 |
| Average earning assets | $60,453,500 | 5,441 |
| Average equity | $7,854,750 | 5,279 |
| Average total loans | $30,176,500 | 5,611 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1108% | 6,053 |
| Cost of funding earning assets | 0.1714% | 6,127 |
| Net interest margin | 2.9394% | 5,661 |
| Noninterest income to average assets | 1.0550% | 1,067 |
| Noninterest expense to average assets | 2.7536% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7178% | 3,739 |
| Return on assets (ROA) | 0.7178% | 3,838 |
| Pretax return on assets | 1.0612% | 3,240 |
| Return on Equity (ROE) | 5.9474% | 4,177 |
| Retained earnings to average equity (ytd only) | 2.7430% | 4,455 |
| Net charge-offs to loans | -0.0065% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1817% | 3,295 |
| Assets per employee ($millions) | 3.1815% | 5,459 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 6,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.0853% | 5,066 |
| Net loans and leases to deposits | 56.3437% | 5,165 |
| Net loans and leases to core deposits | 58.4537% | 5,238 |
| Total domestic deposits to total assets | 87.1177% | 2,392 |
| Equity capital to assets | 12.4045% | 1,703 |
| Core capital (leverage) ratio | 11.2685% | 2,179 |
| Tier 1 risk-based capital ratio | 28.5348% | 612 |
| Total risk-based capital ratio | 29.3624% | 625 |
| Memoranda: | ||
| Average total assets | $64,643,330 | 5,540 |
| Average earning assets | $60,691,670 | 5,486 |
| Average equity | $7,801,670 | 5,312 |
| Average total loans | $30,789,000 | 5,638 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9446% | 6,289 |
| Cost of funding earning assets | 0.1701% | 6,231 |
| Net interest margin | 2.7745% | 5,983 |
| Noninterest income to average assets | 1.0315% | 1,061 |
| Noninterest expense to average assets | 2.7813% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5833% | 4,273 |
| Return on assets (ROA) | 0.5833% | 4,346 |
| Pretax return on assets | 0.8534% | 3,888 |
| Return on Equity (ROE) | 4.8994% | 4,597 |
| Retained earnings to average equity (ytd only) | -1.5472% | 5,806 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5203% | 2,723 |
| Assets per employee ($millions) | 3.3876% | 5,175 |
| Cash dividends to net income (ytd only)* | 131.5789% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 6,347 |
| Loan loss allowance to noncurrent loans | 848.0000% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,185 |
| Noncurrent loans to loans | 0.0762% | 5,910 |
| Net loans and leases to total assets | 48.1078% | 5,113 |
| Net loans and leases to deposits | 54.6503% | 5,223 |
| Net loans and leases to core deposits | 58.8584% | 5,138 |
| Total domestic deposits to total assets | 88.0284% | 2,224 |
| Equity capital to assets | 11.4639% | 2,286 |
| Core capital (leverage) ratio | 11.0151% | 2,374 |
| Tier 1 risk-based capital ratio | 26.5946% | 740 |
| Total risk-based capital ratio | 27.3771% | 768 |
| Memoranda: | ||
| Average total assets | $65,150,000 | 5,589 |
| Average earning assets | $61,128,500 | 5,538 |
| Average equity | $7,756,000 | 5,358 |
| Average total loans | $30,460,500 | 5,699 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0393% | 6,300 |
| Cost of funding earning assets | 0.1852% | 6,366 |
| Net interest margin | 2.8541% | 5,892 |
| Noninterest income to average assets | 1.1224% | 1,117 |
| Noninterest expense to average assets | 2.8234% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6863% | 3,865 |
| Return on assets (ROA) | 0.7171% | 3,796 |
| Pretax return on assets | 1.0156% | 3,292 |
| Return on Equity (ROE) | 5.6800% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.6800% | 2,168 |
| Net charge-offs to loans | 0.0342% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 64.7778% | 648 |
| Efficiency ratio | 74.3849% | 3,063 |
| Assets per employee ($millions) | 3.1274% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 6,256 |
| Loan loss allowance to noncurrent loans | 424.0000% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 6,107 |
| Noncurrent loans to loans | 0.1778% | 5,667 |
| Net loans and leases to total assets | 44.6105% | 5,616 |
| Net loans and leases to deposits | 51.1344% | 5,684 |
| Net loans and leases to core deposits | 52.3430% | 5,773 |
| Total domestic deposits to total assets | 87.2418% | 2,607 |
| Equity capital to assets | 12.3825% | 1,575 |
| Core capital (leverage) ratio | 11.7819% | 1,772 |
| Tier 1 risk-based capital ratio | 28.2429% | 594 |
| Total risk-based capital ratio | 29.0707% | 605 |
| Memoranda: | ||
| Average total assets | $59,962,200 | 5,755 |
| Average earning assets | $56,164,400 | 5,696 |
| Average equity | $7,570,400 | 5,444 |
| Average total loans | $26,325,800 | 5,921 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0393% | 6,382 |
| Cost of funding earning assets | 0.1847% | 6,477 |
| Net interest margin | 2.8546% | 5,909 |
| Noninterest income to average assets | 1.1351% | 1,138 |
| Noninterest expense to average assets | 2.8817% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6385% | 4,186 |
| Return on assets (ROA) | 0.6788% | 4,104 |
| Pretax return on assets | 0.9868% | 3,555 |
| Return on Equity (ROE) | 5.3497% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.3497% | 2,827 |
| Net charge-offs to loans | -0.0051% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6342% | 2,785 |
| Assets per employee ($millions) | 2.7176% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 6,239 |
| Loan loss allowance to noncurrent loans | 853.8462% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 6,330 |
| Noncurrent loans to loans | 0.0960% | 6,049 |
| Net loans and leases to total assets | 47.0580% | 5,441 |
| Net loans and leases to deposits | 55.2979% | 5,433 |
| Net loans and leases to core deposits | 56.7648% | 5,553 |
| Total domestic deposits to total assets | 85.0990% | 3,687 |
| Equity capital to assets | 13.3538% | 1,182 |
| Core capital (leverage) ratio | 12.3878% | 1,478 |
| Tier 1 risk-based capital ratio | 30.3516% | 500 |
| Total risk-based capital ratio | 31.2999% | 508 |
| Memoranda: | ||
| Average total assets | $59,315,750 | 5,839 |
| Average earning assets | $55,581,250 | 5,773 |
| Average equity | $7,526,750 | 5,516 |
| Average total loans | $25,878,500 | 5,995 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9478% | 6,492 |
| Cost of funding earning assets | 0.1885% | 6,533 |
| Net interest margin | 2.7593% | 6,082 |
| Noninterest income to average assets | 1.1022% | 1,247 |
| Noninterest expense to average assets | 2.8736% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5447% | 4,575 |
| Return on assets (ROA) | 0.6027% | 4,448 |
| Pretax return on assets | 0.8990% | 3,914 |
| Return on Equity (ROE) | 4.8297% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.8297% | 3,164 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9584% | 2,464 |
| Assets per employee ($millions) | 2.9044% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.6478% | 5,680 |
| Net loans and leases to deposits | 52.2115% | 5,672 |
| Net loans and leases to core deposits | 53.5604% | 5,787 |
| Total domestic deposits to total assets | 85.5134% | 3,634 |
| Equity capital to assets | 12.9476% | 1,365 |
| Core capital (leverage) ratio | 11.5781% | 1,869 |
| Tier 1 risk-based capital ratio | 31.1702% | 468 |
| Total risk-based capital ratio | 32.1566% | 473 |
| Memoranda: | ||
| Average total assets | $60,064,330 | 5,854 |
| Average earning assets | $56,245,670 | 5,794 |
| Average equity | $7,495,330 | 5,564 |
| Average total loans | $25,478,670 | 6,044 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8211% | 6,668 |
| Cost of funding earning assets | 0.1885% | 6,628 |
| Net interest margin | 2.6326% | 6,325 |
| Noninterest income to average assets | 1.0745% | 1,285 |
| Noninterest expense to average assets | 2.8435% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4658% | 4,846 |
| Return on assets (ROA) | 0.5307% | 4,680 |
| Pretax return on assets | 0.7993% | 4,169 |
| Return on Equity (ROE) | 4.3301% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.3301% | 3,636 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2218% | 2,301 |
| Assets per employee ($millions) | 3.3016% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 6,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.1497% | 6,069 |
| Net loans and leases to deposits | 45.2542% | 6,106 |
| Net loans and leases to core deposits | 46.0994% | 6,206 |
| Total domestic deposits to total assets | 86.5107% | 3,225 |
| Equity capital to assets | 11.9877% | 2,053 |
| Core capital (leverage) ratio | 11.2828% | 2,024 |
| Tier 1 risk-based capital ratio | 33.2786% | 403 |
| Total risk-based capital ratio | 34.3466% | 398 |
| Memoranda: | ||
| Average total assets | $61,052,500 | 5,884 |
| Average earning assets | $57,282,000 | 5,816 |
| Average equity | $7,482,500 | 5,624 |
| Average total loans | $25,140,000 | 6,115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0293% | 6,758 |
| Cost of funding earning assets | 0.2420% | 6,703 |
| Net interest margin | 2.7874% | 6,393 |
| Noninterest income to average assets | 1.2688% | 967 |
| Noninterest expense to average assets | 2.9780% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6204% | 4,144 |
| Return on assets (ROA) | 0.6204% | 4,403 |
| Pretax return on assets | 0.8878% | 3,963 |
| Return on Equity (ROE) | 4.6409% | 4,861 |
| Retained earnings to average equity (ytd only) | -1.9086% | 6,148 |
| Net charge-offs to loans | 0.0087% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 158 |
| Efficiency ratio | 77.0344% | 2,587 |
| Assets per employee ($millions) | 2.9687% | 6,064 |
| Cash dividends to net income (ytd only)* | 141.1268% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,354 |
| Loan loss allowance to noncurrent loans | 850.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 6,530 |
| Noncurrent loans to loans | 0.1020% | 6,232 |
| Net loans and leases to total assets | 42.5759% | 5,943 |
| Net loans and leases to deposits | 49.4668% | 5,996 |
| Net loans and leases to core deposits | 50.7050% | 6,109 |
| Total domestic deposits to total assets | 86.0697% | 3,321 |
| Equity capital to assets | 12.5392% | 1,679 |
| Core capital (leverage) ratio | 11.3876% | 1,944 |
| Tier 1 risk-based capital ratio | 31.2871% | 460 |
| Total risk-based capital ratio | 32.3033% | 456 |
| Memoranda: | ||
| Average total assets | $57,220,000 | 5,991 |
| Average earning assets | $53,311,800 | 5,945 |
| Average equity | $7,649,400 | 5,597 |
| Average total loans | $22,892,400 | 6,299 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0257% | 6,893 |
| Cost of funding earning assets | 0.2524% | 6,799 |
| Net interest margin | 2.7733% | 6,546 |
| Noninterest income to average assets | 1.2914% | 889 |
| Noninterest expense to average assets | 3.0133% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5928% | 4,424 |
| Return on assets (ROA) | 0.5928% | 4,688 |
| Pretax return on assets | 0.8633% | 4,249 |
| Return on Equity (ROE) | 4.3632% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.3632% | 3,819 |
| Net charge-offs to loans | 0.0120% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 183.2659% | 245 |
| Efficiency ratio | 77.7306% | 2,429 |
| Assets per employee ($millions) | 2.7085% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 40.6220% | 6,233 |
| Net loans and leases to deposits | 47.9865% | 6,258 |
| Net loans and leases to core deposits | 49.0198% | 6,350 |
| Total domestic deposits to total assets | 84.6531% | 3,915 |
| Equity capital to assets | 13.7874% | 1,237 |
| Core capital (leverage) ratio | 12.4853% | 1,415 |
| Tier 1 risk-based capital ratio | 36.7056% | 315 |
| Total risk-based capital ratio | 37.8319% | 311 |
| Memoranda: | ||
| Average total assets | $56,681,500 | 6,074 |
| Average earning assets | $52,835,250 | 6,032 |
| Average equity | $7,700,500 | 5,642 |
| Average total loans | $22,240,500 | 6,410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0743% | 6,944 |
| Cost of funding earning assets | 0.2556% | 6,894 |
| Net interest margin | 2.8188% | 6,545 |
| Noninterest income to average assets | 1.3000% | 838 |
| Noninterest expense to average assets | 3.0097% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6147% | 4,318 |
| Return on assets (ROA) | 0.6147% | 4,561 |
| Pretax return on assets | 0.9008% | 4,075 |
| Return on Equity (ROE) | 4.5470% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.5470% | 3,582 |
| Net charge-offs to loans | 0.0274% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 484 |
| Efficiency ratio | 76.9648% | 2,597 |
| Assets per employee ($millions) | 3.4250% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 6,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 39.3405% | 6,385 |
| Net loans and leases to deposits | 46.1740% | 6,424 |
| Net loans and leases to core deposits | 46.8934% | 6,523 |
| Total domestic deposits to total assets | 85.2005% | 3,767 |
| Equity capital to assets | 13.3242% | 1,383 |
| Core capital (leverage) ratio | 12.7119% | 1,254 |
| Tier 1 risk-based capital ratio | 34.9333% | 347 |
| Total risk-based capital ratio | 36.0120% | 346 |
| Memoranda: | ||
| Average total assets | $56,616,000 | 6,121 |
| Average earning assets | $52,434,330 | 6,080 |
| Average equity | $7,653,330 | 5,670 |
| Average total loans | $21,878,670 | 6,476 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0733% | 7,017 |
| Cost of funding earning assets | 0.2659% | 6,960 |
| Net interest margin | 2.8074% | 6,630 |
| Noninterest income to average assets | 1.3617% | 776 |
| Noninterest expense to average assets | 3.0818% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5877% | 4,402 |
| Return on assets (ROA) | 0.5877% | 4,621 |
| Pretax return on assets | 0.8529% | 4,220 |
| Return on Equity (ROE) | 4.3152% | 5,132 |
| Retained earnings to average equity (ytd only) | 4.3152% | 4,000 |
| Net charge-offs to loans | 0.0376% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 555 |
| Efficiency ratio | 78.3242% | 2,450 |
| Assets per employee ($millions) | 2.7427% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 6,287 |
| Loan loss allowance to noncurrent loans | 4,420.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,911 |
| Noncurrent loans to loans | 0.0224% | 6,723 |
| Net loans and leases to total assets | 38.3534% | 6,468 |
| Net loans and leases to deposits | 45.0008% | 6,492 |
| Net loans and leases to core deposits | 45.4723% | 6,602 |
| Total domestic deposits to total assets | 85.2281% | 3,920 |
| Equity capital to assets | 13.2509% | 1,339 |
| Core capital (leverage) ratio | 12.5379% | 1,326 |
| Tier 1 risk-based capital ratio | 34.3147% | 355 |
| Total risk-based capital ratio | 35.3938% | 353 |
| Memoranda: | ||
| Average total assets | $55,811,500 | 6,181 |
| Average earning assets | $51,151,000 | 6,151 |
| Average equity | $7,601,000 | 5,710 |
| Average total loans | $21,255,000 | 6,542 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 7,126 |
| Cost of funding earning assets | 0.3260% | 7,058 |
| Net interest margin | 2.8661% | 6,744 |
| Noninterest income to average assets | 1.3588% | 701 |
| Noninterest expense to average assets | 3.3185% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4493% | 4,647 |
| Return on assets (ROA) | 0.7899% | 3,246 |
| Pretax return on assets | 1.1736% | 2,560 |
| Return on Equity (ROE) | 5.6636% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.6636% | 2,198 |
| Net charge-offs to loans | 0.0052% | 6,357 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 101 |
| Efficiency ratio | 83.3017% | 1,848 |
| Assets per employee ($millions) | 2.4558% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 5,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.9741% | 6,705 |
| Net loans and leases to deposits | 43.7035% | 6,732 |
| Net loans and leases to core deposits | 44.1937% | 6,807 |
| Total domestic deposits to total assets | 84.6021% | 4,045 |
| Equity capital to assets | 14.0115% | 1,057 |
| Core capital (leverage) ratio | 12.8649% | 1,194 |
| Tier 1 risk-based capital ratio | 39.4749% | 240 |
| Total risk-based capital ratio | 40.7422% | 235 |
| Memoranda: | ||
| Average total assets | $52,915,200 | 6,265 |
| Average earning assets | $48,462,600 | 6,242 |
| Average equity | $7,380,400 | 5,752 |
| Average total loans | $19,246,000 | 6,697 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2395% | 7,192 |
| Cost of funding earning assets | 0.3388% | 7,147 |
| Net interest margin | 2.9007% | 6,749 |
| Noninterest income to average assets | 1.3450% | 723 |
| Noninterest expense to average assets | 3.3385% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4453% | 4,802 |
| Return on assets (ROA) | 0.8916% | 2,924 |
| Pretax return on assets | 1.3399% | 2,150 |
| Return on Equity (ROE) | 6.4001% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.4001% | 2,296 |
| Net charge-offs to loans | 0.0070% | 6,066 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 266.6617% | 147 |
| Efficiency ratio | 83.2071% | 1,827 |
| Assets per employee ($millions) | 2.7343% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,597 |
| Loan loss allowance to noncurrent loans | 46.0744% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 4,969 |
| Noncurrent loans to loans | 2.5368% | 2,734 |
| Net loans and leases to total assets | 34.4811% | 6,929 |
| Net loans and leases to deposits | 40.2038% | 6,973 |
| Net loans and leases to core deposits | 41.1757% | 7,001 |
| Total domestic deposits to total assets | 85.7657% | 3,347 |
| Equity capital to assets | 13.7369% | 1,270 |
| Core capital (leverage) ratio | 12.6252% | 1,379 |
| Tier 1 risk-based capital ratio | 40.0524% | 256 |
| Total risk-based capital ratio | 41.3504% | 242 |
| Memoranda: | ||
| Average total assets | $52,637,250 | 6,328 |
| Average earning assets | $48,401,500 | 6,300 |
| Average equity | $7,333,000 | 5,807 |
| Average total loans | $19,007,750 | 6,775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 7,211 |
| Cost of funding earning assets | 0.3441% | 7,235 |
| Net interest margin | 3.0676% | 6,473 |
| Noninterest income to average assets | 1.3050% | 738 |
| Noninterest expense to average assets | 3.3799% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4905% | 4,543 |
| Return on assets (ROA) | 0.7776% | 3,294 |
| Pretax return on assets | 1.1741% | 2,578 |
| Return on Equity (ROE) | 5.5545% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.5545% | 2,661 |
| Net charge-offs to loans | 0.0105% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 193 |
| Efficiency ratio | 82.0561% | 2,095 |
| Assets per employee ($millions) | 2.6164% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 33.9655% | 7,047 |
| Net loans and leases to deposits | 39.5927% | 7,077 |
| Net loans and leases to core deposits | 40.5431% | 7,115 |
| Total domestic deposits to total assets | 85.7873% | 3,449 |
| Equity capital to assets | 13.5793% | 1,257 |
| Core capital (leverage) ratio | 12.6473% | 1,306 |
| Tier 1 risk-based capital ratio | 37.4298% | 293 |
| Total risk-based capital ratio | 38.6699% | 285 |
| Memoranda: | ||
| Average total assets | $51,954,670 | 6,413 |
| Average earning assets | $47,659,670 | 6,376 |
| Average equity | $7,273,330 | 5,849 |
| Average total loans | $18,984,000 | 6,839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3982% | 7,267 |
| Cost of funding earning assets | 0.3554% | 7,310 |
| Net interest margin | 3.0427% | 6,481 |
| Noninterest income to average assets | 1.2763% | 781 |
| Noninterest expense to average assets | 3.5038% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3723% | 5,064 |
| Return on assets (ROA) | 0.4360% | 4,858 |
| Pretax return on assets | 0.6500% | 4,488 |
| Return on Equity (ROE) | 3.0643% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.0643% | 4,326 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3281% | 1,677 |
| Assets per employee ($millions) | 2.6171% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 33.6371% | 7,104 |
| Net loans and leases to deposits | 39.1802% | 7,129 |
| Net loans and leases to core deposits | 39.7131% | 7,174 |
| Total domestic deposits to total assets | 85.8524% | 3,609 |
| Equity capital to assets | 13.7044% | 1,103 |
| Core capital (leverage) ratio | 13.2175% | 1,052 |
| Tier 1 risk-based capital ratio | 38.8745% | 254 |
| Total risk-based capital ratio | 40.0909% | 249 |
| Memoranda: | ||
| Average total assets | $50,460,000 | 6,519 |
| Average earning assets | $46,142,500 | 6,483 |
| Average equity | $7,179,500 | 5,873 |
| Average total loans | $19,033,500 | 6,889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 7,069 |
| Cost of funding earning assets | 0.4999% | 7,299 |
| Net interest margin | 3.5771% | 4,925 |
| Noninterest income to average assets | 1.5165% | 632 |
| Noninterest expense to average assets | 4.0433% | 1,105 |
| Loan and lease loss provision to assets | 0.0232% | 6,892 |
| Net operating income to assets | 0.4482% | 4,325 |
| Return on assets (ROA) | 0.4482% | 4,488 |
| Pretax return on assets | 0.5574% | 4,457 |
| Return on Equity (ROE) | 2.7371% | 5,065 |
| Retained earnings to average equity (ytd only) | 2.7371% | 3,940 |
| Net charge-offs to loans | 0.0108% | 6,721 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 205 |
| Efficiency ratio | 87.0919% | 1,564 |
| Assets per employee ($millions) | 2.4290% | 7,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.1968% | 6,889 |
| Net loans and leases to deposits | 48.6236% | 6,917 |
| Net loans and leases to core deposits | 49.3454% | 7,007 |
| Total domestic deposits to total assets | 84.7259% | 3,983 |
| Equity capital to assets | 14.7924% | 839 |
| Core capital (leverage) ratio | 14.2474% | 800 |
| Tier 1 risk-based capital ratio | 34.0639% | 371 |
| Total risk-based capital ratio | 35.2327% | 365 |
| Memoranda: | ||
| Average total assets | $43,059,400 | 6,762 |
| Average earning assets | $37,405,000 | 6,826 |
| Average equity | $7,051,200 | 6,016 |
| Average total loans | $18,489,400 | 7,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 7,082 |
| Cost of funding earning assets | 0.5359% | 7,393 |
| Net interest margin | 3.6689% | 4,549 |
| Noninterest income to average assets | 1.5483% | 583 |
| Noninterest expense to average assets | 4.2290% | 794 |
| Loan and lease loss provision to assets | 0.0320% | 6,753 |
| Net operating income to assets | 0.3007% | 5,163 |
| Return on assets (ROA) | 0.3007% | 5,330 |
| Pretax return on assets | 0.4191% | 5,163 |
| Return on Equity (ROE) | 1.7860% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.7860% | 5,078 |
| Net charge-offs to loans | 0.0222% | 6,361 |
| Credit loss provision to net charge-offs | 333.3333% | 951 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 597 |
| Efficiency ratio | 89.8838% | 1,302 |
| Assets per employee ($millions) | 2.0443% | 7,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 42.2166% | 6,962 |
| Net loans and leases to deposits | 51.0104% | 6,947 |
| Net loans and leases to core deposits | 52.1149% | 7,046 |
| Total domestic deposits to total assets | 82.7607% | 4,695 |
| Equity capital to assets | 16.6174% | 573 |
| Core capital (leverage) ratio | 15.0820% | 702 |
| Tier 1 risk-based capital ratio | 37.2393% | 305 |
| Total risk-based capital ratio | 38.5137% | 296 |
| Memoranda: | ||
| Average total assets | $41,679,500 | 6,894 |
| Average earning assets | $35,577,000 | 6,969 |
| Average equity | $7,017,500 | 6,105 |
| Average total loans | $18,052,500 | 7,115 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 7,176 |
| Cost of funding earning assets | 0.5430% | 7,487 |
| Net interest margin | 3.6523% | 4,570 |
| Noninterest income to average assets | 1.5462% | 534 |
| Noninterest expense to average assets | 4.3284% | 701 |
| Loan and lease loss provision to assets | 0.0485% | 6,481 |
| Net operating income to assets | 0.1987% | 5,566 |
| Return on assets (ROA) | 0.1987% | 5,697 |
| Pretax return on assets | 0.2666% | 5,611 |
| Return on Equity (ROE) | 1.1750% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.1750% | 5,279 |
| Net charge-offs to loans | -0.0111% | 7,209 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4843% | 1,160 |
| Assets per employee ($millions) | 2.1940% | 7,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 5,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.0574% | 7,100 |
| Net loans and leases to deposits | 49.1797% | 7,104 |
| Net loans and leases to core deposits | 50.2104% | 7,200 |
| Total domestic deposits to total assets | 83.4845% | 4,350 |
| Equity capital to assets | 16.0073% | 668 |
| Core capital (leverage) ratio | 15.7039% | 606 |
| Tier 1 risk-based capital ratio | 34.6072% | 363 |
| Total risk-based capital ratio | 35.8395% | 358 |
| Memoranda: | ||
| Average total assets | $41,262,330 | 6,951 |
| Average earning assets | $34,991,330 | 7,042 |
| Average equity | $6,978,670 | 6,144 |
| Average total loans | $17,954,330 | 7,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 7,025 |
| Cost of funding earning assets | 0.5656% | 7,586 |
| Net interest margin | 3.8149% | 3,729 |
| Noninterest income to average assets | 1.5618% | 502 |
| Noninterest expense to average assets | 4.4952% | 583 |
| Loan and lease loss provision to assets | 0.0701% | 5,938 |
| Net operating income to assets | 0.1201% | 5,971 |
| Return on assets (ROA) | 0.1201% | 6,082 |
| Pretax return on assets | 0.1702% | 5,968 |
| Return on Equity (ROE) | 0.6901% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.6901% | 5,547 |
| Net charge-offs to loans | -0.0225% | 7,102 |
| Credit loss provision to net charge-offs | -700.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6575% | 1,156 |
| Assets per employee ($millions) | 1.8446% | 7,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 5,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 42.9205% | 7,065 |
| Net loans and leases to deposits | 52.1310% | 7,035 |
| Net loans and leases to core deposits | 52.1310% | 7,194 |
| Total domestic deposits to total assets | 82.3321% | 4,919 |
| Equity capital to assets | 17.1603% | 514 |
| Core capital (leverage) ratio | 15.9820% | 586 |
| Tier 1 risk-based capital ratio | 35.7787% | 337 |
| Total risk-based capital ratio | 37.0418% | 328 |
| Memoranda: | ||
| Average total assets | $39,953,500 | 7,088 |
| Average earning assets | $33,238,500 | 7,193 |
| Average equity | $6,956,000 | 6,205 |
| Average total loans | $17,810,000 | 7,273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 6,006 |
| Cost of funding earning assets | 0.6472% | 7,739 |
| Net interest margin | 4.4716% | 1,233 |
| Noninterest income to average assets | 1.7890% | 458 |
| Noninterest expense to average assets | 5.2208% | 454 |
| Loan and lease loss provision to assets | 0.0601% | 6,959 |
| Net operating income to assets | 0.1880% | 4,935 |
| Return on assets (ROA) | 0.1880% | 5,010 |
| Pretax return on assets | 0.2612% | 4,868 |
| Return on Equity (ROE) | 1.0476% | 5,220 |
| Retained earnings to average equity (ytd only) | 1.0476% | 4,306 |
| Net charge-offs to loans | 0.0465% | 6,640 |
| Credit loss provision to net charge-offs | 255.5556% | 1,376 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,411 |
| Efficiency ratio | 93.1668% | 1,473 |
| Assets per employee ($millions) | 1.8726% | 7,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 45.1672% | 7,042 |
| Net loans and leases to deposits | 55.1923% | 6,971 |
| Net loans and leases to core deposits | 58.9102% | 7,305 |
| Total domestic deposits to total assets | 81.8360% | 5,019 |
| Equity capital to assets | 17.6682% | 479 |
| Core capital (leverage) ratio | 16.8794% | 509 |
| Tier 1 risk-based capital ratio | 33.8872% | 376 |
| Total risk-based capital ratio | 35.0450% | 370 |
| Memoranda: | ||
| Average total assets | $38,288,800 | 7,164 |
| Average earning assets | $32,136,400 | 7,252 |
| Average equity | $6,873,000 | 6,308 |
| Average total loans | $19,356,200 | 7,240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 5,951 |
| Cost of funding earning assets | 0.6612% | 7,845 |
| Net interest margin | 4.5217% | 1,139 |
| Noninterest income to average assets | 1.7214% | 495 |
| Noninterest expense to average assets | 5.2274% | 420 |
| Loan and lease loss provision to assets | 0.0526% | 6,852 |
| Net operating income to assets | 0.2454% | 5,008 |
| Return on assets (ROA) | 0.2454% | 5,088 |
| Pretax return on assets | 0.3015% | 5,059 |
| Return on Equity (ROE) | 1.3616% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.3616% | 4,556 |
| Net charge-offs to loans | 0.0406% | 6,335 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 16.8325% | 1,444 |
| Efficiency ratio | 92.5879% | 1,491 |
| Assets per employee ($millions) | 1.7117% | 7,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,617 |
| Loan loss allowance to noncurrent loans | 3,014.2857% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 7,544 |
| Noncurrent loans to loans | 0.0371% | 7,422 |
| Net loans and leases to total assets | 49.6083% | 6,807 |
| Net loans and leases to deposits | 61.1529% | 6,739 |
| Net loans and leases to core deposits | 66.1368% | 7,157 |
| Total domestic deposits to total assets | 81.1217% | 5,028 |
| Equity capital to assets | 18.4348% | 474 |
| Core capital (leverage) ratio | 16.5428% | 611 |
| Tier 1 risk-based capital ratio | 32.4556% | 460 |
| Total risk-based capital ratio | 33.5429% | 454 |
| Memoranda: | ||
| Average total assets | $38,029,750 | 7,232 |
| Average earning assets | $32,464,750 | 7,308 |
| Average equity | $6,854,250 | 6,373 |
| Average total loans | $19,700,750 | 7,276 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 6,534 |
| Cost of funding earning assets | 0.6798% | 7,935 |
| Net interest margin | 4.3945% | 1,421 |
| Noninterest income to average assets | 1.6093% | 579 |
| Noninterest expense to average assets | 5.4673% | 387 |
| Loan and lease loss provision to assets | 0.0367% | 6,872 |
| Net operating income to assets | -0.0734% | 5,960 |
| Return on assets (ROA) | -0.0734% | 6,024 |
| Pretax return on assets | -0.0315% | 5,907 |
| Return on Equity (ROE) | -0.4103% | 5,984 |
| Retained earnings to average equity (ytd only) | -0.4103% | 5,326 |
| Net charge-offs to loans | 0.0901% | 5,286 |
| Credit loss provision to net charge-offs | 77.7778% | 5,257 |
| Earnings coverage of net charge-offs (x) | 0.1111% | 5,562 |
| Efficiency ratio | 98.8506% | 1,235 |
| Assets per employee ($millions) | 1.8864% | 7,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 5,963 |
| Loan loss allowance to noncurrent loans | 73.2601% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,686 |
| Noncurrent loans to loans | 1.4206% | 4,371 |
| Net loans and leases to total assets | 48.0058% | 7,031 |
| Net loans and leases to deposits | 58.3272% | 6,999 |
| Net loans and leases to core deposits | 62.0315% | 7,380 |
| Total domestic deposits to total assets | 82.3042% | 4,568 |
| Equity capital to assets | 17.2439% | 629 |
| Core capital (leverage) ratio | 16.1532% | 725 |
| Tier 1 risk-based capital ratio | 30.5580% | 568 |
| Total risk-based capital ratio | 31.5474% | 573 |
| Memoranda: | ||
| Average total assets | $38,154,000 | 7,286 |
| Average earning assets | $33,541,670 | 7,337 |
| Average equity | $6,825,000 | 6,432 |
| Average total loans | $19,970,330 | 7,325 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 6,547 |
| Cost of funding earning assets | 0.7420% | 7,970 |
| Net interest margin | 4.3931% | 1,358 |
| Noninterest income to average assets | 1.4964% | 630 |
| Noninterest expense to average assets | 6.1244% | 280 |
| Loan and lease loss provision to assets | 0.0855% | 5,863 |
| Net operating income to assets | -0.4810% | 6,858 |
| Return on assets (ROA) | -0.4810% | 6,916 |
| Pretax return on assets | -0.7268% | 6,985 |
| Return on Equity (ROE) | -2.6385% | 6,736 |
| Retained earnings to average equity (ytd only) | -2.6385% | 6,213 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5263% | 795 |
| Assets per employee ($millions) | 1.8067% | 8,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,976 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 5,550 |
| Noncurrent loans to loans | 1.1979% | 4,576 |
| Net loans and leases to total assets | 53.3527% | 6,545 |
| Net loans and leases to deposits | 65.3832% | 6,430 |
| Net loans and leases to core deposits | 69.7567% | 7,033 |
| Total domestic deposits to total assets | 81.5999% | 4,714 |
| Equity capital to assets | 17.9204% | 614 |
| Core capital (leverage) ratio | 16.4466% | 721 |
| Tier 1 risk-based capital ratio | 28.5834% | 711 |
| Total risk-based capital ratio | 29.5610% | 716 |
| Memoranda: | ||
| Average total assets | $37,424,000 | 7,352 |
| Average earning assets | $33,962,500 | 7,357 |
| Average equity | $6,822,000 | 6,471 |
| Average total loans | $20,347,000 | 7,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8668% | 6,198 |
| Cost of funding earning assets | 1.0089% | 8,051 |
| Net interest margin | 4.8579% | 691 |
| Noninterest income to average assets | 1.8913% | 379 |
| Noninterest expense to average assets | 4.8668% | 679 |
| Loan and lease loss provision to assets | 0.0211% | 7,128 |
| Net operating income to assets | 0.8889% | 3,043 |
| Return on assets (ROA) | 0.8889% | 2,887 |
| Pretax return on assets | 1.3347% | 2,187 |
| Return on Equity (ROE) | 4.9311% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.2730% | 4,454 |
| Net charge-offs to loans | 0.0153% | 6,675 |
| Credit loss provision to net charge-offs | 266.6667% | 1,733 |
| Earnings coverage of net charge-offs (x) | 171.3333% | 270 |
| Efficiency ratio | 77.2785% | 3,039 |
| Assets per employee ($millions) | 1.7575% | 8,067 |
| Cash dividends to net income (ytd only)* | 74.1840% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,078 |
| Loan loss allowance to noncurrent loans | 234.8837% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 6,637 |
| Noncurrent loans to loans | 0.4249% | 6,067 |
| Net loans and leases to total assets | 54.2972% | 6,623 |
| Net loans and leases to deposits | 67.0032% | 6,562 |
| Net loans and leases to core deposits | 72.1772% | 7,071 |
| Total domestic deposits to total assets | 81.0366% | 4,619 |
| Equity capital to assets | 18.5461% | 595 |
| Core capital (leverage) ratio | 16.6838% | 734 |
| Tier 1 risk-based capital ratio | 33.7079% | 485 |
| Total risk-based capital ratio | 34.8099% | 481 |
| Memoranda: | ||
| Average total assets | $37,910,000 | 7,308 |
| Average earning assets | $33,800,600 | 7,332 |
| Average equity | $6,834,200 | 6,512 |
| Average total loans | $19,615,600 | 7,354 |