Home > Southwest Bank of Weatherford > Performance and Condition Ratios
Southwest Bank of Weatherford, 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 | 5.4095% | 1,297 |
| Cost of funding earning assets | 1.1288% | 2,992 |
| Net interest margin | 4.2807% | 839 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.8703% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2113% | 1,626 |
| Return on assets (ROA) | 1.2113% | 1,591 |
| Pretax return on assets | 1.5967% | 1,236 |
| Return on Equity (ROE) | 9.3700% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.3744% | 1,163 |
| Net charge-offs to loans | 0.1001% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 29.0909% | 1,650 |
| Efficiency ratio | 64.2558% | 2,576 |
| Assets per employee ($millions) | 3.9306% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 576 |
| Loan loss allowance to noncurrent loans | 101.9330% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 504 |
| Noncurrent loans to loans | 1.7262% | 359 |
| Net loans and leases to total assets | 56.1800% | 3,177 |
| Net loans and leases to deposits | 65.3265% | 3,212 |
| Net loans and leases to core deposits | 67.8101% | 3,417 |
| Total domestic deposits to total assets | 86.0000% | 2,019 |
| Equity capital to assets | 13.9204% | 700 |
| Core capital (leverage) ratio | 14.5929% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6514% | 387 |
| Memoranda: | ||
| Average total assets | $80,164,800 | 4,011 |
| Average earning assets | $75,922,600 | 3,968 |
| Average equity | $10,358,000 | 3,681 |
| Average total loans | $43,938,800 | 3,935 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 1,427 |
| Cost of funding earning assets | 1.0469% | 2,899 |
| Net interest margin | 4.1701% | 962 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.7178% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2281% | 1,705 |
| Return on assets (ROA) | 1.2281% | 1,704 |
| Pretax return on assets | 1.6436% | 1,276 |
| Return on Equity (ROE) | 9.6900% | 2,738 |
| Retained earnings to average equity (ytd only) | 9.6879% | 1,497 |
| Net charge-offs to loans | 0.1099% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 27.5833% | 1,637 |
| Efficiency ratio | 62.3150% | 2,681 |
| Assets per employee ($millions) | 4.3061% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 535 |
| Loan loss allowance to noncurrent loans | 90.0901% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 453 |
| Noncurrent loans to loans | 2.0305% | 297 |
| Net loans and leases to total assets | 52.4700% | 3,461 |
| Net loans and leases to deposits | 60.2910% | 3,491 |
| Net loans and leases to core deposits | 62.4438% | 3,595 |
| Total domestic deposits to total assets | 87.0400% | 1,882 |
| Equity capital to assets | 12.7837% | 858 |
| Core capital (leverage) ratio | 13.8198% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7158% | 396 |
| Memoranda: | ||
| Average total assets | $80,553,250 | 4,028 |
| Average earning assets | $76,158,500 | 3,985 |
| Average equity | $10,211,750 | 3,701 |
| Average total loans | $43,685,250 | 3,951 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 1,718 |
| Cost of funding earning assets | 0.9901% | 2,635 |
| Net interest margin | 3.9286% | 1,375 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.6538% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0935% | 2,142 |
| Return on assets (ROA) | 1.0935% | 2,136 |
| Pretax return on assets | 1.4605% | 1,674 |
| Return on Equity (ROE) | 8.6700% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.6667% | 1,772 |
| Net charge-offs to loans | -0.0092% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.5024% | 2,426 |
| Assets per employee ($millions) | 4.4341% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 506 |
| Loan loss allowance to noncurrent loans | 97.8972% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 370 |
| Noncurrent loans to loans | 1.9335% | 296 |
| Net loans and leases to total assets | 54.4200% | 3,242 |
| Net loans and leases to deposits | 62.5782% | 3,271 |
| Net loans and leases to core deposits | 64.8573% | 3,401 |
| Total domestic deposits to total assets | 86.9600% | 1,941 |
| Equity capital to assets | 12.8763% | 841 |
| Core capital (leverage) ratio | 13.6932% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8872% | 358 |
| Memoranda: | ||
| Average total assets | $80,111,000 | 4,045 |
| Average earning assets | $75,345,333 | 4,012 |
| Average equity | $10,107,667 | 3,733 |
| Average total loans | $43,669,667 | 3,960 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 1,449 |
| Cost of funding earning assets | 0.9063% | 2,349 |
| Net interest margin | 3.9750% | 1,315 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5916% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1712% | 2,021 |
| Return on assets (ROA) | 1.1712% | 1,984 |
| Pretax return on assets | 1.5649% | 1,544 |
| Return on Equity (ROE) | 9.3800% | 2,952 |
| Retained earnings to average equity (ytd only) | 9.3784% | 1,843 |
| Net charge-offs to loans | 0.0092% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 357 |
| Efficiency ratio | 62.3501% | 2,646 |
| Assets per employee ($millions) | 4.5536% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 538 |
| Loan loss allowance to noncurrent loans | 96.9803% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 338 |
| Noncurrent loans to loans | 1.9549% | 293 |
| Net loans and leases to total assets | 52.7200% | 3,297 |
| Net loans and leases to deposits | 60.3009% | 3,313 |
| Net loans and leases to core deposits | 62.1868% | 3,437 |
| Total domestic deposits to total assets | 87.4200% | 2,123 |
| Equity capital to assets | 12.4115% | 892 |
| Core capital (leverage) ratio | 13.7817% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1853% | 425 |
| Memoranda: | ||
| Average total assets | $80,260,000 | 4,099 |
| Average earning assets | $75,471,000 | 4,062 |
| Average equity | $10,023,000 | 3,785 |
| Average total loans | $43,369,000 | 4,009 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 2,447 |
| Cost of funding earning assets | 0.2620% | 3,229 |
| Net interest margin | 3.4705% | 2,032 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.6802% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9602% | 2,726 |
| Return on assets (ROA) | 0.9602% | 2,671 |
| Pretax return on assets | 1.2465% | 2,288 |
| Return on Equity (ROE) | 8.3400% | 3,300 |
| Retained earnings to average equity (ytd only) | 8.3411% | 1,704 |
| Net charge-offs to loans | -0.0241% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.2564% | 1,930 |
| Assets per employee ($millions) | 3.7408% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 529 |
| Loan loss allowance to noncurrent loans | 88.8768% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 298 |
| Noncurrent loans to loans | 2.1478% | 245 |
| Net loans and leases to total assets | 53.3100% | 3,252 |
| Net loans and leases to deposits | 60.9971% | 3,272 |
| Net loans and leases to core deposits | 63.0666% | 3,325 |
| Total domestic deposits to total assets | 87.4000% | 2,270 |
| Equity capital to assets | 12.5681% | 793 |
| Core capital (leverage) ratio | 13.3772% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0426% | 330 |
| Memoranda: | ||
| Average total assets | $83,836,000 | 4,081 |
| Average earning assets | $79,383,800 | 4,041 |
| Average equity | $9,651,000 | 3,910 |
| Average total loans | $41,537,000 | 4,036 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 2,772 |
| Cost of funding earning assets | 0.2063% | 3,198 |
| Net interest margin | 3.2452% | 2,475 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.6053% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6748% | 3,634 |
| Return on assets (ROA) | 0.6748% | 3,593 |
| Pretax return on assets | 0.8893% | 3,347 |
| Return on Equity (ROE) | 5.9900% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,763 |
| Net charge-offs to loans | -0.0291% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.5520% | 1,228 |
| Assets per employee ($millions) | 4.0025% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 430 |
| Loan loss allowance to noncurrent loans | 74.2024% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 267 |
| Noncurrent loans to loans | 2.8025% | 177 |
| Net loans and leases to total assets | 45.6000% | 3,785 |
| Net loans and leases to deposits | 51.3918% | 3,771 |
| Net loans and leases to core deposits | 52.9904% | 3,810 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 11.1691% | 1,117 |
| Core capital (leverage) ratio | 12.3648% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9894% | 345 |
| Memoranda: | ||
| Average total assets | $85,156,000 | 4,103 |
| Average earning assets | $80,774,750 | 4,059 |
| Average equity | $9,595,500 | 3,961 |
| Average total loans | $41,247,500 | 4,064 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2875% | 2,776 |
| Cost of funding earning assets | 0.2095% | 2,796 |
| Net interest margin | 3.0780% | 2,608 |
| Noninterest income to average assets | 0.4116% | 2,681 |
| Noninterest expense to average assets | 2.5841% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5706% | 3,704 |
| Return on assets (ROA) | 0.5706% | 3,655 |
| Pretax return on assets | 0.7483% | 3,455 |
| Return on Equity (ROE) | 5.0493% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.0493% | 2,690 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5439% | 1,123 |
| Assets per employee ($millions) | 4.2763% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 581 |
| Loan loss allowance to noncurrent loans | 89.3452% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 391 |
| Noncurrent loans to loans | 2.2114% | 287 |
| Net loans and leases to total assets | 46.6986% | 3,664 |
| Net loans and leases to deposits | 52.5347% | 3,645 |
| Net loans and leases to core deposits | 54.3565% | 3,680 |
| Total domestic deposits to total assets | 88.8910% | 2,233 |
| Equity capital to assets | 11.0494% | 1,186 |
| Core capital (leverage) ratio | 12.0464% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0104% | 422 |
| Memoranda: | ||
| Average total assets | $85,523,667 | 4,134 |
| Average earning assets | $81,157,000 | 4,105 |
| Average equity | $9,664,667 | 4,035 |
| Average total loans | $41,949,000 | 4,108 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 2,544 |
| Cost of funding earning assets | 0.2115% | 2,648 |
| Net interest margin | 3.0352% | 2,383 |
| Noninterest income to average assets | 0.3976% | 2,706 |
| Noninterest expense to average assets | 2.5958% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5238% | 3,644 |
| Return on assets (ROA) | 0.5238% | 3,610 |
| Pretax return on assets | 0.6875% | 3,427 |
| Return on Equity (ROE) | 4.5845% | 3,734 |
| Retained earnings to average equity (ytd only) | 4.5845% | 2,744 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0598% | 1,225 |
| Assets per employee ($millions) | 4.2121% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 717 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 385 |
| Noncurrent loans to loans | 2.1912% | 308 |
| Net loans and leases to total assets | 48.8847% | 3,293 |
| Net loans and leases to deposits | 55.2039% | 3,325 |
| Net loans and leases to core deposits | 57.3695% | 3,358 |
| Total domestic deposits to total assets | 88.5531% | 2,276 |
| Equity capital to assets | 11.3994% | 1,162 |
| Core capital (leverage) ratio | 11.9472% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5105% | 460 |
| Memoranda: | ||
| Average total assets | $85,523,000 | 4,154 |
| Average earning assets | $81,312,500 | 4,123 |
| Average equity | $9,772,000 | 4,084 |
| Average total loans | $42,551,500 | 4,112 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 1,561 |
| Cost of funding earning assets | 0.2492% | 2,945 |
| Net interest margin | 3.6712% | 1,281 |
| Noninterest income to average assets | 0.4447% | 2,837 |
| Noninterest expense to average assets | 2.8874% | 1,181 |
| Loan and lease loss provision to assets | 0.0557% | 1,935 |
| Net operating income to assets | 0.7940% | 3,351 |
| Return on assets (ROA) | 0.7940% | 3,420 |
| Pretax return on assets | 1.0417% | 3,149 |
| Return on Equity (ROE) | 6.4817% | 3,646 |
| Retained earnings to average equity (ytd only) | 0.4146% | 4,392 |
| Net charge-offs to loans | 0.2235% | 414 |
| Credit loss provision to net charge-offs | 46.3918% | 2,155 |
| Earnings coverage of net charge-offs (x) | 9.1340% | 2,272 |
| Efficiency ratio | 72.4588% | 1,459 |
| Assets per employee ($millions) | 4.3403% | 4,243 |
| Cash dividends to net income (ytd only)* | 93.6037% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 772 |
| Loan loss allowance to noncurrent loans | 87.4050% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 455 |
| Noncurrent loans to loans | 2.1360% | 351 |
| Net loans and leases to total assets | 48.7437% | 3,429 |
| Net loans and leases to deposits | 55.0586% | 3,512 |
| Net loans and leases to core deposits | 57.3574% | 3,526 |
| Total domestic deposits to total assets | 88.5306% | 1,774 |
| Equity capital to assets | 11.4521% | 1,535 |
| Core capital (leverage) ratio | 11.9036% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8424% | 503 |
| Memoranda: | ||
| Average total assets | $80,730,800 | 4,209 |
| Average earning assets | $77,849,200 | 4,157 |
| Average equity | $9,889,400 | 4,142 |
| Average total loans | $43,407,200 | 4,124 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 1,134 |
| Cost of funding earning assets | 0.2601% | 3,017 |
| Net interest margin | 3.9241% | 895 |
| Noninterest income to average assets | 0.4612% | 2,791 |
| Noninterest expense to average assets | 2.9271% | 1,084 |
| Loan and lease loss provision to assets | 0.0757% | 1,536 |
| Net operating income to assets | 0.9493% | 3,082 |
| Return on assets (ROA) | 0.9493% | 3,165 |
| Pretax return on assets | 1.2422% | 2,795 |
| Return on Equity (ROE) | 7.6138% | 3,501 |
| Retained earnings to average equity (ytd only) | -0.4860% | 4,610 |
| Net charge-offs to loans | 0.2269% | 365 |
| Credit loss provision to net charge-offs | 60.8108% | 1,801 |
| Earnings coverage of net charge-offs (x) | 10.5811% | 2,033 |
| Efficiency ratio | 68.9532% | 1,713 |
| Assets per employee ($millions) | 3.9464% | 4,477 |
| Cash dividends to net income (ytd only)* | 106.3830% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 665 |
| Loan loss allowance to noncurrent loans | 82.3062% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 485 |
| Noncurrent loans to loans | 2.3992% | 326 |
| Net loans and leases to total assets | 49.5964% | 3,457 |
| Net loans and leases to deposits | 56.4485% | 3,541 |
| Net loans and leases to core deposits | 58.9138% | 3,557 |
| Total domestic deposits to total assets | 87.8612% | 1,929 |
| Equity capital to assets | 11.9903% | 1,406 |
| Core capital (leverage) ratio | 12.0479% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2811% | 518 |
| Memoranda: | ||
| Average total assets | $79,212,250 | 4,280 |
| Average earning assets | $76,381,250 | 4,231 |
| Average equity | $9,876,500 | 4,201 |
| Average total loans | $43,479,750 | 4,176 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 640 |
| Cost of funding earning assets | 0.2639% | 3,152 |
| Net interest margin | 4.3261% | 469 |
| Noninterest income to average assets | 0.4513% | 2,834 |
| Noninterest expense to average assets | 2.9619% | 1,046 |
| Loan and lease loss provision to assets | 0.1154% | 1,095 |
| Net operating income to assets | 1.1642% | 2,318 |
| Return on assets (ROA) | 1.1642% | 2,380 |
| Pretax return on assets | 1.5361% | 1,915 |
| Return on Equity (ROE) | 9.2124% | 3,034 |
| Retained earnings to average equity (ytd only) | -2.9626% | 4,717 |
| Net charge-offs to loans | 0.3409% | 254 |
| Credit loss provision to net charge-offs | 60.0000% | 1,558 |
| Earnings coverage of net charge-offs (x) | 8.5867% | 1,875 |
| Efficiency ratio | 64.2023% | 2,406 |
| Assets per employee ($millions) | 3.8716% | 4,510 |
| Cash dividends to net income (ytd only)* | 132.1586% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 776 |
| Loan loss allowance to noncurrent loans | 79.7493% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 510 |
| Noncurrent loans to loans | 2.3471% | 373 |
| Net loans and leases to total assets | 53.3258% | 3,220 |
| Net loans and leases to deposits | 60.8967% | 3,310 |
| Net loans and leases to core deposits | 63.3813% | 3,343 |
| Total domestic deposits to total assets | 87.5676% | 2,063 |
| Equity capital to assets | 12.1212% | 1,310 |
| Core capital (leverage) ratio | 12.0096% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5732% | 568 |
| Memoranda: | ||
| Average total assets | $77,991,333 | 4,324 |
| Average earning assets | $75,033,333 | 4,274 |
| Average equity | $9,856,333 | 4,218 |
| Average total loans | $43,996,000 | 4,195 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 402 |
| Cost of funding earning assets | 0.2675% | 3,301 |
| Net interest margin | 4.6510% | 286 |
| Noninterest income to average assets | 0.4244% | 2,960 |
| Noninterest expense to average assets | 2.8611% | 1,232 |
| Loan and lease loss provision to assets | 0.2358% | 466 |
| Net operating income to assets | 1.3572% | 1,669 |
| Return on assets (ROA) | 1.3572% | 1,758 |
| Pretax return on assets | 1.7921% | 1,302 |
| Return on Equity (ROE) | 10.5103% | 2,528 |
| Retained earnings to average equity (ytd only) | -13.8379% | 4,869 |
| Net charge-offs to loans | 0.7016% | 110 |
| Credit loss provision to net charge-offs | 58.4416% | 1,281 |
| Earnings coverage of net charge-offs (x) | 5.0260% | 1,698 |
| Efficiency ratio | 58.5209% | 3,231 |
| Assets per employee ($millions) | 3.9720% | 4,493 |
| Cash dividends to net income (ytd only)* | 231.6602% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 774 |
| Loan loss allowance to noncurrent loans | 89.0929% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 646 |
| Noncurrent loans to loans | 2.0968% | 493 |
| Net loans and leases to total assets | 54.5531% | 3,185 |
| Net loans and leases to deposits | 62.2408% | 3,302 |
| Net loans and leases to core deposits | 64.8340% | 3,330 |
| Total domestic deposits to total assets | 87.6485% | 2,017 |
| Equity capital to assets | 12.1375% | 1,227 |
| Core capital (leverage) ratio | 12.4872% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9387% | 520 |
| Memoranda: | ||
| Average total assets | $76,335,000 | 4,362 |
| Average earning assets | $73,274,000 | 4,309 |
| Average equity | $9,857,000 | 4,229 |
| Average total loans | $43,902,500 | 4,211 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 2,225 |
| Cost of funding earning assets | 0.4306% | 3,403 |
| Net interest margin | 3.7424% | 1,660 |
| Noninterest income to average assets | 0.4399% | 2,916 |
| Noninterest expense to average assets | 2.8473% | 1,824 |
| Loan and lease loss provision to assets | 0.0883% | 3,260 |
| Net operating income to assets | 0.8474% | 2,908 |
| Return on assets (ROA) | 0.8989% | 2,835 |
| Pretax return on assets | 1.1691% | 2,446 |
| Return on Equity (ROE) | 6.7911% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.7911% | 1,464 |
| Net charge-offs to loans | -0.0070% | 4,194 |
| Credit loss provision to net charge-offs | -2,166.6667% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4874% | 1,882 |
| Assets per employee ($millions) | 3.8542% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 636 |
| Loan loss allowance to noncurrent loans | 69.9592% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6728% | 398 |
| Noncurrent loans to loans | 2.8069% | 330 |
| Net loans and leases to total assets | 58.4269% | 3,042 |
| Net loans and leases to deposits | 67.9380% | 3,084 |
| Net loans and leases to core deposits | 71.0731% | 3,169 |
| Total domestic deposits to total assets | 86.0003% | 2,367 |
| Equity capital to assets | 13.7539% | 857 |
| Core capital (leverage) ratio | 12.9480% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1280% | 574 |
| Memoranda: | ||
| Average total assets | $73,648,800 | 4,330 |
| Average earning assets | $70,837,400 | 4,286 |
| Average equity | $9,748,000 | 4,223 |
| Average total loans | $42,962,600 | 4,256 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 2,121 |
| Cost of funding earning assets | 0.4588% | 3,477 |
| Net interest margin | 3.8341% | 1,521 |
| Noninterest income to average assets | 0.4538% | 2,833 |
| Noninterest expense to average assets | 2.7641% | 2,077 |
| Loan and lease loss provision to assets | 0.0908% | 3,177 |
| Net operating income to assets | 0.9831% | 2,397 |
| Return on assets (ROA) | 1.0431% | 2,302 |
| Pretax return on assets | 1.3613% | 1,848 |
| Return on Equity (ROE) | 7.9581% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.9581% | 1,319 |
| Net charge-offs to loans | -0.0031% | 3,955 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7686% | 2,357 |
| Assets per employee ($millions) | 4.0394% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 516 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6052% | 507 |
| Noncurrent loans to loans | 2.8980% | 332 |
| Net loans and leases to total assets | 54.2965% | 3,780 |
| Net loans and leases to deposits | 62.6091% | 3,895 |
| Net loans and leases to core deposits | 65.3279% | 3,936 |
| Total domestic deposits to total assets | 86.7230% | 1,763 |
| Equity capital to assets | 13.0073% | 1,181 |
| Core capital (leverage) ratio | 12.8715% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2044% | 568 |
| Memoranda: | ||
| Average total assets | $73,753,500 | 4,340 |
| Average earning assets | $70,905,500 | 4,297 |
| Average equity | $9,667,000 | 4,246 |
| Average total loans | $42,792,500 | 4,282 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 2,008 |
| Cost of funding earning assets | 0.4978% | 3,543 |
| Net interest margin | 3.9710% | 1,400 |
| Noninterest income to average assets | 0.4453% | 2,825 |
| Noninterest expense to average assets | 2.7792% | 2,139 |
| Loan and lease loss provision to assets | 0.0962% | 3,069 |
| Net operating income to assets | 1.0797% | 2,034 |
| Return on assets (ROA) | 1.1601% | 1,892 |
| Pretax return on assets | 1.5092% | 1,433 |
| Return on Equity (ROE) | 8.8269% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.8269% | 1,060 |
| Net charge-offs to loans | -0.0140% | 4,300 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8909% | 2,677 |
| Assets per employee ($millions) | 4.0725% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 556 |
| Loan loss allowance to noncurrent loans | 59.4964% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 442 |
| Noncurrent loans to loans | 3.1587% | 287 |
| Net loans and leases to total assets | 55.8014% | 3,703 |
| Net loans and leases to deposits | 64.1785% | 3,867 |
| Net loans and leases to core deposits | 66.9260% | 3,929 |
| Total domestic deposits to total assets | 86.9472% | 1,642 |
| Equity capital to assets | 12.6974% | 1,284 |
| Core capital (leverage) ratio | 12.8276% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3821% | 637 |
| Memoranda: | ||
| Average total assets | $72,755,000 | 4,358 |
| Average earning assets | $70,310,000 | 4,307 |
| Average equity | $9,561,667 | 4,270 |
| Average total loans | $42,886,000 | 4,296 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 2,598 |
| Cost of funding earning assets | 0.5413% | 3,734 |
| Net interest margin | 3.8657% | 1,778 |
| Noninterest income to average assets | 0.4883% | 2,612 |
| Noninterest expense to average assets | 2.8732% | 2,204 |
| Loan and lease loss provision to assets | 0.0852% | 2,626 |
| Net operating income to assets | 0.9697% | 2,284 |
| Return on assets (ROA) | 1.0505% | 2,103 |
| Pretax return on assets | 1.3628% | 1,678 |
| Return on Equity (ROE) | 7.8473% | 2,577 |
| Retained earnings to average equity (ytd only) | 7.8473% | 1,272 |
| Net charge-offs to loans | -0.0189% | 4,318 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1023% | 2,649 |
| Assets per employee ($millions) | 3.8080% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 639 |
| Loan loss allowance to noncurrent loans | 57.7061% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 447 |
| Noncurrent loans to loans | 3.2463% | 305 |
| Net loans and leases to total assets | 58.2804% | 3,648 |
| Net loans and leases to deposits | 67.2670% | 3,774 |
| Net loans and leases to core deposits | 70.3452% | 3,861 |
| Total domestic deposits to total assets | 86.6403% | 1,720 |
| Equity capital to assets | 13.1579% | 1,360 |
| Core capital (leverage) ratio | 13.3996% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4062% | 704 |
| Memoranda: | ||
| Average total assets | $70,443,500 | 4,406 |
| Average earning assets | $67,982,000 | 4,350 |
| Average equity | $9,430,000 | 4,306 |
| Average total loans | $42,326,500 | 4,322 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 3,495 |
| Cost of funding earning assets | 0.4676% | 4,211 |
| Net interest margin | 3.8470% | 2,349 |
| Noninterest income to average assets | 0.4987% | 2,750 |
| Noninterest expense to average assets | 3.0252% | 1,953 |
| Loan and lease loss provision to assets | 0.0204% | 3,612 |
| Net operating income to assets | 0.8988% | 3,212 |
| Return on assets (ROA) | 0.8967% | 3,301 |
| Pretax return on assets | 1.1501% | 3,009 |
| Return on Equity (ROE) | 7.1876% | 3,486 |
| Retained earnings to average equity (ytd only) | -0.4588% | 4,767 |
| Net charge-offs to loans | -0.0153% | 4,578 |
| Credit loss provision to net charge-offs | -250.0000% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0545% | 1,859 |
| Assets per employee ($millions) | 3.4268% | 4,544 |
| Cash dividends to net income (ytd only)* | 106.3830% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 563 |
| Loan loss allowance to noncurrent loans | 56.3571% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.0428% | 376 |
| Noncurrent loans to loans | 3.3588% | 251 |
| Net loans and leases to total assets | 59.6659% | 3,617 |
| Net loans and leases to deposits | 69.2123% | 3,727 |
| Net loans and leases to core deposits | 72.2397% | 3,845 |
| Total domestic deposits to total assets | 86.2070% | 1,981 |
| Equity capital to assets | 13.6281% | 1,237 |
| Core capital (leverage) ratio | 12.6506% | 1,407 |
| Tier 1 risk-based capital ratio | 20.9378% | 1,177 |
| Total risk-based capital ratio | 22.1935% | 1,152 |
| Memoranda: | ||
| Average total assets | $73,383,800 | 4,379 |
| Average earning assets | $70,575,000 | 4,337 |
| Average equity | $9,154,600 | 4,352 |
| Average total loans | $39,175,400 | 4,423 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 3,859 |
| Cost of funding earning assets | 0.4481% | 4,334 |
| Net interest margin | 3.7815% | 2,650 |
| Noninterest income to average assets | 0.4969% | 2,747 |
| Noninterest expense to average assets | 2.9313% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9215% | 3,270 |
| Return on assets (ROA) | 0.9187% | 3,357 |
| Pretax return on assets | 1.1975% | 2,988 |
| Return on Equity (ROE) | 7.5242% | 3,497 |
| Retained earnings to average equity (ytd only) | -1.2589% | 4,878 |
| Net charge-offs to loans | -0.0104% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9343% | 1,976 |
| Assets per employee ($millions) | 3.6060% | 4,382 |
| Cash dividends to net income (ytd only)* | 116.7309% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 502 |
| Loan loss allowance to noncurrent loans | 60.4706% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 614 |
| Noncurrent loans to loans | 3.2347% | 277 |
| Net loans and leases to total assets | 51.0320% | 4,371 |
| Net loans and leases to deposits | 58.4035% | 4,459 |
| Net loans and leases to core deposits | 60.2651% | 4,527 |
| Total domestic deposits to total assets | 87.3783% | 1,323 |
| Equity capital to assets | 12.2849% | 2,054 |
| Core capital (leverage) ratio | 12.3224% | 1,669 |
| Tier 1 risk-based capital ratio | 20.6703% | 1,239 |
| Total risk-based capital ratio | 21.9272% | 1,209 |
| Memoranda: | ||
| Average total assets | $74,596,000 | 4,421 |
| Average earning assets | $71,716,500 | 4,372 |
| Average equity | $9,108,250 | 4,407 |
| Average total loans | $38,549,000 | 4,494 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 3,618 |
| Cost of funding earning assets | 0.4329% | 4,384 |
| Net interest margin | 3.8734% | 2,332 |
| Noninterest income to average assets | 0.5147% | 2,592 |
| Noninterest expense to average assets | 2.8699% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0488% | 2,730 |
| Return on assets (ROA) | 1.0105% | 2,955 |
| Pretax return on assets | 1.3096% | 2,529 |
| Return on Equity (ROE) | 8.2934% | 3,168 |
| Retained earnings to average equity (ytd only) | -4.9760% | 5,058 |
| Net charge-offs to loans | -0.1568% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8776% | 2,552 |
| Assets per employee ($millions) | 3.9829% | 3,882 |
| Cash dividends to net income (ytd only)* | 160.0000% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 400 |
| Loan loss allowance to noncurrent loans | 64.9066% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.7171% | 613 |
| Noncurrent loans to loans | 3.2217% | 292 |
| Net loans and leases to total assets | 52.1829% | 4,342 |
| Net loans and leases to deposits | 60.0151% | 4,423 |
| Net loans and leases to core deposits | 62.5111% | 4,483 |
| Total domestic deposits to total assets | 86.9497% | 1,618 |
| Equity capital to assets | 12.7560% | 1,719 |
| Core capital (leverage) ratio | 12.0756% | 1,777 |
| Tier 1 risk-based capital ratio | 21.7552% | 1,085 |
| Total risk-based capital ratio | 23.0142% | 1,060 |
| Memoranda: | ||
| Average total assets | $74,219,000 | 4,459 |
| Average earning assets | $71,152,000 | 4,421 |
| Average equity | $9,043,330 | 4,429 |
| Average total loans | $38,260,000 | 4,541 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 4,116 |
| Cost of funding earning assets | 0.3967% | 4,496 |
| Net interest margin | 3.7077% | 2,865 |
| Noninterest income to average assets | 0.5034% | 2,535 |
| Noninterest expense to average assets | 2.7238% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0443% | 2,681 |
| Return on assets (ROA) | 0.9857% | 2,943 |
| Pretax return on assets | 1.2718% | 2,564 |
| Return on Equity (ROE) | 8.2736% | 3,129 |
| Retained earnings to average equity (ytd only) | -18.4153% | 5,243 |
| Net charge-offs to loans | -0.0522% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9271% | 2,808 |
| Assets per employee ($millions) | 4.3509% | 3,415 |
| Cash dividends to net income (ytd only)* | 322.5806% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 426 |
| Loan loss allowance to noncurrent loans | 51.9140% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.9012% | 540 |
| Noncurrent loans to loans | 4.0137% | 188 |
| Net loans and leases to total assets | 46.3820% | 4,652 |
| Net loans and leases to deposits | 52.3634% | 4,742 |
| Net loans and leases to core deposits | 54.5724% | 4,763 |
| Total domestic deposits to total assets | 88.5772% | 1,046 |
| Equity capital to assets | 11.2900% | 2,569 |
| Core capital (leverage) ratio | 11.8602% | 1,860 |
| Tier 1 risk-based capital ratio | 21.0871% | 1,152 |
| Total risk-based capital ratio | 22.3453% | 1,130 |
| Memoranda: | ||
| Average total assets | $75,482,500 | 4,495 |
| Average earning assets | $72,606,500 | 4,439 |
| Average equity | $8,992,500 | 4,467 |
| Average total loans | $38,285,000 | 4,586 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 3,007 |
| Cost of funding earning assets | 0.3239% | 4,443 |
| Net interest margin | 4.0058% | 1,971 |
| Noninterest income to average assets | 0.5057% | 2,808 |
| Noninterest expense to average assets | 2.8652% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1886% | 2,227 |
| Return on assets (ROA) | 1.2038% | 2,145 |
| Pretax return on assets | 1.5171% | 1,724 |
| Return on Equity (ROE) | 9.9041% | 2,558 |
| Retained earnings to average equity (ytd only) | 3.1205% | 3,829 |
| Net charge-offs to loans | 0.0490% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 57.3684% | 1,049 |
| Efficiency ratio | 65.6693% | 2,919 |
| Assets per employee ($millions) | 4.0360% | 3,849 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 525 |
| Loan loss allowance to noncurrent loans | 61.2261% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7289% | 616 |
| Noncurrent loans to loans | 3.1820% | 304 |
| Net loans and leases to total assets | 53.2747% | 4,335 |
| Net loans and leases to deposits | 60.9688% | 4,430 |
| Net loans and leases to core deposits | 64.0460% | 4,447 |
| Total domestic deposits to total assets | 87.3802% | 1,592 |
| Equity capital to assets | 12.5853% | 1,542 |
| Core capital (leverage) ratio | 12.6163% | 1,404 |
| Tier 1 risk-based capital ratio | 21.6848% | 1,071 |
| Total risk-based capital ratio | 22.9420% | 1,050 |
| Memoranda: | ||
| Average total assets | $72,769,800 | 4,540 |
| Average earning assets | $70,073,200 | 4,492 |
| Average equity | $8,844,800 | 4,475 |
| Average total loans | $38,762,200 | 4,590 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 3,111 |
| Cost of funding earning assets | 0.3065% | 4,475 |
| Net interest margin | 3.9558% | 2,105 |
| Noninterest income to average assets | 0.4945% | 2,906 |
| Noninterest expense to average assets | 2.7545% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1958% | 2,258 |
| Return on assets (ROA) | 1.2161% | 2,176 |
| Pretax return on assets | 1.5714% | 1,670 |
| Return on Equity (ROE) | 10.0945% | 2,578 |
| Retained earnings to average equity (ytd only) | 0.9729% | 4,858 |
| Net charge-offs to loans | -0.1037% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0545% | 3,178 |
| Assets per employee ($millions) | 4.0526% | 3,802 |
| Cash dividends to net income (ytd only)* | 90.3616% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0730% | 427 |
| Loan loss allowance to noncurrent loans | 72.9464% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 827 |
| Noncurrent loans to loans | 2.8418% | 407 |
| Net loans and leases to total assets | 52.9083% | 4,432 |
| Net loans and leases to deposits | 60.3471% | 4,527 |
| Net loans and leases to core deposits | 63.3629% | 4,556 |
| Total domestic deposits to total assets | 87.6732% | 1,408 |
| Equity capital to assets | 12.1225% | 1,823 |
| Core capital (leverage) ratio | 11.6949% | 2,014 |
| Tier 1 risk-based capital ratio | 19.8927% | 1,356 |
| Total risk-based capital ratio | 21.1503% | 1,320 |
| Memoranda: | ||
| Average total assets | $72,800,250 | 4,594 |
| Average earning assets | $70,039,750 | 4,540 |
| Average equity | $8,770,250 | 4,531 |
| Average total loans | $38,584,750 | 4,643 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,833 |
| Cost of funding earning assets | 0.2915% | 4,478 |
| Net interest margin | 3.9897% | 1,898 |
| Noninterest income to average assets | 0.5498% | 2,579 |
| Noninterest expense to average assets | 2.7463% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2660% | 1,911 |
| Return on assets (ROA) | 1.2921% | 1,799 |
| Pretax return on assets | 1.6742% | 1,286 |
| Return on Equity (ROE) | 10.7478% | 2,210 |
| Retained earnings to average equity (ytd only) | -2.9728% | 5,207 |
| Net charge-offs to loans | 0.0783% | 1,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,306 |
| Efficiency ratio | 62.5940% | 3,549 |
| Assets per employee ($millions) | 4.1127% | 3,707 |
| Cash dividends to net income (ytd only)* | 127.6596% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 517 |
| Loan loss allowance to noncurrent loans | 164.2553% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 2,319 |
| Noncurrent loans to loans | 1.2192% | 1,421 |
| Net loans and leases to total assets | 51.0314% | 4,542 |
| Net loans and leases to deposits | 57.9737% | 4,644 |
| Net loans and leases to core deposits | 60.5650% | 4,677 |
| Total domestic deposits to total assets | 88.0250% | 1,371 |
| Equity capital to assets | 11.7576% | 2,014 |
| Core capital (leverage) ratio | 11.4998% | 2,077 |
| Tier 1 risk-based capital ratio | 19.6173% | 1,398 |
| Total risk-based capital ratio | 20.8745% | 1,363 |
| Memoranda: | ||
| Average total assets | $72,751,330 | 4,643 |
| Average earning assets | $69,980,670 | 4,593 |
| Average equity | $8,746,000 | 4,572 |
| Average total loans | $38,309,000 | 4,692 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 2,966 |
| Cost of funding earning assets | 0.2764% | 4,534 |
| Net interest margin | 3.8986% | 2,050 |
| Noninterest income to average assets | 0.6323% | 2,117 |
| Noninterest expense to average assets | 2.6126% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3756% | 1,407 |
| Return on assets (ROA) | 1.3756% | 1,421 |
| Pretax return on assets | 1.7750% | 957 |
| Return on Equity (ROE) | 11.3152% | 1,848 |
| Retained earnings to average equity (ytd only) | -16.0602% | 5,467 |
| Net charge-offs to loans | 0.1152% | 1,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 29.0909% | 1,257 |
| Efficiency ratio | 59.5449% | 4,125 |
| Assets per employee ($millions) | 4.1518% | 3,722 |
| Cash dividends to net income (ytd only)* | 241.9355% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 494 |
| Loan loss allowance to noncurrent loans | 371.2919% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 3,742 |
| Noncurrent loans to loans | 0.5502% | 2,875 |
| Net loans and leases to total assets | 49.7926% | 4,572 |
| Net loans and leases to deposits | 56.3146% | 4,676 |
| Net loans and leases to core deposits | 58.8195% | 4,710 |
| Total domestic deposits to total assets | 88.4186% | 1,401 |
| Equity capital to assets | 11.4275% | 2,195 |
| Core capital (leverage) ratio | 12.1057% | 1,585 |
| Tier 1 risk-based capital ratio | 19.8232% | 1,376 |
| Total risk-based capital ratio | 21.0790% | 1,346 |
| Memoranda: | ||
| Average total assets | $72,112,500 | 4,706 |
| Average earning assets | $69,460,000 | 4,653 |
| Average equity | $8,767,000 | 4,614 |
| Average total loans | $38,188,500 | 4,743 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,301 |
| Cost of funding earning assets | 0.2595% | 4,484 |
| Net interest margin | 4.0474% | 1,596 |
| Noninterest income to average assets | 0.5361% | 2,793 |
| Noninterest expense to average assets | 3.1560% | 1,709 |
| Loan and lease loss provision to assets | 0.0721% | 2,772 |
| Net operating income to assets | 0.8751% | 2,837 |
| Return on assets (ROA) | 0.8877% | 2,803 |
| Pretax return on assets | 1.2134% | 2,717 |
| Return on Equity (ROE) | 7.0329% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.0329% | 1,061 |
| Net charge-offs to loans | -0.0730% | 5,294 |
| Credit loss provision to net charge-offs | -178.5714% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3355% | 2,328 |
| Assets per employee ($millions) | 3.8607% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 487 |
| Loan loss allowance to noncurrent loans | 294.7566% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 3,326 |
| Noncurrent loans to loans | 0.6955% | 2,471 |
| Net loans and leases to total assets | 54.1105% | 4,353 |
| Net loans and leases to deposits | 62.1825% | 4,431 |
| Net loans and leases to core deposits | 65.2105% | 4,463 |
| Total domestic deposits to total assets | 87.0188% | 1,989 |
| Equity capital to assets | 12.9423% | 1,293 |
| Core capital (leverage) ratio | 12.9234% | 1,170 |
| Tier 1 risk-based capital ratio | 20.7524% | 1,184 |
| Total risk-based capital ratio | 22.0087% | 1,158 |
| Memoranda: | ||
| Average total assets | $69,392,600 | 4,786 |
| Average earning assets | $66,660,000 | 4,733 |
| Average equity | $8,758,800 | 4,655 |
| Average total loans | $38,330,600 | 4,783 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,618 |
| Cost of funding earning assets | 0.2542% | 4,528 |
| Net interest margin | 3.9454% | 1,874 |
| Noninterest income to average assets | 0.4920% | 3,077 |
| Noninterest expense to average assets | 3.0580% | 1,929 |
| Loan and lease loss provision to assets | 0.0961% | 2,178 |
| Net operating income to assets | 0.8080% | 3,492 |
| Return on assets (ROA) | 0.8246% | 3,449 |
| Pretax return on assets | 1.1494% | 3,119 |
| Return on Equity (ROE) | 6.5746% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.5746% | 1,929 |
| Net charge-offs to loans | -0.0974% | 5,372 |
| Credit loss provision to net charge-offs | -178.5714% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4414% | 2,294 |
| Assets per employee ($millions) | 3.8773% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0571% | 514 |
| Loan loss allowance to noncurrent loans | 81.4700% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 1,131 |
| Noncurrent loans to loans | 2.5250% | 600 |
| Net loans and leases to total assets | 53.6889% | 4,438 |
| Net loans and leases to deposits | 61.6729% | 4,544 |
| Net loans and leases to core deposits | 64.7217% | 4,571 |
| Total domestic deposits to total assets | 87.0542% | 1,848 |
| Equity capital to assets | 12.7567% | 1,509 |
| Core capital (leverage) ratio | 12.6661% | 1,345 |
| Tier 1 risk-based capital ratio | 19.9032% | 1,375 |
| Total risk-based capital ratio | 21.1607% | 1,342 |
| Memoranda: | ||
| Average total assets | $69,367,500 | 4,837 |
| Average earning assets | $66,607,750 | 4,784 |
| Average equity | $8,700,000 | 4,713 |
| Average total loans | $38,315,750 | 4,831 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,492 |
| Cost of funding earning assets | 0.2441% | 4,596 |
| Net interest margin | 3.9507% | 1,773 |
| Noninterest income to average assets | 0.4969% | 3,047 |
| Noninterest expense to average assets | 2.9209% | 2,358 |
| Loan and lease loss provision to assets | 0.1445% | 1,413 |
| Net operating income to assets | 0.8764% | 3,036 |
| Return on assets (ROA) | 0.9014% | 2,960 |
| Pretax return on assets | 1.2539% | 2,564 |
| Return on Equity (ROE) | 7.2286% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.2286% | 1,482 |
| Net charge-offs to loans | -0.1461% | 5,518 |
| Credit loss provision to net charge-offs | -178.5714% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1726% | 2,981 |
| Assets per employee ($millions) | 3.8962% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 502 |
| Loan loss allowance to noncurrent loans | 229.4461% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 3,130 |
| Noncurrent loans to loans | 0.9195% | 2,135 |
| Net loans and leases to total assets | 52.0654% | 4,564 |
| Net loans and leases to deposits | 59.6800% | 4,654 |
| Net loans and leases to core deposits | 62.3350% | 4,699 |
| Total domestic deposits to total assets | 87.2410% | 1,836 |
| Equity capital to assets | 12.5579% | 1,590 |
| Core capital (leverage) ratio | 12.6767% | 1,303 |
| Tier 1 risk-based capital ratio | 19.8887% | 1,387 |
| Total risk-based capital ratio | 21.1463% | 1,353 |
| Memoranda: | ||
| Average total assets | $69,226,330 | 4,875 |
| Average earning assets | $66,367,670 | 4,821 |
| Average equity | $8,632,330 | 4,748 |
| Average total loans | $38,335,330 | 4,863 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,127 |
| Cost of funding earning assets | 0.2431% | 4,592 |
| Net interest margin | 3.9987% | 1,479 |
| Noninterest income to average assets | 0.5118% | 2,901 |
| Noninterest expense to average assets | 2.7976% | 2,801 |
| Loan and lease loss provision to assets | 0.1163% | 1,649 |
| Net operating income to assets | 1.0120% | 2,255 |
| Return on assets (ROA) | 1.0120% | 2,308 |
| Pretax return on assets | 1.4250% | 1,787 |
| Return on Equity (ROE) | 8.1451% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.1451% | 1,397 |
| Net charge-offs to loans | -0.2471% | 5,657 |
| Credit loss provision to net charge-offs | -83.3333% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4772% | 3,762 |
| Assets per employee ($millions) | 3.6720% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 709 |
| Loan loss allowance to noncurrent loans | 202.9650% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 3,106 |
| Noncurrent loans to loans | 0.9704% | 2,108 |
| Net loans and leases to total assets | 53.7166% | 4,359 |
| Net loans and leases to deposits | 61.6621% | 4,455 |
| Net loans and leases to core deposits | 64.4710% | 4,511 |
| Total domestic deposits to total assets | 87.1144% | 2,153 |
| Equity capital to assets | 12.3982% | 1,596 |
| Core capital (leverage) ratio | 12.6267% | 1,277 |
| Tier 1 risk-based capital ratio | 19.1005% | 1,587 |
| Total risk-based capital ratio | 20.3568% | 1,551 |
| Memoranda: | ||
| Average total assets | $68,774,000 | 4,936 |
| Average earning assets | $65,821,500 | 4,883 |
| Average equity | $8,545,000 | 4,805 |
| Average total loans | $38,852,500 | 4,895 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,037 |
| Cost of funding earning assets | 0.2612% | 4,451 |
| Net interest margin | 4.0716% | 1,447 |
| Noninterest income to average assets | 0.7188% | 2,087 |
| Noninterest expense to average assets | 2.9369% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2210% | 1,436 |
| Return on assets (ROA) | 1.2314% | 1,494 |
| Pretax return on assets | 1.6796% | 1,055 |
| Return on Equity (ROE) | 10.0913% | 1,919 |
| Retained earnings to average equity (ytd only) | 4.2243% | 2,900 |
| Net charge-offs to loans | -0.2783% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8146% | 3,969 |
| Assets per employee ($millions) | 3.5674% | 4,658 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 952 |
| Loan loss allowance to noncurrent loans | 281.3492% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 3,796 |
| Noncurrent loans to loans | 0.6384% | 2,940 |
| Net loans and leases to total assets | 57.1939% | 4,148 |
| Net loans and leases to deposits | 65.5861% | 4,279 |
| Net loans and leases to core deposits | 68.6586% | 4,350 |
| Total domestic deposits to total assets | 87.2042% | 2,022 |
| Equity capital to assets | 12.4521% | 1,552 |
| Core capital (leverage) ratio | 12.1525% | 1,508 |
| Tier 1 risk-based capital ratio | 18.1733% | 1,807 |
| Total risk-based capital ratio | 19.4260% | 1,769 |
| Memoranda: | ||
| Average total assets | $69,836,600 | 4,940 |
| Average earning assets | $66,607,400 | 4,879 |
| Average equity | $8,522,200 | 4,836 |
| Average total loans | $38,801,800 | 4,918 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,134 |
| Cost of funding earning assets | 0.2623% | 4,475 |
| Net interest margin | 4.0471% | 1,533 |
| Noninterest income to average assets | 0.7183% | 2,090 |
| Noninterest expense to average assets | 2.7765% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3199% | 1,232 |
| Return on assets (ROA) | 1.3323% | 1,289 |
| Pretax return on assets | 1.8194% | 866 |
| Return on Equity (ROE) | 10.9720% | 1,681 |
| Retained earnings to average equity (ytd only) | 3.1683% | 4,015 |
| Net charge-offs to loans | -0.3831% | 5,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6374% | 4,448 |
| Assets per employee ($millions) | 3.7046% | 4,462 |
| Cash dividends to net income (ytd only)* | 71.1237% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 866 |
| Loan loss allowance to noncurrent loans | 269.6970% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 3,922 |
| Noncurrent loans to loans | 0.7017% | 2,933 |
| Net loans and leases to total assets | 52.4372% | 4,623 |
| Net loans and leases to deposits | 60.1173% | 4,748 |
| Net loans and leases to core deposits | 63.0923% | 4,767 |
| Total domestic deposits to total assets | 87.2249% | 1,789 |
| Equity capital to assets | 12.0406% | 2,091 |
| Core capital (leverage) ratio | 11.7868% | 1,820 |
| Tier 1 risk-based capital ratio | 17.9796% | 1,931 |
| Total risk-based capital ratio | 19.2339% | 1,894 |
| Memoranda: | ||
| Average total assets | $70,350,750 | 4,968 |
| Average earning assets | $67,107,250 | 4,907 |
| Average equity | $8,542,750 | 4,877 |
| Average total loans | $38,633,500 | 4,970 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 1,917 |
| Cost of funding earning assets | 0.2645% | 4,506 |
| Net interest margin | 4.1049% | 1,354 |
| Noninterest income to average assets | 0.8018% | 1,706 |
| Noninterest expense to average assets | 2.7780% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4454% | 976 |
| Return on assets (ROA) | 1.4643% | 998 |
| Pretax return on assets | 1.9762% | 598 |
| Return on Equity (ROE) | 12.0252% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.0252% | 322 |
| Net charge-offs to loans | -0.6774% | 5,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7492% | 4,802 |
| Assets per employee ($millions) | 3.6903% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 892 |
| Loan loss allowance to noncurrent loans | 538.9706% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 4,708 |
| Noncurrent loans to loans | 0.3529% | 4,108 |
| Net loans and leases to total assets | 53.9157% | 4,520 |
| Net loans and leases to deposits | 62.1607% | 4,642 |
| Net loans and leases to core deposits | 65.3105% | 4,659 |
| Total domestic deposits to total assets | 86.7361% | 2,044 |
| Equity capital to assets | 12.5751% | 1,725 |
| Core capital (leverage) ratio | 12.1616% | 1,531 |
| Tier 1 risk-based capital ratio | 18.6365% | 1,770 |
| Total risk-based capital ratio | 19.8911% | 1,734 |
| Memoranda: | ||
| Average total assets | $70,338,670 | 5,016 |
| Average earning assets | $67,285,000 | 4,953 |
| Average equity | $8,565,330 | 4,909 |
| Average total loans | $38,971,000 | 5,006 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 1,811 |
| Cost of funding earning assets | 0.2670% | 4,531 |
| Net interest margin | 4.1290% | 1,265 |
| Noninterest income to average assets | 1.0390% | 1,005 |
| Noninterest expense to average assets | 2.7140% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7487% | 514 |
| Return on assets (ROA) | 1.7487% | 551 |
| Pretax return on assets | 2.2768% | 331 |
| Return on Equity (ROE) | 14.5980% | 729 |
| Retained earnings to average equity (ytd only) | 14.5980% | 275 |
| Net charge-offs to loans | -1.2963% | 6,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3800% | 5,351 |
| Assets per employee ($millions) | 3.7018% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 1,023 |
| Loan loss allowance to noncurrent loans | 520.0000% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,765 |
| Noncurrent loans to loans | 0.3585% | 4,147 |
| Net loans and leases to total assets | 54.4878% | 4,401 |
| Net loans and leases to deposits | 62.4984% | 4,545 |
| Net loans and leases to core deposits | 67.1314% | 4,465 |
| Total domestic deposits to total assets | 87.1828% | 2,112 |
| Equity capital to assets | 12.2400% | 1,862 |
| Core capital (leverage) ratio | 11.6538% | 1,862 |
| Tier 1 risk-based capital ratio | 17.6873% | 2,075 |
| Total risk-based capital ratio | 18.9419% | 2,038 |
| Memoranda: | ||
| Average total assets | $70,450,500 | 5,058 |
| Average earning assets | $67,426,000 | 4,992 |
| Average equity | $8,439,500 | 4,964 |
| Average total loans | $39,188,500 | 5,038 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,005 |
| Cost of funding earning assets | 0.2790% | 4,496 |
| Net interest margin | 4.0884% | 1,441 |
| Noninterest income to average assets | 0.6542% | 2,439 |
| Noninterest expense to average assets | 2.7750% | 3,332 |
| Loan and lease loss provision to assets | 0.1649% | 1,393 |
| Net operating income to assets | 1.1229% | 1,827 |
| Return on assets (ROA) | 1.1298% | 1,868 |
| Pretax return on assets | 1.5710% | 1,338 |
| Return on Equity (ROE) | 9.7887% | 2,087 |
| Retained earnings to average equity (ytd only) | 0.8574% | 5,177 |
| Net charge-offs to loans | 0.7271% | 329 |
| Credit loss provision to net charge-offs | 43.6364% | 3,486 |
| Earnings coverage of net charge-offs (x) | 4.5673% | 3,524 |
| Efficiency ratio | 61.6489% | 4,667 |
| Assets per employee ($millions) | 3.7140% | 4,452 |
| Cash dividends to net income (ytd only)* | 91.2409% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,868 |
| Loan loss allowance to noncurrent loans | 411.6438% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 4,769 |
| Noncurrent loans to loans | 0.3713% | 4,116 |
| Net loans and leases to total assets | 54.8763% | 4,407 |
| Net loans and leases to deposits | 62.3766% | 4,605 |
| Net loans and leases to core deposits | 68.1041% | 4,444 |
| Total domestic deposits to total assets | 87.9758% | 1,644 |
| Equity capital to assets | 11.7195% | 2,179 |
| Core capital (leverage) ratio | 11.0129% | 2,393 |
| Tier 1 risk-based capital ratio | 16.9879% | 2,289 |
| Total risk-based capital ratio | 18.2391% | 2,239 |
| Memoranda: | ||
| Average total assets | $72,757,200 | 5,021 |
| Average earning assets | $68,462,600 | 4,969 |
| Average equity | $8,397,400 | 4,979 |
| Average total loans | $37,821,400 | 5,095 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 2,089 |
| Cost of funding earning assets | 0.2772% | 4,594 |
| Net interest margin | 4.0686% | 1,499 |
| Noninterest income to average assets | 0.6912% | 2,276 |
| Noninterest expense to average assets | 2.5664% | 3,992 |
| Loan and lease loss provision to assets | 0.1637% | 1,300 |
| Net operating income to assets | 1.2858% | 1,379 |
| Return on assets (ROA) | 1.2950% | 1,409 |
| Pretax return on assets | 1.7916% | 916 |
| Return on Equity (ROE) | 11.2621% | 1,605 |
| Retained earnings to average equity (ytd only) | -0.6011% | 5,702 |
| Net charge-offs to loans | 0.8083% | 250 |
| Credit loss provision to net charge-offs | 39.6476% | 3,162 |
| Earnings coverage of net charge-offs (x) | 4.7048% | 3,308 |
| Efficiency ratio | 56.9181% | 5,237 |
| Assets per employee ($millions) | 3.8631% | 4,148 |
| Cash dividends to net income (ytd only)* | 105.3376% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,567 |
| Loan loss allowance to noncurrent loans | 407.2368% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 4,928 |
| Noncurrent loans to loans | 0.4091% | 4,142 |
| Net loans and leases to total assets | 49.7772% | 4,949 |
| Net loans and leases to deposits | 56.2742% | 5,105 |
| Net loans and leases to core deposits | 61.1901% | 4,988 |
| Total domestic deposits to total assets | 88.4549% | 1,311 |
| Equity capital to assets | 11.1582% | 2,838 |
| Core capital (leverage) ratio | 10.7665% | 2,750 |
| Tier 1 risk-based capital ratio | 16.6980% | 2,481 |
| Total risk-based capital ratio | 17.9493% | 2,439 |
| Memoranda: | ||
| Average total assets | $73,305,000 | 5,067 |
| Average earning assets | $68,785,750 | 5,020 |
| Average equity | $8,429,250 | 5,035 |
| Average total loans | $37,445,500 | 5,163 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 1,917 |
| Cost of funding earning assets | 0.2786% | 4,629 |
| Net interest margin | 4.1022% | 1,346 |
| Noninterest income to average assets | 0.7452% | 2,021 |
| Noninterest expense to average assets | 2.5275% | 4,145 |
| Loan and lease loss provision to assets | 0.1638% | 1,282 |
| Net operating income to assets | 1.3655% | 1,152 |
| Return on assets (ROA) | 1.3675% | 1,198 |
| Pretax return on assets | 1.8752% | 776 |
| Return on Equity (ROE) | 11.7758% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.7758% | 417 |
| Net charge-offs to loans | -0.0852% | 5,729 |
| Credit loss provision to net charge-offs | -375.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3828% | 5,484 |
| Assets per employee ($millions) | 3.8707% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2093% | 728 |
| Loan loss allowance to noncurrent loans | 275.4967% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,272 |
| Noncurrent loans to loans | 0.8019% | 3,110 |
| Net loans and leases to total assets | 50.0748% | 4,925 |
| Net loans and leases to deposits | 56.9839% | 5,064 |
| Net loans and leases to core deposits | 61.9358% | 4,950 |
| Total domestic deposits to total assets | 87.8753% | 1,711 |
| Equity capital to assets | 11.7984% | 2,163 |
| Core capital (leverage) ratio | 11.4862% | 2,002 |
| Tier 1 risk-based capital ratio | 17.8136% | 2,127 |
| Total risk-based capital ratio | 19.0695% | 2,078 |
| Memoranda: | ||
| Average total assets | $73,273,670 | 5,120 |
| Average earning assets | $68,207,330 | 5,091 |
| Average equity | $8,509,000 | 5,054 |
| Average total loans | $37,542,330 | 5,202 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 1,998 |
| Cost of funding earning assets | 0.2915% | 4,536 |
| Net interest margin | 4.0392% | 1,442 |
| Noninterest income to average assets | 0.7766% | 1,804 |
| Noninterest expense to average assets | 2.4720% | 4,361 |
| Loan and lease loss provision to assets | 0.1641% | 1,221 |
| Net operating income to assets | 1.4001% | 1,037 |
| Return on assets (ROA) | 1.4001% | 1,090 |
| Pretax return on assets | 1.8540% | 788 |
| Return on Equity (ROE) | 12.1543% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.1543% | 549 |
| Net charge-offs to loans | -0.0960% | 5,840 |
| Credit loss provision to net charge-offs | -333.3333% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0548% | 5,593 |
| Assets per employee ($millions) | 3.8909% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 910 |
| Loan loss allowance to noncurrent loans | 262.3762% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 4,064 |
| Noncurrent loans to loans | 0.8061% | 3,229 |
| Net loans and leases to total assets | 49.7687% | 4,877 |
| Net loans and leases to deposits | 56.6186% | 5,011 |
| Net loans and leases to core deposits | 61.7633% | 4,855 |
| Total domestic deposits to total assets | 87.9017% | 1,881 |
| Equity capital to assets | 11.6167% | 2,363 |
| Core capital (leverage) ratio | 11.2932% | 2,162 |
| Tier 1 risk-based capital ratio | 16.9648% | 2,488 |
| Total risk-based capital ratio | 18.2234% | 2,443 |
| Memoranda: | ||
| Average total assets | $73,138,500 | 5,169 |
| Average earning assets | $67,240,500 | 5,163 |
| Average equity | $8,425,000 | 5,106 |
| Average total loans | $37,484,000 | 5,229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 1,266 |
| Cost of funding earning assets | 0.2898% | 4,902 |
| Net interest margin | 4.4270% | 851 |
| Noninterest income to average assets | 0.6838% | 2,375 |
| Noninterest expense to average assets | 2.8869% | 3,185 |
| Loan and lease loss provision to assets | 0.1750% | 1,480 |
| Net operating income to assets | 1.1664% | 1,689 |
| Return on assets (ROA) | 1.1664% | 1,766 |
| Pretax return on assets | 1.5863% | 1,278 |
| Return on Equity (ROE) | 10.0657% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.7746% | 3,534 |
| Net charge-offs to loans | 0.0856% | 3,271 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 40.2667% | 1,080 |
| Efficiency ratio | 62.1079% | 4,899 |
| Assets per employee ($millions) | 3.6175% | 4,689 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 1,067 |
| Loan loss allowance to noncurrent loans | 270.9677% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 4,233 |
| Noncurrent loans to loans | 0.7464% | 3,458 |
| Net loans and leases to total assets | 50.6213% | 4,906 |
| Net loans and leases to deposits | 57.3963% | 5,101 |
| Net loans and leases to core deposits | 62.7306% | 4,943 |
| Total domestic deposits to total assets | 88.1961% | 1,666 |
| Equity capital to assets | 11.4196% | 2,497 |
| Core capital (leverage) ratio | 11.0742% | 2,339 |
| Tier 1 risk-based capital ratio | 16.3001% | 2,813 |
| Total risk-based capital ratio | 17.5548% | 2,754 |
| Memoranda: | ||
| Average total assets | $68,586,200 | 5,331 |
| Average earning assets | $61,418,400 | 5,359 |
| Average equity | $7,947,800 | 5,216 |
| Average total loans | $35,028,400 | 5,362 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 1,240 |
| Cost of funding earning assets | 0.2854% | 5,042 |
| Net interest margin | 4.4430% | 825 |
| Noninterest income to average assets | 0.7076% | 2,290 |
| Noninterest expense to average assets | 2.8166% | 3,398 |
| Loan and lease loss provision to assets | 0.2365% | 930 |
| Net operating income to assets | 1.1944% | 1,696 |
| Return on assets (ROA) | 1.1944% | 1,769 |
| Pretax return on assets | 1.6438% | 1,200 |
| Return on Equity (ROE) | 10.2676% | 2,083 |
| Retained earnings to average equity (ytd only) | 1.7960% | 5,155 |
| Net charge-offs to loans | 0.1007% | 2,797 |
| Credit loss provision to net charge-offs | 461.5385% | 618 |
| Earnings coverage of net charge-offs (x) | 36.6879% | 1,200 |
| Efficiency ratio | 59.9664% | 5,187 |
| Assets per employee ($millions) | 3.5282% | 4,808 |
| Cash dividends to net income (ytd only)* | 82.5082% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1084% | 1,076 |
| Loan loss allowance to noncurrent loans | 243.5897% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,271 |
| Noncurrent loans to loans | 0.8655% | 3,402 |
| Net loans and leases to total assets | 50.0071% | 5,009 |
| Net loans and leases to deposits | 56.8192% | 5,188 |
| Net loans and leases to core deposits | 62.3500% | 5,012 |
| Total domestic deposits to total assets | 88.0109% | 1,764 |
| Equity capital to assets | 11.4917% | 2,497 |
| Core capital (leverage) ratio | 11.0221% | 2,463 |
| Tier 1 risk-based capital ratio | 16.8950% | 2,654 |
| Total risk-based capital ratio | 18.1497% | 2,608 |
| Memoranda: | ||
| Average total assets | $67,645,500 | 5,410 |
| Average earning assets | $60,738,250 | 5,434 |
| Average equity | $7,869,250 | 5,271 |
| Average total loans | $34,440,500 | 5,432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 1,137 |
| Cost of funding earning assets | 0.2782% | 5,213 |
| Net interest margin | 4.4882% | 723 |
| Noninterest income to average assets | 0.7499% | 2,045 |
| Noninterest expense to average assets | 2.9097% | 3,129 |
| Loan and lease loss provision to assets | 0.2700% | 771 |
| Net operating income to assets | 1.2059% | 1,570 |
| Return on assets (ROA) | 1.2059% | 1,635 |
| Pretax return on assets | 1.6349% | 1,171 |
| Return on Equity (ROE) | 10.3218% | 2,002 |
| Retained earnings to average equity (ytd only) | -2.5163% | 6,046 |
| Net charge-offs to loans | 0.1357% | 2,311 |
| Credit loss provision to net charge-offs | 391.3043% | 705 |
| Earnings coverage of net charge-offs (x) | 27.6087% | 1,334 |
| Efficiency ratio | 60.4361% | 5,231 |
| Assets per employee ($millions) | 3.4439% | 4,964 |
| Cash dividends to net income (ytd only)* | 124.3781% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 1,085 |
| Loan loss allowance to noncurrent loans | 318.6957% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 4,723 |
| Noncurrent loans to loans | 0.6750% | 4,028 |
| Net loans and leases to total assets | 48.4088% | 5,139 |
| Net loans and leases to deposits | 54.9598% | 5,291 |
| Net loans and leases to core deposits | 59.3672% | 5,172 |
| Total domestic deposits to total assets | 88.0804% | 1,861 |
| Equity capital to assets | 11.4579% | 2,461 |
| Core capital (leverage) ratio | 11.2771% | 2,175 |
| Tier 1 risk-based capital ratio | 16.9354% | 2,645 |
| Total risk-based capital ratio | 18.1910% | 2,606 |
| Memoranda: | ||
| Average total assets | $66,672,670 | 5,483 |
| Average earning assets | $60,380,670 | 5,493 |
| Average equity | $7,789,330 | 5,315 |
| Average total loans | $33,905,000 | 5,497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 1,154 |
| Cost of funding earning assets | 0.2692% | 5,394 |
| Net interest margin | 4.4754% | 688 |
| Noninterest income to average assets | 0.8357% | 1,614 |
| Noninterest expense to average assets | 2.8916% | 3,244 |
| Loan and lease loss provision to assets | 0.2745% | 753 |
| Net operating income to assets | 1.3238% | 1,153 |
| Return on assets (ROA) | 1.3238% | 1,202 |
| Pretax return on assets | 1.7264% | 922 |
| Return on Equity (ROE) | 11.2174% | 1,622 |
| Retained earnings to average equity (ytd only) | -14.6291% | 6,460 |
| Net charge-offs to loans | 0.0473% | 2,728 |
| Credit loss provision to net charge-offs | 1,125.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 530 |
| Efficiency ratio | 59.1022% | 5,525 |
| Assets per employee ($millions) | 3.3539% | 5,249 |
| Cash dividends to net income (ytd only)* | 230.4147% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0969% | 1,331 |
| Loan loss allowance to noncurrent loans | 149.4715% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 3,724 |
| Noncurrent loans to loans | 1.4029% | 2,681 |
| Net loans and leases to total assets | 49.2121% | 4,978 |
| Net loans and leases to deposits | 55.8044% | 5,131 |
| Net loans and leases to core deposits | 59.4272% | 5,092 |
| Total domestic deposits to total assets | 88.1867% | 2,121 |
| Equity capital to assets | 11.3899% | 2,341 |
| Core capital (leverage) ratio | 10.9668% | 2,417 |
| Tier 1 risk-based capital ratio | 16.7502% | 2,791 |
| Total risk-based capital ratio | 18.0050% | 2,752 |
| Memoranda: | ||
| Average total assets | $65,570,000 | 5,578 |
| Average earning assets | $59,435,500 | 5,572 |
| Average equity | $7,738,000 | 5,360 |
| Average total loans | $33,819,500 | 5,551 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 1,385 |
| Cost of funding earning assets | 0.2940% | 5,645 |
| Net interest margin | 4.4738% | 780 |
| Noninterest income to average assets | 0.7294% | 2,384 |
| Noninterest expense to average assets | 2.9069% | 3,353 |
| Loan and lease loss provision to assets | 0.1009% | 3,116 |
| Net operating income to assets | 1.3782% | 1,073 |
| Return on assets (ROA) | 1.3782% | 1,111 |
| Pretax return on assets | 1.8314% | 698 |
| Return on Equity (ROE) | 11.7008% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.7008% | 348 |
| Net charge-offs to loans | 0.3791% | 1,771 |
| Credit loss provision to net charge-offs | 52.8455% | 3,756 |
| Earnings coverage of net charge-offs (x) | 10.1220% | 2,415 |
| Efficiency ratio | 60.0706% | 5,462 |
| Assets per employee ($millions) | 3.2032% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9633% | 1,640 |
| Loan loss allowance to noncurrent loans | 102.1472% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 3,143 |
| Noncurrent loans to loans | 1.9221% | 2,089 |
| Net loans and leases to total assets | 51.9114% | 4,868 |
| Net loans and leases to deposits | 59.3857% | 4,991 |
| Net loans and leases to core deposits | 63.4705% | 4,924 |
| Total domestic deposits to total assets | 87.4140% | 2,519 |
| Equity capital to assets | 12.2317% | 1,662 |
| Core capital (leverage) ratio | 11.7186% | 1,813 |
| Tier 1 risk-based capital ratio | 17.5225% | 2,407 |
| Total risk-based capital ratio | 18.7752% | 2,381 |
| Memoranda: | ||
| Average total assets | $64,433,000 | 5,640 |
| Average earning assets | $59,188,800 | 5,618 |
| Average equity | $7,589,200 | 5,437 |
| Average total loans | $32,443,200 | 5,647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 1,438 |
| Cost of funding earning assets | 0.2962% | 5,765 |
| Net interest margin | 4.4672% | 776 |
| Noninterest income to average assets | 0.7542% | 2,347 |
| Noninterest expense to average assets | 2.8226% | 3,583 |
| Loan and lease loss provision to assets | 0.0413% | 4,180 |
| Net operating income to assets | 1.4305% | 1,029 |
| Return on assets (ROA) | 1.4320% | 1,082 |
| Pretax return on assets | 2.0064% | 571 |
| Return on Equity (ROE) | 12.2747% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.2747% | 395 |
| Net charge-offs to loans | 0.5071% | 1,270 |
| Credit loss provision to net charge-offs | 16.3934% | 4,126 |
| Earnings coverage of net charge-offs (x) | 8.1149% | 2,676 |
| Efficiency ratio | 57.9796% | 5,689 |
| Assets per employee ($millions) | 3.2300% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8281% | 2,212 |
| Loan loss allowance to noncurrent loans | 89.2241% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 3,278 |
| Noncurrent loans to loans | 2.0489% | 2,195 |
| Net loans and leases to total assets | 51.6246% | 4,922 |
| Net loans and leases to deposits | 58.9038% | 5,096 |
| Net loans and leases to core deposits | 63.2101% | 4,989 |
| Total domestic deposits to total assets | 87.6422% | 2,336 |
| Equity capital to assets | 11.8965% | 1,986 |
| Core capital (leverage) ratio | 11.3975% | 2,123 |
| Tier 1 risk-based capital ratio | 16.7650% | 2,831 |
| Total risk-based capital ratio | 18.0176% | 2,773 |
| Memoranda: | ||
| Average total assets | $64,525,500 | 5,696 |
| Average earning assets | $59,424,250 | 5,667 |
| Average equity | $7,527,500 | 5,515 |
| Average total loans | $32,073,500 | 5,716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 1,515 |
| Cost of funding earning assets | 0.2995% | 5,833 |
| Net interest margin | 4.4217% | 817 |
| Noninterest income to average assets | 0.7907% | 2,234 |
| Noninterest expense to average assets | 2.8527% | 3,499 |
| Loan and lease loss provision to assets | 0.0620% | 3,772 |
| Net operating income to assets | 1.4148% | 1,046 |
| Return on assets (ROA) | 1.4170% | 1,129 |
| Pretax return on assets | 1.9535% | 662 |
| Return on Equity (ROE) | 12.2274% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.2274% | 458 |
| Net charge-offs to loans | 0.1209% | 3,156 |
| Credit loss provision to net charge-offs | 105.2632% | 2,102 |
| Earnings coverage of net charge-offs (x) | 34.1579% | 1,039 |
| Efficiency ratio | 58.6361% | 5,650 |
| Assets per employee ($millions) | 3.1706% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 1,324 |
| Loan loss allowance to noncurrent loans | 122.4662% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 3,598 |
| Noncurrent loans to loans | 1.8422% | 2,576 |
| Net loans and leases to total assets | 49.5332% | 5,157 |
| Net loans and leases to deposits | 56.4279% | 5,291 |
| Net loans and leases to core deposits | 60.9205% | 5,178 |
| Total domestic deposits to total assets | 87.7815% | 2,397 |
| Equity capital to assets | 11.7675% | 2,076 |
| Core capital (leverage) ratio | 10.9975% | 2,355 |
| Tier 1 risk-based capital ratio | 16.7258% | 2,829 |
| Total risk-based capital ratio | 17.9814% | 2,796 |
| Memoranda: | ||
| Average total assets | $64,501,000 | 5,736 |
| Average earning assets | $59,434,670 | 5,711 |
| Average equity | $7,475,000 | 5,569 |
| Average total loans | $31,441,330 | 5,782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 1,314 |
| Cost of funding earning assets | 0.2993% | 5,969 |
| Net interest margin | 4.4894% | 690 |
| Noninterest income to average assets | 0.8917% | 1,786 |
| Noninterest expense to average assets | 3.0133% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5021% | 851 |
| Return on assets (ROA) | 1.5066% | 922 |
| Pretax return on assets | 2.0355% | 557 |
| Return on Equity (ROE) | 13.0990% | 1,145 |
| Retained earnings to average equity (ytd only) | 13.0990% | 546 |
| Net charge-offs to loans | -0.0386% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7561% | 5,622 |
| Assets per employee ($millions) | 3.5002% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2929% | 1,420 |
| Loan loss allowance to noncurrent loans | 149.2813% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 4,260 |
| Noncurrent loans to loans | 1.5360% | 3,248 |
| Net loans and leases to total assets | 46.5822% | 5,376 |
| Net loans and leases to deposits | 53.0417% | 5,519 |
| Net loans and leases to core deposits | 56.0169% | 5,517 |
| Total domestic deposits to total assets | 87.8218% | 2,437 |
| Equity capital to assets | 11.4023% | 2,516 |
| Core capital (leverage) ratio | 10.4869% | 2,795 |
| Tier 1 risk-based capital ratio | 16.1365% | 3,188 |
| Total risk-based capital ratio | 17.3913% | 3,143 |
| Memoranda: | ||
| Average total assets | $65,045,500 | 5,775 |
| Average earning assets | $60,141,500 | 5,746 |
| Average equity | $7,481,500 | 5,625 |
| Average total loans | $31,094,500 | 5,842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 1,599 |
| Cost of funding earning assets | 0.3963% | 5,945 |
| Net interest margin | 4.5900% | 798 |
| Noninterest income to average assets | 0.8981% | 1,861 |
| Noninterest expense to average assets | 2.8825% | 3,709 |
| Loan and lease loss provision to assets | 0.1472% | 3,763 |
| Net operating income to assets | 1.4740% | 971 |
| Return on assets (ROA) | 1.4887% | 1,033 |
| Pretax return on assets | 2.1529% | 449 |
| Return on Equity (ROE) | 11.9313% | 1,530 |
| Retained earnings to average equity (ytd only) | 0.7867% | 5,470 |
| Net charge-offs to loans | -0.1251% | 6,873 |
| Credit loss provision to net charge-offs | -243.2432% | 6,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8479% | 6,070 |
| Assets per employee ($millions) | 3.3467% | 5,337 |
| Cash dividends to net income (ytd only)* | 93.4066% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 1,273 |
| Loan loss allowance to noncurrent loans | 118.8834% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 3,859 |
| Noncurrent loans to loans | 1.9978% | 2,699 |
| Net loans and leases to total assets | 46.8004% | 5,536 |
| Net loans and leases to deposits | 53.5340% | 5,691 |
| Net loans and leases to core deposits | 56.4227% | 5,681 |
| Total domestic deposits to total assets | 87.4220% | 2,566 |
| Equity capital to assets | 11.6061% | 2,339 |
| Core capital (leverage) ratio | 10.8274% | 2,408 |
| Tier 1 risk-based capital ratio | 16.6959% | 2,794 |
| Total risk-based capital ratio | 17.9525% | 2,763 |
| Memoranda: | ||
| Average total assets | $61,127,200 | 5,894 |
| Average earning assets | $56,776,000 | 5,843 |
| Average equity | $7,627,000 | 5,604 |
| Average total loans | $29,586,800 | 5,969 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 1,688 |
| Cost of funding earning assets | 0.4160% | 6,018 |
| Net interest margin | 4.5877% | 841 |
| Noninterest income to average assets | 0.9496% | 1,670 |
| Noninterest expense to average assets | 2.8093% | 3,953 |
| Loan and lease loss provision to assets | 0.1983% | 3,100 |
| Net operating income to assets | 1.5443% | 951 |
| Return on assets (ROA) | 1.5644% | 1,021 |
| Pretax return on assets | 2.2474% | 442 |
| Return on Equity (ROE) | 12.3120% | 1,531 |
| Retained earnings to average equity (ytd only) | 12.3120% | 484 |
| Net charge-offs to loans | -0.2089% | 6,997 |
| Credit loss provision to net charge-offs | -195.6522% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7521% | 6,277 |
| Assets per employee ($millions) | 3.2375% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4355% | 1,295 |
| Loan loss allowance to noncurrent loans | 128.3217% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 3,808 |
| Noncurrent loans to loans | 1.8980% | 2,965 |
| Net loans and leases to total assets | 47.8004% | 5,572 |
| Net loans and leases to deposits | 55.8027% | 5,650 |
| Net loans and leases to core deposits | 58.9972% | 5,660 |
| Total domestic deposits to total assets | 85.6597% | 3,435 |
| Equity capital to assets | 13.2121% | 1,490 |
| Core capital (leverage) ratio | 12.1491% | 1,563 |
| Tier 1 risk-based capital ratio | 19.9563% | 1,771 |
| Total risk-based capital ratio | 21.2157% | 1,744 |
| Memoranda: | ||
| Average total assets | $60,512,250 | 5,978 |
| Average earning assets | $56,410,250 | 5,920 |
| Average equity | $7,688,750 | 5,650 |
| Average total loans | $29,362,750 | 6,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 1,810 |
| Cost of funding earning assets | 0.4337% | 6,076 |
| Net interest margin | 4.5573% | 894 |
| Noninterest income to average assets | 1.0136% | 1,429 |
| Noninterest expense to average assets | 2.7651% | 4,154 |
| Loan and lease loss provision to assets | 0.2326% | 2,746 |
| Net operating income to assets | 1.5849% | 858 |
| Return on assets (ROA) | 1.6152% | 904 |
| Pretax return on assets | 2.3197% | 395 |
| Return on Equity (ROE) | 12.8867% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.8867% | 448 |
| Net charge-offs to loans | -0.0618% | 6,723 |
| Credit loss provision to net charge-offs | -777.7778% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4260% | 6,468 |
| Assets per employee ($millions) | 3.3462% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 1,475 |
| Loan loss allowance to noncurrent loans | 125.1386% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 3,953 |
| Noncurrent loans to loans | 1.8886% | 3,090 |
| Net loans and leases to total assets | 46.4346% | 5,784 |
| Net loans and leases to deposits | 53.9465% | 5,871 |
| Net loans and leases to core deposits | 57.0869% | 5,854 |
| Total domestic deposits to total assets | 86.0753% | 3,321 |
| Equity capital to assets | 12.9684% | 1,539 |
| Core capital (leverage) ratio | 11.9451% | 1,629 |
| Tier 1 risk-based capital ratio | 18.4969% | 2,134 |
| Total risk-based capital ratio | 19.7521% | 2,090 |
| Memoranda: | ||
| Average total assets | $60,179,000 | 6,019 |
| Average earning assets | $56,261,670 | 5,960 |
| Average equity | $7,542,670 | 5,698 |
| Average total loans | $29,104,670 | 6,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 2,271 |
| Cost of funding earning assets | 0.4565% | 6,111 |
| Net interest margin | 4.4365% | 1,148 |
| Noninterest income to average assets | 1.2169% | 969 |
| Noninterest expense to average assets | 2.7397% | 4,284 |
| Loan and lease loss provision to assets | 0.2660% | 2,330 |
| Net operating income to assets | 1.6800% | 748 |
| Return on assets (ROA) | 1.7422% | 747 |
| Pretax return on assets | 2.4338% | 367 |
| Return on Equity (ROE) | 14.1459% | 1,160 |
| Retained earnings to average equity (ytd only) | 14.1459% | 553 |
| Net charge-offs to loans | -0.0409% | 6,458 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1801% | 6,603 |
| Assets per employee ($millions) | 3.0442% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 1,944 |
| Loan loss allowance to noncurrent loans | 109.7770% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 3,990 |
| Noncurrent loans to loans | 1.9776% | 3,190 |
| Net loans and leases to total assets | 47.3688% | 5,633 |
| Net loans and leases to deposits | 54.6512% | 5,739 |
| Net loans and leases to core deposits | 57.7713% | 5,730 |
| Total domestic deposits to total assets | 86.6747% | 3,130 |
| Equity capital to assets | 12.4039% | 1,786 |
| Core capital (leverage) ratio | 11.5168% | 1,881 |
| Tier 1 risk-based capital ratio | 17.7751% | 2,373 |
| Total risk-based capital ratio | 19.0305% | 2,348 |
| Memoranda: | ||
| Average total assets | $60,153,000 | 6,059 |
| Average earning assets | $56,080,000 | 6,005 |
| Average equity | $7,408,500 | 5,763 |
| Average total loans | $29,334,500 | 6,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 2,728 |
| Cost of funding earning assets | 0.6684% | 5,721 |
| Net interest margin | 4.3686% | 1,481 |
| Noninterest income to average assets | 0.7739% | 2,212 |
| Noninterest expense to average assets | 2.9344% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2543% | 1,368 |
| Return on assets (ROA) | 1.2668% | 1,433 |
| Pretax return on assets | 1.7700% | 858 |
| Return on Equity (ROE) | 10.4522% | 1,887 |
| Retained earnings to average equity (ytd only) | 4.7250% | 2,836 |
| Net charge-offs to loans | 0.1859% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 19.8039% | 1,156 |
| Efficiency ratio | 62.6064% | 5,367 |
| Assets per employee ($millions) | 3.1275% | 5,849 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0453% | 2,140 |
| Loan loss allowance to noncurrent loans | 102.2260% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 3,998 |
| Noncurrent loans to loans | 2.0008% | 3,204 |
| Net loans and leases to total assets | 48.1169% | 5,813 |
| Net loans and leases to deposits | 55.2780% | 5,954 |
| Net loans and leases to core deposits | 58.5003% | 5,974 |
| Total domestic deposits to total assets | 87.0452% | 2,736 |
| Equity capital to assets | 12.2261% | 1,953 |
| Core capital (leverage) ratio | 11.2040% | 2,114 |
| Tier 1 risk-based capital ratio | 16.8510% | 2,666 |
| Total risk-based capital ratio | 18.1053% | 2,631 |
| Memoranda: | ||
| Average total assets | $57,626,800 | 6,123 |
| Average earning assets | $51,618,600 | 6,134 |
| Average equity | $6,984,200 | 5,869 |
| Average total loans | $27,430,400 | 6,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 2,590 |
| Cost of funding earning assets | 0.7068% | 5,715 |
| Net interest margin | 4.3964% | 1,416 |
| Noninterest income to average assets | 0.7835% | 2,128 |
| Noninterest expense to average assets | 2.8332% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3175% | 1,331 |
| Return on assets (ROA) | 1.3175% | 1,419 |
| Pretax return on assets | 1.8375% | 891 |
| Return on Equity (ROE) | 10.8954% | 1,900 |
| Retained earnings to average equity (ytd only) | 3.1818% | 4,435 |
| Net charge-offs to loans | 0.2519% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 15.4506% | 1,463 |
| Efficiency ratio | 60.6590% | 5,616 |
| Assets per employee ($millions) | 3.1317% | 5,835 |
| Cash dividends to net income (ytd only)* | 70.7969% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 1,900 |
| Loan loss allowance to noncurrent loans | 240.7258% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 5,230 |
| Noncurrent loans to loans | 0.9063% | 5,052 |
| Net loans and leases to total assets | 44.9843% | 6,242 |
| Net loans and leases to deposits | 51.6718% | 6,394 |
| Net loans and leases to core deposits | 54.6745% | 6,411 |
| Total domestic deposits to total assets | 87.0578% | 2,617 |
| Equity capital to assets | 11.9944% | 2,255 |
| Core capital (leverage) ratio | 11.0030% | 2,386 |
| Tier 1 risk-based capital ratio | 17.6442% | 2,378 |
| Total risk-based capital ratio | 18.8989% | 2,347 |
| Memoranda: | ||
| Average total assets | $57,178,000 | 6,183 |
| Average earning assets | $50,555,500 | 6,219 |
| Average equity | $6,914,000 | 5,926 |
| Average total loans | $26,990,750 | 6,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 2,457 |
| Cost of funding earning assets | 0.7399% | 5,740 |
| Net interest margin | 4.4109% | 1,340 |
| Noninterest income to average assets | 0.7269% | 2,393 |
| Noninterest expense to average assets | 2.7694% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3226% | 1,262 |
| Return on assets (ROA) | 1.3226% | 1,339 |
| Pretax return on assets | 1.8261% | 833 |
| Return on Equity (ROE) | 10.9070% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.9070% | 683 |
| Net charge-offs to loans | 0.1861% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,184 |
| Efficiency ratio | 60.2623% | 5,832 |
| Assets per employee ($millions) | 3.1050% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3852% | 1,615 |
| Loan loss allowance to noncurrent loans | 391.8239% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 5,656 |
| Noncurrent loans to loans | 0.6088% | 5,704 |
| Net loans and leases to total assets | 43.2172% | 6,502 |
| Net loans and leases to deposits | 49.8485% | 6,610 |
| Net loans and leases to core deposits | 52.7813% | 6,623 |
| Total domestic deposits to total assets | 86.6972% | 2,928 |
| Equity capital to assets | 12.2298% | 1,949 |
| Core capital (leverage) ratio | 11.8024% | 1,720 |
| Tier 1 risk-based capital ratio | 19.0194% | 1,842 |
| Total risk-based capital ratio | 20.2762% | 1,800 |
| Memoranda: | ||
| Average total assets | $56,403,000 | 6,250 |
| Average earning assets | $49,468,330 | 6,319 |
| Average equity | $6,839,670 | 5,967 |
| Average total loans | $26,866,330 | 6,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 2,196 |
| Cost of funding earning assets | 0.7759% | 5,705 |
| Net interest margin | 4.4324% | 1,211 |
| Noninterest income to average assets | 0.8493% | 1,856 |
| Noninterest expense to average assets | 2.7800% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4590% | 967 |
| Return on assets (ROA) | 1.4590% | 1,003 |
| Pretax return on assets | 1.9671% | 592 |
| Return on Equity (ROE) | 12.0866% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.0866% | 725 |
| Net charge-offs to loans | -0.1322% | 7,164 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5627% | 6,201 |
| Assets per employee ($millions) | 2.9212% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4519% | 1,526 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6990% | 3,704 |
| Noncurrent loans to loans | 2.7244% | 2,772 |
| Net loans and leases to total assets | 47.0929% | 6,179 |
| Net loans and leases to deposits | 54.2789% | 6,264 |
| Net loans and leases to core deposits | 57.6794% | 6,286 |
| Total domestic deposits to total assets | 86.7611% | 3,083 |
| Equity capital to assets | 12.2426% | 1,765 |
| Core capital (leverage) ratio | 11.9411% | 1,595 |
| Tier 1 risk-based capital ratio | 19.2321% | 1,746 |
| Total risk-based capital ratio | 20.4894% | 1,713 |
| Memoranda: | ||
| Average total assets | $55,107,000 | 6,342 |
| Average earning assets | $48,461,000 | 6,396 |
| Average equity | $6,652,000 | 6,044 |
| Average total loans | $27,240,000 | 6,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6995% | 1,570 |
| Cost of funding earning assets | 0.9144% | 6,112 |
| Net interest margin | 4.7851% | 681 |
| Noninterest income to average assets | 0.9902% | 1,537 |
| Noninterest expense to average assets | 3.4044% | 2,426 |
| Loan and lease loss provision to assets | 0.0603% | 6,543 |
| Net operating income to assets | 1.2975% | 1,183 |
| Return on assets (ROA) | 1.2975% | 1,239 |
| Pretax return on assets | 1.8137% | 736 |
| Return on Equity (ROE) | 9.7666% | 2,013 |
| Retained earnings to average equity (ytd only) | 2.2073% | 4,342 |
| Net charge-offs to loans | 0.2131% | 5,008 |
| Credit loss provision to net charge-offs | 52.6316% | 6,223 |
| Earnings coverage of net charge-offs (x) | 16.3684% | 1,211 |
| Efficiency ratio | 64.4977% | 5,264 |
| Assets per employee ($millions) | 2.8795% | 6,381 |
| Cash dividends to net income (ytd only)* | 77.3994% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 1,630 |
| Loan loss allowance to noncurrent loans | 236.4964% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 5,210 |
| Noncurrent loans to loans | 0.9897% | 5,083 |
| Net loans and leases to total assets | 49.4179% | 6,222 |
| Net loans and leases to deposits | 56.6042% | 6,391 |
| Net loans and leases to core deposits | 60.1772% | 6,379 |
| Total domestic deposits to total assets | 87.3042% | 2,666 |
| Equity capital to assets | 11.8971% | 1,972 |
| Core capital (leverage) ratio | 12.0394% | 1,519 |
| Tier 1 risk-based capital ratio | 18.2102% | 1,934 |
| Total risk-based capital ratio | 19.4669% | 1,897 |
| Memoranda: | ||
| Average total assets | $49,787,800 | 6,544 |
| Average earning assets | $44,618,000 | 6,559 |
| Average equity | $6,614,400 | 6,163 |
| Average total loans | $26,749,400 | 6,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 1,458 |
| Cost of funding earning assets | 0.9351% | 6,250 |
| Net interest margin | 4.8440% | 611 |
| Noninterest income to average assets | 1.0379% | 1,345 |
| Noninterest expense to average assets | 3.3554% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4031% | 1,097 |
| Return on assets (ROA) | 1.4031% | 1,169 |
| Pretax return on assets | 2.0209% | 594 |
| Return on Equity (ROE) | 10.2597% | 2,024 |
| Retained earnings to average equity (ytd only) | 0.2209% | 5,691 |
| Net charge-offs to loans | 0.4023% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 9.2004% | 2,052 |
| Efficiency ratio | 62.4106% | 5,540 |
| Assets per employee ($millions) | 2.7229% | 6,739 |
| Cash dividends to net income (ytd only)* | 97.8468% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 1,796 |
| Loan loss allowance to noncurrent loans | 99.6650% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1656% | 4,790 |
| Noncurrent loans to loans | 2.2121% | 3,431 |
| Net loans and leases to total assets | 51.0158% | 6,218 |
| Net loans and leases to deposits | 59.5134% | 6,352 |
| Net loans and leases to core deposits | 63.5731% | 6,329 |
| Total domestic deposits to total assets | 85.7215% | 3,236 |
| Equity capital to assets | 12.9139% | 1,624 |
| Core capital (leverage) ratio | 12.2733% | 1,523 |
| Tier 1 risk-based capital ratio | 18.9834% | 1,754 |
| Total risk-based capital ratio | 20.2397% | 1,713 |
| Memoranda: | ||
| Average total assets | $48,557,000 | 6,667 |
| Average earning assets | $43,489,500 | 6,680 |
| Average equity | $6,640,750 | 6,224 |
| Average total loans | $26,515,500 | 6,677 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8739% | 1,248 |
| Cost of funding earning assets | 0.9453% | 6,399 |
| Net interest margin | 4.9286% | 502 |
| Noninterest income to average assets | 1.1537% | 969 |
| Noninterest expense to average assets | 3.4360% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4864% | 936 |
| Return on assets (ROA) | 1.4864% | 998 |
| Pretax return on assets | 2.1306% | 464 |
| Return on Equity (ROE) | 10.6529% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.6529% | 719 |
| Net charge-offs to loans | 0.6298% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.0964% | 2,527 |
| Efficiency ratio | 61.7247% | 5,734 |
| Assets per employee ($millions) | 2.5899% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 1,635 |
| Loan loss allowance to noncurrent loans | 122.8216% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 5,178 |
| Noncurrent loans to loans | 1.8492% | 3,936 |
| Net loans and leases to total assets | 51.7680% | 6,238 |
| Net loans and leases to deposits | 60.6408% | 6,351 |
| Net loans and leases to core deposits | 64.6056% | 6,353 |
| Total domestic deposits to total assets | 85.3682% | 3,434 |
| Equity capital to assets | 13.9632% | 1,169 |
| Core capital (leverage) ratio | 13.5663% | 1,039 |
| Tier 1 risk-based capital ratio | 21.0520% | 1,328 |
| Total risk-based capital ratio | 22.3084% | 1,304 |
| Memoranda: | ||
| Average total assets | $47,497,670 | 6,746 |
| Average earning assets | $42,527,330 | 6,757 |
| Average equity | $6,627,330 | 6,261 |
| Average total loans | $26,358,000 | 6,725 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 1,353 |
| Cost of funding earning assets | 0.9812% | 6,457 |
| Net interest margin | 4.8582% | 572 |
| Noninterest income to average assets | 1.3121% | 700 |
| Noninterest expense to average assets | 3.3103% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6894% | 630 |
| Return on assets (ROA) | 1.6894% | 681 |
| Pretax return on assets | 2.3755% | 309 |
| Return on Equity (ROE) | 12.1128% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.1128% | 728 |
| Net charge-offs to loans | -0.0302% | 7,196 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2202% | 6,456 |
| Assets per employee ($millions) | 2.3977% | 7,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5997% | 1,179 |
| Loan loss allowance to noncurrent loans | 60.0710% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.3502% | 3,093 |
| Noncurrent loans to loans | 4.3278% | 1,750 |
| Net loans and leases to total assets | 52.8935% | 6,161 |
| Net loans and leases to deposits | 61.9087% | 6,282 |
| Net loans and leases to core deposits | 66.0624% | 6,278 |
| Total domestic deposits to total assets | 85.4378% | 3,445 |
| Equity capital to assets | 13.8114% | 1,204 |
| Core capital (leverage) ratio | 13.7972% | 1,009 |
| Tier 1 risk-based capital ratio | 20.7141% | 1,388 |
| Total risk-based capital ratio | 21.9742% | 1,363 |
| Memoranda: | ||
| Average total assets | $46,642,500 | 6,854 |
| Average earning assets | $41,990,500 | 6,858 |
| Average equity | $6,505,500 | 6,346 |
| Average total loans | $26,504,000 | 6,809 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2378% | 1,144 |
| Cost of funding earning assets | 1.1592% | 6,796 |
| Net interest margin | 5.0786% | 383 |
| Noninterest income to average assets | 1.2288% | 1,002 |
| Noninterest expense to average assets | 3.6993% | 1,917 |
| Loan and lease loss provision to assets | 0.2551% | 5,355 |
| Net operating income to assets | 1.2870% | 1,055 |
| Return on assets (ROA) | 1.2884% | 1,107 |
| Pretax return on assets | 1.9432% | 458 |
| Return on Equity (ROE) | 10.0010% | 1,690 |
| Retained earnings to average equity (ytd only) | 10.0010% | 371 |
| Net charge-offs to loans | 0.3554% | 4,451 |
| Credit loss provision to net charge-offs | 122.4490% | 4,318 |
| Earnings coverage of net charge-offs (x) | 10.5408% | 1,674 |
| Efficiency ratio | 62.7479% | 6,011 |
| Assets per employee ($millions) | 2.2666% | 7,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5031% | 1,222 |
| Loan loss allowance to noncurrent loans | 70.1663% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.1221% | 3,241 |
| Noncurrent loans to loans | 3.5673% | 2,125 |
| Net loans and leases to total assets | 57.9988% | 5,665 |
| Net loans and leases to deposits | 67.9292% | 5,840 |
| Net loans and leases to core deposits | 83.8527% | 5,728 |
| Total domestic deposits to total assets | 85.3812% | 3,370 |
| Equity capital to assets | 14.0916% | 1,142 |
| Core capital (leverage) ratio | 13.8233% | 1,016 |
| Tier 1 risk-based capital ratio | 20.0847% | 1,448 |
| Total risk-based capital ratio | 21.3452% | 1,410 |
| Memoranda: | ||
| Average total assets | $47,036,400 | 6,827 |
| Average earning assets | $43,220,600 | 6,804 |
| Average equity | $6,059,400 | 6,584 |
| Average total loans | $27,571,000 | 6,768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2886% | 1,159 |
| Cost of funding earning assets | 1.1896% | 6,920 |
| Net interest margin | 5.0990% | 365 |
| Noninterest income to average assets | 1.2725% | 950 |
| Noninterest expense to average assets | 3.5283% | 2,206 |
| Loan and lease loss provision to assets | 0.2528% | 4,928 |
| Net operating income to assets | 1.4505% | 913 |
| Return on assets (ROA) | 1.4523% | 973 |
| Pretax return on assets | 2.2024% | 348 |
| Return on Equity (ROE) | 11.5324% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.5324% | 408 |
| Net charge-offs to loans | 0.1106% | 5,571 |
| Credit loss provision to net charge-offs | 391.3043% | 1,028 |
| Earnings coverage of net charge-offs (x) | 37.9514% | 780 |
| Efficiency ratio | 58.9948% | 6,569 |
| Assets per employee ($millions) | 2.2592% | 7,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7217% | 861 |
| Loan loss allowance to noncurrent loans | 80.6271% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 3,378 |
| Noncurrent loans to loans | 3.3757% | 2,235 |
| Net loans and leases to total assets | 56.9550% | 6,037 |
| Net loans and leases to deposits | 66.7687% | 6,232 |
| Net loans and leases to core deposits | 81.9215% | 6,197 |
| Total domestic deposits to total assets | 85.3020% | 3,075 |
| Equity capital to assets | 14.0252% | 1,298 |
| Core capital (leverage) ratio | 13.2231% | 1,315 |
| Tier 1 risk-based capital ratio | 20.3366% | 1,493 |
| Total risk-based capital ratio | 21.6014% | 1,442 |
| Memoranda: | ||
| Average total assets | $47,462,500 | 6,856 |
| Average earning assets | $43,824,250 | 6,825 |
| Average equity | $5,977,250 | 6,670 |
| Average total loans | $27,722,000 | 6,811 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2676% | 1,291 |
| Cost of funding earning assets | 1.2150% | 7,062 |
| Net interest margin | 5.0526% | 381 |
| Noninterest income to average assets | 1.2484% | 983 |
| Noninterest expense to average assets | 3.4797% | 2,399 |
| Loan and lease loss provision to assets | 0.2488% | 4,584 |
| Net operating income to assets | 1.4406% | 943 |
| Return on assets (ROA) | 1.4433% | 1,004 |
| Pretax return on assets | 2.1982% | 359 |
| Return on Equity (ROE) | 11.8825% | 1,453 |
| Retained earnings to average equity (ytd only) | 11.8825% | 464 |
| Net charge-offs to loans | 0.1492% | 4,698 |
| Credit loss provision to net charge-offs | 285.7143% | 1,635 |
| Earnings coverage of net charge-offs (x) | 28.0476% | 1,045 |
| Efficiency ratio | 58.7535% | 6,731 |
| Assets per employee ($millions) | 2.2380% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5209% | 879 |
| Loan loss allowance to noncurrent loans | 86.6083% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7001% | 3,626 |
| Noncurrent loans to loans | 2.9106% | 2,474 |
| Net loans and leases to total assets | 56.9377% | 6,094 |
| Net loans and leases to deposits | 65.7114% | 6,418 |
| Net loans and leases to core deposits | 80.1168% | 6,399 |
| Total domestic deposits to total assets | 86.6481% | 2,434 |
| Equity capital to assets | 12.7561% | 1,810 |
| Core capital (leverage) ratio | 12.4454% | 1,641 |
| Tier 1 risk-based capital ratio | 18.7616% | 1,826 |
| Total risk-based capital ratio | 20.0246% | 1,778 |
| Memoranda: | ||
| Average total assets | $48,222,330 | 6,895 |
| Average earning assets | $44,610,330 | 6,854 |
| Average equity | $5,857,330 | 6,778 |
| Average total loans | $28,144,670 | 6,836 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1829% | 1,651 |
| Cost of funding earning assets | 1.2685% | 7,124 |
| Net interest margin | 4.9144% | 485 |
| Noninterest income to average assets | 1.1549% | 1,108 |
| Noninterest expense to average assets | 3.0798% | 3,452 |
| Loan and lease loss provision to assets | 0.2457% | 4,012 |
| Net operating income to assets | 1.5590% | 842 |
| Return on assets (ROA) | 1.5645% | 912 |
| Pretax return on assets | 2.3753% | 318 |
| Return on Equity (ROE) | 13.1986% | 1,336 |
| Retained earnings to average equity (ytd only) | 13.1986% | 609 |
| Net charge-offs to loans | 0.0421% | 4,892 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 106.3333% | 411 |
| Efficiency ratio | 54.1007% | 7,207 |
| Assets per employee ($millions) | 2.4412% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 828 |
| Loan loss allowance to noncurrent loans | 87.8553% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 3,546 |
| Noncurrent loans to loans | 2.7534% | 2,377 |
| Net loans and leases to total assets | 56.1834% | 6,216 |
| Net loans and leases to deposits | 64.4389% | 6,510 |
| Net loans and leases to core deposits | 79.4319% | 6,430 |
| Total domestic deposits to total assets | 87.1887% | 2,127 |
| Equity capital to assets | 12.1027% | 2,198 |
| Core capital (leverage) ratio | 11.9672% | 1,916 |
| Tier 1 risk-based capital ratio | 17.6571% | 2,139 |
| Total risk-based capital ratio | 18.9174% | 2,085 |
| Memoranda: | ||
| Average total assets | $48,835,000 | 6,911 |
| Average earning assets | $45,092,000 | 6,878 |
| Average equity | $5,788,500 | 6,842 |
| Average total loans | $28,491,500 | 6,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7439% | 1,887 |
| Cost of funding earning assets | 1.9265% | 6,654 |
| Net interest margin | 4.8174% | 754 |
| Noninterest income to average assets | 1.3043% | 861 |
| Noninterest expense to average assets | 3.3605% | 2,794 |
| Loan and lease loss provision to assets | 0.0399% | 6,915 |
| Net operating income to assets | 1.8367% | 510 |
| Return on assets (ROA) | 0.5564% | 4,353 |
| Pretax return on assets | 0.7160% | 4,347 |
| Return on Equity (ROE) | 4.9862% | 4,399 |
| Retained earnings to average equity (ytd only) | -3.9497% | 6,315 |
| Net charge-offs to loans | 0.1047% | 5,257 |
| Credit loss provision to net charge-offs | 68.9655% | 6,086 |
| Earnings coverage of net charge-offs (x) | 41.4483% | 888 |
| Efficiency ratio | 58.3651% | 6,631 |
| Assets per employee ($millions) | 2.4423% | 7,321 |
| Cash dividends to net income (ytd only)* | 179.2115% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2617% | 892 |
| Loan loss allowance to noncurrent loans | 81.2189% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.6460% | 2,954 |
| Noncurrent loans to loans | 2.7847% | 1,955 |
| Net loans and leases to total assets | 57.7714% | 6,235 |
| Net loans and leases to deposits | 65.8984% | 6,653 |
| Net loans and leases to core deposits | 80.9844% | 6,538 |
| Total domestic deposits to total assets | 87.6674% | 1,628 |
| Equity capital to assets | 11.6038% | 2,567 |
| Core capital (leverage) ratio | 11.3251% | 2,353 |
| Tier 1 risk-based capital ratio | 16.8191% | 2,380 |
| Total risk-based capital ratio | 18.0785% | 2,307 |
| Memoranda: | ||
| Average total assets | $50,141,200 | 6,768 |
| Average earning assets | $46,353,000 | 6,752 |
| Average equity | $5,595,400 | 6,951 |
| Average total loans | $27,685,800 | 6,865 |