Home > The City National Bank of San Saba > Performance and Condition Ratios
The City National Bank of San Saba, 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 | 2.5816% | 4,557 |
| Cost of funding earning assets | 0.8816% | 3,560 |
| Net interest margin | 1.7000% | 4,471 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.8383% | 3,939 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.2388% | 4,115 |
| Return on assets (ROA) | 0.2388% | 4,123 |
| Pretax return on assets | 0.2388% | 4,154 |
| Return on Equity (ROE) | 2.9900% | 4,025 |
| Retained earnings to average equity (ytd only) | 2.4279% | 3,470 |
| Net charge-offs to loans | 0.0800% | 1,061 |
| Credit loss provision to net charge-offs | 157.1429% | 1,430 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 1,598 |
| Efficiency ratio | 87.9784% | 485 |
| Assets per employee ($millions) | 9.1525% | 938 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2496% | 98 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 9.6000% | 4,452 |
| Net loans and leases to deposits | 10.4863% | 4,456 |
| Net loans and leases to core deposits | 10.7676% | 4,476 |
| Total domestic deposits to total assets | 91.5100% | 388 |
| Equity capital to assets | 8.4676% | 3,079 |
| Core capital (leverage) ratio | 10.6227% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $88,779,800 | 3,927 |
| Average earning assets | $85,295,800 | 3,881 |
| Average equity | $7,084,400 | 4,041 |
| Average total loans | $8,744,800 | 4,425 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4659% | 4,581 |
| Cost of funding earning assets | 0.7442% | 3,663 |
| Net interest margin | 1.7217% | 4,495 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.8798% | 3,836 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.2331% | 4,198 |
| Return on assets (ROA) | 0.2331% | 4,211 |
| Pretax return on assets | 0.2331% | 4,216 |
| Return on Equity (ROE) | 2.9700% | 4,103 |
| Retained earnings to average equity (ytd only) | 2.9680% | 3,522 |
| Net charge-offs to loans | 0.1078% | 736 |
| Credit loss provision to net charge-offs | 128.5714% | 1,431 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,739 |
| Efficiency ratio | 88.3986% | 430 |
| Assets per employee ($millions) | 8.5445% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5166% | 78 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 9.4100% | 4,475 |
| Net loans and leases to deposits | 10.2543% | 4,482 |
| Net loans and leases to core deposits | 10.5114% | 4,466 |
| Total domestic deposits to total assets | 91.7500% | 505 |
| Equity capital to assets | 8.1526% | 2,957 |
| Core capital (leverage) ratio | 11.3122% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $88,093,500 | 3,945 |
| Average earning assets | $84,564,000 | 3,899 |
| Average equity | $6,918,000 | 4,055 |
| Average total loans | $8,661,500 | 4,449 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4444% | 4,613 |
| Cost of funding earning assets | 0.6586% | 3,604 |
| Net interest margin | 1.7858% | 4,541 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.8836% | 3,856 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2922% | 4,165 |
| Return on assets (ROA) | 0.2922% | 4,192 |
| Pretax return on assets | 0.2922% | 4,238 |
| Return on Equity (ROE) | 3.7700% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.7670% | 3,263 |
| Net charge-offs to loans | 0.1368% | 552 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,692 |
| Efficiency ratio | 86.0370% | 495 |
| Assets per employee ($millions) | 8.6759% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4569% | 95 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 9.3700% | 4,505 |
| Net loans and leases to deposits | 10.2024% | 4,512 |
| Net loans and leases to core deposits | 10.3190% | 4,499 |
| Total domestic deposits to total assets | 91.8200% | 450 |
| Equity capital to assets | 8.1237% | 3,138 |
| Core capital (leverage) ratio | 10.9741% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $88,976,333 | 3,949 |
| Average earning assets | $85,339,000 | 3,908 |
| Average equity | $6,902,000 | 4,086 |
| Average total loans | $8,771,333 | 4,481 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4437% | 4,639 |
| Cost of funding earning assets | 0.6248% | 3,306 |
| Net interest margin | 1.8189% | 4,602 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.8560% | 3,938 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3597% | 4,154 |
| Return on assets (ROA) | 0.3597% | 4,106 |
| Pretax return on assets | 0.3597% | 4,191 |
| Return on Equity (ROE) | 4.7400% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.7445% | 3,075 |
| Net charge-offs to loans | 0.1341% | 498 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,333 |
| Efficiency ratio | 83.2669% | 631 |
| Assets per employee ($millions) | 9.0654% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2412% | 116 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 9.6200% | 4,574 |
| Net loans and leases to deposits | 10.4269% | 4,581 |
| Net loans and leases to core deposits | 10.4269% | 4,567 |
| Total domestic deposits to total assets | 92.2200% | 466 |
| Equity capital to assets | 7.7426% | 3,416 |
| Core capital (leverage) ratio | 10.4609% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $90,085,000 | 3,995 |
| Average earning assets | $86,426,000 | 3,946 |
| Average equity | $6,829,000 | 4,143 |
| Average total loans | $8,948,000 | 4,546 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2967% | 4,567 |
| Cost of funding earning assets | 0.1901% | 3,835 |
| Net interest margin | 2.1066% | 4,521 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.8362% | 3,959 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4299% | 4,207 |
| Return on assets (ROA) | 0.4299% | 4,170 |
| Pretax return on assets | 0.4299% | 4,248 |
| Return on Equity (ROE) | 5.1300% | 3,996 |
| Retained earnings to average equity (ytd only) | 2.9657% | 3,730 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.6763% | 667 |
| Assets per employee ($millions) | 8.9516% | 938 |
| Cash dividends to net income (ytd only)* | 42.1995% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2744% | 98 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 9.6000% | 4,608 |
| Net loans and leases to deposits | 10.3722% | 4,612 |
| Net loans and leases to core deposits | 10.3722% | 4,598 |
| Total domestic deposits to total assets | 92.5800% | 498 |
| Equity capital to assets | 7.4166% | 3,424 |
| Core capital (leverage) ratio | 10.3508% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $90,947,800 | 4,003 |
| Average earning assets | $87,343,200 | 3,956 |
| Average equity | $7,620,400 | 4,136 |
| Average total loans | $8,762,400 | 4,580 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0410% | 4,602 |
| Cost of funding earning assets | 0.0973% | 4,309 |
| Net interest margin | 1.9437% | 4,570 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.8545% | 3,858 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4220% | 4,205 |
| Return on assets (ROA) | 0.4220% | 4,150 |
| Pretax return on assets | 0.4220% | 4,245 |
| Return on Equity (ROE) | 4.9000% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.9495% | 3,459 |
| Net charge-offs to loans | -0.2443% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.9949% | 715 |
| Assets per employee ($millions) | 8.8509% | 951 |
| Cash dividends to net income (ytd only)* | 19.3772% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4413% | 92 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 9.7300% | 4,649 |
| Net loans and leases to deposits | 10.5173% | 4,654 |
| Net loans and leases to core deposits | 10.5173% | 4,640 |
| Total domestic deposits to total assets | 92.5400% | 705 |
| Equity capital to assets | 7.3665% | 3,289 |
| Core capital (leverage) ratio | 10.3488% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $91,305,750 | 4,026 |
| Average earning assets | $87,732,000 | 3,978 |
| Average equity | $7,865,750 | 4,152 |
| Average total loans | $8,731,250 | 4,617 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9652% | 4,632 |
| Cost of funding earning assets | 0.0316% | 4,688 |
| Net interest margin | 1.9336% | 4,585 |
| Noninterest income to average assets | 0.3925% | 2,805 |
| Noninterest expense to average assets | 1.8322% | 3,884 |
| Loan and lease loss provision to assets | 0.0130% | 2,360 |
| Net operating income to assets | 0.4055% | 4,097 |
| Return on assets (ROA) | 0.4055% | 4,047 |
| Pretax return on assets | 0.4055% | 4,149 |
| Return on Equity (ROE) | 4.4983% | 3,912 |
| Retained earnings to average equity (ytd only) | 3.1512% | 3,397 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4066% | 843 |
| Assets per employee ($millions) | 9.2918% | 808 |
| Cash dividends to net income (ytd only)* | 29.9465% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0450% | 143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 9.9034% | 4,710 |
| Net loans and leases to deposits | 10.7278% | 4,715 |
| Net loans and leases to core deposits | 10.7278% | 4,709 |
| Total domestic deposits to total assets | 92.3147% | 720 |
| Equity capital to assets | 7.6293% | 3,388 |
| Core capital (leverage) ratio | 10.1341% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,238,000 | 4,062 |
| Average earning assets | $88,643,333 | 4,024 |
| Average equity | $8,314,333 | 4,167 |
| Average total loans | $8,668,000 | 4,683 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8922% | 4,644 |
| Cost of funding earning assets | 0.0272% | 4,718 |
| Net interest margin | 1.8651% | 4,595 |
| Noninterest income to average assets | 0.3700% | 2,868 |
| Noninterest expense to average assets | 1.8412% | 3,837 |
| Loan and lease loss provision to assets | 0.0131% | 2,109 |
| Net operating income to assets | 0.3090% | 4,125 |
| Return on assets (ROA) | 0.3090% | 4,093 |
| Pretax return on assets | 0.3090% | 4,174 |
| Return on Equity (ROE) | 3.1814% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.1814% | 3,201 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1107% | 783 |
| Assets per employee ($millions) | 9.5308% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2586% | 124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 8.8775% | 4,740 |
| Net loans and leases to deposits | 9.7752% | 4,746 |
| Net loans and leases to core deposits | 9.7752% | 4,738 |
| Total domestic deposits to total assets | 90.8171% | 1,130 |
| Equity capital to assets | 9.1461% | 2,580 |
| Core capital (leverage) ratio | 10.3474% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,898,000 | 4,080 |
| Average earning assets | $88,362,000 | 4,041 |
| Average equity | $8,927,000 | 4,165 |
| Average total loans | $8,256,500 | 4,710 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1050% | 4,651 |
| Cost of funding earning assets | 0.0354% | 4,742 |
| Net interest margin | 2.0696% | 4,561 |
| Noninterest income to average assets | 0.3635% | 3,254 |
| Noninterest expense to average assets | 2.0277% | 3,590 |
| Loan and lease loss provision to assets | 0.0133% | 2,818 |
| Net operating income to assets | 0.2995% | 4,421 |
| Return on assets (ROA) | 0.2995% | 4,444 |
| Pretax return on assets | 0.2995% | 4,496 |
| Return on Equity (ROE) | 2.6387% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.6387% | 3,782 |
| Net charge-offs to loans | 0.1104% | 802 |
| Credit loss provision to net charge-offs | 122.2222% | 1,635 |
| Earnings coverage of net charge-offs (x) | 28.7778% | 1,634 |
| Efficiency ratio | 86.6357% | 435 |
| Assets per employee ($millions) | 8.8488% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6307% | 88 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 8.4588% | 4,787 |
| Net loans and leases to deposits | 9.4329% | 4,790 |
| Net loans and leases to core deposits | 9.4329% | 4,782 |
| Total domestic deposits to total assets | 89.6732% | 1,127 |
| Equity capital to assets | 10.3257% | 2,344 |
| Core capital (leverage) ratio | 10.6629% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,805,000 | 4,178 |
| Average earning assets | $79,098,400 | 4,140 |
| Average equity | $9,398,400 | 4,203 |
| Average total loans | $8,149,600 | 4,752 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1444% | 4,729 |
| Cost of funding earning assets | 0.0361% | 4,828 |
| Net interest margin | 2.1084% | 4,621 |
| Noninterest income to average assets | 0.3604% | 3,298 |
| Noninterest expense to average assets | 2.0642% | 3,472 |
| Loan and lease loss provision to assets | 0.0147% | 2,703 |
| Net operating income to assets | 0.2933% | 4,528 |
| Return on assets (ROA) | 0.2933% | 4,551 |
| Pretax return on assets | 0.2933% | 4,596 |
| Return on Equity (ROE) | 2.5218% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.5218% | 4,048 |
| Net charge-offs to loans | 0.0809% | 862 |
| Credit loss provision to net charge-offs | 180.0000% | 1,257 |
| Earnings coverage of net charge-offs (x) | 37.6000% | 1,410 |
| Efficiency ratio | 87.0166% | 398 |
| Assets per employee ($millions) | 7.9249% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6626% | 92 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 8.5691% | 4,859 |
| Net loans and leases to deposits | 9.6234% | 4,862 |
| Net loans and leases to core deposits | 9.6234% | 4,856 |
| Total domestic deposits to total assets | 89.0438% | 1,254 |
| Equity capital to assets | 10.8668% | 2,111 |
| Core capital (leverage) ratio | 11.1257% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,384,250 | 4,246 |
| Average earning assets | $77,656,750 | 4,212 |
| Average equity | $9,463,750 | 4,257 |
| Average total loans | $8,245,250 | 4,820 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2117% | 4,759 |
| Cost of funding earning assets | 0.0396% | 4,855 |
| Net interest margin | 2.1721% | 4,615 |
| Noninterest income to average assets | 0.3650% | 3,274 |
| Noninterest expense to average assets | 2.1346% | 3,285 |
| Loan and lease loss provision to assets | 0.0151% | 2,649 |
| Net operating income to assets | 0.2844% | 4,542 |
| Return on assets (ROA) | 0.2844% | 4,561 |
| Pretax return on assets | 0.2844% | 4,601 |
| Return on Equity (ROE) | 2.3888% | 4,555 |
| Retained earnings to average equity (ytd only) | 2.3888% | 4,020 |
| Net charge-offs to loans | 0.1189% | 653 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 23.8000% | 1,455 |
| Efficiency ratio | 87.6939% | 410 |
| Assets per employee ($millions) | 7.6155% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4256% | 103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 9.4567% | 4,897 |
| Net loans and leases to deposits | 10.6599% | 4,899 |
| Net loans and leases to core deposits | 10.6599% | 4,891 |
| Total domestic deposits to total assets | 88.7133% | 1,442 |
| Equity capital to assets | 11.2294% | 1,812 |
| Core capital (leverage) ratio | 11.1481% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,454,333 | 4,298 |
| Average earning assets | $75,688,333 | 4,266 |
| Average equity | $9,460,667 | 4,268 |
| Average total loans | $8,409,000 | 4,856 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2086% | 4,790 |
| Cost of funding earning assets | 0.0434% | 4,888 |
| Net interest margin | 2.1652% | 4,641 |
| Noninterest income to average assets | 0.4243% | 2,961 |
| Noninterest expense to average assets | 2.2045% | 3,098 |
| Loan and lease loss provision to assets | 0.0155% | 2,573 |
| Net operating income to assets | 0.2691% | 4,563 |
| Return on assets (ROA) | 0.2691% | 4,590 |
| Pretax return on assets | 0.2691% | 4,628 |
| Return on Equity (ROE) | 2.1924% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.1924% | 3,968 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5655% | 423 |
| Assets per employee ($millions) | 7.3894% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4681% | 103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 9.6908% | 4,922 |
| Net loans and leases to deposits | 10.9734% | 4,924 |
| Net loans and leases to core deposits | 10.9734% | 4,920 |
| Total domestic deposits to total assets | 88.3124% | 1,697 |
| Equity capital to assets | 11.6494% | 1,468 |
| Core capital (leverage) ratio | 12.1057% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,296,000 | 4,349 |
| Average earning assets | $73,712,500 | 4,303 |
| Average equity | $9,487,500 | 4,275 |
| Average total loans | $8,512,000 | 4,878 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5985% | 4,825 |
| Cost of funding earning assets | 0.1434% | 4,744 |
| Net interest margin | 2.4551% | 4,623 |
| Noninterest income to average assets | 0.3978% | 3,102 |
| Noninterest expense to average assets | 2.1553% | 3,804 |
| Loan and lease loss provision to assets | 0.0220% | 4,120 |
| Net operating income to assets | 0.5533% | 3,895 |
| Return on assets (ROA) | 0.5533% | 3,994 |
| Pretax return on assets | 0.5533% | 4,172 |
| Return on Equity (ROE) | 4.2444% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.1327% | 3,766 |
| Net charge-offs to loans | 0.3010% | 579 |
| Credit loss provision to net charge-offs | 59.2593% | 3,093 |
| Earnings coverage of net charge-offs (x) | 15.4815% | 2,170 |
| Efficiency ratio | 78.9315% | 969 |
| Assets per employee ($millions) | 6.6645% | 1,803 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1588% | 129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 11.7093% | 4,934 |
| Net loans and leases to deposits | 13.4543% | 4,938 |
| Net loans and leases to core deposits | 13.4543% | 4,936 |
| Total domestic deposits to total assets | 87.0302% | 1,930 |
| Equity capital to assets | 12.9670% | 1,098 |
| Core capital (leverage) ratio | 12.6919% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,657,200 | 4,345 |
| Average earning assets | $69,040,800 | 4,309 |
| Average equity | $9,471,400 | 4,254 |
| Average total loans | $8,970,800 | 4,902 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6255% | 4,877 |
| Cost of funding earning assets | 0.1645% | 4,767 |
| Net interest margin | 2.4611% | 4,682 |
| Noninterest income to average assets | 0.3917% | 3,121 |
| Noninterest expense to average assets | 2.1316% | 3,871 |
| Loan and lease loss provision to assets | 0.0221% | 4,054 |
| Net operating income to assets | 0.5775% | 3,837 |
| Return on assets (ROA) | 0.5775% | 3,932 |
| Pretax return on assets | 0.5775% | 4,144 |
| Return on Equity (ROE) | 4.4243% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.9730% | 3,530 |
| Net charge-offs to loans | 0.4594% | 329 |
| Credit loss provision to net charge-offs | 38.7097% | 2,932 |
| Earnings coverage of net charge-offs (x) | 10.5161% | 2,353 |
| Efficiency ratio | 78.0471% | 1,029 |
| Assets per employee ($millions) | 6.6468% | 1,718 |
| Cash dividends to net income (ytd only)* | 32.8025% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0279% | 133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 11.8703% | 4,968 |
| Net loans and leases to deposits | 13.6765% | 4,973 |
| Net loans and leases to core deposits | 13.7640% | 4,969 |
| Total domestic deposits to total assets | 86.7934% | 1,737 |
| Equity capital to assets | 13.0958% | 1,136 |
| Core capital (leverage) ratio | 12.4665% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,494,250 | 4,354 |
| Average earning assets | $68,911,250 | 4,321 |
| Average equity | $9,462,750 | 4,270 |
| Average total loans | $8,997,500 | 4,934 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6711% | 4,944 |
| Cost of funding earning assets | 0.2010% | 4,762 |
| Net interest margin | 2.4701% | 4,752 |
| Noninterest income to average assets | 0.3901% | 3,142 |
| Noninterest expense to average assets | 2.0972% | 4,037 |
| Loan and lease loss provision to assets | 0.0194% | 3,994 |
| Net operating income to assets | 0.6197% | 3,675 |
| Return on assets (ROA) | 0.6197% | 3,752 |
| Pretax return on assets | 0.6197% | 4,020 |
| Return on Equity (ROE) | 4.7531% | 3,896 |
| Retained earnings to average equity (ytd only) | 2.5675% | 3,561 |
| Net charge-offs to loans | 0.3994% | 396 |
| Credit loss provision to net charge-offs | 38.8889% | 2,674 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 2,028 |
| Efficiency ratio | 76.6431% | 1,201 |
| Assets per employee ($millions) | 6.7149% | 1,621 |
| Cash dividends to net income (ytd only)* | 45.9821% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2868% | 107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 11.1543% | 5,008 |
| Net loans and leases to deposits | 12.8259% | 5,013 |
| Net loans and leases to core deposits | 12.9067% | 5,011 |
| Total domestic deposits to total assets | 86.9666% | 1,634 |
| Equity capital to assets | 12.9481% | 1,189 |
| Core capital (leverage) ratio | 12.3897% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,287,333 | 4,367 |
| Average earning assets | $68,661,333 | 4,336 |
| Average equity | $9,425,333 | 4,293 |
| Average total loans | $9,013,333 | 4,968 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6845% | 5,020 |
| Cost of funding earning assets | 0.2944% | 4,672 |
| Net interest margin | 2.3902% | 4,882 |
| Noninterest income to average assets | 0.4084% | 3,037 |
| Noninterest expense to average assets | 1.9693% | 4,458 |
| Loan and lease loss provision to assets | 0.0168% | 3,587 |
| Net operating income to assets | 0.6937% | 3,295 |
| Return on assets (ROA) | 0.6937% | 3,364 |
| Pretax return on assets | 0.6937% | 3,702 |
| Return on Equity (ROE) | 5.3014% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.3014% | 2,153 |
| Net charge-offs to loans | 0.1296% | 939 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 1,002 |
| Efficiency ratio | 73.4864% | 1,885 |
| Assets per employee ($millions) | 6.7862% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2119% | 121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 11.7471% | 5,052 |
| Net loans and leases to deposits | 13.4947% | 5,057 |
| Net loans and leases to core deposits | 13.5785% | 5,052 |
| Total domestic deposits to total assets | 87.0499% | 1,533 |
| Equity capital to assets | 12.8925% | 1,493 |
| Core capital (leverage) ratio | 12.5836% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,499,000 | 4,387 |
| Average earning assets | $67,944,500 | 4,351 |
| Average equity | $9,356,000 | 4,319 |
| Average total loans | $9,260,500 | 5,005 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 5,067 |
| Cost of funding earning assets | 0.3273% | 4,662 |
| Net interest margin | 2.6355% | 4,882 |
| Noninterest income to average assets | 0.5028% | 2,720 |
| Noninterest expense to average assets | 2.2585% | 4,047 |
| Loan and lease loss provision to assets | 0.0192% | 3,633 |
| Net operating income to assets | 0.6927% | 3,886 |
| Return on assets (ROA) | 0.6927% | 3,952 |
| Pretax return on assets | 0.6927% | 4,217 |
| Return on Equity (ROE) | 4.8714% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.3234% | 3,864 |
| Net charge-offs to loans | 0.0534% | 2,340 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 89.2000% | 739 |
| Efficiency ratio | 76.0344% | 1,365 |
| Assets per employee ($millions) | 4.8821% | 2,728 |
| Cash dividends to net income (ytd only)* | 52.3041% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0758% | 121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 13.4162% | 5,110 |
| Net loans and leases to deposits | 15.4744% | 5,113 |
| Net loans and leases to core deposits | 15.9534% | 5,107 |
| Total domestic deposits to total assets | 86.6993% | 1,753 |
| Equity capital to assets | 13.2963% | 1,373 |
| Core capital (leverage) ratio | 14.1428% | 894 |
| Tier 1 risk-based capital ratio | 34.8246% | 334 |
| Total risk-based capital ratio | 35.9478% | 330 |
| Memoranda: | ||
| Average total assets | $62,652,800 | 4,555 |
| Average earning assets | $58,660,400 | 4,544 |
| Average equity | $8,909,200 | 4,387 |
| Average total loans | $9,358,600 | 5,063 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0473% | 5,138 |
| Cost of funding earning assets | 0.3456% | 4,673 |
| Net interest margin | 2.7017% | 4,939 |
| Noninterest income to average assets | 0.5161% | 2,629 |
| Noninterest expense to average assets | 2.3126% | 3,918 |
| Loan and lease loss provision to assets | 0.0196% | 3,515 |
| Net operating income to assets | 0.7034% | 4,000 |
| Return on assets (ROA) | 0.7034% | 4,067 |
| Pretax return on assets | 0.7034% | 4,335 |
| Return on Equity (ROE) | 4.8583% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.3090% | 3,753 |
| Net charge-offs to loans | 0.0857% | 1,622 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 55.3325% | 1,120 |
| Efficiency ratio | 76.1836% | 1,310 |
| Assets per employee ($millions) | 5.4549% | 2,071 |
| Cash dividends to net income (ytd only)* | 31.8883% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2499% | 108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 14.2391% | 5,186 |
| Net loans and leases to deposits | 16.8308% | 5,186 |
| Net loans and leases to core deposits | 16.8308% | 5,183 |
| Total domestic deposits to total assets | 84.6010% | 2,582 |
| Equity capital to assets | 15.2207% | 789 |
| Core capital (leverage) ratio | 15.0290% | 733 |
| Tier 1 risk-based capital ratio | 30.3035% | 474 |
| Total risk-based capital ratio | 31.5915% | 462 |
| Memoranda: | ||
| Average total assets | $61,228,500 | 4,636 |
| Average earning assets | $57,097,750 | 4,633 |
| Average equity | $8,864,500 | 4,443 |
| Average total loans | $9,333,000 | 5,144 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 5,196 |
| Cost of funding earning assets | 0.3556% | 4,665 |
| Net interest margin | 2.7121% | 4,992 |
| Noninterest income to average assets | 0.5127% | 2,605 |
| Noninterest expense to average assets | 2.3168% | 3,961 |
| Loan and lease loss provision to assets | 0.0195% | 3,401 |
| Net operating income to assets | 0.7009% | 4,005 |
| Return on assets (ROA) | 0.7009% | 4,060 |
| Pretax return on assets | 0.7009% | 4,325 |
| Return on Equity (ROE) | 4.9231% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.5755% | 3,906 |
| Net charge-offs to loans | 0.1053% | 1,341 |
| Credit loss provision to net charge-offs | 120.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | 44.4000% | 1,184 |
| Efficiency ratio | 76.2821% | 1,354 |
| Assets per employee ($millions) | 5.0543% | 2,409 |
| Cash dividends to net income (ytd only)* | 47.6852% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2449% | 100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 14.0113% | 5,237 |
| Net loans and leases to deposits | 16.4786% | 5,237 |
| Net loans and leases to core deposits | 16.6032% | 5,233 |
| Total domestic deposits to total assets | 85.0275% | 2,461 |
| Equity capital to assets | 14.8604% | 854 |
| Core capital (leverage) ratio | 14.5442% | 814 |
| Tier 1 risk-based capital ratio | 37.2569% | 289 |
| Total risk-based capital ratio | 38.4461% | 285 |
| Memoranda: | ||
| Average total assets | $61,636,670 | 4,665 |
| Average earning assets | $57,371,670 | 4,662 |
| Average equity | $8,775,000 | 4,471 |
| Average total loans | $9,500,330 | 5,187 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 5,233 |
| Cost of funding earning assets | 0.3408% | 4,704 |
| Net interest margin | 2.7818% | 5,000 |
| Noninterest income to average assets | 0.4829% | 2,666 |
| Noninterest expense to average assets | 2.3499% | 3,895 |
| Loan and lease loss provision to assets | 0.0193% | 3,195 |
| Net operating income to assets | 0.6889% | 3,976 |
| Return on assets (ROA) | 0.6889% | 4,013 |
| Pretax return on assets | 0.6889% | 4,326 |
| Return on Equity (ROE) | 4.9445% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.9445% | 2,928 |
| Net charge-offs to loans | 0.2029% | 689 |
| Credit loss provision to net charge-offs | 60.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,514 |
| Efficiency ratio | 76.8421% | 1,399 |
| Assets per employee ($millions) | 5.2742% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9000% | 144 |
| Loan loss allowance to noncurrent loans | 175.1553% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 3,598 |
| Noncurrent loans to loans | 1.6557% | 940 |
| Net loans and leases to total assets | 14.9186% | 5,292 |
| Net loans and leases to deposits | 17.3289% | 5,294 |
| Net loans and leases to core deposits | 17.4525% | 5,292 |
| Total domestic deposits to total assets | 86.0910% | 2,238 |
| Equity capital to assets | 13.8426% | 1,094 |
| Core capital (leverage) ratio | 14.1017% | 923 |
| Tier 1 risk-based capital ratio | 35.2702% | 320 |
| Total risk-based capital ratio | 36.3848% | 315 |
| Memoranda: | ||
| Average total assets | $62,129,500 | 4,704 |
| Average earning assets | $57,517,000 | 4,704 |
| Average equity | $8,656,000 | 4,516 |
| Average total loans | $9,859,000 | 5,244 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9877% | 5,238 |
| Cost of funding earning assets | 0.2474% | 4,820 |
| Net interest margin | 2.7403% | 5,070 |
| Noninterest income to average assets | 0.4387% | 3,176 |
| Noninterest expense to average assets | 2.3260% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6397% | 4,319 |
| Return on assets (ROA) | 0.6397% | 4,322 |
| Pretax return on assets | 0.6397% | 4,561 |
| Return on Equity (ROE) | 4.7444% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.5674% | 4,115 |
| Net charge-offs to loans | 0.1220% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 33.4167% | 1,492 |
| Efficiency ratio | 78.4293% | 1,094 |
| Assets per employee ($millions) | 5.0808% | 2,401 |
| Cash dividends to net income (ytd only)* | 45.8853% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 15.9261% | 5,332 |
| Net loans and leases to deposits | 18.5249% | 5,332 |
| Net loans and leases to core deposits | 18.6620% | 5,331 |
| Total domestic deposits to total assets | 85.9716% | 2,246 |
| Equity capital to assets | 14.0252% | 965 |
| Core capital (leverage) ratio | 14.1942% | 873 |
| Tier 1 risk-based capital ratio | 33.7636% | 347 |
| Total risk-based capital ratio | 34.8514% | 345 |
| Memoranda: | ||
| Average total assets | $62,684,000 | 4,706 |
| Average earning assets | $57,804,000 | 4,714 |
| Average equity | $8,452,000 | 4,537 |
| Average total loans | $9,835,800 | 5,294 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9499% | 5,305 |
| Cost of funding earning assets | 0.2313% | 4,882 |
| Net interest margin | 2.7186% | 5,155 |
| Noninterest income to average assets | 0.4225% | 3,338 |
| Noninterest expense to average assets | 2.3090% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6211% | 4,445 |
| Return on assets (ROA) | 0.6211% | 4,458 |
| Pretax return on assets | 0.6211% | 4,695 |
| Return on Equity (ROE) | 4.6515% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.5282% | 4,010 |
| Net charge-offs to loans | 0.0273% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 146.8127% | 556 |
| Efficiency ratio | 78.8032% | 1,045 |
| Assets per employee ($millions) | 5.1156% | 2,318 |
| Cash dividends to net income (ytd only)* | 24.1486% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0028% | 140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 15.4707% | 5,407 |
| Net loans and leases to deposits | 17.9718% | 5,407 |
| Net loans and leases to core deposits | 18.1914% | 5,404 |
| Total domestic deposits to total assets | 86.0834% | 2,152 |
| Equity capital to assets | 13.7570% | 1,035 |
| Core capital (leverage) ratio | 13.9663% | 943 |
| Tier 1 risk-based capital ratio | 33.8748% | 348 |
| Total risk-based capital ratio | 35.0038% | 345 |
| Memoranda: | ||
| Average total assets | $63,112,750 | 4,748 |
| Average earning assets | $58,215,000 | 4,755 |
| Average equity | $8,427,250 | 4,584 |
| Average total loans | $9,796,250 | 5,362 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8867% | 5,376 |
| Cost of funding earning assets | 0.2249% | 4,888 |
| Net interest margin | 2.6617% | 5,240 |
| Noninterest income to average assets | 0.4145% | 3,395 |
| Noninterest expense to average assets | 2.2704% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5967% | 4,505 |
| Return on assets (ROA) | 0.5967% | 4,508 |
| Pretax return on assets | 0.5967% | 4,743 |
| Return on Equity (ROE) | 4.5124% | 4,691 |
| Retained earnings to average equity (ytd only) | 2.8262% | 4,123 |
| Net charge-offs to loans | 0.0204% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 433 |
| Efficiency ratio | 79.1895% | 1,099 |
| Assets per employee ($millions) | 5.2763% | 2,127 |
| Cash dividends to net income (ytd only)* | 37.3684% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9176% | 159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 15.5032% | 5,472 |
| Net loans and leases to deposits | 17.8866% | 5,474 |
| Net loans and leases to core deposits | 18.0970% | 5,473 |
| Total domestic deposits to total assets | 86.6748% | 1,982 |
| Equity capital to assets | 13.2320% | 1,212 |
| Core capital (leverage) ratio | 13.5268% | 1,056 |
| Tier 1 risk-based capital ratio | 31.3925% | 430 |
| Total risk-based capital ratio | 32.4547% | 431 |
| Memoranda: | ||
| Average total assets | $63,688,000 | 4,793 |
| Average earning assets | $58,683,670 | 4,800 |
| Average equity | $8,421,330 | 4,629 |
| Average total loans | $9,798,000 | 5,420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8246% | 5,444 |
| Cost of funding earning assets | 0.2168% | 4,918 |
| Net interest margin | 2.6078% | 5,319 |
| Noninterest income to average assets | 0.4071% | 3,411 |
| Noninterest expense to average assets | 2.2482% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5699% | 4,514 |
| Return on assets (ROA) | 0.5699% | 4,517 |
| Pretax return on assets | 0.5699% | 4,751 |
| Return on Equity (ROE) | 4.3113% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.3113% | 3,460 |
| Net charge-offs to loans | 0.0830% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 990 |
| Efficiency ratio | 79.7778% | 1,164 |
| Assets per employee ($millions) | 5.5663% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2529% | 117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 13.0906% | 5,542 |
| Net loans and leases to deposits | 14.9831% | 5,545 |
| Net loans and leases to core deposits | 15.2146% | 5,541 |
| Total domestic deposits to total assets | 87.3690% | 1,969 |
| Equity capital to assets | 12.5756% | 1,438 |
| Core capital (leverage) ratio | 13.5157% | 1,007 |
| Tier 1 risk-based capital ratio | 31.8954% | 407 |
| Total risk-based capital ratio | 32.9748% | 407 |
| Memoranda: | ||
| Average total assets | $63,874,000 | 4,849 |
| Average earning assets | $59,053,500 | 4,851 |
| Average equity | $8,443,000 | 4,676 |
| Average total loans | $9,641,500 | 5,483 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8778% | 5,427 |
| Cost of funding earning assets | 0.1406% | 5,314 |
| Net interest margin | 2.7372% | 5,238 |
| Noninterest income to average assets | 0.4191% | 3,506 |
| Noninterest expense to average assets | 2.3396% | 4,228 |
| Loan and lease loss provision to assets | 0.0082% | 4,102 |
| Net operating income to assets | 0.5131% | 4,344 |
| Return on assets (ROA) | 0.5131% | 4,377 |
| Pretax return on assets | 0.5131% | 4,910 |
| Return on Equity (ROE) | 3.6567% | 4,625 |
| Retained earnings to average equity (ytd only) | 2.0694% | 4,076 |
| Net charge-offs to loans | 0.0299% | 3,202 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 624 |
| Efficiency ratio | 81.7762% | 945 |
| Assets per employee ($millions) | 5.0793% | 2,387 |
| Cash dividends to net income (ytd only)* | 43.4084% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8892% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 16.3227% | 5,591 |
| Net loans and leases to deposits | 18.9631% | 5,597 |
| Net loans and leases to core deposits | 19.2896% | 5,597 |
| Total domestic deposits to total assets | 86.0759% | 2,398 |
| Equity capital to assets | 13.9224% | 935 |
| Core capital (leverage) ratio | 13.9343% | 848 |
| Tier 1 risk-based capital ratio | 30.9003% | 424 |
| Total risk-based capital ratio | 31.9641% | 430 |
| Memoranda: | ||
| Average total assets | $60,609,000 | 4,950 |
| Average earning assets | $54,070,000 | 4,996 |
| Average equity | $8,505,000 | 4,704 |
| Average total loans | $10,018,800 | 5,541 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8605% | 5,498 |
| Cost of funding earning assets | 0.1298% | 5,428 |
| Net interest margin | 2.7307% | 5,295 |
| Noninterest income to average assets | 0.4142% | 3,595 |
| Noninterest expense to average assets | 2.2845% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5397% | 4,615 |
| Return on assets (ROA) | 0.5397% | 4,648 |
| Pretax return on assets | 0.5397% | 4,949 |
| Return on Equity (ROE) | 3.8387% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.2432% | 3,994 |
| Net charge-offs to loans | 0.0402% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 81.6650% | 798 |
| Efficiency ratio | 80.8892% | 1,010 |
| Assets per employee ($millions) | 5.1612% | 2,273 |
| Cash dividends to net income (ytd only)* | 15.5115% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8926% | 175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 15.7732% | 5,665 |
| Net loans and leases to deposits | 18.3624% | 5,666 |
| Net loans and leases to core deposits | 18.6741% | 5,667 |
| Total domestic deposits to total assets | 85.8995% | 2,346 |
| Equity capital to assets | 13.9584% | 1,009 |
| Core capital (leverage) ratio | 14.1174% | 862 |
| Tier 1 risk-based capital ratio | 31.2147% | 437 |
| Total risk-based capital ratio | 32.2674% | 440 |
| Memoranda: | ||
| Average total assets | $60,523,250 | 5,007 |
| Average earning assets | $53,416,750 | 5,062 |
| Average equity | $8,509,750 | 4,746 |
| Average total loans | $9,962,250 | 5,601 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8795% | 5,520 |
| Cost of funding earning assets | 0.1222% | 5,494 |
| Net interest margin | 2.7573% | 5,301 |
| Noninterest income to average assets | 0.4163% | 3,588 |
| Noninterest expense to average assets | 2.2813% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5395% | 4,575 |
| Return on assets (ROA) | 0.5395% | 4,612 |
| Pretax return on assets | 0.5395% | 4,935 |
| Return on Equity (ROE) | 3.8277% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.9298% | 3,974 |
| Net charge-offs to loans | 0.1007% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,415 |
| Efficiency ratio | 80.8737% | 1,118 |
| Assets per employee ($millions) | 5.1143% | 2,257 |
| Cash dividends to net income (ytd only)* | 23.4568% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1019% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 14.7103% | 5,719 |
| Net loans and leases to deposits | 17.1342% | 5,722 |
| Net loans and leases to core deposits | 17.4279% | 5,723 |
| Total domestic deposits to total assets | 85.8535% | 2,443 |
| Equity capital to assets | 13.9819% | 974 |
| Core capital (leverage) ratio | 14.0296% | 856 |
| Tier 1 risk-based capital ratio | 31.0143% | 431 |
| Total risk-based capital ratio | 32.0631% | 437 |
| Memoranda: | ||
| Average total assets | $60,053,000 | 5,052 |
| Average earning assets | $52,370,000 | 5,118 |
| Average equity | $8,464,670 | 4,771 |
| Average total loans | $9,929,670 | 5,650 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8864% | 5,550 |
| Cost of funding earning assets | 0.1083% | 5,621 |
| Net interest margin | 2.7780% | 5,286 |
| Noninterest income to average assets | 0.4176% | 3,543 |
| Noninterest expense to average assets | 2.2898% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5455% | 4,401 |
| Return on assets (ROA) | 0.5455% | 4,442 |
| Pretax return on assets | 0.5455% | 4,851 |
| Return on Equity (ROE) | 3.8542% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.8542% | 3,526 |
| Net charge-offs to loans | 0.1172% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,283 |
| Efficiency ratio | 80.7601% | 1,286 |
| Assets per employee ($millions) | 4.6633% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9027% | 196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 16.0566% | 5,776 |
| Net loans and leases to deposits | 18.6790% | 5,776 |
| Net loans and leases to core deposits | 19.0024% | 5,776 |
| Total domestic deposits to total assets | 85.9608% | 2,685 |
| Equity capital to assets | 13.9782% | 907 |
| Core capital (leverage) ratio | 14.1707% | 797 |
| Tier 1 risk-based capital ratio | 31.1408% | 440 |
| Total risk-based capital ratio | 32.2066% | 446 |
| Memoranda: | ||
| Average total assets | $59,393,500 | 5,123 |
| Average earning assets | $51,691,500 | 5,178 |
| Average equity | $8,406,500 | 4,824 |
| Average total loans | $10,236,000 | 5,705 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8721% | 5,601 |
| Cost of funding earning assets | 0.0939% | 5,730 |
| Net interest margin | 2.7783% | 5,325 |
| Noninterest income to average assets | 0.4151% | 3,776 |
| Noninterest expense to average assets | 2.3893% | 4,326 |
| Loan and lease loss provision to assets | 0.0395% | 3,592 |
| Net operating income to assets | 0.3722% | 5,027 |
| Return on assets (ROA) | 0.3722% | 5,111 |
| Pretax return on assets | 0.3722% | 5,262 |
| Return on Equity (ROE) | 2.5634% | 5,278 |
| Retained earnings to average equity (ytd only) | 1.2403% | 4,790 |
| Net charge-offs to loans | 0.0104% | 3,917 |
| Credit loss provision to net charge-offs | 2,300.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 296 |
| Efficiency ratio | 85.3031% | 878 |
| Assets per employee ($millions) | 4.4742% | 3,155 |
| Cash dividends to net income (ytd only)* | 51.6129% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8142% | 216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 17.4558% | 5,825 |
| Net loans and leases to deposits | 20.3781% | 5,826 |
| Net loans and leases to core deposits | 20.7475% | 5,827 |
| Total domestic deposits to total assets | 85.6595% | 2,751 |
| Equity capital to assets | 14.3370% | 787 |
| Core capital (leverage) ratio | 14.7832% | 636 |
| Tier 1 risk-based capital ratio | 31.0580% | 437 |
| Total risk-based capital ratio | 32.1422% | 444 |
| Memoranda: | ||
| Average total assets | $58,300,400 | 5,184 |
| Average earning assets | $50,067,200 | 5,250 |
| Average equity | $8,465,400 | 4,848 |
| Average total loans | $9,589,400 | 5,777 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 5,675 |
| Cost of funding earning assets | 0.0961% | 5,785 |
| Net interest margin | 2.7785% | 5,389 |
| Noninterest income to average assets | 0.4045% | 3,889 |
| Noninterest expense to average assets | 2.3725% | 4,348 |
| Loan and lease loss provision to assets | 0.0206% | 3,825 |
| Net operating income to assets | 0.3908% | 5,049 |
| Return on assets (ROA) | 0.3908% | 5,139 |
| Pretax return on assets | 0.3908% | 5,322 |
| Return on Equity (ROE) | 2.6832% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.1026% | 4,641 |
| Net charge-offs to loans | 0.0142% | 3,458 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 180.4436% | 404 |
| Efficiency ratio | 85.2217% | 882 |
| Assets per employee ($millions) | 4.3558% | 3,323 |
| Cash dividends to net income (ytd only)* | 21.6369% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9790% | 190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 16.1042% | 5,904 |
| Net loans and leases to deposits | 19.0599% | 5,906 |
| Net loans and leases to core deposits | 19.4195% | 5,906 |
| Total domestic deposits to total assets | 84.4927% | 3,032 |
| Equity capital to assets | 15.1876% | 692 |
| Core capital (leverage) ratio | 14.9926% | 636 |
| Tier 1 risk-based capital ratio | 32.9680% | 385 |
| Total risk-based capital ratio | 34.0601% | 383 |
| Memoranda: | ||
| Average total assets | $58,334,500 | 5,225 |
| Average earning assets | $49,953,500 | 5,300 |
| Average equity | $8,497,000 | 4,887 |
| Average total loans | $9,375,000 | 5,844 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8830% | 5,745 |
| Cost of funding earning assets | 0.0996% | 5,856 |
| Net interest margin | 2.7834% | 5,452 |
| Noninterest income to average assets | 0.3837% | 3,999 |
| Noninterest expense to average assets | 2.3326% | 4,519 |
| Loan and lease loss provision to assets | 0.0204% | 3,732 |
| Net operating income to assets | 0.4040% | 5,021 |
| Return on assets (ROA) | 0.4040% | 5,103 |
| Pretax return on assets | 0.4040% | 5,336 |
| Return on Equity (ROE) | 2.8124% | 5,297 |
| Retained earnings to average equity (ytd only) | 1.9379% | 4,590 |
| Net charge-offs to loans | -0.0214% | 4,970 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6059% | 997 |
| Assets per employee ($millions) | 4.4355% | 3,146 |
| Cash dividends to net income (ytd only)* | 31.0924% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0156% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 15.5614% | 5,982 |
| Net loans and leases to deposits | 18.3265% | 5,988 |
| Net loans and leases to core deposits | 18.6642% | 5,985 |
| Total domestic deposits to total assets | 84.9121% | 2,920 |
| Equity capital to assets | 14.8139% | 783 |
| Core capital (leverage) ratio | 14.2317% | 765 |
| Tier 1 risk-based capital ratio | 32.2692% | 410 |
| Total risk-based capital ratio | 33.3410% | 409 |
| Memoranda: | ||
| Average total assets | $58,904,330 | 5,264 |
| Average earning assets | $50,225,670 | 5,349 |
| Average equity | $8,462,670 | 4,927 |
| Average total loans | $9,367,000 | 5,916 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8924% | 5,791 |
| Cost of funding earning assets | 0.1036% | 5,902 |
| Net interest margin | 2.7888% | 5,485 |
| Noninterest income to average assets | 0.3763% | 4,021 |
| Noninterest expense to average assets | 2.3251% | 4,591 |
| Loan and lease loss provision to assets | 0.0202% | 3,427 |
| Net operating income to assets | 0.3830% | 5,047 |
| Return on assets (ROA) | 0.3830% | 5,118 |
| Pretax return on assets | 0.3830% | 5,343 |
| Return on Equity (ROE) | 2.7069% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.7069% | 4,160 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2217% | 1,044 |
| Assets per employee ($millions) | 4.6202% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0602% | 211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 14.5564% | 6,047 |
| Net loans and leases to deposits | 16.9935% | 6,047 |
| Net loans and leases to core deposits | 17.2059% | 6,043 |
| Total domestic deposits to total assets | 85.6584% | 2,829 |
| Equity capital to assets | 14.1368% | 932 |
| Core capital (leverage) ratio | 13.9693% | 819 |
| Tier 1 risk-based capital ratio | 31.6243% | 445 |
| Total risk-based capital ratio | 32.6663% | 446 |
| Memoranda: | ||
| Average total assets | $59,525,500 | 5,296 |
| Average earning assets | $50,201,000 | 5,400 |
| Average equity | $8,423,000 | 4,970 |
| Average total loans | $9,424,500 | 5,972 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 5,711 |
| Cost of funding earning assets | 0.1055% | 5,940 |
| Net interest margin | 2.9144% | 5,310 |
| Noninterest income to average assets | 0.4063% | 3,991 |
| Noninterest expense to average assets | 2.4639% | 4,341 |
| Loan and lease loss provision to assets | 0.0175% | 4,055 |
| Net operating income to assets | 0.3432% | 5,231 |
| Return on assets (ROA) | 0.3432% | 5,323 |
| Pretax return on assets | 0.3432% | 5,433 |
| Return on Equity (ROE) | 2.3542% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.3542% | 4,382 |
| Net charge-offs to loans | -0.2120% | 5,959 |
| Credit loss provision to net charge-offs | -50.0000% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2288% | 890 |
| Assets per employee ($millions) | 4.5375% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7772% | 289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 16.2016% | 6,094 |
| Net loans and leases to deposits | 18.8862% | 6,103 |
| Net loans and leases to core deposits | 19.1262% | 6,100 |
| Total domestic deposits to total assets | 85.7852% | 2,739 |
| Equity capital to assets | 14.1639% | 877 |
| Core capital (leverage) ratio | 14.5697% | 698 |
| Tier 1 risk-based capital ratio | 30.7744% | 473 |
| Total risk-based capital ratio | 31.7844% | 475 |
| Memoranda: | ||
| Average total assets | $57,104,400 | 5,376 |
| Average earning assets | $47,386,200 | 5,498 |
| Average equity | $8,325,400 | 5,000 |
| Average total loans | $9,433,800 | 6,025 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0697% | 5,743 |
| Cost of funding earning assets | 0.1078% | 6,029 |
| Net interest margin | 2.9619% | 5,284 |
| Noninterest income to average assets | 0.4143% | 3,975 |
| Noninterest expense to average assets | 2.3684% | 4,597 |
| Loan and lease loss provision to assets | 0.0212% | 3,848 |
| Net operating income to assets | 0.4826% | 4,848 |
| Return on assets (ROA) | 0.4826% | 4,947 |
| Pretax return on assets | 0.4826% | 5,262 |
| Return on Equity (ROE) | 3.2860% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.2860% | 4,129 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4590% | 1,332 |
| Assets per employee ($millions) | 4.3093% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5922% | 386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 16.8365% | 6,176 |
| Net loans and leases to deposits | 19.8903% | 6,184 |
| Net loans and leases to core deposits | 20.1599% | 6,183 |
| Total domestic deposits to total assets | 84.6468% | 3,155 |
| Equity capital to assets | 15.0693% | 724 |
| Core capital (leverage) ratio | 14.6965% | 699 |
| Tier 1 risk-based capital ratio | 32.8935% | 416 |
| Total risk-based capital ratio | 33.8851% | 421 |
| Memoranda: | ||
| Average total assets | $56,633,500 | 5,464 |
| Average earning assets | $46,996,250 | 5,568 |
| Average equity | $8,318,000 | 5,067 |
| Average total loans | $9,334,750 | 6,109 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9969% | 5,858 |
| Cost of funding earning assets | 0.1051% | 6,112 |
| Net interest margin | 2.8918% | 5,459 |
| Noninterest income to average assets | 0.4117% | 3,994 |
| Noninterest expense to average assets | 2.3330% | 4,767 |
| Loan and lease loss provision to assets | 0.0211% | 3,712 |
| Net operating income to assets | 0.4786% | 4,859 |
| Return on assets (ROA) | 0.4786% | 4,959 |
| Pretax return on assets | 0.4786% | 5,281 |
| Return on Equity (ROE) | 3.2863% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.2863% | 3,957 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3602% | 1,441 |
| Assets per employee ($millions) | 4.0129% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 16.5308% | 6,251 |
| Net loans and leases to deposits | 19.4476% | 6,260 |
| Net loans and leases to core deposits | 19.7093% | 6,256 |
| Total domestic deposits to total assets | 85.0018% | 3,122 |
| Equity capital to assets | 14.8273% | 734 |
| Core capital (leverage) ratio | 14.3383% | 751 |
| Tier 1 risk-based capital ratio | 32.6378% | 438 |
| Total risk-based capital ratio | 33.6179% | 440 |
| Memoranda: | ||
| Average total assets | $56,837,670 | 5,520 |
| Average earning assets | $47,582,670 | 5,618 |
| Average equity | $8,276,670 | 5,109 |
| Average total loans | $9,218,670 | 6,178 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9561% | 5,940 |
| Cost of funding earning assets | 0.1092% | 6,165 |
| Net interest margin | 2.8469% | 5,555 |
| Noninterest income to average assets | 0.4198% | 3,846 |
| Noninterest expense to average assets | 2.3020% | 4,877 |
| Loan and lease loss provision to assets | 0.0210% | 3,442 |
| Net operating income to assets | 0.4688% | 4,801 |
| Return on assets (ROA) | 0.4688% | 4,922 |
| Pretax return on assets | 0.4688% | 5,265 |
| Return on Equity (ROE) | 3.2485% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.2485% | 4,039 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4561% | 1,567 |
| Assets per employee ($millions) | 4.4521% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7201% | 395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 15.1390% | 6,326 |
| Net loans and leases to deposits | 17.7211% | 6,327 |
| Net loans and leases to core deposits | 17.9512% | 6,327 |
| Total domestic deposits to total assets | 85.4294% | 3,206 |
| Equity capital to assets | 14.3598% | 872 |
| Core capital (leverage) ratio | 14.1703% | 775 |
| Tier 1 risk-based capital ratio | 33.0709% | 423 |
| Total risk-based capital ratio | 34.0602% | 430 |
| Memoranda: | ||
| Average total assets | $57,166,500 | 5,565 |
| Average earning assets | $47,630,000 | 5,668 |
| Average equity | $8,250,000 | 5,148 |
| Average total loans | $9,060,500 | 6,249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0174% | 6,047 |
| Cost of funding earning assets | 0.1088% | 6,302 |
| Net interest margin | 2.9086% | 5,627 |
| Noninterest income to average assets | 0.4062% | 4,136 |
| Noninterest expense to average assets | 2.3398% | 5,001 |
| Loan and lease loss provision to assets | 0.0213% | 4,187 |
| Net operating income to assets | 0.4648% | 4,946 |
| Return on assets (ROA) | 0.4648% | 5,045 |
| Pretax return on assets | 0.4648% | 5,343 |
| Return on Equity (ROE) | 3.2032% | 5,410 |
| Retained earnings to average equity (ytd only) | 0.7580% | 5,429 |
| Net charge-offs to loans | -0.0223% | 5,721 |
| Credit loss provision to net charge-offs | -600.0000% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7997% | 1,554 |
| Assets per employee ($millions) | 4.0326% | 3,880 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6553% | 453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 15.7149% | 6,415 |
| Net loans and leases to deposits | 18.4005% | 6,419 |
| Net loans and leases to core deposits | 18.6457% | 6,418 |
| Total domestic deposits to total assets | 85.4046% | 3,120 |
| Equity capital to assets | 14.5051% | 808 |
| Core capital (leverage) ratio | 14.5576% | 693 |
| Tier 1 risk-based capital ratio | 32.7501% | 403 |
| Total risk-based capital ratio | 33.7258% | 408 |
| Memoranda: | ||
| Average total assets | $56,371,800 | 5,644 |
| Average earning assets | $46,895,400 | 5,756 |
| Average equity | $8,179,200 | 5,158 |
| Average total loans | $8,971,400 | 6,340 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 6,116 |
| Cost of funding earning assets | 0.1082% | 6,385 |
| Net interest margin | 2.9135% | 5,674 |
| Noninterest income to average assets | 0.3904% | 4,320 |
| Noninterest expense to average assets | 2.2785% | 5,159 |
| Loan and lease loss provision to assets | 0.0213% | 3,981 |
| Net operating income to assets | 0.5111% | 4,834 |
| Return on assets (ROA) | 0.5111% | 4,899 |
| Pretax return on assets | 0.5111% | 5,298 |
| Return on Equity (ROE) | 3.5221% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.7883% | 4,617 |
| Net charge-offs to loans | -0.0299% | 5,739 |
| Credit loss provision to net charge-offs | -450.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0606% | 1,751 |
| Assets per employee ($millions) | 3.7344% | 4,426 |
| Cash dividends to net income (ytd only)* | 20.8341% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7561% | 461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 15.1171% | 6,503 |
| Net loans and leases to deposits | 17.7567% | 6,510 |
| Net loans and leases to core deposits | 17.9956% | 6,502 |
| Total domestic deposits to total assets | 85.1346% | 3,290 |
| Equity capital to assets | 14.7369% | 794 |
| Core capital (leverage) ratio | 14.6650% | 682 |
| Tier 1 risk-based capital ratio | 34.0152% | 389 |
| Total risk-based capital ratio | 35.0070% | 390 |
| Memoranda: | ||
| Average total assets | $56,350,750 | 5,706 |
| Average earning assets | $46,816,000 | 5,820 |
| Average equity | $8,176,750 | 5,201 |
| Average total loans | $8,935,750 | 6,414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 6,126 |
| Cost of funding earning assets | 0.1118% | 6,441 |
| Net interest margin | 2.9444% | 5,646 |
| Noninterest income to average assets | 0.3790% | 4,416 |
| Noninterest expense to average assets | 2.2316% | 5,340 |
| Loan and lease loss provision to assets | 0.0213% | 3,849 |
| Net operating income to assets | 0.5526% | 4,588 |
| Return on assets (ROA) | 0.5526% | 4,689 |
| Pretax return on assets | 0.5526% | 5,127 |
| Return on Equity (ROE) | 3.8279% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.7237% | 4,464 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5455% | 2,084 |
| Assets per employee ($millions) | 4.2946% | 3,283 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6304% | 587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 15.4487% | 6,560 |
| Net loans and leases to deposits | 18.1453% | 6,565 |
| Net loans and leases to core deposits | 18.3902% | 6,563 |
| Total domestic deposits to total assets | 85.1388% | 3,440 |
| Equity capital to assets | 14.7340% | 765 |
| Core capital (leverage) ratio | 14.5632% | 687 |
| Tier 1 risk-based capital ratio | 33.6241% | 388 |
| Total risk-based capital ratio | 34.5829% | 392 |
| Memoranda: | ||
| Average total assets | $56,462,330 | 5,750 |
| Average earning assets | $46,529,670 | 5,871 |
| Average equity | $8,150,670 | 5,227 |
| Average total loans | $9,011,670 | 6,475 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0718% | 6,155 |
| Cost of funding earning assets | 0.1128% | 6,520 |
| Net interest margin | 2.9590% | 5,631 |
| Noninterest income to average assets | 0.3663% | 4,453 |
| Noninterest expense to average assets | 2.2544% | 5,319 |
| Loan and lease loss provision to assets | 0.0211% | 3,552 |
| Net operating income to assets | 0.4931% | 4,722 |
| Return on assets (ROA) | 0.4931% | 4,800 |
| Pretax return on assets | 0.4931% | 5,192 |
| Return on Equity (ROE) | 3.4513% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.4513% | 4,064 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4249% | 1,998 |
| Assets per employee ($millions) | 4.4956% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4882% | 816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 15.4903% | 6,628 |
| Net loans and leases to deposits | 18.0288% | 6,634 |
| Net loans and leases to core deposits | 18.2590% | 6,630 |
| Total domestic deposits to total assets | 85.9196% | 3,406 |
| Equity capital to assets | 13.9829% | 922 |
| Core capital (leverage) ratio | 14.1198% | 783 |
| Tier 1 risk-based capital ratio | 32.6415% | 420 |
| Total risk-based capital ratio | 33.5688% | 429 |
| Memoranda: | ||
| Average total assets | $56,778,500 | 5,794 |
| Average earning assets | $46,096,500 | 5,937 |
| Average equity | $8,113,000 | 5,256 |
| Average total loans | $9,088,500 | 6,546 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0875% | 6,258 |
| Cost of funding earning assets | 0.1123% | 6,645 |
| Net interest margin | 2.9752% | 5,632 |
| Noninterest income to average assets | 0.4740% | 3,932 |
| Noninterest expense to average assets | 2.4642% | 4,880 |
| Loan and lease loss provision to assets | 0.0167% | 4,802 |
| Net operating income to assets | 0.3962% | 5,157 |
| Return on assets (ROA) | 0.3962% | 5,271 |
| Pretax return on assets | 0.3962% | 5,505 |
| Return on Equity (ROE) | 2.5976% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.4491% | 5,645 |
| Net charge-offs to loans | 0.5031% | 1,317 |
| Credit loss provision to net charge-offs | 20.4545% | 4,440 |
| Earnings coverage of net charge-offs (x) | 5.0682% | 3,394 |
| Efficiency ratio | 85.6499% | 1,444 |
| Assets per employee ($millions) | 4.2395% | 3,381 |
| Cash dividends to net income (ytd only)* | 82.7103% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5638% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 15.7220% | 6,711 |
| Net loans and leases to deposits | 18.4127% | 6,717 |
| Net loans and leases to core deposits | 18.6633% | 6,713 |
| Total domestic deposits to total assets | 85.3867% | 3,559 |
| Equity capital to assets | 14.6133% | 756 |
| Core capital (leverage) ratio | 14.8717% | 617 |
| Tier 1 risk-based capital ratio | 33.2577% | 390 |
| Total risk-based capital ratio | 34.1985% | 396 |
| Memoranda: | ||
| Average total assets | $54,012,600 | 5,917 |
| Average earning assets | $43,627,200 | 6,061 |
| Average equity | $8,238,400 | 5,278 |
| Average total loans | $8,745,600 | 6,629 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0954% | 6,325 |
| Cost of funding earning assets | 0.1138% | 6,736 |
| Net interest margin | 2.9816% | 5,637 |
| Noninterest income to average assets | 0.5037% | 3,780 |
| Noninterest expense to average assets | 2.2876% | 5,381 |
| Loan and lease loss provision to assets | 0.0149% | 4,712 |
| Net operating income to assets | 0.6054% | 4,323 |
| Return on assets (ROA) | 0.6054% | 4,450 |
| Pretax return on assets | 0.6054% | 4,993 |
| Return on Equity (ROE) | 3.9270% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.9270% | 3,900 |
| Net charge-offs to loans | 0.6737% | 893 |
| Credit loss provision to net charge-offs | 13.6364% | 4,171 |
| Earnings coverage of net charge-offs (x) | 5.6814% | 3,132 |
| Efficiency ratio | 78.6689% | 2,314 |
| Assets per employee ($millions) | 4.0742% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5545% | 877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 16.2053% | 6,791 |
| Net loans and leases to deposits | 19.2289% | 6,795 |
| Net loans and leases to core deposits | 19.5050% | 6,794 |
| Total domestic deposits to total assets | 84.2761% | 4,072 |
| Equity capital to assets | 15.6635% | 601 |
| Core capital (leverage) ratio | 15.4098% | 578 |
| Tier 1 risk-based capital ratio | 35.6042% | 326 |
| Total risk-based capital ratio | 36.5731% | 323 |
| Memoranda: | ||
| Average total assets | $53,737,250 | 5,989 |
| Average earning assets | $43,332,000 | 6,138 |
| Average equity | $8,284,500 | 5,319 |
| Average total loans | $8,708,750 | 6,706 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0914% | 6,348 |
| Cost of funding earning assets | 0.1201% | 6,780 |
| Net interest margin | 2.9712% | 5,642 |
| Noninterest income to average assets | 0.5630% | 3,423 |
| Noninterest expense to average assets | 2.2891% | 5,399 |
| Loan and lease loss provision to assets | 0.0111% | 4,652 |
| Net operating income to assets | 0.6445% | 4,085 |
| Return on assets (ROA) | 0.6445% | 4,237 |
| Pretax return on assets | 0.6445% | 4,861 |
| Return on Equity (ROE) | 4.2026% | 5,133 |
| Retained earnings to average equity (ytd only) | 4.2026% | 3,618 |
| Net charge-offs to loans | 0.0692% | 3,722 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 713 |
| Efficiency ratio | 77.7358% | 2,506 |
| Assets per employee ($millions) | 3.9306% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0901% | 533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 14.9887% | 6,849 |
| Net loans and leases to deposits | 17.6552% | 6,855 |
| Net loans and leases to core deposits | 17.8974% | 6,849 |
| Total domestic deposits to total assets | 84.8968% | 3,942 |
| Equity capital to assets | 15.0251% | 708 |
| Core capital (leverage) ratio | 15.2130% | 580 |
| Tier 1 risk-based capital ratio | 35.6605% | 319 |
| Total risk-based capital ratio | 36.8046% | 312 |
| Memoranda: | ||
| Average total assets | $53,995,000 | 6,020 |
| Average earning assets | $43,282,000 | 6,179 |
| Average equity | $8,280,670 | 5,366 |
| Average total loans | $8,675,670 | 6,756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 6,436 |
| Cost of funding earning assets | 0.1116% | 6,887 |
| Net interest margin | 2.9566% | 5,687 |
| Noninterest income to average assets | 0.3964% | 4,483 |
| Noninterest expense to average assets | 2.2663% | 5,514 |
| Loan and lease loss provision to assets | 0.0150% | 4,269 |
| Net operating income to assets | 0.4937% | 4,698 |
| Return on assets (ROA) | 0.4937% | 4,850 |
| Pretax return on assets | 0.4937% | 5,282 |
| Return on Equity (ROE) | 3.1857% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.1857% | 4,346 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6712% | 2,088 |
| Assets per employee ($millions) | 3.9028% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0882% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 15.2199% | 6,916 |
| Net loans and leases to deposits | 17.9899% | 6,924 |
| Net loans and leases to core deposits | 18.2392% | 6,922 |
| Total domestic deposits to total assets | 84.6026% | 4,222 |
| Equity capital to assets | 15.1815% | 715 |
| Core capital (leverage) ratio | 15.2636% | 556 |
| Tier 1 risk-based capital ratio | 36.2553% | 310 |
| Total risk-based capital ratio | 37.4429% | 305 |
| Memoranda: | ||
| Average total assets | $53,478,500 | 6,093 |
| Average earning assets | $43,022,500 | 6,243 |
| Average equity | $8,287,000 | 5,416 |
| Average total loans | $8,758,000 | 6,824 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 6,414 |
| Cost of funding earning assets | 0.1684% | 6,889 |
| Net interest margin | 3.2824% | 5,311 |
| Noninterest income to average assets | 0.4201% | 4,455 |
| Noninterest expense to average assets | 2.6442% | 4,585 |
| Loan and lease loss provision to assets | 0.0057% | 5,854 |
| Net operating income to assets | 0.4011% | 5,098 |
| Return on assets (ROA) | 0.4011% | 5,340 |
| Pretax return on assets | 0.4011% | 5,576 |
| Return on Equity (ROE) | 2.5425% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.9640% | 5,394 |
| Net charge-offs to loans | 0.0106% | 5,781 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 202 |
| Efficiency ratio | 86.6667% | 1,356 |
| Assets per employee ($millions) | 3.4879% | 5,026 |
| Cash dividends to net income (ytd only)* | 62.0853% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9435% | 697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 16.5756% | 6,967 |
| Net loans and leases to deposits | 19.7513% | 6,973 |
| Net loans and leases to core deposits | 20.0741% | 6,974 |
| Total domestic deposits to total assets | 83.9214% | 4,354 |
| Equity capital to assets | 15.8244% | 585 |
| Core capital (leverage) ratio | 15.4499% | 514 |
| Tier 1 risk-based capital ratio | 36.9536% | 292 |
| Total risk-based capital ratio | 38.1650% | 285 |
| Memoranda: | ||
| Average total assets | $52,605,200 | 6,131 |
| Average earning assets | $42,164,800 | 6,305 |
| Average equity | $8,298,800 | 5,420 |
| Average total loans | $9,461,400 | 6,867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5284% | 6,476 |
| Cost of funding earning assets | 0.1748% | 6,997 |
| Net interest margin | 3.3536% | 5,201 |
| Noninterest income to average assets | 0.4176% | 4,497 |
| Noninterest expense to average assets | 2.4425% | 5,262 |
| Loan and lease loss provision to assets | 0.0076% | 5,712 |
| Net operating income to assets | 0.6378% | 4,203 |
| Return on assets (ROA) | 0.6378% | 4,451 |
| Pretax return on assets | 0.6378% | 5,059 |
| Return on Equity (ROE) | 4.0462% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.8420% | 4,844 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0984% | 2,224 |
| Assets per employee ($millions) | 3.2144% | 5,607 |
| Cash dividends to net income (ytd only)* | 29.7628% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8272% | 862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 17.6431% | 7,051 |
| Net loans and leases to deposits | 21.1851% | 7,064 |
| Net loans and leases to core deposits | 21.3752% | 7,066 |
| Total domestic deposits to total assets | 83.2805% | 4,527 |
| Equity capital to assets | 16.3773% | 548 |
| Core capital (leverage) ratio | 15.7560% | 511 |
| Tier 1 risk-based capital ratio | 38.2298% | 279 |
| Total risk-based capital ratio | 39.4727% | 273 |
| Memoranda: | ||
| Average total assets | $52,677,000 | 6,201 |
| Average earning assets | $41,944,500 | 6,376 |
| Average equity | $8,303,750 | 5,477 |
| Average total loans | $9,593,000 | 6,953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 6,457 |
| Cost of funding earning assets | 0.1859% | 7,059 |
| Net interest margin | 3.4367% | 4,941 |
| Noninterest income to average assets | 0.4219% | 4,484 |
| Noninterest expense to average assets | 2.4147% | 5,401 |
| Loan and lease loss provision to assets | 0.0113% | 5,522 |
| Net operating income to assets | 0.7120% | 3,803 |
| Return on assets (ROA) | 0.7120% | 4,072 |
| Pretax return on assets | 0.7120% | 4,793 |
| Return on Equity (ROE) | 4.5741% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.7590% | 4,783 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9508% | 2,601 |
| Assets per employee ($millions) | 3.2759% | 5,499 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7763% | 965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 17.6384% | 7,112 |
| Net loans and leases to deposits | 21.0314% | 7,126 |
| Net loans and leases to core deposits | 21.2153% | 7,132 |
| Total domestic deposits to total assets | 83.8669% | 4,366 |
| Equity capital to assets | 15.8603% | 609 |
| Core capital (leverage) ratio | 15.2204% | 557 |
| Tier 1 risk-based capital ratio | 37.2297% | 298 |
| Total risk-based capital ratio | 38.4495% | 290 |
| Memoranda: | ||
| Average total assets | $53,092,330 | 6,224 |
| Average earning assets | $41,958,330 | 6,414 |
| Average equity | $8,264,000 | 5,493 |
| Average total loans | $9,678,000 | 7,008 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 5,974 |
| Cost of funding earning assets | 0.2145% | 7,081 |
| Net interest margin | 3.7049% | 3,801 |
| Noninterest income to average assets | 0.4192% | 4,524 |
| Noninterest expense to average assets | 2.3507% | 5,622 |
| Loan and lease loss provision to assets | 0.0150% | 5,131 |
| Net operating income to assets | 0.8983% | 2,926 |
| Return on assets (ROA) | 0.8983% | 3,147 |
| Pretax return on assets | 0.8983% | 4,037 |
| Return on Equity (ROE) | 5.8256% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.8256% | 3,062 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0183% | 3,444 |
| Assets per employee ($millions) | 3.4139% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8322% | 979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 16.5190% | 7,185 |
| Net loans and leases to deposits | 19.5303% | 7,196 |
| Net loans and leases to core deposits | 19.6927% | 7,199 |
| Total domestic deposits to total assets | 84.5813% | 4,231 |
| Equity capital to assets | 15.1770% | 716 |
| Core capital (leverage) ratio | 15.1983% | 574 |
| Tier 1 risk-based capital ratio | 37.1961% | 282 |
| Total risk-based capital ratio | 38.4094% | 279 |
| Memoranda: | ||
| Average total assets | $53,431,500 | 6,249 |
| Average earning assets | $41,027,000 | 6,490 |
| Average equity | $8,239,500 | 5,521 |
| Average total loans | $9,762,500 | 7,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 6,845 |
| Cost of funding earning assets | 0.2795% | 7,138 |
| Net interest margin | 3.4230% | 5,415 |
| Noninterest income to average assets | 0.4210% | 4,439 |
| Noninterest expense to average assets | 2.5992% | 5,098 |
| Loan and lease loss provision to assets | 0.0169% | 6,351 |
| Net operating income to assets | 0.4060% | 4,833 |
| Return on assets (ROA) | 0.4060% | 5,013 |
| Pretax return on assets | 0.4060% | 5,280 |
| Return on Equity (ROE) | 2.6381% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.3068% | 5,243 |
| Net charge-offs to loans | -0.0095% | 6,883 |
| Credit loss provision to net charge-offs | -900.0000% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0075% | 1,564 |
| Assets per employee ($millions) | 3.2651% | 5,591 |
| Cash dividends to net income (ytd only)* | 50.4630% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5491% | 1,248 |
| Loan loss allowance to noncurrent loans | 40.1538% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 1.2442% | 4,150 |
| Noncurrent loans to loans | 6.3483% | 762 |
| Net loans and leases to total assets | 19.0999% | 7,219 |
| Net loans and leases to deposits | 22.7175% | 7,227 |
| Net loans and leases to core deposits | 22.9158% | 7,227 |
| Total domestic deposits to total assets | 84.0757% | 4,290 |
| Equity capital to assets | 15.6754% | 637 |
| Core capital (leverage) ratio | 15.0541% | 596 |
| Tier 1 risk-based capital ratio | 35.6700% | 313 |
| Total risk-based capital ratio | 36.8421% | 311 |
| Memoranda: | ||
| Average total assets | $53,208,400 | 6,254 |
| Average earning assets | $40,432,000 | 6,513 |
| Average equity | $8,187,800 | 5,514 |
| Average total loans | $10,581,600 | 7,095 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 6,915 |
| Cost of funding earning assets | 0.2966% | 7,216 |
| Net interest margin | 3.4261% | 5,485 |
| Noninterest income to average assets | 0.4091% | 4,602 |
| Noninterest expense to average assets | 2.4496% | 5,629 |
| Loan and lease loss provision to assets | 0.0200% | 6,188 |
| Net operating income to assets | 0.5613% | 4,266 |
| Return on assets (ROA) | 0.5613% | 4,435 |
| Pretax return on assets | 0.5613% | 4,930 |
| Return on Equity (ROE) | 3.6640% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.6640% | 4,146 |
| Net charge-offs to loans | -0.0125% | 6,812 |
| Credit loss provision to net charge-offs | -800.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8230% | 2,140 |
| Assets per employee ($millions) | 3.2817% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4861% | 1,414 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,321 |
| Noncurrent loans to loans | 6.2153% | 880 |
| Net loans and leases to total assets | 19.4222% | 7,292 |
| Net loans and leases to deposits | 23.2227% | 7,297 |
| Net loans and leases to core deposits | 23.4254% | 7,299 |
| Total domestic deposits to total assets | 83.6346% | 4,412 |
| Equity capital to assets | 15.9483% | 634 |
| Core capital (leverage) ratio | 15.1394% | 637 |
| Tier 1 risk-based capital ratio | 35.8490% | 320 |
| Total risk-based capital ratio | 37.0052% | 319 |
| Memoranda: | ||
| Average total assets | $53,450,250 | 6,298 |
| Average earning assets | $40,901,250 | 6,551 |
| Average equity | $8,187,500 | 5,541 |
| Average total loans | $10,667,250 | 7,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 6,930 |
| Cost of funding earning assets | 0.3068% | 7,296 |
| Net interest margin | 3.4825% | 5,233 |
| Noninterest income to average assets | 0.3832% | 4,815 |
| Noninterest expense to average assets | 2.4663% | 5,650 |
| Loan and lease loss provision to assets | 0.0223% | 6,013 |
| Net operating income to assets | 0.5543% | 4,293 |
| Return on assets (ROA) | 0.5543% | 4,417 |
| Pretax return on assets | 0.5543% | 4,896 |
| Return on Equity (ROE) | 3.6675% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.6675% | 3,888 |
| Net charge-offs to loans | -0.0186% | 6,805 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0513% | 2,235 |
| Assets per employee ($millions) | 3.3784% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4956% | 1,454 |
| Loan loss allowance to noncurrent loans | 39.6923% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 4,488 |
| Noncurrent loans to loans | 6.2875% | 913 |
| Net loans and leases to total assets | 18.6477% | 7,385 |
| Net loans and leases to deposits | 22.1043% | 7,393 |
| Net loans and leases to core deposits | 22.2900% | 7,394 |
| Total domestic deposits to total assets | 84.3622% | 4,184 |
| Equity capital to assets | 15.2881% | 749 |
| Core capital (leverage) ratio | 14.9832% | 665 |
| Tier 1 risk-based capital ratio | 35.0158% | 346 |
| Total risk-based capital ratio | 36.1472% | 345 |
| Memoranda: | ||
| Average total assets | $53,764,670 | 6,339 |
| Average earning assets | $41,063,000 | 6,597 |
| Average equity | $8,125,330 | 5,571 |
| Average total loans | $10,737,000 | 7,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 6,991 |
| Cost of funding earning assets | 0.3083% | 7,374 |
| Net interest margin | 3.4588% | 5,184 |
| Noninterest income to average assets | 0.3282% | 5,282 |
| Noninterest expense to average assets | 2.4991% | 5,558 |
| Loan and lease loss provision to assets | 0.0373% | 5,521 |
| Net operating income to assets | 0.4700% | 4,621 |
| Return on assets (ROA) | 0.4700% | 4,701 |
| Pretax return on assets | 0.4700% | 5,121 |
| Return on Equity (ROE) | 3.1281% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.1281% | 4,295 |
| Net charge-offs to loans | -0.0366% | 6,774 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1266% | 2,063 |
| Assets per employee ($millions) | 3.3404% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 1,553 |
| Loan loss allowance to noncurrent loans | 39.5385% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 4,519 |
| Noncurrent loans to loans | 6.1699% | 1,011 |
| Net loans and leases to total assets | 19.2303% | 7,434 |
| Net loans and leases to deposits | 22.7389% | 7,447 |
| Net loans and leases to core deposits | 22.9312% | 7,450 |
| Total domestic deposits to total assets | 84.5698% | 4,238 |
| Equity capital to assets | 15.1646% | 730 |
| Core capital (leverage) ratio | 14.0986% | 833 |
| Tier 1 risk-based capital ratio | 36.5758% | 311 |
| Total risk-based capital ratio | 37.7656% | 308 |
| Memoranda: | ||
| Average total assets | $53,619,500 | 6,387 |
| Average earning assets | $41,517,000 | 6,631 |
| Average equity | $8,056,000 | 5,586 |
| Average total loans | $10,936,500 | 7,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 6,896 |
| Cost of funding earning assets | 0.3978% | 7,427 |
| Net interest margin | 3.8234% | 3,850 |
| Noninterest income to average assets | 0.3790% | 5,070 |
| Noninterest expense to average assets | 2.5752% | 5,524 |
| Loan and lease loss provision to assets | 0.0389% | 6,770 |
| Net operating income to assets | 0.8474% | 2,600 |
| Return on assets (ROA) | 0.8474% | 2,737 |
| Pretax return on assets | 0.8474% | 3,475 |
| Return on Equity (ROE) | 5.4023% | 3,896 |
| Retained earnings to average equity (ytd only) | 2.3666% | 4,222 |
| Net charge-offs to loans | 0.0086% | 6,750 |
| Credit loss provision to net charge-offs | 2,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 49 |
| Efficiency ratio | 74.3964% | 3,319 |
| Assets per employee ($millions) | 3.3620% | 5,269 |
| Cash dividends to net income (ytd only)* | 56.1927% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2138% | 1,846 |
| Loan loss allowance to noncurrent loans | 38.6154% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 4,610 |
| Noncurrent loans to loans | 5.7329% | 1,112 |
| Net loans and leases to total assets | 20.6109% | 7,516 |
| Net loans and leases to deposits | 24.2646% | 7,531 |
| Net loans and leases to core deposits | 24.4676% | 7,526 |
| Total domestic deposits to total assets | 84.9420% | 3,884 |
| Equity capital to assets | 14.8851% | 817 |
| Core capital (leverage) ratio | 15.6002% | 560 |
| Tier 1 risk-based capital ratio | 34.8996% | 351 |
| Total risk-based capital ratio | 36.0175% | 348 |
| Memoranda: | ||
| Average total assets | $51,453,000 | 6,485 |
| Average earning assets | $41,481,000 | 6,657 |
| Average equity | $8,070,600 | 5,691 |
| Average total loans | $11,596,800 | 7,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 6,990 |
| Cost of funding earning assets | 0.4088% | 7,559 |
| Net interest margin | 3.8708% | 3,655 |
| Noninterest income to average assets | 0.3801% | 5,112 |
| Noninterest expense to average assets | 2.5110% | 5,674 |
| Loan and lease loss provision to assets | 0.0367% | 6,714 |
| Net operating income to assets | 1.0091% | 2,203 |
| Return on assets (ROA) | 1.0091% | 2,324 |
| Pretax return on assets | 1.0091% | 3,148 |
| Return on Equity (ROE) | 6.3479% | 3,655 |
| Retained earnings to average equity (ytd only) | 3.7098% | 3,851 |
| Net charge-offs to loans | -0.0114% | 7,284 |
| Credit loss provision to net charge-offs | -1,400.0000% | 7,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5969% | 3,960 |
| Assets per employee ($millions) | 3.1344% | 5,845 |
| Cash dividends to net income (ytd only)* | 41.5589% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 1,874 |
| Loan loss allowance to noncurrent loans | 38.0000% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 4,550 |
| Noncurrent loans to loans | 5.6838% | 1,154 |
| Net loans and leases to total assets | 22.3111% | 7,591 |
| Net loans and leases to deposits | 26.7782% | 7,608 |
| Net loans and leases to core deposits | 27.0227% | 7,609 |
| Total domestic deposits to total assets | 83.3180% | 4,453 |
| Equity capital to assets | 16.2772% | 621 |
| Core capital (leverage) ratio | 15.6414% | 616 |
| Tier 1 risk-based capital ratio | 36.8195% | 311 |
| Total risk-based capital ratio | 37.9747% | 305 |
| Memoranda: | ||
| Average total assets | $50,868,250 | 6,578 |
| Average earning assets | $41,747,750 | 6,734 |
| Average equity | $8,086,500 | 5,759 |
| Average total loans | $11,661,500 | 7,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 6,913 |
| Cost of funding earning assets | 0.4268% | 7,635 |
| Net interest margin | 3.9645% | 3,187 |
| Noninterest income to average assets | 0.3639% | 5,226 |
| Noninterest expense to average assets | 2.4693% | 5,839 |
| Loan and lease loss provision to assets | 0.0352% | 6,603 |
| Net operating income to assets | 1.1309% | 1,752 |
| Return on assets (ROA) | 1.1309% | 1,819 |
| Pretax return on assets | 1.1309% | 2,666 |
| Return on Equity (ROE) | 7.1703% | 3,227 |
| Retained earnings to average equity (ytd only) | 3.2006% | 4,070 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9225% | 4,599 |
| Assets per employee ($millions) | 3.1574% | 5,771 |
| Cash dividends to net income (ytd only)* | 55.3633% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 1,988 |
| Loan loss allowance to noncurrent loans | 37.2308% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2866% | 4,577 |
| Noncurrent loans to loans | 5.6068% | 1,173 |
| Net loans and leases to total assets | 22.4688% | 7,660 |
| Net loans and leases to deposits | 26.8714% | 7,679 |
| Net loans and leases to core deposits | 27.1133% | 7,683 |
| Total domestic deposits to total assets | 83.6161% | 4,286 |
| Equity capital to assets | 16.0158% | 666 |
| Core capital (leverage) ratio | 15.2634% | 676 |
| Tier 1 risk-based capital ratio | 35.7718% | 328 |
| Total risk-based capital ratio | 36.8852% | 325 |
| Memoranda: | ||
| Average total assets | $51,107,670 | 6,612 |
| Average earning assets | $42,174,670 | 6,770 |
| Average equity | $8,061,000 | 5,779 |
| Average total loans | $11,736,670 | 7,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 6,931 |
| Cost of funding earning assets | 0.4201% | 7,758 |
| Net interest margin | 4.0141% | 2,815 |
| Noninterest income to average assets | 0.3346% | 5,465 |
| Noninterest expense to average assets | 2.4668% | 5,848 |
| Loan and lease loss provision to assets | 0.0389% | 6,286 |
| Net operating income to assets | 1.1751% | 1,602 |
| Return on assets (ROA) | 1.1751% | 1,684 |
| Pretax return on assets | 1.1751% | 2,458 |
| Return on Equity (ROE) | 7.5068% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.5068% | 1,923 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0190% | 4,914 |
| Assets per employee ($millions) | 3.1907% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0186% | 2,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 22.5343% | 7,753 |
| Net loans and leases to deposits | 26.9307% | 7,768 |
| Net loans and leases to core deposits | 27.1699% | 7,776 |
| Total domestic deposits to total assets | 83.6751% | 4,315 |
| Equity capital to assets | 15.9233% | 683 |
| Core capital (leverage) ratio | 15.2706% | 696 |
| Tier 1 risk-based capital ratio | 35.5914% | 342 |
| Total risk-based capital ratio | 36.6732% | 336 |
| Memoranda: | ||
| Average total assets | $51,402,000 | 6,684 |
| Average earning assets | $42,848,500 | 6,827 |
| Average equity | $8,046,000 | 5,825 |
| Average total loans | $11,808,500 | 7,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 6,917 |
| Cost of funding earning assets | 0.5563% | 7,796 |
| Net interest margin | 4.2582% | 1,863 |
| Noninterest income to average assets | 0.3771% | 5,393 |
| Noninterest expense to average assets | 3.0351% | 4,011 |
| Loan and lease loss provision to assets | 0.0333% | 7,199 |
| Net operating income to assets | 1.0018% | 1,835 |
| Return on assets (ROA) | 1.0018% | 1,879 |
| Pretax return on assets | 1.0018% | 2,585 |
| Return on Equity (ROE) | 6.7061% | 2,906 |
| Retained earnings to average equity (ytd only) | 1.6827% | 3,908 |
| Net charge-offs to loans | 0.0085% | 7,114 |
| Credit loss provision to net charge-offs | 1,800.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 560.0000% | 47 |
| Efficiency ratio | 74.5686% | 3,786 |
| Assets per employee ($millions) | 3.2346% | 5,641 |
| Cash dividends to net income (ytd only)* | 74.9077% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 22.4992% | 7,833 |
| Net loans and leases to deposits | 26.6948% | 7,858 |
| Net loans and leases to core deposits | 29.4420% | 7,867 |
| Total domestic deposits to total assets | 84.2830% | 3,905 |
| Equity capital to assets | 15.3865% | 822 |
| Core capital (leverage) ratio | 14.2967% | 930 |
| Tier 1 risk-based capital ratio | 34.3826% | 355 |
| Total risk-based capital ratio | 35.4258% | 355 |
| Memoranda: | ||
| Average total assets | $54,100,200 | 6,555 |
| Average earning assets | $46,920,800 | 6,638 |
| Average equity | $8,082,200 | 5,898 |
| Average total loans | $11,720,400 | 7,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 6,904 |
| Cost of funding earning assets | 0.5941% | 7,890 |
| Net interest margin | 4.2975% | 1,737 |
| Noninterest income to average assets | 0.3803% | 5,474 |
| Noninterest expense to average assets | 2.6380% | 5,568 |
| Loan and lease loss provision to assets | 0.0341% | 7,016 |
| Net operating income to assets | 1.4823% | 848 |
| Return on assets (ROA) | 1.4823% | 906 |
| Pretax return on assets | 1.4823% | 1,468 |
| Return on Equity (ROE) | 9.9932% | 1,913 |
| Retained earnings to average equity (ytd only) | 7.1991% | 1,433 |
| Net charge-offs to loans | -0.0114% | 7,702 |
| Credit loss provision to net charge-offs | -1,400.0000% | 7,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4977% | 5,843 |
| Assets per employee ($millions) | 2.9669% | 6,253 |
| Cash dividends to net income (ytd only)* | 27.9603% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 1,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 24.1668% | 7,898 |
| Net loans and leases to deposits | 29.4690% | 7,917 |
| Net loans and leases to core deposits | 32.8513% | 7,933 |
| Total domestic deposits to total assets | 82.0076% | 4,677 |
| Equity capital to assets | 17.5058% | 563 |
| Core capital (leverage) ratio | 14.4061% | 978 |
| Tier 1 risk-based capital ratio | 37.5934% | 320 |
| Total risk-based capital ratio | 38.6813% | 314 |
| Memoranda: | ||
| Average total assets | $54,687,000 | 6,589 |
| Average earning assets | $48,026,250 | 6,645 |
| Average equity | $8,112,000 | 5,943 |
| Average total loans | $11,681,500 | 7,689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 7,047 |
| Cost of funding earning assets | 0.6226% | 7,973 |
| Net interest margin | 4.2703% | 1,749 |
| Noninterest income to average assets | 0.3713% | 5,542 |
| Noninterest expense to average assets | 2.5502% | 5,941 |
| Loan and lease loss provision to assets | 0.0315% | 6,928 |
| Net operating income to assets | 1.5379% | 771 |
| Return on assets (ROA) | 1.5379% | 826 |
| Pretax return on assets | 1.5379% | 1,354 |
| Return on Equity (ROE) | 10.9123% | 1,725 |
| Retained earnings to average equity (ytd only) | 6.6866% | 1,701 |
| Net charge-offs to loans | 0.0171% | 6,283 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 74 |
| Efficiency ratio | 61.9048% | 6,260 |
| Assets per employee ($millions) | 3.6698% | 4,400 |
| Cash dividends to net income (ytd only)* | 38.7244% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 1,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 20.7986% | 8,028 |
| Net loans and leases to deposits | 24.4501% | 8,042 |
| Net loans and leases to core deposits | 26.7932% | 8,052 |
| Total domestic deposits to total assets | 85.0655% | 3,232 |
| Equity capital to assets | 14.6420% | 1,127 |
| Core capital (leverage) ratio | 13.6294% | 1,232 |
| Tier 1 risk-based capital ratio | 34.0900% | 446 |
| Total risk-based capital ratio | 35.0673% | 440 |
| Memoranda: | ||
| Average total assets | $57,092,670 | 6,548 |
| Average earning assets | $50,113,000 | 6,628 |
| Average equity | $8,046,000 | 6,007 |
| Average total loans | $11,674,670 | 7,766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9850% | 6,966 |
| Cost of funding earning assets | 0.6693% | 8,009 |
| Net interest margin | 4.3157% | 1,561 |
| Noninterest income to average assets | 0.3717% | 5,449 |
| Noninterest expense to average assets | 2.5398% | 5,688 |
| Loan and lease loss provision to assets | 0.0344% | 6,511 |
| Net operating income to assets | 1.6588% | 704 |
| Return on assets (ROA) | 1.6588% | 773 |
| Pretax return on assets | 1.6588% | 1,271 |
| Return on Equity (ROE) | 11.9915% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.9915% | 784 |
| Net charge-offs to loans | 0.0343% | 5,035 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 174 |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 3.6383% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 1,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 20.0179% | 8,081 |
| Net loans and leases to deposits | 23.4048% | 8,109 |
| Net loans and leases to core deposits | 25.3817% | 8,115 |
| Total domestic deposits to total assets | 85.5290% | 2,951 |
| Equity capital to assets | 14.0312% | 1,357 |
| Core capital (leverage) ratio | 13.2820% | 1,394 |
| Tier 1 risk-based capital ratio | 33.3462% | 481 |
| Total risk-based capital ratio | 34.2884% | 483 |
| Memoranda: | ||
| Average total assets | $58,115,500 | 6,543 |
| Average earning assets | $51,996,500 | 6,573 |
| Average equity | $8,039,000 | 6,049 |
| Average total loans | $11,676,000 | 7,819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0528% | 7,801 |
| Cost of funding earning assets | 1.1870% | 7,958 |
| Net interest margin | 3.8658% | 3,719 |
| Noninterest income to average assets | 0.4887% | 4,707 |
| Noninterest expense to average assets | 2.5093% | 5,965 |
| Loan and lease loss provision to assets | 0.0604% | 6,651 |
| Net operating income to assets | 1.5017% | 1,014 |
| Return on assets (ROA) | 1.5017% | 980 |
| Pretax return on assets | 1.5017% | 1,682 |
| Return on Equity (ROE) | 10.8982% | 1,936 |
| Retained earnings to average equity (ytd only) | 2.8761% | 3,388 |
| Net charge-offs to loans | 0.4402% | 2,631 |
| Credit loss provision to net charge-offs | 70.8333% | 6,060 |
| Earnings coverage of net charge-offs (x) | 18.3125% | 1,712 |
| Efficiency ratio | 61.6325% | 6,021 |
| Assets per employee ($millions) | 3.8679% | 3,813 |
| Cash dividends to net income (ytd only)* | 73.6095% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 1,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 19.4164% | 8,158 |
| Net loans and leases to deposits | 22.5819% | 8,182 |
| Net loans and leases to core deposits | 24.4817% | 8,183 |
| Total domestic deposits to total assets | 85.9819% | 2,412 |
| Equity capital to assets | 13.6337% | 1,560 |
| Core capital (leverage) ratio | 13.1957% | 1,478 |
| Tier 1 risk-based capital ratio | 32.8377% | 514 |
| Total risk-based capital ratio | 33.7779% | 515 |
| Memoranda: | ||
| Average total assets | $56,270,200 | 6,516 |
| Average earning assets | $52,149,000 | 6,499 |
| Average equity | $7,753,600 | 6,189 |
| Average total loans | $10,903,400 | 7,896 |