Home > The Cowboy Bank of Texas > Performance and Condition Ratios
The Cowboy Bank of Texas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8333% | 409 |
| Cost of funding earning assets | 1.8056% | 2,436 |
| Net interest margin | 5.0277% | 284 |
| Noninterest income to average assets | 0.6600% | 1,146 |
| Noninterest expense to average assets | 2.3373% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 3.1200% | 132 |
| Return on assets (ROA) | 3.1200% | 134 |
| Pretax return on assets | 3.1200% | 168 |
| Return on Equity (ROE) | 20.7700% | 385 |
| Retained earnings to average equity (ytd only) | -6.0035% | 4,133 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 42.8288% | 4,211 |
| Assets per employee ($millions) | 7.1361% | 2,128 |
| Cash dividends to net income (ytd only)* | 128.9017% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,525 |
| Loan loss allowance to noncurrent loans | 72.5384% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9695% | 738 |
| Noncurrent loans to loans | 1.5686% | 609 |
| Net loans and leases to total assets | 61.1100% | 2,782 |
| Net loans and leases to deposits | 72.9478% | 2,659 |
| Net loans and leases to core deposits | 84.1440% | 2,439 |
| Total domestic deposits to total assets | 83.7700% | 2,957 |
| Equity capital to assets | 14.5362% | 621 |
| Core capital (leverage) ratio | 15.8376% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $110,896,500 | 3,689 |
| Average earning assets | $105,893,500 | 3,650 |
| Average equity | $16,657,000 | 3,237 |
| Average total loans | $71,295,000 | 3,559 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0349% | 378 |
| Cost of funding earning assets | 1.6389% | 3,086 |
| Net interest margin | 5.3960% | 211 |
| Noninterest income to average assets | 0.8200% | 883 |
| Noninterest expense to average assets | 2.5744% | 2,091 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 3.3015% | 118 |
| Return on assets (ROA) | 3.3015% | 122 |
| Pretax return on assets | 3.3015% | 154 |
| Return on Equity (ROE) | 21.4800% | 317 |
| Retained earnings to average equity (ytd only) | 11.2481% | 399 |
| Net charge-offs to loans | 0.0129% | 2,434 |
| Credit loss provision to net charge-offs | 1,477.7778% | 302 |
| Earnings coverage of net charge-offs (x) | 399.2222% | 306 |
| Efficiency ratio | 42.8867% | 4,259 |
| Assets per employee ($millions) | 6.7538% | 2,329 |
| Cash dividends to net income (ytd only)* | 47.6301% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 3,686 |
| Loan loss allowance to noncurrent loans | 437.2414% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,790 |
| Noncurrent loans to loans | 0.2009% | 2,717 |
| Net loans and leases to total assets | 66.2000% | 2,335 |
| Net loans and leases to deposits | 81.6894% | 1,974 |
| Net loans and leases to core deposits | 92.9825% | 1,914 |
| Total domestic deposits to total assets | 81.0400% | 3,406 |
| Equity capital to assets | 15.8818% | 476 |
| Core capital (leverage) ratio | 16.4114% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $104,799,600 | 3,734 |
| Average earning assets | $100,740,800 | 3,692 |
| Average equity | $16,109,400 | 3,242 |
| Average total loans | $69,783,400 | 3,574 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8377% | 466 |
| Cost of funding earning assets | 1.5612% | 3,247 |
| Net interest margin | 5.2765% | 238 |
| Noninterest income to average assets | 0.7600% | 965 |
| Noninterest expense to average assets | 2.4901% | 2,285 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 3.3055% | 121 |
| Return on assets (ROA) | 3.3055% | 124 |
| Pretax return on assets | 3.3055% | 164 |
| Return on Equity (ROE) | 21.6900% | 321 |
| Retained earnings to average equity (ytd only) | 10.0715% | 842 |
| Net charge-offs to loans | 0.0173% | 2,034 |
| Credit loss provision to net charge-offs | 366.6667% | 770 |
| Earnings coverage of net charge-offs (x) | 290.1111% | 394 |
| Efficiency ratio | 42.6532% | 4,268 |
| Assets per employee ($millions) | 6.7080% | 2,341 |
| Cash dividends to net income (ytd only)* | 53.5687% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,056 |
| Loan loss allowance to noncurrent loans | 36.2712% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3743% | 406 |
| Noncurrent loans to loans | 1.9988% | 391 |
| Net loans and leases to total assets | 68.2600% | 2,053 |
| Net loans and leases to deposits | 84.0901% | 1,811 |
| Net loans and leases to core deposits | 95.2914% | 1,801 |
| Total domestic deposits to total assets | 81.1700% | 3,271 |
| Equity capital to assets | 15.6772% | 516 |
| Core capital (leverage) ratio | 16.6117% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $103,984,250 | 3,753 |
| Average earning assets | $100,089,500 | 3,713 |
| Average equity | $15,846,250 | 3,263 |
| Average total loans | $69,186,500 | 3,591 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7471% | 483 |
| Cost of funding earning assets | 1.5418% | 3,191 |
| Net interest margin | 5.2053% | 263 |
| Noninterest income to average assets | 0.8200% | 829 |
| Noninterest expense to average assets | 2.5411% | 2,121 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 3.2488% | 131 |
| Return on assets (ROA) | 3.2488% | 133 |
| Pretax return on assets | 3.2488% | 177 |
| Return on Equity (ROE) | 21.5300% | 363 |
| Retained earnings to average equity (ytd only) | 6.8687% | 1,692 |
| Net charge-offs to loans | 0.0207% | 1,746 |
| Credit loss provision to net charge-offs | 257.1429% | 884 |
| Earnings coverage of net charge-offs (x) | 241.2857% | 442 |
| Efficiency ratio | 43.6248% | 4,257 |
| Assets per employee ($millions) | 6.3236% | 2,540 |
| Cash dividends to net income (ytd only)* | 68.1029% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 4,056 |
| Loan loss allowance to noncurrent loans | 35.2742% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 349 |
| Noncurrent loans to loans | 2.0933% | 352 |
| Net loans and leases to total assets | 69.2200% | 1,996 |
| Net loans and leases to deposits | 85.4558% | 1,706 |
| Net loans and leases to core deposits | 95.4586% | 1,769 |
| Total domestic deposits to total assets | 81.0000% | 3,285 |
| Equity capital to assets | 15.6587% | 507 |
| Core capital (leverage) ratio | 16.1326% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $102,869,667 | 3,784 |
| Average earning assets | $98,976,333 | 3,737 |
| Average equity | $15,519,667 | 3,268 |
| Average total loans | $67,650,000 | 3,624 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7081% | 465 |
| Cost of funding earning assets | 1.5059% | 3,179 |
| Net interest margin | 5.2022% | 258 |
| Noninterest income to average assets | 0.8600% | 718 |
| Noninterest expense to average assets | 2.4721% | 2,319 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 3.3360% | 136 |
| Return on assets (ROA) | 3.3360% | 135 |
| Pretax return on assets | 3.3360% | 168 |
| Return on Equity (ROE) | 22.5300% | 307 |
| Retained earnings to average equity (ytd only) | -0.7293% | 3,824 |
| Net charge-offs to loans | 0.0483% | 1,050 |
| Credit loss provision to net charge-offs | 112.5000% | 1,081 |
| Earnings coverage of net charge-offs (x) | 109.2500% | 639 |
| Efficiency ratio | 42.3102% | 4,285 |
| Assets per employee ($millions) | 7.3868% | 1,828 |
| Cash dividends to net income (ytd only)* | 103.2370% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 3,987 |
| Loan loss allowance to noncurrent loans | 29.8542% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 246 |
| Noncurrent loans to loans | 2.6090% | 211 |
| Net loans and leases to total assets | 63.0700% | 2,557 |
| Net loans and leases to deposits | 76.9227% | 2,342 |
| Net loans and leases to core deposits | 85.4978% | 2,342 |
| Total domestic deposits to total assets | 81.9900% | 3,178 |
| Equity capital to assets | 14.7899% | 567 |
| Core capital (leverage) ratio | 15.4633% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $103,716,000 | 3,798 |
| Average earning assets | $99,342,000 | 3,756 |
| Average equity | $15,358,000 | 3,290 |
| Average total loans | $66,196,000 | 3,653 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0644% | 585 |
| Cost of funding earning assets | 1.0241% | 3,243 |
| Net interest margin | 5.0403% | 301 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.5429% | 2,180 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 3.0962% | 147 |
| Return on assets (ROA) | 3.0962% | 144 |
| Pretax return on assets | 3.0962% | 188 |
| Return on Equity (ROE) | 23.2400% | 391 |
| Retained earnings to average equity (ytd only) | 10.2740% | 947 |
| Net charge-offs to loans | 0.0762% | 1,105 |
| Credit loss provision to net charge-offs | 90.0000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 1,122 |
| Efficiency ratio | 44.7627% | 4,231 |
| Assets per employee ($millions) | 6.9345% | 2,116 |
| Cash dividends to net income (ytd only)* | 55.7958% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,034 |
| Loan loss allowance to noncurrent loans | 29.4524% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6680% | 205 |
| Noncurrent loans to loans | 2.6028% | 182 |
| Net loans and leases to total assets | 63.5900% | 2,498 |
| Net loans and leases to deposits | 77.5881% | 2,308 |
| Net loans and leases to core deposits | 86.1906% | 2,297 |
| Total domestic deposits to total assets | 81.9600% | 3,134 |
| Equity capital to assets | 14.8255% | 572 |
| Core capital (leverage) ratio | 15.4158% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $107,552,400 | 3,757 |
| Average earning assets | $103,703,200 | 3,709 |
| Average equity | $14,327,400 | 3,314 |
| Average total loans | $65,639,400 | 3,616 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 644 |
| Cost of funding earning assets | 0.9164% | 3,231 |
| Net interest margin | 4.9362% | 335 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.3891% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.2104% | 155 |
| Return on assets (ROA) | 3.2104% | 154 |
| Pretax return on assets | 3.2104% | 196 |
| Return on Equity (ROE) | 24.7700% | 393 |
| Retained earnings to average equity (ytd only) | 9.6672% | 1,501 |
| Net charge-offs to loans | -0.0387% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.6377% | 4,290 |
| Assets per employee ($millions) | 6.0098% | 2,751 |
| Cash dividends to net income (ytd only)* | 60.9728% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 3,896 |
| Loan loss allowance to noncurrent loans | 29.0183% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8147% | 167 |
| Noncurrent loans to loans | 2.8971% | 147 |
| Net loans and leases to total assets | 62.1100% | 2,647 |
| Net loans and leases to deposits | 75.2886% | 2,476 |
| Net loans and leases to core deposits | 83.1688% | 2,381 |
| Total domestic deposits to total assets | 82.5000% | 3,120 |
| Equity capital to assets | 14.2729% | 608 |
| Core capital (leverage) ratio | 14.9630% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $108,436,250 | 3,771 |
| Average earning assets | $104,612,250 | 3,714 |
| Average equity | $14,054,000 | 3,330 |
| Average total loans | $65,384,750 | 3,627 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 751 |
| Cost of funding earning assets | 0.8212% | 3,153 |
| Net interest margin | 4.7585% | 424 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.3506% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.0834% | 143 |
| Return on assets (ROA) | 3.0834% | 142 |
| Pretax return on assets | 3.0834% | 189 |
| Return on Equity (ROE) | 24.5600% | 401 |
| Retained earnings to average equity (ytd only) | 5.1592% | 2,905 |
| Net charge-offs to loans | -0.0334% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.2567% | 4,290 |
| Assets per employee ($millions) | 6.4335% | 2,350 |
| Cash dividends to net income (ytd only)* | 78.9906% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 3,969 |
| Loan loss allowance to noncurrent loans | 15.9008% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 3.2136% | 58 |
| Noncurrent loans to loans | 5.1643% | 45 |
| Net loans and leases to total assets | 61.7200% | 2,604 |
| Net loans and leases to deposits | 74.2690% | 2,464 |
| Net loans and leases to core deposits | 81.3379% | 2,385 |
| Total domestic deposits to total assets | 83.1000% | 3,023 |
| Equity capital to assets | 13.7513% | 674 |
| Core capital (leverage) ratio | 14.2256% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4201% | 464 |
| Memoranda: | ||
| Average total assets | $110,526,333 | 3,763 |
| Average earning assets | $106,673,000 | 3,705 |
| Average equity | $13,878,000 | 3,368 |
| Average total loans | $65,848,000 | 3,625 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 753 |
| Cost of funding earning assets | 0.7637% | 2,861 |
| Net interest margin | 4.6151% | 497 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 2.2428% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0440% | 148 |
| Return on assets (ROA) | 3.0440% | 148 |
| Pretax return on assets | 3.0440% | 195 |
| Return on Equity (ROE) | 25.3300% | 390 |
| Retained earnings to average equity (ytd only) | -6.4049% | 4,384 |
| Net charge-offs to loans | -0.0539% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.4222% | 4,370 |
| Assets per employee ($millions) | 6.8157% | 2,110 |
| Cash dividends to net income (ytd only)* | 125.2874% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 4,089 |
| Loan loss allowance to noncurrent loans | 59.3891% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 587 |
| Noncurrent loans to loans | 1.3432% | 491 |
| Net loans and leases to total assets | 59.8700% | 2,668 |
| Net loans and leases to deposits | 70.8002% | 2,551 |
| Net loans and leases to core deposits | 77.5095% | 2,426 |
| Total domestic deposits to total assets | 84.5600% | 2,962 |
| Equity capital to assets | 12.5281% | 862 |
| Core capital (leverage) ratio | 12.4372% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $114,321,500 | 3,776 |
| Average earning assets | $110,507,500 | 3,715 |
| Average equity | $13,739,500 | 3,418 |
| Average total loans | $66,744,500 | 3,658 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 998 |
| Cost of funding earning assets | 0.4705% | 1,587 |
| Net interest margin | 3.8655% | 1,039 |
| Noninterest income to average assets | 1.1100% | 541 |
| Noninterest expense to average assets | 2.2773% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.5770% | 141 |
| Return on assets (ROA) | 2.5770% | 138 |
| Pretax return on assets | 2.5770% | 193 |
| Return on Equity (ROE) | 23.7100% | 255 |
| Retained earnings to average equity (ytd only) | 12.6700% | 561 |
| Net charge-offs to loans | 0.0489% | 1,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 87.9429% | 1,033 |
| Efficiency ratio | 46.9127% | 4,302 |
| Assets per employee ($millions) | 7.4745% | 1,634 |
| Cash dividends to net income (ytd only)* | 46.5562% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7624% | 4,111 |
| Loan loss allowance to noncurrent loans | 56.3319% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 618 |
| Noncurrent loans to loans | 1.3535% | 506 |
| Net loans and leases to total assets | 56.1600% | 3,012 |
| Net loans and leases to deposits | 65.4661% | 2,920 |
| Net loans and leases to core deposits | 70.5510% | 2,835 |
| Total domestic deposits to total assets | 85.7800% | 2,786 |
| Equity capital to assets | 11.5534% | 1,070 |
| Core capital (leverage) ratio | 12.2149% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2797% | 798 |
| Memoranda: | ||
| Average total assets | $119,439,800 | 3,736 |
| Average earning assets | $115,612,600 | 3,672 |
| Average equity | $12,983,400 | 3,572 |
| Average total loans | $71,574,400 | 3,554 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 1,030 |
| Cost of funding earning assets | 0.4128% | 1,207 |
| Net interest margin | 3.7064% | 1,121 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 2.2668% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.5672% | 144 |
| Return on assets (ROA) | 2.5672% | 142 |
| Pretax return on assets | 2.5672% | 194 |
| Return on Equity (ROE) | 23.9900% | 218 |
| Retained earnings to average equity (ytd only) | 11.6475% | 878 |
| Net charge-offs to loans | 0.0074% | 1,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 574.7500% | 276 |
| Efficiency ratio | 46.8930% | 4,335 |
| Assets per employee ($millions) | 6.9151% | 2,008 |
| Cash dividends to net income (ytd only)* | 51.4572% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 3,941 |
| Loan loss allowance to noncurrent loans | 104.5802% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 1,211 |
| Noncurrent loans to loans | 0.8328% | 943 |
| Net loans and leases to total assets | 53.0600% | 3,185 |
| Net loans and leases to deposits | 61.6480% | 3,048 |
| Net loans and leases to core deposits | 69.1060% | 2,714 |
| Total domestic deposits to total assets | 86.0700% | 3,055 |
| Equity capital to assets | 11.2015% | 1,100 |
| Core capital (leverage) ratio | 11.8807% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8888% | 740 |
| Memoranda: | ||
| Average total assets | $119,401,750 | 3,762 |
| Average earning assets | $115,617,000 | 3,702 |
| Average equity | $12,775,000 | 3,635 |
| Average total loans | $72,548,750 | 3,541 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 1,053 |
| Cost of funding earning assets | 0.3614% | 1,184 |
| Net interest margin | 3.5706% | 1,131 |
| Noninterest income to average assets | 1.2132% | 467 |
| Noninterest expense to average assets | 2.2913% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.3797% | 125 |
| Return on assets (ROA) | 2.3797% | 124 |
| Pretax return on assets | 2.3797% | 194 |
| Return on Equity (ROE) | 22.5878% | 180 |
| Retained earnings to average equity (ytd only) | 7.1180% | 1,948 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0546% | 4,307 |
| Assets per employee ($millions) | 6.9629% | 1,965 |
| Cash dividends to net income (ytd only)* | 68.4874% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,235 |
| Loan loss allowance to noncurrent loans | 188.0546% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 2,087 |
| Noncurrent loans to loans | 0.4053% | 1,914 |
| Net loans and leases to total assets | 60.6062% | 2,262 |
| Net loans and leases to deposits | 70.0528% | 2,194 |
| Net loans and leases to core deposits | 79.9213% | 1,724 |
| Total domestic deposits to total assets | 86.5151% | 3,105 |
| Equity capital to assets | 10.7849% | 1,318 |
| Core capital (leverage) ratio | 11.0775% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4008% | 1,099 |
| Memoranda: | ||
| Average total assets | $120,017,000 | 3,799 |
| Average earning assets | $116,225,667 | 3,746 |
| Average equity | $12,644,000 | 3,715 |
| Average total loans | $75,758,000 | 3,519 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 867 |
| Cost of funding earning assets | 0.3202% | 1,459 |
| Net interest margin | 3.6173% | 871 |
| Noninterest income to average assets | 1.1817% | 495 |
| Noninterest expense to average assets | 2.2641% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.4329% | 127 |
| Return on assets (ROA) | 2.4329% | 125 |
| Pretax return on assets | 2.4329% | 197 |
| Return on Equity (ROE) | 23.3649% | 113 |
| Retained earnings to average equity (ytd only) | -0.8583% | 4,127 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2030% | 4,391 |
| Assets per employee ($millions) | 6.3550% | 2,495 |
| Cash dividends to net income (ytd only)* | 103.6735% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 4,337 |
| Loan loss allowance to noncurrent loans | 93.8671% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,242 |
| Noncurrent loans to loans | 0.7785% | 1,224 |
| Net loans and leases to total assets | 61.9885% | 1,860 |
| Net loans and leases to deposits | 71.1557% | 1,848 |
| Net loans and leases to core deposits | 82.6420% | 1,320 |
| Total domestic deposits to total assets | 87.1167% | 2,885 |
| Equity capital to assets | 10.2886% | 1,694 |
| Core capital (leverage) ratio | 10.6219% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4843% | 1,998 |
| Memoranda: | ||
| Average total assets | $120,841,000 | 3,807 |
| Average earning assets | $117,435,500 | 3,752 |
| Average equity | $12,583,000 | 3,800 |
| Average total loans | $77,492,000 | 3,501 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 716 |
| Cost of funding earning assets | 0.4493% | 1,204 |
| Net interest margin | 3.9507% | 786 |
| Noninterest income to average assets | 1.3699% | 583 |
| Noninterest expense to average assets | 2.4195% | 2,428 |
| Loan and lease loss provision to assets | 0.0036% | 3,006 |
| Net operating income to assets | 2.7727% | 119 |
| Return on assets (ROA) | 2.7727% | 121 |
| Pretax return on assets | 2.7727% | 184 |
| Return on Equity (ROE) | 25.7259% | 108 |
| Retained earnings to average equity (ytd only) | 14.2481% | 287 |
| Net charge-offs to loans | -0.0028% | 3,420 |
| Credit loss provision to net charge-offs | -200.0000% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5662% | 4,473 |
| Assets per employee ($millions) | 6.3651% | 2,438 |
| Cash dividends to net income (ytd only)* | 44.6159% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 4,438 |
| Loan loss allowance to noncurrent loans | 834.8485% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,600 |
| Noncurrent loans to loans | 0.0829% | 3,516 |
| Net loans and leases to total assets | 65.3514% | 1,550 |
| Net loans and leases to deposits | 75.2404% | 1,626 |
| Net loans and leases to core deposits | 86.5803% | 1,164 |
| Total domestic deposits to total assets | 86.8568% | 2,570 |
| Equity capital to assets | 10.5369% | 2,137 |
| Core capital (leverage) ratio | 10.8930% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9884% | 1,846 |
| Memoranda: | ||
| Average total assets | $109,858,400 | 3,894 |
| Average earning assets | $106,387,000 | 3,840 |
| Average equity | $11,840,200 | 3,949 |
| Average total loans | $72,673,000 | 3,605 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 658 |
| Cost of funding earning assets | 0.4798% | 1,159 |
| Net interest margin | 4.0329% | 742 |
| Noninterest income to average assets | 1.4069% | 606 |
| Noninterest expense to average assets | 2.3980% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.9122% | 137 |
| Return on assets (ROA) | 2.9122% | 134 |
| Pretax return on assets | 2.9122% | 196 |
| Return on Equity (ROE) | 26.8508% | 131 |
| Retained earnings to average equity (ytd only) | 14.2232% | 483 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1583% | 4,536 |
| Assets per employee ($millions) | 6.0383% | 2,657 |
| Cash dividends to net income (ytd only)* | 47.0286% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 4,489 |
| Loan loss allowance to noncurrent loans | 156.4470% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 2,252 |
| Noncurrent loans to loans | 0.4519% | 2,206 |
| Net loans and leases to total assets | 66.8329% | 1,450 |
| Net loans and leases to deposits | 77.3037% | 1,547 |
| Net loans and leases to core deposits | 88.3598% | 1,133 |
| Total domestic deposits to total assets | 86.4549% | 2,579 |
| Equity capital to assets | 10.7628% | 2,206 |
| Core capital (leverage) ratio | 11.3216% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9524% | 1,989 |
| Memoranda: | ||
| Average total assets | $107,088,750 | 3,971 |
| Average earning assets | $103,644,250 | 3,917 |
| Average equity | $11,614,500 | 4,025 |
| Average total loans | $70,945,000 | 3,685 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 718 |
| Cost of funding earning assets | 0.5040% | 1,171 |
| Net interest margin | 4.0008% | 820 |
| Noninterest income to average assets | 1.3583% | 641 |
| Noninterest expense to average assets | 2.4507% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.7797% | 155 |
| Return on assets (ROA) | 2.7797% | 157 |
| Pretax return on assets | 2.7797% | 237 |
| Return on Equity (ROE) | 25.5585% | 173 |
| Retained earnings to average equity (ytd only) | 10.2902% | 1,314 |
| Net charge-offs to loans | -0.0029% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8544% | 4,475 |
| Assets per employee ($millions) | 5.6342% | 2,975 |
| Cash dividends to net income (ytd only)* | 59.7385% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 4,441 |
| Loan loss allowance to noncurrent loans | 151.9444% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 2,249 |
| Noncurrent loans to loans | 0.4975% | 2,185 |
| Net loans and leases to total assets | 67.0824% | 1,570 |
| Net loans and leases to deposits | 77.8912% | 1,640 |
| Net loans and leases to core deposits | 89.9865% | 1,142 |
| Total domestic deposits to total assets | 86.1232% | 2,699 |
| Equity capital to assets | 10.9427% | 2,029 |
| Core capital (leverage) ratio | 10.8506% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9496% | 1,990 |
| Memoranda: | ||
| Average total assets | $104,542,333 | 4,021 |
| Average earning assets | $101,181,000 | 3,962 |
| Average equity | $11,370,000 | 4,057 |
| Average total loans | $68,852,667 | 3,747 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 863 |
| Cost of funding earning assets | 0.5269% | 1,222 |
| Net interest margin | 3.9078% | 970 |
| Noninterest income to average assets | 1.1269% | 944 |
| Noninterest expense to average assets | 2.3778% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5404% | 249 |
| Return on assets (ROA) | 2.5404% | 271 |
| Pretax return on assets | 2.5404% | 407 |
| Return on Equity (ROE) | 23.4328% | 316 |
| Retained earnings to average equity (ytd only) | -0.5715% | 4,416 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3465% | 4,318 |
| Assets per employee ($millions) | 5.5982% | 3,023 |
| Cash dividends to net income (ytd only)* | 102.4390% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,414 |
| Loan loss allowance to noncurrent loans | 142.9319% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 2,363 |
| Noncurrent loans to loans | 0.5575% | 2,184 |
| Net loans and leases to total assets | 63.9082% | 2,057 |
| Net loans and leases to deposits | 73.8163% | 2,134 |
| Net loans and leases to core deposits | 84.8766% | 1,597 |
| Total domestic deposits to total assets | 86.5774% | 2,494 |
| Equity capital to assets | 10.4847% | 2,287 |
| Core capital (leverage) ratio | 10.7671% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,289,000 | 4,036 |
| Average earning assets | $100,209,000 | 3,977 |
| Average equity | $11,198,000 | 4,089 |
| Average total loans | $67,100,000 | 3,793 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 898 |
| Cost of funding earning assets | 0.7975% | 1,225 |
| Net interest margin | 3.9005% | 1,210 |
| Noninterest income to average assets | 1.3472% | 640 |
| Noninterest expense to average assets | 2.7430% | 2,110 |
| Loan and lease loss provision to assets | 0.0455% | 3,831 |
| Net operating income to assets | 2.3497% | 161 |
| Return on assets (ROA) | 2.3497% | 173 |
| Pretax return on assets | 2.3497% | 237 |
| Return on Equity (ROE) | 21.1281% | 182 |
| Retained earnings to average equity (ytd only) | 11.8857% | 329 |
| Net charge-offs to loans | 0.0016% | 3,356 |
| Credit loss provision to net charge-offs | 4,300.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 2,265.0000% | 41 |
| Efficiency ratio | 53.3855% | 4,271 |
| Assets per employee ($millions) | 5.5674% | 2,774 |
| Cash dividends to net income (ytd only)* | 43.7444% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,353 |
| Loan loss allowance to noncurrent loans | 138.5787% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 2,413 |
| Noncurrent loans to loans | 0.5999% | 2,194 |
| Net loans and leases to total assets | 64.9936% | 2,228 |
| Net loans and leases to deposits | 75.8920% | 2,293 |
| Net loans and leases to core deposits | 87.5795% | 1,738 |
| Total domestic deposits to total assets | 85.6396% | 2,518 |
| Equity capital to assets | 11.2201% | 2,083 |
| Core capital (leverage) ratio | 11.2076% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,567,000 | 4,060 |
| Average earning assets | $91,911,600 | 4,002 |
| Average equity | $10,516,800 | 4,147 |
| Average total loans | $62,904,400 | 3,869 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,021 |
| Cost of funding earning assets | 0.8625% | 1,199 |
| Net interest margin | 3.8556% | 1,465 |
| Noninterest income to average assets | 1.3597% | 600 |
| Noninterest expense to average assets | 2.6722% | 2,339 |
| Loan and lease loss provision to assets | 0.0118% | 4,159 |
| Net operating income to assets | 2.4188% | 158 |
| Return on assets (ROA) | 2.4188% | 167 |
| Pretax return on assets | 2.4188% | 240 |
| Return on Equity (ROE) | 21.8024% | 181 |
| Retained earnings to average equity (ytd only) | 11.6107% | 483 |
| Net charge-offs to loans | 0.0021% | 3,119 |
| Credit loss provision to net charge-offs | 800.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 1,698.0000% | 71 |
| Efficiency ratio | 52.3703% | 4,304 |
| Assets per employee ($millions) | 5.3579% | 2,829 |
| Cash dividends to net income (ytd only)* | 46.7456% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,430 |
| Loan loss allowance to noncurrent loans | 122.3022% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 2,447 |
| Noncurrent loans to loans | 0.6316% | 2,214 |
| Net loans and leases to total assets | 67.9299% | 2,255 |
| Net loans and leases to deposits | 79.5940% | 2,362 |
| Net loans and leases to core deposits | 91.8720% | 1,806 |
| Total domestic deposits to total assets | 85.3456% | 2,302 |
| Equity capital to assets | 11.3239% | 2,133 |
| Core capital (leverage) ratio | 11.2962% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2513% | 1,198 |
| Memoranda: | ||
| Average total assets | $93,155,500 | 4,077 |
| Average earning assets | $90,430,000 | 4,016 |
| Average equity | $10,335,000 | 4,179 |
| Average total loans | $62,211,000 | 3,896 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 1,298 |
| Cost of funding earning assets | 0.9508% | 1,145 |
| Net interest margin | 3.7921% | 1,857 |
| Noninterest income to average assets | 1.3556% | 561 |
| Noninterest expense to average assets | 2.7026% | 2,377 |
| Loan and lease loss provision to assets | 0.0174% | 4,018 |
| Net operating income to assets | 2.3094% | 185 |
| Return on assets (ROA) | 2.3094% | 205 |
| Pretax return on assets | 2.3094% | 300 |
| Return on Equity (ROE) | 20.9672% | 202 |
| Retained earnings to average equity (ytd only) | 8.9747% | 1,017 |
| Net charge-offs to loans | -0.0066% | 4,085 |
| Credit loss provision to net charge-offs | -400.0000% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7365% | 4,208 |
| Assets per employee ($millions) | 5.2474% | 2,890 |
| Cash dividends to net income (ytd only)* | 57.1966% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,278 |
| Loan loss allowance to noncurrent loans | 119.3023% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 2,498 |
| Noncurrent loans to loans | 0.6908% | 2,145 |
| Net loans and leases to total assets | 65.3616% | 2,713 |
| Net loans and leases to deposits | 76.4305% | 2,812 |
| Net loans and leases to core deposits | 87.7518% | 2,272 |
| Total domestic deposits to total assets | 85.5177% | 2,194 |
| Equity capital to assets | 11.1230% | 2,235 |
| Core capital (leverage) ratio | 10.8916% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,060,000 | 4,097 |
| Average earning assets | $89,185,333 | 4,038 |
| Average equity | $10,139,667 | 4,207 |
| Average total loans | $60,940,333 | 3,922 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,354 |
| Cost of funding earning assets | 1.0737% | 1,124 |
| Net interest margin | 3.7534% | 2,127 |
| Noninterest income to average assets | 1.3163% | 516 |
| Noninterest expense to average assets | 2.7822% | 2,480 |
| Loan and lease loss provision to assets | 0.0264% | 3,460 |
| Net operating income to assets | 2.1395% | 207 |
| Return on assets (ROA) | 2.1395% | 226 |
| Pretax return on assets | 2.1395% | 342 |
| Return on Equity (ROE) | 19.5249% | 190 |
| Retained earnings to average equity (ytd only) | 0.7633% | 3,800 |
| Net charge-offs to loans | -0.0066% | 3,942 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2278% | 4,192 |
| Assets per employee ($millions) | 5.1197% | 2,514 |
| Cash dividends to net income (ytd only)* | 96.0905% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,298 |
| Loan loss allowance to noncurrent loans | 103.2389% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,383 |
| Noncurrent loans to loans | 0.8168% | 1,970 |
| Net loans and leases to total assets | 65.0730% | 2,933 |
| Net loans and leases to deposits | 75.9964% | 3,077 |
| Net loans and leases to core deposits | 85.1685% | 2,744 |
| Total domestic deposits to total assets | 85.6264% | 2,156 |
| Equity capital to assets | 10.9511% | 2,902 |
| Core capital (leverage) ratio | 10.7566% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3405% | 1,267 |
| Memoranda: | ||
| Average total assets | $90,863,500 | 4,106 |
| Average earning assets | $87,920,000 | 4,054 |
| Average equity | $9,956,500 | 4,246 |
| Average total loans | $60,286,000 | 3,950 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 1,302 |
| Cost of funding earning assets | 1.1782% | 1,075 |
| Net interest margin | 3.8870% | 2,225 |
| Noninterest income to average assets | 1.3189% | 546 |
| Noninterest expense to average assets | 2.8596% | 2,416 |
| Loan and lease loss provision to assets | 0.0231% | 3,554 |
| Net operating income to assets | 2.2112% | 219 |
| Return on assets (ROA) | 2.2112% | 233 |
| Pretax return on assets | 2.2112% | 378 |
| Return on Equity (ROE) | 20.9300% | 168 |
| Retained earnings to average equity (ytd only) | 10.2845% | 445 |
| Net charge-offs to loans | 0.0067% | 3,436 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 483.2500% | 194 |
| Efficiency ratio | 56.1380% | 4,184 |
| Assets per employee ($millions) | 4.9762% | 2,638 |
| Cash dividends to net income (ytd only)* | 50.8625% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 4,195 |
| Loan loss allowance to noncurrent loans | 84.1137% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 1,920 |
| Noncurrent loans to loans | 0.9951% | 1,526 |
| Net loans and leases to total assets | 66.5286% | 2,893 |
| Net loans and leases to deposits | 77.8042% | 3,030 |
| Net loans and leases to core deposits | 87.1659% | 2,690 |
| Total domestic deposits to total assets | 85.5077% | 2,286 |
| Equity capital to assets | 10.9644% | 3,038 |
| Core capital (leverage) ratio | 11.1433% | 2,382 |
| Tier 1 risk-based capital ratio | 16.2839% | 2,300 |
| Total risk-based capital ratio | 17.1198% | 2,397 |
| Memoranda: | ||
| Average total assets | $86,514,400 | 4,194 |
| Average earning assets | $84,024,200 | 4,123 |
| Average equity | $9,140,000 | 4,356 |
| Average total loans | $59,943,800 | 3,984 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 1,338 |
| Cost of funding earning assets | 1.1892% | 1,062 |
| Net interest margin | 3.8877% | 2,302 |
| Noninterest income to average assets | 1.3792% | 484 |
| Noninterest expense to average assets | 2.8392% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3168% | 214 |
| Return on assets (ROA) | 2.3168% | 225 |
| Pretax return on assets | 2.3168% | 358 |
| Return on Equity (ROE) | 22.1480% | 159 |
| Retained earnings to average equity (ytd only) | 10.0632% | 732 |
| Net charge-offs to loans | 0.0045% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 744.0524% | 128 |
| Efficiency ratio | 55.0663% | 4,275 |
| Assets per employee ($millions) | 5.1224% | 2,423 |
| Cash dividends to net income (ytd only)* | 54.5635% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,375 |
| Loan loss allowance to noncurrent loans | 92.3954% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,188 |
| Noncurrent loans to loans | 0.8806% | 1,822 |
| Net loans and leases to total assets | 68.0367% | 2,785 |
| Net loans and leases to deposits | 79.6502% | 2,933 |
| Net loans and leases to core deposits | 88.7742% | 2,658 |
| Total domestic deposits to total assets | 85.4193% | 2,247 |
| Equity capital to assets | 10.9427% | 3,148 |
| Core capital (leverage) ratio | 10.9958% | 2,644 |
| Tier 1 risk-based capital ratio | 16.5962% | 2,230 |
| Total risk-based capital ratio | 17.4420% | 2,298 |
| Memoranda: | ||
| Average total assets | $85,750,000 | 4,259 |
| Average earning assets | $83,303,500 | 4,188 |
| Average equity | $8,969,750 | 4,427 |
| Average total loans | $59,906,250 | 4,031 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 1,470 |
| Cost of funding earning assets | 1.1521% | 1,128 |
| Net interest margin | 3.8539% | 2,395 |
| Noninterest income to average assets | 1.2637% | 543 |
| Noninterest expense to average assets | 2.8134% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1991% | 269 |
| Return on assets (ROA) | 2.1991% | 283 |
| Pretax return on assets | 2.1991% | 446 |
| Return on Equity (ROE) | 21.3586% | 191 |
| Retained earnings to average equity (ytd only) | 6.0569% | 2,255 |
| Net charge-offs to loans | 0.0033% | 3,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 938.0000% | 74 |
| Efficiency ratio | 56.1272% | 4,232 |
| Assets per employee ($millions) | 5.0196% | 2,453 |
| Cash dividends to net income (ytd only)* | 71.6418% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 4,429 |
| Loan loss allowance to noncurrent loans | 258.5106% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,693 |
| Noncurrent loans to loans | 0.3103% | 3,430 |
| Net loans and leases to total assets | 70.4300% | 2,468 |
| Net loans and leases to deposits | 82.2623% | 2,703 |
| Net loans and leases to core deposits | 90.6869% | 2,544 |
| Total domestic deposits to total assets | 85.6164% | 2,214 |
| Equity capital to assets | 10.6993% | 3,343 |
| Core capital (leverage) ratio | 10.7171% | 2,880 |
| Tier 1 risk-based capital ratio | 15.9270% | 2,442 |
| Total risk-based capital ratio | 16.7752% | 2,548 |
| Memoranda: | ||
| Average total assets | $85,306,330 | 4,293 |
| Average earning assets | $82,981,330 | 4,220 |
| Average equity | $8,783,330 | 4,469 |
| Average total loans | $59,964,000 | 4,052 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 1,135 |
| Cost of funding earning assets | 1.0895% | 1,220 |
| Net interest margin | 3.9915% | 1,870 |
| Noninterest income to average assets | 1.1115% | 660 |
| Noninterest expense to average assets | 2.8607% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1338% | 302 |
| Return on assets (ROA) | 2.1338% | 315 |
| Pretax return on assets | 2.1338% | 498 |
| Return on Equity (ROE) | 21.1382% | 205 |
| Retained earnings to average equity (ytd only) | -3.9489% | 4,864 |
| Net charge-offs to loans | 0.0067% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 169 |
| Efficiency ratio | 57.2770% | 4,174 |
| Assets per employee ($millions) | 5.2146% | 2,268 |
| Cash dividends to net income (ytd only)* | 118.6813% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 4,512 |
| Loan loss allowance to noncurrent loans | 265.5738% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,789 |
| Noncurrent loans to loans | 0.3023% | 3,478 |
| Net loans and leases to total assets | 67.7323% | 2,792 |
| Net loans and leases to deposits | 78.1345% | 3,042 |
| Net loans and leases to core deposits | 84.6823% | 2,974 |
| Total domestic deposits to total assets | 86.6868% | 1,969 |
| Equity capital to assets | 9.7700% | 4,031 |
| Core capital (leverage) ratio | 10.3726% | 3,194 |
| Tier 1 risk-based capital ratio | 16.3686% | 2,313 |
| Total risk-based capital ratio | 17.2749% | 2,376 |
| Memoranda: | ||
| Average total assets | $85,293,000 | 4,337 |
| Average earning assets | $82,976,000 | 4,263 |
| Average equity | $8,610,000 | 4,522 |
| Average total loans | $59,653,000 | 4,097 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 1,192 |
| Cost of funding earning assets | 0.7886% | 1,585 |
| Net interest margin | 4.1464% | 1,537 |
| Noninterest income to average assets | 1.0742% | 810 |
| Noninterest expense to average assets | 2.8883% | 2,400 |
| Loan and lease loss provision to assets | 0.0148% | 3,851 |
| Net operating income to assets | 2.1977% | 251 |
| Return on assets (ROA) | 2.1890% | 248 |
| Pretax return on assets | 2.1890% | 366 |
| Return on Equity (ROE) | 22.1565% | 152 |
| Retained earnings to average equity (ytd only) | 9.4368% | 748 |
| Net charge-offs to loans | 0.0065% | 3,457 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 448.5000% | 234 |
| Efficiency ratio | 56.6248% | 4,328 |
| Assets per employee ($millions) | 4.8198% | 2,712 |
| Cash dividends to net income (ytd only)* | 57.4085% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,438 |
| Loan loss allowance to noncurrent loans | 201.2397% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,393 |
| Noncurrent loans to loans | 0.4117% | 3,057 |
| Net loans and leases to total assets | 71.1388% | 2,403 |
| Net loans and leases to deposits | 82.9654% | 2,626 |
| Net loans and leases to core deposits | 90.3846% | 2,544 |
| Total domestic deposits to total assets | 85.7451% | 2,344 |
| Equity capital to assets | 10.4458% | 3,242 |
| Core capital (leverage) ratio | 10.8098% | 2,729 |
| Tier 1 risk-based capital ratio | 17.0894% | 2,034 |
| Total risk-based capital ratio | 18.0286% | 2,090 |
| Memoranda: | ||
| Average total assets | $81,086,000 | 4,412 |
| Average earning assets | $78,743,400 | 4,333 |
| Average equity | $8,011,200 | 4,604 |
| Average total loans | $61,241,400 | 4,063 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 1,122 |
| Cost of funding earning assets | 0.7282% | 1,696 |
| Net interest margin | 4.1895% | 1,383 |
| Noninterest income to average assets | 1.0518% | 859 |
| Noninterest expense to average assets | 2.8999% | 2,306 |
| Loan and lease loss provision to assets | 0.0198% | 3,611 |
| Net operating income to assets | 2.2009% | 265 |
| Return on assets (ROA) | 2.2009% | 261 |
| Pretax return on assets | 2.2009% | 397 |
| Return on Equity (ROE) | 22.6048% | 148 |
| Retained earnings to average equity (ytd only) | 7.6534% | 1,819 |
| Net charge-offs to loans | 0.0043% | 3,301 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 672.6442% | 130 |
| Efficiency ratio | 56.6323% | 4,294 |
| Assets per employee ($millions) | 4.6648% | 2,891 |
| Cash dividends to net income (ytd only)* | 66.1419% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,725 |
| Loan loss allowance to noncurrent loans | 338.8889% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 4,035 |
| Noncurrent loans to loans | 0.2254% | 3,898 |
| Net loans and leases to total assets | 79.9486% | 1,028 |
| Net loans and leases to deposits | 89.9584% | 1,904 |
| Net loans and leases to core deposits | 97.9604% | 1,936 |
| Total domestic deposits to total assets | 88.8728% | 886 |
| Equity capital to assets | 10.2533% | 3,399 |
| Core capital (leverage) ratio | 10.7424% | 2,846 |
| Tier 1 risk-based capital ratio | 16.3040% | 2,335 |
| Total risk-based capital ratio | 17.2339% | 2,392 |
| Memoranda: | ||
| Average total assets | $80,873,250 | 4,459 |
| Average earning assets | $78,544,000 | 4,385 |
| Average equity | $7,874,250 | 4,675 |
| Average total loans | $61,857,750 | 4,087 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 1,203 |
| Cost of funding earning assets | 0.6807% | 1,737 |
| Net interest margin | 4.1372% | 1,454 |
| Noninterest income to average assets | 0.9927% | 975 |
| Noninterest expense to average assets | 2.8502% | 2,503 |
| Loan and lease loss provision to assets | 0.0295% | 3,323 |
| Net operating income to assets | 2.1303% | 291 |
| Return on assets (ROA) | 2.1303% | 286 |
| Pretax return on assets | 2.1303% | 457 |
| Return on Equity (ROE) | 22.2631% | 151 |
| Retained earnings to average equity (ytd only) | 2.7989% | 4,134 |
| Net charge-offs to loans | 0.0065% | 2,904 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 439.5000% | 209 |
| Efficiency ratio | 56.8906% | 4,375 |
| Assets per employee ($millions) | 4.6395% | 2,903 |
| Cash dividends to net income (ytd only)* | 87.4279% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7770% | 4,760 |
| Loan loss allowance to noncurrent loans | 328.1879% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,037 |
| Noncurrent loans to loans | 0.2368% | 3,861 |
| Net loans and leases to total assets | 79.1723% | 1,136 |
| Net loans and leases to deposits | 90.2696% | 1,800 |
| Net loans and leases to core deposits | 100.5086% | 1,692 |
| Total domestic deposits to total assets | 87.7065% | 1,537 |
| Equity capital to assets | 9.9631% | 3,660 |
| Core capital (leverage) ratio | 10.3879% | 3,149 |
| Tier 1 risk-based capital ratio | 14.7370% | 3,002 |
| Total risk-based capital ratio | 15.6141% | 3,095 |
| Memoranda: | ||
| Average total assets | $81,397,330 | 4,490 |
| Average earning assets | $79,039,330 | 4,420 |
| Average equity | $7,788,670 | 4,731 |
| Average total loans | $61,181,000 | 4,133 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 1,228 |
| Cost of funding earning assets | 0.6683% | 1,614 |
| Net interest margin | 4.0646% | 1,526 |
| Noninterest income to average assets | 0.9727% | 972 |
| Noninterest expense to average assets | 2.7873% | 2,743 |
| Loan and lease loss provision to assets | 0.0290% | 3,131 |
| Net operating income to assets | 2.1002% | 294 |
| Return on assets (ROA) | 2.1002% | 295 |
| Pretax return on assets | 2.1002% | 466 |
| Return on Equity (ROE) | 22.3884% | 153 |
| Retained earnings to average equity (ytd only) | -10.2141% | 5,377 |
| Net charge-offs to loans | 0.0133% | 2,284 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 305 |
| Efficiency ratio | 56.6929% | 4,497 |
| Assets per employee ($millions) | 5.1544% | 2,296 |
| Cash dividends to net income (ytd only)* | 145.6221% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,756 |
| Loan loss allowance to noncurrent loans | 278.6127% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 4,044 |
| Noncurrent loans to loans | 0.2919% | 3,726 |
| Net loans and leases to total assets | 71.2723% | 2,285 |
| Net loans and leases to deposits | 78.5868% | 2,956 |
| Net loans and leases to core deposits | 85.8589% | 2,817 |
| Total domestic deposits to total assets | 90.6925% | 413 |
| Equity capital to assets | 9.1838% | 4,380 |
| Core capital (leverage) ratio | 9.5904% | 3,970 |
| Tier 1 risk-based capital ratio | 13.9502% | 3,404 |
| Total risk-based capital ratio | 14.8006% | 3,537 |
| Memoranda: | ||
| Average total assets | $82,660,500 | 4,521 |
| Average earning assets | $80,204,500 | 4,443 |
| Average equity | $7,754,000 | 4,787 |
| Average total loans | $60,305,000 | 4,189 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,167 |
| Cost of funding earning assets | 0.6258% | 1,429 |
| Net interest margin | 4.0872% | 1,490 |
| Noninterest income to average assets | 1.0436% | 933 |
| Noninterest expense to average assets | 2.8608% | 2,573 |
| Loan and lease loss provision to assets | 0.0037% | 4,174 |
| Net operating income to assets | 2.1403% | 216 |
| Return on assets (ROA) | 2.1403% | 219 |
| Pretax return on assets | 2.1403% | 356 |
| Return on Equity (ROE) | 22.9475% | 96 |
| Retained earnings to average equity (ytd only) | 8.7463% | 549 |
| Net charge-offs to loans | 0.0035% | 3,981 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 866.0000% | 97 |
| Efficiency ratio | 57.1605% | 4,627 |
| Assets per employee ($millions) | 5.1781% | 2,276 |
| Cash dividends to net income (ytd only)* | 61.8855% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,882 |
| Loan loss allowance to noncurrent loans | 297.5155% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 4,164 |
| Noncurrent loans to loans | 0.2624% | 3,847 |
| Net loans and leases to total assets | 73.4701% | 2,008 |
| Net loans and leases to deposits | 81.3444% | 2,779 |
| Net loans and leases to core deposits | 92.6061% | 2,317 |
| Total domestic deposits to total assets | 90.3199% | 460 |
| Equity capital to assets | 9.5763% | 4,162 |
| Core capital (leverage) ratio | 9.8312% | 3,659 |
| Tier 1 risk-based capital ratio | 13.8230% | 3,460 |
| Total risk-based capital ratio | 14.6383% | 3,604 |
| Memoranda: | ||
| Average total assets | $80,781,200 | 4,575 |
| Average earning assets | $78,294,000 | 4,489 |
| Average equity | $7,534,600 | 4,854 |
| Average total loans | $56,930,000 | 4,267 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 1,101 |
| Cost of funding earning assets | 0.6187% | 1,410 |
| Net interest margin | 4.0963% | 1,402 |
| Noninterest income to average assets | 1.0498% | 927 |
| Noninterest expense to average assets | 2.8937% | 2,431 |
| Loan and lease loss provision to assets | 0.0033% | 4,046 |
| Net operating income to assets | 2.1229% | 253 |
| Return on assets (ROA) | 2.1229% | 257 |
| Pretax return on assets | 2.1229% | 430 |
| Return on Equity (ROE) | 22.9189% | 109 |
| Retained earnings to average equity (ytd only) | 6.2049% | 2,104 |
| Net charge-offs to loans | 0.0024% | 3,672 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 1,283.1729% | 77 |
| Efficiency ratio | 57.6439% | 4,547 |
| Assets per employee ($millions) | 5.1819% | 2,243 |
| Cash dividends to net income (ytd only)* | 72.9266% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,792 |
| Loan loss allowance to noncurrent loans | 280.1170% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 4,256 |
| Noncurrent loans to loans | 0.2998% | 3,868 |
| Net loans and leases to total assets | 68.2177% | 2,809 |
| Net loans and leases to deposits | 75.3621% | 3,432 |
| Net loans and leases to core deposits | 85.7424% | 2,990 |
| Total domestic deposits to total assets | 90.5200% | 320 |
| Equity capital to assets | 9.3631% | 4,582 |
| Core capital (leverage) ratio | 9.6176% | 4,021 |
| Tier 1 risk-based capital ratio | 14.1750% | 3,363 |
| Total risk-based capital ratio | 15.0462% | 3,465 |
| Memoranda: | ||
| Average total assets | $80,264,000 | 4,629 |
| Average earning assets | $77,792,750 | 4,543 |
| Average equity | $7,434,750 | 4,919 |
| Average total loans | $55,825,250 | 4,332 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 875 |
| Cost of funding earning assets | 0.6109% | 1,381 |
| Net interest margin | 4.1803% | 1,119 |
| Noninterest income to average assets | 1.1186% | 802 |
| Noninterest expense to average assets | 2.9427% | 2,287 |
| Loan and lease loss provision to assets | 0.0302% | 3,396 |
| Net operating income to assets | 2.1970% | 212 |
| Return on assets (ROA) | 2.1970% | 216 |
| Pretax return on assets | 2.1970% | 356 |
| Return on Equity (ROE) | 23.8078% | 95 |
| Retained earnings to average equity (ytd only) | 3.1398% | 3,839 |
| Net charge-offs to loans | 0.0036% | 3,363 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 884.0000% | 81 |
| Efficiency ratio | 56.9201% | 4,720 |
| Assets per employee ($millions) | 5.0188% | 2,367 |
| Cash dividends to net income (ytd only)* | 86.8119% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,773 |
| Loan loss allowance to noncurrent loans | 157.1885% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,555 |
| Noncurrent loans to loans | 0.5499% | 3,096 |
| Net loans and leases to total assets | 70.2752% | 2,486 |
| Net loans and leases to deposits | 77.6388% | 3,150 |
| Net loans and leases to core deposits | 88.5623% | 2,653 |
| Total domestic deposits to total assets | 90.5156% | 352 |
| Equity capital to assets | 9.3798% | 4,537 |
| Core capital (leverage) ratio | 9.3464% | 4,304 |
| Tier 1 risk-based capital ratio | 13.7189% | 3,579 |
| Total risk-based capital ratio | 14.6115% | 3,689 |
| Memoranda: | ||
| Average total assets | $79,381,670 | 4,676 |
| Average earning assets | $76,932,670 | 4,593 |
| Average equity | $7,325,330 | 4,962 |
| Average total loans | $55,420,670 | 4,376 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 985 |
| Cost of funding earning assets | 0.5862% | 1,466 |
| Net interest margin | 4.0876% | 1,243 |
| Noninterest income to average assets | 1.0339% | 943 |
| Noninterest expense to average assets | 3.0308% | 2,078 |
| Loan and lease loss provision to assets | 0.0304% | 3,169 |
| Net operating income to assets | 1.9310% | 343 |
| Return on assets (ROA) | 1.9310% | 357 |
| Pretax return on assets | 1.9310% | 586 |
| Return on Equity (ROE) | 21.1022% | 187 |
| Retained earnings to average equity (ytd only) | -13.5143% | 5,646 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7107% | 4,361 |
| Assets per employee ($millions) | 5.0598% | 2,360 |
| Cash dividends to net income (ytd only)* | 164.0420% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,769 |
| Loan loss allowance to noncurrent loans | 239.9015% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 4,204 |
| Noncurrent loans to loans | 0.3735% | 3,754 |
| Net loans and leases to total assets | 66.5398% | 2,891 |
| Net loans and leases to deposits | 73.0285% | 3,511 |
| Net loans and leases to core deposits | 84.3876% | 2,862 |
| Total domestic deposits to total assets | 91.1149% | 271 |
| Equity capital to assets | 8.7900% | 5,007 |
| Core capital (leverage) ratio | 9.1377% | 4,559 |
| Tier 1 risk-based capital ratio | 14.1036% | 3,411 |
| Total risk-based capital ratio | 15.0571% | 3,509 |
| Memoranda: | ||
| Average total assets | $78,922,500 | 4,736 |
| Average earning assets | $76,425,500 | 4,643 |
| Average equity | $7,222,000 | 5,025 |
| Average total loans | $54,669,500 | 4,436 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 796 |
| Cost of funding earning assets | 0.5782% | 1,496 |
| Net interest margin | 4.2771% | 967 |
| Noninterest income to average assets | 1.1345% | 884 |
| Noninterest expense to average assets | 2.9452% | 2,514 |
| Loan and lease loss provision to assets | 0.0270% | 3,816 |
| Net operating income to assets | 2.2934% | 200 |
| Return on assets (ROA) | 2.2934% | 210 |
| Pretax return on assets | 2.2934% | 276 |
| Return on Equity (ROE) | 24.1245% | 89 |
| Retained earnings to average equity (ytd only) | 9.2600% | 532 |
| Net charge-offs to loans | 0.0056% | 4,061 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 572.0000% | 145 |
| Efficiency ratio | 55.9322% | 5,077 |
| Assets per employee ($millions) | 4.8056% | 2,643 |
| Cash dividends to net income (ytd only)* | 61.6156% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,887 |
| Loan loss allowance to noncurrent loans | 265.1934% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 4,363 |
| Noncurrent loans to loans | 0.3292% | 3,959 |
| Net loans and leases to total assets | 70.8866% | 2,350 |
| Net loans and leases to deposits | 78.4456% | 3,054 |
| Net loans and leases to core deposits | 92.2561% | 2,276 |
| Total domestic deposits to total assets | 90.3640% | 489 |
| Equity capital to assets | 9.5306% | 4,240 |
| Core capital (leverage) ratio | 9.5625% | 4,012 |
| Tier 1 risk-based capital ratio | 14.8860% | 3,017 |
| Total risk-based capital ratio | 15.8454% | 3,088 |
| Memoranda: | ||
| Average total assets | $73,951,000 | 4,849 |
| Average earning assets | $71,426,600 | 4,770 |
| Average equity | $7,030,200 | 5,084 |
| Average total loans | $53,862,600 | 4,462 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 763 |
| Cost of funding earning assets | 0.5883% | 1,426 |
| Net interest margin | 4.2879% | 949 |
| Noninterest income to average assets | 1.1709% | 839 |
| Noninterest expense to average assets | 2.9974% | 2,325 |
| Loan and lease loss provision to assets | 0.0146% | 3,956 |
| Net operating income to assets | 2.3000% | 210 |
| Return on assets (ROA) | 2.3000% | 223 |
| Pretax return on assets | 2.3000% | 318 |
| Return on Equity (ROE) | 24.2096% | 95 |
| Retained earnings to average equity (ytd only) | 7.5139% | 1,393 |
| Net charge-offs to loans | -0.0025% | 4,513 |
| Credit loss provision to net charge-offs | -800.0000% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4278% | 5,015 |
| Assets per employee ($millions) | 5.2233% | 2,121 |
| Cash dividends to net income (ytd only)* | 68.9624% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 5,095 |
| Loan loss allowance to noncurrent loans | 246.3542% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,119 |
| Noncurrent loans to loans | 0.3381% | 4,047 |
| Net loans and leases to total assets | 71.8851% | 2,214 |
| Net loans and leases to deposits | 79.4308% | 3,032 |
| Net loans and leases to core deposits | 93.7715% | 2,210 |
| Total domestic deposits to total assets | 90.5003% | 321 |
| Equity capital to assets | 9.3529% | 4,815 |
| Core capital (leverage) ratio | 9.6887% | 3,954 |
| Tier 1 risk-based capital ratio | 13.9524% | 3,583 |
| Total risk-based capital ratio | 14.8706% | 3,697 |
| Memoranda: | ||
| Average total assets | $73,216,500 | 4,905 |
| Average earning assets | $70,709,250 | 4,823 |
| Average equity | $6,955,750 | 5,147 |
| Average total loans | $53,582,250 | 4,501 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 788 |
| Cost of funding earning assets | 0.5730% | 1,526 |
| Net interest margin | 4.2833% | 957 |
| Noninterest income to average assets | 1.0908% | 944 |
| Noninterest expense to average assets | 3.0795% | 2,116 |
| Loan and lease loss provision to assets | 0.0140% | 3,830 |
| Net operating income to assets | 2.1369% | 252 |
| Return on assets (ROA) | 2.1369% | 268 |
| Pretax return on assets | 2.1369% | 433 |
| Return on Equity (ROE) | 22.3664% | 145 |
| Retained earnings to average equity (ytd only) | 0.9661% | 5,003 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8770% | 4,786 |
| Assets per employee ($millions) | 4.8361% | 2,507 |
| Cash dividends to net income (ytd only)* | 95.6806% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 5,139 |
| Loan loss allowance to noncurrent loans | 114.9510% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 3,332 |
| Noncurrent loans to loans | 0.7366% | 2,896 |
| Net loans and leases to total assets | 75.7092% | 1,534 |
| Net loans and leases to deposits | 83.9232% | 2,478 |
| Net loans and leases to core deposits | 100.2153% | 1,620 |
| Total domestic deposits to total assets | 90.2126% | 408 |
| Equity capital to assets | 9.6317% | 4,632 |
| Core capital (leverage) ratio | 9.6976% | 3,930 |
| Tier 1 risk-based capital ratio | 13.7578% | 3,746 |
| Total risk-based capital ratio | 14.7023% | 3,846 |
| Memoranda: | ||
| Average total assets | $71,505,330 | 4,993 |
| Average earning assets | $69,106,330 | 4,907 |
| Average equity | $6,831,670 | 5,227 |
| Average total loans | $52,511,330 | 4,572 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 711 |
| Cost of funding earning assets | 0.5645% | 1,586 |
| Net interest margin | 4.3239% | 881 |
| Noninterest income to average assets | 0.9917% | 1,093 |
| Noninterest expense to average assets | 3.1330% | 2,013 |
| Loan and lease loss provision to assets | 0.0113% | 3,542 |
| Net operating income to assets | 2.0342% | 309 |
| Return on assets (ROA) | 2.0342% | 325 |
| Pretax return on assets | 2.0342% | 525 |
| Return on Equity (ROE) | 21.3799% | 184 |
| Retained earnings to average equity (ytd only) | -15.3391% | 5,911 |
| Net charge-offs to loans | -0.0078% | 4,438 |
| Credit loss provision to net charge-offs | -200.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5005% | 4,680 |
| Assets per employee ($millions) | 5.0056% | 2,336 |
| Cash dividends to net income (ytd only)* | 171.7452% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 4,970 |
| Loan loss allowance to noncurrent loans | 252.4324% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 4,501 |
| Noncurrent loans to loans | 0.3665% | 4,122 |
| Net loans and leases to total assets | 71.3676% | 2,135 |
| Net loans and leases to deposits | 78.9197% | 2,904 |
| Net loans and leases to core deposits | 89.5440% | 2,414 |
| Total domestic deposits to total assets | 90.4307% | 450 |
| Equity capital to assets | 9.4752% | 4,686 |
| Core capital (leverage) ratio | 9.3894% | 4,363 |
| Tier 1 risk-based capital ratio | 14.5380% | 3,372 |
| Total risk-based capital ratio | 15.5766% | 3,412 |
| Memoranda: | ||
| Average total assets | $70,987,000 | 5,047 |
| Average earning assets | $68,733,500 | 4,960 |
| Average equity | $6,754,000 | 5,275 |
| Average total loans | $51,072,000 | 4,644 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 363 |
| Cost of funding earning assets | 0.5528% | 1,737 |
| Net interest margin | 4.7558% | 412 |
| Noninterest income to average assets | 1.0469% | 1,077 |
| Noninterest expense to average assets | 3.0710% | 2,320 |
| Loan and lease loss provision to assets | 0.0620% | 3,060 |
| Net operating income to assets | 2.4909% | 154 |
| Return on assets (ROA) | 2.4909% | 159 |
| Pretax return on assets | 2.4909% | 210 |
| Return on Equity (ROE) | 25.0257% | 104 |
| Retained earnings to average equity (ytd only) | 9.3496% | 572 |
| Net charge-offs to loans | 0.0280% | 3,666 |
| Credit loss provision to net charge-offs | 307.6923% | 962 |
| Earnings coverage of net charge-offs (x) | 126.6154% | 479 |
| Efficiency ratio | 54.6056% | 5,483 |
| Assets per employee ($millions) | 5.5305% | 1,762 |
| Cash dividends to net income (ytd only)* | 62.6401% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 5,089 |
| Loan loss allowance to noncurrent loans | 246.8085% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 4,543 |
| Noncurrent loans to loans | 0.3639% | 4,145 |
| Net loans and leases to total assets | 71.2140% | 2,168 |
| Net loans and leases to deposits | 78.8214% | 2,959 |
| Net loans and leases to core deposits | 89.1644% | 2,482 |
| Total domestic deposits to total assets | 90.3486% | 482 |
| Equity capital to assets | 9.5527% | 4,491 |
| Core capital (leverage) ratio | 9.8800% | 3,668 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,559 |
| Total risk-based capital ratio | 15.2567% | 3,638 |
| Memoranda: | ||
| Average total assets | $64,473,400 | 5,212 |
| Average earning assets | $62,051,200 | 5,127 |
| Average equity | $6,417,400 | 5,353 |
| Average total loans | $46,459,000 | 4,777 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 279 |
| Cost of funding earning assets | 0.5542% | 1,768 |
| Net interest margin | 4.9170% | 303 |
| Noninterest income to average assets | 1.0604% | 1,067 |
| Noninterest expense to average assets | 3.1598% | 2,060 |
| Loan and lease loss provision to assets | 0.0724% | 2,727 |
| Net operating income to assets | 2.5509% | 154 |
| Return on assets (ROA) | 2.5509% | 157 |
| Pretax return on assets | 2.5509% | 221 |
| Return on Equity (ROE) | 25.3347% | 113 |
| Retained earnings to average equity (ytd only) | 7.6131% | 1,410 |
| Net charge-offs to loans | 0.0207% | 3,526 |
| Credit loss provision to net charge-offs | 485.7143% | 668 |
| Earnings coverage of net charge-offs (x) | 176.0589% | 409 |
| Efficiency ratio | 54.6392% | 5,468 |
| Assets per employee ($millions) | 4.1941% | 3,528 |
| Cash dividends to net income (ytd only)* | 69.9504% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,956 |
| Loan loss allowance to noncurrent loans | 168.7273% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 4,131 |
| Noncurrent loans to loans | 0.5666% | 3,638 |
| Net loans and leases to total assets | 71.6370% | 2,115 |
| Net loans and leases to deposits | 79.6791% | 2,920 |
| Net loans and leases to core deposits | 88.1085% | 2,653 |
| Total domestic deposits to total assets | 89.9069% | 613 |
| Equity capital to assets | 9.9292% | 4,255 |
| Core capital (leverage) ratio | 10.3107% | 3,243 |
| Tier 1 risk-based capital ratio | 14.3445% | 3,658 |
| Total risk-based capital ratio | 15.3595% | 3,724 |
| Memoranda: | ||
| Average total assets | $62,617,750 | 5,325 |
| Average earning assets | $60,143,750 | 5,246 |
| Average equity | $6,304,750 | 5,440 |
| Average total loans | $45,157,750 | 4,873 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 358 |
| Cost of funding earning assets | 0.5594% | 1,743 |
| Net interest margin | 4.7518% | 400 |
| Noninterest income to average assets | 0.9751% | 1,236 |
| Noninterest expense to average assets | 3.1609% | 2,093 |
| Loan and lease loss provision to assets | 0.0393% | 3,334 |
| Net operating income to assets | 2.3330% | 212 |
| Return on assets (ROA) | 2.3330% | 222 |
| Pretax return on assets | 2.3330% | 321 |
| Return on Equity (ROE) | 23.0546% | 159 |
| Retained earnings to average equity (ytd only) | 0.0970% | 5,476 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1260% | 5,320 |
| Assets per employee ($millions) | 3.9081% | 4,051 |
| Cash dividends to net income (ytd only)* | 99.5792% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 5,145 |
| Loan loss allowance to noncurrent loans | 110.3194% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 3,460 |
| Noncurrent loans to loans | 0.8519% | 2,998 |
| Net loans and leases to total assets | 75.6853% | 1,411 |
| Net loans and leases to deposits | 84.2669% | 2,283 |
| Net loans and leases to core deposits | 93.9064% | 1,966 |
| Total domestic deposits to total assets | 89.8161% | 741 |
| Equity capital to assets | 9.9808% | 4,061 |
| Core capital (leverage) ratio | 10.0299% | 3,550 |
| Tier 1 risk-based capital ratio | 14.7257% | 3,516 |
| Total risk-based capital ratio | 15.7926% | 3,540 |
| Memoranda: | ||
| Average total assets | $61,122,000 | 5,416 |
| Average earning assets | $58,630,000 | 5,344 |
| Average equity | $6,185,330 | 5,507 |
| Average total loans | $44,031,670 | 4,947 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 386 |
| Cost of funding earning assets | 0.5606% | 1,745 |
| Net interest margin | 4.6785% | 427 |
| Noninterest income to average assets | 0.9335% | 1,289 |
| Noninterest expense to average assets | 3.1050% | 2,251 |
| Loan and lease loss provision to assets | 0.0397% | 3,115 |
| Net operating income to assets | 2.2642% | 208 |
| Return on assets (ROA) | 2.2642% | 219 |
| Pretax return on assets | 2.2642% | 344 |
| Return on Equity (ROE) | 22.2168% | 180 |
| Retained earnings to average equity (ytd only) | -16.3053% | 6,237 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4051% | 5,401 |
| Assets per employee ($millions) | 3.7829% | 4,372 |
| Cash dividends to net income (ytd only)* | 173.3918% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,929 |
| Loan loss allowance to noncurrent loans | 167.1698% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 4,286 |
| Noncurrent loans to loans | 0.6089% | 3,746 |
| Net loans and leases to total assets | 71.1765% | 1,950 |
| Net loans and leases to deposits | 79.2630% | 2,647 |
| Net loans and leases to core deposits | 88.5366% | 2,267 |
| Total domestic deposits to total assets | 89.7979% | 847 |
| Equity capital to assets | 10.0435% | 4,100 |
| Core capital (leverage) ratio | 9.7250% | 3,983 |
| Tier 1 risk-based capital ratio | 16.4443% | 2,710 |
| Total risk-based capital ratio | 17.6703% | 2,662 |
| Memoranda: | ||
| Average total assets | $60,418,000 | 5,492 |
| Average earning assets | $57,796,500 | 5,429 |
| Average equity | $6,157,500 | 5,562 |
| Average total loans | $42,160,000 | 5,063 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 446 |
| Cost of funding earning assets | 0.5312% | 2,379 |
| Net interest margin | 4.7695% | 454 |
| Noninterest income to average assets | 1.1551% | 904 |
| Noninterest expense to average assets | 3.1899% | 2,240 |
| Loan and lease loss provision to assets | 0.0346% | 3,897 |
| Net operating income to assets | 2.5024% | 143 |
| Return on assets (ROA) | 2.5024% | 147 |
| Pretax return on assets | 2.5024% | 188 |
| Return on Equity (ROE) | 25.2322% | 100 |
| Retained earnings to average equity (ytd only) | 11.0358% | 378 |
| Net charge-offs to loans | 0.0493% | 3,840 |
| Credit loss provision to net charge-offs | 105.2632% | 2,277 |
| Earnings coverage of net charge-offs (x) | 77.1053% | 650 |
| Efficiency ratio | 55.7000% | 5,697 |
| Assets per employee ($millions) | 4.0206% | 3,906 |
| Cash dividends to net income (ytd only)* | 56.2630% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 4,687 |
| Loan loss allowance to noncurrent loans | 200.4587% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 4,619 |
| Noncurrent loans to loans | 0.5344% | 4,060 |
| Net loans and leases to total assets | 66.9204% | 2,741 |
| Net loans and leases to deposits | 74.7541% | 3,342 |
| Net loans and leases to core deposits | 82.2746% | 3,071 |
| Total domestic deposits to total assets | 89.5206% | 967 |
| Equity capital to assets | 10.3401% | 3,676 |
| Core capital (leverage) ratio | 10.4789% | 2,974 |
| Tier 1 risk-based capital ratio | 17.5861% | 2,283 |
| Total risk-based capital ratio | 18.8268% | 2,257 |
| Memoranda: | ||
| Average total assets | $57,745,600 | 5,607 |
| Average earning assets | $55,351,200 | 5,538 |
| Average equity | $5,726,800 | 5,687 |
| Average total loans | $38,530,000 | 5,233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3390% | 420 |
| Cost of funding earning assets | 0.5368% | 2,402 |
| Net interest margin | 4.8022% | 423 |
| Noninterest income to average assets | 1.1954% | 840 |
| Noninterest expense to average assets | 3.2010% | 2,178 |
| Loan and lease loss provision to assets | 0.0467% | 3,452 |
| Net operating income to assets | 2.5426% | 136 |
| Return on assets (ROA) | 2.5426% | 137 |
| Pretax return on assets | 2.5426% | 195 |
| Return on Equity (ROE) | 25.9302% | 88 |
| Retained earnings to average equity (ytd only) | 9.7150% | 772 |
| Net charge-offs to loans | 0.0597% | 3,354 |
| Credit loss provision to net charge-offs | 117.6471% | 1,942 |
| Earnings coverage of net charge-offs (x) | 65.2241% | 814 |
| Efficiency ratio | 55.2823% | 5,719 |
| Assets per employee ($millions) | 3.9145% | 4,052 |
| Cash dividends to net income (ytd only)* | 62.5348% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 4,527 |
| Loan loss allowance to noncurrent loans | 205.1402% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 4,831 |
| Noncurrent loans to loans | 0.5586% | 4,244 |
| Net loans and leases to total assets | 64.5015% | 3,112 |
| Net loans and leases to deposits | 71.9860% | 3,686 |
| Net loans and leases to core deposits | 79.7683% | 3,336 |
| Total domestic deposits to total assets | 89.6028% | 929 |
| Equity capital to assets | 10.1741% | 3,963 |
| Core capital (leverage) ratio | 10.3328% | 3,242 |
| Tier 1 risk-based capital ratio | 17.9934% | 2,211 |
| Total risk-based capital ratio | 19.2464% | 2,169 |
| Memoranda: | ||
| Average total assets | $57,104,750 | 5,688 |
| Average earning assets | $54,640,250 | 5,624 |
| Average equity | $5,599,500 | 5,776 |
| Average total loans | $37,963,500 | 5,302 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 392 |
| Cost of funding earning assets | 0.5364% | 2,474 |
| Net interest margin | 4.8313% | 392 |
| Noninterest income to average assets | 1.1208% | 941 |
| Noninterest expense to average assets | 3.1856% | 2,237 |
| Loan and lease loss provision to assets | 0.0530% | 3,239 |
| Net operating income to assets | 2.4997% | 140 |
| Return on assets (ROA) | 2.4997% | 144 |
| Pretax return on assets | 2.4997% | 210 |
| Return on Equity (ROE) | 25.8280% | 95 |
| Retained earnings to average equity (ytd only) | 5.1510% | 2,861 |
| Net charge-offs to loans | 0.0476% | 3,300 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 80.2222% | 661 |
| Efficiency ratio | 55.5145% | 5,793 |
| Assets per employee ($millions) | 4.0983% | 3,648 |
| Cash dividends to net income (ytd only)* | 80.0566% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 4,596 |
| Loan loss allowance to noncurrent loans | 98.0044% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 3,606 |
| Noncurrent loans to loans | 1.1876% | 2,856 |
| Net loans and leases to total assets | 65.4176% | 2,848 |
| Net loans and leases to deposits | 72.8010% | 3,473 |
| Net loans and leases to core deposits | 79.8987% | 3,225 |
| Total domestic deposits to total assets | 89.8581% | 876 |
| Equity capital to assets | 9.9589% | 4,167 |
| Core capital (leverage) ratio | 10.0320% | 3,567 |
| Tier 1 risk-based capital ratio | 17.7805% | 2,317 |
| Total risk-based capital ratio | 19.0337% | 2,288 |
| Memoranda: | ||
| Average total assets | $56,567,000 | 5,747 |
| Average earning assets | $54,064,000 | 5,686 |
| Average equity | $5,474,670 | 5,842 |
| Average total loans | $37,847,000 | 5,343 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 353 |
| Cost of funding earning assets | 0.5279% | 2,630 |
| Net interest margin | 4.8630% | 340 |
| Noninterest income to average assets | 1.0042% | 1,121 |
| Noninterest expense to average assets | 2.9913% | 2,891 |
| Loan and lease loss provision to assets | 0.0356% | 3,346 |
| Net operating income to assets | 2.6352% | 134 |
| Return on assets (ROA) | 2.6352% | 139 |
| Pretax return on assets | 2.6352% | 194 |
| Return on Equity (ROE) | 27.6377% | 84 |
| Retained earnings to average equity (ytd only) | -5.1541% | 6,131 |
| Net charge-offs to loans | -0.0106% | 5,068 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8302% | 6,090 |
| Assets per employee ($millions) | 4.0648% | 3,794 |
| Cash dividends to net income (ytd only)* | 118.6486% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 4,952 |
| Loan loss allowance to noncurrent loans | 77.2329% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 3,258 |
| Noncurrent loans to loans | 1.4708% | 2,581 |
| Net loans and leases to total assets | 67.4469% | 2,309 |
| Net loans and leases to deposits | 74.5730% | 2,998 |
| Net loans and leases to core deposits | 82.2924% | 2,709 |
| Total domestic deposits to total assets | 90.4441% | 833 |
| Equity capital to assets | 9.4329% | 4,588 |
| Core capital (leverage) ratio | 9.9955% | 3,581 |
| Tier 1 risk-based capital ratio | 16.3061% | 3,005 |
| Total risk-based capital ratio | 17.5556% | 2,970 |
| Memoranda: | ||
| Average total assets | $56,162,500 | 5,807 |
| Average earning assets | $53,793,500 | 5,740 |
| Average equity | $5,355,000 | 5,913 |
| Average total loans | $37,782,500 | 5,398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4963% | 363 |
| Cost of funding earning assets | 0.5681% | 2,942 |
| Net interest margin | 4.9282% | 340 |
| Noninterest income to average assets | 1.0531% | 1,267 |
| Noninterest expense to average assets | 3.1574% | 2,558 |
| Loan and lease loss provision to assets | 0.1222% | 2,785 |
| Net operating income to assets | 2.4817% | 173 |
| Return on assets (ROA) | 2.4817% | 177 |
| Pretax return on assets | 2.4817% | 203 |
| Return on Equity (ROE) | 26.6839% | 104 |
| Retained earnings to average equity (ytd only) | 11.0909% | 407 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8035% | 6,070 |
| Assets per employee ($millions) | 3.9584% | 3,948 |
| Cash dividends to net income (ytd only)* | 58.4359% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,737 |
| Loan loss allowance to noncurrent loans | 166.0305% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 4,820 |
| Noncurrent loans to loans | 0.7131% | 4,180 |
| Net loans and leases to total assets | 65.5148% | 2,769 |
| Net loans and leases to deposits | 72.6576% | 3,432 |
| Net loans and leases to core deposits | 74.3904% | 3,798 |
| Total domestic deposits to total assets | 90.1693% | 991 |
| Equity capital to assets | 9.6395% | 4,233 |
| Core capital (leverage) ratio | 9.8852% | 3,723 |
| Tier 1 risk-based capital ratio | 16.9739% | 2,621 |
| Total risk-based capital ratio | 18.2251% | 2,584 |
| Memoranda: | ||
| Average total assets | $55,646,400 | 5,885 |
| Average earning assets | $53,163,200 | 5,802 |
| Average equity | $5,175,400 | 6,028 |
| Average total loans | $35,558,400 | 5,513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 347 |
| Cost of funding earning assets | 0.5842% | 2,958 |
| Net interest margin | 4.9493% | 346 |
| Noninterest income to average assets | 1.0651% | 1,289 |
| Noninterest expense to average assets | 3.0925% | 2,680 |
| Loan and lease loss provision to assets | 0.1029% | 3,049 |
| Net operating income to assets | 2.5946% | 158 |
| Return on assets (ROA) | 2.5946% | 164 |
| Pretax return on assets | 2.5946% | 222 |
| Return on Equity (ROE) | 28.1529% | 86 |
| Retained earnings to average equity (ytd only) | 10.6223% | 658 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4105% | 6,153 |
| Assets per employee ($millions) | 4.0658% | 3,707 |
| Cash dividends to net income (ytd only)* | 62.2694% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,308 |
| Loan loss allowance to noncurrent loans | 153.9326% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 5,022 |
| Noncurrent loans to loans | 0.7177% | 4,416 |
| Net loans and leases to total assets | 64.6352% | 2,895 |
| Net loans and leases to deposits | 71.3419% | 3,591 |
| Net loans and leases to core deposits | 72.9864% | 3,973 |
| Total domestic deposits to total assets | 90.5993% | 704 |
| Equity capital to assets | 9.2251% | 4,904 |
| Core capital (leverage) ratio | 9.7324% | 4,060 |
| Tier 1 risk-based capital ratio | 16.2333% | 3,068 |
| Total risk-based capital ratio | 17.4702% | 3,036 |
| Memoranda: | ||
| Average total assets | $55,703,500 | 5,949 |
| Average earning assets | $53,178,250 | 5,859 |
| Average equity | $5,133,750 | 6,105 |
| Average total loans | $35,262,500 | 5,573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5425% | 354 |
| Cost of funding earning assets | 0.6099% | 2,844 |
| Net interest margin | 4.9325% | 345 |
| Noninterest income to average assets | 1.0742% | 1,329 |
| Noninterest expense to average assets | 3.1611% | 2,478 |
| Loan and lease loss provision to assets | 0.1013% | 3,104 |
| Net operating income to assets | 2.5209% | 166 |
| Return on assets (ROA) | 2.5209% | 179 |
| Pretax return on assets | 2.5209% | 267 |
| Return on Equity (ROE) | 27.3619% | 93 |
| Retained earnings to average equity (ytd only) | 5.9278% | 2,478 |
| Net charge-offs to loans | 0.0058% | 4,779 |
| Credit loss provision to net charge-offs | 2,800.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 725.0000% | 54 |
| Efficiency ratio | 54.6592% | 6,089 |
| Assets per employee ($millions) | 3.9014% | 4,011 |
| Cash dividends to net income (ytd only)* | 78.3357% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,515 |
| Loan loss allowance to noncurrent loans | 129.1803% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 4,850 |
| Noncurrent loans to loans | 0.8373% | 4,243 |
| Net loans and leases to total assets | 65.9734% | 2,602 |
| Net loans and leases to deposits | 72.7254% | 3,354 |
| Net loans and leases to core deposits | 74.0846% | 3,801 |
| Total domestic deposits to total assets | 90.7157% | 658 |
| Equity capital to assets | 9.0115% | 5,201 |
| Core capital (leverage) ratio | 9.1678% | 4,736 |
| Tier 1 risk-based capital ratio | 15.8422% | 3,293 |
| Total risk-based capital ratio | 17.0573% | 3,263 |
| Memoranda: | ||
| Average total assets | $55,297,670 | 5,989 |
| Average earning assets | $52,792,330 | 5,908 |
| Average equity | $5,094,670 | 6,157 |
| Average total loans | $34,616,000 | 5,633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 488 |
| Cost of funding earning assets | 0.6399% | 2,745 |
| Net interest margin | 4.6829% | 486 |
| Noninterest income to average assets | 1.1287% | 1,174 |
| Noninterest expense to average assets | 3.2712% | 2,160 |
| Loan and lease loss provision to assets | 0.1294% | 2,627 |
| Net operating income to assets | 2.2000% | 246 |
| Return on assets (ROA) | 2.2000% | 267 |
| Pretax return on assets | 2.2000% | 425 |
| Return on Equity (ROE) | 23.6248% | 149 |
| Retained earnings to average equity (ytd only) | -10.2683% | 6,627 |
| Net charge-offs to loans | -0.0119% | 5,502 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4082% | 5,797 |
| Assets per employee ($millions) | 3.6918% | 4,578 |
| Cash dividends to net income (ytd only)* | 143.4641% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,449 |
| Loan loss allowance to noncurrent loans | 62.5608% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2207% | 3,529 |
| Noncurrent loans to loans | 1.8196% | 2,840 |
| Net loans and leases to total assets | 60.5342% | 3,338 |
| Net loans and leases to deposits | 66.7676% | 3,942 |
| Net loans and leases to core deposits | 69.0478% | 4,179 |
| Total domestic deposits to total assets | 90.6640% | 687 |
| Equity capital to assets | 9.1897% | 5,266 |
| Core capital (leverage) ratio | 8.6601% | 5,378 |
| Tier 1 risk-based capital ratio | 15.5489% | 3,504 |
| Total risk-based capital ratio | 16.7852% | 3,466 |
| Memoranda: | ||
| Average total assets | $55,637,000 | 6,030 |
| Average earning assets | $53,130,000 | 5,939 |
| Average equity | $5,181,000 | 6,190 |
| Average total loans | $33,710,000 | 5,716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6300% | 483 |
| Cost of funding earning assets | 0.7554% | 3,048 |
| Net interest margin | 4.8746% | 472 |
| Noninterest income to average assets | 1.2231% | 1,043 |
| Noninterest expense to average assets | 3.3580% | 2,159 |
| Loan and lease loss provision to assets | 0.1750% | 3,431 |
| Net operating income to assets | 2.3376% | 196 |
| Return on assets (ROA) | 2.3799% | 200 |
| Pretax return on assets | 2.3799% | 300 |
| Return on Equity (ROE) | 26.1803% | 99 |
| Retained earnings to average equity (ytd only) | 10.9828% | 442 |
| Net charge-offs to loans | 0.1875% | 3,879 |
| Credit loss provision to net charge-offs | 153.2258% | 1,771 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,278 |
| Efficiency ratio | 57.2011% | 5,935 |
| Assets per employee ($millions) | 3.7265% | 4,512 |
| Cash dividends to net income (ytd only)* | 58.0495% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,562 |
| Loan loss allowance to noncurrent loans | 46.8790% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.5099% | 3,121 |
| Noncurrent loans to loans | 2.3424% | 2,294 |
| Net loans and leases to total assets | 59.2948% | 3,727 |
| Net loans and leases to deposits | 65.5901% | 4,346 |
| Net loans and leases to core deposits | 67.8083% | 4,559 |
| Total domestic deposits to total assets | 90.4020% | 750 |
| Equity capital to assets | 9.4334% | 4,959 |
| Core capital (leverage) ratio | 8.9143% | 5,026 |
| Tier 1 risk-based capital ratio | 15.8571% | 3,239 |
| Total risk-based capital ratio | 17.0270% | 3,237 |
| Memoranda: | ||
| Average total assets | $54,287,600 | 6,073 |
| Average earning assets | $51,758,600 | 5,988 |
| Average equity | $4,935,000 | 6,308 |
| Average total loans | $33,070,000 | 5,799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7070% | 458 |
| Cost of funding earning assets | 0.7782% | 3,131 |
| Net interest margin | 4.9288% | 449 |
| Noninterest income to average assets | 1.2001% | 1,052 |
| Noninterest expense to average assets | 3.3354% | 2,172 |
| Loan and lease loss provision to assets | 0.1361% | 3,847 |
| Net operating income to assets | 2.4298% | 201 |
| Return on assets (ROA) | 2.4298% | 217 |
| Pretax return on assets | 2.4298% | 328 |
| Return on Equity (ROE) | 26.9931% | 110 |
| Retained earnings to average equity (ytd only) | 10.3354% | 831 |
| Net charge-offs to loans | 0.0850% | 4,537 |
| Credit loss provision to net charge-offs | 261.9048% | 1,054 |
| Earnings coverage of net charge-offs (x) | 49.3796% | 763 |
| Efficiency ratio | 56.5199% | 5,993 |
| Assets per employee ($millions) | 3.9435% | 3,990 |
| Cash dividends to net income (ytd only)* | 61.7108% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,815 |
| Loan loss allowance to noncurrent loans | 41.1633% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 3,159 |
| Noncurrent loans to loans | 2.6143% | 2,180 |
| Net loans and leases to total assets | 61.2726% | 3,519 |
| Net loans and leases to deposits | 67.7590% | 4,221 |
| Net loans and leases to core deposits | 71.3235% | 4,333 |
| Total domestic deposits to total assets | 90.4273% | 620 |
| Equity capital to assets | 9.4387% | 5,278 |
| Core capital (leverage) ratio | 8.6697% | 5,523 |
| Tier 1 risk-based capital ratio | 15.0188% | 3,840 |
| Total risk-based capital ratio | 16.1633% | 3,868 |
| Memoranda: | ||
| Average total assets | $53,885,250 | 6,159 |
| Average earning assets | $51,397,500 | 6,073 |
| Average equity | $4,850,500 | 6,409 |
| Average total loans | $32,959,500 | 5,877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 495 |
| Cost of funding earning assets | 0.8103% | 3,109 |
| Net interest margin | 4.8777% | 491 |
| Noninterest income to average assets | 1.0553% | 1,299 |
| Noninterest expense to average assets | 3.3755% | 2,091 |
| Loan and lease loss provision to assets | 0.1684% | 3,421 |
| Net operating income to assets | 2.1518% | 305 |
| Return on assets (ROA) | 2.1518% | 343 |
| Pretax return on assets | 2.1518% | 522 |
| Return on Equity (ROE) | 24.3112% | 170 |
| Retained earnings to average equity (ytd only) | 2.8328% | 4,741 |
| Net charge-offs to loans | 0.0246% | 5,044 |
| Credit loss provision to net charge-offs | 1,125.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 290 |
| Efficiency ratio | 59.2641% | 5,701 |
| Assets per employee ($millions) | 4.0400% | 3,788 |
| Cash dividends to net income (ytd only)* | 88.3478% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,794 |
| Loan loss allowance to noncurrent loans | 83.1486% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 4,806 |
| Noncurrent loans to loans | 1.3174% | 3,946 |
| Net loans and leases to total assets | 59.8656% | 3,849 |
| Net loans and leases to deposits | 65.5554% | 4,562 |
| Net loans and leases to core deposits | 69.7943% | 4,551 |
| Total domestic deposits to total assets | 91.3207% | 351 |
| Equity capital to assets | 8.5661% | 6,147 |
| Core capital (leverage) ratio | 8.2909% | 5,922 |
| Tier 1 risk-based capital ratio | 14.0926% | 4,373 |
| Total risk-based capital ratio | 15.2631% | 4,399 |
| Memoranda: | ||
| Average total assets | $53,444,000 | 6,211 |
| Average earning assets | $50,843,330 | 6,123 |
| Average equity | $4,730,330 | 6,475 |
| Average total loans | $32,547,330 | 5,936 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 324 |
| Cost of funding earning assets | 0.8367% | 3,175 |
| Net interest margin | 5.1261% | 329 |
| Noninterest income to average assets | 1.0485% | 1,311 |
| Noninterest expense to average assets | 3.5231% | 1,709 |
| Loan and lease loss provision to assets | 0.1927% | 3,021 |
| Net operating income to assets | 2.1971% | 297 |
| Return on assets (ROA) | 2.1971% | 351 |
| Pretax return on assets | 2.1971% | 541 |
| Return on Equity (ROE) | 24.3955% | 203 |
| Retained earnings to average equity (ytd only) | -10.5286% | 6,856 |
| Net charge-offs to loans | 0.0126% | 4,526 |
| Credit loss provision to net charge-offs | 2,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 310.0000% | 105 |
| Efficiency ratio | 59.5828% | 5,685 |
| Assets per employee ($millions) | 3.7712% | 4,490 |
| Cash dividends to net income (ytd only)* | 143.1579% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,906 |
| Loan loss allowance to noncurrent loans | 183.0769% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 5,958 |
| Noncurrent loans to loans | 0.6009% | 5,459 |
| Net loans and leases to total assets | 60.7932% | 3,494 |
| Net loans and leases to deposits | 66.6480% | 4,283 |
| Net loans and leases to core deposits | 70.8950% | 4,311 |
| Total domestic deposits to total assets | 91.2154% | 470 |
| Equity capital to assets | 8.6823% | 5,898 |
| Core capital (leverage) ratio | 8.2740% | 5,915 |
| Tier 1 risk-based capital ratio | 14.2706% | 4,264 |
| Total risk-based capital ratio | 15.4488% | 4,294 |
| Memoranda: | ||
| Average total assets | $51,886,000 | 6,304 |
| Average earning assets | $49,238,500 | 6,233 |
| Average equity | $4,673,000 | 6,524 |
| Average total loans | $31,703,500 | 6,027 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4297% | 199 |
| Cost of funding earning assets | 0.9222% | 3,944 |
| Net interest margin | 5.5074% | 174 |
| Noninterest income to average assets | 1.2059% | 911 |
| Noninterest expense to average assets | 3.6737% | 1,586 |
| Loan and lease loss provision to assets | 0.1741% | 4,459 |
| Net operating income to assets | 2.3903% | 160 |
| Return on assets (ROA) | 2.3903% | 168 |
| Pretax return on assets | 2.3903% | 257 |
| Return on Equity (ROE) | 24.8892% | 106 |
| Retained earnings to average equity (ytd only) | 8.5948% | 903 |
| Net charge-offs to loans | 0.2980% | 3,917 |
| Credit loss provision to net charge-offs | 93.1034% | 3,872 |
| Earnings coverage of net charge-offs (x) | 13.7126% | 1,518 |
| Efficiency ratio | 58.8904% | 5,918 |
| Assets per employee ($millions) | 3.3983% | 5,251 |
| Cash dividends to net income (ytd only)* | 65.4676% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 5,888 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 6,154 |
| Noncurrent loans to loans | 0.5395% | 5,637 |
| Net loans and leases to total assets | 60.0667% | 3,976 |
| Net loans and leases to deposits | 66.3596% | 4,689 |
| Net loans and leases to core deposits | 69.9671% | 4,778 |
| Total domestic deposits to total assets | 90.5169% | 710 |
| Equity capital to assets | 9.3418% | 5,100 |
| Core capital (leverage) ratio | 8.9284% | 4,894 |
| Tier 1 risk-based capital ratio | 15.6973% | 3,215 |
| Total risk-based capital ratio | 16.8768% | 3,206 |
| Memoranda: | ||
| Average total assets | $46,520,400 | 6,468 |
| Average earning assets | $42,506,200 | 6,443 |
| Average equity | $4,467,800 | 6,607 |
| Average total loans | $29,190,400 | 6,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5975% | 167 |
| Cost of funding earning assets | 0.9240% | 4,241 |
| Net interest margin | 5.6736% | 139 |
| Noninterest income to average assets | 1.1804% | 947 |
| Noninterest expense to average assets | 3.7527% | 1,394 |
| Loan and lease loss provision to assets | 0.1057% | 5,121 |
| Net operating income to assets | 2.4607% | 166 |
| Return on assets (ROA) | 2.4607% | 173 |
| Pretax return on assets | 2.4607% | 264 |
| Return on Equity (ROE) | 25.4266% | 120 |
| Retained earnings to average equity (ytd only) | 7.0394% | 1,949 |
| Net charge-offs to loans | 0.3246% | 3,472 |
| Credit loss provision to net charge-offs | 51.4286% | 5,003 |
| Earnings coverage of net charge-offs (x) | 12.4858% | 1,703 |
| Efficiency ratio | 59.3866% | 5,808 |
| Assets per employee ($millions) | 3.0244% | 6,057 |
| Cash dividends to net income (ytd only)* | 72.3148% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,236 |
| Loan loss allowance to noncurrent loans | 93.8650% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 5,455 |
| Noncurrent loans to loans | 1.0713% | 4,772 |
| Net loans and leases to total assets | 62.2492% | 3,656 |
| Net loans and leases to deposits | 69.0245% | 4,448 |
| Net loans and leases to core deposits | 70.8726% | 4,848 |
| Total domestic deposits to total assets | 90.1841% | 771 |
| Equity capital to assets | 9.6237% | 4,900 |
| Core capital (leverage) ratio | 9.2679% | 4,510 |
| Tier 1 risk-based capital ratio | 15.5133% | 3,378 |
| Total risk-based capital ratio | 16.6185% | 3,421 |
| Memoranda: | ||
| Average total assets | $45,406,750 | 6,550 |
| Average earning assets | $41,125,500 | 6,541 |
| Average equity | $4,394,250 | 6,679 |
| Average total loans | $28,749,750 | 6,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7415% | 153 |
| Cost of funding earning assets | 0.9674% | 4,194 |
| Net interest margin | 5.7741% | 116 |
| Noninterest income to average assets | 1.1393% | 999 |
| Noninterest expense to average assets | 3.8458% | 1,283 |
| Loan and lease loss provision to assets | 0.0811% | 5,295 |
| Net operating income to assets | 2.3462% | 206 |
| Return on assets (ROA) | 2.3462% | 220 |
| Pretax return on assets | 2.3462% | 319 |
| Return on Equity (ROE) | 24.1950% | 154 |
| Retained earnings to average equity (ytd only) | 1.3932% | 5,295 |
| Net charge-offs to loans | 0.3335% | 3,229 |
| Credit loss provision to net charge-offs | 38.2979% | 4,846 |
| Earnings coverage of net charge-offs (x) | 11.4681% | 1,714 |
| Efficiency ratio | 61.3065% | 5,686 |
| Assets per employee ($millions) | 3.0311% | 6,016 |
| Cash dividends to net income (ytd only)* | 94.2418% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 6,122 |
| Loan loss allowance to noncurrent loans | 100.9740% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 5,546 |
| Noncurrent loans to loans | 1.0443% | 4,910 |
| Net loans and leases to total assets | 64.1828% | 3,421 |
| Net loans and leases to deposits | 71.2434% | 4,248 |
| Net loans and leases to core deposits | 72.0970% | 4,808 |
| Total domestic deposits to total assets | 90.0895% | 927 |
| Equity capital to assets | 9.7433% | 4,473 |
| Core capital (leverage) ratio | 9.0937% | 4,578 |
| Tier 1 risk-based capital ratio | 15.4517% | 3,277 |
| Total risk-based capital ratio | 16.6264% | 3,264 |
| Memoranda: | ||
| Average total assets | $44,412,000 | 6,632 |
| Average earning assets | $39,487,000 | 6,659 |
| Average equity | $4,306,670 | 6,742 |
| Average total loans | $28,190,000 | 6,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9193% | 123 |
| Cost of funding earning assets | 1.0036% | 4,178 |
| Net interest margin | 5.9158% | 105 |
| Noninterest income to average assets | 1.1302% | 1,022 |
| Noninterest expense to average assets | 3.9376% | 1,124 |
| Loan and lease loss provision to assets | 0.0911% | 4,870 |
| Net operating income to assets | 2.2058% | 259 |
| Return on assets (ROA) | 2.2058% | 273 |
| Pretax return on assets | 2.2058% | 400 |
| Return on Equity (ROE) | 22.8033% | 221 |
| Retained earnings to average equity (ytd only) | -14.8881% | 7,040 |
| Net charge-offs to loans | 0.0436% | 4,508 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 365 |
| Efficiency ratio | 63.1579% | 5,490 |
| Assets per employee ($millions) | 2.9793% | 6,181 |
| Cash dividends to net income (ytd only)* | 165.2893% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,434 |
| Loan loss allowance to noncurrent loans | 143.9834% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 5,886 |
| Noncurrent loans to loans | 0.8630% | 5,313 |
| Net loans and leases to total assets | 61.7109% | 3,919 |
| Net loans and leases to deposits | 68.1527% | 4,661 |
| Net loans and leases to core deposits | 69.5308% | 5,108 |
| Total domestic deposits to total assets | 90.5480% | 819 |
| Equity capital to assets | 9.3088% | 4,712 |
| Core capital (leverage) ratio | 8.7995% | 4,931 |
| Tier 1 risk-based capital ratio | 16.2484% | 2,785 |
| Total risk-based capital ratio | 17.5011% | 2,746 |
| Memoranda: | ||
| Average total assets | $43,884,500 | 6,698 |
| Average earning assets | $37,865,000 | 6,766 |
| Average equity | $4,245,000 | 6,793 |
| Average total loans | $27,538,500 | 6,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7003% | 232 |
| Cost of funding earning assets | 1.0446% | 5,458 |
| Net interest margin | 5.6556% | 137 |
| Noninterest income to average assets | 1.3641% | 791 |
| Noninterest expense to average assets | 3.9219% | 1,278 |
| Loan and lease loss provision to assets | 0.1421% | 5,762 |
| Net operating income to assets | 2.3778% | 137 |
| Return on assets (ROA) | 2.3778% | 143 |
| Pretax return on assets | 2.3778% | 220 |
| Return on Equity (ROE) | 24.4663% | 110 |
| Retained earnings to average equity (ytd only) | 11.6239% | 310 |
| Net charge-offs to loans | 0.0673% | 6,124 |
| Credit loss provision to net charge-offs | 333.3333% | 768 |
| Earnings coverage of net charge-offs (x) | 59.1111% | 398 |
| Efficiency ratio | 60.8824% | 5,914 |
| Assets per employee ($millions) | 3.5900% | 4,729 |
| Cash dividends to net income (ytd only)* | 52.4900% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 5,244 |
| Loan loss allowance to noncurrent loans | 85.6423% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 5,177 |
| Noncurrent loans to loans | 1.4621% | 4,292 |
| Net loans and leases to total assets | 62.2377% | 4,234 |
| Net loans and leases to deposits | 69.3444% | 4,902 |
| Net loans and leases to core deposits | 70.8038% | 5,355 |
| Total domestic deposits to total assets | 89.7516% | 1,233 |
| Equity capital to assets | 10.0511% | 3,686 |
| Core capital (leverage) ratio | 9.4418% | 3,778 |
| Tier 1 risk-based capital ratio | 17.6965% | 2,091 |
| Total risk-based capital ratio | 18.9515% | 2,061 |
| Memoranda: | ||
| Average total assets | $42,224,600 | 6,787 |
| Average earning assets | $37,909,000 | 6,794 |
| Average equity | $4,103,600 | 6,958 |
| Average total loans | $26,741,000 | 6,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5150% | 330 |
| Cost of funding earning assets | 1.0299% | 5,799 |
| Net interest margin | 5.4851% | 179 |
| Noninterest income to average assets | 1.3933% | 700 |
| Noninterest expense to average assets | 3.9322% | 1,155 |
| Loan and lease loss provision to assets | 0.1809% | 5,235 |
| Net operating income to assets | 2.3676% | 170 |
| Return on assets (ROA) | 2.3676% | 178 |
| Pretax return on assets | 2.3676% | 287 |
| Return on Equity (ROE) | 24.5772% | 130 |
| Retained earnings to average equity (ytd only) | 10.0813% | 773 |
| Net charge-offs to loans | 0.0200% | 6,395 |
| Credit loss provision to net charge-offs | 1,425.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 200.8705% | 160 |
| Efficiency ratio | 60.6758% | 5,842 |
| Assets per employee ($millions) | 3.2130% | 5,652 |
| Cash dividends to net income (ytd only)* | 58.9811% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 5,104 |
| Loan loss allowance to noncurrent loans | 53.7519% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.5634% | 4,102 |
| Noncurrent loans to loans | 2.3654% | 3,276 |
| Net loans and leases to total assets | 65.2517% | 3,852 |
| Net loans and leases to deposits | 72.7965% | 4,725 |
| Net loans and leases to core deposits | 74.3697% | 5,249 |
| Total domestic deposits to total assets | 89.6359% | 1,057 |
| Equity capital to assets | 10.1583% | 3,939 |
| Core capital (leverage) ratio | 9.2447% | 4,288 |
| Tier 1 risk-based capital ratio | 16.0328% | 2,747 |
| Total risk-based capital ratio | 17.2854% | 2,697 |
| Memoranda: | ||
| Average total assets | $42,010,750 | 6,886 |
| Average earning assets | $38,965,500 | 6,834 |
| Average equity | $4,047,000 | 7,070 |
| Average total loans | $26,638,250 | 6,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4348% | 382 |
| Cost of funding earning assets | 1.0413% | 5,958 |
| Net interest margin | 5.3935% | 201 |
| Noninterest income to average assets | 1.3875% | 655 |
| Noninterest expense to average assets | 3.8440% | 1,275 |
| Loan and lease loss provision to assets | 0.1188% | 5,707 |
| Net operating income to assets | 2.4946% | 138 |
| Return on assets (ROA) | 2.4946% | 143 |
| Pretax return on assets | 2.4946% | 235 |
| Return on Equity (ROE) | 26.3708% | 97 |
| Retained earnings to average equity (ytd only) | 9.7949% | 891 |
| Net charge-offs to loans | 0.0836% | 5,305 |
| Credit loss provision to net charge-offs | 227.2727% | 1,705 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 591 |
| Efficiency ratio | 59.5291% | 6,136 |
| Assets per employee ($millions) | 3.2052% | 5,679 |
| Cash dividends to net income (ytd only)* | 62.8571% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,856 |
| Loan loss allowance to noncurrent loans | 205.2632% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 6,523 |
| Noncurrent loans to loans | 0.5443% | 6,163 |
| Net loans and leases to total assets | 66.2691% | 3,777 |
| Net loans and leases to deposits | 73.8020% | 4,708 |
| Net loans and leases to core deposits | 75.3877% | 5,264 |
| Total domestic deposits to total assets | 89.7931% | 1,025 |
| Equity capital to assets | 10.0341% | 3,979 |
| Core capital (leverage) ratio | 8.8887% | 4,770 |
| Tier 1 risk-based capital ratio | 15.2469% | 3,041 |
| Total risk-based capital ratio | 16.5053% | 2,989 |
| Memoranda: | ||
| Average total assets | $42,091,330 | 6,929 |
| Average earning assets | $39,566,330 | 6,864 |
| Average equity | $3,981,670 | 7,130 |
| Average total loans | $26,315,670 | 6,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0941% | 784 |
| Cost of funding earning assets | 1.0620% | 6,079 |
| Net interest margin | 5.0321% | 392 |
| Noninterest income to average assets | 1.3521% | 659 |
| Noninterest expense to average assets | 3.8106% | 1,314 |
| Loan and lease loss provision to assets | 0.0567% | 6,089 |
| Net operating income to assets | 2.2788% | 219 |
| Return on assets (ROA) | 2.2788% | 243 |
| Pretax return on assets | 2.2788% | 361 |
| Return on Equity (ROE) | 24.8326% | 168 |
| Retained earnings to average equity (ytd only) | 0.6182% | 5,575 |
| Net charge-offs to loans | 0.0314% | 5,134 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 266 |
| Efficiency ratio | 62.0000% | 5,831 |
| Assets per employee ($millions) | 3.5775% | 4,874 |
| Cash dividends to net income (ytd only)* | 97.5104% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,754 |
| Loan loss allowance to noncurrent loans | 117.5097% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 6,016 |
| Noncurrent loans to loans | 0.9817% | 5,362 |
| Net loans and leases to total assets | 60.2749% | 5,075 |
| Net loans and leases to deposits | 66.3913% | 5,779 |
| Net loans and leases to core deposits | 67.7719% | 6,122 |
| Total domestic deposits to total assets | 90.7873% | 617 |
| Equity capital to assets | 9.0729% | 5,167 |
| Core capital (leverage) ratio | 8.2029% | 5,902 |
| Tier 1 risk-based capital ratio | 14.5970% | 3,323 |
| Total risk-based capital ratio | 15.8246% | 3,300 |
| Memoranda: | ||
| Average total assets | $42,303,000 | 7,008 |
| Average earning assets | $40,301,000 | 6,918 |
| Average equity | $3,882,000 | 7,222 |
| Average total loans | $25,511,000 | 6,845 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6354% | 527 |
| Cost of funding earning assets | 1.5054% | 5,489 |
| Net interest margin | 5.1300% | 341 |
| Noninterest income to average assets | 1.3792% | 772 |
| Noninterest expense to average assets | 3.9726% | 1,398 |
| Loan and lease loss provision to assets | 0.2286% | 5,541 |
| Net operating income to assets | 1.9126% | 284 |
| Return on assets (ROA) | 1.9126% | 293 |
| Pretax return on assets | 1.9126% | 496 |
| Return on Equity (ROE) | 20.4909% | 226 |
| Retained earnings to average equity (ytd only) | 8.1365% | 665 |
| Net charge-offs to loans | 0.3127% | 4,678 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 11.2400% | 1,608 |
| Efficiency ratio | 64.9771% | 5,588 |
| Assets per employee ($millions) | 3.4730% | 5,072 |
| Cash dividends to net income (ytd only)* | 60.2922% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 5,362 |
| Loan loss allowance to noncurrent loans | 169.3182% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 6,409 |
| Noncurrent loans to loans | 0.7084% | 5,830 |
| Net loans and leases to total assets | 58.8972% | 5,504 |
| Net loans and leases to deposits | 65.0587% | 6,156 |
| Net loans and leases to core deposits | 87.4363% | 5,392 |
| Total domestic deposits to total assets | 90.5293% | 732 |
| Equity capital to assets | 9.2835% | 4,717 |
| Core capital (leverage) ratio | 8.7817% | 4,795 |
| Tier 1 risk-based capital ratio | 15.8409% | 2,589 |
| Total risk-based capital ratio | 17.1006% | 2,520 |
| Memoranda: | ||
| Average total assets | $39,370,000 | 7,120 |
| Average earning assets | $36,335,400 | 7,085 |
| Average equity | $3,674,800 | 7,398 |
| Average total loans | $23,988,000 | 6,973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7684% | 448 |
| Cost of funding earning assets | 1.6001% | 5,401 |
| Net interest margin | 5.1683% | 316 |
| Noninterest income to average assets | 1.3713% | 803 |
| Noninterest expense to average assets | 3.9078% | 1,416 |
| Loan and lease loss provision to assets | 0.0928% | 6,438 |
| Net operating income to assets | 2.1000% | 236 |
| Return on assets (ROA) | 2.1000% | 258 |
| Pretax return on assets | 2.1000% | 443 |
| Return on Equity (ROE) | 22.4654% | 189 |
| Retained earnings to average equity (ytd only) | 8.7876% | 896 |
| Net charge-offs to loans | 0.1627% | 5,088 |
| Credit loss provision to net charge-offs | 93.1034% | 5,400 |
| Earnings coverage of net charge-offs (x) | 21.9977% | 1,180 |
| Efficiency ratio | 64.0563% | 5,740 |
| Assets per employee ($millions) | 3.2969% | 5,411 |
| Cash dividends to net income (ytd only)* | 60.8838% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 5,456 |
| Loan loss allowance to noncurrent loans | 173.4568% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 6,427 |
| Noncurrent loans to loans | 0.6589% | 5,984 |
| Net loans and leases to total assets | 61.4362% | 5,337 |
| Net loans and leases to deposits | 68.2197% | 6,112 |
| Net loans and leases to core deposits | 93.7298% | 5,040 |
| Total domestic deposits to total assets | 90.0564% | 750 |
| Equity capital to assets | 9.6883% | 4,512 |
| Core capital (leverage) ratio | 8.9339% | 4,760 |
| Tier 1 risk-based capital ratio | 16.2628% | 2,529 |
| Total risk-based capital ratio | 17.5137% | 2,469 |
| Memoranda: | ||
| Average total assets | $38,793,500 | 7,207 |
| Average earning assets | $35,497,500 | 7,185 |
| Average equity | $3,626,250 | 7,471 |
| Average total loans | $23,774,000 | 7,046 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9466% | 351 |
| Cost of funding earning assets | 1.6791% | 5,370 |
| Net interest margin | 5.2674% | 258 |
| Noninterest income to average assets | 1.3130% | 892 |
| Noninterest expense to average assets | 3.9079% | 1,469 |
| Loan and lease loss provision to assets | 0.0623% | 6,588 |
| Net operating income to assets | 2.0967% | 240 |
| Return on assets (ROA) | 2.0967% | 262 |
| Pretax return on assets | 2.0967% | 438 |
| Return on Equity (ROE) | 22.7137% | 208 |
| Retained earnings to average equity (ytd only) | 6.2969% | 1,887 |
| Net charge-offs to loans | 0.2212% | 4,116 |
| Credit loss provision to net charge-offs | 46.1538% | 5,815 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,555 |
| Efficiency ratio | 64.4140% | 5,824 |
| Assets per employee ($millions) | 3.2679% | 5,406 |
| Cash dividends to net income (ytd only)* | 72.2772% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,567 |
| Loan loss allowance to noncurrent loans | 222.3140% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 6,692 |
| Noncurrent loans to loans | 0.4972% | 6,280 |
| Net loans and leases to total assets | 61.3745% | 5,464 |
| Net loans and leases to deposits | 67.8010% | 6,216 |
| Net loans and leases to core deposits | 91.4472% | 5,401 |
| Total domestic deposits to total assets | 90.5215% | 619 |
| Equity capital to assets | 9.2057% | 5,005 |
| Core capital (leverage) ratio | 8.8708% | 4,833 |
| Tier 1 risk-based capital ratio | 16.1716% | 2,559 |
| Total risk-based capital ratio | 17.4522% | 2,497 |
| Memoranda: | ||
| Average total assets | $38,537,000 | 7,274 |
| Average earning assets | $34,779,670 | 7,280 |
| Average equity | $3,557,330 | 7,552 |
| Average total loans | $23,503,000 | 7,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8777% | 424 |
| Cost of funding earning assets | 1.7801% | 5,209 |
| Net interest margin | 5.0976% | 330 |
| Noninterest income to average assets | 1.1624% | 1,085 |
| Noninterest expense to average assets | 3.6337% | 1,785 |
| Loan and lease loss provision to assets | 0.0628% | 6,164 |
| Net operating income to assets | 2.0839% | 296 |
| Return on assets (ROA) | 2.0839% | 341 |
| Pretax return on assets | 2.0839% | 556 |
| Return on Equity (ROE) | 22.5432% | 285 |
| Retained earnings to average equity (ytd only) | -1.8125% | 6,065 |
| Net charge-offs to loans | 0.0866% | 4,299 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 828 |
| Efficiency ratio | 62.8623% | 5,905 |
| Assets per employee ($millions) | 3.1176% | 5,844 |
| Cash dividends to net income (ytd only)* | 108.0402% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,556 |
| Loan loss allowance to noncurrent loans | 835.2941% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 7,316 |
| Noncurrent loans to loans | 0.1478% | 7,096 |
| Net loans and leases to total assets | 60.7201% | 5,545 |
| Net loans and leases to deposits | 67.2469% | 6,249 |
| Net loans and leases to core deposits | 89.1873% | 5,630 |
| Total domestic deposits to total assets | 90.2943% | 681 |
| Equity capital to assets | 9.4651% | 4,720 |
| Core capital (leverage) ratio | 8.3593% | 5,789 |
| Tier 1 risk-based capital ratio | 16.5318% | 2,504 |
| Total risk-based capital ratio | 17.7860% | 2,439 |
| Memoranda: | ||
| Average total assets | $38,198,000 | 7,328 |
| Average earning assets | $34,604,500 | 7,324 |
| Average equity | $3,531,000 | 7,619 |
| Average total loans | $23,086,000 | 7,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0829% | 942 |
| Cost of funding earning assets | 2.4690% | 4,369 |
| Net interest margin | 4.6139% | 1,139 |
| Noninterest income to average assets | 1.4962% | 626 |
| Noninterest expense to average assets | 3.8067% | 1,739 |
| Loan and lease loss provision to assets | 0.0663% | 6,562 |
| Net operating income to assets | 1.9461% | 397 |
| Return on assets (ROA) | 1.9461% | 382 |
| Pretax return on assets | 1.9461% | 701 |
| Return on Equity (ROE) | 22.1601% | 247 |
| Retained earnings to average equity (ytd only) | 7.8582% | 886 |
| Net charge-offs to loans | 0.0316% | 6,383 |
| Credit loss provision to net charge-offs | 342.8571% | 1,321 |
| Earnings coverage of net charge-offs (x) | 104.1429% | 415 |
| Efficiency ratio | 65.4175% | 5,236 |
| Assets per employee ($millions) | 3.5441% | 4,559 |
| Cash dividends to net income (ytd only)* | 64.5390% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 4,371 |
| Loan loss allowance to noncurrent loans | 1,048.1481% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 7,294 |
| Noncurrent loans to loans | 0.1165% | 7,067 |
| Net loans and leases to total assets | 58.7123% | 6,102 |
| Net loans and leases to deposits | 64.7240% | 6,734 |
| Net loans and leases to core deposits | 83.4908% | 6,346 |
| Total domestic deposits to total assets | 90.7118% | 421 |
| Equity capital to assets | 9.0317% | 5,331 |
| Core capital (leverage) ratio | 8.4739% | 5,618 |
| Tier 1 risk-based capital ratio | 15.5724% | 2,819 |
| Total risk-based capital ratio | 16.8239% | 2,751 |
| Memoranda: | ||
| Average total assets | $36,225,400 | 7,368 |
| Average earning assets | $33,940,800 | 7,324 |
| Average equity | $3,181,400 | 7,776 |
| Average total loans | $22,126,600 | 7,184 |