Home > Western Bank of Clovis > Performance and Condition Ratios
Western Bank of Clovis, Performance and Condition Ratios
| 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 | 5.0182% | 1,197 |
| Cost of funding earning assets | 0.7087% | 3,030 |
| Net interest margin | 4.3095% | 792 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6365% | 1,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2344% | 1,835 |
| Return on assets (ROA) | 1.2344% | 1,808 |
| Pretax return on assets | 1.5520% | 1,574 |
| Return on Equity (ROE) | 8.1500% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.1544% | 2,174 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9471% | 2,577 |
| Assets per employee ($millions) | 6.7059% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.8000% | 782 |
| Net loans and leases to deposits | 122.5909% | 70 |
| Net loans and leases to core deposits | 137.1261% | 206 |
| Total domestic deposits to total assets | 63.4600% | 4,522 |
| Equity capital to assets | 15.2224% | 461 |
| Core capital (leverage) ratio | 15.4807% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $66,754,500 | 4,237 |
| Average earning assets | $62,652,500 | 4,210 |
| Average equity | $10,105,000 | 3,774 |
| Average total loans | $52,949,000 | 3,863 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 548 |
| Cost of funding earning assets | 0.4219% | 1,923 |
| Net interest margin | 4.2399% | 486 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.9811% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8715% | 3,074 |
| Return on assets (ROA) | 0.8715% | 3,010 |
| Pretax return on assets | 1.1443% | 2,625 |
| Return on Equity (ROE) | 5.7800% | 3,872 |
| Retained earnings to average equity (ytd only) | -3.3156% | 4,531 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.2630% | 1,411 |
| Assets per employee ($millions) | 6.0409% | 2,727 |
| Cash dividends to net income (ytd only)* | 157.3913% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 1,869 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.7700% | 721 |
| Net loans and leases to deposits | 115.0648% | 105 |
| Net loans and leases to core deposits | 126.5914% | 271 |
| Total domestic deposits to total assets | 68.4600% | 4,498 |
| Equity capital to assets | 15.0519% | 465 |
| Core capital (leverage) ratio | 15.0628% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,981,600 | 4,267 |
| Average earning assets | $61,628,400 | 4,244 |
| Average equity | $9,953,000 | 3,875 |
| Average total loans | $47,600,800 | 3,932 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 629 |
| Cost of funding earning assets | 0.4361% | 1,058 |
| Net interest margin | 3.9275% | 750 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.9393% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7126% | 3,532 |
| Return on assets (ROA) | 0.7126% | 3,483 |
| Pretax return on assets | 0.9049% | 3,299 |
| Return on Equity (ROE) | 4.7200% | 4,032 |
| Retained earnings to average equity (ytd only) | -5.2711% | 4,608 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.4613% | 1,037 |
| Assets per employee ($millions) | 5.3738% | 3,353 |
| Cash dividends to net income (ytd only)* | 211.6477% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,770 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.9500% | 709 |
| Net loans and leases to deposits | 104.9813% | 212 |
| Net loans and leases to core deposits | 114.9180% | 347 |
| Total domestic deposits to total assets | 74.2500% | 4,449 |
| Equity capital to assets | 15.4126% | 419 |
| Core capital (leverage) ratio | 15.4373% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $65,864,500 | 4,301 |
| Average earning assets | $61,445,250 | 4,274 |
| Average equity | $9,940,750 | 3,922 |
| Average total loans | $46,242,250 | 3,981 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 720 |
| Cost of funding earning assets | 0.4463% | 701 |
| Net interest margin | 3.6899% | 927 |
| Noninterest income to average assets | 0.1146% | 4,422 |
| Noninterest expense to average assets | 2.8527% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5699% | 3,707 |
| Return on assets (ROA) | 0.5699% | 3,659 |
| Pretax return on assets | 0.7026% | 3,565 |
| Return on Equity (ROE) | 3.8023% | 4,068 |
| Retained earnings to average equity (ytd only) | -10.6827% | 4,672 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2375% | 927 |
| Assets per employee ($millions) | 5.3660% | 3,375 |
| Cash dividends to net income (ytd only)* | 380.9524% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 68.9589% | 1,400 |
| Net loans and leases to deposits | 94.0544% | 515 |
| Net loans and leases to core deposits | 103.0853% | 546 |
| Total domestic deposits to total assets | 73.3181% | 4,553 |
| Equity capital to assets | 15.2208% | 386 |
| Core capital (leverage) ratio | 14.6133% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,324,000 | 4,336 |
| Average earning assets | $61,844,667 | 4,324 |
| Average equity | $9,941,333 | 3,998 |
| Average total loans | $44,671,000 | 4,056 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 837 |
| Cost of funding earning assets | 0.4513% | 653 |
| Net interest margin | 3.5083% | 1,078 |
| Noninterest income to average assets | 0.1248% | 4,382 |
| Noninterest expense to average assets | 2.7642% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4696% | 3,791 |
| Return on assets (ROA) | 0.4696% | 3,755 |
| Pretax return on assets | 0.6420% | 3,530 |
| Return on Equity (ROE) | 3.1564% | 4,059 |
| Retained earnings to average equity (ytd only) | -25.6105% | 4,731 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1518% | 1,060 |
| Assets per employee ($millions) | 5.6872% | 3,135 |
| Cash dividends to net income (ytd only)* | 911.3924% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 1,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.6931% | 1,658 |
| Net loans and leases to deposits | 86.1913% | 722 |
| Net loans and leases to core deposits | 93.8834% | 738 |
| Total domestic deposits to total assets | 73.8974% | 4,574 |
| Equity capital to assets | 14.2001% | 496 |
| Core capital (leverage) ratio | 14.5929% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,290,000 | 4,351 |
| Average earning assets | $62,936,000 | 4,337 |
| Average equity | $10,011,500 | 4,051 |
| Average total loans | $44,458,500 | 4,070 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 336 |
| Cost of funding earning assets | 0.4670% | 1,082 |
| Net interest margin | 4.3788% | 349 |
| Noninterest income to average assets | 0.0999% | 4,603 |
| Noninterest expense to average assets | 2.8897% | 1,175 |
| Loan and lease loss provision to assets | 0.0382% | 2,281 |
| Net operating income to assets | 0.8932% | 3,068 |
| Return on assets (ROA) | 0.8932% | 3,127 |
| Pretax return on assets | 1.2766% | 2,431 |
| Return on Equity (ROE) | 5.9581% | 3,785 |
| Retained earnings to average equity (ytd only) | 2.9888% | 3,635 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7282% | 1,895 |
| Assets per employee ($millions) | 5.1026% | 3,641 |
| Cash dividends to net income (ytd only)* | 49.8355% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 66.4290% | 1,427 |
| Net loans and leases to deposits | 93.4154% | 405 |
| Net loans and leases to core deposits | 100.0545% | 532 |
| Total domestic deposits to total assets | 71.1113% | 4,663 |
| Equity capital to assets | 15.5757% | 425 |
| Core capital (leverage) ratio | 16.5574% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,068,800 | 4,356 |
| Average earning assets | $63,807,000 | 4,340 |
| Average equity | $10,204,600 | 4,105 |
| Average total loans | $48,732,600 | 4,024 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 423 |
| Cost of funding earning assets | 0.4733% | 1,196 |
| Net interest margin | 4.3112% | 438 |
| Noninterest income to average assets | 0.0993% | 4,671 |
| Noninterest expense to average assets | 2.8378% | 1,253 |
| Loan and lease loss provision to assets | 0.0365% | 2,261 |
| Net operating income to assets | 0.8992% | 3,251 |
| Return on assets (ROA) | 0.8992% | 3,324 |
| Pretax return on assets | 1.2671% | 2,710 |
| Return on Equity (ROE) | 6.0552% | 3,896 |
| Retained earnings to average equity (ytd only) | 2.7262% | 3,991 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5150% | 1,756 |
| Assets per employee ($millions) | 4.8344% | 3,858 |
| Cash dividends to net income (ytd only)* | 54.9784% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.7949% | 1,096 |
| Net loans and leases to deposits | 92.9637% | 451 |
| Net loans and leases to core deposits | 100.1324% | 580 |
| Total domestic deposits to total assets | 75.0776% | 4,597 |
| Equity capital to assets | 16.2856% | 390 |
| Core capital (leverage) ratio | 15.4792% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,502,500 | 4,411 |
| Average earning assets | $64,233,500 | 4,388 |
| Average equity | $10,172,750 | 4,164 |
| Average total loans | $49,726,500 | 4,063 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 598 |
| Cost of funding earning assets | 0.4685% | 1,396 |
| Net interest margin | 4.1590% | 629 |
| Noninterest income to average assets | 0.0966% | 4,704 |
| Noninterest expense to average assets | 2.7931% | 1,371 |
| Loan and lease loss provision to assets | 0.0369% | 2,254 |
| Net operating income to assets | 0.8382% | 3,403 |
| Return on assets (ROA) | 0.8382% | 3,473 |
| Pretax return on assets | 1.1763% | 2,974 |
| Return on Equity (ROE) | 5.8117% | 3,953 |
| Retained earnings to average equity (ytd only) | 1.7139% | 4,186 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7163% | 1,680 |
| Assets per employee ($millions) | 5.1805% | 3,479 |
| Cash dividends to net income (ytd only)* | 70.5085% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 70.8654% | 1,104 |
| Net loans and leases to deposits | 95.8853% | 387 |
| Net loans and leases to core deposits | 102.8623% | 569 |
| Total domestic deposits to total assets | 73.9064% | 4,655 |
| Equity capital to assets | 15.0180% | 521 |
| Core capital (leverage) ratio | 14.3027% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,387,667 | 4,418 |
| Average earning assets | $66,169,333 | 4,392 |
| Average equity | $10,152,000 | 4,185 |
| Average total loans | $51,452,333 | 4,048 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 882 |
| Cost of funding earning assets | 0.4724% | 1,577 |
| Net interest margin | 3.9506% | 910 |
| Noninterest income to average assets | 0.0946% | 4,709 |
| Noninterest expense to average assets | 2.7924% | 1,387 |
| Loan and lease loss provision to assets | 0.0389% | 2,259 |
| Net operating income to assets | 0.7287% | 3,638 |
| Return on assets (ROA) | 0.7287% | 3,705 |
| Pretax return on assets | 0.9846% | 3,419 |
| Return on Equity (ROE) | 5.1519% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.3428% | 3,677 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1778% | 1,387 |
| Assets per employee ($millions) | 5.6963% | 2,914 |
| Cash dividends to net income (ytd only)* | 35.1145% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.1669% | 996 |
| Net loans and leases to deposits | 100.3662% | 275 |
| Net loans and leases to core deposits | 106.6218% | 489 |
| Total domestic deposits to total assets | 71.9035% | 4,719 |
| Equity capital to assets | 13.8686% | 695 |
| Core capital (leverage) ratio | 14.4084% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,908,500 | 4,413 |
| Average earning assets | $67,736,500 | 4,388 |
| Average equity | $10,171,000 | 4,194 |
| Average total loans | $52,977,000 | 4,038 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,375 |
| Cost of funding earning assets | 0.5822% | 2,432 |
| Net interest margin | 3.8924% | 1,236 |
| Noninterest income to average assets | 0.3282% | 3,492 |
| Noninterest expense to average assets | 2.7118% | 2,209 |
| Loan and lease loss provision to assets | 0.0357% | 3,963 |
| Net operating income to assets | 0.9694% | 2,397 |
| Return on assets (ROA) | 0.9694% | 2,546 |
| Pretax return on assets | 1.2893% | 2,015 |
| Return on Equity (ROE) | 7.1394% | 3,155 |
| Retained earnings to average equity (ytd only) | 2.7708% | 3,479 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1769% | 2,341 |
| Assets per employee ($millions) | 5.3665% | 2,985 |
| Cash dividends to net income (ytd only)* | 61.1898% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.3548% | 1,110 |
| Net loans and leases to deposits | 103.0756% | 282 |
| Net loans and leases to core deposits | 109.9920% | 509 |
| Total domestic deposits to total assets | 71.1661% | 4,747 |
| Equity capital to assets | 14.4370% | 693 |
| Core capital (leverage) ratio | 14.4777% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,828,600 | 4,341 |
| Average earning assets | $69,391,200 | 4,301 |
| Average equity | $9,888,800 | 4,208 |
| Average total loans | $48,770,000 | 4,132 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 1,661 |
| Cost of funding earning assets | 0.6094% | 2,555 |
| Net interest margin | 3.8555% | 1,466 |
| Noninterest income to average assets | 0.0978% | 4,766 |
| Noninterest expense to average assets | 2.6197% | 2,482 |
| Loan and lease loss provision to assets | 0.0367% | 3,889 |
| Net operating income to assets | 0.8316% | 2,976 |
| Return on assets (ROA) | 0.8316% | 3,102 |
| Pretax return on assets | 1.1214% | 2,676 |
| Return on Equity (ROE) | 6.2175% | 3,472 |
| Retained earnings to average equity (ytd only) | 0.9211% | 4,277 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3525% | 1,984 |
| Assets per employee ($millions) | 6.3687% | 1,938 |
| Cash dividends to net income (ytd only)* | 85.1852% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 68.1736% | 2,218 |
| Net loans and leases to deposits | 108.5324% | 256 |
| Net loans and leases to core deposits | 116.0766% | 498 |
| Total domestic deposits to total assets | 62.8140% | 4,906 |
| Equity capital to assets | 12.9122% | 1,222 |
| Core capital (leverage) ratio | 13.0357% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,594,500 | 4,342 |
| Average earning assets | $70,235,750 | 4,304 |
| Average equity | $9,843,000 | 4,221 |
| Average total loans | $48,002,250 | 4,166 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 1,342 |
| Cost of funding earning assets | 0.6431% | 2,741 |
| Net interest margin | 4.0838% | 1,153 |
| Noninterest income to average assets | 0.2615% | 3,904 |
| Noninterest expense to average assets | 2.6455% | 2,535 |
| Loan and lease loss provision to assets | 0.3138% | 1,370 |
| Net operating income to assets | 0.8837% | 2,758 |
| Return on assets (ROA) | 0.8837% | 2,872 |
| Pretax return on assets | 1.2003% | 2,364 |
| Return on Equity (ROE) | 6.5279% | 3,322 |
| Retained earnings to average equity (ytd only) | -0.7118% | 4,436 |
| Net charge-offs to loans | 0.0086% | 2,641 |
| Credit loss provision to net charge-offs | 5,700.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 343 |
| Efficiency ratio | 63.6003% | 2,870 |
| Assets per employee ($millions) | 6.2887% | 1,960 |
| Cash dividends to net income (ytd only)* | 110.9034% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.7078% | 2,408 |
| Net loans and leases to deposits | 109.6224% | 238 |
| Net loans and leases to core deposits | 116.7699% | 506 |
| Total domestic deposits to total assets | 61.7645% | 4,947 |
| Equity capital to assets | 12.9386% | 1,196 |
| Core capital (leverage) ratio | 13.3697% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,651,333 | 4,360 |
| Average earning assets | $69,348,000 | 4,330 |
| Average equity | $9,834,667 | 4,236 |
| Average total loans | $46,416,333 | 4,202 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 1,739 |
| Cost of funding earning assets | 0.6701% | 3,056 |
| Net interest margin | 4.0205% | 1,336 |
| Noninterest income to average assets | 0.1179% | 4,764 |
| Noninterest expense to average assets | 2.6612% | 2,808 |
| Loan and lease loss provision to assets | 0.0337% | 3,349 |
| Net operating income to assets | 0.9376% | 2,385 |
| Return on assets (ROA) | 0.9376% | 2,494 |
| Pretax return on assets | 1.2632% | 1,982 |
| Return on Equity (ROE) | 6.7680% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.7548% | 1,973 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2340% | 2,784 |
| Assets per employee ($millions) | 6.7637% | 1,196 |
| Cash dividends to net income (ytd only)* | 14.9701% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.6856% | 3,103 |
| Net loans and leases to deposits | 100.0953% | 554 |
| Net loans and leases to core deposits | 107.1997% | 983 |
| Total domestic deposits to total assets | 63.6249% | 4,995 |
| Equity capital to assets | 14.6976% | 837 |
| Core capital (leverage) ratio | 13.8556% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,245,000 | 4,390 |
| Average earning assets | $68,050,500 | 4,348 |
| Average equity | $9,870,000 | 4,256 |
| Average total loans | $43,701,000 | 4,282 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 3,662 |
| Cost of funding earning assets | 0.5103% | 4,042 |
| Net interest margin | 3.7451% | 2,677 |
| Noninterest income to average assets | 0.0883% | 4,957 |
| Noninterest expense to average assets | 2.2761% | 4,004 |
| Loan and lease loss provision to assets | 0.0319% | 3,377 |
| Net operating income to assets | 1.0431% | 2,686 |
| Return on assets (ROA) | 1.0431% | 2,779 |
| Pretax return on assets | 1.3875% | 2,207 |
| Return on Equity (ROE) | 9.0345% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.2489% | 900 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5920% | 3,438 |
| Assets per employee ($millions) | 8.3170% | 637 |
| Cash dividends to net income (ytd only)* | 8.6957% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.4994% | 3,808 |
| Net loans and leases to deposits | 86.1231% | 2,075 |
| Net loans and leases to core deposits | 91.3335% | 2,291 |
| Total domestic deposits to total assets | 66.7642% | 5,016 |
| Equity capital to assets | 13.0910% | 1,464 |
| Core capital (leverage) ratio | 13.3376% | 1,105 |
| Tier 1 risk-based capital ratio | 19.2829% | 1,461 |
| Total risk-based capital ratio | 20.5325% | 1,427 |
| Memoranda: | ||
| Average total assets | $81,586,200 | 4,261 |
| Average earning assets | $78,583,400 | 4,208 |
| Average equity | $9,419,400 | 4,316 |
| Average total loans | $39,616,800 | 4,409 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 3,935 |
| Cost of funding earning assets | 0.4817% | 4,217 |
| Net interest margin | 3.7105% | 2,882 |
| Noninterest income to average assets | 0.0833% | 5,036 |
| Noninterest expense to average assets | 2.2417% | 4,088 |
| Loan and lease loss provision to assets | 0.0320% | 3,266 |
| Net operating income to assets | 1.0296% | 2,862 |
| Return on assets (ROA) | 1.0296% | 2,942 |
| Pretax return on assets | 1.3866% | 2,362 |
| Return on Equity (ROE) | 9.1942% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.1217% | 1,342 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2423% | 3,446 |
| Assets per employee ($millions) | 6.4585% | 1,293 |
| Cash dividends to net income (ytd only)* | 11.6644% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.5806% | 3,914 |
| Net loans and leases to deposits | 84.6655% | 2,359 |
| Net loans and leases to core deposits | 89.9727% | 2,549 |
| Total domestic deposits to total assets | 68.0095% | 5,059 |
| Equity capital to assets | 13.5003% | 1,362 |
| Core capital (leverage) ratio | 14.7151% | 810 |
| Tier 1 risk-based capital ratio | 19.3320% | 1,497 |
| Total risk-based capital ratio | 20.5817% | 1,466 |
| Memoranda: | ||
| Average total assets | $83,269,500 | 4,290 |
| Average earning assets | $80,274,500 | 4,236 |
| Average equity | $9,324,500 | 4,374 |
| Average total loans | $38,601,000 | 4,492 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,961 |
| Cost of funding earning assets | 0.4244% | 4,418 |
| Net interest margin | 3.7602% | 2,716 |
| Noninterest income to average assets | 0.0779% | 5,105 |
| Noninterest expense to average assets | 2.2211% | 4,185 |
| Loan and lease loss provision to assets | 0.0298% | 3,224 |
| Net operating income to assets | 1.0785% | 2,613 |
| Return on assets (ROA) | 1.0785% | 2,681 |
| Pretax return on assets | 1.4586% | 2,002 |
| Return on Equity (ROE) | 10.1996% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.1168% | 998 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8765% | 3,745 |
| Assets per employee ($millions) | 4.6692% | 2,915 |
| Cash dividends to net income (ytd only)* | 10.6157% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 62.8544% | 3,469 |
| Net loans and leases to deposits | 90.9225% | 1,643 |
| Net loans and leases to core deposits | 100.7686% | 1,650 |
| Total domestic deposits to total assets | 69.1296% | 5,071 |
| Equity capital to assets | 15.5587% | 697 |
| Core capital (leverage) ratio | 14.1071% | 933 |
| Tier 1 risk-based capital ratio | 20.8680% | 1,198 |
| Total risk-based capital ratio | 22.1186% | 1,179 |
| Memoranda: | ||
| Average total assets | $87,345,000 | 4,262 |
| Average earning assets | $84,356,330 | 4,203 |
| Average equity | $9,235,670 | 4,408 |
| Average total loans | $37,621,000 | 4,554 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 4,731 |
| Cost of funding earning assets | 0.3810% | 4,570 |
| Net interest margin | 3.4001% | 3,880 |
| Noninterest income to average assets | 0.0636% | 5,174 |
| Noninterest expense to average assets | 1.9112% | 4,783 |
| Loan and lease loss provision to assets | 0.0278% | 3,055 |
| Net operating income to assets | 1.0649% | 2,600 |
| Return on assets (ROA) | 1.0649% | 2,651 |
| Pretax return on assets | 1.4225% | 2,008 |
| Return on Equity (ROE) | 11.7396% | 1,638 |
| Retained earnings to average equity (ytd only) | 9.5494% | 1,148 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8558% | 4,230 |
| Assets per employee ($millions) | 8.2379% | 616 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.4514% | 5,005 |
| Net loans and leases to deposits | 44.5210% | 4,972 |
| Net loans and leases to core deposits | 45.9987% | 4,989 |
| Total domestic deposits to total assets | 81.8745% | 3,755 |
| Equity capital to assets | 9.3470% | 4,388 |
| Core capital (leverage) ratio | 9.3064% | 4,357 |
| Tier 1 risk-based capital ratio | 17.9174% | 1,814 |
| Total risk-based capital ratio | 19.1216% | 1,786 |
| Memoranda: | ||
| Average total assets | $100,668,000 | 4,096 |
| Average earning assets | $97,644,500 | 4,014 |
| Average equity | $9,131,500 | 4,446 |
| Average total loans | $37,042,000 | 4,616 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 4,483 |
| Cost of funding earning assets | 0.4215% | 3,845 |
| Net interest margin | 3.3807% | 4,051 |
| Noninterest income to average assets | 0.1296% | 5,042 |
| Noninterest expense to average assets | 2.1979% | 4,342 |
| Loan and lease loss provision to assets | 0.0318% | 3,550 |
| Net operating income to assets | 0.8646% | 3,559 |
| Return on assets (ROA) | 0.8646% | 3,555 |
| Pretax return on assets | 1.1590% | 3,067 |
| Return on Equity (ROE) | 8.4335% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.6292% | 1,404 |
| Net charge-offs to loans | -0.0052% | 4,363 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8592% | 3,051 |
| Assets per employee ($millions) | 8.5401% | 541 |
| Cash dividends to net income (ytd only)* | 9.5368% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 35.9237% | 5,066 |
| Net loans and leases to deposits | 43.4683% | 5,038 |
| Net loans and leases to core deposits | 44.8449% | 5,065 |
| Total domestic deposits to total assets | 82.6436% | 3,439 |
| Equity capital to assets | 8.8046% | 4,732 |
| Core capital (leverage) ratio | 12.7251% | 1,361 |
| Tier 1 risk-based capital ratio | 17.5415% | 1,887 |
| Total risk-based capital ratio | 18.7352% | 1,859 |
| Memoranda: | ||
| Average total assets | $84,898,400 | 4,342 |
| Average earning assets | $81,847,200 | 4,291 |
| Average equity | $8,703,400 | 4,499 |
| Average total loans | $38,140,000 | 4,608 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,787 |
| Cost of funding earning assets | 0.4235% | 3,704 |
| Net interest margin | 3.6258% | 3,283 |
| Noninterest income to average assets | 0.1524% | 5,016 |
| Noninterest expense to average assets | 2.3237% | 4,042 |
| Loan and lease loss provision to assets | 0.0331% | 3,354 |
| Net operating income to assets | 0.9540% | 3,291 |
| Return on assets (ROA) | 0.9540% | 3,305 |
| Pretax return on assets | 1.2836% | 2,685 |
| Return on Equity (ROE) | 8.9057% | 3,125 |
| Retained earnings to average equity (ytd only) | 8.2099% | 1,551 |
| Net charge-offs to loans | -0.0070% | 4,303 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8308% | 3,211 |
| Assets per employee ($millions) | 5.3069% | 2,115 |
| Cash dividends to net income (ytd only)* | 7.8127% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 55.0775% | 4,289 |
| Net loans and leases to deposits | 74.2888% | 3,568 |
| Net loans and leases to core deposits | 78.2673% | 3,635 |
| Total domestic deposits to total assets | 74.1397% | 4,965 |
| Equity capital to assets | 12.8845% | 1,386 |
| Core capital (leverage) ratio | 12.0213% | 1,775 |
| Tier 1 risk-based capital ratio | 19.5871% | 1,418 |
| Total risk-based capital ratio | 20.8365% | 1,384 |
| Memoranda: | ||
| Average total assets | $80,502,750 | 4,462 |
| Average earning assets | $77,443,500 | 4,404 |
| Average equity | $8,623,500 | 4,552 |
| Average total loans | $38,317,750 | 4,652 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,258 |
| Cost of funding earning assets | 0.3863% | 3,828 |
| Net interest margin | 3.4474% | 3,807 |
| Noninterest income to average assets | 0.1707% | 4,970 |
| Noninterest expense to average assets | 2.2291% | 4,301 |
| Loan and lease loss provision to assets | 0.0308% | 3,292 |
| Net operating income to assets | 0.9225% | 3,356 |
| Return on assets (ROA) | 0.9225% | 3,357 |
| Pretax return on assets | 1.2331% | 2,805 |
| Return on Equity (ROE) | 9.1154% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.0609% | 1,603 |
| Net charge-offs to loans | -0.0052% | 4,113 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8153% | 3,336 |
| Assets per employee ($millions) | 5.9680% | 1,490 |
| Cash dividends to net income (ytd only)* | 11.5681% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 49.8247% | 4,620 |
| Net loans and leases to deposits | 64.6746% | 4,237 |
| Net loans and leases to core deposits | 67.6159% | 4,278 |
| Total domestic deposits to total assets | 77.0391% | 4,729 |
| Equity capital to assets | 11.2162% | 2,441 |
| Core capital (leverage) ratio | 10.7617% | 2,743 |
| Tier 1 risk-based capital ratio | 17.5288% | 1,935 |
| Total risk-based capital ratio | 18.7354% | 1,895 |
| Memoranda: | ||
| Average total assets | $84,340,330 | 4,441 |
| Average earning assets | $81,279,000 | 4,378 |
| Average equity | $8,535,000 | 4,605 |
| Average total loans | $38,222,000 | 4,696 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,472 |
| Cost of funding earning assets | 0.3735% | 3,791 |
| Net interest margin | 3.3234% | 4,124 |
| Noninterest income to average assets | 0.2462% | 4,526 |
| Noninterest expense to average assets | 2.1295% | 4,586 |
| Loan and lease loss provision to assets | 0.0319% | 3,084 |
| Net operating income to assets | 0.9667% | 3,000 |
| Return on assets (ROA) | 0.9667% | 3,027 |
| Pretax return on assets | 1.2905% | 2,405 |
| Return on Equity (ROE) | 10.0337% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.8505% | 1,519 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6909% | 3,841 |
| Assets per employee ($millions) | 9.1756% | 415 |
| Cash dividends to net income (ytd only)* | 11.7925% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 40.6251% | 5,043 |
| Net loans and leases to deposits | 50.4596% | 4,942 |
| Net loans and leases to core deposits | 52.3003% | 4,968 |
| Total domestic deposits to total assets | 80.5103% | 4,319 |
| Equity capital to assets | 9.3127% | 4,258 |
| Core capital (leverage) ratio | 9.4833% | 4,087 |
| Tier 1 risk-based capital ratio | 16.7697% | 2,191 |
| Total risk-based capital ratio | 17.9315% | 2,165 |
| Memoranda: | ||
| Average total assets | $87,718,500 | 4,436 |
| Average earning assets | $84,613,000 | 4,366 |
| Average equity | $8,451,500 | 4,675 |
| Average total loans | $37,705,500 | 4,758 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,406 |
| Cost of funding earning assets | 0.4139% | 3,113 |
| Net interest margin | 3.8625% | 2,219 |
| Noninterest income to average assets | 0.2817% | 4,443 |
| Noninterest expense to average assets | 2.7457% | 2,977 |
| Loan and lease loss provision to assets | 0.0400% | 3,467 |
| Net operating income to assets | 0.7880% | 3,214 |
| Return on assets (ROA) | 0.7880% | 3,255 |
| Pretax return on assets | 1.1728% | 2,885 |
| Return on Equity (ROE) | 6.3172% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.8237% | 1,641 |
| Net charge-offs to loans | 0.0650% | 2,541 |
| Credit loss provision to net charge-offs | 104.0000% | 2,464 |
| Earnings coverage of net charge-offs (x) | 31.5200% | 1,500 |
| Efficiency ratio | 69.3624% | 2,644 |
| Assets per employee ($millions) | 7.6074% | 735 |
| Cash dividends to net income (ytd only)* | 7.8125% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 44.1641% | 4,970 |
| Net loans and leases to deposits | 56.0847% | 4,793 |
| Net loans and leases to core deposits | 58.3885% | 4,833 |
| Total domestic deposits to total assets | 78.7455% | 4,595 |
| Equity capital to assets | 9.9879% | 3,723 |
| Core capital (leverage) ratio | 13.8261% | 877 |
| Tier 1 risk-based capital ratio | 16.9496% | 2,115 |
| Total risk-based capital ratio | 18.1379% | 2,069 |
| Memoranda: | ||
| Average total assets | $64,973,200 | 4,864 |
| Average earning assets | $61,850,400 | 4,819 |
| Average equity | $8,104,800 | 4,768 |
| Average total loans | $38,440,200 | 4,777 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,336 |
| Cost of funding earning assets | 0.4244% | 2,936 |
| Net interest margin | 4.1883% | 1,177 |
| Noninterest income to average assets | 0.3295% | 4,179 |
| Noninterest expense to average assets | 2.9830% | 2,154 |
| Loan and lease loss provision to assets | 0.0442% | 3,215 |
| Net operating income to assets | 0.7850% | 3,584 |
| Return on assets (ROA) | 0.7850% | 3,638 |
| Pretax return on assets | 1.2737% | 2,612 |
| Return on Equity (ROE) | 5.8860% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.2228% | 2,725 |
| Net charge-offs to loans | 0.0862% | 1,935 |
| Credit loss provision to net charge-offs | 80.0000% | 2,582 |
| Earnings coverage of net charge-offs (x) | 23.8419% | 1,797 |
| Efficiency ratio | 69.3573% | 2,640 |
| Assets per employee ($millions) | 4.6906% | 2,848 |
| Cash dividends to net income (ytd only)* | 11.2672% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,309 |
| Loan loss allowance to noncurrent loans | 86.4179% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 1,383 |
| Noncurrent loans to loans | 1.8148% | 979 |
| Net loans and leases to total assets | 64.5602% | 3,317 |
| Net loans and leases to deposits | 86.7031% | 2,216 |
| Net loans and leases to core deposits | 93.6283% | 2,300 |
| Total domestic deposits to total assets | 74.4612% | 5,189 |
| Equity capital to assets | 14.5700% | 837 |
| Core capital (leverage) ratio | 14.3643% | 802 |
| Tier 1 risk-based capital ratio | 18.3218% | 1,775 |
| Total risk-based capital ratio | 19.5728% | 1,733 |
| Memoranda: | ||
| Average total assets | $60,296,250 | 5,016 |
| Average earning assets | $57,173,250 | 4,980 |
| Average equity | $8,041,500 | 4,833 |
| Average total loans | $38,664,500 | 4,819 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,543 |
| Cost of funding earning assets | 0.4237% | 2,862 |
| Net interest margin | 4.0658% | 1,414 |
| Noninterest income to average assets | 0.4024% | 3,677 |
| Noninterest expense to average assets | 2.8783% | 2,493 |
| Loan and lease loss provision to assets | 0.0422% | 3,157 |
| Net operating income to assets | 0.8275% | 3,259 |
| Return on assets (ROA) | 0.8275% | 3,313 |
| Pretax return on assets | 1.3434% | 2,235 |
| Return on Equity (ROE) | 6.3843% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.3829% | 2,476 |
| Net charge-offs to loans | 0.1274% | 1,399 |
| Credit loss provision to net charge-offs | 52.0000% | 2,543 |
| Earnings coverage of net charge-offs (x) | 17.0800% | 1,944 |
| Efficiency ratio | 67.5038% | 3,095 |
| Assets per employee ($millions) | 4.9514% | 2,450 |
| Cash dividends to net income (ytd only)* | 15.6863% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,759 |
| Loan loss allowance to noncurrent loans | 116.4969% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 2,146 |
| Noncurrent loans to loans | 1.2451% | 1,556 |
| Net loans and leases to total assets | 65.4072% | 3,193 |
| Net loans and leases to deposits | 86.2204% | 2,190 |
| Net loans and leases to core deposits | 92.5883% | 2,289 |
| Total domestic deposits to total assets | 75.8604% | 5,110 |
| Equity capital to assets | 13.6341% | 1,095 |
| Core capital (leverage) ratio | 13.5600% | 979 |
| Tier 1 risk-based capital ratio | 20.9626% | 1,190 |
| Total risk-based capital ratio | 22.2150% | 1,162 |
| Memoranda: | ||
| Average total assets | $61,632,670 | 5,027 |
| Average earning assets | $58,537,330 | 4,986 |
| Average equity | $7,988,330 | 4,863 |
| Average total loans | $39,246,670 | 4,833 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,044 |
| Cost of funding earning assets | 0.4022% | 2,973 |
| Net interest margin | 3.8677% | 1,896 |
| Noninterest income to average assets | 0.3443% | 4,091 |
| Noninterest expense to average assets | 2.7925% | 2,822 |
| Loan and lease loss provision to assets | 0.0446% | 2,906 |
| Net operating income to assets | 0.7141% | 3,645 |
| Return on assets (ROA) | 0.7141% | 3,685 |
| Pretax return on assets | 1.1858% | 2,651 |
| Return on Equity (ROE) | 5.6480% | 4,063 |
| Retained earnings to average equity (ytd only) | 4.6394% | 3,092 |
| Net charge-offs to loans | 0.2656% | 689 |
| Credit loss provision to net charge-offs | 26.9231% | 2,133 |
| Earnings coverage of net charge-offs (x) | 7.4231% | 2,137 |
| Efficiency ratio | 69.4136% | 2,983 |
| Assets per employee ($millions) | 6.2357% | 1,337 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,898 |
| Loan loss allowance to noncurrent loans | 114.1414% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8483% | 2,180 |
| Noncurrent loans to loans | 1.2625% | 1,595 |
| Net loans and leases to total assets | 61.9706% | 3,539 |
| Net loans and leases to deposits | 83.1569% | 2,376 |
| Net loans and leases to core deposits | 91.7777% | 2,185 |
| Total domestic deposits to total assets | 74.5225% | 5,375 |
| Equity capital to assets | 12.7941% | 1,354 |
| Core capital (leverage) ratio | 13.0522% | 1,124 |
| Tier 1 risk-based capital ratio | 19.1733% | 1,570 |
| Total risk-based capital ratio | 20.4254% | 1,535 |
| Memoranda: | ||
| Average total assets | $62,740,500 | 5,055 |
| Average earning assets | $59,673,000 | 5,010 |
| Average equity | $7,932,000 | 4,914 |
| Average total loans | $39,152,500 | 4,880 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6538% | 1,159 |
| Cost of funding earning assets | 0.4081% | 2,924 |
| Net interest margin | 4.2457% | 1,021 |
| Noninterest income to average assets | 0.1579% | 5,422 |
| Noninterest expense to average assets | 3.0796% | 2,097 |
| Loan and lease loss provision to assets | 0.0183% | 4,010 |
| Net operating income to assets | 0.6930% | 3,817 |
| Return on assets (ROA) | 0.6930% | 3,923 |
| Pretax return on assets | 1.0886% | 3,146 |
| Return on Equity (ROE) | 5.4178% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.8722% | 2,431 |
| Net charge-offs to loans | -0.0025% | 4,727 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5609% | 2,342 |
| Assets per employee ($millions) | 5.2603% | 2,105 |
| Cash dividends to net income (ytd only)* | 10.0719% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,693 |
| Loan loss allowance to noncurrent loans | 117.9798% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 2,237 |
| Noncurrent loans to loans | 1.2661% | 1,619 |
| Net loans and leases to total assets | 61.0117% | 3,729 |
| Net loans and leases to deposits | 81.3901% | 2,745 |
| Net loans and leases to core deposits | 89.6548% | 2,537 |
| Total domestic deposits to total assets | 74.9620% | 5,357 |
| Equity capital to assets | 12.4929% | 1,531 |
| Core capital (leverage) ratio | 13.1710% | 1,071 |
| Tier 1 risk-based capital ratio | 17.0269% | 2,151 |
| Total risk-based capital ratio | 18.2770% | 2,104 |
| Memoranda: | ||
| Average total assets | $60,170,400 | 5,136 |
| Average earning assets | $57,093,400 | 5,101 |
| Average equity | $7,696,800 | 4,981 |
| Average total loans | $40,406,200 | 4,865 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 939 |
| Cost of funding earning assets | 0.4092% | 2,933 |
| Net interest margin | 4.3693% | 819 |
| Noninterest income to average assets | 0.1750% | 5,400 |
| Noninterest expense to average assets | 3.1251% | 1,962 |
| Loan and lease loss provision to assets | 0.0090% | 4,060 |
| Net operating income to assets | 0.7426% | 3,634 |
| Return on assets (ROA) | 0.7426% | 3,766 |
| Pretax return on assets | 1.1845% | 2,893 |
| Return on Equity (ROE) | 5.7693% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.2986% | 2,627 |
| Net charge-offs to loans | -0.0033% | 4,543 |
| Credit loss provision to net charge-offs | -400.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3636% | 2,521 |
| Assets per employee ($millions) | 4.9430% | 2,429 |
| Cash dividends to net income (ytd only)* | 8.1573% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,114 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.8810% | 3,144 |
| Net loans and leases to deposits | 89.8737% | 1,774 |
| Net loans and leases to core deposits | 99.8926% | 1,645 |
| Total domestic deposits to total assets | 73.3040% | 5,494 |
| Equity capital to assets | 13.1752% | 1,400 |
| Core capital (leverage) ratio | 13.0896% | 1,155 |
| Tier 1 risk-based capital ratio | 17.2841% | 2,133 |
| Total risk-based capital ratio | 18.5337% | 2,095 |
| Memoranda: | ||
| Average total assets | $59,432,000 | 5,198 |
| Average earning assets | $56,362,250 | 5,162 |
| Average equity | $7,649,500 | 5,039 |
| Average total loans | $40,733,500 | 4,898 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 826 |
| Cost of funding earning assets | 0.3967% | 3,079 |
| Net interest margin | 4.4347% | 709 |
| Noninterest income to average assets | 0.1682% | 5,483 |
| Noninterest expense to average assets | 3.2285% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6390% | 4,100 |
| Return on assets (ROA) | 0.6390% | 4,241 |
| Pretax return on assets | 1.1501% | 2,986 |
| Return on Equity (ROE) | 5.0037% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.2927% | 3,188 |
| Net charge-offs to loans | -0.0049% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7327% | 2,400 |
| Assets per employee ($millions) | 4.7035% | 2,707 |
| Cash dividends to net income (ytd only)* | 14.2105% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,910.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 4,995 |
| Noncurrent loans to loans | 0.0744% | 5,154 |
| Net loans and leases to total assets | 65.0312% | 3,226 |
| Net loans and leases to deposits | 87.6573% | 2,046 |
| Net loans and leases to core deposits | 96.3695% | 1,946 |
| Total domestic deposits to total assets | 74.1880% | 5,501 |
| Equity capital to assets | 12.5503% | 1,740 |
| Core capital (leverage) ratio | 12.8047% | 1,228 |
| Tier 1 risk-based capital ratio | 18.6488% | 1,767 |
| Total risk-based capital ratio | 19.9004% | 1,731 |
| Memoranda: | ||
| Average total assets | $59,470,670 | 5,250 |
| Average earning assets | $56,463,670 | 5,210 |
| Average equity | $7,594,330 | 5,088 |
| Average total loans | $41,093,000 | 4,935 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 620 |
| Cost of funding earning assets | 0.3952% | 3,136 |
| Net interest margin | 4.5705% | 530 |
| Noninterest income to average assets | 0.1637% | 5,514 |
| Noninterest expense to average assets | 3.2064% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7709% | 3,393 |
| Return on assets (ROA) | 0.7709% | 3,498 |
| Pretax return on assets | 1.2962% | 2,323 |
| Return on Equity (ROE) | 5.9832% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.6065% | 3,170 |
| Net charge-offs to loans | -0.0096% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2121% | 2,915 |
| Assets per employee ($millions) | 4.4972% | 3,072 |
| Cash dividends to net income (ytd only)* | 23.0088% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,463 |
| Loan loss allowance to noncurrent loans | 682.1429% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 5,000 |
| Noncurrent loans to loans | 0.2040% | 4,690 |
| Net loans and leases to total assets | 69.4650% | 2,430 |
| Net loans and leases to deposits | 95.2417% | 1,017 |
| Net loans and leases to core deposits | 102.7086% | 1,283 |
| Total domestic deposits to total assets | 72.9355% | 5,712 |
| Equity capital to assets | 12.9960% | 1,411 |
| Core capital (leverage) ratio | 13.0572% | 1,137 |
| Tier 1 risk-based capital ratio | 21.1891% | 1,281 |
| Total risk-based capital ratio | 22.4413% | 1,255 |
| Memoranda: | ||
| Average total assets | $58,633,000 | 5,321 |
| Average earning assets | $55,661,500 | 5,277 |
| Average equity | $7,554,500 | 5,131 |
| Average total loans | $41,471,000 | 4,958 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 468 |
| Cost of funding earning assets | 0.4013% | 3,145 |
| Net interest margin | 4.7512% | 416 |
| Noninterest income to average assets | 0.2155% | 5,303 |
| Noninterest expense to average assets | 3.3502% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8533% | 3,091 |
| Return on assets (ROA) | 0.8533% | 3,166 |
| Pretax return on assets | 1.3667% | 2,041 |
| Return on Equity (ROE) | 6.7076% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.4322% | 1,580 |
| Net charge-offs to loans | -0.0079% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0253% | 3,066 |
| Assets per employee ($millions) | 4.5232% | 3,004 |
| Cash dividends to net income (ytd only)* | 4.1068% | 4,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 2,557 |
| Loan loss allowance to noncurrent loans | 628.5714% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,974 |
| Noncurrent loans to loans | 0.2179% | 4,640 |
| Net loans and leases to total assets | 70.0401% | 2,362 |
| Net loans and leases to deposits | 99.6227% | 702 |
| Net loans and leases to core deposits | 107.6985% | 986 |
| Total domestic deposits to total assets | 70.3054% | 5,880 |
| Equity capital to assets | 12.7734% | 1,473 |
| Core capital (leverage) ratio | 12.6916% | 1,271 |
| Tier 1 risk-based capital ratio | 20.8697% | 1,321 |
| Total risk-based capital ratio | 22.1228% | 1,296 |
| Memoranda: | ||
| Average total assets | $57,070,400 | 5,377 |
| Average earning assets | $54,070,800 | 5,340 |
| Average equity | $7,260,400 | 5,198 |
| Average total loans | $37,852,200 | 5,092 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 490 |
| Cost of funding earning assets | 0.4027% | 3,200 |
| Net interest margin | 4.7251% | 436 |
| Noninterest income to average assets | 0.2425% | 5,194 |
| Noninterest expense to average assets | 3.3640% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8804% | 3,040 |
| Return on assets (ROA) | 0.8804% | 3,123 |
| Pretax return on assets | 1.3536% | 2,199 |
| Return on Equity (ROE) | 6.9279% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.5575% | 1,918 |
| Net charge-offs to loans | -0.0108% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3074% | 2,992 |
| Assets per employee ($millions) | 4.9448% | 2,365 |
| Cash dividends to net income (ytd only)* | 5.3484% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,808 |
| Loan loss allowance to noncurrent loans | 336.4706% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,016 |
| Noncurrent loans to loans | 0.4034% | 4,167 |
| Net loans and leases to total assets | 70.0613% | 2,375 |
| Net loans and leases to deposits | 97.7613% | 834 |
| Net loans and leases to core deposits | 105.4483% | 1,137 |
| Total domestic deposits to total assets | 71.6657% | 5,887 |
| Equity capital to assets | 12.4676% | 1,763 |
| Core capital (leverage) ratio | 12.7695% | 1,289 |
| Tier 1 risk-based capital ratio | 20.0973% | 1,516 |
| Total risk-based capital ratio | 21.3496% | 1,487 |
| Memoranda: | ||
| Average total assets | $56,637,500 | 5,463 |
| Average earning assets | $53,641,500 | 5,416 |
| Average equity | $7,197,750 | 5,280 |
| Average total loans | $36,876,000 | 5,181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 564 |
| Cost of funding earning assets | 0.4134% | 3,118 |
| Net interest margin | 4.6230% | 514 |
| Noninterest income to average assets | 0.2871% | 4,908 |
| Noninterest expense to average assets | 3.5201% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7607% | 3,588 |
| Return on assets (ROA) | 0.7607% | 3,688 |
| Pretax return on assets | 1.1411% | 3,004 |
| Return on Equity (ROE) | 5.9459% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.9459% | 2,274 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5196% | 2,450 |
| Assets per employee ($millions) | 4.5156% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,744 |
| Loan loss allowance to noncurrent loans | 321.4689% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 4,102 |
| Noncurrent loans to loans | 0.4365% | 4,173 |
| Net loans and leases to total assets | 68.1090% | 2,624 |
| Net loans and leases to deposits | 91.5276% | 1,420 |
| Net loans and leases to core deposits | 98.5191% | 1,611 |
| Total domestic deposits to total assets | 74.4136% | 5,756 |
| Equity capital to assets | 12.3605% | 1,760 |
| Core capital (leverage) ratio | 12.7100% | 1,292 |
| Tier 1 risk-based capital ratio | 18.1070% | 2,037 |
| Total risk-based capital ratio | 19.3597% | 1,992 |
| Memoranda: | ||
| Average total assets | $55,737,330 | 5,542 |
| Average earning assets | $52,736,000 | 5,492 |
| Average equity | $7,131,000 | 5,335 |
| Average total loans | $35,119,670 | 5,288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 509 |
| Cost of funding earning assets | 0.4465% | 2,806 |
| Net interest margin | 4.6222% | 479 |
| Noninterest income to average assets | 0.1475% | 5,855 |
| Noninterest expense to average assets | 3.6716% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3613% | 5,216 |
| Return on assets (ROA) | 0.3613% | 5,333 |
| Pretax return on assets | 0.5972% | 4,921 |
| Return on Equity (ROE) | 2.7729% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.7729% | 4,292 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0104% | 1,183 |
| Assets per employee ($millions) | 4.0354% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 1,661 |
| Loan loss allowance to noncurrent loans | 218.0077% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 4,085 |
| Noncurrent loans to loans | 0.7949% | 3,258 |
| Net loans and leases to total assets | 57.1095% | 4,077 |
| Net loans and leases to deposits | 74.1531% | 3,289 |
| Net loans and leases to core deposits | 79.8416% | 3,184 |
| Total domestic deposits to total assets | 77.0157% | 5,607 |
| Equity capital to assets | 12.5551% | 1,659 |
| Core capital (leverage) ratio | 13.3452% | 1,033 |
| Tier 1 risk-based capital ratio | 13.0894% | 4,557 |
| Total risk-based capital ratio | 13.0894% | 5,235 |
| Memoranda: | ||
| Average total assets | $54,254,500 | 5,635 |
| Average earning assets | $48,375,000 | 5,649 |
| Average equity | $7,068,500 | 5,390 |
| Average total loans | $32,404,000 | 5,424 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 423 |
| Cost of funding earning assets | 0.5404% | 2,283 |
| Net interest margin | 4.7965% | 437 |
| Noninterest income to average assets | 0.1983% | 5,671 |
| Noninterest expense to average assets | 3.8314% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4996% | 4,811 |
| Return on assets (ROA) | 0.4996% | 4,900 |
| Pretax return on assets | 0.8009% | 4,257 |
| Return on Equity (ROE) | 3.7147% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.7147% | 3,572 |
| Net charge-offs to loans | 0.0063% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 258 |
| Efficiency ratio | 82.7109% | 1,567 |
| Assets per employee ($millions) | 4.0011% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 1,576 |
| Loan loss allowance to noncurrent loans | 209.9631% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 3,982 |
| Noncurrent loans to loans | 0.8475% | 3,193 |
| Net loans and leases to total assets | 60.3799% | 3,738 |
| Net loans and leases to deposits | 80.8038% | 2,621 |
| Net loans and leases to core deposits | 87.8072% | 2,521 |
| Total domestic deposits to total assets | 74.7241% | 5,883 |
| Equity capital to assets | 13.5425% | 1,145 |
| Core capital (leverage) ratio | 13.6016% | 936 |
| Tier 1 risk-based capital ratio | 18.0477% | 2,122 |
| Total risk-based capital ratio | 19.3005% | 2,085 |
| Memoranda: | ||
| Average total assets | $51,443,800 | 5,756 |
| Average earning assets | $47,555,400 | 5,734 |
| Average equity | $6,918,400 | 5,435 |
| Average total loans | $31,726,800 | 5,495 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 404 |
| Cost of funding earning assets | 0.5622% | 2,173 |
| Net interest margin | 4.7987% | 429 |
| Noninterest income to average assets | 0.2027% | 5,715 |
| Noninterest expense to average assets | 3.8335% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4912% | 4,904 |
| Return on assets (ROA) | 0.4912% | 4,970 |
| Pretax return on assets | 0.8057% | 4,347 |
| Return on Equity (ROE) | 3.6589% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.6589% | 4,042 |
| Net charge-offs to loans | 0.0084% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 154.8015% | 402 |
| Efficiency ratio | 82.6331% | 1,532 |
| Assets per employee ($millions) | 3.9549% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7666% | 1,776 |
| Loan loss allowance to noncurrent loans | 199.6491% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 4,106 |
| Noncurrent loans to loans | 0.8849% | 3,358 |
| Net loans and leases to total assets | 61.5377% | 3,556 |
| Net loans and leases to deposits | 91.2944% | 1,296 |
| Net loans and leases to core deposits | 100.2630% | 1,346 |
| Total domestic deposits to total assets | 67.4058% | 6,367 |
| Equity capital to assets | 13.5683% | 1,152 |
| Core capital (leverage) ratio | 13.4875% | 1,000 |
| Tier 1 risk-based capital ratio | 17.9854% | 2,213 |
| Total risk-based capital ratio | 19.2229% | 2,178 |
| Memoranda: | ||
| Average total assets | $51,301,250 | 5,824 |
| Average earning assets | $47,428,750 | 5,805 |
| Average equity | $6,887,000 | 5,491 |
| Average total loans | $31,664,750 | 5,552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 369 |
| Cost of funding earning assets | 0.5860% | 2,017 |
| Net interest margin | 4.8153% | 403 |
| Noninterest income to average assets | 0.1990% | 5,768 |
| Noninterest expense to average assets | 3.7531% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4994% | 4,810 |
| Return on assets (ROA) | 0.4994% | 4,894 |
| Pretax return on assets | 0.8700% | 3,997 |
| Return on Equity (ROE) | 3.7332% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.7332% | 3,819 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1814% | 1,855 |
| Assets per employee ($millions) | 3.8920% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 1,902 |
| Loan loss allowance to noncurrent loans | 191.6107% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 4,130 |
| Noncurrent loans to loans | 0.9276% | 3,395 |
| Net loans and leases to total assets | 62.3646% | 3,347 |
| Net loans and leases to deposits | 85.0902% | 1,920 |
| Net loans and leases to core deposits | 93.5432% | 1,812 |
| Total domestic deposits to total assets | 73.2924% | 6,166 |
| Equity capital to assets | 13.6671% | 1,098 |
| Core capital (leverage) ratio | 13.4803% | 983 |
| Tier 1 risk-based capital ratio | 17.8093% | 2,306 |
| Total risk-based capital ratio | 19.0610% | 2,277 |
| Memoranda: | ||
| Average total assets | $51,263,670 | 5,872 |
| Average earning assets | $47,099,670 | 5,858 |
| Average equity | $6,857,330 | 5,523 |
| Average total loans | $31,483,670 | 5,607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 246 |
| Cost of funding earning assets | 0.6117% | 1,879 |
| Net interest margin | 5.0213% | 260 |
| Noninterest income to average assets | 0.2016% | 5,744 |
| Noninterest expense to average assets | 3.6823% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6434% | 3,980 |
| Return on assets (ROA) | 0.6434% | 4,071 |
| Pretax return on assets | 1.1008% | 2,892 |
| Return on Equity (ROE) | 4.8620% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.8620% | 3,197 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9854% | 2,653 |
| Assets per employee ($millions) | 3.9613% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7820% | 2,096 |
| Loan loss allowance to noncurrent loans | 182.4281% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,314 |
| Noncurrent loans to loans | 0.9768% | 3,472 |
| Net loans and leases to total assets | 61.1123% | 3,376 |
| Net loans and leases to deposits | 83.3360% | 1,901 |
| Net loans and leases to core deposits | 91.4509% | 1,783 |
| Total domestic deposits to total assets | 73.3324% | 6,289 |
| Equity capital to assets | 13.3406% | 1,162 |
| Core capital (leverage) ratio | 13.3395% | 1,022 |
| Tier 1 risk-based capital ratio | 17.3814% | 2,522 |
| Total risk-based capital ratio | 18.6338% | 2,491 |
| Memoranda: | ||
| Average total assets | $51,597,500 | 5,920 |
| Average earning assets | $47,079,000 | 5,920 |
| Average equity | $6,828,500 | 5,560 |
| Average total loans | $31,163,000 | 5,667 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 314 |
| Cost of funding earning assets | 0.6545% | 2,175 |
| Net interest margin | 4.9356% | 334 |
| Noninterest income to average assets | 0.1929% | 5,935 |
| Noninterest expense to average assets | 3.4741% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8213% | 3,181 |
| Return on assets (ROA) | 0.8213% | 3,277 |
| Pretax return on assets | 1.2128% | 2,527 |
| Return on Equity (ROE) | 6.2631% | 3,934 |
| Retained earnings to average equity (ytd only) | 0.6991% | 5,519 |
| Net charge-offs to loans | 0.0426% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 48.8462% | 811 |
| Efficiency ratio | 74.1239% | 3,110 |
| Assets per employee ($millions) | 3.6927% | 4,494 |
| Cash dividends to net income (ytd only)* | 88.8372% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.4742% | 4,126 |
| Net loans and leases to deposits | 78.4129% | 2,676 |
| Net loans and leases to core deposits | 86.0199% | 2,442 |
| Total domestic deposits to total assets | 73.2968% | 6,328 |
| Equity capital to assets | 13.1282% | 1,217 |
| Core capital (leverage) ratio | 12.6898% | 1,260 |
| Tier 1 risk-based capital ratio | 17.1251% | 2,552 |
| Total risk-based capital ratio | 18.3718% | 2,528 |
| Memoranda: | ||
| Average total assets | $52,358,600 | 5,960 |
| Average earning assets | $47,673,600 | 5,945 |
| Average equity | $6,865,600 | 5,606 |
| Average total loans | $30,546,200 | 5,735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6494% | 295 |
| Cost of funding earning assets | 0.6624% | 2,241 |
| Net interest margin | 4.9871% | 323 |
| Noninterest income to average assets | 0.1828% | 6,096 |
| Noninterest expense to average assets | 3.3813% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9139% | 2,763 |
| Return on assets (ROA) | 0.9139% | 2,869 |
| Pretax return on assets | 1.3505% | 2,125 |
| Return on Equity (ROE) | 6.9713% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.7125% | 2,586 |
| Net charge-offs to loans | 0.0566% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 40.9302% | 987 |
| Efficiency ratio | 71.4592% | 3,519 |
| Assets per employee ($millions) | 3.8172% | 4,196 |
| Cash dividends to net income (ytd only)* | 18.0545% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.1434% | 4,153 |
| Net loans and leases to deposits | 78.0384% | 2,662 |
| Net loans and leases to core deposits | 85.3470% | 2,485 |
| Total domestic deposits to total assets | 73.2247% | 6,420 |
| Equity capital to assets | 13.1622% | 1,260 |
| Core capital (leverage) ratio | 13.3731% | 1,073 |
| Tier 1 risk-based capital ratio | 17.0836% | 2,672 |
| Total risk-based capital ratio | 18.3271% | 2,642 |
| Memoranda: | ||
| Average total assets | $52,523,750 | 6,020 |
| Average earning assets | $47,909,250 | 6,010 |
| Average equity | $6,885,250 | 5,671 |
| Average total loans | $30,611,750 | 5,781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 339 |
| Cost of funding earning assets | 0.6709% | 2,308 |
| Net interest margin | 4.9049% | 364 |
| Noninterest income to average assets | 0.1838% | 6,103 |
| Noninterest expense to average assets | 3.3398% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9614% | 2,504 |
| Return on assets (ROA) | 0.9614% | 2,654 |
| Pretax return on assets | 1.3520% | 2,112 |
| Return on Equity (ROE) | 7.3438% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.0272% | 2,422 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1837% | 3,616 |
| Assets per employee ($millions) | 3.2363% | 5,400 |
| Cash dividends to net income (ytd only)* | 17.9283% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 1,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.9097% | 4,597 |
| Net loans and leases to deposits | 74.7790% | 3,045 |
| Net loans and leases to core deposits | 82.1537% | 2,785 |
| Total domestic deposits to total assets | 72.0921% | 6,558 |
| Equity capital to assets | 13.4123% | 1,179 |
| Core capital (leverage) ratio | 13.3478% | 1,039 |
| Tier 1 risk-based capital ratio | 17.8241% | 2,386 |
| Total risk-based capital ratio | 19.0766% | 2,349 |
| Memoranda: | ||
| Average total assets | $52,218,000 | 6,068 |
| Average earning assets | $47,993,000 | 6,042 |
| Average equity | $6,835,670 | 5,729 |
| Average total loans | $30,446,000 | 5,823 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4332% | 411 |
| Cost of funding earning assets | 0.6578% | 2,585 |
| Net interest margin | 4.7753% | 419 |
| Noninterest income to average assets | 0.1831% | 6,168 |
| Noninterest expense to average assets | 3.3641% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7933% | 3,202 |
| Return on assets (ROA) | 0.7933% | 3,337 |
| Pretax return on assets | 1.3044% | 2,213 |
| Return on Equity (ROE) | 6.1348% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.9550% | 3,263 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0588% | 3,603 |
| Assets per employee ($millions) | 3.2579% | 5,527 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 2,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.6836% | 3,670 |
| Net loans and leases to deposits | 81.5385% | 1,890 |
| Net loans and leases to core deposits | 89.5361% | 1,747 |
| Total domestic deposits to total assets | 71.9704% | 6,660 |
| Equity capital to assets | 13.0892% | 1,391 |
| Core capital (leverage) ratio | 13.0054% | 1,110 |
| Tier 1 risk-based capital ratio | 17.6574% | 2,500 |
| Total risk-based capital ratio | 18.9100% | 2,462 |
| Memoranda: | ||
| Average total assets | $52,436,500 | 6,114 |
| Average earning assets | $49,253,000 | 6,065 |
| Average equity | $6,781,000 | 5,796 |
| Average total loans | $31,419,500 | 5,826 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9919% | 266 |
| Cost of funding earning assets | 0.7677% | 2,938 |
| Net interest margin | 5.2242% | 262 |
| Noninterest income to average assets | 0.2052% | 5,945 |
| Noninterest expense to average assets | 3.4631% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9724% | 2,452 |
| Return on assets (ROA) | 0.9724% | 2,682 |
| Pretax return on assets | 1.5422% | 1,553 |
| Return on Equity (ROE) | 7.4759% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.7100% | 1,712 |
| Net charge-offs to loans | -0.0155% | 6,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1879% | 3,943 |
| Assets per employee ($millions) | 3.2966% | 5,425 |
| Cash dividends to net income (ytd only)* | 10.2459% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.9258% | 3,814 |
| Net loans and leases to deposits | 81.6417% | 2,056 |
| Net loans and leases to core deposits | 89.5216% | 1,889 |
| Total domestic deposits to total assets | 72.1761% | 6,684 |
| Equity capital to assets | 12.7763% | 1,549 |
| Core capital (leverage) ratio | 12.7556% | 1,219 |
| Tier 1 risk-based capital ratio | 17.4383% | 2,472 |
| Total risk-based capital ratio | 18.6832% | 2,449 |
| Memoranda: | ||
| Average total assets | $50,186,800 | 6,209 |
| Average earning assets | $46,112,400 | 6,177 |
| Average equity | $6,527,600 | 5,886 |
| Average total loans | $32,358,000 | 5,834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0753% | 259 |
| Cost of funding earning assets | 0.7967% | 2,974 |
| Net interest margin | 5.2786% | 253 |
| Noninterest income to average assets | 0.2045% | 6,065 |
| Noninterest expense to average assets | 3.3826% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0522% | 2,276 |
| Return on assets (ROA) | 1.0522% | 2,493 |
| Pretax return on assets | 1.6361% | 1,464 |
| Return on Equity (ROE) | 8.0516% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.0220% | 2,115 |
| Net charge-offs to loans | -0.0123% | 6,403 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3995% | 4,197 |
| Assets per employee ($millions) | 3.1295% | 5,783 |
| Cash dividends to net income (ytd only)* | 12.7887% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 61.9128% | 3,395 |
| Net loans and leases to deposits | 84.2098% | 1,844 |
| Net loans and leases to core deposits | 93.3681% | 1,639 |
| Total domestic deposits to total assets | 73.5221% | 6,638 |
| Equity capital to assets | 13.2649% | 1,467 |
| Core capital (leverage) ratio | 13.8346% | 889 |
| Tier 1 risk-based capital ratio | 17.2766% | 2,617 |
| Total risk-based capital ratio | 18.5304% | 2,573 |
| Memoranda: | ||
| Average total assets | $49,547,000 | 6,297 |
| Average earning assets | $45,187,500 | 6,271 |
| Average equity | $6,474,750 | 5,967 |
| Average total loans | $32,531,250 | 5,900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2052% | 217 |
| Cost of funding earning assets | 0.8608% | 2,723 |
| Net interest margin | 5.3443% | 230 |
| Noninterest income to average assets | 0.2228% | 5,976 |
| Noninterest expense to average assets | 3.4027% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0775% | 2,134 |
| Return on assets (ROA) | 1.0775% | 2,356 |
| Pretax return on assets | 1.6487% | 1,405 |
| Return on Equity (ROE) | 8.2879% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.7300% | 2,255 |
| Net charge-offs to loans | -0.0122% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3617% | 4,262 |
| Assets per employee ($millions) | 3.1977% | 5,650 |
| Cash dividends to net income (ytd only)* | 18.7970% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 2,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 66.3407% | 2,603 |
| Net loans and leases to deposits | 87.4323% | 1,428 |
| Net loans and leases to core deposits | 97.0626% | 1,343 |
| Total domestic deposits to total assets | 75.8767% | 6,481 |
| Equity capital to assets | 13.5867% | 1,269 |
| Core capital (leverage) ratio | 13.4863% | 984 |
| Tier 1 risk-based capital ratio | 16.9049% | 2,715 |
| Total risk-based capital ratio | 18.1396% | 2,682 |
| Memoranda: | ||
| Average total assets | $49,372,000 | 6,336 |
| Average earning assets | $44,608,000 | 6,330 |
| Average equity | $6,419,000 | 6,008 |
| Average total loans | $32,847,330 | 5,916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3503% | 194 |
| Cost of funding earning assets | 0.8944% | 2,735 |
| Net interest margin | 5.4559% | 201 |
| Noninterest income to average assets | 0.2157% | 6,074 |
| Noninterest expense to average assets | 3.2911% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1023% | 2,075 |
| Return on assets (ROA) | 1.1023% | 2,260 |
| Pretax return on assets | 1.7973% | 1,071 |
| Return on Equity (ROE) | 8.6656% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.6656% | 1,713 |
| Net charge-offs to loans | -0.0242% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6782% | 4,802 |
| Assets per employee ($millions) | 3.0069% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 2,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 65.6662% | 2,527 |
| Net loans and leases to deposits | 86.8485% | 1,312 |
| Net loans and leases to core deposits | 94.9707% | 1,377 |
| Total domestic deposits to total assets | 75.6101% | 6,582 |
| Equity capital to assets | 13.3839% | 1,283 |
| Core capital (leverage) ratio | 13.0778% | 1,098 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,649 |
| Total risk-based capital ratio | 18.3393% | 2,612 |
| Memoranda: | ||
| Average total assets | $50,075,000 | 6,368 |
| Average earning assets | $44,722,500 | 6,371 |
| Average equity | $6,370,000 | 6,057 |
| Average total loans | $33,070,000 | 5,955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1376% | 344 |
| Cost of funding earning assets | 1.0997% | 2,678 |
| Net interest margin | 5.0379% | 383 |
| Noninterest income to average assets | 0.2206% | 5,950 |
| Noninterest expense to average assets | 3.2069% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0537% | 1,991 |
| Return on assets (ROA) | 1.0537% | 2,131 |
| Pretax return on assets | 1.6757% | 1,046 |
| Return on Equity (ROE) | 8.5875% | 2,638 |
| Retained earnings to average equity (ytd only) | 0.2170% | 5,732 |
| Net charge-offs to loans | 0.0112% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 220.2500% | 153 |
| Efficiency ratio | 65.6798% | 4,834 |
| Assets per employee ($millions) | 3.0612% | 5,972 |
| Cash dividends to net income (ytd only)* | 97.4729% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 64.1583% | 3,155 |
| Net loans and leases to deposits | 85.4022% | 1,744 |
| Net loans and leases to core deposits | 92.7857% | 1,815 |
| Total domestic deposits to total assets | 75.1249% | 6,586 |
| Equity capital to assets | 12.1080% | 2,039 |
| Core capital (leverage) ratio | 12.0301% | 1,573 |
| Tier 1 risk-based capital ratio | 14.7333% | 3,805 |
| Total risk-based capital ratio | 15.9843% | 3,780 |
| Memoranda: | ||
| Average total assets | $52,574,600 | 6,284 |
| Average earning assets | $48,650,800 | 6,236 |
| Average equity | $6,451,200 | 6,028 |
| Average total loans | $35,589,600 | 5,888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 393 |
| Cost of funding earning assets | 1.1120% | 2,895 |
| Net interest margin | 4.9809% | 431 |
| Noninterest income to average assets | 0.2150% | 6,070 |
| Noninterest expense to average assets | 3.1847% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0902% | 2,010 |
| Return on assets (ROA) | 1.0902% | 2,151 |
| Pretax return on assets | 1.6872% | 1,168 |
| Return on Equity (ROE) | 8.8561% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.0342% | 1,497 |
| Net charge-offs to loans | 0.0148% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 166.8499% | 231 |
| Efficiency ratio | 65.3686% | 4,834 |
| Assets per employee ($millions) | 3.1047% | 5,888 |
| Cash dividends to net income (ytd only)* | 9.2804% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 67.5294% | 2,566 |
| Net loans and leases to deposits | 90.7337% | 1,133 |
| Net loans and leases to core deposits | 98.5212% | 1,388 |
| Total domestic deposits to total assets | 74.4259% | 6,711 |
| Equity capital to assets | 12.6525% | 1,819 |
| Core capital (leverage) ratio | 12.6181% | 1,381 |
| Tier 1 risk-based capital ratio | 15.5028% | 3,385 |
| Total risk-based capital ratio | 16.7541% | 3,356 |
| Memoranda: | ||
| Average total assets | $52,708,250 | 6,325 |
| Average earning assets | $49,280,250 | 6,275 |
| Average equity | $6,488,750 | 6,060 |
| Average total loans | $35,995,250 | 5,921 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0430% | 443 |
| Cost of funding earning assets | 1.1207% | 3,095 |
| Net interest margin | 4.9223% | 462 |
| Noninterest income to average assets | 0.2240% | 6,071 |
| Noninterest expense to average assets | 3.1660% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1009% | 1,869 |
| Return on assets (ROA) | 1.1009% | 1,956 |
| Pretax return on assets | 1.6931% | 1,070 |
| Return on Equity (ROE) | 9.0263% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.0263% | 1,101 |
| Net charge-offs to loans | 0.0223% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 328 |
| Efficiency ratio | 65.1563% | 5,034 |
| Assets per employee ($millions) | 3.5067% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.5380% | 2,705 |
| Net loans and leases to deposits | 91.0057% | 1,157 |
| Net loans and leases to core deposits | 98.1842% | 1,491 |
| Total domestic deposits to total assets | 74.2129% | 6,813 |
| Equity capital to assets | 12.5038% | 1,777 |
| Core capital (leverage) ratio | 12.3956% | 1,405 |
| Tier 1 risk-based capital ratio | 15.2059% | 3,391 |
| Total risk-based capital ratio | 16.4520% | 3,360 |
| Memoranda: | ||
| Average total assets | $52,684,330 | 6,382 |
| Average earning assets | $49,611,330 | 6,311 |
| Average equity | $6,425,670 | 6,110 |
| Average total loans | $35,920,000 | 5,973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8989% | 599 |
| Cost of funding earning assets | 1.1573% | 3,104 |
| Net interest margin | 4.7416% | 650 |
| Noninterest income to average assets | 0.2655% | 5,772 |
| Noninterest expense to average assets | 3.1787% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9559% | 2,333 |
| Return on assets (ROA) | 0.9559% | 2,396 |
| Pretax return on assets | 1.5628% | 1,273 |
| Return on Equity (ROE) | 7.9370% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.9370% | 1,756 |
| Net charge-offs to loans | 0.0447% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 562 |
| Efficiency ratio | 67.0400% | 4,844 |
| Assets per employee ($millions) | 3.5181% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.0690% | 2,742 |
| Net loans and leases to deposits | 91.1040% | 1,104 |
| Net loans and leases to core deposits | 98.3275% | 1,492 |
| Total domestic deposits to total assets | 73.6181% | 6,936 |
| Equity capital to assets | 12.1525% | 1,828 |
| Core capital (leverage) ratio | 12.1583% | 1,476 |
| Tier 1 risk-based capital ratio | 14.8449% | 3,511 |
| Total risk-based capital ratio | 16.0880% | 3,479 |
| Memoranda: | ||
| Average total assets | $52,726,500 | 6,428 |
| Average earning assets | $49,772,000 | 6,347 |
| Average equity | $6,350,000 | 6,139 |
| Average total loans | $35,828,000 | 6,032 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2341% | 530 |
| Cost of funding earning assets | 1.2793% | 4,022 |
| Net interest margin | 4.9548% | 480 |
| Noninterest income to average assets | 0.2086% | 6,308 |
| Noninterest expense to average assets | 3.4395% | 2,333 |
| Loan and lease loss provision to assets | -0.0263% | 7,579 |
| Net operating income to assets | 0.8751% | 2,482 |
| Return on assets (ROA) | 0.8751% | 2,624 |
| Pretax return on assets | 1.4240% | 1,583 |
| Return on Equity (ROE) | 7.1198% | 3,058 |
| Retained earnings to average equity (ytd only) | 6.0980% | 1,767 |
| Net charge-offs to loans | -0.0215% | 7,371 |
| Credit loss provision to net charge-offs | 185.7143% | 1,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1055% | 3,976 |
| Assets per employee ($millions) | 3.5121% | 4,911 |
| Cash dividends to net income (ytd only)* | 14.3519% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 66.6281% | 3,325 |
| Net loans and leases to deposits | 89.7609% | 1,559 |
| Net loans and leases to core deposits | 96.8277% | 1,911 |
| Total domestic deposits to total assets | 74.2284% | 6,862 |
| Equity capital to assets | 11.9339% | 1,950 |
| Core capital (leverage) ratio | 11.7661% | 1,696 |
| Tier 1 risk-based capital ratio | 14.3356% | 3,654 |
| Total risk-based capital ratio | 15.5783% | 3,611 |
| Memoranda: | ||
| Average total assets | $49,367,400 | 6,563 |
| Average earning assets | $46,117,200 | 6,508 |
| Average equity | $6,067,600 | 6,334 |
| Average total loans | $32,594,800 | 6,282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1838% | 635 |
| Cost of funding earning assets | 1.2879% | 4,306 |
| Net interest margin | 4.8959% | 558 |
| Noninterest income to average assets | 0.2225% | 6,312 |
| Noninterest expense to average assets | 3.5050% | 2,022 |
| Loan and lease loss provision to assets | -0.0357% | 7,686 |
| Net operating income to assets | 0.8323% | 2,873 |
| Return on assets (ROA) | 0.8323% | 3,008 |
| Pretax return on assets | 1.3267% | 2,101 |
| Return on Equity (ROE) | 6.7189% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.3441% | 2,743 |
| Net charge-offs to loans | -0.0251% | 7,382 |
| Credit loss provision to net charge-offs | 216.6667% | 1,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0813% | 3,506 |
| Assets per employee ($millions) | 3.3347% | 5,373 |
| Cash dividends to net income (ytd only)* | 20.4609% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 3,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.8560% | 3,498 |
| Net loans and leases to deposits | 89.8989% | 1,737 |
| Net loans and leases to core deposits | 96.2027% | 2,233 |
| Total domestic deposits to total assets | 74.3679% | 6,879 |
| Equity capital to assets | 11.5416% | 2,497 |
| Core capital (leverage) ratio | 11.7068% | 1,812 |
| Tier 1 risk-based capital ratio | 13.9239% | 3,896 |
| Total risk-based capital ratio | 15.1743% | 3,855 |
| Memoranda: | ||
| Average total assets | $48,538,750 | 6,668 |
| Average earning assets | $45,343,250 | 6,611 |
| Average equity | $6,012,750 | 6,441 |
| Average total loans | $31,822,500 | 6,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9377% | 1,088 |
| Cost of funding earning assets | 1.3002% | 4,539 |
| Net interest margin | 4.6376% | 916 |
| Noninterest income to average assets | 0.2216% | 6,333 |
| Noninterest expense to average assets | 3.6605% | 1,643 |
| Loan and lease loss provision to assets | -0.0554% | 7,761 |
| Net operating income to assets | 0.5668% | 4,013 |
| Return on assets (ROA) | 0.5668% | 4,160 |
| Pretax return on assets | 0.9332% | 3,374 |
| Return on Equity (ROE) | 4.4598% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.4539% | 3,908 |
| Net charge-offs to loans | -0.0395% | 7,409 |
| Credit loss provision to net charge-offs | 216.6667% | 1,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6573% | 2,348 |
| Assets per employee ($millions) | 2.8979% | 6,362 |
| Cash dividends to net income (ytd only)* | 22.5564% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 2,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.9162% | 4,702 |
| Net loans and leases to deposits | 85.9942% | 2,506 |
| Net loans and leases to core deposits | 92.7961% | 2,876 |
| Total domestic deposits to total assets | 72.0004% | 7,181 |
| Equity capital to assets | 12.2196% | 1,968 |
| Core capital (leverage) ratio | 12.3845% | 1,456 |
| Tier 1 risk-based capital ratio | 15.1706% | 3,072 |
| Total risk-based capital ratio | 16.4231% | 3,026 |
| Memoranda: | ||
| Average total assets | $46,933,330 | 6,764 |
| Average earning assets | $43,686,670 | 6,712 |
| Average equity | $5,964,330 | 6,478 |
| Average total loans | $30,345,670 | 6,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8706% | 1,269 |
| Cost of funding earning assets | 1.2910% | 4,865 |
| Net interest margin | 4.5797% | 993 |
| Noninterest income to average assets | 0.2360% | 6,264 |
| Noninterest expense to average assets | 3.6707% | 1,571 |
| Loan and lease loss provision to assets | 0.0350% | 6,326 |
| Net operating income to assets | 0.4283% | 4,719 |
| Return on assets (ROA) | 0.4283% | 4,853 |
| Pretax return on assets | 0.7778% | 3,962 |
| Return on Equity (ROE) | 3.3016% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.6278% | 4,569 |
| Net charge-offs to loans | 0.0534% | 4,870 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,059 |
| Efficiency ratio | 81.8713% | 2,284 |
| Assets per employee ($millions) | 2.7038% | 6,862 |
| Cash dividends to net income (ytd only)* | 20.4082% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 2,299 |
| Loan loss allowance to noncurrent loans | 1,436.5854% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 7,264 |
| Noncurrent loans to loans | 0.1360% | 7,063 |
| Net loans and leases to total assets | 64.3025% | 4,260 |
| Net loans and leases to deposits | 83.6309% | 3,007 |
| Net loans and leases to core deposits | 90.9863% | 3,229 |
| Total domestic deposits to total assets | 76.8884% | 6,582 |
| Equity capital to assets | 12.9580% | 1,544 |
| Core capital (leverage) ratio | 12.9526% | 1,225 |
| Tier 1 risk-based capital ratio | 15.4317% | 2,902 |
| Total risk-based capital ratio | 16.6857% | 2,848 |
| Memoranda: | ||
| Average total assets | $45,767,500 | 6,884 |
| Average earning assets | $42,448,500 | 6,837 |
| Average equity | $5,936,500 | 6,543 |
| Average total loans | $29,976,000 | 6,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2161% | 1,198 |
| Cost of funding earning assets | 1.5522% | 5,266 |
| Net interest margin | 4.6639% | 882 |
| Noninterest income to average assets | 0.2282% | 6,483 |
| Noninterest expense to average assets | 3.5415% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7070% | 2,903 |
| Return on assets (ROA) | 0.7070% | 2,971 |
| Pretax return on assets | 1.0694% | 2,347 |
| Return on Equity (ROE) | 5.4432% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.0652% | 2,376 |
| Net charge-offs to loans | 0.1216% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 12.9189% | 1,464 |
| Efficiency ratio | 76.8074% | 3,386 |
| Assets per employee ($millions) | 2.8482% | 6,565 |
| Cash dividends to net income (ytd only)* | 25.3165% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 2,084 |
| Loan loss allowance to noncurrent loans | 1,436.5854% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 7,135 |
| Noncurrent loans to loans | 0.1376% | 7,085 |
| Net loans and leases to total assets | 64.1153% | 4,581 |
| Net loans and leases to deposits | 83.7312% | 3,326 |
| Net loans and leases to core deposits | 124.1259% | 1,628 |
| Total domestic deposits to total assets | 76.5728% | 6,573 |
| Equity capital to assets | 12.9841% | 1,513 |
| Core capital (leverage) ratio | 12.9671% | 1,262 |
| Tier 1 risk-based capital ratio | 15.0258% | 2,922 |
| Total risk-based capital ratio | 16.2752% | 2,878 |
| Memoranda: | ||
| Average total assets | $44,699,000 | 6,922 |
| Average earning assets | $42,003,800 | 6,860 |
| Average equity | $5,805,400 | 6,668 |
| Average total loans | $30,416,000 | 6,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2071% | 1,360 |
| Cost of funding earning assets | 1.5962% | 5,421 |
| Net interest margin | 4.6109% | 975 |
| Noninterest income to average assets | 0.2398% | 6,515 |
| Noninterest expense to average assets | 3.5970% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6505% | 3,400 |
| Return on assets (ROA) | 0.6505% | 3,466 |
| Pretax return on assets | 0.9982% | 2,911 |
| Return on Equity (ROE) | 5.0079% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.6617% | 2,677 |
| Net charge-offs to loans | 0.0044% | 6,917 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 333.8271% | 112 |
| Efficiency ratio | 78.2779% | 3,124 |
| Assets per employee ($millions) | 2.7683% | 6,706 |
| Cash dividends to net income (ytd only)* | 6.9125% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 1,590 |
| Loan loss allowance to noncurrent loans | 529.6610% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 6,836 |
| Noncurrent loans to loans | 0.3976% | 6,545 |
| Net loans and leases to total assets | 65.5920% | 4,514 |
| Net loans and leases to deposits | 86.7327% | 3,180 |
| Net loans and leases to core deposits | 125.3430% | 1,784 |
| Total domestic deposits to total assets | 75.6254% | 6,656 |
| Equity capital to assets | 13.2823% | 1,582 |
| Core capital (leverage) ratio | 13.3890% | 1,268 |
| Tier 1 risk-based capital ratio | 15.6110% | 2,768 |
| Total risk-based capital ratio | 16.8661% | 2,706 |
| Memoranda: | ||
| Average total assets | $44,481,000 | 6,985 |
| Average earning assets | $42,015,500 | 6,908 |
| Average equity | $5,777,500 | 6,743 |
| Average total loans | $30,568,250 | 6,650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2462% | 1,341 |
| Cost of funding earning assets | 1.6245% | 5,640 |
| Net interest margin | 4.6217% | 915 |
| Noninterest income to average assets | 0.2469% | 6,515 |
| Noninterest expense to average assets | 3.7042% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6017% | 3,666 |
| Return on assets (ROA) | 0.6017% | 3,777 |
| Pretax return on assets | 0.9115% | 3,299 |
| Return on Equity (ROE) | 4.6671% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.1447% | 2,986 |
| Net charge-offs to loans | 0.0130% | 6,373 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 101.5000% | 377 |
| Efficiency ratio | 80.2529% | 3,003 |
| Assets per employee ($millions) | 2.8860% | 6,429 |
| Cash dividends to net income (ytd only)* | 11.1940% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 1,500 |
| Loan loss allowance to noncurrent loans | 701.1236% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 6,994 |
| Noncurrent loans to loans | 0.2906% | 6,788 |
| Net loans and leases to total assets | 69.3070% | 3,877 |
| Net loans and leases to deposits | 92.4706% | 2,380 |
| Net loans and leases to core deposits | 136.1051% | 1,202 |
| Total domestic deposits to total assets | 74.9503% | 6,771 |
| Equity capital to assets | 13.3980% | 1,530 |
| Core capital (leverage) ratio | 13.3392% | 1,316 |
| Tier 1 risk-based capital ratio | 16.0807% | 2,598 |
| Total risk-based capital ratio | 17.3339% | 2,541 |
| Memoranda: | ||
| Average total assets | $44,544,000 | 7,034 |
| Average earning assets | $42,105,670 | 6,964 |
| Average equity | $5,742,330 | 6,816 |
| Average total loans | $30,865,330 | 6,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2888% | 1,330 |
| Cost of funding earning assets | 1.6683% | 5,746 |
| Net interest margin | 4.6205% | 909 |
| Noninterest income to average assets | 0.2479% | 6,473 |
| Noninterest expense to average assets | 3.6218% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5756% | 4,118 |
| Return on assets (ROA) | 0.5756% | 4,315 |
| Pretax return on assets | 0.9918% | 3,383 |
| Return on Equity (ROE) | 4.5506% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.5506% | 3,403 |
| Net charge-offs to loans | 0.0387% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 896 |
| Efficiency ratio | 78.5029% | 3,085 |
| Assets per employee ($millions) | 2.9301% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0421% | 1,334 |
| Loan loss allowance to noncurrent loans | 724.4186% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 6,950 |
| Noncurrent loans to loans | 0.2819% | 6,732 |
| Net loans and leases to total assets | 67.9946% | 4,142 |
| Net loans and leases to deposits | 94.1171% | 2,254 |
| Net loans and leases to core deposits | 137.3897% | 1,226 |
| Total domestic deposits to total assets | 72.2447% | 7,172 |
| Equity capital to assets | 13.0734% | 1,712 |
| Core capital (leverage) ratio | 12.7462% | 1,585 |
| Tier 1 risk-based capital ratio | 15.6107% | 2,812 |
| Total risk-based capital ratio | 16.8659% | 2,747 |
| Memoranda: | ||
| Average total assets | $45,171,000 | 7,060 |
| Average earning assets | $42,679,000 | 6,990 |
| Average equity | $5,713,500 | 6,873 |
| Average total loans | $30,984,500 | 6,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0257% | 1,060 |
| Cost of funding earning assets | 2.5548% | 3,927 |
| Net interest margin | 4.4709% | 1,488 |
| Noninterest income to average assets | 0.2400% | 6,728 |
| Noninterest expense to average assets | 3.4809% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6205% | 4,223 |
| Return on assets (ROA) | 0.6205% | 4,076 |
| Pretax return on assets | 0.9816% | 3,442 |
| Return on Equity (ROE) | 5.0854% | 4,342 |
| Retained earnings to average equity (ytd only) | -0.0532% | 5,278 |
| Net charge-offs to loans | 0.0298% | 6,406 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 50.4444% | 757 |
| Efficiency ratio | 78.0039% | 2,917 |
| Assets per employee ($millions) | 3.0927% | 5,793 |
| Cash dividends to net income (ytd only)* | 101.0453% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 1,244 |
| Loan loss allowance to noncurrent loans | 695.5556% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 6,792 |
| Noncurrent loans to loans | 0.2861% | 6,518 |
| Net loans and leases to total assets | 66.4691% | 4,760 |
| Net loans and leases to deposits | 92.9689% | 2,961 |
| Net loans and leases to core deposits | 136.9349% | 1,437 |
| Total domestic deposits to total assets | 71.4960% | 7,088 |
| Equity capital to assets | 12.2462% | 2,138 |
| Core capital (leverage) ratio | 11.8688% | 2,044 |
| Tier 1 risk-based capital ratio | 16.8466% | 2,364 |
| Total risk-based capital ratio | 18.1039% | 2,300 |
| Memoranda: | ||
| Average total assets | $46,252,400 | 6,926 |
| Average earning assets | $43,682,200 | 6,868 |
| Average equity | $5,643,600 | 6,935 |
| Average total loans | $30,171,000 | 6,697 |