Home > Commerce Bank Texas > Performance and Condition Ratios
Commerce Bank Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 2,809 |
| Cost of funding earning assets | 0.9942% | 3,312 |
| Net interest margin | 3.6426% | 1,875 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.7041% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6202% | 3,383 |
| Return on assets (ROA) | 0.6202% | 3,372 |
| Pretax return on assets | 0.7788% | 3,257 |
| Return on Equity (ROE) | 5.3800% | 3,654 |
| Retained earnings to average equity (ytd only) | -9.4163% | 4,459 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.6403% | 1,100 |
| Assets per employee ($millions) | 8.3444% | 1,254 |
| Cash dividends to net income (ytd only)* | 274.9380% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 3,779 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.9300% | 3,480 |
| Net loans and leases to deposits | 75.5597% | 2,494 |
| Net loans and leases to core deposits | 81.8160% | 2,600 |
| Total domestic deposits to total assets | 68.7200% | 4,329 |
| Equity capital to assets | 10.8247% | 1,573 |
| Core capital (leverage) ratio | 11.5697% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $64,975,000 | 4,167 |
| Average earning assets | $60,149,800 | 4,137 |
| Average equity | $7,487,000 | 3,988 |
| Average total loans | $32,725,600 | 4,101 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 2,771 |
| Cost of funding earning assets | 0.5634% | 3,848 |
| Net interest margin | 3.8874% | 1,452 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.7019% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8059% | 3,063 |
| Return on assets (ROA) | 0.8059% | 3,071 |
| Pretax return on assets | 1.0128% | 2,876 |
| Return on Equity (ROE) | 6.6300% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.6258% | 2,410 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.7348% | 1,485 |
| Assets per employee ($millions) | 8.0920% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 3,693 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.8500% | 3,498 |
| Net loans and leases to deposits | 66.6309% | 3,026 |
| Net loans and leases to core deposits | 68.1116% | 3,226 |
| Total domestic deposits to total assets | 76.3200% | 4,017 |
| Equity capital to assets | 12.2822% | 978 |
| Core capital (leverage) ratio | 13.1728% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $64,769,333 | 4,198 |
| Average earning assets | $59,989,000 | 4,181 |
| Average equity | $7,878,333 | 3,965 |
| Average total loans | $31,734,667 | 4,144 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 2,901 |
| Cost of funding earning assets | 0.2733% | 4,248 |
| Net interest margin | 3.9868% | 1,285 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.7846% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8212% | 3,131 |
| Return on assets (ROA) | 0.8212% | 3,081 |
| Pretax return on assets | 1.0311% | 2,904 |
| Return on Equity (ROE) | 6.7800% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.7840% | 2,554 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9773% | 1,438 |
| Assets per employee ($millions) | 8.1186% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,647 |
| 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 | 48.5800% | 3,592 |
| Net loans and leases to deposits | 58.5880% | 3,417 |
| Net loans and leases to core deposits | 59.4412% | 3,566 |
| Total domestic deposits to total assets | 82.9200% | 3,312 |
| Equity capital to assets | 12.2927% | 920 |
| Core capital (leverage) ratio | 13.1435% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $64,786,000 | 4,257 |
| Average earning assets | $59,998,500 | 4,234 |
| Average equity | $7,842,000 | 4,017 |
| Average total loans | $30,988,500 | 4,210 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 2,688 |
| Cost of funding earning assets | 0.1681% | 4,012 |
| Net interest margin | 3.4701% | 2,035 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.5858% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6043% | 3,874 |
| Return on assets (ROA) | 0.6043% | 3,826 |
| Pretax return on assets | 0.7654% | 3,706 |
| Return on Equity (ROE) | 4.8400% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.3931% | 3,596 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.1594% | 910 |
| Assets per employee ($millions) | 7.1803% | 1,840 |
| Cash dividends to net income (ytd only)* | 29.8765% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 3,244 |
| 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 | 46.1300% | 3,793 |
| Net loans and leases to deposits | 52.4096% | 3,772 |
| Net loans and leases to core deposits | 53.1298% | 3,859 |
| Total domestic deposits to total assets | 88.0100% | 2,071 |
| Equity capital to assets | 11.9153% | 958 |
| Core capital (leverage) ratio | 12.3565% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $67,020,600 | 4,257 |
| Average earning assets | $62,447,000 | 4,233 |
| Average equity | $8,370,000 | 4,061 |
| Average total loans | $28,074,400 | 4,271 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 2,655 |
| Cost of funding earning assets | 0.1480% | 3,865 |
| Net interest margin | 3.3397% | 2,171 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.5357% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5521% | 3,966 |
| Return on assets (ROA) | 0.5521% | 3,903 |
| Pretax return on assets | 0.7000% | 3,799 |
| Return on Equity (ROE) | 4.3700% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.4831% | 3,918 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.3668% | 885 |
| Assets per employee ($millions) | 7.2807% | 1,766 |
| Cash dividends to net income (ytd only)* | 43.2143% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,437 |
| 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 | 46.2000% | 3,747 |
| Net loans and leases to deposits | 52.3474% | 3,709 |
| Net loans and leases to core deposits | 53.0529% | 3,805 |
| Total domestic deposits to total assets | 88.2500% | 2,341 |
| Equity capital to assets | 11.5359% | 993 |
| Core capital (leverage) ratio | 12.2311% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $67,620,000 | 4,283 |
| Average earning assets | $63,078,250 | 4,261 |
| Average equity | $8,537,500 | 4,088 |
| Average total loans | $27,563,750 | 4,308 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 2,845 |
| Cost of funding earning assets | 0.1471% | 3,615 |
| Net interest margin | 3.1206% | 2,473 |
| Noninterest income to average assets | 0.1142% | 4,425 |
| Noninterest expense to average assets | 2.4825% | 1,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4391% | 4,028 |
| Return on assets (ROA) | 0.4391% | 3,982 |
| Pretax return on assets | 0.5504% | 3,923 |
| Return on Equity (ROE) | 3.3846% | 4,158 |
| Retained earnings to average equity (ytd only) | 0.6544% | 4,065 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8533% | 814 |
| Assets per employee ($millions) | 7.3087% | 1,733 |
| Cash dividends to net income (ytd only)* | 80.6667% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,077 |
| 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 | 41.3497% | 4,015 |
| Net loans and leases to deposits | 47.2410% | 3,971 |
| Net loans and leases to core deposits | 48.6096% | 4,000 |
| Total domestic deposits to total assets | 87.5293% | 2,757 |
| Equity capital to assets | 12.3050% | 798 |
| Core capital (leverage) ratio | 11.4396% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,318,000 | 4,320 |
| Average earning assets | $63,897,333 | 4,302 |
| Average equity | $8,863,667 | 4,116 |
| Average total loans | $26,558,333 | 4,382 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8479% | 3,651 |
| Cost of funding earning assets | 0.1592% | 3,388 |
| Net interest margin | 2.6887% | 3,434 |
| Noninterest income to average assets | 0.0977% | 4,518 |
| Noninterest expense to average assets | 2.4372% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1437% | 4,414 |
| Return on assets (ROA) | 0.1437% | 4,383 |
| Pretax return on assets | 0.1839% | 4,340 |
| Return on Equity (ROE) | 1.0813% | 4,414 |
| Retained earnings to average equity (ytd only) | -4.1520% | 4,385 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9825% | 422 |
| Assets per employee ($millions) | 7.8112% | 1,482 |
| Cash dividends to net income (ytd only)* | 484.0000% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,954 |
| 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 | 36.6481% | 4,172 |
| Net loans and leases to deposits | 41.9152% | 4,163 |
| Net loans and leases to core deposits | 44.2012% | 4,152 |
| Total domestic deposits to total assets | 87.4340% | 2,770 |
| Equity capital to assets | 12.4806% | 812 |
| Core capital (leverage) ratio | 11.4734% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,588,000 | 4,331 |
| Average earning assets | $65,310,500 | 4,314 |
| Average equity | $9,248,500 | 4,135 |
| Average total loans | $26,084,000 | 4,410 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 2,807 |
| Cost of funding earning assets | 0.2532% | 2,884 |
| Net interest margin | 3.1944% | 2,611 |
| Noninterest income to average assets | 0.1397% | 4,453 |
| Noninterest expense to average assets | 2.6220% | 1,820 |
| Loan and lease loss provision to assets | -0.0471% | 4,341 |
| Net operating income to assets | 0.4098% | 4,261 |
| Return on assets (ROA) | 0.4098% | 4,298 |
| Pretax return on assets | 0.5166% | 4,233 |
| Return on Equity (ROE) | 2.6963% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.7046% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8146% | 530 |
| Assets per employee ($millions) | 8.6094% | 1,048 |
| Cash dividends to net income (ytd only)* | 36.7816% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,974 |
| 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 | 37.4417% | 4,225 |
| Net loans and leases to deposits | 43.6375% | 4,195 |
| Net loans and leases to core deposits | 46.5639% | 4,159 |
| Total domestic deposits to total assets | 85.8018% | 2,972 |
| Equity capital to assets | 14.1169% | 642 |
| Core capital (leverage) ratio | 12.1606% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,691,400 | 4,406 |
| Average earning assets | $58,853,600 | 4,392 |
| Average equity | $9,679,800 | 4,171 |
| Average total loans | $28,571,200 | 4,405 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 2,672 |
| Cost of funding earning assets | 0.2765% | 2,833 |
| Net interest margin | 3.2806% | 2,474 |
| Noninterest income to average assets | 0.1239% | 4,574 |
| Noninterest expense to average assets | 2.6689% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3761% | 4,413 |
| Return on assets (ROA) | 0.3761% | 4,443 |
| Pretax return on assets | 0.4722% | 4,402 |
| Return on Equity (ROE) | 2.4269% | 4,533 |
| Retained earnings to average equity (ytd only) | 1.1032% | 4,397 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9660% | 477 |
| Assets per employee ($millions) | 8.2955% | 1,131 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 518 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 39.8590% | 4,214 |
| Net loans and leases to deposits | 46.8227% | 4,193 |
| Net loans and leases to core deposits | 50.1736% | 4,124 |
| Total domestic deposits to total assets | 85.1275% | 3,072 |
| Equity capital to assets | 14.6706% | 603 |
| Core capital (leverage) ratio | 11.8794% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,395,500 | 4,483 |
| Average earning assets | $57,385,750 | 4,477 |
| Average equity | $9,669,000 | 4,227 |
| Average total loans | $29,190,000 | 4,450 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 2,672 |
| Cost of funding earning assets | 0.3031% | 2,747 |
| Net interest margin | 3.2809% | 2,511 |
| Noninterest income to average assets | 0.1244% | 4,582 |
| Noninterest expense to average assets | 2.7377% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3177% | 4,506 |
| Return on assets (ROA) | 0.3177% | 4,529 |
| Pretax return on assets | 0.3995% | 4,500 |
| Return on Equity (ROE) | 2.0111% | 4,593 |
| Retained earnings to average equity (ytd only) | 0.0207% | 4,506 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2651% | 425 |
| Assets per employee ($millions) | 7.0920% | 1,732 |
| Cash dividends to net income (ytd only)* | 98.9691% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 559 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.3379% | 4,023 |
| Net loans and leases to deposits | 52.2864% | 3,975 |
| Net loans and leases to core deposits | 56.0840% | 3,886 |
| Total domestic deposits to total assets | 84.7982% | 3,180 |
| Equity capital to assets | 15.0608% | 516 |
| Core capital (leverage) ratio | 12.3078% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,072,667 | 4,525 |
| Average earning assets | $56,083,000 | 4,521 |
| Average equity | $9,646,667 | 4,243 |
| Average total loans | $29,990,000 | 4,468 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 2,291 |
| Cost of funding earning assets | 0.3217% | 2,781 |
| Net interest margin | 3.4075% | 2,088 |
| Noninterest income to average assets | 0.1206% | 4,589 |
| Noninterest expense to average assets | 2.8143% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3484% | 4,450 |
| Return on assets (ROA) | 0.3484% | 4,480 |
| Pretax return on assets | 0.4288% | 4,453 |
| Return on Equity (ROE) | 2.1524% | 4,589 |
| Retained earnings to average equity (ytd only) | -1.8213% | 4,525 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7769% | 485 |
| Assets per employee ($millions) | 6.8258% | 1,913 |
| Cash dividends to net income (ytd only)* | 184.6154% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2583% | 572 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.5610% | 3,754 |
| Net loans and leases to deposits | 57.4809% | 3,677 |
| Net loans and leases to core deposits | 61.8357% | 3,586 |
| Total domestic deposits to total assets | 84.4820% | 3,285 |
| Equity capital to assets | 15.3796% | 454 |
| Core capital (leverage) ratio | 12.6906% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,695,000 | 4,562 |
| Average earning assets | $54,703,000 | 4,553 |
| Average equity | $9,663,500 | 4,250 |
| Average total loans | $30,666,000 | 4,479 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 1,818 |
| Cost of funding earning assets | 0.4415% | 3,339 |
| Net interest margin | 3.8766% | 1,285 |
| Noninterest income to average assets | -0.1804% | 4,987 |
| Noninterest expense to average assets | 2.9672% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2902% | 4,447 |
| Return on assets (ROA) | 0.3001% | 4,500 |
| Pretax return on assets | 0.3787% | 4,448 |
| Return on Equity (ROE) | 1.7054% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.1978% | 4,147 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0139% | 412 |
| Assets per employee ($millions) | 6.4398% | 1,963 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 594 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.1833% | 3,565 |
| Net loans and leases to deposits | 64.2877% | 3,413 |
| Net loans and leases to core deposits | 69.5754% | 3,282 |
| Total domestic deposits to total assets | 82.7271% | 3,485 |
| Equity capital to assets | 17.0417% | 334 |
| Core capital (leverage) ratio | 13.1407% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,978,600 | 4,571 |
| Average earning assets | $50,740,600 | 4,575 |
| Average equity | $9,851,000 | 4,211 |
| Average total loans | $32,870,200 | 4,461 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,842 |
| Cost of funding earning assets | 0.4704% | 3,417 |
| Net interest margin | 3.9331% | 1,272 |
| Noninterest income to average assets | -0.2908% | 5,020 |
| Noninterest expense to average assets | 3.0086% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2052% | 4,582 |
| Return on assets (ROA) | 0.2187% | 4,605 |
| Pretax return on assets | 0.2739% | 4,575 |
| Return on Equity (ROE) | 1.2325% | 4,671 |
| Retained earnings to average equity (ytd only) | 0.5553% | 4,374 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1266% | 310 |
| Assets per employee ($millions) | 6.4087% | 1,903 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 686 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.5588% | 3,571 |
| Net loans and leases to deposits | 68.4603% | 3,438 |
| Net loans and leases to core deposits | 74.1123% | 3,315 |
| Total domestic deposits to total assets | 82.6156% | 3,247 |
| Equity capital to assets | 17.0949% | 363 |
| Core capital (leverage) ratio | 13.3525% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,483,750 | 4,593 |
| Average earning assets | $50,171,000 | 4,601 |
| Average equity | $9,844,500 | 4,220 |
| Average total loans | $33,297,250 | 4,480 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 1,907 |
| Cost of funding earning assets | 0.5093% | 3,479 |
| Net interest margin | 3.9934% | 1,341 |
| Noninterest income to average assets | 0.1425% | 4,594 |
| Noninterest expense to average assets | 3.0866% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5224% | 3,947 |
| Return on assets (ROA) | 0.5224% | 4,036 |
| Pretax return on assets | 0.6648% | 3,942 |
| Return on Equity (ROE) | 2.9067% | 4,372 |
| Retained earnings to average equity (ytd only) | 1.8904% | 3,801 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2785% | 743 |
| Assets per employee ($millions) | 6.2819% | 1,967 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 501 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.0140% | 3,605 |
| Net loans and leases to deposits | 69.4848% | 3,461 |
| Net loans and leases to core deposits | 75.3712% | 3,342 |
| Total domestic deposits to total assets | 82.0525% | 3,353 |
| Equity capital to assets | 17.5920% | 328 |
| Core capital (leverage) ratio | 14.1133% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,752,333 | 4,619 |
| Average earning assets | $49,481,667 | 4,632 |
| Average equity | $9,839,333 | 4,235 |
| Average total loans | $33,409,667 | 4,494 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,536 |
| Cost of funding earning assets | 0.5515% | 3,685 |
| Net interest margin | 4.2065% | 907 |
| Noninterest income to average assets | 0.1634% | 4,552 |
| Noninterest expense to average assets | 3.1638% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6313% | 3,510 |
| Return on assets (ROA) | 0.6313% | 3,570 |
| Pretax return on assets | 0.7947% | 3,428 |
| Return on Equity (ROE) | 3.4744% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.4306% | 3,623 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9250% | 1,146 |
| Assets per employee ($millions) | 5.9220% | 1,740 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7862% | 515 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 62.7097% | 3,225 |
| Net loans and leases to deposits | 77.1805% | 2,956 |
| Net loans and leases to core deposits | 84.1953% | 2,835 |
| Total domestic deposits to total assets | 81.2507% | 3,614 |
| Equity capital to assets | 18.4397% | 324 |
| Core capital (leverage) ratio | 14.1701% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,860,000 | 4,649 |
| Average earning assets | $48,591,000 | 4,663 |
| Average equity | $9,786,000 | 4,264 |
| Average total loans | $33,828,500 | 4,505 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 1,262 |
| Cost of funding earning assets | 0.5567% | 3,842 |
| Net interest margin | 4.5226% | 690 |
| Noninterest income to average assets | 0.2547% | 4,153 |
| Noninterest expense to average assets | 3.1862% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8923% | 3,235 |
| Return on assets (ROA) | 0.8923% | 3,325 |
| Pretax return on assets | 1.1300% | 3,077 |
| Return on Equity (ROE) | 4.9082% | 4,231 |
| Retained earnings to average equity (ytd only) | 2.1583% | 3,914 |
| Net charge-offs to loans | 0.0143% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 119.8000% | 591 |
| Efficiency ratio | 73.8199% | 1,627 |
| Assets per employee ($millions) | 6.0469% | 1,601 |
| Cash dividends to net income (ytd only)* | 56.0254% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7493% | 516 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.6626% | 3,436 |
| Net loans and leases to deposits | 75.4536% | 3,227 |
| Net loans and leases to core deposits | 82.0850% | 3,113 |
| Total domestic deposits to total assets | 81.7225% | 3,581 |
| Equity capital to assets | 17.9045% | 375 |
| Core capital (leverage) ratio | 13.6404% | 1,016 |
| Tier 1 risk-based capital ratio | 21.2859% | 1,117 |
| Total risk-based capital ratio | 22.2832% | 1,131 |
| Memoranda: | ||
| Average total assets | $53,009,400 | 4,700 |
| Average earning assets | $47,605,800 | 4,719 |
| Average equity | $9,637,000 | 4,292 |
| Average total loans | $34,863,400 | 4,541 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 1,240 |
| Cost of funding earning assets | 0.5421% | 3,975 |
| Net interest margin | 4.5799% | 640 |
| Noninterest income to average assets | 0.1823% | 4,635 |
| Noninterest expense to average assets | 3.1221% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9267% | 3,247 |
| Return on assets (ROA) | 0.9267% | 3,320 |
| Pretax return on assets | 1.1673% | 3,079 |
| Return on Equity (ROE) | 5.0778% | 4,307 |
| Retained earnings to average equity (ytd only) | 2.2337% | 4,190 |
| Net charge-offs to loans | 0.0190% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 92.1514% | 792 |
| Efficiency ratio | 72.7863% | 1,730 |
| Assets per employee ($millions) | 6.1338% | 1,508 |
| Cash dividends to net income (ytd only)* | 56.0114% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 3,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5976% | 250 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.7056% | 3,420 |
| Net loans and leases to deposits | 78.1735% | 3,083 |
| Net loans and leases to core deposits | 84.5262% | 3,044 |
| Total domestic deposits to total assets | 80.2134% | 3,945 |
| Equity capital to assets | 17.6110% | 423 |
| Core capital (leverage) ratio | 14.0411% | 975 |
| Tier 1 risk-based capital ratio | 20.1950% | 1,334 |
| Total risk-based capital ratio | 21.1474% | 1,349 |
| Memoranda: | ||
| Average total assets | $52,656,250 | 4,777 |
| Average earning assets | $47,219,250 | 4,792 |
| Average equity | $9,610,250 | 4,341 |
| Average total loans | $35,105,250 | 4,591 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 1,047 |
| Cost of funding earning assets | 0.5120% | 4,063 |
| Net interest margin | 4.6554% | 545 |
| Noninterest income to average assets | 0.1969% | 4,577 |
| Noninterest expense to average assets | 3.2042% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9265% | 3,185 |
| Return on assets (ROA) | 0.9265% | 3,243 |
| Pretax return on assets | 1.1697% | 3,013 |
| Return on Equity (ROE) | 5.0141% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.7758% | 4,181 |
| Net charge-offs to loans | 0.0284% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 976 |
| Efficiency ratio | 73.2568% | 1,737 |
| Assets per employee ($millions) | 5.7497% | 1,741 |
| Cash dividends to net income (ytd only)* | 64.5833% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7712% | 243 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.5043% | 3,040 |
| Net loans and leases to deposits | 84.1521% | 2,479 |
| Net loans and leases to core deposits | 90.3729% | 2,568 |
| Total domestic deposits to total assets | 79.0287% | 4,215 |
| Equity capital to assets | 18.6774% | 315 |
| Core capital (leverage) ratio | 14.4190% | 849 |
| Tier 1 risk-based capital ratio | 20.5007% | 1,253 |
| Total risk-based capital ratio | 21.4779% | 1,276 |
| Memoranda: | ||
| Average total assets | $51,807,000 | 4,825 |
| Average earning assets | $46,483,670 | 4,845 |
| Average equity | $9,573,000 | 4,361 |
| Average total loans | $35,155,670 | 4,622 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 1,432 |
| Cost of funding earning assets | 0.4613% | 4,237 |
| Net interest margin | 4.5020% | 743 |
| Noninterest income to average assets | 0.2161% | 4,453 |
| Noninterest expense to average assets | 3.1792% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8720% | 3,340 |
| Return on assets (ROA) | 0.8720% | 3,388 |
| Pretax return on assets | 1.1035% | 3,137 |
| Return on Equity (ROE) | 4.7444% | 4,397 |
| Retained earnings to average equity (ytd only) | 0.3359% | 4,468 |
| Net charge-offs to loans | 0.0566% | 1,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 1,356 |
| Efficiency ratio | 74.2342% | 1,727 |
| Assets per employee ($millions) | 5.7932% | 1,708 |
| Cash dividends to net income (ytd only)* | 92.9204% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,919 |
| Loan loss allowance to noncurrent loans | 37.8652% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.5988% | 285 |
| Noncurrent loans to loans | 2.5396% | 511 |
| Net loans and leases to total assets | 66.5682% | 2,966 |
| Net loans and leases to deposits | 85.7644% | 2,152 |
| Net loans and leases to core deposits | 89.8124% | 2,523 |
| Total domestic deposits to total assets | 77.6175% | 4,575 |
| Equity capital to assets | 18.3222% | 320 |
| Core capital (leverage) ratio | 14.5730% | 795 |
| Tier 1 risk-based capital ratio | 20.3363% | 1,275 |
| Total risk-based capital ratio | 21.3132% | 1,300 |
| Memoranda: | ||
| Average total assets | $51,837,000 | 4,875 |
| Average earning assets | $46,823,500 | 4,891 |
| Average equity | $9,527,000 | 4,399 |
| Average total loans | $35,357,500 | 4,656 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 950 |
| Cost of funding earning assets | 0.3581% | 4,228 |
| Net interest margin | 4.6864% | 503 |
| Noninterest income to average assets | 0.0587% | 5,251 |
| Noninterest expense to average assets | 3.2378% | 1,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7840% | 3,863 |
| Return on assets (ROA) | 0.7840% | 3,865 |
| Pretax return on assets | 0.9913% | 3,637 |
| Return on Equity (ROE) | 4.2821% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.7337% | 4,036 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5603% | 1,287 |
| Assets per employee ($millions) | 5.7267% | 1,741 |
| Cash dividends to net income (ytd only)* | 36.1596% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,906 |
| Loan loss allowance to noncurrent loans | 38.5393% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.6290% | 272 |
| Noncurrent loans to loans | 2.4951% | 487 |
| Net loans and leases to total assets | 68.5429% | 2,799 |
| Net loans and leases to deposits | 84.2543% | 2,489 |
| Net loans and leases to core deposits | 86.9802% | 2,841 |
| Total domestic deposits to total assets | 81.3523% | 3,815 |
| Equity capital to assets | 18.3954% | 312 |
| Core capital (leverage) ratio | 14.4185% | 821 |
| Tier 1 risk-based capital ratio | 20.4684% | 1,231 |
| Total risk-based capital ratio | 21.4701% | 1,250 |
| Memoranda: | ||
| Average total assets | $51,146,600 | 4,912 |
| Average earning assets | $45,514,400 | 4,945 |
| Average equity | $9,364,600 | 4,408 |
| Average total loans | $36,044,400 | 4,659 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 851 |
| Cost of funding earning assets | 0.3387% | 4,253 |
| Net interest margin | 4.7065% | 471 |
| Noninterest income to average assets | 0.1854% | 4,859 |
| Noninterest expense to average assets | 3.1499% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9664% | 3,232 |
| Return on assets (ROA) | 0.9664% | 3,245 |
| Pretax return on assets | 1.2093% | 2,955 |
| Return on Equity (ROE) | 5.2843% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.2134% | 4,137 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2588% | 1,841 |
| Assets per employee ($millions) | 5.7671% | 1,671 |
| Cash dividends to net income (ytd only)* | 39.1896% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,981 |
| Loan loss allowance to noncurrent loans | 38.5393% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7147% | 709 |
| Noncurrent loans to loans | 2.5013% | 523 |
| Net loans and leases to total assets | 67.8926% | 2,962 |
| Net loans and leases to deposits | 84.7254% | 2,513 |
| Net loans and leases to core deposits | 87.4829% | 2,874 |
| Total domestic deposits to total assets | 80.1326% | 4,086 |
| Equity capital to assets | 18.1450% | 322 |
| Core capital (leverage) ratio | 14.6412% | 790 |
| Tier 1 risk-based capital ratio | 19.6602% | 1,407 |
| Total risk-based capital ratio | 20.6266% | 1,427 |
| Memoranda: | ||
| Average total assets | $51,048,250 | 4,972 |
| Average earning assets | $45,269,750 | 5,001 |
| Average equity | $9,335,500 | 4,453 |
| Average total loans | $36,138,000 | 4,705 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 868 |
| Cost of funding earning assets | 0.3179% | 4,285 |
| Net interest margin | 4.6577% | 490 |
| Noninterest income to average assets | 0.1891% | 4,879 |
| Noninterest expense to average assets | 3.1283% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9692% | 3,145 |
| Return on assets (ROA) | 0.9692% | 3,149 |
| Pretax return on assets | 1.2174% | 2,881 |
| Return on Equity (ROE) | 5.2858% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.2445% | 3,946 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9855% | 2,014 |
| Assets per employee ($millions) | 5.4867% | 1,892 |
| Cash dividends to net income (ytd only)* | 38.6179% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,040 |
| Loan loss allowance to noncurrent loans | 38.5393% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 647 |
| Noncurrent loans to loans | 2.5042% | 519 |
| Net loans and leases to total assets | 71.2799% | 2,392 |
| Net loans and leases to deposits | 88.2620% | 2,078 |
| Net loans and leases to core deposits | 91.2575% | 2,465 |
| Total domestic deposits to total assets | 80.7594% | 4,063 |
| Equity capital to assets | 18.9591% | 269 |
| Core capital (leverage) ratio | 14.3830% | 808 |
| Tier 1 risk-based capital ratio | 20.2904% | 1,272 |
| Total risk-based capital ratio | 21.2984% | 1,283 |
| Memoranda: | ||
| Average total assets | $50,763,000 | 5,033 |
| Average earning assets | $45,301,000 | 5,059 |
| Average equity | $9,308,000 | 4,494 |
| Average total loans | $36,323,330 | 4,745 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 919 |
| Cost of funding earning assets | 0.2862% | 4,447 |
| Net interest margin | 4.5883% | 515 |
| Noninterest income to average assets | 0.1788% | 4,954 |
| Noninterest expense to average assets | 3.0551% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9795% | 2,944 |
| Return on assets (ROA) | 0.9795% | 2,972 |
| Pretax return on assets | 1.2360% | 2,615 |
| Return on Equity (ROE) | 5.4304% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.2755% | 3,895 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1957% | 2,311 |
| Assets per employee ($millions) | 5.6433% | 1,808 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,328 |
| Loan loss allowance to noncurrent loans | 38.5393% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7523% | 709 |
| Noncurrent loans to loans | 2.4033% | 579 |
| Net loans and leases to total assets | 72.2367% | 2,130 |
| Net loans and leases to deposits | 92.6162% | 1,375 |
| Net loans and leases to core deposits | 95.0345% | 2,052 |
| Total domestic deposits to total assets | 77.9957% | 4,731 |
| Equity capital to assets | 18.2989% | 290 |
| Core capital (leverage) ratio | 14.1875% | 835 |
| Tier 1 risk-based capital ratio | 19.6382% | 1,410 |
| Total risk-based capital ratio | 20.6246% | 1,425 |
| Memoranda: | ||
| Average total assets | $51,454,500 | 5,087 |
| Average earning assets | $46,117,500 | 5,096 |
| Average equity | $9,281,000 | 4,543 |
| Average total loans | $36,714,500 | 4,788 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 720 |
| Cost of funding earning assets | 0.3068% | 4,068 |
| Net interest margin | 4.6367% | 460 |
| Noninterest income to average assets | 0.1940% | 4,981 |
| Noninterest expense to average assets | 3.0551% | 1,991 |
| Loan and lease loss provision to assets | 0.0466% | 3,296 |
| Net operating income to assets | 0.8561% | 2,928 |
| Return on assets (ROA) | 0.8561% | 2,949 |
| Pretax return on assets | 1.2646% | 2,488 |
| Return on Equity (ROE) | 5.0533% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.8202% | 2,929 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9701% | 2,553 |
| Assets per employee ($millions) | 5.7910% | 1,662 |
| Cash dividends to net income (ytd only)* | 24.4009% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,259 |
| Loan loss allowance to noncurrent loans | 38.5393% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7076% | 749 |
| Noncurrent loans to loans | 2.4453% | 558 |
| Net loans and leases to total assets | 69.1763% | 2,650 |
| Net loans and leases to deposits | 84.5108% | 2,439 |
| Net loans and leases to core deposits | 86.5538% | 2,869 |
| Total domestic deposits to total assets | 81.8550% | 3,903 |
| Equity capital to assets | 17.6864% | 339 |
| Core capital (leverage) ratio | 13.4993% | 965 |
| Tier 1 risk-based capital ratio | 20.1813% | 1,283 |
| Total risk-based capital ratio | 21.2141% | 1,294 |
| Memoranda: | ||
| Average total assets | $53,614,600 | 5,086 |
| Average earning assets | $48,245,000 | 5,101 |
| Average equity | $9,083,200 | 4,602 |
| Average total loans | $38,714,800 | 4,771 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 651 |
| Cost of funding earning assets | 0.2904% | 4,227 |
| Net interest margin | 4.6800% | 420 |
| Noninterest income to average assets | 0.1951% | 5,039 |
| Noninterest expense to average assets | 3.0500% | 1,958 |
| Loan and lease loss provision to assets | 0.0617% | 2,839 |
| Net operating income to assets | 0.8866% | 3,093 |
| Return on assets (ROA) | 0.8866% | 3,143 |
| Pretax return on assets | 1.3015% | 2,485 |
| Return on Equity (ROE) | 5.2892% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.3021% | 3,344 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1102% | 2,688 |
| Assets per employee ($millions) | 5.8050% | 1,651 |
| Cash dividends to net income (ytd only)* | 18.6629% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,563 |
| Loan loss allowance to noncurrent loans | 38.5827% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 846 |
| Noncurrent loans to loans | 2.3357% | 677 |
| Net loans and leases to total assets | 72.1945% | 2,227 |
| Net loans and leases to deposits | 93.9217% | 1,309 |
| Net loans and leases to core deposits | 96.3349% | 2,033 |
| Total domestic deposits to total assets | 76.8667% | 4,912 |
| Equity capital to assets | 17.5921% | 370 |
| Core capital (leverage) ratio | 13.2599% | 1,116 |
| Tier 1 risk-based capital ratio | 19.0119% | 1,581 |
| Total risk-based capital ratio | 19.9931% | 1,610 |
| Memoranda: | ||
| Average total assets | $53,988,500 | 5,138 |
| Average earning assets | $48,659,500 | 5,149 |
| Average equity | $9,049,500 | 4,652 |
| Average total loans | $39,294,250 | 4,798 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 620 |
| Cost of funding earning assets | 0.2596% | 4,467 |
| Net interest margin | 4.6893% | 400 |
| Noninterest income to average assets | 0.1833% | 5,135 |
| Noninterest expense to average assets | 3.0310% | 2,044 |
| Loan and lease loss provision to assets | 0.0806% | 2,374 |
| Net operating income to assets | 0.8869% | 2,978 |
| Return on assets (ROA) | 0.8869% | 3,038 |
| Pretax return on assets | 1.3084% | 2,353 |
| Return on Equity (ROE) | 5.3764% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.6210% | 2,962 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5738% | 2,908 |
| Assets per employee ($millions) | 6.1516% | 1,356 |
| Cash dividends to net income (ytd only)* | 14.0496% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 4,825 |
| Loan loss allowance to noncurrent loans | 38.2022% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.6075% | 922 |
| Noncurrent loans to loans | 2.2176% | 727 |
| Net loans and leases to total assets | 71.8752% | 2,221 |
| Net loans and leases to deposits | 97.5271% | 936 |
| Net loans and leases to core deposits | 99.9899% | 1,649 |
| Total domestic deposits to total assets | 73.6977% | 5,320 |
| Equity capital to assets | 16.4674% | 478 |
| Core capital (leverage) ratio | 12.4123% | 1,409 |
| Tier 1 risk-based capital ratio | 17.4014% | 2,041 |
| Total risk-based capital ratio | 18.3028% | 2,097 |
| Memoranda: | ||
| Average total assets | $54,569,670 | 5,162 |
| Average earning assets | $49,304,000 | 5,170 |
| Average equity | $9,002,330 | 4,679 |
| Average total loans | $39,705,330 | 4,816 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 638 |
| Cost of funding earning assets | 0.2200% | 4,805 |
| Net interest margin | 4.6770% | 386 |
| Noninterest income to average assets | 0.1772% | 5,215 |
| Noninterest expense to average assets | 3.0421% | 2,043 |
| Loan and lease loss provision to assets | 0.0886% | 2,060 |
| Net operating income to assets | 0.8787% | 2,864 |
| Return on assets (ROA) | 0.8787% | 2,916 |
| Pretax return on assets | 1.2848% | 2,282 |
| Return on Equity (ROE) | 5.3214% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.3214% | 2,724 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8963% | 3,064 |
| Assets per employee ($millions) | 6.2031% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.8380% | 1,937 |
| Net loans and leases to deposits | 99.0500% | 681 |
| Net loans and leases to core deposits | 108.7215% | 936 |
| Total domestic deposits to total assets | 73.5366% | 5,450 |
| Equity capital to assets | 16.1442% | 468 |
| Core capital (leverage) ratio | 12.5244% | 1,328 |
| Tier 1 risk-based capital ratio | 16.6367% | 2,307 |
| Total risk-based capital ratio | 17.4848% | 2,403 |
| Memoranda: | ||
| Average total assets | $54,172,500 | 5,223 |
| Average earning assets | $49,091,000 | 5,230 |
| Average equity | $8,945,000 | 4,728 |
| Average total loans | $39,491,500 | 4,868 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 663 |
| Cost of funding earning assets | 0.1854% | 5,156 |
| Net interest margin | 4.7605% | 376 |
| Noninterest income to average assets | 0.2284% | 5,048 |
| Noninterest expense to average assets | 3.1840% | 1,835 |
| Loan and lease loss provision to assets | 0.0329% | 3,696 |
| Net operating income to assets | 0.8381% | 3,118 |
| Return on assets (ROA) | 0.8381% | 3,228 |
| Pretax return on assets | 1.2368% | 2,524 |
| Return on Equity (ROE) | 4.9647% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.9647% | 2,369 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4907% | 2,671 |
| Assets per employee ($millions) | 5.8357% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 4,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.7256% | 2,202 |
| Net loans and leases to deposits | 94.6294% | 1,126 |
| Net loans and leases to core deposits | 104.1700% | 1,266 |
| Total domestic deposits to total assets | 75.7963% | 5,260 |
| Equity capital to assets | 16.9094% | 395 |
| Core capital (leverage) ratio | 12.8551% | 1,186 |
| Tier 1 risk-based capital ratio | 17.6788% | 1,953 |
| Total risk-based capital ratio | 18.5630% | 2,015 |
| Memoranda: | ||
| Average total assets | $51,664,600 | 5,313 |
| Average earning assets | $45,856,400 | 5,336 |
| Average equity | $8,721,600 | 4,799 |
| Average total loans | $35,888,200 | 5,020 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 642 |
| Cost of funding earning assets | 0.1850% | 5,221 |
| Net interest margin | 4.7765% | 379 |
| Noninterest income to average assets | 0.2332% | 5,075 |
| Noninterest expense to average assets | 3.2185% | 1,731 |
| Loan and lease loss provision to assets | 0.0311% | 3,608 |
| Net operating income to assets | 0.8085% | 3,328 |
| Return on assets (ROA) | 0.8085% | 3,466 |
| Pretax return on assets | 1.1998% | 2,833 |
| Return on Equity (ROE) | 4.7915% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.7915% | 2,962 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3355% | 2,528 |
| Assets per employee ($millions) | 5.7019% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 67.5644% | 2,862 |
| Net loans and leases to deposits | 82.1709% | 2,706 |
| Net loans and leases to core deposits | 89.9287% | 2,585 |
| Total domestic deposits to total assets | 82.2242% | 3,868 |
| Equity capital to assets | 17.2535% | 409 |
| Core capital (leverage) ratio | 12.8031% | 1,266 |
| Tier 1 risk-based capital ratio | 18.6027% | 1,767 |
| Total risk-based capital ratio | 19.5364% | 1,811 |
| Memoranda: | ||
| Average total assets | $51,450,500 | 5,368 |
| Average earning assets | $45,415,250 | 5,404 |
| Average equity | $8,681,750 | 4,857 |
| Average total loans | $35,363,000 | 5,082 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 566 |
| Cost of funding earning assets | 0.1806% | 5,312 |
| Net interest margin | 4.8408% | 346 |
| Noninterest income to average assets | 0.2369% | 5,068 |
| Noninterest expense to average assets | 3.2353% | 1,728 |
| Loan and lease loss provision to assets | 0.0388% | 3,380 |
| Net operating income to assets | 0.8350% | 3,150 |
| Return on assets (ROA) | 0.8350% | 3,288 |
| Pretax return on assets | 1.2312% | 2,665 |
| Return on Equity (ROE) | 4.9859% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.9859% | 2,751 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8103% | 2,691 |
| Assets per employee ($millions) | 5.7159% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.4222% | 2,879 |
| Net loans and leases to deposits | 81.7498% | 2,738 |
| Net loans and leases to core deposits | 89.4056% | 2,591 |
| Total domestic deposits to total assets | 82.4738% | 3,848 |
| Equity capital to assets | 17.0149% | 432 |
| Core capital (leverage) ratio | 12.5403% | 1,332 |
| Tier 1 risk-based capital ratio | 18.2782% | 1,858 |
| Total risk-based capital ratio | 19.2040% | 1,907 |
| Memoranda: | ||
| Average total assets | $51,495,000 | 5,426 |
| Average earning assets | $45,405,670 | 5,465 |
| Average equity | $8,624,330 | 4,903 |
| Average total loans | $35,489,000 | 5,124 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 482 |
| Cost of funding earning assets | 0.1690% | 5,475 |
| Net interest margin | 4.9451% | 286 |
| Noninterest income to average assets | 0.2407% | 5,017 |
| Noninterest expense to average assets | 3.1987% | 1,838 |
| Loan and lease loss provision to assets | 0.0388% | 3,130 |
| Net operating income to assets | 0.8928% | 2,791 |
| Return on assets (ROA) | 0.8928% | 2,920 |
| Pretax return on assets | 1.3199% | 2,226 |
| Return on Equity (ROE) | 5.3738% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.3738% | 2,728 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1874% | 3,085 |
| Assets per employee ($millions) | 5.7092% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.1753% | 2,161 |
| Net loans and leases to deposits | 87.5682% | 1,874 |
| Net loans and leases to core deposits | 93.4533% | 2,052 |
| Total domestic deposits to total assets | 81.2798% | 4,410 |
| Equity capital to assets | 16.8052% | 437 |
| Core capital (leverage) ratio | 12.2139% | 1,490 |
| Tier 1 risk-based capital ratio | 18.1722% | 1,939 |
| Total risk-based capital ratio | 19.0927% | 1,991 |
| Memoranda: | ||
| Average total assets | $51,521,000 | 5,480 |
| Average earning assets | $44,973,500 | 5,524 |
| Average equity | $8,560,000 | 4,941 |
| Average total loans | $35,736,000 | 5,151 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 584 |
| Cost of funding earning assets | 0.1824% | 5,423 |
| Net interest margin | 4.8483% | 330 |
| Noninterest income to average assets | 0.2288% | 5,226 |
| Noninterest expense to average assets | 3.2329% | 1,877 |
| Loan and lease loss provision to assets | 0.0361% | 3,626 |
| Net operating income to assets | 0.7445% | 3,600 |
| Return on assets (ROA) | 0.7445% | 3,696 |
| Pretax return on assets | 1.1198% | 2,960 |
| Return on Equity (ROE) | 4.4740% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.4740% | 2,806 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0224% | 2,744 |
| Assets per employee ($millions) | 5.7383% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 5,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 66.4014% | 2,927 |
| Net loans and leases to deposits | 80.0303% | 2,819 |
| Net loans and leases to core deposits | 85.2572% | 2,856 |
| Total domestic deposits to total assets | 82.9703% | 3,839 |
| Equity capital to assets | 16.4179% | 474 |
| Core capital (leverage) ratio | 12.2529% | 1,480 |
| Tier 1 risk-based capital ratio | 19.0413% | 1,698 |
| Total risk-based capital ratio | 20.0097% | 1,715 |
| Memoranda: | ||
| Average total assets | $49,831,800 | 5,546 |
| Average earning assets | $42,757,200 | 5,618 |
| Average equity | $8,292,400 | 5,007 |
| Average total loans | $34,065,200 | 5,220 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 547 |
| Cost of funding earning assets | 0.1826% | 5,526 |
| Net interest margin | 4.8827% | 317 |
| Noninterest income to average assets | 0.2241% | 5,311 |
| Noninterest expense to average assets | 3.2132% | 1,936 |
| Loan and lease loss provision to assets | 0.0405% | 3,401 |
| Net operating income to assets | 0.7669% | 3,604 |
| Return on assets (ROA) | 0.7669% | 3,698 |
| Pretax return on assets | 1.1584% | 2,988 |
| Return on Equity (ROE) | 4.5922% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.5922% | 3,204 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9706% | 2,890 |
| Assets per employee ($millions) | 5.7006% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 5,394 |
| Loan loss allowance to noncurrent loans | 158.5106% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 4,302 |
| Noncurrent loans to loans | 0.5320% | 3,747 |
| Net loans and leases to total assets | 68.3033% | 2,635 |
| Net loans and leases to deposits | 85.4395% | 2,213 |
| Net loans and leases to core deposits | 91.2792% | 2,334 |
| Total domestic deposits to total assets | 79.9435% | 4,766 |
| Equity capital to assets | 16.3863% | 509 |
| Core capital (leverage) ratio | 12.0625% | 1,644 |
| Tier 1 risk-based capital ratio | 18.3668% | 1,934 |
| Total risk-based capital ratio | 19.3053% | 1,974 |
| Memoranda: | ||
| Average total assets | $49,378,500 | 5,622 |
| Average earning assets | $42,352,250 | 5,699 |
| Average equity | $8,245,750 | 5,082 |
| Average total loans | $33,933,000 | 5,287 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 591 |
| Cost of funding earning assets | 0.1848% | 5,573 |
| Net interest margin | 4.8178% | 349 |
| Noninterest income to average assets | 0.2257% | 5,350 |
| Noninterest expense to average assets | 3.2707% | 1,785 |
| Loan and lease loss provision to assets | 0.0410% | 3,290 |
| Net operating income to assets | 0.7182% | 3,805 |
| Return on assets (ROA) | 0.7182% | 3,923 |
| Pretax return on assets | 1.0875% | 3,230 |
| Return on Equity (ROE) | 4.2725% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.2725% | 3,303 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0410% | 2,830 |
| Assets per employee ($millions) | 4.8430% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 5,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.5941% | 2,056 |
| Net loans and leases to deposits | 88.6641% | 1,756 |
| Net loans and leases to core deposits | 95.0336% | 1,875 |
| Total domestic deposits to total assets | 80.7475% | 4,681 |
| Equity capital to assets | 17.0679% | 411 |
| Core capital (leverage) ratio | 12.2756% | 1,499 |
| Tier 1 risk-based capital ratio | 18.3130% | 1,982 |
| Total risk-based capital ratio | 19.2506% | 2,020 |
| Memoranda: | ||
| Average total assets | $48,736,330 | 5,707 |
| Average earning assets | $42,218,670 | 5,761 |
| Average equity | $8,192,000 | 5,126 |
| Average total loans | $33,463,670 | 5,345 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 543 |
| Cost of funding earning assets | 0.1823% | 5,668 |
| Net interest margin | 4.8556% | 314 |
| Noninterest income to average assets | 0.2373% | 5,266 |
| Noninterest expense to average assets | 3.2727% | 1,785 |
| Loan and lease loss provision to assets | 0.0409% | 3,096 |
| Net operating income to assets | 0.6954% | 3,825 |
| Return on assets (ROA) | 0.6954% | 3,949 |
| Pretax return on assets | 1.0636% | 3,246 |
| Return on Equity (ROE) | 4.1692% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.1692% | 3,504 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4579% | 2,909 |
| Assets per employee ($millions) | 4.9061% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 5,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 65.1373% | 2,911 |
| Net loans and leases to deposits | 78.8984% | 2,695 |
| Net loans and leases to core deposits | 83.2539% | 2,840 |
| Total domestic deposits to total assets | 82.5584% | 4,321 |
| Equity capital to assets | 16.7710% | 460 |
| Core capital (leverage) ratio | 12.1153% | 1,568 |
| Tier 1 risk-based capital ratio | 18.9008% | 1,901 |
| Total risk-based capital ratio | 19.8683% | 1,923 |
| Memoranda: | ||
| Average total assets | $48,889,500 | 5,749 |
| Average earning assets | $41,683,500 | 5,823 |
| Average equity | $8,155,000 | 5,178 |
| Average total loans | $32,712,500 | 5,414 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 858 |
| Cost of funding earning assets | 0.1892% | 5,840 |
| Net interest margin | 4.7537% | 478 |
| Noninterest income to average assets | 0.2478% | 5,353 |
| Noninterest expense to average assets | 3.2216% | 2,160 |
| Loan and lease loss provision to assets | 0.0424% | 3,723 |
| Net operating income to assets | 0.7413% | 3,670 |
| Return on assets (ROA) | 0.7413% | 3,776 |
| Pretax return on assets | 1.1353% | 2,948 |
| Return on Equity (ROE) | 4.8393% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.8393% | 2,726 |
| Net charge-offs to loans | 0.0129% | 4,638 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 385 |
| Efficiency ratio | 71.8344% | 3,234 |
| Assets per employee ($millions) | 4.8718% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 5,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.5253% | 2,638 |
| Net loans and leases to deposits | 81.4061% | 2,554 |
| Net loans and leases to core deposits | 85.9042% | 2,701 |
| Total domestic deposits to total assets | 82.9488% | 4,095 |
| Equity capital to assets | 16.5894% | 471 |
| Core capital (leverage) ratio | 11.9670% | 1,644 |
| Tier 1 risk-based capital ratio | 17.5027% | 2,315 |
| Total risk-based capital ratio | 18.3977% | 2,412 |
| Memoranda: | ||
| Average total assets | $47,213,200 | 5,852 |
| Average earning assets | $41,231,000 | 5,891 |
| Average equity | $7,232,400 | 5,372 |
| Average total loans | $31,094,000 | 5,524 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 884 |
| Cost of funding earning assets | 0.1923% | 5,893 |
| Net interest margin | 4.7331% | 471 |
| Noninterest income to average assets | 0.2533% | 5,404 |
| Noninterest expense to average assets | 3.1200% | 2,409 |
| Loan and lease loss provision to assets | 0.0569% | 3,231 |
| Net operating income to assets | 0.7914% | 3,463 |
| Return on assets (ROA) | 0.7914% | 3,567 |
| Pretax return on assets | 1.2099% | 2,738 |
| Return on Equity (ROE) | 5.2801% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.2801% | 2,897 |
| Net charge-offs to loans | 0.0044% | 4,552 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 446.1053% | 167 |
| Efficiency ratio | 69.7599% | 3,550 |
| Assets per employee ($millions) | 5.2316% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 5,549 |
| Loan loss allowance to noncurrent loans | 9,533.3333% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,175 |
| Noncurrent loans to loans | 0.0096% | 5,997 |
| Net loans and leases to total assets | 65.6423% | 2,929 |
| Net loans and leases to deposits | 79.0561% | 2,829 |
| Net loans and leases to core deposits | 83.5753% | 2,934 |
| Total domestic deposits to total assets | 83.0325% | 4,134 |
| Equity capital to assets | 16.5661% | 486 |
| Core capital (leverage) ratio | 12.0299% | 1,687 |
| Tier 1 risk-based capital ratio | 17.7781% | 2,285 |
| Total risk-based capital ratio | 18.7312% | 2,362 |
| Memoranda: | ||
| Average total assets | $46,837,000 | 5,936 |
| Average earning assets | $40,902,000 | 5,966 |
| Average equity | $7,020,000 | 5,457 |
| Average total loans | $30,572,500 | 5,597 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 821 |
| Cost of funding earning assets | 0.1903% | 6,000 |
| Net interest margin | 4.7567% | 442 |
| Noninterest income to average assets | 0.2567% | 5,360 |
| Noninterest expense to average assets | 3.1398% | 2,359 |
| Loan and lease loss provision to assets | 0.0856% | 2,594 |
| Net operating income to assets | 0.7914% | 3,372 |
| Return on assets (ROA) | 0.7914% | 3,472 |
| Pretax return on assets | 1.2020% | 2,661 |
| Return on Equity (ROE) | 5.4734% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.4734% | 2,648 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 3,726 |
| Assets per employee ($millions) | 5.1940% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 5,691 |
| Loan loss allowance to noncurrent loans | 9,566.6667% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,241 |
| Noncurrent loans to loans | 0.0095% | 6,062 |
| Net loans and leases to total assets | 66.7544% | 2,626 |
| Net loans and leases to deposits | 83.5185% | 2,080 |
| Net loans and leases to core deposits | 88.5223% | 2,253 |
| Total domestic deposits to total assets | 79.9277% | 5,256 |
| Equity capital to assets | 14.7692% | 757 |
| Core capital (leverage) ratio | 10.0581% | 3,526 |
| Tier 1 risk-based capital ratio | 14.7309% | 3,787 |
| Total risk-based capital ratio | 15.6844% | 3,912 |
| Memoranda: | ||
| Average total assets | $46,754,670 | 5,992 |
| Average earning assets | $40,994,670 | 6,022 |
| Average equity | $6,760,000 | 5,542 |
| Average total loans | $30,365,670 | 5,649 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 926 |
| Cost of funding earning assets | 0.1952% | 6,040 |
| Net interest margin | 4.6653% | 495 |
| Noninterest income to average assets | 0.2566% | 5,301 |
| Noninterest expense to average assets | 3.1309% | 2,437 |
| Loan and lease loss provision to assets | 0.0855% | 2,477 |
| Net operating income to assets | 0.7614% | 3,351 |
| Return on assets (ROA) | 0.7614% | 3,436 |
| Pretax return on assets | 1.1292% | 2,776 |
| Return on Equity (ROE) | 5.3230% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.3230% | 2,907 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6693% | 3,711 |
| Assets per employee ($millions) | 5.3097% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 5,895 |
| Loan loss allowance to noncurrent loans | 6,925.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,310 |
| Noncurrent loans to loans | 0.0128% | 6,130 |
| Net loans and leases to total assets | 64.6494% | 2,782 |
| Net loans and leases to deposits | 80.0736% | 2,284 |
| Net loans and leases to core deposits | 85.2931% | 2,393 |
| Total domestic deposits to total assets | 80.7374% | 5,305 |
| Equity capital to assets | 14.1649% | 868 |
| Core capital (leverage) ratio | 9.8861% | 3,735 |
| Tier 1 risk-based capital ratio | 14.0090% | 4,332 |
| Total risk-based capital ratio | 14.9048% | 4,527 |
| Memoranda: | ||
| Average total assets | $46,759,000 | 6,046 |
| Average earning assets | $40,983,000 | 6,083 |
| Average equity | $6,688,000 | 5,593 |
| Average total loans | $29,802,500 | 5,721 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 1,404 |
| Cost of funding earning assets | 0.2412% | 6,025 |
| Net interest margin | 4.5195% | 714 |
| Noninterest income to average assets | 0.4783% | 3,902 |
| Noninterest expense to average assets | 3.3986% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7407% | 3,605 |
| Return on assets (ROA) | 0.7680% | 3,549 |
| Pretax return on assets | 0.9037% | 3,752 |
| Return on Equity (ROE) | 5.0941% | 4,577 |
| Retained earnings to average equity (ytd only) | 5.0941% | 2,529 |
| Net charge-offs to loans | -0.0232% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0291% | 2,462 |
| Assets per employee ($millions) | 5.0812% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 5,796 |
| Loan loss allowance to noncurrent loans | 6,675.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,403 |
| Noncurrent loans to loans | 0.0141% | 6,237 |
| Net loans and leases to total assets | 61.5928% | 3,426 |
| Net loans and leases to deposits | 73.0794% | 3,389 |
| Net loans and leases to core deposits | 77.8373% | 3,387 |
| Total domestic deposits to total assets | 84.2820% | 4,057 |
| Equity capital to assets | 14.4475% | 793 |
| Core capital (leverage) ratio | 9.7671% | 3,886 |
| Tier 1 risk-based capital ratio | 14.3297% | 4,066 |
| Total risk-based capital ratio | 15.2331% | 4,247 |
| Memoranda: | ||
| Average total assets | $43,488,600 | 6,188 |
| Average earning assets | $36,486,200 | 6,273 |
| Average equity | $6,556,600 | 5,679 |
| Average total loans | $25,859,800 | 5,941 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 1,354 |
| Cost of funding earning assets | 0.2553% | 6,046 |
| Net interest margin | 4.5400% | 689 |
| Noninterest income to average assets | 0.5466% | 3,484 |
| Noninterest expense to average assets | 3.3668% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6131% | 4,294 |
| Return on assets (ROA) | 0.6336% | 4,322 |
| Pretax return on assets | 0.9659% | 3,626 |
| Return on Equity (ROE) | 4.1563% | 5,151 |
| Retained earnings to average equity (ytd only) | 4.1563% | 3,728 |
| Net charge-offs to loans | -0.0317% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7509% | 2,606 |
| Assets per employee ($millions) | 4.9701% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 5,590 |
| Loan loss allowance to noncurrent loans | 6,675.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 6,476 |
| Noncurrent loans to loans | 0.0155% | 6,314 |
| Net loans and leases to total assets | 57.2489% | 4,130 |
| Net loans and leases to deposits | 67.0560% | 4,168 |
| Net loans and leases to core deposits | 71.4629% | 4,153 |
| Total domestic deposits to total assets | 85.3748% | 3,552 |
| Equity capital to assets | 14.5224% | 822 |
| Core capital (leverage) ratio | 9.8692% | 3,864 |
| Tier 1 risk-based capital ratio | 15.2985% | 3,567 |
| Total risk-based capital ratio | 16.2952% | 3,679 |
| Memoranda: | ||
| Average total assets | $42,928,000 | 6,269 |
| Average earning assets | $35,506,000 | 6,371 |
| Average equity | $6,544,000 | 5,750 |
| Average total loans | $25,216,250 | 6,027 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 1,332 |
| Cost of funding earning assets | 0.2659% | 6,070 |
| Net interest margin | 4.5317% | 673 |
| Noninterest income to average assets | 0.6710% | 2,786 |
| Noninterest expense to average assets | 3.3501% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6818% | 3,895 |
| Return on assets (ROA) | 0.7135% | 3,916 |
| Pretax return on assets | 1.0726% | 3,202 |
| Return on Equity (ROE) | 4.6037% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.6037% | 3,336 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0540% | 2,935 |
| Assets per employee ($millions) | 4.8538% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,590 |
| Loan loss allowance to noncurrent loans | 5,220.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,519 |
| Noncurrent loans to loans | 0.0203% | 6,356 |
| Net loans and leases to total assets | 55.8648% | 4,320 |
| Net loans and leases to deposits | 65.7152% | 4,298 |
| Net loans and leases to core deposits | 70.1607% | 4,259 |
| Total domestic deposits to total assets | 85.0105% | 3,885 |
| Equity capital to assets | 14.9071% | 731 |
| Core capital (leverage) ratio | 10.1593% | 3,283 |
| Tier 1 risk-based capital ratio | 15.5709% | 3,443 |
| Total risk-based capital ratio | 16.5744% | 3,535 |
| Memoranda: | ||
| Average total assets | $42,327,000 | 6,335 |
| Average earning assets | $34,601,000 | 6,444 |
| Average equity | $6,560,000 | 5,790 |
| Average total loans | $24,996,670 | 6,069 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 1,440 |
| Cost of funding earning assets | 0.2697% | 6,159 |
| Net interest margin | 4.4674% | 715 |
| Noninterest income to average assets | 0.3265% | 5,092 |
| Noninterest expense to average assets | 3.3615% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4159% | 5,068 |
| Return on assets (ROA) | 0.4802% | 4,935 |
| Pretax return on assets | 0.7203% | 4,486 |
| Return on Equity (ROE) | 3.0377% | 5,575 |
| Retained earnings to average equity (ytd only) | 3.0377% | 4,458 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6506% | 1,937 |
| Assets per employee ($millions) | 4.7351% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,895 |
| Loan loss allowance to noncurrent loans | 73.3146% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 4,293 |
| Noncurrent loans to loans | 1.3991% | 3,470 |
| Net loans and leases to total assets | 59.0952% | 3,586 |
| Net loans and leases to deposits | 69.9964% | 3,484 |
| Net loans and leases to core deposits | 74.3351% | 3,533 |
| Total domestic deposits to total assets | 84.4260% | 4,300 |
| Equity capital to assets | 15.4918% | 638 |
| Core capital (leverage) ratio | 10.1295% | 3,242 |
| Tier 1 risk-based capital ratio | 14.6190% | 4,094 |
| Total risk-based capital ratio | 15.5869% | 4,238 |
| Memoranda: | ||
| Average total assets | $41,648,500 | 6,413 |
| Average earning assets | $34,113,500 | 6,523 |
| Average equity | $6,584,000 | 5,843 |
| Average total loans | $25,162,500 | 6,113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 1,142 |
| Cost of funding earning assets | 0.3129% | 6,392 |
| Net interest margin | 4.8738% | 473 |
| Noninterest income to average assets | 0.3455% | 4,993 |
| Noninterest expense to average assets | 3.7354% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6156% | 4,166 |
| Return on assets (ROA) | 0.6598% | 4,203 |
| Pretax return on assets | 0.6598% | 4,794 |
| Return on Equity (ROE) | 3.9327% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.7779% | 3,556 |
| Net charge-offs to loans | -0.0085% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1194% | 1,620 |
| Assets per employee ($millions) | 4.0681% | 3,816 |
| Cash dividends to net income (ytd only)* | 3.9370% | 4,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 5,765 |
| Loan loss allowance to noncurrent loans | 74.7851% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 4,331 |
| Noncurrent loans to loans | 1.4027% | 3,496 |
| Net loans and leases to total assets | 60.5172% | 3,512 |
| Net loans and leases to deposits | 72.2325% | 3,374 |
| Net loans and leases to core deposits | 76.9680% | 3,414 |
| Total domestic deposits to total assets | 83.7811% | 4,412 |
| Equity capital to assets | 16.1402% | 533 |
| Core capital (leverage) ratio | 10.5179% | 2,744 |
| Tier 1 risk-based capital ratio | 14.5653% | 3,980 |
| Total risk-based capital ratio | 15.5438% | 4,127 |
| Memoranda: | ||
| Average total assets | $38,496,400 | 6,544 |
| Average earning assets | $31,638,400 | 6,622 |
| Average equity | $6,458,600 | 5,901 |
| Average total loans | $23,567,800 | 6,263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 1,293 |
| Cost of funding earning assets | 0.3268% | 6,481 |
| Net interest margin | 4.8259% | 541 |
| Noninterest income to average assets | 0.3443% | 5,054 |
| Noninterest expense to average assets | 3.7030% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6359% | 4,207 |
| Return on assets (ROA) | 0.6956% | 4,183 |
| Pretax return on assets | 0.6956% | 4,878 |
| Return on Equity (ROE) | 4.1045% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.8972% | 4,145 |
| Net charge-offs to loans | -0.0115% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6437% | 1,633 |
| Assets per employee ($millions) | 3.7720% | 4,372 |
| Cash dividends to net income (ytd only)* | 5.0494% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 5,933 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,769 |
| Noncurrent loans to loans | 0.0120% | 6,625 |
| Net loans and leases to total assets | 65.7741% | 2,694 |
| Net loans and leases to deposits | 79.6418% | 2,451 |
| Net loans and leases to core deposits | 85.3780% | 2,540 |
| Total domestic deposits to total assets | 82.5875% | 4,796 |
| Equity capital to assets | 17.2959% | 422 |
| Core capital (leverage) ratio | 10.9846% | 2,401 |
| Tier 1 risk-based capital ratio | 14.8538% | 3,947 |
| Total risk-based capital ratio | 15.8684% | 4,075 |
| Memoranda: | ||
| Average total assets | $37,950,250 | 6,638 |
| Average earning assets | $31,412,750 | 6,710 |
| Average equity | $6,431,750 | 5,980 |
| Average total loans | $23,239,750 | 6,367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 1,548 |
| Cost of funding earning assets | 0.3347% | 6,576 |
| Net interest margin | 4.7492% | 614 |
| Noninterest income to average assets | 0.3261% | 5,220 |
| Noninterest expense to average assets | 3.6448% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6364% | 4,191 |
| Return on assets (ROA) | 0.6942% | 4,162 |
| Pretax return on assets | 0.6942% | 4,844 |
| Return on Equity (ROE) | 4.1244% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.8119% | 4,077 |
| Net charge-offs to loans | -0.0088% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4152% | 1,692 |
| Assets per employee ($millions) | 3.7791% | 4,368 |
| Cash dividends to net income (ytd only)* | 7.5758% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,907 |
| 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 | 64.0761% | 3,015 |
| Net loans and leases to deposits | 77.3272% | 2,781 |
| Net loans and leases to core deposits | 82.8571% | 2,849 |
| Total domestic deposits to total assets | 82.8636% | 4,801 |
| Equity capital to assets | 17.0834% | 435 |
| Core capital (leverage) ratio | 10.8008% | 2,480 |
| Tier 1 risk-based capital ratio | 14.5689% | 4,050 |
| Total risk-based capital ratio | 15.5835% | 4,182 |
| Memoranda: | ||
| Average total assets | $38,027,000 | 6,681 |
| Average earning assets | $31,668,670 | 6,749 |
| Average equity | $6,401,000 | 6,013 |
| Average total loans | $22,629,330 | 6,431 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 1,676 |
| Cost of funding earning assets | 0.3320% | 6,718 |
| Net interest margin | 4.7339% | 649 |
| Noninterest income to average assets | 0.3146% | 5,352 |
| Noninterest expense to average assets | 3.6178% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7340% | 3,716 |
| Return on assets (ROA) | 0.8494% | 3,402 |
| Pretax return on assets | 0.8494% | 4,233 |
| Return on Equity (ROE) | 5.0835% | 4,747 |
| Retained earnings to average equity (ytd only) | 5.0835% | 3,505 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4458% | 2,018 |
| Assets per employee ($millions) | 4.1849% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 6,666 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.8635% | 3,696 |
| Net loans and leases to deposits | 72.2128% | 3,404 |
| Net loans and leases to core deposits | 77.3801% | 3,415 |
| Total domestic deposits to total assets | 82.8988% | 4,973 |
| Equity capital to assets | 16.9977% | 428 |
| Core capital (leverage) ratio | 10.5148% | 2,732 |
| Tier 1 risk-based capital ratio | 15.0598% | 3,719 |
| Total risk-based capital ratio | 16.1143% | 3,813 |
| Memoranda: | ||
| Average total assets | $38,145,000 | 6,731 |
| Average earning assets | $32,531,500 | 6,779 |
| Average equity | $6,373,500 | 6,055 |
| Average total loans | $21,706,000 | 6,528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 3,415 |
| Cost of funding earning assets | 0.4634% | 6,687 |
| Net interest margin | 4.4254% | 1,327 |
| Noninterest income to average assets | 0.4496% | 4,213 |
| Noninterest expense to average assets | 4.2290% | 788 |
| Loan and lease loss provision to assets | -0.0545% | 7,249 |
| Net operating income to assets | -0.1335% | 6,189 |
| Return on assets (ROA) | -0.0572% | 6,203 |
| Pretax return on assets | -0.0572% | 6,178 |
| Return on Equity (ROE) | -0.3325% | 6,195 |
| Retained earnings to average equity (ytd only) | -0.3325% | 5,906 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6972% | 599 |
| Assets per employee ($millions) | 4.2918% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 5,129 |
| Loan loss allowance to noncurrent loans | 528.5714% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,390 |
| Noncurrent loans to loans | 0.2378% | 6,259 |
| Net loans and leases to total assets | 52.6770% | 5,206 |
| Net loans and leases to deposits | 63.0934% | 5,114 |
| Net loans and leases to core deposits | 67.4456% | 5,100 |
| Total domestic deposits to total assets | 83.4904% | 4,545 |
| Equity capital to assets | 16.4268% | 525 |
| Core capital (leverage) ratio | 9.8540% | 3,512 |
| Tier 1 risk-based capital ratio | 15.4395% | 3,372 |
| Total risk-based capital ratio | 16.5469% | 3,409 |
| Memoranda: | ||
| Average total assets | $36,698,600 | 6,775 |
| Average earning assets | $29,782,400 | 6,875 |
| Average equity | $6,316,200 | 6,064 |
| Average total loans | $18,705,600 | 6,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 3,145 |
| Cost of funding earning assets | 0.5067% | 6,670 |
| Net interest margin | 4.4824% | 1,189 |
| Noninterest income to average assets | 0.4639% | 4,182 |
| Noninterest expense to average assets | 4.2778% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2319% | 6,421 |
| Return on assets (ROA) | -0.1620% | 6,422 |
| Pretax return on assets | -0.1620% | 6,380 |
| Return on Equity (ROE) | -0.9299% | 6,373 |
| Retained earnings to average equity (ytd only) | -0.9299% | 6,146 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8217% | 557 |
| Assets per employee ($millions) | 3.9021% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 3,778 |
| Loan loss allowance to noncurrent loans | 547.0588% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 6,276 |
| Noncurrent loans to loans | 0.2878% | 6,276 |
| Net loans and leases to total assets | 44.6913% | 6,263 |
| Net loans and leases to deposits | 53.4283% | 6,258 |
| Net loans and leases to core deposits | 57.0573% | 6,218 |
| Total domestic deposits to total assets | 83.6473% | 4,403 |
| Equity capital to assets | 16.2579% | 591 |
| Core capital (leverage) ratio | 10.1344% | 3,266 |
| Tier 1 risk-based capital ratio | 16.9395% | 2,664 |
| Total risk-based capital ratio | 18.1883% | 2,635 |
| Memoranda: | ||
| Average total assets | $36,216,750 | 6,849 |
| Average earning assets | $28,942,250 | 6,965 |
| Average equity | $6,309,000 | 6,111 |
| Average total loans | $18,230,500 | 6,809 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 2,515 |
| Cost of funding earning assets | 0.5560% | 6,640 |
| Net interest margin | 4.5837% | 939 |
| Noninterest income to average assets | 0.4535% | 4,263 |
| Noninterest expense to average assets | 4.4442% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3458% | 6,578 |
| Return on assets (ROA) | -0.2608% | 6,557 |
| Pretax return on assets | -0.2608% | 6,504 |
| Return on Equity (ROE) | -1.4609% | 6,462 |
| Retained earnings to average equity (ytd only) | -1.4609% | 6,151 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5007% | 548 |
| Assets per employee ($millions) | 3.6565% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 4,354 |
| Loan loss allowance to noncurrent loans | 536.5385% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 6,273 |
| Noncurrent loans to loans | 0.2699% | 6,386 |
| Net loans and leases to total assets | 51.9349% | 5,571 |
| Net loans and leases to deposits | 62.8704% | 5,404 |
| Net loans and leases to core deposits | 67.5008% | 5,336 |
| Total domestic deposits to total assets | 82.6063% | 4,944 |
| Equity capital to assets | 17.3280% | 449 |
| Core capital (leverage) ratio | 10.6221% | 2,596 |
| Tier 1 risk-based capital ratio | 16.6798% | 2,656 |
| Total risk-based capital ratio | 17.9293% | 2,620 |
| Memoranda: | ||
| Average total assets | $35,282,000 | 6,944 |
| Average earning assets | $28,055,670 | 7,061 |
| Average equity | $6,297,330 | 6,143 |
| Average total loans | $18,401,330 | 6,866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 2,291 |
| Cost of funding earning assets | 0.5791% | 6,693 |
| Net interest margin | 4.6036% | 856 |
| Noninterest income to average assets | 0.4503% | 4,283 |
| Noninterest expense to average assets | 4.6766% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.5543% | 6,839 |
| Return on assets (ROA) | -0.3926% | 6,743 |
| Pretax return on assets | -0.3926% | 6,680 |
| Return on Equity (ROE) | -2.1663% | 6,600 |
| Retained earnings to average equity (ytd only) | -2.1663% | 6,173 |
| Net charge-offs to loans | 0.1113% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -9.6000% | 5,055 |
| Efficiency ratio | 111.4846% | 469 |
| Assets per employee ($millions) | 3.1794% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 4,371 |
| Loan loss allowance to noncurrent loans | 1,447.3684% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 6,497 |
| Noncurrent loans to loans | 0.1012% | 6,790 |
| Net loans and leases to total assets | 52.9008% | 5,466 |
| Net loans and leases to deposits | 64.4926% | 5,189 |
| Net loans and leases to core deposits | 69.4978% | 5,113 |
| Total domestic deposits to total assets | 82.0261% | 5,307 |
| Equity capital to assets | 17.8881% | 374 |
| Core capital (leverage) ratio | 11.2766% | 1,977 |
| Tier 1 risk-based capital ratio | 17.1245% | 2,425 |
| Total risk-based capital ratio | 18.3766% | 2,401 |
| Memoranda: | ||
| Average total assets | $34,640,500 | 7,022 |
| Average earning assets | $27,630,500 | 7,115 |
| Average equity | $6,278,000 | 6,162 |
| Average total loans | $17,967,500 | 6,941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 2,231 |
| Cost of funding earning assets | 0.9483% | 5,943 |
| Net interest margin | 4.5638% | 1,096 |
| Noninterest income to average assets | 0.6520% | 3,138 |
| Noninterest expense to average assets | 5.0410% | 399 |
| Loan and lease loss provision to assets | -0.1482% | 7,614 |
| Net operating income to assets | -0.8179% | 6,587 |
| Return on assets (ROA) | -0.7498% | 6,575 |
| Pretax return on assets | -0.7498% | 6,486 |
| Return on Equity (ROE) | -4.0628% | 6,363 |
| Retained earnings to average equity (ytd only) | -4.0628% | 6,209 |
| Net charge-offs to loans | -0.1140% | 7,508 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6000% | 394 |
| Assets per employee ($millions) | 2.8590% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,456 |
| Loan loss allowance to noncurrent loans | 9,333.3333% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 6,632 |
| Noncurrent loans to loans | 0.0175% | 7,104 |
| Net loans and leases to total assets | 49.1984% | 6,257 |
| Net loans and leases to deposits | 60.3252% | 6,020 |
| Net loans and leases to core deposits | 65.1171% | 5,965 |
| Total domestic deposits to total assets | 81.5553% | 5,340 |
| Equity capital to assets | 18.3631% | 351 |
| Core capital (leverage) ratio | 11.4020% | 1,890 |
| Tier 1 risk-based capital ratio | 18.7216% | 1,784 |
| Total risk-based capital ratio | 19.9721% | 1,752 |
| Memoranda: | ||
| Average total assets | $33,743,400 | 7,090 |
| Average earning assets | $25,307,600 | 7,249 |
| Average equity | $6,227,200 | 6,300 |
| Average total loans | $17,549,000 | 7,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5691% | 2,178 |
| Cost of funding earning assets | 1.0379% | 5,757 |
| Net interest margin | 4.5313% | 1,187 |
| Noninterest income to average assets | 0.6825% | 2,928 |
| Noninterest expense to average assets | 5.1265% | 339 |
| Loan and lease loss provision to assets | -0.1984% | 7,720 |
| Net operating income to assets | -0.8849% | 6,833 |
| Return on assets (ROA) | -0.7936% | 6,824 |
| Pretax return on assets | -0.7936% | 6,734 |
| Return on Equity (ROE) | -4.2947% | 6,589 |
| Retained earnings to average equity (ytd only) | -4.2947% | 6,493 |
| Net charge-offs to loans | -0.1435% | 7,592 |
| Credit loss provision to net charge-offs | 263.1579% | 1,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7301% | 345 |
| Assets per employee ($millions) | 2.9727% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 3,539 |
| Loan loss allowance to noncurrent loans | 435.9375% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 6,327 |
| Noncurrent loans to loans | 0.3660% | 6,461 |
| Net loans and leases to total assets | 52.6177% | 6,027 |
| Net loans and leases to deposits | 65.5991% | 5,709 |
| Net loans and leases to core deposits | 71.1668% | 5,619 |
| Total domestic deposits to total assets | 80.2110% | 5,634 |
| Equity capital to assets | 19.7034% | 302 |
| Core capital (leverage) ratio | 12.0349% | 1,646 |
| Tier 1 risk-based capital ratio | 19.2223% | 1,701 |
| Total risk-based capital ratio | 20.4748% | 1,674 |
| Memoranda: | ||
| Average total assets | $33,602,250 | 7,176 |
| Average earning assets | $24,922,500 | 7,349 |
| Average equity | $6,209,000 | 6,392 |
| Average total loans | $17,646,500 | 7,138 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6594% | 1,912 |
| Cost of funding earning assets | 1.1174% | 5,581 |
| Net interest margin | 4.5420% | 1,116 |
| Noninterest income to average assets | 0.6843% | 2,788 |
| Noninterest expense to average assets | 5.2090% | 322 |
| Loan and lease loss provision to assets | -0.2950% | 7,794 |
| Net operating income to assets | -0.8967% | 6,900 |
| Return on assets (ROA) | -0.7964% | 6,875 |
| Pretax return on assets | -0.7964% | 6,783 |
| Return on Equity (ROE) | -4.4038% | 6,647 |
| Retained earnings to average equity (ytd only) | -4.4038% | 6,486 |
| Net charge-offs to loans | -0.2373% | 7,662 |
| Credit loss provision to net charge-offs | 238.0952% | 1,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.6065% | 333 |
| Assets per employee ($millions) | 2.5765% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 3,175 |
| Loan loss allowance to noncurrent loans | 530.1887% | 618 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 4,187 |
| Noncurrent loans to loans | 0.3154% | 6,596 |
| Net loans and leases to total assets | 49.3282% | 6,511 |
| Net loans and leases to deposits | 61.3858% | 6,282 |
| Net loans and leases to core deposits | 67.1080% | 6,140 |
| Total domestic deposits to total assets | 80.3577% | 5,611 |
| Equity capital to assets | 19.4721% | 313 |
| Core capital (leverage) ratio | 12.2361% | 1,524 |
| Tier 1 risk-based capital ratio | 18.9464% | 1,734 |
| Total risk-based capital ratio | 20.1973% | 1,701 |
| Memoranda: | ||
| Average total assets | $33,903,000 | 7,216 |
| Average earning assets | $24,879,000 | 7,405 |
| Average equity | $6,131,000 | 6,426 |
| Average total loans | $17,700,330 | 7,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 1,566 |
| Cost of funding earning assets | 1.2090% | 5,351 |
| Net interest margin | 4.5582% | 1,035 |
| Noninterest income to average assets | 0.7388% | 2,363 |
| Noninterest expense to average assets | 5.6293% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.6184% | 7,367 |
| Return on assets (ROA) | -1.4425% | 7,320 |
| Pretax return on assets | -1.4425% | 7,240 |
| Return on Equity (ROE) | -8.2891% | 7,069 |
| Retained earnings to average equity (ytd only) | -8.2891% | 6,852 |
| Net charge-offs to loans | 0.1763% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -17.2500% | 5,575 |
| Efficiency ratio | 138.3041% | 268 |
| Assets per employee ($millions) | 2.5989% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 2,739 |
| Loan loss allowance to noncurrent loans | 331.8681% | 921 |
| Noncurrent assets plus other real estate owned to assets | 1.4858% | 4,283 |
| Noncurrent loans to loans | 0.5418% | 6,206 |
| Net loans and leases to total assets | 48.8220% | 6,588 |
| Net loans and leases to deposits | 59.5573% | 6,505 |
| Net loans and leases to core deposits | 64.2779% | 6,435 |
| Total domestic deposits to total assets | 81.9748% | 5,080 |
| Equity capital to assets | 17.3977% | 483 |
| Core capital (leverage) ratio | 10.1328% | 3,003 |
| Tier 1 risk-based capital ratio | 16.3554% | 2,503 |
| Total risk-based capital ratio | 17.6094% | 2,460 |
| Memoranda: | ||
| Average total assets | $34,107,500 | 7,300 |
| Average earning assets | $24,483,500 | 7,516 |
| Average equity | $5,935,500 | 6,544 |
| Average total loans | $18,149,000 | 7,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2223% | 1,187 |
| Cost of funding earning assets | 1.4258% | 5,823 |
| Net interest margin | 4.7965% | 700 |
| Noninterest income to average assets | 0.7079% | 2,914 |
| Noninterest expense to average assets | 6.3275% | 274 |
| Loan and lease loss provision to assets | 0.0624% | 6,943 |
| Net operating income to assets | -2.0520% | 7,116 |
| Return on assets (ROA) | -1.5405% | 6,887 |
| Pretax return on assets | -1.5405% | 6,729 |
| Return on Equity (ROE) | -7.8607% | 6,458 |
| Retained earnings to average equity (ytd only) | -7.8607% | 6,335 |
| Net charge-offs to loans | 0.0951% | 6,182 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | -39.8750% | 7,207 |
| Efficiency ratio | 143.7815% | 355 |
| Assets per employee ($millions) | 2.2953% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 3,327 |
| Loan loss allowance to noncurrent loans | 74.1627% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 4,668 |
| Noncurrent loans to loans | 2.1435% | 3,467 |
| Net loans and leases to total assets | 55.7408% | 5,988 |
| Net loans and leases to deposits | 68.0001% | 5,828 |
| Net loans and leases to core deposits | 87.6782% | 5,360 |
| Total domestic deposits to total assets | 81.9716% | 4,959 |
| Equity capital to assets | 17.4068% | 514 |
| Core capital (leverage) ratio | 10.3078% | 2,781 |
| Tier 1 risk-based capital ratio | 14.9359% | 2,975 |
| Total risk-based capital ratio | 16.1897% | 2,921 |
| Memoranda: | ||
| Average total assets | $32,066,600 | 7,399 |
| Average earning assets | $24,267,600 | 7,570 |
| Average equity | $6,284,400 | 6,505 |
| Average total loans | $16,825,200 | 7,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2457% | 1,253 |
| Cost of funding earning assets | 1.4481% | 6,043 |
| Net interest margin | 4.7976% | 681 |
| Noninterest income to average assets | 0.7243% | 2,855 |
| Noninterest expense to average assets | 6.2946% | 274 |
| Loan and lease loss provision to assets | 0.0847% | 6,516 |
| Net operating income to assets | -1.9782% | 7,310 |
| Return on assets (ROA) | -1.2920% | 7,013 |
| Pretax return on assets | -1.2920% | 6,859 |
| Return on Equity (ROE) | -6.3968% | 6,594 |
| Retained earnings to average equity (ytd only) | -6.3968% | 6,433 |
| Net charge-offs to loans | 0.0990% | 5,680 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | -37.2494% | 6,952 |
| Efficiency ratio | 141.0010% | 372 |
| Assets per employee ($millions) | 2.2110% | 7,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 2,927 |
| Loan loss allowance to noncurrent loans | 713.6364% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 7,212 |
| Noncurrent loans to loans | 0.2267% | 6,930 |
| Net loans and leases to total assets | 57.5758% | 5,956 |
| Net loans and leases to deposits | 71.3778% | 5,754 |
| Net loans and leases to core deposits | 96.4979% | 4,753 |
| Total domestic deposits to total assets | 80.6633% | 5,202 |
| Equity capital to assets | 18.6643% | 448 |
| Core capital (leverage) ratio | 11.5285% | 2,063 |
| Tier 1 risk-based capital ratio | 15.9985% | 2,630 |
| Total risk-based capital ratio | 17.2498% | 2,560 |
| Memoranda: | ||
| Average total assets | $31,476,000 | 7,482 |
| Average earning assets | $24,122,500 | 7,646 |
| Average equity | $6,357,250 | 6,536 |
| Average total loans | $16,156,250 | 7,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1767% | 1,537 |
| Cost of funding earning assets | 1.5082% | 6,108 |
| Net interest margin | 4.6686% | 844 |
| Noninterest income to average assets | 0.7505% | 2,700 |
| Noninterest expense to average assets | 6.1010% | 308 |
| Loan and lease loss provision to assets | 0.1294% | 5,809 |
| Net operating income to assets | -1.9151% | 7,408 |
| Return on assets (ROA) | -0.9769% | 6,961 |
| Pretax return on assets | -0.9769% | 6,802 |
| Return on Equity (ROE) | -4.7092% | 6,575 |
| Retained earnings to average equity (ytd only) | -4.7092% | 6,261 |
| Net charge-offs to loans | 0.1990% | 4,292 |
| Credit loss provision to net charge-offs | 133.3333% | 3,495 |
| Earnings coverage of net charge-offs (x) | -18.4000% | 6,561 |
| Efficiency ratio | 139.2804% | 438 |
| Assets per employee ($millions) | 2.1140% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 2,178 |
| Loan loss allowance to noncurrent loans | 567.2727% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 7,114 |
| Noncurrent loans to loans | 0.3086% | 6,739 |
| Net loans and leases to total assets | 55.2129% | 6,314 |
| Net loans and leases to deposits | 69.4845% | 6,046 |
| Net loans and leases to core deposits | 87.9755% | 5,723 |
| Total domestic deposits to total assets | 79.4607% | 5,667 |
| Equity capital to assets | 20.0032% | 385 |
| Core capital (leverage) ratio | 12.5493% | 1,597 |
| Tier 1 risk-based capital ratio | 18.2499% | 1,944 |
| Total risk-based capital ratio | 19.4992% | 1,896 |
| Memoranda: | ||
| Average total assets | $30,913,000 | 7,570 |
| Average earning assets | $23,604,670 | 7,737 |
| Average equity | $6,413,000 | 6,567 |
| Average total loans | $15,072,000 | 7,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0828% | 2,005 |
| Cost of funding earning assets | 1.5944% | 6,052 |
| Net interest margin | 4.4884% | 1,151 |
| Noninterest income to average assets | 0.7472% | 2,618 |
| Noninterest expense to average assets | 5.7940% | 313 |
| Loan and lease loss provision to assets | 0.2622% | 3,862 |
| Net operating income to assets | -1.9138% | 7,633 |
| Return on assets (ROA) | -1.9138% | 7,636 |
| Pretax return on assets | -1.9138% | 7,512 |
| Return on Equity (ROE) | -9.0571% | 7,302 |
| Retained earnings to average equity (ytd only) | -9.0571% | 7,019 |
| Net charge-offs to loans | 0.3796% | 2,572 |
| Credit loss provision to net charge-offs | 153.8462% | 2,714 |
| Earnings coverage of net charge-offs (x) | -9.6923% | 5,617 |
| Efficiency ratio | 137.6582% | 429 |
| Assets per employee ($millions) | 1.8851% | 7,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2439% | 1,027 |
| Loan loss allowance to noncurrent loans | 121.7899% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 5,066 |
| Noncurrent loans to loans | 1.8424% | 3,504 |
| Net loans and leases to total assets | 45.2107% | 7,249 |
| Net loans and leases to deposits | 57.5407% | 7,065 |
| Net loans and leases to core deposits | 65.7822% | 7,248 |
| Total domestic deposits to total assets | 78.5717% | 5,851 |
| Equity capital to assets | 21.1863% | 352 |
| Core capital (leverage) ratio | 13.2645% | 1,399 |
| Tier 1 risk-based capital ratio | 22.9390% | 1,203 |
| Total risk-based capital ratio | 24.1983% | 1,170 |
| Memoranda: | ||
| Average total assets | $30,514,500 | 7,628 |
| Average earning assets | $23,081,500 | 7,805 |
| Average equity | $6,448,000 | 6,597 |
| Average total loans | $13,698,000 | 7,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 8,134 |
| Cost of funding earning assets | 1.0515% | 8,030 |
| Net interest margin | 2.5460% | 7,699 |
| Noninterest income to average assets | 0.4172% | 5,321 |
| Noninterest expense to average assets | 2.2566% | 6,816 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1379% | 6,009 |
| Return on assets (ROA) | 0.1379% | 5,839 |
| Pretax return on assets | 0.2249% | 5,673 |
| Return on Equity (ROE) | 0.7384% | 5,997 |
| Retained earnings to average equity (ytd only) | 0.7384% | 4,788 |
| Net charge-offs to loans | -0.1664% | 8,148 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 1,596 |
| Assets per employee ($millions) | 2.2049% | 7,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 879 |
| Loan loss allowance to noncurrent loans | 297.0874% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 6,270 |
| Noncurrent loans to loans | 0.7660% | 5,117 |
| Net loans and leases to total assets | 42.5716% | 7,553 |
| Net loans and leases to deposits | 54.2255% | 7,427 |
| Net loans and leases to core deposits | 61.2406% | 7,530 |
| Total domestic deposits to total assets | 78.5085% | 5,545 |
| Equity capital to assets | 21.0768% | 397 |
| Core capital (leverage) ratio | 13.6785% | 1,338 |
| Tier 1 risk-based capital ratio | 23.1782% | 1,168 |
| Total risk-based capital ratio | 24.4350% | 1,144 |
| Memoranda: | ||
| Average total assets | $27,563,200 | 7,746 |
| Average earning assets | $22,348,800 | 7,846 |
| Average equity | $5,146,400 | 7,101 |
| Average total loans | $10,817,400 | 7,902 |