Home > Commerce Bank & Trust > Performance and Condition Ratios
Commerce Bank & Trust, 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 | 4.9058% | 2,262 |
| Cost of funding earning assets | 1.7550% | 1,340 |
| Net interest margin | 3.1508% | 2,979 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.6319% | 1,915 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4511% | 3,765 |
| Return on assets (ROA) | 0.4511% | 3,767 |
| Pretax return on assets | 0.4511% | 3,893 |
| Return on Equity (ROE) | 7.8900% | 3,053 |
| Retained earnings to average equity (ytd only) | -0.1610% | 4,102 |
| 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 | 83.7010% | 678 |
| Assets per employee ($millions) | 8.3592% | 1,245 |
| Cash dividends to net income (ytd only)* | 102.0408% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 956 |
| 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 | 67.8700% | 2,054 |
| Net loans and leases to deposits | 75.4111% | 2,511 |
| Net loans and leases to core deposits | 97.9548% | 1,545 |
| Total domestic deposits to total assets | 90.0000% | 756 |
| Equity capital to assets | 5.8852% | 4,255 |
| Core capital (leverage) ratio | 9.2338% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1833% | 2,174 |
| Memoranda: | ||
| Average total assets | $162,925,200 | 3,252 |
| Average earning assets | $153,166,400 | 3,221 |
| Average equity | $9,314,400 | 3,791 |
| Average total loans | $112,984,400 | 3,017 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 2,185 |
| Cost of funding earning assets | 1.6026% | 1,368 |
| Net interest margin | 3.2386% | 2,827 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.6261% | 1,864 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5387% | 3,685 |
| Return on assets (ROA) | 0.5387% | 3,673 |
| Pretax return on assets | 0.5387% | 3,845 |
| Return on Equity (ROE) | 9.5000% | 2,801 |
| Retained earnings to average equity (ytd only) | 1.3357% | 3,881 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.3888% | 771 |
| Assets per employee ($millions) | 7.9600% | 1,365 |
| Cash dividends to net income (ytd only)* | 85.9327% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 965 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.2400% | 2,219 |
| Net loans and leases to deposits | 73.3740% | 2,618 |
| Net loans and leases to core deposits | 91.4964% | 1,832 |
| Total domestic deposits to total assets | 90.2800% | 867 |
| Equity capital to assets | 4.8349% | 4,281 |
| Core capital (leverage) ratio | 9.1203% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9306% | 1,922 |
| Memoranda: | ||
| Average total assets | $161,860,750 | 3,266 |
| Average earning assets | $151,994,750 | 3,244 |
| Average equity | $9,183,250 | 3,804 |
| Average total loans | $112,420,250 | 3,033 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 2,133 |
| Cost of funding earning assets | 1.3813% | 1,500 |
| Net interest margin | 3.3587% | 2,618 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.6447% | 1,810 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6021% | 3,566 |
| Return on assets (ROA) | 0.6021% | 3,574 |
| Pretax return on assets | 0.6021% | 3,800 |
| Return on Equity (ROE) | 10.0900% | 2,673 |
| Retained earnings to average equity (ytd only) | 2.2408% | 3,661 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.9169% | 846 |
| Assets per employee ($millions) | 8.0504% | 1,292 |
| Cash dividends to net income (ytd only)* | 77.8008% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,077 |
| 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 | 65.6200% | 2,196 |
| Net loans and leases to deposits | 72.4929% | 2,611 |
| Net loans and leases to core deposits | 90.4652% | 1,765 |
| Total domestic deposits to total assets | 90.5200% | 777 |
| Equity capital to assets | 5.6128% | 4,266 |
| Core capital (leverage) ratio | 9.2020% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4765% | 2,106 |
| Memoranda: | ||
| Average total assets | $160,094,000 | 3,295 |
| Average earning assets | $150,000,333 | 3,269 |
| Average equity | $9,550,333 | 3,793 |
| Average total loans | $112,399,667 | 3,033 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,992 |
| Cost of funding earning assets | 1.0066% | 2,025 |
| Net interest margin | 3.6347% | 2,047 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.6271% | 1,880 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8765% | 2,938 |
| Return on assets (ROA) | 0.8765% | 2,890 |
| Pretax return on assets | 0.8765% | 3,295 |
| Return on Equity (ROE) | 14.2400% | 1,734 |
| Retained earnings to average equity (ytd only) | 6.3876% | 2,666 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.6311% | 1,376 |
| Assets per employee ($millions) | 7.2477% | 1,787 |
| Cash dividends to net income (ytd only)* | 55.1320% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,257 |
| 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 | 70.1900% | 1,605 |
| Net loans and leases to deposits | 81.1174% | 1,735 |
| Net loans and leases to core deposits | 95.9120% | 1,287 |
| Total domestic deposits to total assets | 86.5200% | 2,436 |
| Equity capital to assets | 6.2076% | 4,135 |
| Core capital (leverage) ratio | 9.7932% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4975% | 2,177 |
| Memoranda: | ||
| Average total assets | $155,611,500 | 3,377 |
| Average earning assets | $145,048,000 | 3,354 |
| Average equity | $9,581,000 | 3,831 |
| Average total loans | $112,268,500 | 3,073 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 2,492 |
| Cost of funding earning assets | 0.4184% | 1,952 |
| Net interest margin | 3.2950% | 2,576 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.5578% | 1,946 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7282% | 3,538 |
| Return on assets (ROA) | 0.7282% | 3,483 |
| Pretax return on assets | 0.7282% | 3,796 |
| Return on Equity (ROE) | 11.5600% | 2,282 |
| Retained earnings to average equity (ytd only) | 6.8158% | 2,315 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.4506% | 967 |
| Assets per employee ($millions) | 6.8988% | 2,047 |
| Cash dividends to net income (ytd only)* | 41.0172% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,164 |
| 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 | 71.9800% | 1,419 |
| Net loans and leases to deposits | 79.6068% | 1,802 |
| Net loans and leases to core deposits | 91.8803% | 1,398 |
| Total domestic deposits to total assets | 90.4200% | 1,188 |
| Equity capital to assets | 6.1039% | 4,055 |
| Core capital (leverage) ratio | 9.1551% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8075% | 2,048 |
| Memoranda: | ||
| Average total assets | $167,408,800 | 3,287 |
| Average earning assets | $157,509,200 | 3,261 |
| Average equity | $10,549,000 | 3,805 |
| Average total loans | $98,154,400 | 3,175 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 2,868 |
| Cost of funding earning assets | 0.3998% | 1,291 |
| Net interest margin | 3.0186% | 3,170 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.2585% | 2,765 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7744% | 3,339 |
| Return on assets (ROA) | 0.7744% | 3,293 |
| Pretax return on assets | 0.7744% | 3,644 |
| Return on Equity (ROE) | 12.2000% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.3644% | 1,239 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1167% | 1,376 |
| Assets per employee ($millions) | 9.6412% | 719 |
| Cash dividends to net income (ytd only)* | 15.0754% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 1,006 |
| 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 | 57.2400% | 2,776 |
| Net loans and leases to deposits | 61.2721% | 3,087 |
| Net loans and leases to core deposits | 64.9209% | 3,039 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 4.7355% | 4,342 |
| Core capital (leverage) ratio | 8.7716% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7447% | 1,789 |
| Memoranda: | ||
| Average total assets | $171,317,750 | 3,288 |
| Average earning assets | $161,085,000 | 3,259 |
| Average equity | $10,870,250 | 3,824 |
| Average total loans | $94,962,750 | 3,237 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2600% | 2,872 |
| Cost of funding earning assets | 0.4094% | 862 |
| Net interest margin | 2.8507% | 3,285 |
| Noninterest income to average assets | 0.1806% | 4,100 |
| Noninterest expense to average assets | 2.1738% | 2,936 |
| Loan and lease loss provision to assets | 0.0563% | 1,575 |
| Net operating income to assets | 0.6285% | 3,545 |
| Return on assets (ROA) | 0.6285% | 3,493 |
| Pretax return on assets | 0.6285% | 3,757 |
| Return on Equity (ROE) | 9.1200% | 2,661 |
| Retained earnings to average equity (ytd only) | 7.4185% | 1,844 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0459% | 1,279 |
| Assets per employee ($millions) | 8.6937% | 987 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 893 |
| 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 | 52.8794% | 3,072 |
| Net loans and leases to deposits | 56.8472% | 3,313 |
| Net loans and leases to core deposits | 61.6153% | 3,148 |
| Total domestic deposits to total assets | 93.0202% | 509 |
| Equity capital to assets | 5.5086% | 4,359 |
| Core capital (leverage) ratio | 8.1276% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5791% | 1,552 |
| Memoranda: | ||
| Average total assets | $170,576,333 | 3,331 |
| Average earning assets | $160,243,333 | 3,310 |
| Average equity | $11,754,333 | 3,807 |
| Average total loans | $92,954,000 | 3,288 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 2,988 |
| Cost of funding earning assets | 0.4282% | 734 |
| Net interest margin | 2.6701% | 3,478 |
| Noninterest income to average assets | 0.2605% | 3,575 |
| Noninterest expense to average assets | 2.2045% | 2,828 |
| Loan and lease loss provision to assets | 0.0568% | 1,372 |
| Net operating income to assets | 0.5091% | 3,687 |
| Return on assets (ROA) | 0.5091% | 3,655 |
| Pretax return on assets | 0.5091% | 3,856 |
| Return on Equity (ROE) | 6.6965% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.1392% | 2,541 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5726% | 1,181 |
| Assets per employee ($millions) | 9.8918% | 703 |
| Cash dividends to net income (ytd only)* | 23.2558% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,041 |
| 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 | 51.7745% | 3,006 |
| Net loans and leases to deposits | 55.7541% | 3,291 |
| Net loans and leases to core deposits | 60.4007% | 3,105 |
| Total domestic deposits to total assets | 92.8622% | 312 |
| Equity capital to assets | 6.2392% | 4,521 |
| Core capital (leverage) ratio | 7.9462% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0928% | 1,770 |
| Memoranda: | ||
| Average total assets | $168,928,000 | 3,357 |
| Average earning assets | $158,794,500 | 3,341 |
| Average equity | $12,842,500 | 3,777 |
| Average total loans | $92,646,000 | 3,289 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 2,922 |
| Cost of funding earning assets | 0.5880% | 579 |
| Net interest margin | 2.8145% | 3,626 |
| Noninterest income to average assets | 0.3696% | 3,219 |
| Noninterest expense to average assets | 2.4601% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5395% | 4,000 |
| Return on assets (ROA) | 0.5395% | 4,053 |
| Pretax return on assets | 0.5395% | 4,196 |
| Return on Equity (ROE) | 5.5538% | 3,870 |
| Retained earnings to average equity (ytd only) | 1.3663% | 4,153 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0133% | 673 |
| Assets per employee ($millions) | 9.4002% | 809 |
| Cash dividends to net income (ytd only)* | 75.3998% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,648 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.2718% | 2,571 |
| Net loans and leases to deposits | 62.5854% | 2,826 |
| Net loans and leases to core deposits | 77.1807% | 1,828 |
| Total domestic deposits to total assets | 89.9120% | 996 |
| Equity capital to assets | 9.1212% | 3,493 |
| Core capital (leverage) ratio | 8.9964% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9738% | 1,520 |
| Memoranda: | ||
| Average total assets | $150,686,800 | 3,476 |
| Average earning assets | $140,806,000 | 3,464 |
| Average equity | $14,638,600 | 3,674 |
| Average total loans | $89,231,200 | 3,346 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 3,045 |
| Cost of funding earning assets | 0.6227% | 567 |
| Net interest margin | 2.7981% | 3,783 |
| Noninterest income to average assets | 0.4016% | 3,074 |
| Noninterest expense to average assets | 2.5227% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4869% | 4,229 |
| Return on assets (ROA) | 0.4869% | 4,276 |
| Pretax return on assets | 0.4869% | 4,383 |
| Return on Equity (ROE) | 4.9313% | 4,132 |
| Retained earnings to average equity (ytd only) | -0.1911% | 4,584 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8209% | 527 |
| Assets per employee ($millions) | 9.5333% | 760 |
| Cash dividends to net income (ytd only)* | 103.8745% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 2,900 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.5202% | 3,023 |
| Net loans and leases to deposits | 60.0047% | 3,229 |
| Net loans and leases to core deposits | 73.7700% | 2,259 |
| Total domestic deposits to total assets | 89.1933% | 1,170 |
| Equity capital to assets | 8.9266% | 3,901 |
| Core capital (leverage) ratio | 9.1867% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2723% | 1,548 |
| Memoranda: | ||
| Average total assets | $148,407,750 | 3,529 |
| Average earning assets | $138,329,250 | 3,525 |
| Average equity | $14,654,250 | 3,719 |
| Average total loans | $88,663,250 | 3,401 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 2,878 |
| Cost of funding earning assets | 0.6322% | 630 |
| Net interest margin | 2.8731% | 3,633 |
| Noninterest income to average assets | 0.4226% | 2,994 |
| Noninterest expense to average assets | 2.5498% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5519% | 4,103 |
| Return on assets (ROA) | 0.5519% | 4,149 |
| Pretax return on assets | 0.5519% | 4,308 |
| Return on Equity (ROE) | 5.3952% | 4,060 |
| Retained earnings to average equity (ytd only) | 0.2990% | 4,463 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2053% | 659 |
| Assets per employee ($millions) | 8.2686% | 1,097 |
| Cash dividends to net income (ytd only)* | 94.4584% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,964 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.1823% | 2,524 |
| Net loans and leases to deposits | 67.5760% | 2,661 |
| Net loans and leases to core deposits | 84.7027% | 1,516 |
| Total domestic deposits to total assets | 87.5789% | 2,053 |
| Equity capital to assets | 9.8895% | 2,960 |
| Core capital (leverage) ratio | 9.4179% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3138% | 1,526 |
| Memoranda: | ||
| Average total assets | $143,855,000 | 3,590 |
| Average earning assets | $134,140,333 | 3,582 |
| Average equity | $14,716,667 | 3,714 |
| Average total loans | $88,778,667 | 3,418 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 2,791 |
| Cost of funding earning assets | 0.6232% | 786 |
| Net interest margin | 2.9243% | 3,453 |
| Noninterest income to average assets | 0.4329% | 2,912 |
| Noninterest expense to average assets | 2.5409% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6140% | 3,903 |
| Return on assets (ROA) | 0.6140% | 3,970 |
| Pretax return on assets | 0.6140% | 4,170 |
| Return on Equity (ROE) | 5.8985% | 3,886 |
| Retained earnings to average equity (ytd only) | 0.7883% | 4,256 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5381% | 793 |
| Assets per employee ($millions) | 8.1966% | 1,102 |
| Cash dividends to net income (ytd only)* | 86.6359% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 3,166 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.2765% | 2,771 |
| Net loans and leases to deposits | 66.8751% | 2,824 |
| Net loans and leases to core deposits | 84.2165% | 1,659 |
| Total domestic deposits to total assets | 87.1423% | 2,257 |
| Equity capital to assets | 9.9337% | 2,765 |
| Core capital (leverage) ratio | 10.0864% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1600% | 1,855 |
| Memoranda: | ||
| Average total assets | $141,365,000 | 3,622 |
| Average earning assets | $131,587,500 | 3,616 |
| Average equity | $14,715,500 | 3,715 |
| Average total loans | $88,336,500 | 3,437 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 2,393 |
| Cost of funding earning assets | 0.8317% | 1,086 |
| Net interest margin | 3.2780% | 3,129 |
| Noninterest income to average assets | 0.4274% | 2,979 |
| Noninterest expense to average assets | 2.7972% | 1,946 |
| Loan and lease loss provision to assets | 0.0389% | 3,920 |
| Net operating income to assets | 0.6138% | 3,701 |
| Return on assets (ROA) | 0.6138% | 3,826 |
| Pretax return on assets | 0.6138% | 4,051 |
| Return on Equity (ROE) | 5.4012% | 3,776 |
| Retained earnings to average equity (ytd only) | 0.2735% | 4,436 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0811% | 806 |
| Assets per employee ($millions) | 7.5107% | 1,274 |
| Cash dividends to net income (ytd only)* | 94.9367% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,205 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.7487% | 2,269 |
| Net loans and leases to deposits | 76.5066% | 2,228 |
| Net loans and leases to core deposits | 84.7682% | 1,968 |
| Total domestic deposits to total assets | 84.6315% | 2,902 |
| Equity capital to assets | 10.9289% | 2,318 |
| Core capital (leverage) ratio | 11.1964% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8591% | 1,295 |
| Memoranda: | ||
| Average total assets | $128,698,800 | 3,641 |
| Average earning assets | $118,669,800 | 3,634 |
| Average equity | $14,626,400 | 3,682 |
| Average total loans | $88,238,600 | 3,430 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 2,324 |
| Cost of funding earning assets | 0.8532% | 1,244 |
| Net interest margin | 3.3720% | 2,995 |
| Noninterest income to average assets | 0.4480% | 2,859 |
| Noninterest expense to average assets | 2.8088% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7449% | 3,302 |
| Return on assets (ROA) | 0.7449% | 3,404 |
| Pretax return on assets | 0.7449% | 3,789 |
| Return on Equity (ROE) | 6.4886% | 3,374 |
| Retained earnings to average equity (ytd only) | 1.3526% | 4,132 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0375% | 938 |
| Assets per employee ($millions) | 7.0889% | 1,439 |
| Cash dividends to net income (ytd only)* | 79.1549% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 3,297 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 65.5839% | 2,570 |
| Net loans and leases to deposits | 79.4571% | 2,377 |
| Net loans and leases to core deposits | 88.3396% | 2,114 |
| Total domestic deposits to total assets | 82.5400% | 3,267 |
| Equity capital to assets | 11.6152% | 1,927 |
| Core capital (leverage) ratio | 10.6241% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3758% | 1,167 |
| Memoranda: | ||
| Average total assets | $127,075,500 | 3,655 |
| Average earning assets | $117,040,000 | 3,651 |
| Average equity | $14,589,250 | 3,691 |
| Average total loans | $88,019,750 | 3,452 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,560 |
| Cost of funding earning assets | 0.8840% | 1,445 |
| Net interest margin | 3.3818% | 3,155 |
| Noninterest income to average assets | 0.4113% | 3,011 |
| Noninterest expense to average assets | 2.7659% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7565% | 3,196 |
| Return on assets (ROA) | 0.7565% | 3,312 |
| Pretax return on assets | 0.7565% | 3,722 |
| Return on Equity (ROE) | 6.6152% | 3,285 |
| Retained earnings to average equity (ytd only) | 1.4471% | 3,955 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5235% | 1,003 |
| Assets per employee ($millions) | 7.3599% | 1,247 |
| Cash dividends to net income (ytd only)* | 78.1250% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 3,451 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.7979% | 3,032 |
| Net loans and leases to deposits | 75.1605% | 2,957 |
| Net loans and leases to core deposits | 83.9477% | 2,607 |
| Total domestic deposits to total assets | 83.5518% | 2,901 |
| Equity capital to assets | 10.5672% | 2,695 |
| Core capital (leverage) ratio | 11.0432% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6794% | 1,323 |
| Memoranda: | ||
| Average total assets | $126,900,667 | 3,638 |
| Average earning assets | $116,744,000 | 3,639 |
| Average equity | $14,512,000 | 3,705 |
| Average total loans | $88,955,000 | 3,437 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 2,061 |
| Cost of funding earning assets | 0.9729% | 1,546 |
| Net interest margin | 3.6073% | 2,642 |
| Noninterest income to average assets | 0.5547% | 2,258 |
| Noninterest expense to average assets | 2.9660% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8768% | 2,591 |
| Return on assets (ROA) | 0.8768% | 2,695 |
| Pretax return on assets | 0.8768% | 3,202 |
| Return on Equity (ROE) | 7.3438% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.1141% | 3,401 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1824% | 1,436 |
| Assets per employee ($millions) | 6.7572% | 1,200 |
| Cash dividends to net income (ytd only)* | 71.2121% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,492 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.7570% | 1,957 |
| Net loans and leases to deposits | 88.8009% | 1,662 |
| Net loans and leases to core deposits | 101.4860% | 1,361 |
| Total domestic deposits to total assets | 80.8065% | 3,707 |
| Equity capital to assets | 11.8408% | 2,186 |
| Core capital (leverage) ratio | 11.7912% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6173% | 1,208 |
| Memoranda: | ||
| Average total assets | $120,431,500 | 3,696 |
| Average earning assets | $109,778,500 | 3,713 |
| Average equity | $14,379,500 | 3,728 |
| Average total loans | $88,760,000 | 3,424 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 2,372 |
| Cost of funding earning assets | 0.8625% | 2,367 |
| Net interest margin | 3.8230% | 2,433 |
| Noninterest income to average assets | 0.3450% | 3,642 |
| Noninterest expense to average assets | 3.0950% | 1,777 |
| Loan and lease loss provision to assets | -0.3459% | 5,153 |
| Net operating income to assets | 1.2107% | 2,019 |
| Return on assets (ROA) | 1.2107% | 2,108 |
| Pretax return on assets | 1.2107% | 2,804 |
| Return on Equity (ROE) | 9.7729% | 2,405 |
| Retained earnings to average equity (ytd only) | 1.7452% | 4,102 |
| Net charge-offs to loans | -0.0056% | 4,364 |
| Credit loss provision to net charge-offs | 8,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1612% | 1,131 |
| Assets per employee ($millions) | 7.0137% | 1,035 |
| Cash dividends to net income (ytd only)* | 82.1429% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,456 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.1207% | 1,902 |
| Net loans and leases to deposits | 89.8711% | 1,605 |
| Net loans and leases to core deposits | 102.0735% | 1,401 |
| Total domestic deposits to total assets | 81.3617% | 3,691 |
| Equity capital to assets | 12.0411% | 2,112 |
| Core capital (leverage) ratio | 12.4227% | 1,528 |
| Tier 1 risk-based capital ratio | 16.2381% | 2,317 |
| Total risk-based capital ratio | 17.4942% | 2,260 |
| Memoranda: | ||
| Average total assets | $115,637,800 | 3,754 |
| Average earning assets | $109,338,800 | 3,721 |
| Average equity | $14,325,400 | 3,709 |
| Average total loans | $88,656,400 | 3,433 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 2,379 |
| Cost of funding earning assets | 0.8299% | 2,568 |
| Net interest margin | 3.8813% | 2,322 |
| Noninterest income to average assets | 0.4021% | 3,302 |
| Noninterest expense to average assets | 3.1677% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9354% | 3,216 |
| Return on assets (ROA) | 0.9354% | 3,287 |
| Pretax return on assets | 0.9354% | 3,776 |
| Return on Equity (ROE) | 7.4965% | 3,505 |
| Retained earnings to average equity (ytd only) | 5.1684% | 2,810 |
| Net charge-offs to loans | -0.0060% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2019% | 1,193 |
| Assets per employee ($millions) | 5.9874% | 1,617 |
| Cash dividends to net income (ytd only)* | 31.0563% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2698% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,530 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.0092% | 1,996 |
| Net loans and leases to deposits | 91.7482% | 1,471 |
| Net loans and leases to core deposits | 106.2328% | 1,166 |
| Total domestic deposits to total assets | 79.5756% | 4,076 |
| Equity capital to assets | 12.9139% | 1,680 |
| Core capital (leverage) ratio | 12.5826% | 1,534 |
| Tier 1 risk-based capital ratio | 18.1130% | 1,783 |
| Total risk-based capital ratio | 19.3764% | 1,742 |
| Memoranda: | ||
| Average total assets | $114,739,000 | 3,811 |
| Average earning assets | $109,410,000 | 3,760 |
| Average equity | $14,317,500 | 3,741 |
| Average total loans | $88,642,250 | 3,468 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 2,504 |
| Cost of funding earning assets | 0.7721% | 2,791 |
| Net interest margin | 3.8822% | 2,296 |
| Noninterest income to average assets | 0.4363% | 3,030 |
| Noninterest expense to average assets | 3.1374% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0046% | 2,905 |
| Return on assets (ROA) | 1.0046% | 2,972 |
| Pretax return on assets | 1.0046% | 3,526 |
| Return on Equity (ROE) | 8.1449% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.0311% | 2,268 |
| Net charge-offs to loans | -0.0089% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7449% | 1,429 |
| Assets per employee ($millions) | 6.7488% | 1,118 |
| Cash dividends to net income (ytd only)* | 25.9516% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1517% | 356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,599 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.2100% | 2,180 |
| Net loans and leases to deposits | 88.1679% | 1,983 |
| Net loans and leases to core deposits | 97.6870% | 1,908 |
| Total domestic deposits to total assets | 81.9006% | 3,542 |
| Equity capital to assets | 11.9477% | 2,227 |
| Core capital (leverage) ratio | 12.4965% | 1,540 |
| Tier 1 risk-based capital ratio | 17.3432% | 1,987 |
| Total risk-based capital ratio | 18.6068% | 1,938 |
| Memoranda: | ||
| Average total assets | $115,065,000 | 3,828 |
| Average earning assets | $109,835,330 | 3,777 |
| Average equity | $14,193,000 | 3,762 |
| Average total loans | $89,861,330 | 3,459 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 2,138 |
| Cost of funding earning assets | 0.7468% | 2,805 |
| Net interest margin | 3.9777% | 1,921 |
| Noninterest income to average assets | 0.6151% | 1,973 |
| Noninterest expense to average assets | 3.2541% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1515% | 2,258 |
| Return on assets (ROA) | 1.1515% | 2,310 |
| Pretax return on assets | 1.1515% | 2,973 |
| Return on Equity (ROE) | 9.1787% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.7534% | 1,754 |
| Net charge-offs to loans | -0.0178% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8636% | 1,772 |
| Assets per employee ($millions) | 6.7285% | 1,126 |
| Cash dividends to net income (ytd only)* | 15.5280% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1260% | 403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,587 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.5965% | 1,219 |
| Net loans and leases to deposits | 93.0748% | 1,275 |
| Net loans and leases to core deposits | 103.3319% | 1,362 |
| Total domestic deposits to total assets | 83.3701% | 3,266 |
| Equity capital to assets | 12.4502% | 1,767 |
| Core capital (leverage) ratio | 12.3821% | 1,569 |
| Tier 1 risk-based capital ratio | 17.7839% | 1,858 |
| Total risk-based capital ratio | 19.0477% | 1,810 |
| Memoranda: | ||
| Average total assets | $111,858,000 | 3,907 |
| Average earning assets | $106,594,000 | 3,868 |
| Average equity | $14,032,500 | 3,796 |
| Average total loans | $89,967,500 | 3,492 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 1,485 |
| Cost of funding earning assets | 0.5675% | 2,941 |
| Net interest margin | 4.2574% | 1,253 |
| Noninterest income to average assets | 3.4120% | 131 |
| Noninterest expense to average assets | 5.1483% | 186 |
| Loan and lease loss provision to assets | -0.0904% | 5,255 |
| Net operating income to assets | 2.3639% | 187 |
| Return on assets (ROA) | 2.3639% | 183 |
| Pretax return on assets | 2.3639% | 262 |
| Return on Equity (ROE) | 18.8125% | 317 |
| Retained earnings to average equity (ytd only) | -2.7780% | 5,171 |
| Net charge-offs to loans | -0.4395% | 5,336 |
| Credit loss provision to net charge-offs | 25.4453% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3676% | 2,314 |
| Assets per employee ($millions) | 3.4166% | 4,643 |
| Cash dividends to net income (ytd only)* | 114.7666% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1558% | 360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,506 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.8714% | 960 |
| Net loans and leases to deposits | 95.8467% | 1,085 |
| Net loans and leases to core deposits | 106.0323% | 1,266 |
| Total domestic deposits to total assets | 83.3324% | 3,216 |
| Equity capital to assets | 12.6441% | 1,514 |
| Core capital (leverage) ratio | 12.4313% | 1,493 |
| Tier 1 risk-based capital ratio | 17.3827% | 1,927 |
| Total risk-based capital ratio | 18.6470% | 1,883 |
| Memoranda: | ||
| Average total assets | $110,581,000 | 3,934 |
| Average earning assets | $104,148,600 | 3,915 |
| Average equity | $13,895,000 | 3,762 |
| Average total loans | $89,410,400 | 3,489 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 1,421 |
| Cost of funding earning assets | 0.5399% | 2,933 |
| Net interest margin | 4.2628% | 1,202 |
| Noninterest income to average assets | 3.3304% | 146 |
| Noninterest expense to average assets | 5.0438% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2928% | 231 |
| Return on assets (ROA) | 2.2928% | 229 |
| Pretax return on assets | 2.2928% | 343 |
| Return on Equity (ROE) | 18.2753% | 400 |
| Retained earnings to average equity (ytd only) | 9.6504% | 1,010 |
| Net charge-offs to loans | -0.5917% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7480% | 2,395 |
| Assets per employee ($millions) | 3.7969% | 4,171 |
| Cash dividends to net income (ytd only)* | 47.1946% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2132% | 353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 3,112 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 78.7030% | 1,216 |
| Net loans and leases to deposits | 94.9048% | 1,277 |
| Net loans and leases to core deposits | 103.8843% | 1,458 |
| Total domestic deposits to total assets | 82.9283% | 3,331 |
| Equity capital to assets | 12.7111% | 1,460 |
| Core capital (leverage) ratio | 12.6946% | 1,420 |
| Tier 1 risk-based capital ratio | 17.5889% | 1,900 |
| Total risk-based capital ratio | 18.8532% | 1,858 |
| Memoranda: | ||
| Average total assets | $110,893,250 | 3,968 |
| Average earning assets | $104,217,500 | 3,949 |
| Average equity | $13,912,750 | 3,783 |
| Average total loans | $89,450,750 | 3,521 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 1,277 |
| Cost of funding earning assets | 0.5132% | 2,906 |
| Net interest margin | 4.2764% | 1,086 |
| Noninterest income to average assets | 3.3179% | 147 |
| Noninterest expense to average assets | 5.0706% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2969% | 208 |
| Return on assets (ROA) | 2.2969% | 202 |
| Pretax return on assets | 2.2969% | 331 |
| Return on Equity (ROE) | 18.3911% | 381 |
| Retained earnings to average equity (ytd only) | 6.7327% | 2,196 |
| Net charge-offs to loans | -0.7688% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8241% | 2,512 |
| Assets per employee ($millions) | 4.1697% | 3,629 |
| Cash dividends to net income (ytd only)* | 63.3914% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2615% | 333 |
| Loan loss allowance to noncurrent loans | 2,434.5679% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 3,397 |
| Noncurrent loans to loans | 0.0929% | 4,497 |
| Net loans and leases to total assets | 72.9981% | 2,116 |
| Net loans and leases to deposits | 87.0070% | 2,221 |
| Net loans and leases to core deposits | 95.8964% | 2,066 |
| Total domestic deposits to total assets | 83.8991% | 3,108 |
| Equity capital to assets | 12.0376% | 1,832 |
| Core capital (leverage) ratio | 13.0226% | 1,207 |
| Tier 1 risk-based capital ratio | 17.7045% | 1,886 |
| Total risk-based capital ratio | 18.9699% | 1,839 |
| Memoranda: | ||
| Average total assets | $109,888,330 | 4,019 |
| Average earning assets | $104,060,670 | 3,984 |
| Average equity | $13,724,000 | 3,833 |
| Average total loans | $88,708,330 | 3,551 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 1,129 |
| Cost of funding earning assets | 0.5179% | 2,658 |
| Net interest margin | 4.2583% | 1,025 |
| Noninterest income to average assets | 3.3328% | 140 |
| Noninterest expense to average assets | 5.2754% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0741% | 315 |
| Return on assets (ROA) | 2.0741% | 315 |
| Pretax return on assets | 2.0741% | 494 |
| Return on Equity (ROE) | 16.2844% | 579 |
| Retained earnings to average equity (ytd only) | -4.3661% | 5,166 |
| Net charge-offs to loans | -1.2787% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7791% | 2,223 |
| Assets per employee ($millions) | 3.7327% | 4,369 |
| Cash dividends to net income (ytd only)* | 126.8116% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 439 |
| Loan loss allowance to noncurrent loans | 1,879.4118% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 3,297 |
| Noncurrent loans to loans | 0.1130% | 4,459 |
| Net loans and leases to total assets | 81.6174% | 708 |
| Net loans and leases to deposits | 97.8005% | 881 |
| Net loans and leases to core deposits | 110.1525% | 1,000 |
| Total domestic deposits to total assets | 83.4530% | 3,526 |
| Equity capital to assets | 12.4094% | 1,543 |
| Core capital (leverage) ratio | 12.9473% | 1,200 |
| Tier 1 risk-based capital ratio | 16.5102% | 2,269 |
| Total risk-based capital ratio | 17.7732% | 2,221 |
| Memoranda: | ||
| Average total assets | $106,457,000 | 4,119 |
| Average earning assets | $100,414,500 | 4,091 |
| Average equity | $13,559,000 | 3,894 |
| Average total loans | $89,463,500 | 3,558 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,726 |
| Cost of funding earning assets | 0.5030% | 2,310 |
| Net interest margin | 3.9905% | 1,776 |
| Noninterest income to average assets | 3.2701% | 163 |
| Noninterest expense to average assets | 5.0708% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9603% | 306 |
| Return on assets (ROA) | 1.9613% | 309 |
| Pretax return on assets | 1.9613% | 534 |
| Return on Equity (ROE) | 16.1863% | 458 |
| Retained earnings to average equity (ytd only) | 13.0691% | 130 |
| Net charge-offs to loans | -0.0877% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1193% | 2,206 |
| Assets per employee ($millions) | 3.6091% | 4,557 |
| Cash dividends to net income (ytd only)* | 19.2585% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 725 |
| Loan loss allowance to noncurrent loans | 313.6538% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 1,956 |
| Noncurrent loans to loans | 0.5865% | 2,751 |
| Net loans and leases to total assets | 83.1501% | 535 |
| Net loans and leases to deposits | 100.4490% | 696 |
| Net loans and leases to core deposits | 113.9690% | 799 |
| Total domestic deposits to total assets | 82.7784% | 3,636 |
| Equity capital to assets | 13.0750% | 1,227 |
| Core capital (leverage) ratio | 13.1260% | 1,103 |
| Tier 1 risk-based capital ratio | 16.6634% | 2,210 |
| Total risk-based capital ratio | 17.9221% | 2,157 |
| Memoranda: | ||
| Average total assets | $105,899,800 | 4,138 |
| Average earning assets | $99,811,000 | 4,099 |
| Average equity | $12,831,800 | 4,007 |
| Average total loans | $85,471,800 | 3,623 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 1,853 |
| Cost of funding earning assets | 0.5060% | 2,218 |
| Net interest margin | 3.9266% | 1,944 |
| Noninterest income to average assets | 3.1899% | 176 |
| Noninterest expense to average assets | 5.0001% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8918% | 393 |
| Return on assets (ROA) | 1.8918% | 400 |
| Pretax return on assets | 1.8918% | 701 |
| Return on Equity (ROE) | 15.9233% | 536 |
| Retained earnings to average equity (ytd only) | 12.7534% | 239 |
| Net charge-offs to loans | -0.1149% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5501% | 2,127 |
| Assets per employee ($millions) | 3.6497% | 4,515 |
| Cash dividends to net income (ytd only)* | 19.9071% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 687 |
| Loan loss allowance to noncurrent loans | 243.8623% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 1,222 |
| Noncurrent loans to loans | 0.7826% | 2,407 |
| Net loans and leases to total assets | 79.1045% | 1,108 |
| Net loans and leases to deposits | 97.7810% | 940 |
| Net loans and leases to core deposits | 110.2254% | 1,012 |
| Total domestic deposits to total assets | 80.8997% | 4,078 |
| Equity capital to assets | 12.5717% | 1,621 |
| Core capital (leverage) ratio | 12.2096% | 1,564 |
| Tier 1 risk-based capital ratio | 16.2395% | 2,402 |
| Total risk-based capital ratio | 17.4984% | 2,351 |
| Memoranda: | ||
| Average total assets | $106,208,500 | 4,175 |
| Average earning assets | $100,136,000 | 4,133 |
| Average equity | $12,618,500 | 4,082 |
| Average total loans | $84,674,750 | 3,670 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 2,181 |
| Cost of funding earning assets | 0.4971% | 2,181 |
| Net interest margin | 3.7876% | 2,331 |
| Noninterest income to average assets | 3.1449% | 180 |
| Noninterest expense to average assets | 5.0521% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6759% | 591 |
| Return on assets (ROA) | 1.6759% | 608 |
| Pretax return on assets | 1.6759% | 1,113 |
| Return on Equity (ROE) | 14.3833% | 761 |
| Retained earnings to average equity (ytd only) | 11.1548% | 417 |
| Net charge-offs to loans | -0.0118% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0909% | 1,843 |
| Assets per employee ($millions) | 3.8618% | 4,182 |
| Cash dividends to net income (ytd only)* | 22.4467% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 893 |
| Loan loss allowance to noncurrent loans | 194.3960% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 1,173 |
| Noncurrent loans to loans | 0.9248% | 2,119 |
| Net loans and leases to total assets | 76.1387% | 1,527 |
| Net loans and leases to deposits | 92.2406% | 1,460 |
| Net loans and leases to core deposits | 103.7310% | 1,375 |
| Total domestic deposits to total assets | 82.5436% | 3,708 |
| Equity capital to assets | 11.4284% | 2,389 |
| Core capital (leverage) ratio | 11.6117% | 1,887 |
| Tier 1 risk-based capital ratio | 15.2774% | 2,815 |
| Total risk-based capital ratio | 16.5345% | 2,742 |
| Memoranda: | ||
| Average total assets | $106,331,000 | 4,198 |
| Average earning assets | $100,590,670 | 4,153 |
| Average equity | $12,389,330 | 4,129 |
| Average total loans | $84,448,330 | 3,690 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 2,060 |
| Cost of funding earning assets | 0.4932% | 2,148 |
| Net interest margin | 3.7700% | 2,223 |
| Noninterest income to average assets | 3.2618% | 184 |
| Noninterest expense to average assets | 5.2367% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6000% | 677 |
| Return on assets (ROA) | 1.6000% | 694 |
| Pretax return on assets | 1.6000% | 1,237 |
| Return on Equity (ROE) | 13.5910% | 884 |
| Retained earnings to average equity (ytd only) | 10.3082% | 746 |
| Net charge-offs to loans | -0.0192% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5969% | 1,819 |
| Assets per employee ($millions) | 3.7198% | 4,465 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 895 |
| Loan loss allowance to noncurrent loans | 198.5987% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 1,250 |
| Noncurrent loans to loans | 0.9252% | 2,190 |
| Net loans and leases to total assets | 74.6346% | 1,638 |
| Net loans and leases to deposits | 89.8283% | 1,559 |
| Net loans and leases to core deposits | 100.4583% | 1,473 |
| Total domestic deposits to total assets | 83.0859% | 3,803 |
| Equity capital to assets | 11.0903% | 2,541 |
| Core capital (leverage) ratio | 12.1236% | 1,552 |
| Tier 1 risk-based capital ratio | 15.5129% | 2,750 |
| Total risk-based capital ratio | 16.7719% | 2,675 |
| Memoranda: | ||
| Average total assets | $103,500,000 | 4,292 |
| Average earning assets | $98,143,500 | 4,232 |
| Average equity | $12,184,500 | 4,187 |
| Average total loans | $83,257,000 | 3,734 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,513 |
| Cost of funding earning assets | 0.4303% | 2,700 |
| Net interest margin | 4.0768% | 1,437 |
| Noninterest income to average assets | 3.7600% | 154 |
| Noninterest expense to average assets | 6.0047% | 163 |
| Loan and lease loss provision to assets | -1.2582% | 5,905 |
| Net operating income to assets | 2.8981% | 84 |
| Return on assets (ROA) | 2.8981% | 87 |
| Pretax return on assets | 2.8981% | 122 |
| Return on Equity (ROE) | 23.6699% | 100 |
| Retained earnings to average equity (ytd only) | 23.6699% | 29 |
| Net charge-offs to loans | -0.4549% | 5,829 |
| Credit loss provision to net charge-offs | 340.7975% | 895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5481% | 1,617 |
| Assets per employee ($millions) | 3.1802% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 794 |
| Loan loss allowance to noncurrent loans | 193.0521% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.7242% | 889 |
| Noncurrent loans to loans | 0.9869% | 2,119 |
| Net loans and leases to total assets | 83.9687% | 385 |
| Net loans and leases to deposits | 106.8117% | 309 |
| Net loans and leases to core deposits | 120.8490% | 459 |
| Total domestic deposits to total assets | 78.6137% | 4,882 |
| Equity capital to assets | 12.5704% | 1,476 |
| Core capital (leverage) ratio | 13.3530% | 1,019 |
| Tier 1 risk-based capital ratio | 15.1617% | 2,898 |
| Total risk-based capital ratio | 16.4204% | 2,827 |
| Memoranda: | ||
| Average total assets | $88,298,200 | 4,575 |
| Average earning assets | $84,133,800 | 4,514 |
| Average equity | $10,811,200 | 4,453 |
| Average total loans | $71,665,600 | 4,003 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 1,365 |
| Cost of funding earning assets | 0.4338% | 2,696 |
| Net interest margin | 4.1355% | 1,293 |
| Noninterest income to average assets | 3.7370% | 159 |
| Noninterest expense to average assets | 6.1070% | 163 |
| Loan and lease loss provision to assets | -1.2498% | 5,973 |
| Net operating income to assets | 2.8170% | 104 |
| Return on assets (ROA) | 2.8170% | 107 |
| Pretax return on assets | 2.8170% | 141 |
| Return on Equity (ROE) | 23.1773% | 122 |
| Retained earnings to average equity (ytd only) | 23.1773% | 35 |
| Net charge-offs to loans | -0.6554% | 5,905 |
| Credit loss provision to net charge-offs | 238.5294% | 1,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5783% | 1,486 |
| Assets per employee ($millions) | 3.0152% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6089% | 287 |
| Loan loss allowance to noncurrent loans | 223.1504% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 877 |
| Noncurrent loans to loans | 1.1691% | 1,918 |
| Net loans and leases to total assets | 77.1734% | 1,329 |
| Net loans and leases to deposits | 89.5480% | 1,816 |
| Net loans and leases to core deposits | 100.7796% | 1,562 |
| Total domestic deposits to total assets | 86.1811% | 2,269 |
| Equity capital to assets | 12.8239% | 1,584 |
| Core capital (leverage) ratio | 12.9492% | 1,207 |
| Tier 1 risk-based capital ratio | 16.4375% | 2,443 |
| Total risk-based capital ratio | 17.7053% | 2,386 |
| Memoranda: | ||
| Average total assets | $86,521,000 | 4,643 |
| Average earning assets | $82,373,750 | 4,577 |
| Average equity | $10,515,750 | 4,537 |
| Average total loans | $69,165,000 | 4,094 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 1,470 |
| Cost of funding earning assets | 0.4310% | 2,728 |
| Net interest margin | 4.0858% | 1,400 |
| Noninterest income to average assets | 3.8493% | 158 |
| Noninterest expense to average assets | 6.1660% | 161 |
| Loan and lease loss provision to assets | -0.7041% | 6,034 |
| Net operating income to assets | 2.3260% | 192 |
| Return on assets (ROA) | 2.3260% | 202 |
| Pretax return on assets | 2.3260% | 291 |
| Return on Equity (ROE) | 19.5188% | 262 |
| Retained earnings to average equity (ytd only) | 19.5188% | 64 |
| Net charge-offs to loans | -0.3717% | 5,913 |
| Credit loss provision to net charge-offs | 236.2205% | 1,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1742% | 1,614 |
| Assets per employee ($millions) | 2.9485% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1257% | 170 |
| Loan loss allowance to noncurrent loans | 248.7945% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.9332% | 859 |
| Noncurrent loans to loans | 1.2563% | 1,824 |
| Net loans and leases to total assets | 75.9270% | 1,501 |
| Net loans and leases to deposits | 88.4222% | 1,929 |
| Net loans and leases to core deposits | 101.1034% | 1,550 |
| Total domestic deposits to total assets | 85.8687% | 2,480 |
| Equity capital to assets | 12.1767% | 1,990 |
| Core capital (leverage) ratio | 12.0880% | 1,567 |
| Tier 1 risk-based capital ratio | 15.7703% | 2,751 |
| Total risk-based capital ratio | 17.0453% | 2,679 |
| Memoranda: | ||
| Average total assets | $85,209,330 | 4,704 |
| Average earning assets | $82,138,330 | 4,619 |
| Average equity | $10,154,330 | 4,616 |
| Average total loans | $68,327,330 | 4,136 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 1,585 |
| Cost of funding earning assets | 0.4335% | 2,740 |
| Net interest margin | 4.0406% | 1,504 |
| Noninterest income to average assets | 3.5987% | 171 |
| Noninterest expense to average assets | 6.2068% | 168 |
| Loan and lease loss provision to assets | -0.7178% | 6,098 |
| Net operating income to assets | 1.9908% | 341 |
| Return on assets (ROA) | 1.9908% | 359 |
| Pretax return on assets | 1.9908% | 581 |
| Return on Equity (ROE) | 16.9003% | 451 |
| Retained earnings to average equity (ytd only) | 16.9003% | 159 |
| Net charge-offs to loans | -0.7254% | 6,023 |
| Credit loss provision to net charge-offs | 121.9512% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9814% | 1,261 |
| Assets per employee ($millions) | 2.8930% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3847% | 154 |
| Loan loss allowance to noncurrent loans | 584.3434% | 893 |
| Noncurrent assets plus other real estate owned to assets | 2.1371% | 784 |
| Noncurrent loans to loans | 0.5792% | 3,454 |
| Net loans and leases to total assets | 78.7311% | 988 |
| Net loans and leases to deposits | 91.2788% | 1,429 |
| Net loans and leases to core deposits | 104.1632% | 1,181 |
| Total domestic deposits to total assets | 86.2534% | 2,568 |
| Equity capital to assets | 12.0398% | 2,010 |
| Core capital (leverage) ratio | 11.8965% | 1,682 |
| Tier 1 risk-based capital ratio | 15.9229% | 2,717 |
| Total risk-based capital ratio | 17.2029% | 2,650 |
| Memoranda: | ||
| Average total assets | $83,586,000 | 4,773 |
| Average earning assets | $80,285,000 | 4,699 |
| Average equity | $9,846,000 | 4,686 |
| Average total loans | $67,826,500 | 4,165 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,904 |
| Cost of funding earning assets | 0.4912% | 2,245 |
| Net interest margin | 3.9086% | 1,999 |
| Noninterest income to average assets | 3.7811% | 166 |
| Noninterest expense to average assets | 6.7172% | 148 |
| Loan and lease loss provision to assets | -0.3750% | 6,096 |
| Net operating income to assets | 1.1787% | 1,629 |
| Return on assets (ROA) | 1.1924% | 1,653 |
| Pretax return on assets | 1.1924% | 2,687 |
| Return on Equity (ROE) | 10.4058% | 1,842 |
| Retained earnings to average equity (ytd only) | 10.4058% | 408 |
| Net charge-offs to loans | -0.0062% | 5,014 |
| Credit loss provision to net charge-offs | 7,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3136% | 735 |
| Assets per employee ($millions) | 2.9741% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4792% | 130 |
| Loan loss allowance to noncurrent loans | 313.3869% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.9045% | 954 |
| Noncurrent loans to loans | 1.1102% | 2,120 |
| Net loans and leases to total assets | 77.9886% | 1,120 |
| Net loans and leases to deposits | 92.2789% | 1,371 |
| Net loans and leases to core deposits | 105.0125% | 1,163 |
| Total domestic deposits to total assets | 84.5140% | 3,280 |
| Equity capital to assets | 11.5173% | 2,341 |
| Core capital (leverage) ratio | 11.6072% | 1,887 |
| Tier 1 risk-based capital ratio | 15.7237% | 2,817 |
| Total risk-based capital ratio | 17.0047% | 2,744 |
| Memoranda: | ||
| Average total assets | $80,003,400 | 4,879 |
| Average earning assets | $76,549,200 | 4,798 |
| Average equity | $9,168,000 | 4,809 |
| Average total loans | $64,067,800 | 4,259 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 1,873 |
| Cost of funding earning assets | 0.4931% | 2,286 |
| Net interest margin | 3.9235% | 1,954 |
| Noninterest income to average assets | 3.8222% | 165 |
| Noninterest expense to average assets | 6.6879% | 159 |
| Loan and lease loss provision to assets | -0.3788% | 6,178 |
| Net operating income to assets | 1.2510% | 1,481 |
| Return on assets (ROA) | 1.2510% | 1,536 |
| Pretax return on assets | 1.2510% | 2,599 |
| Return on Equity (ROE) | 10.9315% | 1,734 |
| Retained earnings to average equity (ytd only) | 10.9315% | 487 |
| Net charge-offs to loans | -0.0021% | 4,706 |
| Credit loss provision to net charge-offs | 22,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4633% | 803 |
| Assets per employee ($millions) | 3.0069% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7822% | 108 |
| Loan loss allowance to noncurrent loans | 270.7071% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 2.4028% | 740 |
| Noncurrent loans to loans | 1.3971% | 1,823 |
| Net loans and leases to total assets | 72.8822% | 1,923 |
| Net loans and leases to deposits | 88.8003% | 1,796 |
| Net loans and leases to core deposits | 100.5522% | 1,471 |
| Total domestic deposits to total assets | 82.0743% | 4,137 |
| Equity capital to assets | 11.2172% | 2,781 |
| Core capital (leverage) ratio | 11.5638% | 1,989 |
| Tier 1 risk-based capital ratio | 16.2611% | 2,686 |
| Total risk-based capital ratio | 17.5466% | 2,621 |
| Memoranda: | ||
| Average total assets | $79,185,500 | 4,947 |
| Average earning assets | $75,440,500 | 4,879 |
| Average equity | $9,062,250 | 4,890 |
| Average total loans | $63,263,250 | 4,328 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 1,496 |
| Cost of funding earning assets | 0.4907% | 2,344 |
| Net interest margin | 4.0205% | 1,581 |
| Noninterest income to average assets | 4.0585% | 158 |
| Noninterest expense to average assets | 6.8347% | 156 |
| Loan and lease loss provision to assets | -0.3870% | 6,255 |
| Net operating income to assets | 1.4371% | 1,020 |
| Return on assets (ROA) | 1.4371% | 1,058 |
| Pretax return on assets | 1.4371% | 1,843 |
| Return on Equity (ROE) | 12.4678% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.4678% | 353 |
| Net charge-offs to loans | 0.0285% | 3,095 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,454 |
| Earnings coverage of net charge-offs (x) | 45.2222% | 1,030 |
| Efficiency ratio | 86.6819% | 1,001 |
| Assets per employee ($millions) | 2.8654% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9759% | 107 |
| Loan loss allowance to noncurrent loans | 149.7281% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 2.9826% | 567 |
| Noncurrent loans to loans | 2.6554% | 824 |
| Net loans and leases to total assets | 74.5946% | 1,570 |
| Net loans and leases to deposits | 91.2317% | 1,457 |
| Net loans and leases to core deposits | 103.0778% | 1,262 |
| Total domestic deposits to total assets | 81.7639% | 4,370 |
| Equity capital to assets | 11.4407% | 2,468 |
| Core capital (leverage) ratio | 12.0488% | 1,625 |
| Tier 1 risk-based capital ratio | 15.8087% | 2,950 |
| Total risk-based capital ratio | 17.0957% | 2,891 |
| Memoranda: | ||
| Average total assets | $77,516,670 | 5,028 |
| Average earning assets | $73,772,330 | 4,967 |
| Average equity | $8,935,000 | 4,955 |
| Average total loans | $63,093,330 | 4,365 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,341 |
| Cost of funding earning assets | 0.5008% | 2,270 |
| Net interest margin | 4.0450% | 1,424 |
| Noninterest income to average assets | 4.0599% | 158 |
| Noninterest expense to average assets | 6.6387% | 163 |
| Loan and lease loss provision to assets | -0.3939% | 6,333 |
| Net operating income to assets | 1.6334% | 674 |
| Return on assets (ROA) | 1.6334% | 705 |
| Pretax return on assets | 1.6334% | 1,185 |
| Return on Equity (ROE) | 14.1155% | 857 |
| Retained earnings to average equity (ytd only) | 14.1155% | 350 |
| Net charge-offs to loans | 0.1134% | 1,609 |
| Credit loss provision to net charge-offs | -416.6667% | 4,777 |
| Earnings coverage of net charge-offs (x) | 13.1111% | 1,745 |
| Efficiency ratio | 84.2667% | 1,350 |
| Assets per employee ($millions) | 2.6355% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9817% | 130 |
| Loan loss allowance to noncurrent loans | 194.3468% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 3.2723% | 534 |
| Noncurrent loans to loans | 2.0488% | 1,270 |
| Net loans and leases to total assets | 80.2680% | 659 |
| Net loans and leases to deposits | 98.8862% | 629 |
| Net loans and leases to core deposits | 112.5280% | 627 |
| Total domestic deposits to total assets | 81.1721% | 4,779 |
| Equity capital to assets | 11.8123% | 2,180 |
| Core capital (leverage) ratio | 11.9115% | 1,694 |
| Tier 1 risk-based capital ratio | 14.7346% | 3,582 |
| Total risk-based capital ratio | 16.0207% | 3,489 |
| Memoranda: | ||
| Average total assets | $76,159,500 | 5,106 |
| Average earning assets | $71,892,000 | 5,051 |
| Average equity | $8,813,000 | 5,030 |
| Average total loans | $63,477,000 | 4,381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,022 |
| Cost of funding earning assets | 0.5857% | 1,896 |
| Net interest margin | 3.8769% | 2,331 |
| Noninterest income to average assets | 3.4376% | 162 |
| Noninterest expense to average assets | 6.5775% | 156 |
| Loan and lease loss provision to assets | -0.2556% | 6,338 |
| Net operating income to assets | 0.8038% | 3,352 |
| Return on assets (ROA) | 0.8038% | 3,446 |
| Pretax return on assets | 0.8038% | 4,242 |
| Return on Equity (ROE) | 7.7002% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.7002% | 1,124 |
| Net charge-offs to loans | -0.0960% | 6,102 |
| Credit loss provision to net charge-offs | 338.9831% | 776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3063% | 687 |
| Assets per employee ($millions) | 2.6169% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1800% | 118 |
| Loan loss allowance to noncurrent loans | 261.7676% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 3.6869% | 489 |
| Noncurrent loans to loans | 1.5968% | 1,830 |
| Net loans and leases to total assets | 79.6231% | 795 |
| Net loans and leases to deposits | 98.8969% | 690 |
| Net loans and leases to core deposits | 112.3243% | 680 |
| Total domestic deposits to total assets | 80.5113% | 4,880 |
| Equity capital to assets | 11.3296% | 2,582 |
| Core capital (leverage) ratio | 11.0166% | 2,400 |
| Tier 1 risk-based capital ratio | 15.3265% | 3,301 |
| Total risk-based capital ratio | 16.6188% | 3,234 |
| Memoranda: | ||
| Average total assets | $78,251,200 | 5,105 |
| Average earning assets | $74,440,600 | 5,032 |
| Average equity | $8,168,600 | 5,163 |
| Average total loans | $61,450,800 | 4,447 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 2,328 |
| Cost of funding earning assets | 0.5973% | 1,860 |
| Net interest margin | 3.7768% | 2,706 |
| Noninterest income to average assets | 3.3467% | 170 |
| Noninterest expense to average assets | 6.3941% | 159 |
| Loan and lease loss provision to assets | -0.2537% | 6,428 |
| Net operating income to assets | 0.8100% | 3,384 |
| Return on assets (ROA) | 0.8100% | 3,483 |
| Pretax return on assets | 0.8100% | 4,330 |
| Return on Equity (ROE) | 7.9225% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.9225% | 1,400 |
| Net charge-offs to loans | -0.1027% | 6,146 |
| Credit loss provision to net charge-offs | 319.1489% | 875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9951% | 711 |
| Assets per employee ($millions) | 2.7702% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2444% | 133 |
| Loan loss allowance to noncurrent loans | 260.7212% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 3.5227% | 606 |
| Noncurrent loans to loans | 1.6280% | 2,003 |
| Net loans and leases to total assets | 75.1217% | 1,346 |
| Net loans and leases to deposits | 88.1110% | 1,655 |
| Net loans and leases to core deposits | 103.3179% | 1,132 |
| Total domestic deposits to total assets | 85.2580% | 3,241 |
| Equity capital to assets | 10.4425% | 3,631 |
| Core capital (leverage) ratio | 10.5659% | 2,962 |
| Tier 1 risk-based capital ratio | 14.7335% | 3,743 |
| Total risk-based capital ratio | 16.0148% | 3,664 |
| Memoranda: | ||
| Average total assets | $78,841,500 | 5,149 |
| Average earning assets | $75,229,000 | 5,060 |
| Average equity | $8,061,250 | 5,232 |
| Average total loans | $61,048,000 | 4,497 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 2,454 |
| Cost of funding earning assets | 0.6027% | 1,878 |
| Net interest margin | 3.7311% | 2,835 |
| Noninterest income to average assets | 3.3519% | 167 |
| Noninterest expense to average assets | 6.3821% | 160 |
| Loan and lease loss provision to assets | -0.2553% | 6,509 |
| Net operating income to assets | 0.7965% | 3,355 |
| Return on assets (ROA) | 0.7965% | 3,454 |
| Pretax return on assets | 0.7965% | 4,280 |
| Return on Equity (ROE) | 7.8471% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.8471% | 1,384 |
| Net charge-offs to loans | -0.3610% | 6,468 |
| Credit loss provision to net charge-offs | 91.7431% | 2,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1829% | 753 |
| Assets per employee ($millions) | 2.6727% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5647% | 112 |
| Loan loss allowance to noncurrent loans | 206.5975% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 3.2589% | 749 |
| Noncurrent loans to loans | 2.2095% | 1,480 |
| Net loans and leases to total assets | 72.6715% | 1,622 |
| Net loans and leases to deposits | 84.8683% | 1,945 |
| Net loans and leases to core deposits | 101.2793% | 1,185 |
| Total domestic deposits to total assets | 85.6286% | 3,226 |
| Equity capital to assets | 10.2357% | 3,779 |
| Core capital (leverage) ratio | 10.7937% | 2,628 |
| Tier 1 risk-based capital ratio | 14.7215% | 3,798 |
| Total risk-based capital ratio | 16.0150% | 3,721 |
| Memoranda: | ||
| Average total assets | $78,343,670 | 5,201 |
| Average earning assets | $74,990,330 | 5,109 |
| Average equity | $7,952,000 | 5,285 |
| Average total loans | $60,389,330 | 4,536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 2,171 |
| Cost of funding earning assets | 0.6117% | 1,880 |
| Net interest margin | 3.7786% | 2,559 |
| Noninterest income to average assets | 3.3736% | 165 |
| Noninterest expense to average assets | 6.5456% | 160 |
| Loan and lease loss provision to assets | -0.2583% | 6,602 |
| Net operating income to assets | 0.6923% | 3,728 |
| Return on assets (ROA) | 0.6923% | 3,807 |
| Pretax return on assets | 0.6923% | 4,516 |
| Return on Equity (ROE) | 6.8503% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.8503% | 2,116 |
| Net charge-offs to loans | -0.6660% | 6,586 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7824% | 763 |
| Assets per employee ($millions) | 2.6600% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7130% | 109 |
| Loan loss allowance to noncurrent loans | 149.9470% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 3.7179% | 675 |
| Noncurrent loans to loans | 3.1431% | 991 |
| Net loans and leases to total assets | 74.1188% | 1,247 |
| Net loans and leases to deposits | 86.7354% | 1,501 |
| Net loans and leases to core deposits | 104.4444% | 828 |
| Total domestic deposits to total assets | 85.4539% | 3,646 |
| Equity capital to assets | 10.2864% | 3,492 |
| Core capital (leverage) ratio | 10.7314% | 2,671 |
| Tier 1 risk-based capital ratio | 14.6937% | 3,887 |
| Total risk-based capital ratio | 15.9911% | 3,814 |
| Memoranda: | ||
| Average total assets | $77,425,500 | 5,270 |
| Average earning assets | $73,889,500 | 5,182 |
| Average equity | $7,824,500 | 5,340 |
| Average total loans | $60,056,500 | 4,586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,810 |
| Cost of funding earning assets | 0.6505% | 2,199 |
| Net interest margin | 3.6893% | 3,101 |
| Noninterest income to average assets | 3.3293% | 195 |
| Noninterest expense to average assets | 6.6471% | 161 |
| Loan and lease loss provision to assets | -0.2531% | 6,641 |
| Net operating income to assets | 0.4517% | 4,943 |
| Return on assets (ROA) | 0.4517% | 5,073 |
| Pretax return on assets | 0.4517% | 5,355 |
| Return on Equity (ROE) | 4.6117% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.6117% | 2,876 |
| Net charge-offs to loans | 0.2394% | 2,538 |
| Credit loss provision to net charge-offs | -136.9863% | 5,931 |
| Earnings coverage of net charge-offs (x) | 1.0753% | 4,720 |
| Efficiency ratio | 97.0980% | 584 |
| Assets per employee ($millions) | 2.5903% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6216% | 118 |
| Loan loss allowance to noncurrent loans | 77.5978% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 6.0069% | 321 |
| Noncurrent loans to loans | 5.9558% | 351 |
| Net loans and leases to total assets | 73.7756% | 1,384 |
| Net loans and leases to deposits | 85.8930% | 1,698 |
| Net loans and leases to core deposits | 103.1096% | 967 |
| Total domestic deposits to total assets | 85.8924% | 3,318 |
| Equity capital to assets | 9.9267% | 3,864 |
| Core capital (leverage) ratio | 10.5408% | 2,869 |
| Tier 1 risk-based capital ratio | 14.0189% | 4,281 |
| Total risk-based capital ratio | 15.3137% | 4,197 |
| Memoranda: | ||
| Average total assets | $79,026,400 | 5,263 |
| Average earning assets | $75,326,400 | 5,170 |
| Average equity | $7,741,200 | 5,403 |
| Average total loans | $60,986,000 | 4,581 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 2,873 |
| Cost of funding earning assets | 0.6578% | 2,296 |
| Net interest margin | 3.6715% | 3,144 |
| Noninterest income to average assets | 3.2847% | 214 |
| Noninterest expense to average assets | 6.3846% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3982% | 5,249 |
| Return on assets (ROA) | 0.3982% | 5,385 |
| Pretax return on assets | 0.3982% | 5,625 |
| Return on Equity (ROE) | 4.0783% | 5,184 |
| Retained earnings to average equity (ytd only) | 4.0783% | 3,786 |
| Net charge-offs to loans | 0.1285% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0172% | 3,558 |
| Efficiency ratio | 94.1293% | 729 |
| Assets per employee ($millions) | 2.6977% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1814% | 102 |
| Loan loss allowance to noncurrent loans | 66.3206% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 7.1618% | 274 |
| Noncurrent loans to loans | 7.8127% | 228 |
| Net loans and leases to total assets | 71.7169% | 1,646 |
| Net loans and leases to deposits | 83.4342% | 1,949 |
| Net loans and leases to core deposits | 99.9947% | 1,115 |
| Total domestic deposits to total assets | 85.9562% | 3,279 |
| Equity capital to assets | 9.7963% | 4,189 |
| Core capital (leverage) ratio | 10.2378% | 3,349 |
| Tier 1 risk-based capital ratio | 13.8935% | 4,499 |
| Total risk-based capital ratio | 15.1945% | 4,421 |
| Memoranda: | ||
| Average total assets | $79,355,500 | 5,306 |
| Average earning assets | $75,606,750 | 5,210 |
| Average equity | $7,748,000 | 5,459 |
| Average total loans | $61,205,250 | 4,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,762 |
| Cost of funding earning assets | 0.6485% | 2,511 |
| Net interest margin | 3.7019% | 2,950 |
| Noninterest income to average assets | 3.3263% | 222 |
| Noninterest expense to average assets | 6.4267% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4365% | 5,077 |
| Return on assets (ROA) | 0.4365% | 5,238 |
| Pretax return on assets | 0.4365% | 5,558 |
| Return on Equity (ROE) | 4.4753% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.4753% | 3,416 |
| Net charge-offs to loans | 0.2973% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.8913% | 3,893 |
| Efficiency ratio | 93.6404% | 779 |
| Assets per employee ($millions) | 2.7064% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0586% | 108 |
| Loan loss allowance to noncurrent loans | 54.1235% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 8.2435% | 237 |
| Noncurrent loans to loans | 9.3465% | 190 |
| Net loans and leases to total assets | 72.5034% | 1,483 |
| Net loans and leases to deposits | 85.3968% | 1,636 |
| Net loans and leases to core deposits | 100.8435% | 1,023 |
| Total domestic deposits to total assets | 84.9018% | 3,938 |
| Equity capital to assets | 9.7138% | 4,287 |
| Core capital (leverage) ratio | 10.4296% | 2,959 |
| Tier 1 risk-based capital ratio | 13.9974% | 4,431 |
| Total risk-based capital ratio | 15.2991% | 4,346 |
| Memoranda: | ||
| Average total assets | $79,729,330 | 5,323 |
| Average earning assets | $76,176,670 | 5,223 |
| Average equity | $7,776,000 | 5,493 |
| Average total loans | $61,882,670 | 4,610 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,994 |
| Cost of funding earning assets | 0.6513% | 2,647 |
| Net interest margin | 3.6264% | 3,157 |
| Noninterest income to average assets | 3.2906% | 223 |
| Noninterest expense to average assets | 6.4766% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2788% | 5,636 |
| Return on assets (ROA) | 0.2788% | 5,754 |
| Pretax return on assets | 0.2788% | 5,901 |
| Return on Equity (ROE) | 2.8528% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.8528% | 4,566 |
| Net charge-offs to loans | 0.9609% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3709% | 3,689 |
| Efficiency ratio | 95.8732% | 739 |
| Assets per employee ($millions) | 2.7896% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7834% | 155 |
| Loan loss allowance to noncurrent loans | 41.5456% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 9.9324% | 194 |
| Noncurrent loans to loans | 11.5135% | 148 |
| Net loans and leases to total assets | 73.1548% | 1,185 |
| Net loans and leases to deposits | 85.9387% | 1,361 |
| Net loans and leases to core deposits | 100.8297% | 905 |
| Total domestic deposits to total assets | 85.1243% | 3,977 |
| Equity capital to assets | 9.7037% | 4,561 |
| Core capital (leverage) ratio | 9.9737% | 3,419 |
| Tier 1 risk-based capital ratio | 13.0044% | 5,211 |
| Total risk-based capital ratio | 14.3055% | 5,136 |
| Memoranda: | ||
| Average total assets | $80,351,000 | 5,356 |
| Average earning assets | $76,770,000 | 5,245 |
| Average equity | $7,852,000 | 5,525 |
| Average total loans | $62,855,500 | 4,607 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 2,097 |
| Cost of funding earning assets | 0.9116% | 1,872 |
| Net interest margin | 3.9160% | 2,760 |
| Noninterest income to average assets | 3.0293% | 251 |
| Noninterest expense to average assets | 6.5805% | 172 |
| Loan and lease loss provision to assets | 1.5752% | 192 |
| Net operating income to assets | -1.4553% | 6,847 |
| Return on assets (ROA) | -1.4553% | 6,855 |
| Pretax return on assets | -1.4553% | 6,834 |
| Return on Equity (ROE) | -16.4087% | 6,843 |
| Retained earnings to average equity (ytd only) | -16.4087% | 6,796 |
| Net charge-offs to loans | 2.0912% | 343 |
| Credit loss provision to net charge-offs | 90.2357% | 3,470 |
| Earnings coverage of net charge-offs (x) | 0.0687% | 5,455 |
| Efficiency ratio | 98.2105% | 623 |
| Assets per employee ($millions) | 2.7519% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9152% | 142 |
| Loan loss allowance to noncurrent loans | 43.9319% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 9.9680% | 219 |
| Noncurrent loans to loans | 11.1882% | 177 |
| Net loans and leases to total assets | 75.7271% | 958 |
| Net loans and leases to deposits | 89.1396% | 1,150 |
| Net loans and leases to core deposits | 107.3352% | 637 |
| Total domestic deposits to total assets | 84.9533% | 3,886 |
| Equity capital to assets | 9.8415% | 4,396 |
| Core capital (leverage) ratio | 9.3138% | 4,394 |
| Tier 1 risk-based capital ratio | 12.8123% | 5,246 |
| Total risk-based capital ratio | 14.1102% | 5,148 |
| Memoranda: | ||
| Average total assets | $85,069,400 | 5,219 |
| Average earning assets | $79,749,400 | 5,131 |
| Average equity | $7,544,800 | 5,622 |
| Average total loans | $71,013,200 | 4,326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 2,200 |
| Cost of funding earning assets | 0.9080% | 2,118 |
| Net interest margin | 3.9413% | 2,745 |
| Noninterest income to average assets | 2.9526% | 253 |
| Noninterest expense to average assets | 6.5225% | 171 |
| Loan and lease loss provision to assets | 1.8367% | 149 |
| Net operating income to assets | -1.7286% | 7,005 |
| Return on assets (ROA) | -1.7286% | 7,017 |
| Pretax return on assets | -1.7286% | 6,988 |
| Return on Equity (ROE) | -19.9973% | 6,990 |
| Retained earnings to average equity (ytd only) | -19.9973% | 6,975 |
| Net charge-offs to loans | 2.7205% | 220 |
| Credit loss provision to net charge-offs | 80.0269% | 3,614 |
| Earnings coverage of net charge-offs (x) | 0.0471% | 5,311 |
| Efficiency ratio | 98.3706% | 591 |
| Assets per employee ($millions) | 2.8357% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4524% | 219 |
| Loan loss allowance to noncurrent loans | 38.1907% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 10.7216% | 205 |
| Noncurrent loans to loans | 11.6583% | 180 |
| Net loans and leases to total assets | 77.5561% | 781 |
| Net loans and leases to deposits | 92.3517% | 935 |
| Net loans and leases to core deposits | 107.5132% | 670 |
| Total domestic deposits to total assets | 83.9790% | 4,233 |
| Equity capital to assets | 9.5591% | 5,126 |
| Core capital (leverage) ratio | 9.3022% | 4,582 |
| Tier 1 risk-based capital ratio | 12.5328% | 5,613 |
| Total risk-based capital ratio | 13.8377% | 5,537 |
| Memoranda: | ||
| Average total assets | $86,385,500 | 5,227 |
| Average earning assets | $80,613,250 | 5,160 |
| Average equity | $7,467,500 | 5,703 |
| Average total loans | $72,877,000 | 4,299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 2,093 |
| Cost of funding earning assets | 0.9359% | 2,145 |
| Net interest margin | 3.9684% | 2,643 |
| Noninterest income to average assets | 2.7664% | 267 |
| Noninterest expense to average assets | 6.3234% | 193 |
| Loan and lease loss provision to assets | 2.1420% | 122 |
| Net operating income to assets | -1.9984% | 7,066 |
| Return on assets (ROA) | -1.9984% | 7,075 |
| Pretax return on assets | -1.9984% | 7,065 |
| Return on Equity (ROE) | -23.9084% | 7,065 |
| Retained earnings to average equity (ytd only) | -23.9084% | 7,050 |
| Net charge-offs to loans | 3.1928% | 175 |
| Credit loss provision to net charge-offs | 78.5953% | 3,356 |
| Earnings coverage of net charge-offs (x) | 0.0527% | 5,058 |
| Efficiency ratio | 97.7801% | 632 |
| Assets per employee ($millions) | 2.8733% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2241% | 295 |
| Loan loss allowance to noncurrent loans | 34.6556% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 12.2949% | 165 |
| Noncurrent loans to loans | 12.1889% | 166 |
| Net loans and leases to total assets | 82.0118% | 339 |
| Net loans and leases to deposits | 99.1527% | 460 |
| Net loans and leases to core deposits | 118.4080% | 338 |
| Total domestic deposits to total assets | 82.7127% | 4,873 |
| Equity capital to assets | 9.8095% | 4,611 |
| Core capital (leverage) ratio | 9.5043% | 4,136 |
| Tier 1 risk-based capital ratio | 12.0192% | 5,917 |
| Total risk-based capital ratio | 13.2969% | 5,876 |
| Memoranda: | ||
| Average total assets | $87,768,670 | 5,231 |
| Average earning assets | $81,845,670 | 5,157 |
| Average equity | $7,336,330 | 5,755 |
| Average total loans | $74,919,000 | 4,253 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 1,993 |
| Cost of funding earning assets | 0.9588% | 2,239 |
| Net interest margin | 4.0116% | 2,455 |
| Noninterest income to average assets | 2.5559% | 293 |
| Noninterest expense to average assets | 5.8718% | 218 |
| Loan and lease loss provision to assets | 2.8448% | 80 |
| Net operating income to assets | -2.4225% | 7,185 |
| Return on assets (ROA) | -2.4225% | 7,188 |
| Pretax return on assets | -2.4225% | 7,170 |
| Return on Equity (ROE) | -31.5143% | 7,173 |
| Retained earnings to average equity (ytd only) | -31.5143% | 7,145 |
| Net charge-offs to loans | 3.7496% | 162 |
| Credit loss provision to net charge-offs | 89.0125% | 2,562 |
| Earnings coverage of net charge-offs (x) | 0.1321% | 4,301 |
| Efficiency ratio | 93.2910% | 865 |
| Assets per employee ($millions) | 3.2687% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3161% | 285 |
| Loan loss allowance to noncurrent loans | 38.0714% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 10.7483% | 257 |
| Noncurrent loans to loans | 11.3368% | 236 |
| Net loans and leases to total assets | 80.1305% | 391 |
| Net loans and leases to deposits | 93.8765% | 677 |
| Net loans and leases to core deposits | 111.5598% | 482 |
| Total domestic deposits to total assets | 85.3574% | 3,854 |
| Equity capital to assets | 7.5372% | 6,765 |
| Core capital (leverage) ratio | 7.4441% | 6,668 |
| Tier 1 risk-based capital ratio | 9.5678% | 6,952 |
| Total risk-based capital ratio | 10.8590% | 6,942 |
| Memoranda: | ||
| Average total assets | $89,989,500 | 5,209 |
| Average earning assets | $83,857,500 | 5,145 |
| Average equity | $6,917,500 | 5,899 |
| Average total loans | $76,702,500 | 4,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 2,364 |
| Cost of funding earning assets | 1.1225% | 2,520 |
| Net interest margin | 3.9996% | 2,878 |
| Noninterest income to average assets | 2.5205% | 265 |
| Noninterest expense to average assets | 5.4898% | 265 |
| Loan and lease loss provision to assets | 3.5533% | 78 |
| Net operating income to assets | -2.7898% | 7,155 |
| Return on assets (ROA) | -2.6734% | 7,145 |
| Pretax return on assets | -2.6734% | 7,144 |
| Return on Equity (ROE) | -30.6790% | 7,100 |
| Retained earnings to average equity (ytd only) | -30.6790% | 7,093 |
| Net charge-offs to loans | 1.9098% | 750 |
| Credit loss provision to net charge-offs | 228.5533% | 1,058 |
| Earnings coverage of net charge-offs (x) | 0.4911% | 5,460 |
| Efficiency ratio | 87.7899% | 1,373 |
| Assets per employee ($millions) | 3.3971% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1135% | 351 |
| Loan loss allowance to noncurrent loans | 59.4545% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 7.2032% | 632 |
| Noncurrent loans to loans | 6.9187% | 646 |
| Net loans and leases to total assets | 83.1035% | 269 |
| Net loans and leases to deposits | 97.2605% | 610 |
| Net loans and leases to core deposits | 113.9387% | 505 |
| Total domestic deposits to total assets | 85.4442% | 3,623 |
| Equity capital to assets | 7.8312% | 6,670 |
| Core capital (leverage) ratio | 7.6035% | 6,600 |
| Tier 1 risk-based capital ratio | 9.7604% | 6,910 |
| Total risk-based capital ratio | 11.0344% | 6,895 |
| Memoranda: | ||
| Average total assets | $101,369,600 | 4,858 |
| Average earning assets | $94,609,600 | 4,794 |
| Average equity | $8,833,400 | 5,329 |
| Average total loans | $82,521,400 | 4,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 2,782 |
| Cost of funding earning assets | 1.1528% | 2,619 |
| Net interest margin | 3.9115% | 3,330 |
| Noninterest income to average assets | 2.3613% | 291 |
| Noninterest expense to average assets | 5.4845% | 262 |
| Loan and lease loss provision to assets | 4.3385% | 48 |
| Net operating income to assets | -3.8130% | 7,324 |
| Return on assets (ROA) | -3.8028% | 7,325 |
| Pretax return on assets | -3.8028% | 7,324 |
| Return on Equity (ROE) | -42.6841% | 7,265 |
| Retained earnings to average equity (ytd only) | -42.6841% | 7,259 |
| Net charge-offs to loans | 1.4345% | 1,028 |
| Credit loss provision to net charge-offs | 376.8973% | 753 |
| Earnings coverage of net charge-offs (x) | 0.4565% | 5,284 |
| Efficiency ratio | 91.2569% | 1,088 |
| Assets per employee ($millions) | 3.7101% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4540% | 274 |
| Loan loss allowance to noncurrent loans | 65.8998% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 7.2914% | 653 |
| Noncurrent loans to loans | 6.7588% | 753 |
| Net loans and leases to total assets | 79.7480% | 539 |
| Net loans and leases to deposits | 92.0823% | 1,005 |
| Net loans and leases to core deposits | 109.5334% | 699 |
| Total domestic deposits to total assets | 86.6052% | 2,880 |
| Equity capital to assets | 7.0887% | 7,038 |
| Core capital (leverage) ratio | 6.5329% | 7,067 |
| Tier 1 risk-based capital ratio | 8.9548% | 7,119 |
| Total risk-based capital ratio | 10.2504% | 7,111 |
| Memoranda: | ||
| Average total assets | $103,781,250 | 4,821 |
| Average earning assets | $96,805,750 | 4,745 |
| Average equity | $9,246,000 | 5,248 |
| Average total loans | $83,278,000 | 4,079 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 2,445 |
| Cost of funding earning assets | 1.1246% | 3,073 |
| Net interest margin | 4.0291% | 2,704 |
| Noninterest income to average assets | 2.2975% | 301 |
| Noninterest expense to average assets | 4.7626% | 452 |
| Loan and lease loss provision to assets | 1.0116% | 856 |
| Net operating income to assets | 0.2839% | 5,433 |
| Return on assets (ROA) | 0.2991% | 5,515 |
| Pretax return on assets | 0.2991% | 5,670 |
| Return on Equity (ROE) | 3.1523% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.1523% | 4,266 |
| Net charge-offs to loans | 0.5940% | 2,333 |
| Credit loss provision to net charge-offs | 214.9798% | 1,387 |
| Earnings coverage of net charge-offs (x) | 2.7530% | 3,467 |
| Efficiency ratio | 78.6164% | 2,607 |
| Assets per employee ($millions) | 4.0874% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 2,984 |
| Loan loss allowance to noncurrent loans | 86.9590% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 3.7178% | 1,753 |
| Noncurrent loans to loans | 2.0729% | 3,383 |
| Net loans and leases to total assets | 78.2765% | 740 |
| Net loans and leases to deposits | 95.7592% | 744 |
| Net loans and leases to core deposits | 112.2133% | 639 |
| Total domestic deposits to total assets | 81.7431% | 5,256 |
| Equity capital to assets | 9.5688% | 4,711 |
| Core capital (leverage) ratio | 9.6746% | 3,697 |
| Tier 1 risk-based capital ratio | 12.2190% | 5,589 |
| Total risk-based capital ratio | 13.4766% | 5,565 |
| Memoranda: | ||
| Average total assets | $104,984,000 | 4,826 |
| Average earning assets | $97,987,000 | 4,759 |
| Average equity | $9,961,000 | 5,057 |
| Average total loans | $83,167,330 | 4,120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 2,497 |
| Cost of funding earning assets | 1.1562% | 3,113 |
| Net interest margin | 3.9789% | 2,777 |
| Noninterest income to average assets | 2.2580% | 311 |
| Noninterest expense to average assets | 4.9147% | 396 |
| Loan and lease loss provision to assets | 1.2574% | 553 |
| Net operating income to assets | -0.2070% | 6,567 |
| Return on assets (ROA) | -0.1763% | 6,553 |
| Pretax return on assets | -0.1763% | 6,519 |
| Return on Equity (ROE) | -1.8667% | 6,571 |
| Retained earnings to average equity (ytd only) | -1.8667% | 6,123 |
| Net charge-offs to loans | 0.5195% | 2,185 |
| Credit loss provision to net charge-offs | 306.5421% | 1,048 |
| Earnings coverage of net charge-offs (x) | 2.5607% | 3,058 |
| Efficiency ratio | 82.3907% | 2,169 |
| Assets per employee ($millions) | 4.1188% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 3,094 |
| Loan loss allowance to noncurrent loans | 70.3170% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 4.1537% | 1,592 |
| Noncurrent loans to loans | 2.5212% | 2,963 |
| Net loans and leases to total assets | 78.7761% | 645 |
| Net loans and leases to deposits | 96.6667% | 646 |
| Net loans and leases to core deposits | 115.4284% | 547 |
| Total domestic deposits to total assets | 81.4925% | 5,497 |
| Equity capital to assets | 9.5640% | 4,348 |
| Core capital (leverage) ratio | 9.5190% | 3,779 |
| Tier 1 risk-based capital ratio | 12.3246% | 5,421 |
| Total risk-based capital ratio | 13.5817% | 5,408 |
| Memoranda: | ||
| Average total assets | $104,340,000 | 4,882 |
| Average earning assets | $97,213,000 | 4,817 |
| Average equity | $9,857,000 | 5,079 |
| Average total loans | $82,394,500 | 4,183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 3,822 |
| Cost of funding earning assets | 1.6788% | 1,691 |
| Net interest margin | 3.4776% | 5,332 |
| Noninterest income to average assets | 1.9947% | 396 |
| Noninterest expense to average assets | 4.4357% | 692 |
| Loan and lease loss provision to assets | 0.7990% | 2,036 |
| Net operating income to assets | 0.0606% | 5,676 |
| Return on assets (ROA) | 0.0606% | 5,822 |
| Pretax return on assets | 0.0606% | 5,781 |
| Return on Equity (ROE) | 0.6595% | 5,796 |
| Retained earnings to average equity (ytd only) | 0.6595% | 5,246 |
| Net charge-offs to loans | 0.7939% | 2,653 |
| Credit loss provision to net charge-offs | 128.8889% | 3,098 |
| Earnings coverage of net charge-offs (x) | 1.3867% | 4,725 |
| Efficiency ratio | 83.7669% | 1,945 |
| Assets per employee ($millions) | 3.9152% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,933 |
| Loan loss allowance to noncurrent loans | 61.9522% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 3.8246% | 1,788 |
| Noncurrent loans to loans | 2.4425% | 3,081 |
| Net loans and leases to total assets | 76.5918% | 1,160 |
| Net loans and leases to deposits | 87.4042% | 1,882 |
| Net loans and leases to core deposits | 104.6343% | 1,272 |
| Total domestic deposits to total assets | 87.6295% | 2,463 |
| Equity capital to assets | 9.3330% | 4,644 |
| Core capital (leverage) ratio | 9.1794% | 4,210 |
| Tier 1 risk-based capital ratio | 12.3778% | 5,135 |
| Total risk-based capital ratio | 13.6318% | 5,101 |
| Memoranda: | ||
| Average total assets | $108,889,400 | 4,748 |
| Average earning assets | $103,348,200 | 4,625 |
| Average equity | $10,007,800 | 5,130 |
| Average total loans | $85,023,000 | 4,182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 4,012 |
| Cost of funding earning assets | 1.7572% | 1,601 |
| Net interest margin | 3.4083% | 5,642 |
| Noninterest income to average assets | 1.9279% | 397 |
| Noninterest expense to average assets | 4.4746% | 618 |
| Loan and lease loss provision to assets | 0.9725% | 1,539 |
| Net operating income to assets | -0.2747% | 6,404 |
| Return on assets (ROA) | -0.2747% | 6,456 |
| Pretax return on assets | -0.2747% | 6,390 |
| Return on Equity (ROE) | -3.0003% | 6,489 |
| Retained earnings to average equity (ytd only) | -3.0003% | 6,351 |
| Net charge-offs to loans | 0.9938% | 2,014 |
| Credit loss provision to net charge-offs | 125.1956% | 3,271 |
| Earnings coverage of net charge-offs (x) | 0.8983% | 5,155 |
| Efficiency ratio | 86.5100% | 1,579 |
| Assets per employee ($millions) | 4.1965% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 4,453 |
| Loan loss allowance to noncurrent loans | 29.5916% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 3.6088% | 1,976 |
| Noncurrent loans to loans | 4.7323% | 1,494 |
| Net loans and leases to total assets | 75.1917% | 1,552 |
| Net loans and leases to deposits | 89.5396% | 1,780 |
| Net loans and leases to core deposits | 103.6536% | 1,517 |
| Total domestic deposits to total assets | 83.9760% | 4,139 |
| Equity capital to assets | 8.6483% | 6,103 |
| Core capital (leverage) ratio | 8.6269% | 5,302 |
| Tier 1 risk-based capital ratio | 11.6706% | 5,761 |
| Total risk-based capital ratio | 12.9354% | 5,718 |
| Memoranda: | ||
| Average total assets | $109,684,000 | 4,779 |
| Average earning assets | $104,408,500 | 4,657 |
| Average equity | $10,043,250 | 5,179 |
| Average total loans | $85,726,250 | 4,236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 3,282 |
| Cost of funding earning assets | 1.8182% | 1,576 |
| Net interest margin | 3.5182% | 5,175 |
| Noninterest income to average assets | 2.0152% | 352 |
| Noninterest expense to average assets | 4.5263% | 555 |
| Loan and lease loss provision to assets | 0.3042% | 3,960 |
| Net operating income to assets | 0.5310% | 4,191 |
| Return on assets (ROA) | 0.5310% | 4,343 |
| Pretax return on assets | 0.5310% | 4,805 |
| Return on Equity (ROE) | 5.6891% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.6891% | 2,503 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4223% | 1,872 |
| Assets per employee ($millions) | 3.9911% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,087 |
| Loan loss allowance to noncurrent loans | 36.0880% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 3.1217% | 2,267 |
| Noncurrent loans to loans | 4.0635% | 1,858 |
| Net loans and leases to total assets | 75.6962% | 1,545 |
| Net loans and leases to deposits | 91.5828% | 1,600 |
| Net loans and leases to core deposits | 107.7898% | 1,312 |
| Total domestic deposits to total assets | 82.6533% | 4,714 |
| Equity capital to assets | 9.6046% | 4,544 |
| Core capital (leverage) ratio | 9.2251% | 4,264 |
| Tier 1 risk-based capital ratio | 12.9857% | 4,456 |
| Total risk-based capital ratio | 14.2428% | 4,410 |
| Memoranda: | ||
| Average total assets | $108,477,000 | 4,850 |
| Average earning assets | $103,176,670 | 4,716 |
| Average equity | $10,124,670 | 5,163 |
| Average total loans | $85,499,670 | 4,269 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 3,247 |
| Cost of funding earning assets | 1.8328% | 1,731 |
| Net interest margin | 3.5261% | 5,055 |
| Noninterest income to average assets | 1.9957% | 341 |
| Noninterest expense to average assets | 4.5390% | 557 |
| Loan and lease loss provision to assets | 0.2021% | 4,480 |
| Net operating income to assets | 0.5991% | 3,899 |
| Return on assets (ROA) | 0.5991% | 4,045 |
| Pretax return on assets | 0.5991% | 4,611 |
| Return on Equity (ROE) | 6.5122% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.5122% | 2,359 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9966% | 1,910 |
| Assets per employee ($millions) | 4.1667% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 5,085 |
| Loan loss allowance to noncurrent loans | 32.7494% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 3.1089% | 2,300 |
| Noncurrent loans to loans | 3.8826% | 2,036 |
| Net loans and leases to total assets | 79.0529% | 973 |
| Net loans and leases to deposits | 95.2435% | 1,196 |
| Net loans and leases to core deposits | 114.9603% | 997 |
| Total domestic deposits to total assets | 83.0009% | 4,629 |
| Equity capital to assets | 9.3275% | 4,790 |
| Core capital (leverage) ratio | 9.1138% | 4,351 |
| Tier 1 risk-based capital ratio | 12.2351% | 4,960 |
| Total risk-based capital ratio | 13.4859% | 4,935 |
| Memoranda: | ||
| Average total assets | $108,835,000 | 4,904 |
| Average earning assets | $103,231,000 | 4,776 |
| Average equity | $10,012,000 | 5,234 |
| Average total loans | $86,857,000 | 4,295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 4,611 |
| Cost of funding earning assets | 2.2706% | 1,769 |
| Net interest margin | 3.1466% | 6,237 |
| Noninterest income to average assets | 1.6467% | 531 |
| Noninterest expense to average assets | 4.0705% | 1,271 |
| Loan and lease loss provision to assets | 0.4105% | 4,347 |
| Net operating income to assets | 0.1842% | 4,949 |
| Return on assets (ROA) | 0.1842% | 5,020 |
| Pretax return on assets | 0.1842% | 5,042 |
| Return on Equity (ROE) | 2.3597% | 4,758 |
| Retained earnings to average equity (ytd only) | 2.3597% | 3,465 |
| Net charge-offs to loans | 0.4629% | 3,933 |
| Credit loss provision to net charge-offs | 112.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | 1.6225% | 4,524 |
| Efficiency ratio | 87.2520% | 1,958 |
| Assets per employee ($millions) | 4.0494% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,323 |
| Loan loss allowance to noncurrent loans | 76.8328% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 4,600 |
| Noncurrent loans to loans | 1.5684% | 4,298 |
| Net loans and leases to total assets | 78.5851% | 1,266 |
| Net loans and leases to deposits | 94.2767% | 1,559 |
| Net loans and leases to core deposits | 135.2405% | 992 |
| Total domestic deposits to total assets | 83.3557% | 4,357 |
| Equity capital to assets | 9.0721% | 5,023 |
| Core capital (leverage) ratio | 8.7408% | 4,856 |
| Tier 1 risk-based capital ratio | 11.9311% | 5,007 |
| Total risk-based capital ratio | 13.1811% | 4,952 |
| Memoranda: | ||
| Average total assets | $109,126,200 | 4,847 |
| Average earning assets | $104,685,200 | 4,711 |
| Average equity | $8,518,200 | 5,760 |
| Average total loans | $86,408,400 | 4,314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 4,996 |
| Cost of funding earning assets | 2.3202% | 1,905 |
| Net interest margin | 3.0708% | 6,398 |
| Noninterest income to average assets | 1.5610% | 604 |
| Noninterest expense to average assets | 3.9715% | 1,316 |
| Loan and lease loss provision to assets | 0.1565% | 5,785 |
| Net operating income to assets | 0.3887% | 4,442 |
| Return on assets (ROA) | 0.3887% | 4,543 |
| Pretax return on assets | 0.3887% | 4,823 |
| Return on Equity (ROE) | 5.1909% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.1909% | 2,380 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9296% | 1,883 |
| Assets per employee ($millions) | 4.4998% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,386 |
| Loan loss allowance to noncurrent loans | 84.1163% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 4,782 |
| Noncurrent loans to loans | 1.5674% | 4,286 |
| Net loans and leases to total assets | 72.1621% | 2,995 |
| Net loans and leases to deposits | 84.2474% | 3,607 |
| Net loans and leases to core deposits | 116.3774% | 2,585 |
| Total domestic deposits to total assets | 85.6549% | 2,883 |
| Equity capital to assets | 7.1447% | 7,527 |
| Core capital (leverage) ratio | 7.2744% | 7,210 |
| Tier 1 risk-based capital ratio | 10.0520% | 6,926 |
| Total risk-based capital ratio | 11.3038% | 6,875 |
| Memoranda: | ||
| Average total assets | $109,074,000 | 4,882 |
| Average earning assets | $104,987,000 | 4,738 |
| Average equity | $8,168,000 | 5,922 |
| Average total loans | $86,268,250 | 4,357 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 4,710 |
| Cost of funding earning assets | 2.4034% | 1,959 |
| Net interest margin | 3.0831% | 6,300 |
| Noninterest income to average assets | 1.5916% | 593 |
| Noninterest expense to average assets | 4.0006% | 1,318 |
| Loan and lease loss provision to assets | 0.1597% | 5,465 |
| Net operating income to assets | 0.4059% | 4,494 |
| Return on assets (ROA) | 0.4059% | 4,600 |
| Pretax return on assets | 0.4059% | 4,917 |
| Return on Equity (ROE) | 5.3305% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.3305% | 2,335 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6132% | 2,060 |
| Assets per employee ($millions) | 5.0059% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 4,525 |
| Loan loss allowance to noncurrent loans | 87.2186% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 4,693 |
| Noncurrent loans to loans | 1.4462% | 4,329 |
| Net loans and leases to total assets | 77.1205% | 1,926 |
| Net loans and leases to deposits | 90.8383% | 2,686 |
| Net loans and leases to core deposits | 123.3813% | 2,081 |
| Total domestic deposits to total assets | 84.8986% | 3,314 |
| Equity capital to assets | 7.4404% | 7,319 |
| Core capital (leverage) ratio | 7.3637% | 7,174 |
| Tier 1 risk-based capital ratio | 10.1519% | 6,773 |
| Total risk-based capital ratio | 11.4030% | 6,696 |
| Memoranda: | ||
| Average total assets | $106,433,670 | 4,978 |
| Average earning assets | $102,687,670 | 4,820 |
| Average equity | $8,104,330 | 5,983 |
| Average total loans | $86,506,330 | 4,381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 4,850 |
| Cost of funding earning assets | 2.5820% | 1,618 |
| Net interest margin | 2.9294% | 6,673 |
| Noninterest income to average assets | 1.5796% | 552 |
| Noninterest expense to average assets | 3.7978% | 1,475 |
| Loan and lease loss provision to assets | 0.1606% | 4,880 |
| Net operating income to assets | 0.4590% | 4,618 |
| Return on assets (ROA) | 0.4590% | 4,796 |
| Pretax return on assets | 0.4590% | 5,213 |
| Return on Equity (ROE) | 5.9557% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9557% | 2,647 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9740% | 2,067 |
| Assets per employee ($millions) | 4.7321% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 4,937 |
| Loan loss allowance to noncurrent loans | 83.4936% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 4,382 |
| Noncurrent loans to loans | 1.4120% | 4,188 |
| Net loans and leases to total assets | 80.2525% | 1,334 |
| Net loans and leases to deposits | 94.6266% | 2,165 |
| Net loans and leases to core deposits | 123.9566% | 2,083 |
| Total domestic deposits to total assets | 84.8097% | 3,298 |
| Equity capital to assets | 7.4606% | 7,383 |
| Core capital (leverage) ratio | 7.2942% | 7,387 |
| Tier 1 risk-based capital ratio | 9.9367% | 6,997 |
| Total risk-based capital ratio | 11.1973% | 6,890 |
| Memoranda: | ||
| Average total assets | $104,586,000 | 5,055 |
| Average earning assets | $101,318,000 | 4,880 |
| Average equity | $8,059,500 | 6,040 |
| Average total loans | $86,751,000 | 4,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5397% | 2,764 |
| Cost of funding earning assets | 3.0699% | 1,603 |
| Net interest margin | 3.4699% | 5,404 |
| Noninterest income to average assets | 1.7797% | 429 |
| Noninterest expense to average assets | 3.8520% | 1,657 |
| Loan and lease loss provision to assets | 0.2644% | 4,281 |
| Net operating income to assets | 1.0084% | 2,519 |
| Return on assets (ROA) | 1.0084% | 2,404 |
| Pretax return on assets | 1.0084% | 3,354 |
| Return on Equity (ROE) | 12.8856% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.8856% | 169 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1631% | 3,378 |
| Assets per employee ($millions) | 4.3623% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 4,739 |
| Loan loss allowance to noncurrent loans | 70.4722% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4143% | 3,370 |
| Noncurrent loans to loans | 1.6672% | 3,269 |
| Net loans and leases to total assets | 83.8348% | 911 |
| Net loans and leases to deposits | 99.9406% | 1,841 |
| Net loans and leases to core deposits | 139.1234% | 1,310 |
| Total domestic deposits to total assets | 83.8847% | 3,379 |
| Equity capital to assets | 7.9725% | 6,887 |
| Core capital (leverage) ratio | 7.9148% | 6,628 |
| Tier 1 risk-based capital ratio | 10.0874% | 6,633 |
| Total risk-based capital ratio | 11.3495% | 6,495 |
| Memoranda: | ||
| Average total assets | $95,691,600 | 5,181 |
| Average earning assets | $92,251,600 | 5,021 |
| Average equity | $7,489,000 | 6,280 |
| Average total loans | $80,149,600 | 4,510 |