Home > Commercial Capital Bank > Performance and Condition Ratios
Commercial Capital Bank, 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 | 7.6154% | 143 |
| Cost of funding earning assets | 2.0435% | 863 |
| Net interest margin | 5.5719% | 167 |
| Noninterest income to average assets | 2.1000% | 256 |
| Noninterest expense to average assets | 3.3269% | 721 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 3.8610% | 105 |
| Return on assets (ROA) | 3.8610% | 105 |
| Pretax return on assets | 3.8610% | 123 |
| Return on Equity (ROE) | 34.5400% | 127 |
| Retained earnings to average equity (ytd only) | 13.9465% | 405 |
| Net charge-offs to loans | 0.0081% | 2,368 |
| Credit loss provision to net charge-offs | 1,687.5000% | 267 |
| Earnings coverage of net charge-offs (x) | 675.1875% | 210 |
| Efficiency ratio | 45.6562% | 4,205 |
| Assets per employee ($millions) | 5.5598% | 3,199 |
| Cash dividends to net income (ytd only)* | 59.6221% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,226 |
| Loan loss allowance to noncurrent loans | 74.5421% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 484 |
| Noncurrent loans to loans | 1.3633% | 508 |
| Net loans and leases to total assets | 69.9100% | 1,819 |
| Net loans and leases to deposits | 79.6437% | 2,144 |
| Net loans and leases to core deposits | 100.0732% | 1,428 |
| Total domestic deposits to total assets | 87.7700% | 1,427 |
| Equity capital to assets | 11.2760% | 1,377 |
| Core capital (leverage) ratio | 10.6891% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $272,807,000 | 2,567 |
| Average earning assets | $253,736,600 | 2,548 |
| Average equity | $30,495,000 | 2,247 |
| Average total loans | $197,533,800 | 2,299 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5664% | 138 |
| Cost of funding earning assets | 1.9060% | 854 |
| Net interest margin | 5.6604% | 150 |
| Noninterest income to average assets | 2.6300% | 223 |
| Noninterest expense to average assets | 3.3836% | 640 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 4.3846% | 96 |
| Return on assets (ROA) | 4.3846% | 96 |
| Pretax return on assets | 4.3846% | 110 |
| Return on Equity (ROE) | 39.3100% | 118 |
| Retained earnings to average equity (ytd only) | 30.8435% | 82 |
| Net charge-offs to loans | 0.0271% | 1,528 |
| Credit loss provision to net charge-offs | 675.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 228.8250% | 542 |
| Efficiency ratio | 42.8223% | 4,281 |
| Assets per employee ($millions) | 5.6009% | 3,100 |
| Cash dividends to net income (ytd only)* | 21.5468% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,639 |
| Loan loss allowance to noncurrent loans | 69.2732% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 457 |
| Noncurrent loans to loans | 1.3393% | 569 |
| Net loans and leases to total assets | 75.1800% | 1,213 |
| Net loans and leases to deposits | 89.7553% | 1,253 |
| Net loans and leases to core deposits | 119.2246% | 572 |
| Total domestic deposits to total assets | 83.7600% | 2,843 |
| Equity capital to assets | 12.1448% | 1,001 |
| Core capital (leverage) ratio | 12.1334% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $270,121,500 | 2,579 |
| Average earning assets | $251,754,250 | 2,563 |
| Average equity | $30,125,500 | 2,248 |
| Average total loans | $196,854,000 | 2,312 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4272% | 135 |
| Cost of funding earning assets | 1.7688% | 787 |
| Net interest margin | 5.6584% | 143 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 3.1523% | 840 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 2.6262% | 216 |
| Return on assets (ROA) | 2.6262% | 212 |
| Pretax return on assets | 2.6262% | 301 |
| Return on Equity (ROE) | 24.3300% | 408 |
| Retained earnings to average equity (ytd only) | 17.6341% | 361 |
| Net charge-offs to loans | -0.0116% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.2993% | 3,666 |
| Assets per employee ($millions) | 5.4291% | 3,206 |
| Cash dividends to net income (ytd only)* | 27.5079% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,660 |
| Loan loss allowance to noncurrent loans | 55.2381% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 281 |
| Noncurrent loans to loans | 1.7004% | 363 |
| Net loans and leases to total assets | 75.1100% | 1,150 |
| Net loans and leases to deposits | 89.2333% | 1,243 |
| Net loans and leases to core deposits | 119.3514% | 530 |
| Total domestic deposits to total assets | 84.1800% | 2,786 |
| Equity capital to assets | 10.7477% | 1,491 |
| Core capital (leverage) ratio | 10.8801% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $264,946,667 | 2,607 |
| Average earning assets | $247,064,667 | 2,602 |
| Average equity | $28,603,667 | 2,330 |
| Average total loans | $190,220,000 | 2,353 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5542% | 144 |
| Cost of funding earning assets | 0.6973% | 588 |
| Net interest margin | 4.8569% | 166 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.7519% | 1,434 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 2.4162% | 161 |
| Return on assets (ROA) | 2.4162% | 156 |
| Pretax return on assets | 2.4162% | 226 |
| Return on Equity (ROE) | 22.2800% | 323 |
| Retained earnings to average equity (ytd only) | 11.6763% | 736 |
| Net charge-offs to loans | 0.0498% | 1,173 |
| Credit loss provision to net charge-offs | 317.6471% | 890 |
| Earnings coverage of net charge-offs (x) | 77.1765% | 1,108 |
| Efficiency ratio | 52.2005% | 3,962 |
| Assets per employee ($millions) | 5.0634% | 3,625 |
| Cash dividends to net income (ytd only)* | 47.5835% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,298 |
| Loan loss allowance to noncurrent loans | 83.4192% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 513 |
| Noncurrent loans to loans | 1.2125% | 580 |
| Net loans and leases to total assets | 66.2000% | 2,018 |
| Net loans and leases to deposits | 74.7547% | 2,194 |
| Net loans and leases to core deposits | 86.2048% | 1,736 |
| Total domestic deposits to total assets | 88.5500% | 1,864 |
| Equity capital to assets | 11.2194% | 1,175 |
| Core capital (leverage) ratio | 10.6043% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $260,327,000 | 2,668 |
| Average earning assets | $243,364,400 | 2,656 |
| Average equity | $28,236,600 | 2,420 |
| Average total loans | $170,783,200 | 2,450 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2335% | 158 |
| Cost of funding earning assets | 0.5700% | 515 |
| Net interest margin | 4.6635% | 175 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.6180% | 1,674 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 2.3694% | 173 |
| Return on assets (ROA) | 2.3694% | 170 |
| Pretax return on assets | 2.3694% | 249 |
| Return on Equity (ROE) | 22.0400% | 288 |
| Retained earnings to average equity (ytd only) | 13.4616% | 548 |
| Net charge-offs to loans | 0.0063% | 1,924 |
| Credit loss provision to net charge-offs | 3,375.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 610.3750% | 259 |
| Efficiency ratio | 51.0721% | 4,079 |
| Assets per employee ($millions) | 5.0788% | 3,612 |
| Cash dividends to net income (ytd only)* | 38.9118% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,665 |
| Loan loss allowance to noncurrent loans | 88.0152% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 551 |
| Noncurrent loans to loans | 1.0873% | 692 |
| Net loans and leases to total assets | 72.8100% | 1,200 |
| Net loans and leases to deposits | 86.7156% | 1,126 |
| Net loans and leases to core deposits | 95.7520% | 1,018 |
| Total domestic deposits to total assets | 83.9700% | 3,513 |
| Equity capital to assets | 11.0044% | 1,175 |
| Core capital (leverage) ratio | 10.8160% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $259,585,000 | 2,687 |
| Average earning assets | $242,789,750 | 2,675 |
| Average equity | $27,910,750 | 2,467 |
| Average total loans | $169,460,000 | 2,460 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 199 |
| Cost of funding earning assets | 0.5524% | 386 |
| Net interest margin | 4.3375% | 258 |
| Noninterest income to average assets | 0.7990% | 1,045 |
| Noninterest expense to average assets | 2.5651% | 1,739 |
| Loan and lease loss provision to assets | 0.1395% | 690 |
| Net operating income to assets | 2.1528% | 176 |
| Return on assets (ROA) | 2.1528% | 175 |
| Pretax return on assets | 2.1528% | 267 |
| Return on Equity (ROE) | 20.1838% | 296 |
| Retained earnings to average equity (ytd only) | 20.1838% | 71 |
| Net charge-offs to loans | 0.0174% | 1,396 |
| Credit loss provision to net charge-offs | 1,285.7143% | 338 |
| Earnings coverage of net charge-offs (x) | 211.2857% | 526 |
| Efficiency ratio | 52.8079% | 4,062 |
| Assets per employee ($millions) | 5.3025% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,794 |
| Loan loss allowance to noncurrent loans | 57.2961% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 324 |
| Noncurrent loans to loans | 1.6564% | 428 |
| Net loans and leases to total assets | 70.8166% | 1,219 |
| Net loans and leases to deposits | 80.0366% | 1,383 |
| Net loans and leases to core deposits | 87.7338% | 1,238 |
| Total domestic deposits to total assets | 88.4802% | 2,393 |
| Equity capital to assets | 11.1696% | 1,144 |
| Core capital (leverage) ratio | 10.3764% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,081,667 | 2,724 |
| Average earning assets | $241,478,000 | 2,711 |
| Average equity | $27,527,000 | 2,548 |
| Average total loans | $161,230,333 | 2,538 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 291 |
| Cost of funding earning assets | 0.5618% | 346 |
| Net interest margin | 3.9692% | 438 |
| Noninterest income to average assets | 0.6656% | 1,430 |
| Noninterest expense to average assets | 2.5691% | 1,697 |
| Loan and lease loss provision to assets | 0.1400% | 575 |
| Net operating income to assets | 1.6702% | 436 |
| Return on assets (ROA) | 1.6702% | 438 |
| Pretax return on assets | 1.6702% | 727 |
| Return on Equity (ROE) | 16.0418% | 528 |
| Retained earnings to average equity (ytd only) | 16.0418% | 229 |
| Net charge-offs to loans | 0.0483% | 805 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 64.6667% | 831 |
| Efficiency ratio | 58.6648% | 3,617 |
| Assets per employee ($millions) | 5.8641% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,437 |
| Loan loss allowance to noncurrent loans | 71.4775% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 520 |
| Noncurrent loans to loans | 1.5040% | 549 |
| Net loans and leases to total assets | 59.5227% | 2,111 |
| Net loans and leases to deposits | 66.7797% | 2,267 |
| Net loans and leases to core deposits | 77.9349% | 1,618 |
| Total domestic deposits to total assets | 89.1330% | 2,012 |
| Equity capital to assets | 10.5872% | 1,553 |
| Core capital (leverage) ratio | 10.0962% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,211,500 | 2,740 |
| Average earning assets | $240,653,500 | 2,733 |
| Average equity | $26,780,000 | 2,663 |
| Average total loans | $148,965,500 | 2,640 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 249 |
| Cost of funding earning assets | 0.7897% | 213 |
| Net interest margin | 4.2599% | 438 |
| Noninterest income to average assets | 1.3021% | 632 |
| Noninterest expense to average assets | 2.6380% | 1,783 |
| Loan and lease loss provision to assets | 0.7246% | 62 |
| Net operating income to assets | 1.9237% | 390 |
| Return on assets (ROA) | 1.9237% | 414 |
| Pretax return on assets | 1.9237% | 691 |
| Return on Equity (ROE) | 17.2894% | 544 |
| Retained earnings to average equity (ytd only) | 2.9385% | 3,652 |
| Net charge-offs to loans | 1.2503% | 50 |
| Credit loss provision to net charge-offs | 93.4933% | 1,859 |
| Earnings coverage of net charge-offs (x) | 3.4171% | 2,543 |
| Efficiency ratio | 49.9023% | 4,290 |
| Assets per employee ($millions) | 5.6979% | 3,056 |
| Cash dividends to net income (ytd only)* | 83.0039% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,277 |
| Loan loss allowance to noncurrent loans | 69.0744% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 575 |
| Noncurrent loans to loans | 1.6204% | 534 |
| Net loans and leases to total assets | 55.0245% | 2,729 |
| Net loans and leases to deposits | 61.4460% | 2,939 |
| Net loans and leases to core deposits | 72.9253% | 2,176 |
| Total domestic deposits to total assets | 89.5493% | 1,210 |
| Equity capital to assets | 10.2350% | 2,436 |
| Core capital (leverage) ratio | 9.4974% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,923,800 | 2,781 |
| Average earning assets | $226,274,600 | 2,769 |
| Average equity | $26,918,200 | 2,728 |
| Average total loans | $149,967,800 | 2,632 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 234 |
| Cost of funding earning assets | 0.8209% | 218 |
| Net interest margin | 4.3424% | 413 |
| Noninterest income to average assets | 1.5560% | 514 |
| Noninterest expense to average assets | 2.6324% | 1,745 |
| Loan and lease loss provision to assets | 0.9756% | 39 |
| Net operating income to assets | 2.0052% | 460 |
| Return on assets (ROA) | 2.0052% | 485 |
| Pretax return on assets | 2.0052% | 793 |
| Return on Equity (ROE) | 17.6415% | 674 |
| Retained earnings to average equity (ytd only) | 17.6415% | 213 |
| Net charge-offs to loans | 1.6145% | 37 |
| Credit loss provision to net charge-offs | 94.8857% | 1,631 |
| Earnings coverage of net charge-offs (x) | 2.8988% | 2,333 |
| Efficiency ratio | 46.8952% | 4,454 |
| Assets per employee ($millions) | 5.7318% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 3,790 |
| Loan loss allowance to noncurrent loans | 77.3441% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 714 |
| Noncurrent loans to loans | 1.3129% | 820 |
| Net loans and leases to total assets | 64.2680% | 1,734 |
| Net loans and leases to deposits | 73.3245% | 1,927 |
| Net loans and leases to core deposits | 87.4708% | 1,188 |
| Total domestic deposits to total assets | 87.6487% | 2,032 |
| Equity capital to assets | 11.7812% | 1,498 |
| Core capital (leverage) ratio | 12.1722% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,303,750 | 2,831 |
| Average earning assets | $222,664,500 | 2,821 |
| Average equity | $27,087,000 | 2,746 |
| Average total loans | $151,789,250 | 2,654 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 295 |
| Cost of funding earning assets | 0.8491% | 231 |
| Net interest margin | 4.2467% | 541 |
| Noninterest income to average assets | 0.5187% | 2,536 |
| Noninterest expense to average assets | 2.5876% | 1,892 |
| Loan and lease loss provision to assets | 0.1282% | 976 |
| Net operating income to assets | 1.7726% | 761 |
| Return on assets (ROA) | 1.7726% | 799 |
| Pretax return on assets | 1.7726% | 1,293 |
| Return on Equity (ROE) | 15.7960% | 992 |
| Retained earnings to average equity (ytd only) | 15.7960% | 352 |
| Net charge-offs to loans | 0.3932% | 216 |
| Credit loss provision to net charge-offs | 51.5358% | 1,599 |
| Earnings coverage of net charge-offs (x) | 7.6416% | 1,915 |
| Efficiency ratio | 57.6508% | 3,327 |
| Assets per employee ($millions) | 5.3018% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,990 |
| Loan loss allowance to noncurrent loans | 43.2492% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 343 |
| Noncurrent loans to loans | 2.2005% | 406 |
| Net loans and leases to total assets | 68.7488% | 1,357 |
| Net loans and leases to deposits | 78.2162% | 1,595 |
| Net loans and leases to core deposits | 95.0185% | 857 |
| Total domestic deposits to total assets | 87.8959% | 1,888 |
| Equity capital to assets | 11.5433% | 1,603 |
| Core capital (leverage) ratio | 11.5447% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,582,333 | 2,837 |
| Average earning assets | $220,220,333 | 2,827 |
| Average equity | $26,437,000 | 2,788 |
| Average total loans | $149,044,000 | 2,693 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 451 |
| Cost of funding earning assets | 0.8691% | 258 |
| Net interest margin | 3.9795% | 868 |
| Noninterest income to average assets | 0.5126% | 2,556 |
| Noninterest expense to average assets | 2.6247% | 1,817 |
| Loan and lease loss provision to assets | 0.1282% | 1,072 |
| Net operating income to assets | 1.4764% | 1,383 |
| Return on assets (ROA) | 1.4764% | 1,445 |
| Pretax return on assets | 1.4764% | 2,055 |
| Return on Equity (ROE) | 13.3511% | 1,580 |
| Retained earnings to average equity (ytd only) | 13.3511% | 847 |
| Net charge-offs to loans | 0.7701% | 102 |
| Credit loss provision to net charge-offs | 27.6753% | 1,392 |
| Earnings coverage of net charge-offs (x) | 3.4649% | 1,764 |
| Efficiency ratio | 62.0606% | 2,748 |
| Assets per employee ($millions) | 5.1000% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,617 |
| Loan loss allowance to noncurrent loans | 41.8407% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 391 |
| Noncurrent loans to loans | 2.5312% | 363 |
| Net loans and leases to total assets | 60.6499% | 2,455 |
| Net loans and leases to deposits | 68.6417% | 2,631 |
| Net loans and leases to core deposits | 80.8933% | 1,923 |
| Total domestic deposits to total assets | 88.3572% | 1,680 |
| Equity capital to assets | 11.2183% | 1,711 |
| Core capital (leverage) ratio | 11.3413% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,083,500 | 2,833 |
| Average earning assets | $218,618,000 | 2,831 |
| Average equity | $25,885,500 | 2,806 |
| Average total loans | $140,767,500 | 2,777 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 450 |
| Cost of funding earning assets | 1.1506% | 335 |
| Net interest margin | 3.8926% | 1,235 |
| Noninterest income to average assets | 0.6241% | 2,123 |
| Noninterest expense to average assets | 2.5930% | 2,571 |
| Loan and lease loss provision to assets | 0.1078% | 2,995 |
| Net operating income to assets | 1.5283% | 750 |
| Return on assets (ROA) | 1.5283% | 813 |
| Pretax return on assets | 1.5283% | 1,249 |
| Return on Equity (ROE) | 13.4988% | 924 |
| Retained earnings to average equity (ytd only) | -0.8723% | 4,625 |
| Net charge-offs to loans | 0.0857% | 1,605 |
| Credit loss provision to net charge-offs | 194.3089% | 2,188 |
| Earnings coverage of net charge-offs (x) | 29.4959% | 1,627 |
| Efficiency ratio | 61.3137% | 3,259 |
| Assets per employee ($millions) | 5.5597% | 2,780 |
| Cash dividends to net income (ytd only)* | 106.4621% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,805 |
| Loan loss allowance to noncurrent loans | 45.2234% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 421 |
| Noncurrent loans to loans | 2.7133% | 348 |
| Net loans and leases to total assets | 58.2577% | 3,055 |
| Net loans and leases to deposits | 65.5730% | 3,312 |
| Net loans and leases to core deposits | 79.2780% | 2,420 |
| Total domestic deposits to total assets | 88.8441% | 1,054 |
| Equity capital to assets | 10.8827% | 2,357 |
| Core capital (leverage) ratio | 10.8537% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,751,400 | 2,782 |
| Average earning assets | $205,363,600 | 2,786 |
| Average equity | $25,106,000 | 2,797 |
| Average total loans | $143,573,600 | 2,715 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 355 |
| Cost of funding earning assets | 1.2201% | 347 |
| Net interest margin | 4.0594% | 979 |
| Noninterest income to average assets | 0.5320% | 2,465 |
| Noninterest expense to average assets | 2.5837% | 2,584 |
| Loan and lease loss provision to assets | 0.1478% | 2,544 |
| Net operating income to assets | 1.5093% | 886 |
| Return on assets (ROA) | 1.5093% | 966 |
| Pretax return on assets | 1.5093% | 1,428 |
| Return on Equity (ROE) | 13.3375% | 1,023 |
| Retained earnings to average equity (ytd only) | 2.1564% | 3,872 |
| Net charge-offs to loans | 0.0653% | 1,680 |
| Credit loss provision to net charge-offs | 345.0704% | 1,626 |
| Earnings coverage of net charge-offs (x) | 38.7324% | 1,388 |
| Efficiency ratio | 60.9264% | 3,230 |
| Assets per employee ($millions) | 5.5457% | 2,666 |
| Cash dividends to net income (ytd only)* | 83.8323% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,170 |
| Loan loss allowance to noncurrent loans | 38.1735% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0037% | 331 |
| Noncurrent loans to loans | 2.9004% | 331 |
| Net loans and leases to total assets | 66.8413% | 2,405 |
| Net loans and leases to deposits | 75.7401% | 2,781 |
| Net loans and leases to core deposits | 95.4596% | 1,507 |
| Total domestic deposits to total assets | 88.2509% | 1,087 |
| Equity capital to assets | 11.1854% | 2,244 |
| Core capital (leverage) ratio | 11.6275% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,282,500 | 2,771 |
| Average earning assets | $202,160,750 | 2,790 |
| Average equity | $25,041,500 | 2,788 |
| Average total loans | $145,035,250 | 2,709 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 377 |
| Cost of funding earning assets | 1.3292% | 315 |
| Net interest margin | 4.1067% | 1,097 |
| Noninterest income to average assets | 0.5598% | 2,302 |
| Noninterest expense to average assets | 3.9171% | 447 |
| Loan and lease loss provision to assets | 0.2409% | 1,747 |
| Net operating income to assets | 0.1140% | 4,669 |
| Return on assets (ROA) | 0.1140% | 4,703 |
| Pretax return on assets | 0.1140% | 4,712 |
| Return on Equity (ROE) | 1.0222% | 4,685 |
| Retained earnings to average equity (ytd only) | -16.2893% | 4,991 |
| Net charge-offs to loans | 0.0795% | 1,455 |
| Credit loss provision to net charge-offs | 467.8571% | 1,284 |
| Earnings coverage of net charge-offs (x) | 6.8929% | 2,408 |
| Efficiency ratio | 91.6936% | 350 |
| Assets per employee ($millions) | 5.5304% | 2,608 |
| Cash dividends to net income (ytd only)* | 1,693.5484% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,186 |
| Loan loss allowance to noncurrent loans | 30.8449% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.3519% | 255 |
| Noncurrent loans to loans | 3.4970% | 226 |
| Net loans and leases to total assets | 65.3290% | 2,720 |
| Net loans and leases to deposits | 76.3954% | 2,817 |
| Net loans and leases to core deposits | 97.6511% | 1,440 |
| Total domestic deposits to total assets | 85.5143% | 2,199 |
| Equity capital to assets | 9.9774% | 3,228 |
| Core capital (leverage) ratio | 11.7192% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5323% | 2,384 |
| Memoranda: | ||
| Average total assets | $217,561,333 | 2,778 |
| Average earning assets | $196,654,000 | 2,814 |
| Average equity | $24,261,333 | 2,833 |
| Average total loans | $140,904,000 | 2,738 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 251 |
| Cost of funding earning assets | 1.7211% | 118 |
| Net interest margin | 3.9698% | 1,479 |
| Noninterest income to average assets | 0.5651% | 2,209 |
| Noninterest expense to average assets | 2.7645% | 2,534 |
| Loan and lease loss provision to assets | 0.1993% | 1,522 |
| Net operating income to assets | 1.3060% | 1,231 |
| Return on assets (ROA) | 1.3060% | 1,327 |
| Pretax return on assets | 1.3060% | 1,856 |
| Return on Equity (ROE) | 11.6275% | 1,219 |
| Retained earnings to average equity (ytd only) | -32.2104% | 5,050 |
| Net charge-offs to loans | 0.0643% | 1,374 |
| Credit loss provision to net charge-offs | 472.2222% | 915 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 1,077 |
| Efficiency ratio | 64.7446% | 3,114 |
| Assets per employee ($millions) | 5.6123% | 2,011 |
| Cash dividends to net income (ytd only)* | 377.0197% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,615 |
| Loan loss allowance to noncurrent loans | 28.6452% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.1762% | 174 |
| Noncurrent loans to loans | 4.9698% | 125 |
| Net loans and leases to total assets | 61.8487% | 3,315 |
| Net loans and leases to deposits | 69.4414% | 3,637 |
| Net loans and leases to core deposits | 96.1626% | 1,777 |
| Total domestic deposits to total assets | 89.0660% | 631 |
| Equity capital to assets | 10.5701% | 3,257 |
| Core capital (leverage) ratio | 10.6797% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3244% | 1,522 |
| Memoranda: | ||
| Average total assets | $170,592,000 | 3,128 |
| Average earning assets | $159,202,000 | 3,116 |
| Average equity | $19,161,500 | 3,260 |
| Average total loans | $111,910,500 | 3,057 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2166% | 163 |
| Cost of funding earning assets | 1.6437% | 250 |
| Net interest margin | 4.5729% | 608 |
| Noninterest income to average assets | 0.6993% | 1,824 |
| Noninterest expense to average assets | 2.8771% | 2,363 |
| Loan and lease loss provision to assets | 0.2161% | 910 |
| Net operating income to assets | 1.8819% | 446 |
| Return on assets (ROA) | 1.8819% | 465 |
| Pretax return on assets | 1.8819% | 774 |
| Return on Equity (ROE) | 14.6933% | 750 |
| Retained earnings to average equity (ytd only) | 1.1766% | 4,323 |
| Net charge-offs to loans | 0.2942% | 710 |
| Credit loss provision to net charge-offs | 97.1989% | 2,550 |
| Earnings coverage of net charge-offs (x) | 9.4370% | 2,663 |
| Efficiency ratio | 57.8295% | 3,992 |
| Assets per employee ($millions) | 5.3936% | 2,158 |
| Cash dividends to net income (ytd only)* | 91.9921% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 1,939 |
| Loan loss allowance to noncurrent loans | 36.8617% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.4126% | 278 |
| Noncurrent loans to loans | 3.5182% | 236 |
| Net loans and leases to total assets | 67.6872% | 2,727 |
| Net loans and leases to deposits | 77.1493% | 3,079 |
| Net loans and leases to core deposits | 108.8169% | 924 |
| Total domestic deposits to total assets | 87.7353% | 1,254 |
| Equity capital to assets | 11.9214% | 2,186 |
| Core capital (leverage) ratio | 11.7277% | 1,938 |
| Tier 1 risk-based capital ratio | 14.5910% | 2,969 |
| Total risk-based capital ratio | 15.6794% | 2,956 |
| Memoranda: | ||
| Average total assets | $160,579,600 | 3,198 |
| Average earning assets | $150,145,400 | 3,171 |
| Average equity | $20,567,200 | 3,082 |
| Average total loans | $121,331,800 | 2,928 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3738% | 134 |
| Cost of funding earning assets | 1.6047% | 290 |
| Net interest margin | 4.7691% | 441 |
| Noninterest income to average assets | 0.7257% | 1,682 |
| Noninterest expense to average assets | 2.9347% | 2,147 |
| Loan and lease loss provision to assets | 0.2240% | 768 |
| Net operating income to assets | 2.0227% | 379 |
| Return on assets (ROA) | 2.0227% | 395 |
| Pretax return on assets | 2.0227% | 658 |
| Return on Equity (ROE) | 15.5101% | 682 |
| Retained earnings to average equity (ytd only) | 14.3521% | 188 |
| Net charge-offs to loans | 0.3816% | 436 |
| Credit loss provision to net charge-offs | 75.8523% | 2,556 |
| Earnings coverage of net charge-offs (x) | 7.6080% | 2,724 |
| Efficiency ratio | 56.6386% | 4,101 |
| Assets per employee ($millions) | 5.6119% | 1,925 |
| Cash dividends to net income (ytd only)* | 7.4656% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,084 |
| Loan loss allowance to noncurrent loans | 27.8062% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.9189% | 197 |
| Noncurrent loans to loans | 3.9171% | 178 |
| Net loans and leases to total assets | 73.7067% | 1,870 |
| Net loans and leases to deposits | 91.1745% | 1,546 |
| Net loans and leases to core deposits | 136.6214% | 218 |
| Total domestic deposits to total assets | 80.8413% | 3,798 |
| Equity capital to assets | 12.6029% | 1,837 |
| Core capital (leverage) ratio | 12.9509% | 1,361 |
| Tier 1 risk-based capital ratio | 16.0574% | 2,406 |
| Total risk-based capital ratio | 17.0916% | 2,432 |
| Memoranda: | ||
| Average total assets | $158,923,750 | 3,242 |
| Average earning assets | $148,480,250 | 3,221 |
| Average equity | $20,725,750 | 3,087 |
| Average total loans | $122,999,250 | 2,938 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4963% | 111 |
| Cost of funding earning assets | 1.5221% | 353 |
| Net interest margin | 4.9742% | 302 |
| Noninterest income to average assets | 0.8083% | 1,325 |
| Noninterest expense to average assets | 3.1044% | 1,720 |
| Loan and lease loss provision to assets | 0.2261% | 729 |
| Net operating income to assets | 2.1194% | 310 |
| Return on assets (ROA) | 2.1194% | 323 |
| Pretax return on assets | 2.1194% | 525 |
| Return on Equity (ROE) | 16.0484% | 581 |
| Retained earnings to average equity (ytd only) | 14.2773% | 213 |
| Net charge-offs to loans | 0.5514% | 282 |
| Credit loss provision to net charge-offs | 52.2523% | 2,460 |
| Earnings coverage of net charge-offs (x) | 5.4204% | 2,657 |
| Efficiency ratio | 56.9623% | 4,136 |
| Assets per employee ($millions) | 5.2782% | 2,173 |
| Cash dividends to net income (ytd only)* | 11.0362% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,516 |
| Loan loss allowance to noncurrent loans | 26.6269% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 3.1444% | 178 |
| Noncurrent loans to loans | 3.8210% | 198 |
| Net loans and leases to total assets | 79.5561% | 950 |
| Net loans and leases to deposits | 94.0013% | 1,262 |
| Net loans and leases to core deposits | 160.0836% | 94 |
| Total domestic deposits to total assets | 84.6330% | 2,624 |
| Equity capital to assets | 12.9224% | 1,621 |
| Core capital (leverage) ratio | 13.5461% | 1,094 |
| Tier 1 risk-based capital ratio | 15.3439% | 2,684 |
| Total risk-based capital ratio | 16.3148% | 2,731 |
| Memoranda: | ||
| Average total assets | $153,909,000 | 3,301 |
| Average earning assets | $143,619,670 | 3,289 |
| Average equity | $20,326,000 | 3,124 |
| Average total loans | $120,786,330 | 2,979 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7801% | 85 |
| Cost of funding earning assets | 1.4288% | 411 |
| Net interest margin | 5.3513% | 160 |
| Noninterest income to average assets | 0.4883% | 2,624 |
| Noninterest expense to average assets | 3.3348% | 1,217 |
| Loan and lease loss provision to assets | 0.2146% | 726 |
| Net operating income to assets | 1.9129% | 450 |
| Return on assets (ROA) | 1.9129% | 466 |
| Pretax return on assets | 1.9129% | 771 |
| Return on Equity (ROE) | 14.2889% | 903 |
| Retained earnings to average equity (ytd only) | 10.6816% | 885 |
| Net charge-offs to loans | 0.0035% | 2,611 |
| Credit loss provision to net charge-offs | 8,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 793.0000% | 84 |
| Efficiency ratio | 61.0511% | 3,674 |
| Assets per employee ($millions) | 5.2644% | 2,205 |
| Cash dividends to net income (ytd only)* | 25.2454% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,869 |
| Loan loss allowance to noncurrent loans | 44.6965% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.3948% | 338 |
| Noncurrent loans to loans | 3.0218% | 359 |
| Net loans and leases to total assets | 75.3987% | 1,580 |
| Net loans and leases to deposits | 90.0077% | 1,629 |
| Net loans and leases to core deposits | 124.5526% | 414 |
| Total domestic deposits to total assets | 83.7692% | 3,125 |
| Equity capital to assets | 13.2484% | 1,319 |
| Core capital (leverage) ratio | 13.7756% | 1,008 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,217 |
| Total risk-based capital ratio | 17.8736% | 2,176 |
| Memoranda: | ||
| Average total assets | $149,095,000 | 3,399 |
| Average earning assets | $138,582,500 | 3,385 |
| Average equity | $19,959,500 | 3,161 |
| Average total loans | $115,424,500 | 3,071 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3162% | 111 |
| Cost of funding earning assets | 1.2050% | 335 |
| Net interest margin | 5.1113% | 220 |
| Noninterest income to average assets | 0.7447% | 1,671 |
| Noninterest expense to average assets | 2.9763% | 2,109 |
| Loan and lease loss provision to assets | 0.4778% | 256 |
| Net operating income to assets | 2.0278% | 341 |
| Return on assets (ROA) | 2.0278% | 339 |
| Pretax return on assets | 2.0278% | 530 |
| Return on Equity (ROE) | 16.5771% | 534 |
| Retained earnings to average equity (ytd only) | 0.8385% | 4,764 |
| Net charge-offs to loans | 0.2811% | 689 |
| Credit loss provision to net charge-offs | 211.8644% | 1,368 |
| Earnings coverage of net charge-offs (x) | 11.1102% | 2,657 |
| Efficiency ratio | 54.2940% | 4,590 |
| Assets per employee ($millions) | 5.0180% | 2,478 |
| Cash dividends to net income (ytd only)* | 94.9419% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,985 |
| Loan loss allowance to noncurrent loans | 51.4256% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.0121% | 476 |
| Noncurrent loans to loans | 2.5498% | 470 |
| Net loans and leases to total assets | 77.4221% | 1,368 |
| Net loans and leases to deposits | 90.8085% | 1,697 |
| Net loans and leases to core deposits | 99.6594% | 1,739 |
| Total domestic deposits to total assets | 85.2587% | 2,529 |
| Equity capital to assets | 13.5326% | 1,135 |
| Core capital (leverage) ratio | 11.6719% | 1,977 |
| Tier 1 risk-based capital ratio | 18.3262% | 1,661 |
| Total risk-based capital ratio | 19.5779% | 1,613 |
| Memoranda: | ||
| Average total assets | $156,971,400 | 3,317 |
| Average earning assets | $145,482,200 | 3,308 |
| Average equity | $19,201,200 | 3,162 |
| Average total loans | $125,922,600 | 2,929 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 122 |
| Cost of funding earning assets | 1.0992% | 404 |
| Net interest margin | 5.0692% | 230 |
| Noninterest income to average assets | 1.2371% | 628 |
| Noninterest expense to average assets | 2.8562% | 2,441 |
| Loan and lease loss provision to assets | 0.5597% | 186 |
| Net operating income to assets | 2.5184% | 158 |
| Return on assets (ROA) | 2.5184% | 158 |
| Pretax return on assets | 2.5184% | 226 |
| Return on Equity (ROE) | 20.7824% | 226 |
| Retained earnings to average equity (ytd only) | 20.1972% | 54 |
| Net charge-offs to loans | 0.3466% | 478 |
| Credit loss provision to net charge-offs | 200.2985% | 1,377 |
| Earnings coverage of net charge-offs (x) | 11.0148% | 2,551 |
| Efficiency ratio | 48.1304% | 5,046 |
| Assets per employee ($millions) | 5.6657% | 1,761 |
| Cash dividends to net income (ytd only)* | 2.8155% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,308 |
| Loan loss allowance to noncurrent loans | 133.4262% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 2,260 |
| Noncurrent loans to loans | 0.8081% | 2,089 |
| Net loans and leases to total assets | 77.5657% | 1,406 |
| Net loans and leases to deposits | 107.4228% | 379 |
| Net loans and leases to core deposits | 150.2382% | 132 |
| Total domestic deposits to total assets | 72.2060% | 5,115 |
| Equity capital to assets | 13.2175% | 1,246 |
| Core capital (leverage) ratio | 13.5759% | 1,074 |
| Tier 1 risk-based capital ratio | 19.2132% | 1,490 |
| Total risk-based capital ratio | 20.4421% | 1,460 |
| Memoranda: | ||
| Average total assets | $159,833,500 | 3,305 |
| Average earning assets | $148,106,250 | 3,297 |
| Average equity | $19,368,500 | 3,167 |
| Average total loans | $128,862,250 | 2,911 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1766% | 116 |
| Cost of funding earning assets | 0.9979% | 475 |
| Net interest margin | 5.1787% | 175 |
| Noninterest income to average assets | 1.3026% | 568 |
| Noninterest expense to average assets | 2.9504% | 2,199 |
| Loan and lease loss provision to assets | 0.7465% | 127 |
| Net operating income to assets | 2.3956% | 177 |
| Return on assets (ROA) | 2.3956% | 175 |
| Pretax return on assets | 2.3956% | 275 |
| Return on Equity (ROE) | 20.4407% | 235 |
| Retained earnings to average equity (ytd only) | 19.6771% | 70 |
| Net charge-offs to loans | 0.5055% | 302 |
| Credit loss provision to net charge-offs | 181.3665% | 1,401 |
| Earnings coverage of net charge-offs (x) | 7.6335% | 2,532 |
| Efficiency ratio | 48.4264% | 5,099 |
| Assets per employee ($millions) | 5.4950% | 1,882 |
| Cash dividends to net income (ytd only)* | 3.7353% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,671 |
| Loan loss allowance to noncurrent loans | 41.7508% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 546 |
| Noncurrent loans to loans | 2.4584% | 532 |
| Net loans and leases to total assets | 79.7870% | 1,056 |
| Net loans and leases to deposits | 105.8797% | 441 |
| Net loans and leases to core deposits | 146.3715% | 146 |
| Total domestic deposits to total assets | 75.3562% | 4,921 |
| Equity capital to assets | 12.7608% | 1,415 |
| Core capital (leverage) ratio | 13.6604% | 1,006 |
| Tier 1 risk-based capital ratio | 17.7132% | 1,885 |
| Total risk-based capital ratio | 18.8617% | 1,867 |
| Memoranda: | ||
| Average total assets | $156,454,000 | 3,362 |
| Average earning assets | $144,707,670 | 3,363 |
| Average equity | $18,336,000 | 3,298 |
| Average total loans | $127,390,670 | 2,944 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2029% | 103 |
| Cost of funding earning assets | 0.8796% | 663 |
| Net interest margin | 5.3233% | 133 |
| Noninterest income to average assets | 0.5648% | 2,449 |
| Noninterest expense to average assets | 3.1710% | 1,631 |
| Loan and lease loss provision to assets | 0.2233% | 703 |
| Net operating income to assets | 2.0676% | 321 |
| Return on assets (ROA) | 2.0676% | 321 |
| Pretax return on assets | 2.0676% | 506 |
| Return on Equity (ROE) | 18.5329% | 357 |
| Retained earnings to average equity (ytd only) | 17.5910% | 171 |
| Net charge-offs to loans | 0.0321% | 1,857 |
| Credit loss provision to net charge-offs | 850.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 87.2000% | 667 |
| Efficiency ratio | 58.0568% | 4,329 |
| Assets per employee ($millions) | 5.4323% | 2,001 |
| Cash dividends to net income (ytd only)* | 5.0826% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 4,279 |
| Loan loss allowance to noncurrent loans | 53.5763% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 1,003 |
| Noncurrent loans to loans | 1.7459% | 978 |
| Net loans and leases to total assets | 76.4251% | 1,474 |
| Net loans and leases to deposits | 102.8115% | 547 |
| Net loans and leases to core deposits | 138.8827% | 229 |
| Total domestic deposits to total assets | 74.3352% | 5,117 |
| Equity capital to assets | 10.6498% | 2,925 |
| Core capital (leverage) ratio | 12.2157% | 1,518 |
| Tier 1 risk-based capital ratio | 13.2162% | 3,839 |
| Total risk-based capital ratio | 14.1117% | 3,920 |
| Memoranda: | ||
| Average total assets | $152,256,500 | 3,438 |
| Average earning assets | $140,063,500 | 3,443 |
| Average equity | $16,986,000 | 3,480 |
| Average total loans | $124,640,000 | 3,004 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4429% | 78 |
| Cost of funding earning assets | 0.9067% | 361 |
| Net interest margin | 5.5362% | 98 |
| Noninterest income to average assets | 1.3286% | 596 |
| Noninterest expense to average assets | 3.1293% | 1,781 |
| Loan and lease loss provision to assets | 0.8878% | 122 |
| Net operating income to assets | 2.4482% | 129 |
| Return on assets (ROA) | 2.4482% | 128 |
| Pretax return on assets | 2.4482% | 195 |
| Return on Equity (ROE) | 21.5755% | 141 |
| Retained earnings to average equity (ytd only) | 6.0694% | 1,502 |
| Net charge-offs to loans | 0.7494% | 275 |
| Credit loss provision to net charge-offs | 139.2344% | 1,900 |
| Earnings coverage of net charge-offs (x) | 5.2321% | 3,360 |
| Efficiency ratio | 48.4016% | 5,295 |
| Assets per employee ($millions) | 4.7181% | 2,841 |
| Cash dividends to net income (ytd only)* | 71.8692% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,517 |
| Loan loss allowance to noncurrent loans | 175.8786% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 3,100 |
| Noncurrent loans to loans | 0.5067% | 3,002 |
| Net loans and leases to total assets | 86.5129% | 223 |
| Net loans and leases to deposits | 105.8028% | 405 |
| Net loans and leases to core deposits | 138.0810% | 234 |
| Total domestic deposits to total assets | 81.7681% | 3,922 |
| Equity capital to assets | 11.7392% | 2,008 |
| Core capital (leverage) ratio | 10.6926% | 2,659 |
| Tier 1 risk-based capital ratio | 13.0751% | 3,862 |
| Total risk-based capital ratio | 13.9415% | 3,990 |
| Memoranda: | ||
| Average total assets | $131,114,200 | 3,733 |
| Average earning assets | $121,654,200 | 3,716 |
| Average equity | $14,878,000 | 3,730 |
| Average total loans | $111,550,400 | 3,153 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3958% | 79 |
| Cost of funding earning assets | 0.8423% | 469 |
| Net interest margin | 5.5535% | 96 |
| Noninterest income to average assets | 1.3944% | 541 |
| Noninterest expense to average assets | 3.1199% | 1,750 |
| Loan and lease loss provision to assets | 1.0126% | 103 |
| Net operating income to assets | 2.4133% | 152 |
| Return on assets (ROA) | 2.4133% | 154 |
| Pretax return on assets | 2.4133% | 247 |
| Return on Equity (ROE) | 21.4717% | 155 |
| Retained earnings to average equity (ytd only) | 21.0932% | 45 |
| Net charge-offs to loans | 0.6436% | 310 |
| Credit loss provision to net charge-offs | 186.2595% | 1,425 |
| Earnings coverage of net charge-offs (x) | 6.3015% | 2,999 |
| Efficiency ratio | 47.6621% | 5,361 |
| Assets per employee ($millions) | 5.5493% | 1,881 |
| Cash dividends to net income (ytd only)* | 1.7628% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,502 |
| Loan loss allowance to noncurrent loans | 87.6879% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 1,963 |
| Noncurrent loans to loans | 1.0410% | 1,859 |
| Net loans and leases to total assets | 82.6265% | 586 |
| Net loans and leases to deposits | 110.7281% | 258 |
| Net loans and leases to core deposits | 150.8742% | 119 |
| Total domestic deposits to total assets | 74.6211% | 5,170 |
| Equity capital to assets | 11.1832% | 2,690 |
| Core capital (leverage) ratio | 11.7871% | 1,830 |
| Tier 1 risk-based capital ratio | 14.2448% | 3,332 |
| Total risk-based capital ratio | 15.2144% | 3,384 |
| Memoranda: | ||
| Average total assets | $128,507,000 | 3,813 |
| Average earning assets | $119,200,000 | 3,799 |
| Average equity | $14,443,500 | 3,825 |
| Average total loans | $108,549,500 | 3,229 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4085% | 83 |
| Cost of funding earning assets | 0.7379% | 727 |
| Net interest margin | 5.6706% | 90 |
| Noninterest income to average assets | 1.9065% | 338 |
| Noninterest expense to average assets | 3.4189% | 1,131 |
| Loan and lease loss provision to assets | 1.2948% | 78 |
| Net operating income to assets | 2.4554% | 142 |
| Return on assets (ROA) | 2.4554% | 141 |
| Pretax return on assets | 2.4554% | 230 |
| Return on Equity (ROE) | 21.7965% | 144 |
| Retained earnings to average equity (ytd only) | 21.1781% | 50 |
| Net charge-offs to loans | 1.0260% | 194 |
| Credit loss provision to net charge-offs | 148.5380% | 1,534 |
| Earnings coverage of net charge-offs (x) | 4.3021% | 2,949 |
| Efficiency ratio | 47.6890% | 5,406 |
| Assets per employee ($millions) | 4.7741% | 2,685 |
| Cash dividends to net income (ytd only)* | 2.8374% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 4,852 |
| Loan loss allowance to noncurrent loans | 32.7669% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.2622% | 517 |
| Noncurrent loans to loans | 2.5528% | 574 |
| Net loans and leases to total assets | 87.5101% | 173 |
| Net loans and leases to deposits | 106.9140% | 361 |
| Net loans and leases to core deposits | 149.3982% | 126 |
| Total domestic deposits to total assets | 81.8509% | 3,928 |
| Equity capital to assets | 10.6798% | 3,145 |
| Core capital (leverage) ratio | 11.5054% | 1,967 |
| Tier 1 risk-based capital ratio | 12.1783% | 4,508 |
| Total risk-based capital ratio | 13.0200% | 4,677 |
| Memoranda: | ||
| Average total assets | $117,699,670 | 3,994 |
| Average earning assets | $109,230,670 | 3,992 |
| Average equity | $13,259,000 | 4,002 |
| Average total loans | $100,001,000 | 3,396 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2427% | 94 |
| Cost of funding earning assets | 0.6622% | 1,016 |
| Net interest margin | 5.5805% | 98 |
| Noninterest income to average assets | 3.4214% | 176 |
| Noninterest expense to average assets | 3.6450% | 835 |
| Loan and lease loss provision to assets | 2.5306% | 28 |
| Net operating income to assets | 2.3964% | 164 |
| Return on assets (ROA) | 2.3964% | 168 |
| Pretax return on assets | 2.3964% | 256 |
| Return on Equity (ROE) | 20.5834% | 206 |
| Retained earnings to average equity (ytd only) | 20.2633% | 103 |
| Net charge-offs to loans | 2.2674% | 73 |
| Credit loss provision to net charge-offs | 134.7222% | 1,290 |
| Earnings coverage of net charge-offs (x) | 2.6230% | 2,571 |
| Efficiency ratio | 42.5217% | 5,639 |
| Assets per employee ($millions) | 4.1780% | 3,701 |
| Cash dividends to net income (ytd only)* | 1.5552% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,451 |
| Loan loss allowance to noncurrent loans | 30.2326% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.7029% | 394 |
| Noncurrent loans to loans | 3.2041% | 400 |
| Net loans and leases to total assets | 82.9329% | 470 |
| Net loans and leases to deposits | 98.2302% | 753 |
| Net loans and leases to core deposits | 125.3783% | 335 |
| Total domestic deposits to total assets | 84.4271% | 3,320 |
| Equity capital to assets | 11.9776% | 1,863 |
| Core capital (leverage) ratio | 12.9170% | 1,177 |
| Tier 1 risk-based capital ratio | 13.2725% | 3,902 |
| Total risk-based capital ratio | 14.1714% | 4,022 |
| Memoranda: | ||
| Average total assets | $107,325,500 | 4,221 |
| Average earning assets | $99,060,000 | 4,214 |
| Average equity | $12,495,500 | 4,137 |
| Average total loans | $88,912,500 | 3,618 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 102 |
| Cost of funding earning assets | 0.5573% | 1,621 |
| Net interest margin | 5.6132% | 93 |
| Noninterest income to average assets | 0.8811% | 1,477 |
| Noninterest expense to average assets | 3.7461% | 828 |
| Loan and lease loss provision to assets | 0.6252% | 205 |
| Net operating income to assets | 1.6634% | 594 |
| Return on assets (ROA) | 1.6634% | 621 |
| Pretax return on assets | 1.6634% | 1,101 |
| Return on Equity (ROE) | 14.3556% | 718 |
| Retained earnings to average equity (ytd only) | 0.2290% | 5,226 |
| Net charge-offs to loans | 0.7647% | 272 |
| Credit loss provision to net charge-offs | 104.2478% | 2,485 |
| Earnings coverage of net charge-offs (x) | 3.8159% | 3,606 |
| Efficiency ratio | 62.0756% | 4,232 |
| Assets per employee ($millions) | 3.4881% | 4,780 |
| Cash dividends to net income (ytd only)* | 98.4046% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 4,485 |
| Loan loss allowance to noncurrent loans | 42.4492% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.8768% | 767 |
| Noncurrent loans to loans | 2.2803% | 733 |
| Net loans and leases to total assets | 80.9739% | 739 |
| Net loans and leases to deposits | 91.3200% | 1,533 |
| Net loans and leases to core deposits | 105.9965% | 1,129 |
| Total domestic deposits to total assets | 88.6706% | 1,287 |
| Equity capital to assets | 11.2414% | 2,374 |
| Core capital (leverage) ratio | 10.5100% | 2,875 |
| Tier 1 risk-based capital ratio | 14.5300% | 3,187 |
| Total risk-based capital ratio | 15.5530% | 3,213 |
| Memoranda: | ||
| Average total assets | $94,204,800 | 4,461 |
| Average earning assets | $86,493,000 | 4,462 |
| Average equity | $10,915,600 | 4,436 |
| Average total loans | $73,883,600 | 3,946 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1854% | 98 |
| Cost of funding earning assets | 0.5411% | 1,779 |
| Net interest margin | 5.6443% | 93 |
| Noninterest income to average assets | 0.9585% | 1,238 |
| Noninterest expense to average assets | 3.4825% | 1,181 |
| Loan and lease loss provision to assets | 0.8371% | 127 |
| Net operating income to assets | 1.8241% | 465 |
| Return on assets (ROA) | 1.8241% | 491 |
| Pretax return on assets | 1.8241% | 856 |
| Return on Equity (ROE) | 15.6207% | 593 |
| Retained earnings to average equity (ytd only) | 15.4984% | 122 |
| Net charge-offs to loans | 1.0296% | 163 |
| Credit loss provision to net charge-offs | 104.8301% | 2,285 |
| Earnings coverage of net charge-offs (x) | 3.3328% | 3,434 |
| Efficiency ratio | 56.6845% | 4,997 |
| Assets per employee ($millions) | 4.3758% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.7829% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,986 |
| Loan loss allowance to noncurrent loans | 34.1689% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 2.0906% | 729 |
| Noncurrent loans to loans | 2.5326% | 689 |
| Net loans and leases to total assets | 81.3677% | 707 |
| Net loans and leases to deposits | 107.8854% | 310 |
| Net loans and leases to core deposits | 124.7222% | 396 |
| Total domestic deposits to total assets | 75.4205% | 5,298 |
| Equity capital to assets | 11.1713% | 2,823 |
| Core capital (leverage) ratio | 11.4948% | 2,035 |
| Tier 1 risk-based capital ratio | 14.3264% | 3,383 |
| Total risk-based capital ratio | 15.2373% | 3,485 |
| Memoranda: | ||
| Average total assets | $93,339,500 | 4,520 |
| Average earning assets | $85,748,750 | 4,512 |
| Average equity | $10,899,750 | 4,481 |
| Average total loans | $72,390,250 | 4,009 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1917% | 101 |
| Cost of funding earning assets | 0.5151% | 1,980 |
| Net interest margin | 5.6765% | 92 |
| Noninterest income to average assets | 1.1706% | 819 |
| Noninterest expense to average assets | 3.6914% | 892 |
| Loan and lease loss provision to assets | 1.3138% | 72 |
| Net operating income to assets | 1.3752% | 1,102 |
| Return on assets (ROA) | 1.3752% | 1,175 |
| Pretax return on assets | 1.3752% | 2,115 |
| Return on Equity (ROE) | 11.5686% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.3774% | 395 |
| Net charge-offs to loans | 1.6489% | 84 |
| Credit loss provision to net charge-offs | 105.2823% | 2,025 |
| Earnings coverage of net charge-offs (x) | 2.1548% | 3,316 |
| Efficiency ratio | 57.8554% | 4,921 |
| Assets per employee ($millions) | 3.9390% | 4,018 |
| Cash dividends to net income (ytd only)* | 1.6529% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,846 |
| Loan loss allowance to noncurrent loans | 44.2297% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 958 |
| Noncurrent loans to loans | 2.1031% | 929 |
| Net loans and leases to total assets | 84.1433% | 411 |
| Net loans and leases to deposits | 102.0481% | 560 |
| Net loans and leases to core deposits | 118.2479% | 560 |
| Total domestic deposits to total assets | 82.4546% | 3,857 |
| Equity capital to assets | 11.7277% | 2,330 |
| Core capital (leverage) ratio | 12.5930% | 1,306 |
| Tier 1 risk-based capital ratio | 14.5334% | 3,301 |
| Total risk-based capital ratio | 15.5125% | 3,379 |
| Memoranda: | ||
| Average total assets | $87,987,330 | 4,656 |
| Average earning assets | $80,753,670 | 4,647 |
| Average equity | $10,459,330 | 4,575 |
| Average total loans | $66,590,330 | 4,183 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8355% | 155 |
| Cost of funding earning assets | 0.5132% | 2,000 |
| Net interest margin | 5.3223% | 144 |
| Noninterest income to average assets | 1.8128% | 393 |
| Noninterest expense to average assets | 4.0559% | 570 |
| Loan and lease loss provision to assets | 2.0787% | 36 |
| Net operating income to assets | 0.5414% | 4,458 |
| Return on assets (ROA) | 0.5414% | 4,563 |
| Pretax return on assets | 0.5414% | 4,978 |
| Return on Equity (ROE) | 4.5186% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.5186% | 3,225 |
| Net charge-offs to loans | 3.6855% | 27 |
| Credit loss provision to net charge-offs | 80.3738% | 1,834 |
| Earnings coverage of net charge-offs (x) | 1.0131% | 2,869 |
| Efficiency ratio | 60.7531% | 4,638 |
| Assets per employee ($millions) | 3.7174% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,453 |
| Loan loss allowance to noncurrent loans | 28.9568% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.6795% | 527 |
| Noncurrent loans to loans | 3.5523% | 380 |
| Net loans and leases to total assets | 72.4705% | 1,952 |
| Net loans and leases to deposits | 82.1823% | 2,523 |
| Net loans and leases to core deposits | 89.4540% | 2,423 |
| Total domestic deposits to total assets | 88.1826% | 1,541 |
| Equity capital to assets | 11.6619% | 2,276 |
| Core capital (leverage) ratio | 12.0831% | 1,557 |
| Tier 1 risk-based capital ratio | 15.6838% | 2,829 |
| Total risk-based capital ratio | 16.6968% | 2,883 |
| Memoranda: | ||
| Average total assets | $82,743,000 | 4,792 |
| Average earning assets | $75,606,500 | 4,810 |
| Average equity | $9,914,500 | 4,672 |
| Average total loans | $58,066,000 | 4,439 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8136% | 169 |
| Cost of funding earning assets | 0.5229% | 1,973 |
| Net interest margin | 5.2906% | 167 |
| Noninterest income to average assets | 1.6120% | 494 |
| Noninterest expense to average assets | 3.6390% | 1,056 |
| Loan and lease loss provision to assets | 0.1796% | 1,261 |
| Net operating income to assets | 2.6109% | 135 |
| Return on assets (ROA) | 2.6109% | 135 |
| Pretax return on assets | 2.6109% | 172 |
| Return on Equity (ROE) | 20.3550% | 230 |
| Retained earnings to average equity (ytd only) | 7.6941% | 1,019 |
| Net charge-offs to loans | 0.0249% | 3,743 |
| Credit loss provision to net charge-offs | 1,038.4615% | 324 |
| Earnings coverage of net charge-offs (x) | 161.3846% | 398 |
| Efficiency ratio | 56.5991% | 5,287 |
| Assets per employee ($millions) | 3.9993% | 3,937 |
| Cash dividends to net income (ytd only)* | 62.2007% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 2,420 |
| Loan loss allowance to noncurrent loans | 237.0253% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 3,935 |
| Noncurrent loans to loans | 0.5904% | 3,399 |
| Net loans and leases to total assets | 65.9824% | 2,977 |
| Net loans and leases to deposits | 75.3319% | 3,337 |
| Net loans and leases to core deposits | 81.9211% | 3,158 |
| Total domestic deposits to total assets | 87.5889% | 1,849 |
| Equity capital to assets | 12.3248% | 1,720 |
| Core capital (leverage) ratio | 12.3094% | 1,450 |
| Tier 1 risk-based capital ratio | 17.9158% | 1,988 |
| Total risk-based capital ratio | 19.1662% | 1,943 |
| Memoranda: | ||
| Average total assets | $75,186,000 | 4,966 |
| Average earning assets | $68,460,600 | 4,970 |
| Average equity | $9,643,800 | 4,720 |
| Average total loans | $52,281,200 | 4,604 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 153 |
| Cost of funding earning assets | 0.5233% | 2,010 |
| Net interest margin | 5.3681% | 151 |
| Noninterest income to average assets | 0.7046% | 2,211 |
| Noninterest expense to average assets | 3.4618% | 1,360 |
| Loan and lease loss provision to assets | 0.1766% | 1,196 |
| Net operating income to assets | 1.9463% | 393 |
| Return on assets (ROA) | 1.9463% | 410 |
| Pretax return on assets | 1.9463% | 670 |
| Return on Equity (ROE) | 15.0148% | 726 |
| Retained earnings to average equity (ytd only) | 14.7368% | 176 |
| Net charge-offs to loans | 0.0154% | 3,646 |
| Credit loss provision to net charge-offs | 1,633.3333% | 221 |
| Earnings coverage of net charge-offs (x) | 196.3288% | 363 |
| Efficiency ratio | 61.9877% | 4,573 |
| Assets per employee ($millions) | 4.1529% | 3,612 |
| Cash dividends to net income (ytd only)* | 1.8521% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,621 |
| Loan loss allowance to noncurrent loans | 566.1417% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 5,019 |
| Noncurrent loans to loans | 0.2129% | 4,803 |
| Net loans and leases to total assets | 74.6851% | 1,607 |
| Net loans and leases to deposits | 88.6941% | 1,809 |
| Net loans and leases to core deposits | 95.8836% | 1,897 |
| Total domestic deposits to total assets | 84.2053% | 3,339 |
| Equity capital to assets | 12.8989% | 1,508 |
| Core capital (leverage) ratio | 13.2026% | 1,134 |
| Tier 1 risk-based capital ratio | 14.9937% | 3,293 |
| Total risk-based capital ratio | 16.0529% | 3,335 |
| Memoranda: | ||
| Average total assets | $73,986,250 | 5,048 |
| Average earning assets | $67,260,500 | 5,070 |
| Average equity | $9,590,250 | 4,789 |
| Average total loans | $51,970,250 | 4,663 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7693% | 172 |
| Cost of funding earning assets | 0.5204% | 2,066 |
| Net interest margin | 5.2490% | 173 |
| Noninterest income to average assets | 0.7436% | 2,026 |
| Noninterest expense to average assets | 3.5911% | 1,148 |
| Loan and lease loss provision to assets | 0.1714% | 1,219 |
| Net operating income to assets | 1.7776% | 538 |
| Return on assets (ROA) | 1.7776% | 565 |
| Pretax return on assets | 1.7776% | 929 |
| Return on Equity (ROE) | 13.6891% | 963 |
| Retained earnings to average equity (ytd only) | 13.2633% | 284 |
| Net charge-offs to loans | 0.0121% | 3,491 |
| Credit loss provision to net charge-offs | 2,066.6667% | 187 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 298 |
| Efficiency ratio | 64.8204% | 4,222 |
| Assets per employee ($millions) | 3.8787% | 4,114 |
| Cash dividends to net income (ytd only)* | 3.1104% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,091 |
| Loan loss allowance to noncurrent loans | 238.1944% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 4,241 |
| Noncurrent loans to loans | 0.4818% | 4,027 |
| Net loans and leases to total assets | 80.1750% | 779 |
| Net loans and leases to deposits | 92.6983% | 1,289 |
| Net loans and leases to core deposits | 100.1118% | 1,483 |
| Total domestic deposits to total assets | 86.4903% | 2,441 |
| Equity capital to assets | 13.2166% | 1,294 |
| Core capital (leverage) ratio | 13.2129% | 1,087 |
| Tier 1 risk-based capital ratio | 15.5261% | 3,089 |
| Total risk-based capital ratio | 16.6196% | 3,110 |
| Memoranda: | ||
| Average total assets | $72,346,330 | 5,145 |
| Average earning assets | $66,108,330 | 5,153 |
| Average equity | $9,394,330 | 4,859 |
| Average total loans | $49,410,330 | 4,772 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 296 |
| Cost of funding earning assets | 0.5189% | 2,122 |
| Net interest margin | 4.8957% | 301 |
| Noninterest income to average assets | 0.7925% | 1,743 |
| Noninterest expense to average assets | 3.8230% | 854 |
| Loan and lease loss provision to assets | 0.1674% | 1,194 |
| Net operating income to assets | 1.2780% | 1,342 |
| Return on assets (ROA) | 1.2780% | 1,423 |
| Pretax return on assets | 1.2780% | 2,363 |
| Return on Equity (ROE) | 9.9333% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.0658% | 1,174 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5636% | 3,072 |
| Assets per employee ($millions) | 3.7685% | 4,395 |
| Cash dividends to net income (ytd only)* | 8.7336% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 2,863 |
| Loan loss allowance to noncurrent loans | 119.0217% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 3,108 |
| Noncurrent loans to loans | 1.1866% | 2,398 |
| Net loans and leases to total assets | 64.0527% | 3,082 |
| Net loans and leases to deposits | 73.8024% | 3,337 |
| Net loans and leases to core deposits | 78.6227% | 3,316 |
| Total domestic deposits to total assets | 86.7895% | 2,501 |
| Equity capital to assets | 13.0248% | 1,386 |
| Core capital (leverage) ratio | 13.1225% | 1,115 |
| Tier 1 risk-based capital ratio | 17.7991% | 2,200 |
| Total risk-based capital ratio | 19.0473% | 2,158 |
| Memoranda: | ||
| Average total assets | $71,672,000 | 5,208 |
| Average earning assets | $65,527,500 | 5,216 |
| Average equity | $9,221,500 | 4,935 |
| Average total loans | $44,230,000 | 4,977 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 273 |
| Cost of funding earning assets | 0.5386% | 2,302 |
| Net interest margin | 5.0539% | 273 |
| Noninterest income to average assets | 1.4913% | 547 |
| Noninterest expense to average assets | 3.4302% | 1,640 |
| Loan and lease loss provision to assets | 0.1710% | 1,520 |
| Net operating income to assets | 2.5198% | 138 |
| Return on assets (ROA) | 2.5198% | 141 |
| Pretax return on assets | 2.5198% | 179 |
| Return on Equity (ROE) | 20.3370% | 233 |
| Retained earnings to average equity (ytd only) | 8.5364% | 817 |
| Net charge-offs to loans | 0.1000% | 3,079 |
| Credit loss provision to net charge-offs | 267.3913% | 958 |
| Earnings coverage of net charge-offs (x) | 42.0870% | 1,039 |
| Efficiency ratio | 56.0400% | 5,660 |
| Assets per employee ($millions) | 4.4839% | 3,068 |
| Cash dividends to net income (ytd only)* | 58.0254% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 2,508 |
| Loan loss allowance to noncurrent loans | 1,363.0435% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 5,649 |
| Noncurrent loans to loans | 0.1097% | 5,454 |
| Net loans and leases to total assets | 57.5855% | 4,106 |
| Net loans and leases to deposits | 66.0828% | 4,317 |
| Net loans and leases to core deposits | 70.7063% | 4,252 |
| Total domestic deposits to total assets | 87.1414% | 2,199 |
| Equity capital to assets | 12.7080% | 1,534 |
| Core capital (leverage) ratio | 11.8648% | 1,725 |
| Tier 1 risk-based capital ratio | 18.7250% | 1,927 |
| Total risk-based capital ratio | 19.9758% | 1,892 |
| Memoranda: | ||
| Average total assets | $71,949,400 | 5,231 |
| Average earning assets | $65,910,000 | 5,230 |
| Average equity | $8,914,800 | 4,996 |
| Average total loans | $46,007,600 | 4,953 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 212 |
| Cost of funding earning assets | 0.5400% | 2,374 |
| Net interest margin | 5.2079% | 203 |
| Noninterest income to average assets | 1.1203% | 967 |
| Noninterest expense to average assets | 3.2887% | 1,925 |
| Loan and lease loss provision to assets | 0.1833% | 1,335 |
| Net operating income to assets | 2.4166% | 164 |
| Return on assets (ROA) | 2.4166% | 164 |
| Pretax return on assets | 2.4166% | 246 |
| Return on Equity (ROE) | 19.6290% | 303 |
| Retained earnings to average equity (ytd only) | 19.1326% | 81 |
| Net charge-offs to loans | 0.0964% | 2,846 |
| Credit loss provision to net charge-offs | 291.1765% | 928 |
| Earnings coverage of net charge-offs (x) | 41.2961% | 1,102 |
| Efficiency ratio | 55.8491% | 5,672 |
| Assets per employee ($millions) | 5.7574% | 1,521 |
| Cash dividends to net income (ytd only)* | 2.5288% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 4,546 |
| Loan loss allowance to noncurrent loans | 309.0452% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 3,411 |
| Noncurrent loans to loans | 0.3699% | 4,802 |
| Net loans and leases to total assets | 65.9893% | 2,873 |
| Net loans and leases to deposits | 82.8427% | 2,315 |
| Net loans and leases to core deposits | 88.0410% | 2,424 |
| Total domestic deposits to total assets | 79.6561% | 5,183 |
| Equity capital to assets | 11.9461% | 2,104 |
| Core capital (leverage) ratio | 12.5697% | 1,369 |
| Tier 1 risk-based capital ratio | 18.0816% | 2,190 |
| Total risk-based capital ratio | 19.2365% | 2,174 |
| Memoranda: | ||
| Average total assets | $72,001,250 | 5,286 |
| Average earning assets | $65,923,500 | 5,286 |
| Average equity | $8,864,250 | 5,045 |
| Average total loans | $47,024,500 | 4,967 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 261 |
| Cost of funding earning assets | 0.5505% | 2,345 |
| Net interest margin | 5.0520% | 257 |
| Noninterest income to average assets | 1.4465% | 577 |
| Noninterest expense to average assets | 3.4715% | 1,530 |
| Loan and lease loss provision to assets | 0.1851% | 1,325 |
| Net operating income to assets | 2.4359% | 156 |
| Return on assets (ROA) | 2.4359% | 162 |
| Pretax return on assets | 2.4359% | 239 |
| Return on Equity (ROE) | 19.5602% | 311 |
| Retained earnings to average equity (ytd only) | 18.7936% | 102 |
| Net charge-offs to loans | 0.1072% | 2,603 |
| Credit loss provision to net charge-offs | 266.6667% | 943 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,100 |
| Efficiency ratio | 56.9801% | 5,657 |
| Assets per employee ($millions) | 5.2068% | 1,960 |
| Cash dividends to net income (ytd only)* | 3.9192% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,306 |
| Loan loss allowance to noncurrent loans | 209.9644% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 3,030 |
| Noncurrent loans to loans | 0.4802% | 4,559 |
| Net loans and leases to total assets | 79.4622% | 747 |
| Net loans and leases to deposits | 96.4982% | 766 |
| Net loans and leases to core deposits | 103.4505% | 1,054 |
| Total domestic deposits to total assets | 82.3458% | 4,524 |
| Equity capital to assets | 12.5743% | 1,598 |
| Core capital (leverage) ratio | 12.9547% | 1,169 |
| Tier 1 risk-based capital ratio | 15.8743% | 3,156 |
| Total risk-based capital ratio | 16.8961% | 3,215 |
| Memoranda: | ||
| Average total assets | $69,133,670 | 5,418 |
| Average earning assets | $63,579,000 | 5,399 |
| Average equity | $8,609,330 | 5,134 |
| Average total loans | $44,764,330 | 5,087 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 630 |
| Cost of funding earning assets | 0.5594% | 2,350 |
| Net interest margin | 4.5072% | 649 |
| Noninterest income to average assets | 2.4148% | 252 |
| Noninterest expense to average assets | 3.7292% | 1,086 |
| Loan and lease loss provision to assets | 0.1784% | 1,351 |
| Net operating income to assets | 2.6765% | 123 |
| Return on assets (ROA) | 2.6765% | 130 |
| Pretax return on assets | 2.6765% | 184 |
| Return on Equity (ROE) | 21.6060% | 217 |
| Retained earnings to average equity (ytd only) | 21.2219% | 99 |
| Net charge-offs to loans | 0.0422% | 2,792 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 398 |
| Efficiency ratio | 56.6396% | 5,788 |
| Assets per employee ($millions) | 5.0334% | 2,210 |
| Cash dividends to net income (ytd only)* | 1.7778% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 3,735 |
| Loan loss allowance to noncurrent loans | 132.7189% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 2,710 |
| Noncurrent loans to loans | 1.0338% | 3,361 |
| Net loans and leases to total assets | 58.7594% | 3,734 |
| Net loans and leases to deposits | 67.2732% | 3,940 |
| Net loans and leases to core deposits | 72.4033% | 3,830 |
| Total domestic deposits to total assets | 87.3444% | 2,603 |
| Equity capital to assets | 12.4867% | 1,583 |
| Core capital (leverage) ratio | 12.7400% | 1,279 |
| Tier 1 risk-based capital ratio | 16.5816% | 2,854 |
| Total risk-based capital ratio | 17.6670% | 2,912 |
| Memoranda: | ||
| Average total assets | $67,253,000 | 5,522 |
| Average earning assets | $62,211,500 | 5,495 |
| Average equity | $8,331,000 | 5,211 |
| Average total loans | $37,889,500 | 5,394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6618% | 281 |
| Cost of funding earning assets | 0.6488% | 2,213 |
| Net interest margin | 5.0130% | 305 |
| Noninterest income to average assets | 0.5624% | 3,313 |
| Noninterest expense to average assets | 3.0614% | 2,860 |
| Loan and lease loss provision to assets | 0.2038% | 1,824 |
| Net operating income to assets | 1.9448% | 369 |
| Return on assets (ROA) | 1.9448% | 371 |
| Pretax return on assets | 1.9448% | 545 |
| Return on Equity (ROE) | 17.2578% | 483 |
| Retained earnings to average equity (ytd only) | 0.7667% | 5,492 |
| Net charge-offs to loans | 0.0666% | 4,281 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 52.7200% | 766 |
| Efficiency ratio | 58.7610% | 5,642 |
| Assets per employee ($millions) | 4.5742% | 2,770 |
| Cash dividends to net income (ytd only)* | 95.5574% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,655 |
| Loan loss allowance to noncurrent loans | 211.5385% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 3,063 |
| Noncurrent loans to loans | 0.7693% | 4,041 |
| Net loans and leases to total assets | 51.9168% | 4,867 |
| Net loans and leases to deposits | 59.2543% | 5,009 |
| Net loans and leases to core deposits | 64.1896% | 4,850 |
| Total domestic deposits to total assets | 87.6169% | 2,411 |
| Equity capital to assets | 12.2785% | 1,633 |
| Core capital (leverage) ratio | 11.7833% | 1,771 |
| Tier 1 risk-based capital ratio | 20.3189% | 1,580 |
| Total risk-based capital ratio | 21.5722% | 1,547 |
| Memoranda: | ||
| Average total assets | $61,344,400 | 5,720 |
| Average earning assets | $56,872,000 | 5,683 |
| Average equity | $6,912,800 | 5,593 |
| Average total loans | $37,517,000 | 5,445 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9853% | 184 |
| Cost of funding earning assets | 0.6595% | 2,269 |
| Net interest margin | 5.3258% | 185 |
| Noninterest income to average assets | 0.5560% | 3,419 |
| Noninterest expense to average assets | 2.8349% | 3,543 |
| Loan and lease loss provision to assets | 0.2022% | 1,795 |
| Net operating income to assets | 2.4525% | 181 |
| Return on assets (ROA) | 2.4525% | 188 |
| Pretax return on assets | 2.4525% | 255 |
| Return on Equity (ROE) | 22.2907% | 196 |
| Retained earnings to average equity (ytd only) | 22.1909% | 65 |
| Net charge-offs to loans | 0.0763% | 3,853 |
| Credit loss provision to net charge-offs | 418.1818% | 641 |
| Earnings coverage of net charge-offs (x) | 54.9141% | 806 |
| Efficiency ratio | 51.6413% | 6,281 |
| Assets per employee ($millions) | 5.5736% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.4483% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 4,511 |
| Loan loss allowance to noncurrent loans | 70.8447% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8405% | 2,216 |
| Noncurrent loans to loans | 1.8039% | 2,491 |
| Net loans and leases to total assets | 60.0601% | 3,686 |
| Net loans and leases to deposits | 72.2040% | 3,484 |
| Net loans and leases to core deposits | 77.5049% | 3,423 |
| Total domestic deposits to total assets | 83.1811% | 4,507 |
| Equity capital to assets | 13.3382% | 1,189 |
| Core capital (leverage) ratio | 13.7680% | 932 |
| Tier 1 risk-based capital ratio | 22.3932% | 1,249 |
| Total risk-based capital ratio | 23.6433% | 1,224 |
| Memoranda: | ||
| Average total assets | $60,670,750 | 5,802 |
| Average earning assets | $56,203,250 | 5,757 |
| Average equity | $6,675,250 | 5,724 |
| Average total loans | $38,447,000 | 5,463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0726% | 161 |
| Cost of funding earning assets | 0.6605% | 2,397 |
| Net interest margin | 5.4121% | 157 |
| Noninterest income to average assets | 0.5461% | 3,529 |
| Noninterest expense to average assets | 2.8669% | 3,449 |
| Loan and lease loss provision to assets | 0.1877% | 2,013 |
| Net operating income to assets | 2.5256% | 163 |
| Return on assets (ROA) | 2.5256% | 177 |
| Pretax return on assets | 2.5256% | 265 |
| Return on Equity (ROE) | 24.9719% | 126 |
| Retained earnings to average equity (ytd only) | 24.8031% | 54 |
| Net charge-offs to loans | 0.0265% | 4,325 |
| Credit loss provision to net charge-offs | 1,100.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 311 |
| Efficiency ratio | 51.3761% | 6,319 |
| Assets per employee ($millions) | 5.6513% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.6757% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 5,577 |
| Loan loss allowance to noncurrent loans | 87.8735% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7164% | 2,539 |
| Noncurrent loans to loans | 1.2065% | 3,539 |
| Net loans and leases to total assets | 75.0643% | 1,096 |
| Net loans and leases to deposits | 87.8528% | 1,355 |
| Net loans and leases to core deposits | 94.6185% | 1,468 |
| Total domestic deposits to total assets | 85.4433% | 3,671 |
| Equity capital to assets | 10.1538% | 3,721 |
| Core capital (leverage) ratio | 10.6492% | 2,720 |
| Tier 1 risk-based capital ratio | 14.3477% | 4,195 |
| Total risk-based capital ratio | 15.4843% | 4,223 |
| Memoranda: | ||
| Average total assets | $58,600,000 | 5,891 |
| Average earning assets | $54,507,000 | 5,846 |
| Average equity | $5,926,670 | 5,951 |
| Average total loans | $37,699,330 | 5,518 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7981% | 233 |
| Cost of funding earning assets | 0.6543% | 2,619 |
| Net interest margin | 5.1439% | 214 |
| Noninterest income to average assets | 0.5069% | 3,727 |
| Noninterest expense to average assets | 2.9568% | 3,138 |
| Loan and lease loss provision to assets | 0.1549% | 2,318 |
| Net operating income to assets | 2.2106% | 238 |
| Return on assets (ROA) | 2.2106% | 262 |
| Pretax return on assets | 2.2106% | 412 |
| Return on Equity (ROE) | 21.9044% | 203 |
| Retained earnings to average equity (ytd only) | 21.9044% | 102 |
| Net charge-offs to loans | 0.0243% | 3,690 |
| Credit loss provision to net charge-offs | 1,100.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 241 |
| Efficiency ratio | 55.5556% | 6,101 |
| Assets per employee ($millions) | 5.1223% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,601 |
| Loan loss allowance to noncurrent loans | 412.2807% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 3,753 |
| Noncurrent loans to loans | 0.3198% | 5,596 |
| Net loans and leases to total assets | 62.4314% | 2,979 |
| Net loans and leases to deposits | 69.8608% | 3,503 |
| Net loans and leases to core deposits | 74.2773% | 3,544 |
| Total domestic deposits to total assets | 89.3655% | 1,447 |
| Equity capital to assets | 10.4552% | 3,592 |
| Core capital (leverage) ratio | 10.3398% | 2,982 |
| Tier 1 risk-based capital ratio | 15.6930% | 3,428 |
| Total risk-based capital ratio | 16.9424% | 3,395 |
| Memoranda: | ||
| Average total assets | $56,818,000 | 6,002 |
| Average earning assets | $53,189,500 | 5,933 |
| Average equity | $5,734,000 | 6,042 |
| Average total loans | $32,967,500 | 5,754 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 702 |
| Cost of funding earning assets | 0.7002% | 3,492 |
| Net interest margin | 4.7371% | 609 |
| Noninterest income to average assets | 0.6075% | 3,241 |
| Noninterest expense to average assets | 2.9670% | 3,398 |
| Loan and lease loss provision to assets | 0.1371% | 3,909 |
| Net operating income to assets | 1.9391% | 402 |
| Return on assets (ROA) | 1.9391% | 439 |
| Pretax return on assets | 1.9391% | 684 |
| Return on Equity (ROE) | 18.9304% | 365 |
| Retained earnings to average equity (ytd only) | 9.1307% | 785 |
| Net charge-offs to loans | 0.0160% | 5,689 |
| Credit loss provision to net charge-offs | 1,480.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 224.2000% | 189 |
| Efficiency ratio | 58.8322% | 5,720 |
| Assets per employee ($millions) | 5.2083% | 1,976 |
| Cash dividends to net income (ytd only)* | 51.7670% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 3,807 |
| Loan loss allowance to noncurrent loans | 398.2301% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 3,879 |
| Noncurrent loans to loans | 0.3731% | 5,561 |
| Net loans and leases to total assets | 52.0815% | 4,914 |
| Net loans and leases to deposits | 57.7651% | 5,268 |
| Net loans and leases to core deposits | 60.3288% | 5,334 |
| Total domestic deposits to total assets | 90.1608% | 871 |
| Equity capital to assets | 9.7345% | 4,550 |
| Core capital (leverage) ratio | 9.4278% | 4,213 |
| Tier 1 risk-based capital ratio | 16.1194% | 3,090 |
| Total risk-based capital ratio | 17.3709% | 3,046 |
| Memoranda: | ||
| Average total assets | $53,993,600 | 6,090 |
| Average earning assets | $50,558,400 | 6,029 |
| Average equity | $5,530,800 | 6,133 |
| Average total loans | $31,160,200 | 5,889 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8230% | 388 |
| Cost of funding earning assets | 0.7101% | 3,678 |
| Net interest margin | 5.1129% | 331 |
| Noninterest income to average assets | 0.6169% | 3,173 |
| Noninterest expense to average assets | 3.0418% | 3,088 |
| Loan and lease loss provision to assets | 0.1053% | 4,255 |
| Net operating income to assets | 2.2544% | 260 |
| Return on assets (ROA) | 2.2544% | 287 |
| Pretax return on assets | 2.2544% | 438 |
| Return on Equity (ROE) | 21.7174% | 252 |
| Retained earnings to average equity (ytd only) | 21.7174% | 67 |
| Net charge-offs to loans | 0.0127% | 5,524 |
| Credit loss provision to net charge-offs | 1,400.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 313.6600% | 149 |
| Efficiency ratio | 56.3138% | 6,018 |
| Assets per employee ($millions) | 5.1770% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,430 |
| Loan loss allowance to noncurrent loans | 272.7273% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 5,864 |
| Noncurrent loans to loans | 0.5089% | 5,424 |
| Net loans and leases to total assets | 52.4066% | 4,992 |
| Net loans and leases to deposits | 58.7735% | 5,342 |
| Net loans and leases to core deposits | 61.4833% | 5,408 |
| Total domestic deposits to total assets | 89.1671% | 1,329 |
| Equity capital to assets | 10.4852% | 3,862 |
| Core capital (leverage) ratio | 10.8700% | 2,521 |
| Tier 1 risk-based capital ratio | 19.4736% | 1,886 |
| Total risk-based capital ratio | 20.7260% | 1,859 |
| Memoranda: | ||
| Average total assets | $53,169,250 | 6,183 |
| Average earning assets | $49,755,750 | 6,126 |
| Average equity | $5,519,250 | 6,210 |
| Average total loans | $31,378,250 | 5,959 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0479% | 276 |
| Cost of funding earning assets | 0.7261% | 3,799 |
| Net interest margin | 5.3218% | 237 |
| Noninterest income to average assets | 0.6087% | 3,203 |
| Noninterest expense to average assets | 3.1208% | 2,855 |
| Loan and lease loss provision to assets | 0.0039% | 5,597 |
| Net operating income to assets | 2.4542% | 189 |
| Return on assets (ROA) | 2.4542% | 216 |
| Pretax return on assets | 2.4542% | 317 |
| Return on Equity (ROE) | 23.7303% | 187 |
| Retained earnings to average equity (ytd only) | 23.7303% | 64 |
| Net charge-offs to loans | 0.0063% | 5,400 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 638.0000% | 53 |
| Efficiency ratio | 55.9392% | 6,121 |
| Assets per employee ($millions) | 4.8771% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 6,246 |
| Loan loss allowance to noncurrent loans | 257.4324% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 5,910 |
| Noncurrent loans to loans | 0.3789% | 5,779 |
| Net loans and leases to total assets | 72.0903% | 1,541 |
| Net loans and leases to deposits | 80.9304% | 2,239 |
| Net loans and leases to core deposits | 84.8936% | 2,576 |
| Total domestic deposits to total assets | 89.0769% | 1,461 |
| Equity capital to assets | 10.6416% | 3,523 |
| Core capital (leverage) ratio | 10.5464% | 2,759 |
| Tier 1 risk-based capital ratio | 16.9845% | 2,669 |
| Total risk-based capital ratio | 18.1180% | 2,690 |
| Memoranda: | ||
| Average total assets | $51,910,000 | 6,264 |
| Average earning assets | $48,479,670 | 6,218 |
| Average equity | $5,368,670 | 6,278 |
| Average total loans | $31,749,670 | 5,977 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 627 |
| Cost of funding earning assets | 0.7164% | 4,141 |
| Net interest margin | 4.8815% | 486 |
| Noninterest income to average assets | 0.6034% | 3,214 |
| Noninterest expense to average assets | 3.2131% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9827% | 433 |
| Return on assets (ROA) | 1.9827% | 496 |
| Pretax return on assets | 1.9827% | 759 |
| Return on Equity (ROE) | 19.4672% | 412 |
| Retained earnings to average equity (ytd only) | 19.4672% | 203 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8401% | 5,300 |
| Assets per employee ($millions) | 4.7777% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 5,281 |
| Loan loss allowance to noncurrent loans | 270.2128% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,036 |
| Noncurrent loans to loans | 0.4608% | 5,759 |
| Net loans and leases to total assets | 57.4979% | 4,131 |
| Net loans and leases to deposits | 64.1231% | 4,617 |
| Net loans and leases to core deposits | 67.2992% | 4,759 |
| Total domestic deposits to total assets | 89.6680% | 1,258 |
| Equity capital to assets | 10.1322% | 3,940 |
| Core capital (leverage) ratio | 10.4106% | 2,863 |
| Tier 1 risk-based capital ratio | 16.1178% | 3,112 |
| Total risk-based capital ratio | 17.2710% | 3,132 |
| Memoranda: | ||
| Average total assets | $51,041,000 | 6,337 |
| Average earning assets | $48,018,500 | 6,275 |
| Average equity | $5,198,500 | 6,367 |
| Average total loans | $28,096,500 | 6,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 874 |
| Cost of funding earning assets | 0.7207% | 5,402 |
| Net interest margin | 4.9268% | 481 |
| Noninterest income to average assets | 0.7378% | 2,402 |
| Noninterest expense to average assets | 3.2003% | 2,868 |
| Loan and lease loss provision to assets | 0.0089% | 6,427 |
| Net operating income to assets | 2.1624% | 241 |
| Return on assets (ROA) | 2.1624% | 256 |
| Pretax return on assets | 2.1624% | 393 |
| Return on Equity (ROE) | 19.3547% | 292 |
| Retained earnings to average equity (ytd only) | 9.1303% | 767 |
| Net charge-offs to loans | 0.5013% | 2,986 |
| Credit loss provision to net charge-offs | 2.9197% | 6,055 |
| Earnings coverage of net charge-offs (x) | 7.1314% | 2,391 |
| Efficiency ratio | 59.5780% | 5,820 |
| Assets per employee ($millions) | 4.5025% | 2,907 |
| Cash dividends to net income (ytd only)* | 52.8263% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,078 |
| Loan loss allowance to noncurrent loans | 259.1837% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 6,044 |
| Noncurrent loans to loans | 0.5744% | 5,565 |
| Net loans and leases to total assets | 50.9076% | 5,478 |
| Net loans and leases to deposits | 56.7873% | 5,817 |
| Net loans and leases to core deposits | 60.5107% | 5,795 |
| Total domestic deposits to total assets | 89.6461% | 1,178 |
| Equity capital to assets | 10.2409% | 3,863 |
| Core capital (leverage) ratio | 10.0629% | 3,265 |
| Tier 1 risk-based capital ratio | 18.7796% | 1,962 |
| Total risk-based capital ratio | 20.0311% | 1,922 |
| Memoranda: | ||
| Average total assets | $44,995,600 | 6,508 |
| Average earning assets | $42,319,600 | 6,453 |
| Average equity | $5,027,200 | 6,440 |
| Average total loans | $27,329,400 | 6,275 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0647% | 413 |
| Cost of funding earning assets | 0.7120% | 5,687 |
| Net interest margin | 5.3527% | 224 |
| Noninterest income to average assets | 0.7782% | 2,154 |
| Noninterest expense to average assets | 3.1826% | 2,874 |
| Loan and lease loss provision to assets | 0.0122% | 6,283 |
| Net operating income to assets | 2.6111% | 131 |
| Return on assets (ROA) | 2.6111% | 138 |
| Pretax return on assets | 2.6111% | 202 |
| Return on Equity (ROE) | 22.8329% | 191 |
| Retained earnings to average equity (ytd only) | 22.8329% | 47 |
| Net charge-offs to loans | 0.0624% | 5,343 |
| Credit loss provision to net charge-offs | 30.7692% | 5,403 |
| Earnings coverage of net charge-offs (x) | 66.3958% | 495 |
| Efficiency ratio | 54.8168% | 6,407 |
| Assets per employee ($millions) | 4.9803% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,908 |
| Loan loss allowance to noncurrent loans | 272.9730% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 5,969 |
| Noncurrent loans to loans | 0.6632% | 5,560 |
| Net loans and leases to total assets | 54.9967% | 4,998 |
| Net loans and leases to deposits | 65.4027% | 4,989 |
| Net loans and leases to core deposits | 69.5019% | 5,008 |
| Total domestic deposits to total assets | 84.0893% | 4,187 |
| Equity capital to assets | 10.9873% | 3,160 |
| Core capital (leverage) ratio | 11.7131% | 1,879 |
| Tier 1 risk-based capital ratio | 19.8505% | 1,722 |
| Total risk-based capital ratio | 21.1057% | 1,694 |
| Memoranda: | ||
| Average total assets | $43,862,750 | 6,599 |
| Average earning assets | $41,199,250 | 6,538 |
| Average equity | $5,016,000 | 6,496 |
| Average total loans | $27,763,250 | 6,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2075% | 328 |
| Cost of funding earning assets | 0.7157% | 5,866 |
| Net interest margin | 5.4918% | 182 |
| Noninterest income to average assets | 0.7736% | 2,141 |
| Noninterest expense to average assets | 3.3331% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.6073% | 147 |
| Return on assets (ROA) | 2.6073% | 153 |
| Pretax return on assets | 2.6073% | 215 |
| Return on Equity (ROE) | 22.4507% | 217 |
| Retained earnings to average equity (ytd only) | 22.4507% | 70 |
| Net charge-offs to loans | 0.0649% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 538 |
| Efficiency ratio | 56.1093% | 6,413 |
| Assets per employee ($millions) | 4.8656% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,264 |
| Loan loss allowance to noncurrent loans | 348.2759% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 6,094 |
| Noncurrent loans to loans | 0.4216% | 6,060 |
| Net loans and leases to total assets | 77.3898% | 860 |
| Net loans and leases to deposits | 88.0554% | 1,491 |
| Net loans and leases to core deposits | 91.8874% | 2,152 |
| Total domestic deposits to total assets | 87.8876% | 2,220 |
| Equity capital to assets | 11.7812% | 2,261 |
| Core capital (leverage) ratio | 11.9698% | 1,611 |
| Tier 1 risk-based capital ratio | 17.6503% | 2,289 |
| Total risk-based capital ratio | 18.9059% | 2,256 |
| Memoranda: | ||
| Average total assets | $41,882,670 | 6,723 |
| Average earning assets | $39,404,000 | 6,664 |
| Average equity | $4,864,000 | 6,573 |
| Average total loans | $27,719,330 | 6,380 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8734% | 636 |
| Cost of funding earning assets | 0.7173% | 6,039 |
| Net interest margin | 5.1561% | 276 |
| Noninterest income to average assets | 0.6255% | 3,001 |
| Noninterest expense to average assets | 3.4499% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0230% | 340 |
| Return on assets (ROA) | 2.0230% | 357 |
| Pretax return on assets | 2.0230% | 539 |
| Return on Equity (ROE) | 17.5554% | 518 |
| Retained earnings to average equity (ytd only) | 17.5554% | 256 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0357% | 5,521 |
| Assets per employee ($millions) | 4.6162% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 2,211 |
| Loan loss allowance to noncurrent loans | 266.3212% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 5,857 |
| Noncurrent loans to loans | 0.7848% | 5,467 |
| Net loans and leases to total assets | 57.9526% | 4,655 |
| Net loans and leases to deposits | 65.7195% | 5,014 |
| Net loans and leases to core deposits | 67.9469% | 5,296 |
| Total domestic deposits to total assets | 88.1818% | 2,270 |
| Equity capital to assets | 11.6016% | 2,193 |
| Core capital (leverage) ratio | 11.8233% | 1,662 |
| Tier 1 risk-based capital ratio | 17.3331% | 2,364 |
| Total risk-based capital ratio | 18.5882% | 2,338 |
| Memoranda: | ||
| Average total assets | $40,929,000 | 6,801 |
| Average earning assets | $38,478,500 | 6,743 |
| Average equity | $4,716,500 | 6,646 |
| Average total loans | $24,382,000 | 6,621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1935% | 573 |
| Cost of funding earning assets | 0.7847% | 6,630 |
| Net interest margin | 5.4088% | 198 |
| Noninterest income to average assets | 0.7680% | 2,441 |
| Noninterest expense to average assets | 3.3542% | 2,573 |
| Loan and lease loss provision to assets | 0.1780% | 5,441 |
| Net operating income to assets | 2.3014% | 157 |
| Return on assets (ROA) | 2.3014% | 163 |
| Pretax return on assets | 2.3014% | 252 |
| Return on Equity (ROE) | 19.9541% | 255 |
| Retained earnings to average equity (ytd only) | 8.7975% | 753 |
| Net charge-offs to loans | 0.1114% | 5,762 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 34.8214% | 654 |
| Efficiency ratio | 57.4978% | 6,396 |
| Assets per employee ($millions) | 4.0312% | 3,714 |
| Cash dividends to net income (ytd only)* | 55.9116% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 2,013 |
| Loan loss allowance to noncurrent loans | 173.0640% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 5,335 |
| Noncurrent loans to loans | 1.2286% | 4,676 |
| Net loans and leases to total assets | 58.6897% | 4,921 |
| Net loans and leases to deposits | 66.3796% | 5,354 |
| Net loans and leases to core deposits | 68.9646% | 5,558 |
| Total domestic deposits to total assets | 88.4154% | 2,007 |
| Equity capital to assets | 11.4432% | 2,311 |
| Core capital (leverage) ratio | 11.2757% | 1,966 |
| Tier 1 risk-based capital ratio | 20.5901% | 1,384 |
| Total risk-based capital ratio | 21.8532% | 1,367 |
| Memoranda: | ||
| Average total assets | $39,324,200 | 6,886 |
| Average earning assets | $36,829,000 | 6,844 |
| Average equity | $4,535,400 | 6,803 |
| Average total loans | $25,136,600 | 6,666 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5057% | 338 |
| Cost of funding earning assets | 0.8109% | 6,727 |
| Net interest margin | 5.6948% | 134 |
| Noninterest income to average assets | 0.7677% | 2,401 |
| Noninterest expense to average assets | 3.4256% | 2,218 |
| Loan and lease loss provision to assets | 0.2388% | 4,689 |
| Net operating income to assets | 2.4225% | 160 |
| Return on assets (ROA) | 2.4225% | 164 |
| Pretax return on assets | 2.4225% | 262 |
| Return on Equity (ROE) | 20.9619% | 258 |
| Retained earnings to average equity (ytd only) | 20.2239% | 77 |
| Net charge-offs to loans | 0.1681% | 4,964 |
| Credit loss provision to net charge-offs | 218.7500% | 1,581 |
| Earnings coverage of net charge-offs (x) | 24.3724% | 1,031 |
| Efficiency ratio | 56.2780% | 6,515 |
| Assets per employee ($millions) | 4.1433% | 3,559 |
| Cash dividends to net income (ytd only)* | 3.5209% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 2,865 |
| Loan loss allowance to noncurrent loans | 1,062.5000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 6,841 |
| Noncurrent loans to loans | 0.1672% | 6,852 |
| Net loans and leases to total assets | 68.0593% | 3,199 |
| Net loans and leases to deposits | 80.9711% | 3,271 |
| Net loans and leases to core deposits | 83.9681% | 3,941 |
| Total domestic deposits to total assets | 84.0538% | 4,104 |
| Equity capital to assets | 11.8239% | 2,269 |
| Core capital (leverage) ratio | 11.7821% | 1,772 |
| Tier 1 risk-based capital ratio | 20.8388% | 1,389 |
| Total risk-based capital ratio | 22.0979% | 1,367 |
| Memoranda: | ||
| Average total assets | $39,077,250 | 6,984 |
| Average earning assets | $36,500,250 | 6,940 |
| Average equity | $4,516,000 | 6,899 |
| Average total loans | $25,377,500 | 6,736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3824% | 427 |
| Cost of funding earning assets | 0.8376% | 6,797 |
| Net interest margin | 5.5449% | 156 |
| Noninterest income to average assets | 0.8043% | 2,092 |
| Noninterest expense to average assets | 3.4942% | 2,043 |
| Loan and lease loss provision to assets | 0.2612% | 4,313 |
| Net operating income to assets | 2.2355% | 215 |
| Return on assets (ROA) | 2.2355% | 236 |
| Pretax return on assets | 2.2355% | 384 |
| Return on Equity (ROE) | 19.5063% | 356 |
| Retained earnings to average equity (ytd only) | 18.3669% | 119 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3261% | 6,332 |
| Assets per employee ($millions) | 4.0272% | 3,721 |
| Cash dividends to net income (ytd only)* | 5.8411% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,295 |
| Loan loss allowance to noncurrent loans | 149.1429% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 5,282 |
| Noncurrent loans to loans | 1.0985% | 5,122 |
| Net loans and leases to total assets | 77.8183% | 1,142 |
| Net loans and leases to deposits | 88.2640% | 2,132 |
| Net loans and leases to core deposits | 91.4607% | 3,064 |
| Total domestic deposits to total assets | 88.1655% | 1,913 |
| Equity capital to assets | 11.4645% | 2,474 |
| Core capital (leverage) ratio | 11.8601% | 1,728 |
| Tier 1 risk-based capital ratio | 17.2714% | 2,179 |
| Total risk-based capital ratio | 18.5284% | 2,140 |
| Memoranda: | ||
| Average total assets | $38,292,000 | 7,062 |
| Average earning assets | $35,817,000 | 7,010 |
| Average equity | $4,388,330 | 6,983 |
| Average total loans | $24,267,000 | 6,845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6871% | 1,821 |
| Cost of funding earning assets | 0.8811% | 6,840 |
| Net interest margin | 4.8060% | 635 |
| Noninterest income to average assets | 0.7185% | 2,480 |
| Noninterest expense to average assets | 3.5065% | 1,965 |
| Loan and lease loss provision to assets | 0.1608% | 4,919 |
| Net operating income to assets | 1.5549% | 813 |
| Return on assets (ROA) | 1.5549% | 874 |
| Pretax return on assets | 1.5549% | 1,381 |
| Return on Equity (ROE) | 13.5704% | 1,131 |
| Retained earnings to average equity (ytd only) | 11.2307% | 875 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1458% | 4,887 |
| Assets per employee ($millions) | 3.8048% | 4,300 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2420% | 1,673 |
| Loan loss allowance to noncurrent loans | 161.7940% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 5,454 |
| Noncurrent loans to loans | 1.3857% | 4,657 |
| Net loans and leases to total assets | 55.8111% | 5,772 |
| Net loans and leases to deposits | 63.1581% | 6,153 |
| Net loans and leases to core deposits | 65.4593% | 6,329 |
| Total domestic deposits to total assets | 88.3673% | 1,868 |
| Equity capital to assets | 11.3909% | 2,435 |
| Core capital (leverage) ratio | 11.9069% | 1,689 |
| Tier 1 risk-based capital ratio | 17.5295% | 2,070 |
| Total risk-based capital ratio | 18.7874% | 2,039 |
| Memoranda: | ||
| Average total assets | $37,302,000 | 7,186 |
| Average earning assets | $34,956,000 | 7,129 |
| Average equity | $4,274,000 | 7,086 |
| Average total loans | $20,470,000 | 7,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3726% | 882 |
| Cost of funding earning assets | 1.3100% | 6,274 |
| Net interest margin | 5.0626% | 401 |
| Noninterest income to average assets | 0.8788% | 2,032 |
| Noninterest expense to average assets | 3.5708% | 2,218 |
| Loan and lease loss provision to assets | 0.3521% | 4,693 |
| Net operating income to assets | 1.7022% | 437 |
| Return on assets (ROA) | 1.7022% | 465 |
| Pretax return on assets | 1.7022% | 774 |
| Return on Equity (ROE) | 14.3485% | 729 |
| Retained earnings to average equity (ytd only) | 4.2765% | 2,231 |
| Net charge-offs to loans | 0.2488% | 5,069 |
| Credit loss provision to net charge-offs | 230.9091% | 1,586 |
| Earnings coverage of net charge-offs (x) | 13.4727% | 1,427 |
| Efficiency ratio | 63.4795% | 5,874 |
| Assets per employee ($millions) | 3.3233% | 5,448 |
| Cash dividends to net income (ytd only)* | 70.1954% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4612% | 1,274 |
| Loan loss allowance to noncurrent loans | 134.7578% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 5,061 |
| Noncurrent loans to loans | 1.8264% | 3,887 |
| Net loans and leases to total assets | 51.2775% | 6,501 |
| Net loans and leases to deposits | 58.0754% | 6,779 |
| Net loans and leases to core deposits | 73.2141% | 6,579 |
| Total domestic deposits to total assets | 88.2947% | 1,823 |
| Equity capital to assets | 11.5275% | 2,301 |
| Core capital (leverage) ratio | 11.3545% | 2,004 |
| Tier 1 risk-based capital ratio | 21.1887% | 1,263 |
| Total risk-based capital ratio | 22.4507% | 1,234 |
| Memoranda: | ||
| Average total assets | $36,070,800 | 7,243 |
| Average earning assets | $33,816,800 | 7,196 |
| Average equity | $4,279,200 | 7,180 |
| Average total loans | $22,109,800 | 7,082 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7948% | 422 |
| Cost of funding earning assets | 1.3811% | 6,301 |
| Net interest margin | 5.4137% | 209 |
| Noninterest income to average assets | 0.8975% | 1,991 |
| Noninterest expense to average assets | 3.6124% | 2,008 |
| Loan and lease loss provision to assets | 0.3561% | 4,189 |
| Net operating income to assets | 2.0028% | 293 |
| Return on assets (ROA) | 2.0028% | 313 |
| Pretax return on assets | 2.0028% | 534 |
| Return on Equity (ROE) | 16.7613% | 571 |
| Retained earnings to average equity (ytd only) | 16.7613% | 110 |
| Net charge-offs to loans | 0.3153% | 4,070 |
| Credit loss provision to net charge-offs | 177.7778% | 2,593 |
| Earnings coverage of net charge-offs (x) | 11.7775% | 1,826 |
| Efficiency ratio | 60.4969% | 6,348 |
| Assets per employee ($millions) | 3.3070% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,343 |
| Loan loss allowance to noncurrent loans | 79.5332% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 3,963 |
| Noncurrent loans to loans | 2.2383% | 3,335 |
| Net loans and leases to total assets | 67.1908% | 4,135 |
| Net loans and leases to deposits | 77.3187% | 4,843 |
| Net loans and leases to core deposits | 97.3513% | 4,676 |
| Total domestic deposits to total assets | 86.9011% | 2,231 |
| Equity capital to assets | 12.5656% | 1,906 |
| Core capital (leverage) ratio | 12.7842% | 1,452 |
| Tier 1 risk-based capital ratio | 21.2318% | 1,340 |
| Total risk-based capital ratio | 22.4906% | 1,318 |
| Memoranda: | ||
| Average total assets | $35,949,500 | 7,310 |
| Average earning assets | $33,691,500 | 7,263 |
| Average equity | $4,295,500 | 7,249 |
| Average total loans | $22,832,750 | 7,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9626% | 343 |
| Cost of funding earning assets | 1.4677% | 6,269 |
| Net interest margin | 5.4949% | 181 |
| Noninterest income to average assets | 0.9272% | 1,863 |
| Noninterest expense to average assets | 3.6753% | 1,888 |
| Loan and lease loss provision to assets | 0.3463% | 3,850 |
| Net operating income to assets | 2.0499% | 265 |
| Return on assets (ROA) | 2.0499% | 286 |
| Pretax return on assets | 2.0499% | 495 |
| Return on Equity (ROE) | 17.4609% | 536 |
| Retained earnings to average equity (ytd only) | 17.4609% | 122 |
| Net charge-offs to loans | 0.1896% | 4,365 |
| Credit loss provision to net charge-offs | 295.2381% | 1,582 |
| Earnings coverage of net charge-offs (x) | 20.4286% | 1,313 |
| Efficiency ratio | 60.5336% | 6,464 |
| Assets per employee ($millions) | 3.2286% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 2,643 |
| Loan loss allowance to noncurrent loans | 53.0612% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 2,688 |
| Noncurrent loans to loans | 3.0581% | 2,350 |
| Net loans and leases to total assets | 75.4526% | 2,329 |
| Net loans and leases to deposits | 88.0843% | 3,156 |
| Net loans and leases to core deposits | 110.4393% | 3,335 |
| Total domestic deposits to total assets | 85.6596% | 2,935 |
| Equity capital to assets | 12.3807% | 1,986 |
| Core capital (leverage) ratio | 12.2862% | 1,703 |
| Tier 1 risk-based capital ratio | 19.1699% | 1,748 |
| Total risk-based capital ratio | 20.3122% | 1,718 |
| Memoranda: | ||
| Average total assets | $35,807,000 | 7,381 |
| Average earning assets | $33,522,000 | 7,339 |
| Average equity | $4,203,670 | 7,339 |
| Average total loans | $22,148,670 | 7,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9040% | 403 |
| Cost of funding earning assets | 1.5978% | 6,037 |
| Net interest margin | 5.3061% | 229 |
| Noninterest income to average assets | 0.7232% | 2,743 |
| Noninterest expense to average assets | 3.6492% | 1,754 |
| Loan and lease loss provision to assets | 0.3338% | 3,321 |
| Net operating income to assets | 1.6911% | 659 |
| Return on assets (ROA) | 1.6911% | 725 |
| Pretax return on assets | 1.6911% | 1,197 |
| Return on Equity (ROE) | 14.8040% | 1,014 |
| Retained earnings to average equity (ytd only) | 14.8040% | 437 |
| Net charge-offs to loans | 0.2244% | 3,297 |
| Credit loss provision to net charge-offs | 272.7273% | 1,749 |
| Earnings coverage of net charge-offs (x) | 16.5455% | 1,547 |
| Efficiency ratio | 64.3137% | 5,630 |
| Assets per employee ($millions) | 3.6494% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 1,542 |
| Loan loss allowance to noncurrent loans | 124.6291% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,107 |
| Noncurrent loans to loans | 1.5559% | 3,947 |
| Net loans and leases to total assets | 58.2013% | 5,910 |
| Net loans and leases to deposits | 66.4685% | 6,335 |
| Net loans and leases to core deposits | 86.1803% | 5,886 |
| Total domestic deposits to total assets | 87.5623% | 1,943 |
| Equity capital to assets | 11.4622% | 2,613 |
| Core capital (leverage) ratio | 11.8673% | 1,964 |
| Tier 1 risk-based capital ratio | 17.5439% | 2,174 |
| Total risk-based capital ratio | 18.8022% | 2,111 |
| Memoranda: | ||
| Average total assets | $35,953,000 | 7,417 |
| Average earning assets | $33,546,000 | 7,378 |
| Average equity | $4,107,000 | 7,412 |
| Average total loans | $19,603,500 | 7,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3326% | 557 |
| Cost of funding earning assets | 2.4721% | 4,354 |
| Net interest margin | 4.8605% | 688 |
| Noninterest income to average assets | 0.8277% | 2,365 |
| Noninterest expense to average assets | 3.5162% | 2,351 |
| Loan and lease loss provision to assets | 0.2569% | 4,348 |
| Net operating income to assets | 1.5326% | 954 |
| Return on assets (ROA) | 1.5326% | 924 |
| Pretax return on assets | 1.5326% | 1,587 |
| Return on Equity (ROE) | 12.9479% | 1,338 |
| Retained earnings to average equity (ytd only) | 2.5558% | 3,607 |
| Net charge-offs to loans | 0.0844% | 5,557 |
| Credit loss provision to net charge-offs | 529.4118% | 823 |
| Earnings coverage of net charge-offs (x) | 36.8824% | 1,001 |
| Efficiency ratio | 66.2722% | 5,070 |
| Assets per employee ($millions) | 3.5412% | 4,566 |
| Cash dividends to net income (ytd only)* | 80.2607% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2853% | 872 |
| Loan loss allowance to noncurrent loans | 37.4766% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 3.4084% | 1,311 |
| Noncurrent loans to loans | 6.0979% | 575 |
| Net loans and leases to total assets | 48.4186% | 7,158 |
| Net loans and leases to deposits | 54.7883% | 7,393 |
| Net loans and leases to core deposits | 72.5327% | 7,041 |
| Total domestic deposits to total assets | 88.3740% | 1,303 |
| Equity capital to assets | 11.3831% | 2,716 |
| Core capital (leverage) ratio | 11.2019% | 2,427 |
| Tier 1 risk-based capital ratio | 21.8400% | 1,336 |
| Total risk-based capital ratio | 23.1023% | 1,299 |
| Memoranda: | ||
| Average total assets | $35,038,000 | 7,422 |
| Average earning assets | $32,280,600 | 7,396 |
| Average equity | $4,147,400 | 7,452 |
| Average total loans | $20,148,600 | 7,327 |