Home > Stockmens National Bank in Cotulla > Performance and Condition Ratios
Stockmens National Bank in Cotulla, 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 | 3.7786% | 4,202 |
| Cost of funding earning assets | 0.6441% | 4,008 |
| Net interest margin | 3.1345% | 3,019 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 1.7673% | 4,044 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.1632% | 361 |
| Return on assets (ROA) | 2.1632% | 353 |
| Pretax return on assets | 2.1632% | 516 |
| Return on Equity (ROE) | 27.2000% | 241 |
| Retained earnings to average equity (ytd only) | -5.0291% | 4,391 |
| Net charge-offs to loans | 0.0082% | 2,360 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 1,086.5000% | 144 |
| Efficiency ratio | 44.7917% | 4,228 |
| Assets per employee ($millions) | 7.1678% | 1,961 |
| Cash dividends to net income (ytd only)* | 118.4893% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,182 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 25.0100% | 4,366 |
| Net loans and leases to deposits | 27.1738% | 4,383 |
| Net loans and leases to core deposits | 30.8585% | 4,389 |
| Total domestic deposits to total assets | 92.0500% | 299 |
| Equity capital to assets | 7.9020% | 3,480 |
| Core capital (leverage) ratio | 11.1081% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $99,758,200 | 3,837 |
| Average earning assets | $91,594,600 | 3,824 |
| Average equity | $7,933,800 | 3,935 |
| Average total loans | $24,467,800 | 4,227 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 4,405 |
| Cost of funding earning assets | 0.5741% | 4,018 |
| Net interest margin | 2.8647% | 3,607 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 1.6465% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9232% | 548 |
| Return on assets (ROA) | 1.9232% | 539 |
| Pretax return on assets | 1.9232% | 836 |
| Return on Equity (ROE) | 24.1400% | 427 |
| Retained earnings to average equity (ytd only) | 7.7672% | 2,049 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.1245% | 4,126 |
| Assets per employee ($millions) | 6.5873% | 2,257 |
| Cash dividends to net income (ytd only)* | 67.8242% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 2,898 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,498 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 24.3700% | 4,394 |
| Net loans and leases to deposits | 26.6348% | 4,411 |
| Net loans and leases to core deposits | 29.7070% | 4,386 |
| Total domestic deposits to total assets | 91.4800% | 561 |
| Equity capital to assets | 8.4608% | 2,749 |
| Core capital (leverage) ratio | 13.1559% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $97,818,500 | 3,860 |
| Average earning assets | $90,337,500 | 3,847 |
| Average equity | $7,793,250 | 3,955 |
| Average total loans | $23,791,250 | 4,255 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 4,438 |
| Cost of funding earning assets | 0.5024% | 3,971 |
| Net interest margin | 2.8528% | 3,726 |
| Noninterest income to average assets | 1.1900% | 446 |
| Noninterest expense to average assets | 1.6433% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1910% | 361 |
| Return on assets (ROA) | 2.1910% | 352 |
| Pretax return on assets | 2.1910% | 543 |
| Return on Equity (ROE) | 28.0900% | 264 |
| Retained earnings to average equity (ytd only) | 2.9194% | 3,496 |
| Net charge-offs to loans | 0.0678% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 796 |
| Efficiency ratio | 42.8571% | 4,307 |
| Assets per employee ($millions) | 6.5829% | 2,228 |
| Cash dividends to net income (ytd only)* | 89.6067% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 2,788 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,409 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 22.7300% | 4,433 |
| Net loans and leases to deposits | 24.6887% | 4,448 |
| Net loans and leases to core deposits | 27.5156% | 4,429 |
| Total domestic deposits to total assets | 92.0600% | 401 |
| Equity capital to assets | 7.9154% | 3,272 |
| Core capital (leverage) ratio | 12.9196% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $97,488,333 | 3,878 |
| Average earning assets | $90,367,000 | 3,859 |
| Average equity | $7,604,333 | 4,000 |
| Average total loans | $23,607,667 | 4,273 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,321 |
| Cost of funding earning assets | 0.3711% | 4,032 |
| Net interest margin | 3.0806% | 3,394 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8501% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4289% | 1,331 |
| Return on assets (ROA) | 1.4289% | 1,304 |
| Pretax return on assets | 1.4289% | 1,815 |
| Return on Equity (ROE) | 18.4600% | 966 |
| Retained earnings to average equity (ytd only) | -13.5494% | 4,535 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.4232% | 3,363 |
| Assets per employee ($millions) | 6.3734% | 2,433 |
| Cash dividends to net income (ytd only)* | 173.4104% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,061 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 1,211 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 25.0400% | 4,464 |
| Net loans and leases to deposits | 27.2173% | 4,487 |
| Net loans and leases to core deposits | 29.8342% | 4,463 |
| Total domestic deposits to total assets | 91.9900% | 518 |
| Equity capital to assets | 7.9926% | 3,248 |
| Core capital (leverage) ratio | 11.5238% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $96,860,500 | 3,933 |
| Average earning assets | $89,464,500 | 3,923 |
| Average equity | $7,498,500 | 4,061 |
| Average total loans | $24,062,000 | 4,326 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3139% | 4,562 |
| Cost of funding earning assets | 0.0864% | 4,448 |
| Net interest margin | 2.2275% | 4,464 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.7177% | 4,145 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7793% | 3,400 |
| Return on assets (ROA) | 0.7793% | 3,333 |
| Pretax return on assets | 0.7793% | 3,672 |
| Return on Equity (ROE) | 9.1500% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.8161% | 1,912 |
| Net charge-offs to loans | -0.0138% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.3361% | 1,923 |
| Assets per employee ($millions) | 7.0086% | 1,973 |
| Cash dividends to net income (ytd only)* | 14.5527% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 2,859 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 504 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 24.1100% | 4,504 |
| Net loans and leases to deposits | 26.0769% | 4,525 |
| Net loans and leases to core deposits | 28.4011% | 4,504 |
| Total domestic deposits to total assets | 92.4600% | 535 |
| Equity capital to assets | 7.4969% | 3,387 |
| Core capital (leverage) ratio | 11.4702% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $96,117,000 | 3,959 |
| Average earning assets | $89,069,800 | 3,936 |
| Average equity | $8,188,200 | 4,079 |
| Average total loans | $21,798,600 | 4,382 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9878% | 4,612 |
| Cost of funding earning assets | 0.0316% | 4,637 |
| Net interest margin | 1.9563% | 4,563 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.7110% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5592% | 3,946 |
| Return on assets (ROA) | 0.5592% | 3,893 |
| Pretax return on assets | 0.5592% | 4,052 |
| Return on Equity (ROE) | 6.3700% | 3,722 |
| Retained earnings to average equity (ytd only) | 4.6369% | 3,225 |
| Net charge-offs to loans | -0.0251% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3686% | 1,130 |
| Assets per employee ($millions) | 6.9741% | 1,960 |
| Cash dividends to net income (ytd only)* | 27.1820% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,261 |
| Loan loss allowance to noncurrent loans | 21.8723% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 363 |
| Noncurrent loans to loans | 4.7933% | 64 |
| Net loans and leases to total assets | 24.1700% | 4,540 |
| Net loans and leases to deposits | 25.9968% | 4,561 |
| Net loans and leases to core deposits | 28.0481% | 4,536 |
| Total domestic deposits to total assets | 92.9600% | 588 |
| Equity capital to assets | 6.9799% | 3,531 |
| Core capital (leverage) ratio | 12.5967% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,616,250 | 3,990 |
| Average earning assets | $88,670,500 | 3,971 |
| Average equity | $8,396,250 | 4,105 |
| Average total loans | $21,267,750 | 4,423 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7561% | 4,671 |
| Cost of funding earning assets | 0.0228% | 4,711 |
| Net interest margin | 1.7333% | 4,647 |
| Noninterest income to average assets | 0.4550% | 2,417 |
| Noninterest expense to average assets | 1.6389% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4192% | 4,075 |
| Return on assets (ROA) | 0.4192% | 4,022 |
| Pretax return on assets | 0.4192% | 4,128 |
| Return on Equity (ROE) | 4.4602% | 3,922 |
| Retained earnings to average equity (ytd only) | 2.0172% | 3,747 |
| Net charge-offs to loans | -0.0196% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6315% | 975 |
| Assets per employee ($millions) | 6.6432% | 2,216 |
| Cash dividends to net income (ytd only)* | 54.7739% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,787 |
| Loan loss allowance to noncurrent loans | 21.6405% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 341 |
| Noncurrent loans to loans | 5.4600% | 49 |
| Net loans and leases to total assets | 22.3010% | 4,625 |
| Net loans and leases to deposits | 24.2423% | 4,637 |
| Net loans and leases to core deposits | 24.7840% | 4,637 |
| Total domestic deposits to total assets | 91.9918% | 837 |
| Equity capital to assets | 7.9716% | 3,145 |
| Core capital (leverage) ratio | 12.4618% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,942,333 | 4,036 |
| Average earning assets | $87,807,000 | 4,032 |
| Average equity | $8,923,333 | 4,112 |
| Average total loans | $20,408,333 | 4,499 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5899% | 4,705 |
| Cost of funding earning assets | 0.0180% | 4,738 |
| Net interest margin | 1.5719% | 4,684 |
| Noninterest income to average assets | 0.4421% | 2,432 |
| Noninterest expense to average assets | 1.5181% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3795% | 4,000 |
| Return on assets (ROA) | 0.3795% | 3,965 |
| Pretax return on assets | 0.3795% | 4,070 |
| Return on Equity (ROE) | 3.7611% | 3,934 |
| Retained earnings to average equity (ytd only) | -0.7440% | 4,115 |
| Net charge-offs to loans | -0.0199% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,155 |
| Assets per employee ($millions) | 6.2535% | 2,596 |
| Cash dividends to net income (ytd only)* | 119.7802% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,972 |
| Loan loss allowance to noncurrent loans | 22.0233% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 371 |
| Noncurrent loans to loans | 5.3529% | 63 |
| Net loans and leases to total assets | 21.9833% | 4,646 |
| Net loans and leases to deposits | 24.2611% | 4,662 |
| Net loans and leases to core deposits | 24.8066% | 4,657 |
| Total domestic deposits to total assets | 90.6112% | 1,240 |
| Equity capital to assets | 9.3867% | 2,375 |
| Core capital (leverage) ratio | 11.2707% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,911,000 | 4,046 |
| Average earning assets | $88,812,500 | 4,034 |
| Average equity | $9,678,000 | 4,094 |
| Average total loans | $20,118,000 | 4,520 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3092% | 4,761 |
| Cost of funding earning assets | 0.0160% | 4,782 |
| Net interest margin | 1.2932% | 4,747 |
| Noninterest income to average assets | 0.4022% | 3,030 |
| Noninterest expense to average assets | 1.3001% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3116% | 4,408 |
| Return on assets (ROA) | 0.3116% | 4,430 |
| Pretax return on assets | 0.3116% | 4,486 |
| Return on Equity (ROE) | 2.8308% | 4,394 |
| Retained earnings to average equity (ytd only) | 1.4923% | 4,122 |
| Net charge-offs to loans | 0.0126% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 637 |
| Efficiency ratio | 80.6671% | 770 |
| Assets per employee ($millions) | 7.0014% | 1,927 |
| Cash dividends to net income (ytd only)* | 47.2843% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,499 |
| Loan loss allowance to noncurrent loans | 20.9006% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 411 |
| Noncurrent loans to loans | 6.0767% | 48 |
| Net loans and leases to total assets | 19.5095% | 4,721 |
| Net loans and leases to deposits | 21.8636% | 4,728 |
| Net loans and leases to core deposits | 22.3410% | 4,727 |
| Total domestic deposits to total assets | 89.2327% | 1,394 |
| Equity capital to assets | 10.7642% | 1,963 |
| Core capital (leverage) ratio | 11.8668% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,450,200 | 3,984 |
| Average earning assets | $93,954,000 | 3,976 |
| Average equity | $11,057,000 | 4,030 |
| Average total loans | $15,913,800 | 4,635 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3258% | 4,843 |
| Cost of funding earning assets | 0.0197% | 4,856 |
| Net interest margin | 1.3061% | 4,827 |
| Noninterest income to average assets | 0.3866% | 3,172 |
| Noninterest expense to average assets | 1.3114% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3008% | 4,519 |
| Return on assets (ROA) | 0.3008% | 4,542 |
| Pretax return on assets | 0.3008% | 4,591 |
| Return on Equity (ROE) | 2.7182% | 4,498 |
| Retained earnings to average equity (ytd only) | 0.9538% | 4,420 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3421% | 676 |
| Assets per employee ($millions) | 6.9421% | 1,912 |
| Cash dividends to net income (ytd only)* | 64.9123% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 14.1733% | 4,835 |
| Net loans and leases to deposits | 16.0178% | 4,839 |
| Net loans and leases to core deposits | 16.3737% | 4,836 |
| Total domestic deposits to total assets | 88.4844% | 1,571 |
| Equity capital to assets | 11.5063% | 1,672 |
| Core capital (leverage) ratio | 11.4704% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,058,000 | 4,030 |
| Average earning assets | $94,834,250 | 4,014 |
| Average equity | $11,183,500 | 4,069 |
| Average total loans | $15,050,000 | 4,718 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2863% | 4,881 |
| Cost of funding earning assets | 0.0229% | 4,891 |
| Net interest margin | 1.2634% | 4,873 |
| Noninterest income to average assets | 0.4749% | 2,735 |
| Noninterest expense to average assets | 1.3874% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2755% | 4,551 |
| Return on assets (ROA) | 0.2755% | 4,570 |
| Pretax return on assets | 0.2755% | 4,613 |
| Return on Equity (ROE) | 2.5215% | 4,544 |
| Retained earnings to average equity (ytd only) | -0.1252% | 4,527 |
| Net charge-offs to loans | 0.0130% | 1,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 614 |
| Efficiency ratio | 83.4313% | 585 |
| Assets per employee ($millions) | 7.0337% | 1,779 |
| Cash dividends to net income (ytd only)* | 104.9645% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 14.6224% | 4,867 |
| Net loans and leases to deposits | 16.4799% | 4,873 |
| Net loans and leases to core deposits | 16.8400% | 4,869 |
| Total domestic deposits to total assets | 88.7288% | 1,429 |
| Equity capital to assets | 11.2316% | 1,808 |
| Core capital (leverage) ratio | 11.4427% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,347,333 | 4,046 |
| Average earning assets | $96,246,000 | 4,016 |
| Average equity | $11,183,667 | 4,078 |
| Average total loans | $15,392,333 | 4,744 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2416% | 4,925 |
| Cost of funding earning assets | 0.0366% | 4,903 |
| Net interest margin | 1.2049% | 4,912 |
| Noninterest income to average assets | 0.5869% | 2,261 |
| Noninterest expense to average assets | 1.3617% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3606% | 4,431 |
| Return on assets (ROA) | 0.3606% | 4,460 |
| Pretax return on assets | 0.3606% | 4,542 |
| Return on Equity (ROE) | 3.3436% | 4,406 |
| Retained earnings to average equity (ytd only) | -1.9208% | 4,534 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0646% | 888 |
| Assets per employee ($millions) | 7.5453% | 1,423 |
| Cash dividends to net income (ytd only)* | 157.4468% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 14.0769% | 4,903 |
| Net loans and leases to deposits | 15.7034% | 4,905 |
| Net loans and leases to core deposits | 16.1938% | 4,901 |
| Total domestic deposits to total assets | 89.6425% | 1,002 |
| Equity capital to assets | 10.3404% | 2,406 |
| Core capital (leverage) ratio | 10.8122% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,285,000 | 4,023 |
| Average earning assets | $98,261,500 | 3,998 |
| Average equity | $11,245,500 | 4,083 |
| Average total loans | $15,765,500 | 4,767 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6859% | 4,938 |
| Cost of funding earning assets | 0.1406% | 4,757 |
| Net interest margin | 1.5454% | 4,917 |
| Noninterest income to average assets | 0.3017% | 3,667 |
| Noninterest expense to average assets | 1.3429% | 4,859 |
| Loan and lease loss provision to assets | 0.0324% | 3,990 |
| Net operating income to assets | 0.3915% | 4,266 |
| Return on assets (ROA) | 0.3915% | 4,347 |
| Pretax return on assets | 0.3915% | 4,438 |
| Return on Equity (ROE) | 3.6312% | 4,243 |
| Retained earnings to average equity (ytd only) | -4.9531% | 4,831 |
| Net charge-offs to loans | -0.0242% | 4,479 |
| Credit loss provision to net charge-offs | -875.0000% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0084% | 1,227 |
| Assets per employee ($millions) | 6.8624% | 1,670 |
| Cash dividends to net income (ytd only)* | 236.4066% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 15.7039% | 4,909 |
| Net loans and leases to deposits | 17.7098% | 4,919 |
| Net loans and leases to core deposits | 18.2841% | 4,916 |
| Total domestic deposits to total assets | 88.6735% | 1,130 |
| Equity capital to assets | 11.2381% | 2,067 |
| Core capital (leverage) ratio | 11.4060% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,047,000 | 3,898 |
| Average earning assets | $102,436,000 | 3,866 |
| Average equity | $11,649,200 | 4,009 |
| Average total loans | $16,524,800 | 4,779 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8181% | 4,978 |
| Cost of funding earning assets | 0.1695% | 4,755 |
| Net interest margin | 1.6486% | 4,953 |
| Noninterest income to average assets | 0.2988% | 3,696 |
| Noninterest expense to average assets | 1.3379% | 4,892 |
| Loan and lease loss provision to assets | 0.0302% | 3,953 |
| Net operating income to assets | 0.4964% | 4,049 |
| Return on assets (ROA) | 0.4964% | 4,133 |
| Pretax return on assets | 0.4964% | 4,285 |
| Return on Equity (ROE) | 4.6502% | 3,982 |
| Retained earnings to average equity (ytd only) | -6.7753% | 4,883 |
| Net charge-offs to loans | -0.0483% | 4,662 |
| Credit loss provision to net charge-offs | -416.6667% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7462% | 1,672 |
| Assets per employee ($millions) | 6.9480% | 1,541 |
| Cash dividends to net income (ytd only)* | 245.7002% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 17.0255% | 4,947 |
| Net loans and leases to deposits | 19.3497% | 4,953 |
| Net loans and leases to core deposits | 20.0198% | 4,955 |
| Total domestic deposits to total assets | 87.9883% | 1,220 |
| Equity capital to assets | 11.8821% | 1,747 |
| Core capital (leverage) ratio | 11.6814% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,324,750 | 3,883 |
| Average earning assets | $103,842,000 | 3,848 |
| Average equity | $11,669,500 | 4,017 |
| Average total loans | $16,552,750 | 4,811 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0145% | 5,016 |
| Cost of funding earning assets | 0.2195% | 4,707 |
| Net interest margin | 1.7950% | 4,984 |
| Noninterest income to average assets | 0.3053% | 3,633 |
| Noninterest expense to average assets | 1.3146% | 4,943 |
| Loan and lease loss provision to assets | 0.0265% | 3,923 |
| Net operating income to assets | 0.6670% | 3,517 |
| Return on assets (ROA) | 0.6670% | 3,608 |
| Pretax return on assets | 0.6670% | 3,937 |
| Return on Equity (ROE) | 6.4579% | 3,345 |
| Retained earnings to average equity (ytd only) | -10.6264% | 4,930 |
| Net charge-offs to loans | -0.0729% | 4,781 |
| Credit loss provision to net charge-offs | -250.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4657% | 2,591 |
| Assets per employee ($millions) | 7.4713% | 1,197 |
| Cash dividends to net income (ytd only)* | 264.5503% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,476 |
| Loan loss allowance to noncurrent loans | 38.3333% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 2,084 |
| Noncurrent loans to loans | 3.7348% | 198 |
| Net loans and leases to total assets | 15.1389% | 4,987 |
| Net loans and leases to deposits | 17.0375% | 4,999 |
| Net loans and leases to core deposits | 17.5790% | 4,990 |
| Total domestic deposits to total assets | 88.8564% | 801 |
| Equity capital to assets | 11.0174% | 2,328 |
| Core capital (leverage) ratio | 10.1464% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,342,333 | 3,809 |
| Average earning assets | $107,523,000 | 3,779 |
| Average equity | $11,706,667 | 4,020 |
| Average total loans | $16,470,000 | 4,839 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5309% | 5,041 |
| Cost of funding earning assets | 0.3150% | 4,610 |
| Net interest margin | 2.2159% | 4,953 |
| Noninterest income to average assets | 0.3432% | 3,464 |
| Noninterest expense to average assets | 1.3083% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1383% | 1,724 |
| Return on assets (ROA) | 1.1383% | 1,833 |
| Pretax return on assets | 1.1383% | 2,402 |
| Return on Equity (ROE) | 11.3574% | 1,303 |
| Retained earnings to average equity (ytd only) | -22.5452% | 4,988 |
| Net charge-offs to loans | -0.0480% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4722% | 4,435 |
| Assets per employee ($millions) | 8.5187% | 620 |
| Cash dividends to net income (ytd only)* | 298.5075% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 13.6884% | 5,043 |
| Net loans and leases to deposits | 15.1626% | 5,048 |
| Net loans and leases to core deposits | 16.3623% | 5,043 |
| Total domestic deposits to total assets | 90.2769% | 246 |
| Equity capital to assets | 9.6351% | 4,094 |
| Core capital (leverage) ratio | 10.2914% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,714,500 | 3,735 |
| Average earning assets | $111,738,500 | 3,690 |
| Average equity | $11,798,500 | 4,020 |
| Average total loans | $16,672,500 | 4,872 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 5,084 |
| Cost of funding earning assets | 0.3713% | 4,538 |
| Net interest margin | 2.4897% | 4,974 |
| Noninterest income to average assets | 0.4411% | 3,052 |
| Noninterest expense to average assets | 1.5174% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2551% | 1,852 |
| Return on assets (ROA) | 1.2551% | 1,934 |
| Pretax return on assets | 1.2551% | 2,650 |
| Return on Equity (ROE) | 11.1161% | 1,836 |
| Retained earnings to average equity (ytd only) | 3.1061% | 3,468 |
| Net charge-offs to loans | 0.0066% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,249.0000% | 78 |
| Efficiency ratio | 54.7300% | 4,352 |
| Assets per employee ($millions) | 7.7445% | 784 |
| Cash dividends to net income (ytd only)* | 72.0576% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 14.2898% | 5,103 |
| Net loans and leases to deposits | 15.9691% | 5,112 |
| Net loans and leases to core deposits | 18.2508% | 5,101 |
| Total domestic deposits to total assets | 89.4841% | 495 |
| Equity capital to assets | 10.4212% | 3,517 |
| Core capital (leverage) ratio | 12.3273% | 1,579 |
| Tier 1 risk-based capital ratio | 36.2535% | 303 |
| Total risk-based capital ratio | 36.8801% | 312 |
| Memoranda: | ||
| Average total assets | $99,515,000 | 4,010 |
| Average earning assets | $93,185,400 | 3,991 |
| Average equity | $11,236,000 | 4,088 |
| Average total loans | $15,194,400 | 4,963 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9676% | 5,160 |
| Cost of funding earning assets | 0.3680% | 4,608 |
| Net interest margin | 2.5996% | 5,003 |
| Noninterest income to average assets | 0.4670% | 2,917 |
| Noninterest expense to average assets | 1.5982% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3088% | 1,817 |
| Return on assets (ROA) | 1.3088% | 1,902 |
| Pretax return on assets | 1.3088% | 2,636 |
| Return on Equity (ROE) | 11.3261% | 1,882 |
| Retained earnings to average equity (ytd only) | 0.4356% | 4,678 |
| Net charge-offs to loans | -0.0090% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9784% | 4,286 |
| Assets per employee ($millions) | 6.3836% | 1,341 |
| Cash dividends to net income (ytd only)* | 96.1538% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 16.4902% | 5,173 |
| Net loans and leases to deposits | 18.8353% | 5,176 |
| Net loans and leases to core deposits | 22.3487% | 5,167 |
| Total domestic deposits to total assets | 87.5493% | 1,239 |
| Equity capital to assets | 12.2669% | 2,063 |
| Core capital (leverage) ratio | 12.1157% | 1,778 |
| Tier 1 risk-based capital ratio | 40.6228% | 233 |
| Total risk-based capital ratio | 41.3505% | 238 |
| Memoranda: | ||
| Average total assets | $95,352,000 | 4,114 |
| Average earning assets | $89,497,500 | 4,098 |
| Average equity | $11,018,500 | 4,158 |
| Average total loans | $14,790,750 | 5,048 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9175% | 5,224 |
| Cost of funding earning assets | 0.3135% | 4,794 |
| Net interest margin | 2.6040% | 5,073 |
| Noninterest income to average assets | 0.4684% | 2,852 |
| Noninterest expense to average assets | 1.5921% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3191% | 1,698 |
| Return on assets (ROA) | 1.3191% | 1,761 |
| Pretax return on assets | 1.3191% | 2,482 |
| Return on Equity (ROE) | 11.6555% | 1,713 |
| Retained earnings to average equity (ytd only) | -5.0483% | 5,059 |
| Net charge-offs to loans | -0.0278% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6898% | 4,391 |
| Assets per employee ($millions) | 6.4917% | 1,242 |
| Cash dividends to net income (ytd only)* | 143.3121% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 1,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 16.0163% | 5,227 |
| Net loans and leases to deposits | 18.1695% | 5,229 |
| Net loans and leases to core deposits | 21.4487% | 5,217 |
| Total domestic deposits to total assets | 88.1490% | 1,029 |
| Equity capital to assets | 11.6836% | 2,461 |
| Core capital (leverage) ratio | 12.8172% | 1,394 |
| Tier 1 risk-based capital ratio | 39.2016% | 247 |
| Total risk-based capital ratio | 39.9296% | 252 |
| Memoranda: | ||
| Average total assets | $95,218,000 | 4,141 |
| Average earning assets | $89,324,000 | 4,131 |
| Average equity | $10,776,000 | 4,201 |
| Average total loans | $14,387,330 | 5,101 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0588% | 5,257 |
| Cost of funding earning assets | 0.2648% | 4,941 |
| Net interest margin | 2.7940% | 4,994 |
| Noninterest income to average assets | 0.4844% | 2,649 |
| Noninterest expense to average assets | 1.6784% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4064% | 1,356 |
| Return on assets (ROA) | 1.4064% | 1,382 |
| Pretax return on assets | 1.4064% | 2,062 |
| Return on Equity (ROE) | 12.6390% | 1,346 |
| Retained earnings to average equity (ytd only) | -21.7269% | 5,269 |
| Net charge-offs to loans | -0.0292% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4077% | 4,500 |
| Assets per employee ($millions) | 6.0027% | 1,547 |
| Cash dividends to net income (ytd only)* | 271.9033% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 15.0398% | 5,291 |
| Net loans and leases to deposits | 17.0492% | 5,296 |
| Net loans and leases to core deposits | 18.6699% | 5,287 |
| Total domestic deposits to total assets | 88.2143% | 1,232 |
| Equity capital to assets | 11.6636% | 2,261 |
| Core capital (leverage) ratio | 11.2756% | 2,316 |
| Tier 1 risk-based capital ratio | 37.3904% | 267 |
| Total risk-based capital ratio | 38.0965% | 277 |
| Memoranda: | ||
| Average total assets | $94,139,000 | 4,194 |
| Average earning assets | $87,615,500 | 4,188 |
| Average equity | $10,475,500 | 4,259 |
| Average total loans | $13,676,500 | 5,174 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7032% | 5,315 |
| Cost of funding earning assets | 0.1448% | 5,188 |
| Net interest margin | 2.5584% | 5,181 |
| Noninterest income to average assets | 0.4346% | 3,205 |
| Noninterest expense to average assets | 1.4849% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3427% | 1,646 |
| Return on assets (ROA) | 1.3427% | 1,633 |
| Pretax return on assets | 1.3427% | 2,352 |
| Return on Equity (ROE) | 14.1272% | 1,019 |
| Retained earnings to average equity (ytd only) | 9.0013% | 866 |
| Net charge-offs to loans | -0.1562% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5155% | 4,756 |
| Assets per employee ($millions) | 6.1398% | 1,426 |
| Cash dividends to net income (ytd only)* | 36.2845% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 13.6293% | 5,340 |
| Net loans and leases to deposits | 15.2680% | 5,341 |
| Net loans and leases to core deposits | 16.5701% | 5,336 |
| Total domestic deposits to total assets | 89.2668% | 753 |
| Equity capital to assets | 10.6365% | 3,042 |
| Core capital (leverage) ratio | 11.7750% | 1,894 |
| Tier 1 risk-based capital ratio | 40.5043% | 225 |
| Total risk-based capital ratio | 41.2321% | 233 |
| Memoranda: | ||
| Average total assets | $102,631,800 | 4,057 |
| Average earning assets | $95,997,800 | 4,036 |
| Average equity | $9,754,200 | 4,339 |
| Average total loans | $13,441,000 | 5,221 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6528% | 5,388 |
| Cost of funding earning assets | 0.1304% | 5,276 |
| Net interest margin | 2.5224% | 5,268 |
| Noninterest income to average assets | 0.3419% | 3,858 |
| Noninterest expense to average assets | 1.4383% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2661% | 1,977 |
| Return on assets (ROA) | 1.2661% | 1,984 |
| Pretax return on assets | 1.2661% | 2,740 |
| Return on Equity (ROE) | 13.7081% | 1,198 |
| Retained earnings to average equity (ytd only) | 6.7496% | 2,264 |
| Net charge-offs to loans | -0.2487% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1844% | 4,692 |
| Assets per employee ($millions) | 6.3049% | 1,285 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,126 |
| Loan loss allowance to noncurrent loans | 164.6154% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,320 |
| Noncurrent loans to loans | 0.9590% | 1,774 |
| Net loans and leases to total assets | 13.2257% | 5,414 |
| Net loans and leases to deposits | 14.6259% | 5,419 |
| Net loans and leases to core deposits | 15.8202% | 5,412 |
| Total domestic deposits to total assets | 90.4271% | 370 |
| Equity capital to assets | 9.4569% | 4,120 |
| Core capital (leverage) ratio | 10.8456% | 2,739 |
| Tier 1 risk-based capital ratio | 40.7379% | 222 |
| Total risk-based capital ratio | 41.5060% | 226 |
| Memoranda: | ||
| Average total assets | $103,730,500 | 4,083 |
| Average earning assets | $97,152,500 | 4,059 |
| Average equity | $9,580,500 | 4,406 |
| Average total loans | $13,401,250 | 5,289 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5540% | 5,465 |
| Cost of funding earning assets | 0.1064% | 5,389 |
| Net interest margin | 2.4476% | 5,365 |
| Noninterest income to average assets | 0.3458% | 3,862 |
| Noninterest expense to average assets | 1.3661% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2629% | 1,927 |
| Return on assets (ROA) | 1.2629% | 1,929 |
| Pretax return on assets | 1.2648% | 2,648 |
| Return on Equity (ROE) | 13.7794% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.3563% | 3,901 |
| Net charge-offs to loans | -0.3895% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9245% | 4,901 |
| Assets per employee ($millions) | 7.0331% | 907 |
| Cash dividends to net income (ytd only)* | 75.6430% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,101 |
| Loan loss allowance to noncurrent loans | 143.3333% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 4,277 |
| Noncurrent loans to loans | 1.1181% | 1,573 |
| Net loans and leases to total assets | 12.5132% | 5,482 |
| Net loans and leases to deposits | 13.7571% | 5,487 |
| Net loans and leases to core deposits | 14.8201% | 5,482 |
| Total domestic deposits to total assets | 90.9580% | 255 |
| Equity capital to assets | 8.9130% | 4,626 |
| Core capital (leverage) ratio | 10.4841% | 3,046 |
| Tier 1 risk-based capital ratio | 38.8651% | 249 |
| Total risk-based capital ratio | 39.6252% | 252 |
| Memoranda: | ||
| Average total assets | $104,681,000 | 4,100 |
| Average earning assets | $97,730,330 | 4,083 |
| Average equity | $9,594,000 | 4,441 |
| Average total loans | $13,349,670 | 5,349 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4877% | 5,538 |
| Cost of funding earning assets | 0.0660% | 5,521 |
| Net interest margin | 2.4217% | 5,434 |
| Noninterest income to average assets | 0.3721% | 3,649 |
| Noninterest expense to average assets | 1.3541% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2697% | 1,744 |
| Return on assets (ROA) | 1.2697% | 1,752 |
| Pretax return on assets | 1.2697% | 2,478 |
| Return on Equity (ROE) | 13.6643% | 1,097 |
| Retained earnings to average equity (ytd only) | -6.9766% | 5,283 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6082% | 4,988 |
| Assets per employee ($millions) | 6.9135% | 994 |
| Cash dividends to net income (ytd only)* | 151.0574% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,747 |
| Loan loss allowance to noncurrent loans | 96.9388% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 4,137 |
| Noncurrent loans to loans | 1.4701% | 1,206 |
| Net loans and leases to total assets | 12.6727% | 5,545 |
| Net loans and leases to deposits | 13.9222% | 5,551 |
| Net loans and leases to core deposits | 15.0165% | 5,543 |
| Total domestic deposits to total assets | 91.0253% | 311 |
| Equity capital to assets | 8.8802% | 4,681 |
| Core capital (leverage) ratio | 10.2696% | 3,220 |
| Tier 1 risk-based capital ratio | 38.4114% | 252 |
| Total risk-based capital ratio | 39.0958% | 254 |
| Memoranda: | ||
| Average total assets | $104,273,000 | 4,157 |
| Average earning assets | $96,958,000 | 4,144 |
| Average equity | $9,689,500 | 4,470 |
| Average total loans | $13,316,500 | 5,416 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3070% | 5,584 |
| Cost of funding earning assets | 0.0588% | 5,595 |
| Net interest margin | 2.2481% | 5,522 |
| Noninterest income to average assets | 0.3589% | 3,902 |
| Noninterest expense to average assets | 1.3708% | 5,536 |
| Loan and lease loss provision to assets | 0.0182% | 3,934 |
| Net operating income to assets | 1.0564% | 2,032 |
| Return on assets (ROA) | 1.0564% | 2,054 |
| Pretax return on assets | 1.0564% | 3,359 |
| Return on Equity (ROE) | 10.5808% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.8547% | 1,137 |
| Net charge-offs to loans | 0.0833% | 2,267 |
| Credit loss provision to net charge-offs | 138.4615% | 1,910 |
| Earnings coverage of net charge-offs (x) | 81.7692% | 757 |
| Efficiency ratio | 56.0562% | 4,767 |
| Assets per employee ($millions) | 6.9895% | 972 |
| Cash dividends to net income (ytd only)* | 35.2153% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 12.5054% | 5,613 |
| Net loans and leases to deposits | 13.8620% | 5,619 |
| Net loans and leases to core deposits | 14.9490% | 5,613 |
| Total domestic deposits to total assets | 90.2130% | 492 |
| Equity capital to assets | 9.7002% | 4,029 |
| Core capital (leverage) ratio | 10.4619% | 2,889 |
| Tier 1 risk-based capital ratio | 39.3554% | 226 |
| Total risk-based capital ratio | 40.0458% | 235 |
| Memoranda: | ||
| Average total assets | $98,918,600 | 4,256 |
| Average earning assets | $91,809,400 | 4,249 |
| Average equity | $9,876,400 | 4,472 |
| Average total loans | $15,605,000 | 5,428 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2868% | 5,653 |
| Cost of funding earning assets | 0.0591% | 5,662 |
| Net interest margin | 2.2277% | 5,596 |
| Noninterest income to average assets | 0.3640% | 3,924 |
| Noninterest expense to average assets | 1.3834% | 5,581 |
| Loan and lease loss provision to assets | 0.0246% | 3,651 |
| Net operating income to assets | 1.0194% | 2,476 |
| Return on assets (ROA) | 1.0194% | 2,514 |
| Pretax return on assets | 1.0194% | 3,611 |
| Return on Equity (ROE) | 10.1327% | 2,070 |
| Retained earnings to average equity (ytd only) | 5.1275% | 2,796 |
| Net charge-offs to loans | 0.0577% | 2,306 |
| Credit loss provision to net charge-offs | 257.1429% | 1,108 |
| Earnings coverage of net charge-offs (x) | 109.0364% | 655 |
| Efficiency ratio | 56.9899% | 4,615 |
| Assets per employee ($millions) | 6.6127% | 1,121 |
| Cash dividends to net income (ytd only)* | 49.3955% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 13.6837% | 5,677 |
| Net loans and leases to deposits | 15.2777% | 5,682 |
| Net loans and leases to core deposits | 16.5589% | 5,675 |
| Total domestic deposits to total assets | 89.5666% | 636 |
| Equity capital to assets | 10.3054% | 3,583 |
| Core capital (leverage) ratio | 10.6589% | 2,815 |
| Tier 1 risk-based capital ratio | 43.3048% | 185 |
| Total risk-based capital ratio | 44.1068% | 185 |
| Memoranda: | ||
| Average total assets | $97,437,500 | 4,324 |
| Average earning assets | $90,254,500 | 4,328 |
| Average equity | $9,803,000 | 4,528 |
| Average total loans | $16,181,000 | 5,476 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2629% | 5,704 |
| Cost of funding earning assets | 0.0582% | 5,706 |
| Net interest margin | 2.2047% | 5,645 |
| Noninterest income to average assets | 0.3655% | 3,939 |
| Noninterest expense to average assets | 1.3732% | 5,636 |
| Loan and lease loss provision to assets | 0.0372% | 3,265 |
| Net operating income to assets | 0.9891% | 2,477 |
| Return on assets (ROA) | 0.9891% | 2,529 |
| Pretax return on assets | 0.9891% | 3,610 |
| Return on Equity (ROE) | 9.9138% | 2,072 |
| Retained earnings to average equity (ytd only) | 2.2973% | 4,307 |
| Net charge-offs to loans | 0.0589% | 2,092 |
| Credit loss provision to net charge-offs | 360.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 99.4000% | 656 |
| Efficiency ratio | 57.2289% | 4,679 |
| Assets per employee ($millions) | 6.5132% | 1,145 |
| Cash dividends to net income (ytd only)* | 76.8267% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 15.8038% | 5,710 |
| Net loans and leases to deposits | 17.6105% | 5,717 |
| Net loans and leases to core deposits | 19.1080% | 5,709 |
| Total domestic deposits to total assets | 89.7408% | 624 |
| Equity capital to assets | 10.1353% | 3,754 |
| Core capital (leverage) ratio | 10.7270% | 2,677 |
| Tier 1 risk-based capital ratio | 39.4845% | 219 |
| Total risk-based capital ratio | 40.2424% | 220 |
| Memoranda: | ||
| Average total assets | $96,853,000 | 4,363 |
| Average earning assets | $89,355,670 | 4,372 |
| Average equity | $9,663,330 | 4,569 |
| Average total loans | $16,985,330 | 5,490 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2402% | 5,776 |
| Cost of funding earning assets | 0.0586% | 5,769 |
| Net interest margin | 2.1816% | 5,711 |
| Noninterest income to average assets | 0.3816% | 3,793 |
| Noninterest expense to average assets | 1.3440% | 5,722 |
| Loan and lease loss provision to assets | 0.0747% | 2,311 |
| Net operating income to assets | 0.9706% | 2,433 |
| Return on assets (ROA) | 0.9706% | 2,482 |
| Pretax return on assets | 0.9706% | 3,492 |
| Return on Equity (ROE) | 9.8072% | 2,052 |
| Retained earnings to average equity (ytd only) | -5.6161% | 5,426 |
| Net charge-offs to loans | 0.0906% | 1,441 |
| Credit loss provision to net charge-offs | 450.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 777 |
| Efficiency ratio | 56.2500% | 4,909 |
| Assets per employee ($millions) | 6.3195% | 1,284 |
| Cash dividends to net income (ytd only)* | 157.2650% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 18.1387% | 5,761 |
| Net loans and leases to deposits | 20.1718% | 5,768 |
| Net loans and leases to core deposits | 21.9398% | 5,761 |
| Total domestic deposits to total assets | 89.9211% | 697 |
| Equity capital to assets | 9.9871% | 3,770 |
| Core capital (leverage) ratio | 10.9229% | 2,449 |
| Tier 1 risk-based capital ratio | 35.9555% | 301 |
| Total risk-based capital ratio | 36.6697% | 314 |
| Memoranda: | ||
| Average total assets | $96,430,500 | 4,416 |
| Average earning assets | $88,742,500 | 4,425 |
| Average equity | $9,544,000 | 4,614 |
| Average total loans | $17,659,500 | 5,532 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2416% | 5,813 |
| Cost of funding earning assets | 0.0630% | 5,814 |
| Net interest margin | 2.1787% | 5,760 |
| Noninterest income to average assets | 0.4183% | 3,753 |
| Noninterest expense to average assets | 1.4506% | 5,745 |
| Loan and lease loss provision to assets | 0.0133% | 4,114 |
| Net operating income to assets | 0.9411% | 2,630 |
| Return on assets (ROA) | 0.9411% | 2,738 |
| Pretax return on assets | 0.9411% | 3,689 |
| Return on Equity (ROE) | 9.4373% | 2,215 |
| Retained earnings to average equity (ytd only) | 5.9523% | 1,731 |
| Net charge-offs to loans | 0.1486% | 1,775 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 35.8077% | 1,274 |
| Efficiency ratio | 60.3154% | 4,534 |
| Assets per employee ($millions) | 6.5379% | 1,135 |
| Cash dividends to net income (ytd only)* | 36.9281% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 18.0913% | 5,818 |
| Net loans and leases to deposits | 20.0783% | 5,828 |
| Net loans and leases to core deposits | 21.7699% | 5,821 |
| Total domestic deposits to total assets | 90.1039% | 597 |
| Equity capital to assets | 9.8104% | 3,928 |
| Core capital (leverage) ratio | 11.2002% | 2,168 |
| Tier 1 risk-based capital ratio | 36.7330% | 283 |
| Total risk-based capital ratio | 37.3987% | 289 |
| Memoranda: | ||
| Average total assets | $97,546,200 | 4,392 |
| Average earning assets | $88,952,800 | 4,411 |
| Average equity | $9,727,400 | 4,633 |
| Average total loans | $17,496,800 | 5,596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3034% | 5,871 |
| Cost of funding earning assets | 0.0660% | 5,878 |
| Net interest margin | 2.2373% | 5,802 |
| Noninterest income to average assets | 0.4216% | 3,762 |
| Noninterest expense to average assets | 1.4549% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0073% | 2,401 |
| Return on assets (ROA) | 1.0073% | 2,535 |
| Pretax return on assets | 1.0073% | 3,605 |
| Return on Equity (ROE) | 10.0606% | 2,025 |
| Retained earnings to average equity (ytd only) | 5.4267% | 2,532 |
| Net charge-offs to loans | 0.2300% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 24.5328% | 1,669 |
| Efficiency ratio | 59.0884% | 4,680 |
| Assets per employee ($millions) | 5.3764% | 1,974 |
| Cash dividends to net income (ytd only)* | 46.0599% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 19.7122% | 5,875 |
| Net loans and leases to deposits | 22.3504% | 5,888 |
| Net loans and leases to core deposits | 24.5736% | 5,875 |
| Total domestic deposits to total assets | 88.1962% | 1,303 |
| Equity capital to assets | 11.6643% | 2,387 |
| Core capital (leverage) ratio | 10.8974% | 2,570 |
| Tier 1 risk-based capital ratio | 39.3333% | 236 |
| Total risk-based capital ratio | 39.9961% | 242 |
| Memoranda: | ||
| Average total assets | $97,415,500 | 4,429 |
| Average earning assets | $88,853,250 | 4,454 |
| Average equity | $9,754,000 | 4,662 |
| Average total loans | $17,389,500 | 5,655 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2000% | 5,974 |
| Cost of funding earning assets | 0.0646% | 5,959 |
| Net interest margin | 2.1353% | 5,920 |
| Noninterest income to average assets | 0.4308% | 3,658 |
| Noninterest expense to average assets | 1.4247% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9643% | 2,550 |
| Return on assets (ROA) | 0.9643% | 2,698 |
| Pretax return on assets | 0.9643% | 3,727 |
| Return on Equity (ROE) | 10.1028% | 2,003 |
| Retained earnings to average equity (ytd only) | 3.0847% | 3,942 |
| Net charge-offs to loans | 0.1488% | 1,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 37.5385% | 1,200 |
| Efficiency ratio | 59.6361% | 4,688 |
| Assets per employee ($millions) | 6.1521% | 1,301 |
| Cash dividends to net income (ytd only)* | 69.4672% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 16.7291% | 5,973 |
| Net loans and leases to deposits | 18.6219% | 5,983 |
| Net loans and leases to core deposits | 20.1883% | 5,974 |
| Total domestic deposits to total assets | 89.8357% | 550 |
| Equity capital to assets | 10.0413% | 4,171 |
| Core capital (leverage) ratio | 9.8384% | 3,763 |
| Tier 1 risk-based capital ratio | 35.4612% | 323 |
| Total risk-based capital ratio | 36.1320% | 332 |
| Memoranda: | ||
| Average total assets | $101,213,000 | 4,403 |
| Average earning assets | $92,820,000 | 4,407 |
| Average equity | $9,660,670 | 4,711 |
| Average total loans | $17,477,670 | 5,717 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1706% | 6,038 |
| Cost of funding earning assets | 0.0637% | 6,020 |
| Net interest margin | 2.1069% | 5,994 |
| Noninterest income to average assets | 0.4444% | 3,522 |
| Noninterest expense to average assets | 1.4658% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9123% | 2,689 |
| Return on assets (ROA) | 0.9123% | 2,807 |
| Pretax return on assets | 0.9123% | 3,793 |
| Return on Equity (ROE) | 9.8021% | 2,074 |
| Retained earnings to average equity (ytd only) | -4.3984% | 5,575 |
| Net charge-offs to loans | 0.0447% | 2,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 483 |
| Efficiency ratio | 61.6393% | 4,500 |
| Assets per employee ($millions) | 6.2984% | 1,222 |
| Cash dividends to net income (ytd only)* | 144.8718% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 3,496 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,473 |
| Noncurrent loans to loans | 0.2395% | 4,571 |
| Net loans and leases to total assets | 15.9682% | 6,031 |
| Net loans and leases to deposits | 17.6693% | 6,044 |
| Net loans and leases to core deposits | 19.1082% | 6,037 |
| Total domestic deposits to total assets | 90.3726% | 476 |
| Equity capital to assets | 9.5143% | 4,657 |
| Core capital (leverage) ratio | 9.4669% | 4,251 |
| Tier 1 risk-based capital ratio | 34.1534% | 365 |
| Total risk-based capital ratio | 34.8568% | 370 |
| Memoranda: | ||
| Average total assets | $102,603,000 | 4,415 |
| Average earning assets | $94,167,500 | 4,420 |
| Average equity | $9,549,000 | 4,751 |
| Average total loans | $17,891,000 | 5,755 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8475% | 6,106 |
| Cost of funding earning assets | 0.0636% | 6,085 |
| Net interest margin | 1.7839% | 6,082 |
| Noninterest income to average assets | 0.4152% | 3,922 |
| Noninterest expense to average assets | 1.1998% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8651% | 3,045 |
| Return on assets (ROA) | 0.8651% | 3,118 |
| Pretax return on assets | 0.8651% | 3,975 |
| Return on Equity (ROE) | 10.9856% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.9856% | 348 |
| Net charge-offs to loans | 0.0528% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 575 |
| Efficiency ratio | 58.1064% | 5,129 |
| Assets per employee ($millions) | 6.5269% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 18.4792% | 6,072 |
| Net loans and leases to deposits | 20.3488% | 6,087 |
| Net loans and leases to core deposits | 22.4479% | 6,074 |
| Total domestic deposits to total assets | 90.8121% | 332 |
| Equity capital to assets | 9.1065% | 5,012 |
| Core capital (leverage) ratio | 8.8994% | 5,005 |
| Tier 1 risk-based capital ratio | 29.8348% | 511 |
| Total risk-based capital ratio | 30.4487% | 533 |
| Memoranda: | ||
| Average total assets | $115,600,200 | 4,143 |
| Average earning assets | $106,900,200 | 4,119 |
| Average equity | $9,102,800 | 4,822 |
| Average total loans | $18,951,200 | 5,762 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7513% | 6,206 |
| Cost of funding earning assets | 0.0656% | 6,169 |
| Net interest margin | 1.6856% | 6,184 |
| Noninterest income to average assets | 0.3919% | 4,139 |
| Noninterest expense to average assets | 1.1768% | 6,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7771% | 3,540 |
| Return on assets (ROA) | 0.7771% | 3,627 |
| Pretax return on assets | 0.7771% | 4,405 |
| Return on Equity (ROE) | 10.2209% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.2209% | 597 |
| Net charge-offs to loans | 0.0213% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 229.9950% | 312 |
| Efficiency ratio | 60.2305% | 4,862 |
| Assets per employee ($millions) | 6.5604% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 18.2678% | 6,162 |
| Net loans and leases to deposits | 20.1148% | 6,181 |
| Net loans and leases to core deposits | 22.1769% | 6,167 |
| Total domestic deposits to total assets | 90.8180% | 298 |
| Equity capital to assets | 9.0648% | 5,249 |
| Core capital (leverage) ratio | 8.6708% | 5,386 |
| Tier 1 risk-based capital ratio | 28.0260% | 620 |
| Total risk-based capital ratio | 28.6432% | 644 |
| Memoranda: | ||
| Average total assets | $118,392,500 | 4,138 |
| Average earning assets | $109,708,500 | 4,121 |
| Average equity | $9,001,000 | 4,907 |
| Average total loans | $18,815,250 | 5,840 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6573% | 6,288 |
| Cost of funding earning assets | 0.0633% | 6,244 |
| Net interest margin | 1.5940% | 6,270 |
| Noninterest income to average assets | 0.3581% | 4,388 |
| Noninterest expense to average assets | 1.1427% | 6,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6918% | 3,929 |
| Return on assets (ROA) | 0.6918% | 4,038 |
| Pretax return on assets | 0.6918% | 4,676 |
| Return on Equity (ROE) | 9.6266% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.6266% | 746 |
| Net charge-offs to loans | 0.0215% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 331 |
| Efficiency ratio | 62.2893% | 4,635 |
| Assets per employee ($millions) | 6.7060% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 4,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 17.2718% | 6,240 |
| Net loans and leases to deposits | 18.8948% | 6,265 |
| Net loans and leases to core deposits | 20.7714% | 6,245 |
| Total domestic deposits to total assets | 91.4107% | 200 |
| Equity capital to assets | 8.4868% | 5,696 |
| Core capital (leverage) ratio | 7.5459% | 6,087 |
| Tier 1 risk-based capital ratio | 28.0116% | 636 |
| Total risk-based capital ratio | 28.6497% | 664 |
| Memoranda: | ||
| Average total assets | $122,868,000 | 4,095 |
| Average earning assets | $113,801,000 | 4,082 |
| Average equity | $8,829,670 | 4,979 |
| Average total loans | $18,627,330 | 5,904 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5411% | 6,364 |
| Cost of funding earning assets | 0.0631% | 6,317 |
| Net interest margin | 1.4780% | 6,349 |
| Noninterest income to average assets | 0.3215% | 4,620 |
| Noninterest expense to average assets | 1.0501% | 6,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6337% | 4,124 |
| Return on assets (ROA) | 0.6337% | 4,247 |
| Pretax return on assets | 0.6337% | 4,818 |
| Return on Equity (ROE) | 9.5265% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.5265% | 1,036 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3636% | 4,741 |
| Assets per employee ($millions) | 8.2704% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 4,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.1266% | 6,345 |
| Net loans and leases to deposits | 14.0755% | 6,356 |
| Net loans and leases to core deposits | 15.2974% | 6,346 |
| Total domestic deposits to total assets | 93.2584% | 52 |
| Equity capital to assets | 6.6804% | 6,289 |
| Core capital (leverage) ratio | 6.7225% | 6,264 |
| Tier 1 risk-based capital ratio | 27.3455% | 689 |
| Total risk-based capital ratio | 27.9931% | 717 |
| Memoranda: | ||
| Average total assets | $130,654,000 | 3,979 |
| Average earning assets | $120,437,000 | 3,963 |
| Average equity | $8,691,500 | 5,062 |
| Average total loans | $18,572,500 | 5,952 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7166% | 6,438 |
| Cost of funding earning assets | 0.0642% | 6,413 |
| Net interest margin | 1.6524% | 6,418 |
| Noninterest income to average assets | 0.4667% | 3,739 |
| Noninterest expense to average assets | 1.1318% | 6,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8547% | 3,091 |
| Return on assets (ROA) | 0.8547% | 3,192 |
| Pretax return on assets | 0.8547% | 4,052 |
| Return on Equity (ROE) | 11.9261% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.9261% | 305 |
| Net charge-offs to loans | 0.0398% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 119.5000% | 442 |
| Efficiency ratio | 56.9757% | 5,573 |
| Assets per employee ($millions) | 8.0613% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 4,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 15.0092% | 6,418 |
| Net loans and leases to deposits | 16.0853% | 6,434 |
| Net loans and leases to core deposits | 17.5198% | 6,422 |
| Total domestic deposits to total assets | 93.3099% | 54 |
| Equity capital to assets | 6.6235% | 6,367 |
| Core capital (leverage) ratio | 6.9034% | 6,326 |
| Tier 1 risk-based capital ratio | 25.2518% | 818 |
| Total risk-based capital ratio | 25.8643% | 860 |
| Memoranda: | ||
| Average total assets | $111,854,200 | 4,352 |
| Average earning assets | $102,878,400 | 4,331 |
| Average equity | $8,016,000 | 5,193 |
| Average total loans | $20,106,000 | 5,954 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7342% | 6,518 |
| Cost of funding earning assets | 0.0634% | 6,499 |
| Net interest margin | 1.6708% | 6,495 |
| Noninterest income to average assets | 0.4809% | 3,679 |
| Noninterest expense to average assets | 1.1762% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8403% | 3,231 |
| Return on assets (ROA) | 0.8403% | 3,319 |
| Pretax return on assets | 0.8403% | 4,218 |
| Return on Equity (ROE) | 11.4656% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.4656% | 463 |
| Net charge-offs to loans | 0.0395% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 112.9975% | 524 |
| Efficiency ratio | 58.3282% | 5,402 |
| Assets per employee ($millions) | 7.2317% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 5,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 17.2418% | 6,481 |
| Net loans and leases to deposits | 18.5507% | 6,502 |
| Net loans and leases to core deposits | 20.4737% | 6,487 |
| Total domestic deposits to total assets | 92.9442% | 81 |
| Equity capital to assets | 6.9503% | 6,390 |
| Core capital (leverage) ratio | 7.3565% | 6,316 |
| Tier 1 risk-based capital ratio | 24.0367% | 984 |
| Total risk-based capital ratio | 24.6451% | 1,049 |
| Memoranda: | ||
| Average total assets | $107,572,500 | 4,467 |
| Average earning assets | $98,872,000 | 4,465 |
| Average equity | $7,884,250 | 5,269 |
| Average total loans | $20,240,750 | 6,018 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7314% | 6,589 |
| Cost of funding earning assets | 0.0603% | 6,567 |
| Net interest margin | 1.6711% | 6,567 |
| Noninterest income to average assets | 0.4749% | 3,671 |
| Noninterest expense to average assets | 1.2130% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7953% | 3,360 |
| Return on assets (ROA) | 0.7953% | 3,457 |
| Pretax return on assets | 0.7953% | 4,290 |
| Return on Equity (ROE) | 10.6491% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.6491% | 590 |
| Net charge-offs to loans | 0.0296% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 432 |
| Efficiency ratio | 60.3989% | 5,234 |
| Assets per employee ($millions) | 6.6885% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 4,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 19.4083% | 6,520 |
| Net loans and leases to deposits | 21.1232% | 6,544 |
| Net loans and leases to core deposits | 23.7215% | 6,522 |
| Total domestic deposits to total assets | 91.8816% | 188 |
| Equity capital to assets | 8.0037% | 6,156 |
| Core capital (leverage) ratio | 7.8019% | 6,209 |
| Tier 1 risk-based capital ratio | 25.4425% | 826 |
| Total risk-based capital ratio | 26.1168% | 877 |
| Memoranda: | ||
| Average total assets | $104,861,000 | 4,558 |
| Average earning assets | $96,221,670 | 4,573 |
| Average equity | $7,831,670 | 5,305 |
| Average total loans | $20,267,670 | 6,067 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7316% | 6,665 |
| Cost of funding earning assets | 0.0655% | 6,636 |
| Net interest margin | 1.6661% | 6,642 |
| Noninterest income to average assets | 0.5003% | 3,407 |
| Noninterest expense to average assets | 1.1724% | 6,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8476% | 2,907 |
| Return on assets (ROA) | 0.8476% | 2,980 |
| Pretax return on assets | 0.8476% | 3,912 |
| Return on Equity (ROE) | 11.7426% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.7426% | 641 |
| Net charge-offs to loans | 0.0195% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 218 |
| Efficiency ratio | 58.0407% | 5,641 |
| Assets per employee ($millions) | 6.5185% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 5,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 19.4974% | 6,584 |
| Net loans and leases to deposits | 21.0913% | 6,609 |
| Net loans and leases to core deposits | 23.8570% | 6,584 |
| Total domestic deposits to total assets | 92.4427% | 174 |
| Equity capital to assets | 7.4758% | 6,322 |
| Core capital (leverage) ratio | 7.6482% | 6,287 |
| Tier 1 risk-based capital ratio | 24.0956% | 990 |
| Total risk-based capital ratio | 24.7559% | 1,053 |
| Memoranda: | ||
| Average total assets | $107,127,500 | 4,554 |
| Average earning assets | $97,714,000 | 4,576 |
| Average equity | $7,732,500 | 5,362 |
| Average total loans | $20,559,000 | 6,112 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7727% | 6,729 |
| Cost of funding earning assets | 0.0747% | 6,719 |
| Net interest margin | 1.6980% | 6,702 |
| Noninterest income to average assets | 0.5016% | 3,748 |
| Noninterest expense to average assets | 1.2851% | 6,688 |
| Loan and lease loss provision to assets | 0.0504% | 4,130 |
| Net operating income to assets | 0.7221% | 3,690 |
| Return on assets (ROA) | 0.7221% | 3,782 |
| Pretax return on assets | 0.7221% | 4,454 |
| Return on Equity (ROE) | 9.7679% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.7679% | 601 |
| Net charge-offs to loans | 0.0249% | 4,926 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 153.4000% | 302 |
| Efficiency ratio | 62.4572% | 5,131 |
| Assets per employee ($millions) | 6.4682% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 18.5087% | 6,687 |
| Net loans and leases to deposits | 19.9110% | 6,703 |
| Net loans and leases to core deposits | 22.3545% | 6,688 |
| Total domestic deposits to total assets | 92.9574% | 138 |
| Equity capital to assets | 6.9735% | 6,461 |
| Core capital (leverage) ratio | 7.3407% | 6,431 |
| Tier 1 risk-based capital ratio | 23.4315% | 1,028 |
| Total risk-based capital ratio | 24.0958% | 1,097 |
| Memoranda: | ||
| Average total assets | $99,292,000 | 4,757 |
| Average earning assets | $90,991,800 | 4,747 |
| Average equity | $7,340,400 | 5,488 |
| Average total loans | $20,114,800 | 6,197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7895% | 6,812 |
| Cost of funding earning assets | 0.0781% | 6,800 |
| Net interest margin | 1.7113% | 6,784 |
| Noninterest income to average assets | 0.5243% | 3,638 |
| Noninterest expense to average assets | 1.3178% | 6,732 |
| Loan and lease loss provision to assets | 0.0621% | 3,801 |
| Net operating income to assets | 0.7161% | 3,777 |
| Return on assets (ROA) | 0.7161% | 3,906 |
| Pretax return on assets | 0.7161% | 4,633 |
| Return on Equity (ROE) | 9.5334% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.5334% | 898 |
| Net charge-offs to loans | 0.0066% | 5,035 |
| Credit loss provision to net charge-offs | 4,500.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 565.3985% | 101 |
| Efficiency ratio | 62.8703% | 5,005 |
| Assets per employee ($millions) | 6.4283% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 21.5712% | 6,722 |
| Net loans and leases to deposits | 23.3766% | 6,759 |
| Net loans and leases to core deposits | 26.7321% | 6,733 |
| Total domestic deposits to total assets | 92.2769% | 208 |
| Equity capital to assets | 7.6101% | 6,348 |
| Core capital (leverage) ratio | 7.5405% | 6,433 |
| Tier 1 risk-based capital ratio | 23.6866% | 1,046 |
| Total risk-based capital ratio | 24.3760% | 1,107 |
| Memoranda: | ||
| Average total assets | $96,625,250 | 4,864 |
| Average earning assets | $88,738,750 | 4,852 |
| Average equity | $7,258,500 | 5,567 |
| Average total loans | $20,001,500 | 6,268 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7902% | 6,860 |
| Cost of funding earning assets | 0.0793% | 6,853 |
| Net interest margin | 1.7109% | 6,830 |
| Noninterest income to average assets | 0.5109% | 3,764 |
| Noninterest expense to average assets | 1.3279% | 6,771 |
| Loan and lease loss provision to assets | 0.0621% | 3,771 |
| Net operating income to assets | 0.6826% | 3,890 |
| Return on assets (ROA) | 0.6826% | 4,058 |
| Pretax return on assets | 0.6826% | 4,740 |
| Return on Equity (ROE) | 9.1261% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.1261% | 1,076 |
| Net charge-offs to loans | -0.0203% | 5,975 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0719% | 4,861 |
| Assets per employee ($millions) | 6.2132% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.1677% | 6,778 |
| Net loans and leases to deposits | 22.8795% | 6,813 |
| Net loans and leases to core deposits | 27.6987% | 6,757 |
| Total domestic deposits to total assets | 92.5179% | 180 |
| Equity capital to assets | 7.3795% | 6,481 |
| Core capital (leverage) ratio | 7.4338% | 6,483 |
| Tier 1 risk-based capital ratio | 12.6442% | 5,397 |
| Total risk-based capital ratio | 12.9992% | 5,917 |
| Memoranda: | ||
| Average total assets | $96,692,000 | 4,895 |
| Average earning assets | $88,258,330 | 4,893 |
| Average equity | $7,232,000 | 5,623 |
| Average total loans | $19,663,330 | 6,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8043% | 6,937 |
| Cost of funding earning assets | 0.0780% | 6,939 |
| Net interest margin | 1.7263% | 6,907 |
| Noninterest income to average assets | 0.5455% | 3,473 |
| Noninterest expense to average assets | 1.3511% | 6,848 |
| Loan and lease loss provision to assets | 0.0629% | 3,584 |
| Net operating income to assets | 0.7091% | 3,649 |
| Return on assets (ROA) | 0.7091% | 3,784 |
| Pretax return on assets | 0.7091% | 4,543 |
| Return on Equity (ROE) | 9.4150% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.4150% | 1,269 |
| Net charge-offs to loans | -0.0424% | 6,058 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 5,063 |
| Assets per employee ($millions) | 5.9772% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 21.8539% | 6,823 |
| Net loans and leases to deposits | 23.6621% | 6,865 |
| Net loans and leases to core deposits | 28.7669% | 6,786 |
| Total domestic deposits to total assets | 92.3584% | 195 |
| Equity capital to assets | 7.5652% | 6,571 |
| Core capital (leverage) ratio | 7.2399% | 6,568 |
| Tier 1 risk-based capital ratio | 12.6279% | 5,492 |
| Total risk-based capital ratio | 12.9637% | 6,054 |
| Memoranda: | ||
| Average total assets | $95,332,500 | 4,965 |
| Average earning assets | $87,125,000 | 4,954 |
| Average equity | $7,180,000 | 5,697 |
| Average total loans | $18,872,000 | 6,413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9670% | 6,992 |
| Cost of funding earning assets | 0.1357% | 6,951 |
| Net interest margin | 1.8313% | 6,957 |
| Noninterest income to average assets | 0.5398% | 3,647 |
| Noninterest expense to average assets | 1.3603% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8524% | 3,031 |
| Return on assets (ROA) | 0.8524% | 3,279 |
| Pretax return on assets | 0.8524% | 4,095 |
| Return on Equity (ROE) | 11.3920% | 1,685 |
| Retained earnings to average equity (ytd only) | 11.3920% | 396 |
| Net charge-offs to loans | 0.1115% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 40.8947% | 786 |
| Efficiency ratio | 61.4774% | 5,317 |
| Assets per employee ($millions) | 5.9394% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 5,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 17.3472% | 6,959 |
| Net loans and leases to deposits | 18.7699% | 6,984 |
| Net loans and leases to core deposits | 20.5019% | 6,970 |
| Total domestic deposits to total assets | 92.4203% | 180 |
| Equity capital to assets | 7.4976% | 6,635 |
| Core capital (leverage) ratio | 7.0184% | 6,696 |
| Tier 1 risk-based capital ratio | 27.9146% | 635 |
| Total risk-based capital ratio | 28.6061% | 654 |
| Memoranda: | ||
| Average total assets | $91,153,200 | 5,053 |
| Average earning assets | $83,274,400 | 5,039 |
| Average equity | $6,820,600 | 5,812 |
| Average total loans | $17,038,600 | 6,551 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0000% | 7,102 |
| Cost of funding earning assets | 0.1454% | 7,045 |
| Net interest margin | 1.8546% | 7,068 |
| Noninterest income to average assets | 0.5692% | 3,478 |
| Noninterest expense to average assets | 1.3690% | 7,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8974% | 2,995 |
| Return on assets (ROA) | 0.8974% | 3,225 |
| Pretax return on assets | 0.8974% | 4,111 |
| Return on Equity (ROE) | 11.9996% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.9996% | 530 |
| Net charge-offs to loans | 0.1245% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 37.9423% | 920 |
| Efficiency ratio | 60.4044% | 5,430 |
| Assets per employee ($millions) | 5.3614% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 16.8689% | 7,062 |
| Net loans and leases to deposits | 18.2944% | 7,088 |
| Net loans and leases to core deposits | 20.0647% | 7,078 |
| Total domestic deposits to total assets | 92.2079% | 185 |
| Equity capital to assets | 7.6659% | 6,722 |
| Core capital (leverage) ratio | 7.3375% | 6,701 |
| Tier 1 risk-based capital ratio | 30.6701% | 498 |
| Total risk-based capital ratio | 31.4627% | 507 |
| Memoranda: | ||
| Average total assets | $90,184,000 | 5,134 |
| Average earning assets | $82,532,500 | 5,105 |
| Average equity | $6,744,500 | 5,893 |
| Average total loans | $17,134,250 | 6,632 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0814% | 7,168 |
| Cost of funding earning assets | 0.1565% | 7,103 |
| Net interest margin | 1.9249% | 7,123 |
| Noninterest income to average assets | 0.5720% | 3,430 |
| Noninterest expense to average assets | 1.3888% | 7,059 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9347% | 2,741 |
| Return on assets (ROA) | 0.9347% | 3,002 |
| Pretax return on assets | 0.9347% | 3,943 |
| Return on Equity (ROE) | 12.6057% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.6057% | 490 |
| Net charge-offs to loans | 0.0453% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 406 |
| Efficiency ratio | 59.7701% | 5,614 |
| Assets per employee ($millions) | 5.5956% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 5,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 18.4843% | 7,102 |
| Net loans and leases to deposits | 20.0397% | 7,134 |
| Net loans and leases to core deposits | 23.0896% | 7,110 |
| Total domestic deposits to total assets | 92.2384% | 194 |
| Equity capital to assets | 7.6432% | 6,739 |
| Core capital (leverage) ratio | 7.4511% | 6,644 |
| Tier 1 risk-based capital ratio | 28.3886% | 619 |
| Total risk-based capital ratio | 29.1954% | 628 |
| Memoranda: | ||
| Average total assets | $89,864,000 | 5,172 |
| Average earning assets | $81,770,330 | 5,159 |
| Average equity | $6,663,670 | 5,943 |
| Average total loans | $17,662,670 | 6,664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1524% | 7,227 |
| Cost of funding earning assets | 0.1648% | 7,158 |
| Net interest margin | 1.9876% | 7,167 |
| Noninterest income to average assets | 0.5465% | 3,588 |
| Noninterest expense to average assets | 1.3995% | 7,116 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9686% | 2,599 |
| Return on assets (ROA) | 0.9686% | 2,802 |
| Pretax return on assets | 0.9686% | 3,800 |
| Return on Equity (ROE) | 13.2644% | 1,331 |
| Retained earnings to average equity (ytd only) | 13.2644% | 647 |
| Net charge-offs to loans | 0.0441% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 319 |
| Efficiency ratio | 59.0994% | 5,755 |
| Assets per employee ($millions) | 5.5502% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 20.0601% | 7,140 |
| Net loans and leases to deposits | 21.7024% | 7,172 |
| Net loans and leases to core deposits | 26.6091% | 7,123 |
| Total domestic deposits to total assets | 92.4327% | 196 |
| Equity capital to assets | 7.4795% | 6,787 |
| Core capital (leverage) ratio | 7.1058% | 6,800 |
| Tier 1 risk-based capital ratio | 26.1770% | 791 |
| Total risk-based capital ratio | 26.9528% | 813 |
| Memoranda: | ||
| Average total assets | $90,031,000 | 5,206 |
| Average earning assets | $82,513,500 | 5,181 |
| Average equity | $6,574,000 | 6,003 |
| Average total loans | $18,126,500 | 6,702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8450% | 7,211 |
| Cost of funding earning assets | 0.2853% | 7,125 |
| Net interest margin | 2.5597% | 7,023 |
| Noninterest income to average assets | 0.6482% | 2,898 |
| Noninterest expense to average assets | 1.6658% | 7,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3090% | 1,222 |
| Return on assets (ROA) | 1.4428% | 1,018 |
| Pretax return on assets | 1.4428% | 1,645 |
| Return on Equity (ROE) | 17.1990% | 454 |
| Retained earnings to average equity (ytd only) | 17.1990% | 79 |
| Net charge-offs to loans | 0.0380% | 5,938 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 134.1429% | 251 |
| Efficiency ratio | 55.9981% | 6,316 |
| Assets per employee ($millions) | 5.7037% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 19.7898% | 7,209 |
| Net loans and leases to deposits | 21.3281% | 7,240 |
| Net loans and leases to core deposits | 23.9361% | 7,215 |
| Total domestic deposits to total assets | 92.7876% | 149 |
| Equity capital to assets | 7.1292% | 6,932 |
| Core capital (leverage) ratio | 8.7037% | 5,244 |
| Tier 1 risk-based capital ratio | 24.6708% | 906 |
| Total risk-based capital ratio | 25.4359% | 938 |
| Memoranda: | ||
| Average total assets | $71,736,800 | 5,699 |
| Average earning assets | $65,202,600 | 5,695 |
| Average equity | $6,017,800 | 6,153 |
| Average total loans | $18,440,000 | 6,737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0407% | 7,253 |
| Cost of funding earning assets | 0.3232% | 7,175 |
| Net interest margin | 2.7175% | 6,976 |
| Noninterest income to average assets | 0.7100% | 2,541 |
| Noninterest expense to average assets | 1.8347% | 6,944 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3402% | 1,286 |
| Return on assets (ROA) | 1.5316% | 951 |
| Pretax return on assets | 1.5316% | 1,573 |
| Return on Equity (ROE) | 17.3679% | 529 |
| Retained earnings to average equity (ytd only) | 17.3679% | 134 |
| Net charge-offs to loans | 0.0216% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 223.9950% | 177 |
| Efficiency ratio | 57.7889% | 6,045 |
| Assets per employee ($millions) | 4.2821% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 6,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 27.1404% | 7,170 |
| Net loans and leases to deposits | 29.9707% | 7,221 |
| Net loans and leases to core deposits | 35.8168% | 7,123 |
| Total domestic deposits to total assets | 90.5567% | 605 |
| Equity capital to assets | 9.2550% | 5,442 |
| Core capital (leverage) ratio | 8.6469% | 5,485 |
| Tier 1 risk-based capital ratio | 17.1341% | 2,591 |
| Total risk-based capital ratio | 17.7043% | 2,850 |
| Memoranda: | ||
| Average total assets | $66,856,250 | 5,881 |
| Average earning assets | $60,641,750 | 5,883 |
| Average equity | $5,895,750 | 6,224 |
| Average total loans | $18,487,250 | 6,796 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0689% | 7,320 |
| Cost of funding earning assets | 0.3399% | 7,248 |
| Net interest margin | 2.7290% | 6,998 |
| Noninterest income to average assets | 0.7149% | 2,460 |
| Noninterest expense to average assets | 1.8400% | 7,031 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3695% | 1,150 |
| Return on assets (ROA) | 1.6590% | 694 |
| Pretax return on assets | 1.6590% | 1,137 |
| Return on Equity (ROE) | 19.1393% | 374 |
| Retained earnings to average equity (ytd only) | 19.1393% | 113 |
| Net charge-offs to loans | 0.0435% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 316 |
| Efficiency ratio | 57.3308% | 6,251 |
| Assets per employee ($millions) | 4.2381% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 6,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 26.8795% | 7,265 |
| Net loans and leases to deposits | 29.5778% | 7,311 |
| Net loans and leases to core deposits | 35.6721% | 7,227 |
| Total domestic deposits to total assets | 90.8775% | 549 |
| Equity capital to assets | 8.9441% | 5,660 |
| Core capital (leverage) ratio | 8.3740% | 5,748 |
| Tier 1 risk-based capital ratio | 15.7499% | 3,107 |
| Total risk-based capital ratio | 16.2916% | 3,445 |
| Memoranda: | ||
| Average total assets | $66,303,670 | 5,950 |
| Average earning assets | $60,608,000 | 5,932 |
| Average equity | $5,747,330 | 6,306 |
| Average total loans | $18,386,330 | 6,867 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1404% | 7,361 |
| Cost of funding earning assets | 0.3415% | 7,329 |
| Net interest margin | 2.7989% | 6,907 |
| Noninterest income to average assets | 0.7201% | 2,453 |
| Noninterest expense to average assets | 1.9039% | 6,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3669% | 1,125 |
| Return on assets (ROA) | 1.9527% | 388 |
| Pretax return on assets | 1.9527% | 601 |
| Return on Equity (ROE) | 22.9042% | 217 |
| Retained earnings to average equity (ytd only) | 22.9042% | 126 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2090% | 6,243 |
| Assets per employee ($millions) | 4.2174% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 6,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 26.8321% | 7,322 |
| Net loans and leases to deposits | 29.3595% | 7,365 |
| Net loans and leases to core deposits | 34.7998% | 7,290 |
| Total domestic deposits to total assets | 91.3914% | 447 |
| Equity capital to assets | 8.4678% | 5,955 |
| Core capital (leverage) ratio | 8.0984% | 6,132 |
| Tier 1 risk-based capital ratio | 15.8932% | 2,957 |
| Total risk-based capital ratio | 16.4748% | 3,261 |
| Memoranda: | ||
| Average total assets | $65,550,500 | 6,008 |
| Average earning assets | $59,737,500 | 6,005 |
| Average equity | $5,588,500 | 6,367 |
| Average total loans | $18,369,000 | 6,917 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 7,399 |
| Cost of funding earning assets | 0.5360% | 7,248 |
| Net interest margin | 2.9363% | 6,842 |
| Noninterest income to average assets | 1.0814% | 1,279 |
| Noninterest expense to average assets | 1.9662% | 7,075 |
| Loan and lease loss provision to assets | 0.1499% | 5,698 |
| Net operating income to assets | 1.6052% | 614 |
| Return on assets (ROA) | 1.6052% | 662 |
| Pretax return on assets | 1.6052% | 1,117 |
| Return on Equity (ROE) | 19.1244% | 308 |
| Retained earnings to average equity (ytd only) | 12.7688% | 224 |
| Net charge-offs to loans | 0.4101% | 3,989 |
| Credit loss provision to net charge-offs | 138.8060% | 2,743 |
| Earnings coverage of net charge-offs (x) | 16.2537% | 1,218 |
| Efficiency ratio | 52.8367% | 6,909 |
| Assets per employee ($millions) | 3.9764% | 3,836 |
| Cash dividends to net income (ytd only)* | 33.2329% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.6630% | 7,387 |
| Net loans and leases to deposits | 31.4046% | 7,440 |
| Net loans and leases to core deposits | 37.6217% | 7,360 |
| Total domestic deposits to total assets | 91.2703% | 475 |
| Equity capital to assets | 8.5867% | 5,742 |
| Core capital (leverage) ratio | 8.0651% | 6,085 |
| Tier 1 risk-based capital ratio | 15.6946% | 2,897 |
| Total risk-based capital ratio | 16.3050% | 3,166 |
| Memoranda: | ||
| Average total assets | $62,048,000 | 6,122 |
| Average earning assets | $55,785,200 | 6,138 |
| Average equity | $5,208,000 | 6,593 |
| Average total loans | $16,338,000 | 7,100 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 7,522 |
| Cost of funding earning assets | 0.5728% | 7,338 |
| Net interest margin | 2.9553% | 6,919 |
| Noninterest income to average assets | 1.1764% | 1,004 |
| Noninterest expense to average assets | 1.9679% | 7,103 |
| Loan and lease loss provision to assets | 0.1362% | 5,665 |
| Net operating income to assets | 1.7279% | 589 |
| Return on assets (ROA) | 1.7279% | 640 |
| Pretax return on assets | 1.7279% | 1,056 |
| Return on Equity (ROE) | 20.7088% | 273 |
| Retained earnings to average equity (ytd only) | 20.7088% | 71 |
| Net charge-offs to loans | 0.5565% | 3,084 |
| Credit loss provision to net charge-offs | 95.4545% | 4,545 |
| Earnings coverage of net charge-offs (x) | 13.0602% | 1,624 |
| Efficiency ratio | 51.3544% | 7,043 |
| Assets per employee ($millions) | 3.9306% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 6,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 26.2840% | 7,537 |
| Net loans and leases to deposits | 29.0036% | 7,575 |
| Net loans and leases to core deposits | 33.6989% | 7,539 |
| Total domestic deposits to total assets | 90.6233% | 584 |
| Equity capital to assets | 9.1620% | 5,366 |
| Core capital (leverage) ratio | 8.3124% | 5,848 |
| Tier 1 risk-based capital ratio | 18.3850% | 1,905 |
| Total risk-based capital ratio | 18.9799% | 2,065 |
| Memoranda: | ||
| Average total assets | $61,654,500 | 6,205 |
| Average earning assets | $55,401,250 | 6,220 |
| Average equity | $5,144,250 | 6,705 |
| Average total loans | $15,814,000 | 7,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 7,585 |
| Cost of funding earning assets | 0.6182% | 7,371 |
| Net interest margin | 2.9490% | 6,937 |
| Noninterest income to average assets | 0.8981% | 1,694 |
| Noninterest expense to average assets | 1.9953% | 7,120 |
| Loan and lease loss provision to assets | 0.1959% | 4,913 |
| Net operating income to assets | 1.3553% | 1,182 |
| Return on assets (ROA) | 1.3553% | 1,253 |
| Pretax return on assets | 1.3553% | 1,935 |
| Return on Equity (ROE) | 16.8073% | 594 |
| Retained earnings to average equity (ytd only) | 16.8073% | 164 |
| Net charge-offs to loans | -0.0773% | 7,519 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2615% | 6,606 |
| Assets per employee ($millions) | 4.0814% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 3,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 24.0636% | 7,642 |
| Net loans and leases to deposits | 26.2101% | 7,686 |
| Net loans and leases to core deposits | 31.5745% | 7,634 |
| Total domestic deposits to total assets | 91.8104% | 260 |
| Equity capital to assets | 7.9936% | 6,757 |
| Core capital (leverage) ratio | 7.7900% | 6,511 |
| Tier 1 risk-based capital ratio | 17.0646% | 2,255 |
| Total risk-based capital ratio | 17.9039% | 2,368 |
| Memoranda: | ||
| Average total assets | $61,242,670 | 6,256 |
| Average earning assets | $55,002,330 | 6,281 |
| Average equity | $4,938,330 | 6,799 |
| Average total loans | $15,519,000 | 7,286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 7,669 |
| Cost of funding earning assets | 0.6599% | 7,415 |
| Net interest margin | 2.9658% | 6,904 |
| Noninterest income to average assets | 0.9187% | 1,560 |
| Noninterest expense to average assets | 2.0604% | 7,036 |
| Loan and lease loss provision to assets | 0.2027% | 4,474 |
| Net operating income to assets | 1.2970% | 1,307 |
| Return on assets (ROA) | 1.2970% | 1,374 |
| Pretax return on assets | 1.2970% | 2,057 |
| Return on Equity (ROE) | 16.0083% | 716 |
| Retained earnings to average equity (ytd only) | 16.0083% | 340 |
| Net charge-offs to loans | -0.1568% | 7,624 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8748% | 6,504 |
| Assets per employee ($millions) | 3.8829% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 23.8817% | 7,729 |
| Net loans and leases to deposits | 25.9615% | 7,780 |
| Net loans and leases to core deposits | 30.4355% | 7,740 |
| Total domestic deposits to total assets | 91.9890% | 243 |
| Equity capital to assets | 7.8484% | 6,811 |
| Core capital (leverage) ratio | 7.8703% | 6,416 |
| Tier 1 risk-based capital ratio | 17.0255% | 2,263 |
| Total risk-based capital ratio | 17.7924% | 2,382 |
| Memoranda: | ||
| Average total assets | $59,213,000 | 6,419 |
| Average earning assets | $52,734,500 | 6,450 |
| Average equity | $4,797,500 | 6,912 |
| Average total loans | $15,302,500 | 7,387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 7,419 |
| Cost of funding earning assets | 0.9315% | 7,341 |
| Net interest margin | 3.5247% | 4,842 |
| Noninterest income to average assets | 1.1721% | 1,117 |
| Noninterest expense to average assets | 2.4910% | 6,163 |
| Loan and lease loss provision to assets | 0.1702% | 5,987 |
| Net operating income to assets | 1.6018% | 549 |
| Return on assets (ROA) | 1.6018% | 581 |
| Pretax return on assets | 1.6018% | 964 |
| Return on Equity (ROE) | 15.5791% | 597 |
| Retained earnings to average equity (ytd only) | 3.4551% | 2,751 |
| Net charge-offs to loans | 0.4936% | 3,796 |
| Credit loss provision to net charge-offs | 105.2632% | 5,260 |
| Earnings coverage of net charge-offs (x) | 10.9605% | 1,638 |
| Efficiency ratio | 58.4331% | 6,703 |
| Assets per employee ($millions) | 3.7533% | 4,388 |
| Cash dividends to net income (ytd only)* | 77.8220% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 27.3326% | 7,761 |
| Net loans and leases to deposits | 29.8814% | 7,813 |
| Net loans and leases to core deposits | 42.7908% | 7,723 |
| Total domestic deposits to total assets | 91.4705% | 387 |
| Equity capital to assets | 8.3820% | 6,077 |
| Core capital (leverage) ratio | 8.6431% | 5,027 |
| Tier 1 risk-based capital ratio | 19.3697% | 1,577 |
| Total risk-based capital ratio | 20.1226% | 1,651 |
| Memoranda: | ||
| Average total assets | $47,010,000 | 6,829 |
| Average earning assets | $41,223,600 | 6,898 |
| Average equity | $4,833,400 | 7,009 |
| Average total loans | $15,397,200 | 7,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 7,298 |
| Cost of funding earning assets | 0.9958% | 7,396 |
| Net interest margin | 3.6942% | 4,102 |
| Noninterest income to average assets | 1.2024% | 1,064 |
| Noninterest expense to average assets | 2.6226% | 5,631 |
| Loan and lease loss provision to assets | 0.2088% | 5,310 |
| Net operating income to assets | 1.6141% | 649 |
| Return on assets (ROA) | 1.6141% | 697 |
| Pretax return on assets | 1.6141% | 1,147 |
| Return on Equity (ROE) | 14.8359% | 793 |
| Retained earnings to average equity (ytd only) | 9.7351% | 685 |
| Net charge-offs to loans | 0.6946% | 2,611 |
| Credit loss provision to net charge-offs | 87.5000% | 5,551 |
| Earnings coverage of net charge-offs (x) | 7.6378% | 2,377 |
| Efficiency ratio | 58.9933% | 6,570 |
| Assets per employee ($millions) | 3.1658% | 5,738 |
| Cash dividends to net income (ytd only)* | 34.3800% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,118 |
| Loan loss allowance to noncurrent loans | 3,160.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 7,570 |
| Noncurrent loans to loans | 0.0326% | 7,429 |
| Net loans and leases to total assets | 32.0130% | 7,752 |
| Net loans and leases to deposits | 35.8944% | 7,827 |
| Net loans and leases to core deposits | 49.5082% | 7,696 |
| Total domestic deposits to total assets | 89.1865% | 1,108 |
| Equity capital to assets | 10.5376% | 3,472 |
| Core capital (leverage) ratio | 9.8151% | 3,502 |
| Tier 1 risk-based capital ratio | 20.7028% | 1,420 |
| Total risk-based capital ratio | 21.4119% | 1,477 |
| Memoranda: | ||
| Average total assets | $44,687,750 | 6,978 |
| Average earning assets | $39,232,250 | 7,025 |
| Average equity | $4,862,000 | 7,057 |
| Average total loans | $15,356,500 | 7,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 7,128 |
| Cost of funding earning assets | 1.0656% | 7,443 |
| Net interest margin | 3.7876% | 3,599 |
| Noninterest income to average assets | 1.2296% | 1,024 |
| Noninterest expense to average assets | 2.7151% | 5,325 |
| Loan and lease loss provision to assets | 0.0914% | 6,257 |
| Net operating income to assets | 1.7050% | 558 |
| Return on assets (ROA) | 1.7050% | 606 |
| Pretax return on assets | 1.7050% | 1,002 |
| Return on Equity (ROE) | 15.4943% | 756 |
| Retained earnings to average equity (ytd only) | 9.8449% | 765 |
| Net charge-offs to loans | 0.0651% | 5,585 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 78.6000% | 487 |
| Efficiency ratio | 60.1824% | 6,521 |
| Assets per employee ($millions) | 2.9950% | 6,146 |
| Cash dividends to net income (ytd only)* | 36.4611% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,069 |
| Loan loss allowance to noncurrent loans | 273.1343% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 7,158 |
| Noncurrent loans to loans | 0.4325% | 6,436 |
| Net loans and leases to total assets | 36.5109% | 7,688 |
| Net loans and leases to deposits | 41.5103% | 7,772 |
| Net loans and leases to core deposits | 62.0400% | 7,379 |
| Total domestic deposits to total assets | 87.9561% | 1,796 |
| Equity capital to assets | 11.6861% | 2,396 |
| Core capital (leverage) ratio | 10.2151% | 3,079 |
| Tier 1 risk-based capital ratio | 22.9720% | 1,136 |
| Total risk-based capital ratio | 23.9068% | 1,140 |
| Memoranda: | ||
| Average total assets | $43,754,670 | 7,063 |
| Average earning assets | $37,913,330 | 7,133 |
| Average equity | $4,814,670 | 7,136 |
| Average total loans | $15,355,330 | 7,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 7,100 |
| Cost of funding earning assets | 1.1005% | 7,522 |
| Net interest margin | 3.8306% | 3,334 |
| Noninterest income to average assets | 1.2716% | 885 |
| Noninterest expense to average assets | 2.5074% | 5,810 |
| Loan and lease loss provision to assets | 0.0358% | 6,498 |
| Net operating income to assets | 1.9701% | 368 |
| Return on assets (ROA) | 1.9701% | 419 |
| Pretax return on assets | 1.9701% | 700 |
| Return on Equity (ROE) | 18.4409% | 555 |
| Retained earnings to average equity (ytd only) | 18.4409% | 220 |
| Net charge-offs to loans | 0.0523% | 4,737 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 389 |
| Efficiency ratio | 55.5556% | 7,025 |
| Assets per employee ($millions) | 3.0551% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 34.9736% | 7,764 |
| Net loans and leases to deposits | 39.1877% | 7,865 |
| Net loans and leases to core deposits | 56.6285% | 7,588 |
| Total domestic deposits to total assets | 89.2463% | 1,119 |
| Equity capital to assets | 10.5508% | 3,412 |
| Core capital (leverage) ratio | 10.0451% | 3,359 |
| Tier 1 risk-based capital ratio | 21.4491% | 1,375 |
| Total risk-based capital ratio | 22.2680% | 1,419 |
| Memoranda: | ||
| Average total assets | $44,667,000 | 7,075 |
| Average earning assets | $37,801,000 | 7,183 |
| Average equity | $4,772,000 | 7,197 |
| Average total loans | $15,287,000 | 7,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5596% | 7,179 |
| Cost of funding earning assets | 1.7319% | 7,181 |
| Net interest margin | 3.8277% | 3,905 |
| Noninterest income to average assets | 1.3740% | 762 |
| Noninterest expense to average assets | 2.6259% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1864% | 248 |
| Return on assets (ROA) | 2.1864% | 242 |
| Pretax return on assets | 2.1864% | 411 |
| Return on Equity (ROE) | 20.9214% | 308 |
| Retained earnings to average equity (ytd only) | 2.4225% | 3,692 |
| Net charge-offs to loans | 0.0072% | 6,851 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 950.0000% | 50 |
| Efficiency ratio | 54.5672% | 7,204 |
| Assets per employee ($millions) | 2.7193% | 6,741 |
| Cash dividends to net income (ytd only)* | 88.4211% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 4,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 32.6561% | 7,926 |
| Net loans and leases to deposits | 36.7113% | 8,006 |
| Net loans and leases to core deposits | 50.7682% | 7,868 |
| Total domestic deposits to total assets | 88.9538% | 1,064 |
| Equity capital to assets | 10.8233% | 3,187 |
| Core capital (leverage) ratio | 9.6352% | 3,841 |
| Tier 1 risk-based capital ratio | 21.7311% | 1,351 |
| Total risk-based capital ratio | 22.5885% | 1,378 |
| Memoranda: | ||
| Average total assets | $43,451,000 | 7,058 |
| Average earning assets | $39,031,600 | 7,083 |
| Average equity | $4,540,800 | 7,318 |
| Average total loans | $13,845,800 | 7,713 |