Home > Texas Financial Bank > Performance and Condition Ratios
Texas Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,110 |
| Cost of funding earning assets | 0.1732% | 4,454 |
| Net interest margin | 3.6920% | 1,777 |
| Noninterest income to average assets | -0.1700% | 4,588 |
| Noninterest expense to average assets | 2.3450% | 2,730 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8578% | 2,681 |
| Return on assets (ROA) | 0.8578% | 2,654 |
| Pretax return on assets | 1.0518% | 2,529 |
| Return on Equity (ROE) | 8.4800% | 2,898 |
| Retained earnings to average equity (ytd only) | -1.2303% | 4,204 |
| Net charge-offs to loans | 0.0123% | 2,191 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,572 |
| Earnings coverage of net charge-offs (x) | 308.7500% | 426 |
| Efficiency ratio | 69.8780% | 1,895 |
| Assets per employee ($millions) | 6.0471% | 2,777 |
| Cash dividends to net income (ytd only)* | 114.5038% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,106 |
| 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 | 24.8500% | 4,371 |
| Net loans and leases to deposits | 27.6885% | 4,379 |
| Net loans and leases to core deposits | 29.1807% | 4,403 |
| Total domestic deposits to total assets | 89.7500% | 825 |
| Equity capital to assets | 10.0425% | 1,978 |
| Core capital (leverage) ratio | 10.3977% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,174,200 | 3,632 |
| Average earning assets | $116,603,000 | 3,578 |
| Average equity | $12,355,000 | 3,493 |
| Average total loans | $32,566,000 | 4,103 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,207 |
| Cost of funding earning assets | 0.1499% | 4,477 |
| Net interest margin | 3.5563% | 2,099 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.3399% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5243% | 1,074 |
| Return on assets (ROA) | 1.5243% | 1,064 |
| Pretax return on assets | 1.8880% | 874 |
| Return on Equity (ROE) | 15.0500% | 1,433 |
| Retained earnings to average equity (ytd only) | 15.0459% | 548 |
| Net charge-offs to loans | 0.0163% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 428.2500% | 343 |
| Efficiency ratio | 55.3441% | 3,458 |
| Assets per employee ($millions) | 5.9049% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 893 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.1100% | 4,379 |
| Net loans and leases to deposits | 29.2431% | 4,388 |
| Net loans and leases to core deposits | 30.8625% | 4,375 |
| Total domestic deposits to total assets | 89.2900% | 1,159 |
| Equity capital to assets | 10.4563% | 1,572 |
| Core capital (leverage) ratio | 12.2383% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $120,970,250 | 3,657 |
| Average earning assets | $115,624,500 | 3,601 |
| Average equity | $12,255,500 | 3,506 |
| Average total loans | $32,699,750 | 4,115 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 4,249 |
| Cost of funding earning assets | 0.1201% | 4,501 |
| Net interest margin | 3.4802% | 2,313 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.3558% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4705% | 1,166 |
| Return on assets (ROA) | 1.4705% | 1,151 |
| Pretax return on assets | 1.8023% | 1,003 |
| Return on Equity (ROE) | 14.6800% | 1,531 |
| Retained earnings to average equity (ytd only) | 14.6772% | 601 |
| Net charge-offs to loans | 0.0245% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 270.2500% | 490 |
| Efficiency ratio | 56.6560% | 3,337 |
| Assets per employee ($millions) | 5.8250% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 918 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 27.5500% | 4,370 |
| Net loans and leases to deposits | 30.9513% | 4,387 |
| Net loans and leases to core deposits | 32.7915% | 4,376 |
| Total domestic deposits to total assets | 89.0100% | 1,255 |
| Equity capital to assets | 10.7116% | 1,505 |
| Core capital (leverage) ratio | 11.9292% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $119,959,667 | 3,679 |
| Average earning assets | $114,935,000 | 3,620 |
| Average equity | $12,018,667 | 3,535 |
| Average total loans | $32,631,333 | 4,129 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4769% | 4,294 |
| Cost of funding earning assets | 0.0958% | 4,538 |
| Net interest margin | 3.3811% | 2,684 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.2746% | 2,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4956% | 1,193 |
| Return on assets (ROA) | 1.4956% | 1,174 |
| Pretax return on assets | 1.7816% | 1,104 |
| Return on Equity (ROE) | 15.4400% | 1,471 |
| Retained earnings to average equity (ytd only) | 15.4388% | 745 |
| Net charge-offs to loans | -0.0123% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.0778% | 3,404 |
| Assets per employee ($millions) | 6.0180% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 26.3900% | 4,438 |
| Net loans and leases to deposits | 29.3709% | 4,457 |
| Net loans and leases to core deposits | 31.1230% | 4,442 |
| Total domestic deposits to total assets | 89.8500% | 1,213 |
| Equity capital to assets | 10.0307% | 1,808 |
| Core capital (leverage) ratio | 11.0955% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,689,500 | 3,705 |
| Average earning assets | $116,884,500 | 3,649 |
| Average equity | $11,788,500 | 3,590 |
| Average total loans | $32,637,500 | 4,189 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5421% | 4,485 |
| Cost of funding earning assets | 0.0458% | 4,583 |
| Net interest margin | 2.4963% | 4,294 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.0926% | 3,315 |
| Loan and lease loss provision to assets | -0.1800% | 4,615 |
| Net operating income to assets | 1.0064% | 2,544 |
| Return on assets (ROA) | 1.0064% | 2,491 |
| Pretax return on assets | 1.2676% | 2,208 |
| Return on Equity (ROE) | 11.1000% | 2,444 |
| Retained earnings to average equity (ytd only) | 11.0958% | 863 |
| Net charge-offs to loans | 0.0141% | 1,856 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,705 |
| Earnings coverage of net charge-offs (x) | 266.6000% | 533 |
| Efficiency ratio | 65.8643% | 2,246 |
| Assets per employee ($millions) | 5.5918% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 967 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 26.3800% | 4,469 |
| Net loans and leases to deposits | 29.1670% | 4,486 |
| Net loans and leases to core deposits | 30.4649% | 4,479 |
| Total domestic deposits to total assets | 90.4500% | 1,171 |
| Equity capital to assets | 9.3514% | 2,108 |
| Core capital (leverage) ratio | 10.3302% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $122,910,600 | 3,700 |
| Average earning assets | $117,893,400 | 3,646 |
| Average equity | $11,148,400 | 3,749 |
| Average total loans | $35,519,800 | 4,148 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3410% | 4,522 |
| Cost of funding earning assets | 0.0373% | 4,621 |
| Net interest margin | 2.3037% | 4,401 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 1.9791% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7888% | 3,306 |
| Return on assets (ROA) | 0.7888% | 3,254 |
| Pretax return on assets | 0.9928% | 3,037 |
| Return on Equity (ROE) | 8.7600% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.7645% | 1,737 |
| Net charge-offs to loans | 0.0074% | 1,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 457.5000% | 343 |
| Efficiency ratio | 66.5936% | 2,205 |
| Assets per employee ($millions) | 5.9968% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 374 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.3100% | 4,476 |
| Net loans and leases to deposits | 29.9669% | 4,499 |
| Net loans and leases to core deposits | 31.9369% | 4,480 |
| Total domestic deposits to total assets | 91.1300% | 1,185 |
| Equity capital to assets | 8.6920% | 2,414 |
| Core capital (leverage) ratio | 10.2228% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $122,883,500 | 3,729 |
| Average earning assets | $117,836,750 | 3,672 |
| Average equity | $11,059,500 | 3,800 |
| Average total loans | $36,154,000 | 4,154 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2483% | 4,544 |
| Cost of funding earning assets | 0.0377% | 4,662 |
| Net interest margin | 2.2106% | 4,415 |
| Noninterest income to average assets | 0.7943% | 1,059 |
| Noninterest expense to average assets | 2.0957% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6482% | 3,481 |
| Return on assets (ROA) | 0.6482% | 3,432 |
| Pretax return on assets | 0.8173% | 3,280 |
| Return on Equity (ROE) | 7.1188% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.1188% | 1,947 |
| Net charge-offs to loans | 0.0110% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 473 |
| Efficiency ratio | 71.9437% | 1,735 |
| Assets per employee ($millions) | 6.1874% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0472% | 507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 29.3090% | 4,484 |
| Net loans and leases to deposits | 32.1665% | 4,497 |
| Net loans and leases to core deposits | 34.3177% | 4,472 |
| Total domestic deposits to total assets | 91.1166% | 1,177 |
| Equity capital to assets | 8.7509% | 2,569 |
| Core capital (leverage) ratio | 9.8563% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,867,333 | 3,783 |
| Average earning assets | $116,799,667 | 3,739 |
| Average equity | $11,097,333 | 3,880 |
| Average total loans | $36,489,333 | 4,204 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1315% | 4,565 |
| Cost of funding earning assets | 0.0379% | 4,673 |
| Net interest margin | 2.0936% | 4,452 |
| Noninterest income to average assets | 0.8203% | 993 |
| Noninterest expense to average assets | 2.2129% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4829% | 3,753 |
| Return on assets (ROA) | 0.4829% | 3,719 |
| Pretax return on assets | 0.6152% | 3,593 |
| Return on Equity (ROE) | 5.1997% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.1997% | 2,512 |
| Net charge-offs to loans | 0.0110% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 455 |
| Efficiency ratio | 78.2456% | 1,291 |
| Assets per employee ($millions) | 6.0266% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1126% | 508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,216 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 27.7886% | 4,517 |
| Net loans and leases to deposits | 30.5030% | 4,537 |
| Net loans and leases to core deposits | 32.5268% | 4,517 |
| Total domestic deposits to total assets | 91.1014% | 982 |
| Equity capital to assets | 8.7793% | 2,900 |
| Core capital (leverage) ratio | 9.5282% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,927,500 | 3,806 |
| Average earning assets | $115,973,000 | 3,769 |
| Average equity | $11,231,500 | 3,935 |
| Average total loans | $36,220,500 | 4,225 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4602% | 4,510 |
| Cost of funding earning assets | 0.0463% | 4,701 |
| Net interest margin | 2.4139% | 4,310 |
| Noninterest income to average assets | 0.8082% | 1,427 |
| Noninterest expense to average assets | 2.4016% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5775% | 3,925 |
| Return on assets (ROA) | 0.5775% | 3,969 |
| Pretax return on assets | 0.7211% | 3,886 |
| Return on Equity (ROE) | 5.9810% | 3,779 |
| Retained earnings to average equity (ytd only) | 2.4420% | 3,843 |
| Net charge-offs to loans | 0.0150% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 702 |
| Efficiency ratio | 76.9083% | 1,036 |
| Assets per employee ($millions) | 5.4903% | 3,264 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 2,256 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 31.0097% | 4,482 |
| Net loans and leases to deposits | 34.4478% | 4,516 |
| Net loans and leases to core deposits | 37.0390% | 4,491 |
| Total domestic deposits to total assets | 90.0196% | 946 |
| Equity capital to assets | 9.8460% | 2,807 |
| Core capital (leverage) ratio | 10.0108% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,046,600 | 3,831 |
| Average earning assets | $112,227,000 | 3,786 |
| Average equity | $11,302,400 | 4,006 |
| Average total loans | $39,890,400 | 4,190 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5338% | 4,550 |
| Cost of funding earning assets | 0.0485% | 4,780 |
| Net interest margin | 2.4852% | 4,302 |
| Noninterest income to average assets | 0.8035% | 1,517 |
| Noninterest expense to average assets | 2.4037% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6242% | 3,964 |
| Return on assets (ROA) | 0.6242% | 4,014 |
| Pretax return on assets | 0.7819% | 3,924 |
| Return on Equity (ROE) | 6.4953% | 3,798 |
| Retained earnings to average equity (ytd only) | 1.7714% | 4,252 |
| Net charge-offs to loans | 0.0164% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 137.8000% | 713 |
| Efficiency ratio | 75.4542% | 1,079 |
| Assets per employee ($millions) | 6.0676% | 2,626 |
| Cash dividends to net income (ytd only)* | 72.7273% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 2,467 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.4475% | 4,490 |
| Net loans and leases to deposits | 37.2194% | 4,538 |
| Net loans and leases to core deposits | 40.0241% | 4,512 |
| Total domestic deposits to total assets | 89.8660% | 827 |
| Equity capital to assets | 9.9467% | 2,952 |
| Core capital (leverage) ratio | 9.9318% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,484,250 | 3,873 |
| Average earning assets | $112,608,500 | 3,824 |
| Average equity | $11,290,000 | 4,057 |
| Average total loans | $40,734,750 | 4,231 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6580% | 4,498 |
| Cost of funding earning assets | 0.0511% | 4,819 |
| Net interest margin | 2.6069% | 4,155 |
| Noninterest income to average assets | 0.8036% | 1,524 |
| Noninterest expense to average assets | 2.4582% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6767% | 3,813 |
| Return on assets (ROA) | 0.6767% | 3,884 |
| Pretax return on assets | 0.8476% | 3,775 |
| Return on Equity (ROE) | 7.1231% | 3,628 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,512 |
| Net charge-offs to loans | 0.0097% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 250.5000% | 432 |
| Efficiency ratio | 74.3603% | 1,220 |
| Assets per employee ($millions) | 5.9161% | 2,699 |
| Cash dividends to net income (ytd only)* | 100.0000% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 2,658 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 34.2252% | 4,533 |
| Net loans and leases to deposits | 37.8545% | 4,584 |
| Net loans and leases to core deposits | 40.4883% | 4,569 |
| Total domestic deposits to total assets | 90.4126% | 595 |
| Equity capital to assets | 9.4429% | 3,390 |
| Core capital (leverage) ratio | 9.6624% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,217,333 | 3,877 |
| Average earning assets | $113,468,333 | 3,813 |
| Average equity | $11,231,000 | 4,073 |
| Average total loans | $41,206,000 | 4,254 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8365% | 4,332 |
| Cost of funding earning assets | 0.0564% | 4,837 |
| Net interest margin | 2.7801% | 3,810 |
| Noninterest income to average assets | 0.8564% | 1,444 |
| Noninterest expense to average assets | 2.5354% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7853% | 3,468 |
| Return on assets (ROA) | 0.7853% | 3,535 |
| Pretax return on assets | 0.9884% | 3,405 |
| Return on Equity (ROE) | 8.2416% | 3,258 |
| Retained earnings to average equity (ytd only) | -5.9680% | 4,731 |
| Net charge-offs to loans | 0.0194% | 1,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 497 |
| Efficiency ratio | 71.9500% | 1,501 |
| Assets per employee ($millions) | 6.2616% | 2,359 |
| Cash dividends to net income (ytd only)* | 172.4138% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8661% | 776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 2,877 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 33.7715% | 4,581 |
| Net loans and leases to deposits | 37.3422% | 4,650 |
| Net loans and leases to core deposits | 39.8102% | 4,628 |
| Total domestic deposits to total assets | 90.4379% | 610 |
| Equity capital to assets | 9.3713% | 3,310 |
| Core capital (leverage) ratio | 9.3088% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,165,000 | 3,883 |
| Average earning assets | $113,378,500 | 3,821 |
| Average equity | $11,260,000 | 4,082 |
| Average total loans | $41,179,000 | 4,276 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0053% | 4,627 |
| Cost of funding earning assets | 0.1001% | 4,862 |
| Net interest margin | 2.9052% | 4,096 |
| Noninterest income to average assets | 1.0371% | 984 |
| Noninterest expense to average assets | 2.5391% | 2,723 |
| Loan and lease loss provision to assets | 0.0492% | 3,781 |
| Net operating income to assets | 0.9781% | 2,362 |
| Return on assets (ROA) | 0.9781% | 2,514 |
| Pretax return on assets | 1.2266% | 2,239 |
| Return on Equity (ROE) | 9.7020% | 2,119 |
| Retained earnings to average equity (ytd only) | 0.8336% | 4,278 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5573% | 2,439 |
| Assets per employee ($millions) | 5.3345% | 3,015 |
| Cash dividends to net income (ytd only)* | 91.4077% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 3,019 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 34.6370% | 4,624 |
| Net loans and leases to deposits | 38.4386% | 4,693 |
| Net loans and leases to core deposits | 41.5589% | 4,663 |
| Total domestic deposits to total assets | 90.1099% | 523 |
| Equity capital to assets | 9.6890% | 3,421 |
| Core capital (leverage) ratio | 10.2953% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,852,000 | 3,857 |
| Average earning assets | $106,945,400 | 3,815 |
| Average equity | $11,276,000 | 4,048 |
| Average total loans | $41,052,000 | 4,288 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 4,599 |
| Cost of funding earning assets | 0.1124% | 4,899 |
| Net interest margin | 3.0791% | 3,789 |
| Noninterest income to average assets | 1.0391% | 965 |
| Noninterest expense to average assets | 2.6153% | 2,493 |
| Loan and lease loss provision to assets | 0.0661% | 3,512 |
| Net operating income to assets | 1.0355% | 2,204 |
| Return on assets (ROA) | 1.0355% | 2,330 |
| Pretax return on assets | 1.2998% | 2,046 |
| Return on Equity (ROE) | 10.1666% | 1,963 |
| Retained earnings to average equity (ytd only) | -1.6826% | 4,680 |
| Net charge-offs to loans | 0.4557% | 334 |
| Credit loss provision to net charge-offs | 39.2857% | 2,929 |
| Earnings coverage of net charge-offs (x) | 8.0857% | 2,525 |
| Efficiency ratio | 65.6866% | 2,504 |
| Assets per employee ($millions) | 5.1265% | 3,085 |
| Cash dividends to net income (ytd only)* | 116.5501% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 1,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 3,113 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.7213% | 4,654 |
| Net loans and leases to deposits | 40.8871% | 4,728 |
| Net loans and leases to core deposits | 44.8467% | 4,690 |
| Total domestic deposits to total assets | 89.8113% | 496 |
| Equity capital to assets | 9.8695% | 3,360 |
| Core capital (leverage) ratio | 10.1619% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,475,000 | 3,873 |
| Average earning assets | $105,568,750 | 3,830 |
| Average equity | $11,252,250 | 4,062 |
| Average total loans | $40,961,000 | 4,321 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 4,515 |
| Cost of funding earning assets | 0.1222% | 4,939 |
| Net interest margin | 3.3025% | 3,380 |
| Noninterest income to average assets | 1.1376% | 774 |
| Noninterest expense to average assets | 2.6525% | 2,515 |
| Loan and lease loss provision to assets | 0.1003% | 3,017 |
| Net operating income to assets | 1.2233% | 1,573 |
| Return on assets (ROA) | 1.2233% | 1,696 |
| Pretax return on assets | 1.5387% | 1,371 |
| Return on Equity (ROE) | 11.8838% | 1,358 |
| Retained earnings to average equity (ytd only) | -5.8268% | 4,808 |
| Net charge-offs to loans | 0.6896% | 228 |
| Credit loss provision to net charge-offs | 39.2857% | 2,672 |
| Earnings coverage of net charge-offs (x) | 6.4214% | 2,441 |
| Efficiency ratio | 61.8097% | 3,156 |
| Assets per employee ($millions) | 5.2434% | 2,893 |
| Cash dividends to net income (ytd only)* | 149.0313% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 3,271 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 35.8996% | 4,727 |
| Net loans and leases to deposits | 39.7741% | 4,796 |
| Net loans and leases to core deposits | 43.5082% | 4,760 |
| Total domestic deposits to total assets | 90.2588% | 330 |
| Equity capital to assets | 9.4820% | 3,673 |
| Core capital (leverage) ratio | 9.7578% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,706,000 | 3,873 |
| Average earning assets | $104,769,667 | 3,827 |
| Average equity | $11,292,667 | 4,070 |
| Average total loans | $40,601,000 | 4,341 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5150% | 4,615 |
| Cost of funding earning assets | 0.1295% | 5,002 |
| Net interest margin | 3.3855% | 3,343 |
| Noninterest income to average assets | 1.3735% | 468 |
| Noninterest expense to average assets | 2.8667% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3847% | 1,025 |
| Return on assets (ROA) | 1.3847% | 1,101 |
| Pretax return on assets | 1.7365% | 803 |
| Return on Equity (ROE) | 12.9032% | 898 |
| Retained earnings to average equity (ytd only) | 12.9032% | 330 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2764% | 3,467 |
| Assets per employee ($millions) | 4.9015% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 786 |
| 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 | 37.0304% | 4,751 |
| Net loans and leases to deposits | 41.6486% | 4,807 |
| Net loans and leases to core deposits | 45.6620% | 4,781 |
| Total domestic deposits to total assets | 88.9116% | 703 |
| Equity capital to assets | 10.8399% | 3,000 |
| Core capital (leverage) ratio | 10.6453% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,881,500 | 3,888 |
| Average earning assets | $101,964,000 | 3,851 |
| Average equity | $11,470,000 | 4,071 |
| Average total loans | $39,882,500 | 4,380 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 4,791 |
| Cost of funding earning assets | 0.1245% | 5,074 |
| Net interest margin | 3.4613% | 3,562 |
| Noninterest income to average assets | 0.9598% | 1,056 |
| Noninterest expense to average assets | 2.6460% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2978% | 1,696 |
| Return on assets (ROA) | 1.2978% | 1,772 |
| Pretax return on assets | 1.6215% | 1,425 |
| Return on Equity (ROE) | 12.7086% | 1,272 |
| Retained earnings to average equity (ytd only) | 3.3846% | 3,321 |
| Net charge-offs to loans | 0.0027% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,703.0000% | 45 |
| Efficiency ratio | 62.0036% | 3,381 |
| Assets per employee ($millions) | 4.6057% | 3,077 |
| Cash dividends to net income (ytd only)* | 73.3676% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 636 |
| 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 | 36.2617% | 4,834 |
| Net loans and leases to deposits | 40.6812% | 4,893 |
| Net loans and leases to core deposits | 44.2504% | 4,869 |
| Total domestic deposits to total assets | 89.1362% | 617 |
| Equity capital to assets | 10.6212% | 3,333 |
| Core capital (leverage) ratio | 10.7112% | 2,750 |
| Tier 1 risk-based capital ratio | 21.5709% | 1,076 |
| Total risk-based capital ratio | 22.8209% | 1,051 |
| Memoranda: | ||
| Average total assets | $105,026,200 | 3,917 |
| Average earning assets | $100,366,800 | 3,862 |
| Average equity | $10,725,000 | 4,156 |
| Average total loans | $36,425,000 | 4,492 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 4,884 |
| Cost of funding earning assets | 0.1199% | 5,159 |
| Net interest margin | 3.4799% | 3,634 |
| Noninterest income to average assets | 0.9402% | 1,062 |
| Noninterest expense to average assets | 2.5788% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3498% | 1,644 |
| Return on assets (ROA) | 1.3498% | 1,714 |
| Pretax return on assets | 1.6857% | 1,379 |
| Return on Equity (ROE) | 13.3538% | 1,159 |
| Retained earnings to average equity (ytd only) | 0.7677% | 4,613 |
| Net charge-offs to loans | 0.0187% | 2,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 264.8606% | 350 |
| Efficiency ratio | 60.4714% | 3,549 |
| Assets per employee ($millions) | 4.2545% | 3,544 |
| Cash dividends to net income (ytd only)* | 94.2508% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 596 |
| 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 | 36.5544% | 4,918 |
| Net loans and leases to deposits | 41.0702% | 4,973 |
| Net loans and leases to core deposits | 44.2895% | 4,956 |
| Total domestic deposits to total assets | 89.0048% | 609 |
| Equity capital to assets | 10.7073% | 3,374 |
| Core capital (leverage) ratio | 10.9069% | 2,731 |
| Tier 1 risk-based capital ratio | 27.4082% | 614 |
| Total risk-based capital ratio | 28.6668% | 599 |
| Memoranda: | ||
| Average total assets | $104,800,250 | 3,963 |
| Average earning assets | $100,115,750 | 3,906 |
| Average equity | $10,593,500 | 4,216 |
| Average total loans | $35,750,500 | 4,569 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5869% | 4,941 |
| Cost of funding earning assets | 0.1168% | 5,205 |
| Net interest margin | 3.4701% | 3,688 |
| Noninterest income to average assets | 0.9385% | 985 |
| Noninterest expense to average assets | 2.4996% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4078% | 1,418 |
| Return on assets (ROA) | 1.4078% | 1,471 |
| Pretax return on assets | 1.7560% | 1,156 |
| Return on Equity (ROE) | 14.1980% | 938 |
| Retained earnings to average equity (ytd only) | -4.8853% | 5,056 |
| Net charge-offs to loans | 0.0286% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 185.6000% | 417 |
| Efficiency ratio | 58.7372% | 3,902 |
| Assets per employee ($millions) | 4.3539% | 3,361 |
| Cash dividends to net income (ytd only)* | 134.4086% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 442 |
| 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 | 32.5071% | 5,059 |
| Net loans and leases to deposits | 36.2786% | 5,102 |
| Net loans and leases to core deposits | 39.0284% | 5,093 |
| Total domestic deposits to total assets | 89.6042% | 448 |
| Equity capital to assets | 10.1499% | 3,835 |
| Core capital (leverage) ratio | 10.0904% | 3,505 |
| Tier 1 risk-based capital ratio | 24.6822% | 783 |
| Total risk-based capital ratio | 25.9395% | 764 |
| Memoranda: | ||
| Average total assets | $105,697,670 | 3,964 |
| Average earning assets | $101,033,670 | 3,915 |
| Average equity | $10,480,330 | 4,239 |
| Average total loans | $34,990,000 | 4,625 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,911 |
| Cost of funding earning assets | 0.1063% | 5,270 |
| Net interest margin | 3.5407% | 3,458 |
| Noninterest income to average assets | 0.9633% | 893 |
| Noninterest expense to average assets | 2.5626% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4337% | 1,281 |
| Return on assets (ROA) | 1.4337% | 1,312 |
| Pretax return on assets | 1.7836% | 1,011 |
| Return on Equity (ROE) | 14.6292% | 832 |
| Retained earnings to average equity (ytd only) | -23.7677% | 5,279 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9610% | 3,960 |
| Assets per employee ($millions) | 4.7427% | 2,859 |
| Cash dividends to net income (ytd only)* | 262.4672% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 482 |
| Loan loss allowance to noncurrent loans | 35,600.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,891 |
| Noncurrent loans to loans | 0.0057% | 4,776 |
| Net loans and leases to total assets | 31.7538% | 5,120 |
| Net loans and leases to deposits | 35.0747% | 5,161 |
| Net loans and leases to core deposits | 37.5818% | 5,150 |
| Total domestic deposits to total assets | 90.5320% | 275 |
| Equity capital to assets | 9.2920% | 4,441 |
| Core capital (leverage) ratio | 9.4576% | 4,183 |
| Tier 1 risk-based capital ratio | 22.4314% | 996 |
| Total risk-based capital ratio | 23.6856% | 974 |
| Memoranda: | ||
| Average total assets | $106,299,500 | 3,998 |
| Average earning assets | $101,562,500 | 3,946 |
| Average equity | $10,417,500 | 4,271 |
| Average total loans | $35,147,500 | 4,664 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3081% | 5,077 |
| Cost of funding earning assets | 0.0456% | 5,365 |
| Net interest margin | 3.2624% | 4,354 |
| Noninterest income to average assets | 0.9617% | 1,036 |
| Noninterest expense to average assets | 2.5409% | 3,500 |
| Loan and lease loss provision to assets | 0.0030% | 4,048 |
| Net operating income to assets | 1.2744% | 1,896 |
| Return on assets (ROA) | 1.2744% | 1,894 |
| Pretax return on assets | 1.5200% | 1,713 |
| Return on Equity (ROE) | 12.3726% | 1,590 |
| Retained earnings to average equity (ytd only) | -6.7801% | 5,275 |
| Net charge-offs to loans | 0.0053% | 3,518 |
| Credit loss provision to net charge-offs | 150.0000% | 1,832 |
| Earnings coverage of net charge-offs (x) | 772.0000% | 140 |
| Efficiency ratio | 62.5243% | 3,431 |
| Assets per employee ($millions) | 4.7053% | 2,871 |
| Cash dividends to net income (ytd only)* | 154.7988% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0375% | 444 |
| Loan loss allowance to noncurrent loans | 23,733.3333% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,917 |
| Noncurrent loans to loans | 0.0086% | 4,777 |
| Net loans and leases to total assets | 33.0703% | 5,145 |
| Net loans and leases to deposits | 36.9591% | 5,176 |
| Net loans and leases to core deposits | 38.9800% | 5,174 |
| Total domestic deposits to total assets | 89.4780% | 669 |
| Equity capital to assets | 10.3356% | 3,341 |
| Core capital (leverage) ratio | 10.3660% | 3,181 |
| Tier 1 risk-based capital ratio | 25.0765% | 736 |
| Total risk-based capital ratio | 26.3355% | 722 |
| Memoranda: | ||
| Average total assets | $101,380,400 | 4,080 |
| Average earning assets | $96,400,000 | 4,028 |
| Average equity | $10,442,400 | 4,245 |
| Average total loans | $37,456,800 | 4,623 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 5,146 |
| Cost of funding earning assets | 0.0390% | 5,443 |
| Net interest margin | 3.2314% | 4,450 |
| Noninterest income to average assets | 0.9757% | 995 |
| Noninterest expense to average assets | 2.5464% | 3,452 |
| Loan and lease loss provision to assets | 0.0040% | 3,894 |
| Net operating income to assets | 1.2692% | 1,967 |
| Return on assets (ROA) | 1.2692% | 1,976 |
| Pretax return on assets | 1.4953% | 1,912 |
| Return on Equity (ROE) | 12.3332% | 1,665 |
| Retained earnings to average equity (ytd only) | -13.3609% | 5,416 |
| Net charge-offs to loans | 0.0070% | 3,174 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 566.2772% | 159 |
| Efficiency ratio | 62.9412% | 3,346 |
| Assets per employee ($millions) | 4.7807% | 2,749 |
| Cash dividends to net income (ytd only)* | 208.3330% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 566 |
| Loan loss allowance to noncurrent loans | 3,560.0000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,902 |
| Noncurrent loans to loans | 0.0540% | 4,650 |
| Net loans and leases to total assets | 34.5643% | 5,185 |
| Net loans and leases to deposits | 38.4151% | 5,238 |
| Net loans and leases to core deposits | 40.6047% | 5,229 |
| Total domestic deposits to total assets | 89.9758% | 515 |
| Equity capital to assets | 9.7980% | 3,819 |
| Core capital (leverage) ratio | 10.6508% | 2,938 |
| Tier 1 risk-based capital ratio | 22.7729% | 963 |
| Total risk-based capital ratio | 24.0247% | 938 |
| Memoranda: | ||
| Average total assets | $100,846,500 | 4,127 |
| Average earning assets | $95,808,000 | 4,081 |
| Average equity | $10,378,250 | 4,292 |
| Average total loans | $38,084,750 | 4,661 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 5,168 |
| Cost of funding earning assets | 0.0361% | 5,509 |
| Net interest margin | 3.2310% | 4,433 |
| Noninterest income to average assets | 1.0382% | 895 |
| Noninterest expense to average assets | 2.6257% | 3,239 |
| Loan and lease loss provision to assets | 0.0060% | 3,717 |
| Net operating income to assets | 1.2676% | 1,907 |
| Return on assets (ROA) | 1.2676% | 1,906 |
| Pretax return on assets | 1.4688% | 1,932 |
| Return on Equity (ROE) | 12.1123% | 1,682 |
| Retained earnings to average equity (ytd only) | -26.3394% | 5,506 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0334% | 3,314 |
| Assets per employee ($millions) | 4.4822% | 3,151 |
| Cash dividends to net income (ytd only)* | 317.4603% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 36.4449% | 5,165 |
| Net loans and leases to deposits | 40.6327% | 5,229 |
| Net loans and leases to core deposits | 43.1201% | 5,212 |
| Total domestic deposits to total assets | 89.6936% | 666 |
| Equity capital to assets | 10.1106% | 3,533 |
| Core capital (leverage) ratio | 10.4417% | 3,088 |
| Tier 1 risk-based capital ratio | 22.2232% | 1,012 |
| Total risk-based capital ratio | 23.4753% | 995 |
| Memoranda: | ||
| Average total assets | $99,403,670 | 4,184 |
| Average earning assets | $94,212,670 | 4,144 |
| Average equity | $10,402,670 | 4,323 |
| Average total loans | $38,424,670 | 4,688 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1935% | 5,238 |
| Cost of funding earning assets | 0.0293% | 5,576 |
| Net interest margin | 3.1642% | 4,570 |
| Noninterest income to average assets | 1.1463% | 701 |
| Noninterest expense to average assets | 2.7014% | 3,036 |
| Loan and lease loss provision to assets | 0.0120% | 3,373 |
| Net operating income to assets | 1.3347% | 1,522 |
| Return on assets (ROA) | 1.3347% | 1,538 |
| Pretax return on assets | 1.4629% | 1,795 |
| Return on Equity (ROE) | 12.5436% | 1,400 |
| Retained earnings to average equity (ytd only) | -62.7931% | 5,596 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6833% | 3,374 |
| Assets per employee ($millions) | 4.4241% | 3,284 |
| Cash dividends to net income (ytd only)* | 600.6006% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 37.0629% | 5,173 |
| Net loans and leases to deposits | 41.0786% | 5,246 |
| Net loans and leases to core deposits | 43.4953% | 5,225 |
| Total domestic deposits to total assets | 90.2245% | 572 |
| Equity capital to assets | 9.6340% | 3,956 |
| Core capital (leverage) ratio | 9.9017% | 3,645 |
| Tier 1 risk-based capital ratio | 20.0352% | 1,336 |
| Total risk-based capital ratio | 21.2895% | 1,304 |
| Memoranda: | ||
| Average total assets | $99,801,000 | 4,222 |
| Average earning assets | $95,569,500 | 4,164 |
| Average equity | $10,619,000 | 4,333 |
| Average total loans | $39,311,000 | 4,710 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2755% | 5,111 |
| Cost of funding earning assets | 0.0303% | 5,630 |
| Net interest margin | 3.2452% | 4,319 |
| Noninterest income to average assets | 1.0408% | 938 |
| Noninterest expense to average assets | 2.6244% | 3,370 |
| Loan and lease loss provision to assets | 0.0863% | 2,468 |
| Net operating income to assets | 0.9942% | 2,274 |
| Return on assets (ROA) | 0.9942% | 2,306 |
| Pretax return on assets | 1.4129% | 1,949 |
| Return on Equity (ROE) | 9.1358% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.1358% | 486 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6429% | 3,657 |
| Assets per employee ($millions) | 4.0770% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 830 |
| 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 | 40.3524% | 5,125 |
| Net loans and leases to deposits | 45.8030% | 5,201 |
| Net loans and leases to core deposits | 48.6838% | 5,175 |
| Total domestic deposits to total assets | 88.0999% | 1,442 |
| Equity capital to assets | 11.6865% | 2,045 |
| Core capital (leverage) ratio | 11.5866% | 1,876 |
| Tier 1 risk-based capital ratio | 23.3253% | 879 |
| Total risk-based capital ratio | 24.5772% | 865 |
| Memoranda: | ||
| Average total assets | $100,784,600 | 4,223 |
| Average earning assets | $95,742,400 | 4,165 |
| Average equity | $10,967,800 | 4,304 |
| Average total loans | $39,005,400 | 4,756 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2185% | 5,210 |
| Cost of funding earning assets | 0.0319% | 5,698 |
| Net interest margin | 3.1866% | 4,486 |
| Noninterest income to average assets | 1.0362% | 948 |
| Noninterest expense to average assets | 2.5860% | 3,450 |
| Loan and lease loss provision to assets | 0.1103% | 1,936 |
| Net operating income to assets | 0.9561% | 2,735 |
| Return on assets (ROA) | 0.9561% | 2,799 |
| Pretax return on assets | 1.3593% | 2,243 |
| Return on Equity (ROE) | 8.9452% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.9452% | 863 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7630% | 3,592 |
| Assets per employee ($millions) | 4.7054% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 3,973 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 38.4142% | 5,252 |
| Net loans and leases to deposits | 43.2352% | 5,330 |
| Net loans and leases to core deposits | 45.7759% | 5,317 |
| Total domestic deposits to total assets | 88.8494% | 951 |
| Equity capital to assets | 10.8782% | 2,979 |
| Core capital (leverage) ratio | 11.3030% | 2,184 |
| Tier 1 risk-based capital ratio | 21.3610% | 1,133 |
| Total risk-based capital ratio | 22.6116% | 1,117 |
| Memoranda: | ||
| Average total assets | $101,518,750 | 4,253 |
| Average earning assets | $96,192,000 | 4,202 |
| Average equity | $10,851,000 | 4,371 |
| Average total loans | $38,708,000 | 4,816 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2691% | 5,149 |
| Cost of funding earning assets | 0.0293% | 5,745 |
| Net interest margin | 3.2399% | 4,292 |
| Noninterest income to average assets | 1.0491% | 925 |
| Noninterest expense to average assets | 2.6435% | 3,299 |
| Loan and lease loss provision to assets | 0.1567% | 1,278 |
| Net operating income to assets | 0.9281% | 2,771 |
| Return on assets (ROA) | 0.9281% | 2,826 |
| Pretax return on assets | 1.3227% | 2,300 |
| Return on Equity (ROE) | 8.7360% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.7360% | 924 |
| Net charge-offs to loans | -0.0105% | 4,554 |
| Credit loss provision to net charge-offs | -3,950.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1174% | 3,649 |
| Assets per employee ($millions) | 4.2527% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,004 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.5555% | 5,358 |
| Net loans and leases to deposits | 41.0763% | 5,419 |
| Net loans and leases to core deposits | 43.7772% | 5,400 |
| Total domestic deposits to total assets | 88.9942% | 959 |
| Equity capital to assets | 10.7638% | 3,069 |
| Core capital (leverage) ratio | 11.1688% | 2,257 |
| Tier 1 risk-based capital ratio | 22.4973% | 994 |
| Total risk-based capital ratio | 23.7484% | 978 |
| Memoranda: | ||
| Average total assets | $100,852,000 | 4,291 |
| Average earning assets | $95,683,000 | 4,240 |
| Average equity | $10,714,330 | 4,408 |
| Average total loans | $38,119,330 | 4,871 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4393% | 4,858 |
| Cost of funding earning assets | 0.0295% | 5,809 |
| Net interest margin | 3.4098% | 3,624 |
| Noninterest income to average assets | 1.0654% | 884 |
| Noninterest expense to average assets | 2.7452% | 2,976 |
| Loan and lease loss provision to assets | 0.2913% | 480 |
| Net operating income to assets | 0.8659% | 2,921 |
| Return on assets (ROA) | 0.8659% | 2,972 |
| Pretax return on assets | 1.2569% | 2,394 |
| Return on Equity (ROE) | 8.2053% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.2053% | 1,375 |
| Net charge-offs to loans | -0.0105% | 4,447 |
| Credit loss provision to net charge-offs | -7,300.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9405% | 3,850 |
| Assets per employee ($millions) | 4.1905% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 4,072 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.5016% | 5,383 |
| Net loans and leases to deposits | 40.9399% | 5,439 |
| Net loans and leases to core deposits | 43.6691% | 5,423 |
| Total domestic deposits to total assets | 89.1589% | 1,073 |
| Equity capital to assets | 10.6532% | 3,009 |
| Core capital (leverage) ratio | 10.5828% | 2,811 |
| Tier 1 risk-based capital ratio | 25.6937% | 709 |
| Total risk-based capital ratio | 26.9527% | 694 |
| Memoranda: | ||
| Average total assets | $100,246,000 | 4,345 |
| Average earning assets | $94,904,000 | 4,294 |
| Average equity | $10,578,500 | 4,451 |
| Average total loans | $38,172,000 | 4,912 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 5,380 |
| Cost of funding earning assets | 0.0299% | 5,860 |
| Net interest margin | 3.0960% | 4,734 |
| Noninterest income to average assets | 1.0574% | 1,006 |
| Noninterest expense to average assets | 2.7719% | 3,116 |
| Loan and lease loss provision to assets | 0.0885% | 2,595 |
| Net operating income to assets | 0.8250% | 3,185 |
| Return on assets (ROA) | 0.8250% | 3,281 |
| Pretax return on assets | 1.1178% | 3,032 |
| Return on Equity (ROE) | 8.1188% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.1188% | 813 |
| Net charge-offs to loans | 0.0165% | 3,743 |
| Credit loss provision to net charge-offs | 1,466.6667% | 285 |
| Earnings coverage of net charge-offs (x) | 199.8333% | 340 |
| Efficiency ratio | 69.6763% | 2,963 |
| Assets per employee ($millions) | 4.1634% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,365 |
| Loan loss allowance to noncurrent loans | 832.0000% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,842 |
| Noncurrent loans to loans | 0.1926% | 4,470 |
| Net loans and leases to total assets | 38.3433% | 5,389 |
| Net loans and leases to deposits | 42.9248% | 5,464 |
| Net loans and leases to core deposits | 45.5251% | 5,448 |
| Total domestic deposits to total assets | 89.3266% | 936 |
| Equity capital to assets | 10.4513% | 3,209 |
| Core capital (leverage) ratio | 10.5083% | 2,877 |
| Tier 1 risk-based capital ratio | 20.3138% | 1,322 |
| Total risk-based capital ratio | 21.5006% | 1,307 |
| Memoranda: | ||
| Average total assets | $99,392,000 | 4,357 |
| Average earning assets | $93,766,600 | 4,313 |
| Average equity | $10,100,000 | 4,554 |
| Average total loans | $36,420,200 | 5,006 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0633% | 5,512 |
| Cost of funding earning assets | 0.0299% | 5,925 |
| Net interest margin | 3.0334% | 4,944 |
| Noninterest income to average assets | 1.0370% | 1,055 |
| Noninterest expense to average assets | 2.7214% | 3,287 |
| Loan and lease loss provision to assets | 0.0913% | 2,401 |
| Net operating income to assets | 0.7979% | 3,374 |
| Return on assets (ROA) | 0.7979% | 3,512 |
| Pretax return on assets | 1.0853% | 3,294 |
| Return on Equity (ROE) | 7.9085% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.9085% | 1,215 |
| Net charge-offs to loans | 0.0186% | 3,340 |
| Credit loss provision to net charge-offs | 1,360.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 175.1079% | 412 |
| Efficiency ratio | 69.8139% | 2,913 |
| Assets per employee ($millions) | 4.0320% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 4,295 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 38.2609% | 5,457 |
| Net loans and leases to deposits | 42.8261% | 5,554 |
| Net loans and leases to core deposits | 45.3959% | 5,534 |
| Total domestic deposits to total assets | 89.3403% | 744 |
| Equity capital to assets | 10.2659% | 3,838 |
| Core capital (leverage) ratio | 11.0546% | 2,394 |
| Tier 1 risk-based capital ratio | 20.0299% | 1,443 |
| Total risk-based capital ratio | 21.1870% | 1,420 |
| Memoranda: | ||
| Average total assets | $99,259,750 | 4,393 |
| Average earning assets | $93,622,750 | 4,348 |
| Average equity | $10,014,250 | 4,615 |
| Average total loans | $35,791,000 | 5,071 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0368% | 5,615 |
| Cost of funding earning assets | 0.0302% | 6,005 |
| Net interest margin | 3.0066% | 5,069 |
| Noninterest income to average assets | 1.0411% | 1,032 |
| Noninterest expense to average assets | 2.7343% | 3,257 |
| Loan and lease loss provision to assets | 0.0911% | 2,324 |
| Net operating income to assets | 0.7757% | 3,422 |
| Return on assets (ROA) | 0.7757% | 3,569 |
| Pretax return on assets | 1.0431% | 3,423 |
| Return on Equity (ROE) | 7.7350% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.7350% | 1,276 |
| Net charge-offs to loans | 0.0288% | 2,899 |
| Credit loss provision to net charge-offs | 900.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 520 |
| Efficiency ratio | 70.6806% | 2,878 |
| Assets per employee ($millions) | 4.1309% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 4,300 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.3020% | 5,544 |
| Net loans and leases to deposits | 41.9004% | 5,623 |
| Net loans and leases to core deposits | 44.7284% | 5,605 |
| Total domestic deposits to total assets | 89.0255% | 906 |
| Equity capital to assets | 10.6567% | 3,462 |
| Core capital (leverage) ratio | 10.6040% | 2,847 |
| Tier 1 risk-based capital ratio | 21.1034% | 1,253 |
| Total risk-based capital ratio | 22.3003% | 1,245 |
| Memoranda: | ||
| Average total assets | $98,746,330 | 4,442 |
| Average earning assets | $92,861,000 | 4,405 |
| Average equity | $9,903,000 | 4,666 |
| Average total loans | $34,664,330 | 5,149 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9516% | 5,735 |
| Cost of funding earning assets | 0.0296% | 6,070 |
| Net interest margin | 2.9221% | 5,282 |
| Noninterest income to average assets | 1.0456% | 995 |
| Noninterest expense to average assets | 2.8068% | 3,041 |
| Loan and lease loss provision to assets | 0.0914% | 2,160 |
| Net operating income to assets | 0.6798% | 3,816 |
| Return on assets (ROA) | 0.6798% | 3,936 |
| Pretax return on assets | 0.8985% | 3,847 |
| Return on Equity (ROE) | 6.9853% | 3,463 |
| Retained earnings to average equity (ytd only) | 6.9853% | 1,894 |
| Net charge-offs to loans | 0.0118% | 2,732 |
| Credit loss provision to net charge-offs | 2,300.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 247 |
| Efficiency ratio | 73.9267% | 2,490 |
| Assets per employee ($millions) | 4.2934% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 1,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 4,405 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 33.8596% | 5,723 |
| Net loans and leases to deposits | 37.7143% | 5,787 |
| Net loans and leases to core deposits | 39.9775% | 5,769 |
| Total domestic deposits to total assets | 89.7791% | 689 |
| Equity capital to assets | 10.0052% | 4,081 |
| Core capital (leverage) ratio | 9.7678% | 3,822 |
| Tier 1 risk-based capital ratio | 21.0460% | 1,314 |
| Total risk-based capital ratio | 22.2271% | 1,294 |
| Memoranda: | ||
| Average total assets | $100,614,000 | 4,456 |
| Average earning assets | $94,728,000 | 4,404 |
| Average equity | $9,792,000 | 4,707 |
| Average total loans | $33,985,500 | 5,213 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 5,782 |
| Cost of funding earning assets | 0.0279% | 6,131 |
| Net interest margin | 2.9168% | 5,304 |
| Noninterest income to average assets | 1.0561% | 1,058 |
| Noninterest expense to average assets | 2.6109% | 3,885 |
| Loan and lease loss provision to assets | 0.1052% | 2,225 |
| Net operating income to assets | 0.8008% | 3,335 |
| Return on assets (ROA) | 0.8008% | 3,421 |
| Pretax return on assets | 1.0911% | 3,104 |
| Return on Equity (ROE) | 8.8071% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.8071% | 703 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5773% | 3,470 |
| Assets per employee ($millions) | 4.4556% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,867 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 32.6223% | 5,819 |
| Net loans and leases to deposits | 36.1498% | 5,883 |
| Net loans and leases to core deposits | 38.0776% | 5,876 |
| Total domestic deposits to total assets | 90.2419% | 528 |
| Equity capital to assets | 9.4693% | 4,589 |
| Core capital (leverage) ratio | 9.7525% | 3,832 |
| Tier 1 risk-based capital ratio | 20.3828% | 1,408 |
| Total risk-based capital ratio | 21.5011% | 1,410 |
| Memoranda: | ||
| Average total assets | $102,645,600 | 4,413 |
| Average earning assets | $96,817,400 | 4,377 |
| Average equity | $9,333,400 | 4,784 |
| Average total loans | $33,278,200 | 5,251 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9246% | 5,872 |
| Cost of funding earning assets | 0.0275% | 6,218 |
| Net interest margin | 2.8971% | 5,420 |
| Noninterest income to average assets | 1.0426% | 1,099 |
| Noninterest expense to average assets | 2.5540% | 4,036 |
| Loan and lease loss provision to assets | 0.1208% | 1,886 |
| Net operating income to assets | 0.8089% | 3,389 |
| Return on assets (ROA) | 0.8089% | 3,487 |
| Pretax return on assets | 1.1063% | 3,195 |
| Return on Equity (ROE) | 8.9890% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.9890% | 913 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5481% | 3,621 |
| Assets per employee ($millions) | 4.1956% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 2,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 4,997 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.7865% | 5,870 |
| Net loans and leases to deposits | 37.5330% | 5,938 |
| Net loans and leases to core deposits | 39.5768% | 5,930 |
| Total domestic deposits to total assets | 90.0183% | 558 |
| Equity capital to assets | 9.5001% | 4,751 |
| Core capital (leverage) ratio | 9.7991% | 3,902 |
| Tier 1 risk-based capital ratio | 20.0823% | 1,522 |
| Total risk-based capital ratio | 21.1755% | 1,528 |
| Memoranda: | ||
| Average total assets | $102,687,250 | 4,455 |
| Average earning assets | $97,060,000 | 4,410 |
| Average equity | $9,240,750 | 4,857 |
| Average total loans | $33,104,750 | 5,319 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8933% | 5,949 |
| Cost of funding earning assets | 0.0286% | 6,292 |
| Net interest margin | 2.8647% | 5,503 |
| Noninterest income to average assets | 1.0450% | 1,084 |
| Noninterest expense to average assets | 2.5563% | 4,055 |
| Loan and lease loss provision to assets | 0.1277% | 1,742 |
| Net operating income to assets | 0.7857% | 3,460 |
| Return on assets (ROA) | 0.7857% | 3,559 |
| Pretax return on assets | 1.0721% | 3,289 |
| Return on Equity (ROE) | 8.8915% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.8915% | 962 |
| Net charge-offs to loans | 0.0429% | 2,843 |
| Credit loss provision to net charge-offs | 942.8571% | 377 |
| Earnings coverage of net charge-offs (x) | 88.5714% | 654 |
| Efficiency ratio | 68.0577% | 3,660 |
| Assets per employee ($millions) | 4.3965% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 2,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 5,113 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.7710% | 5,937 |
| Net loans and leases to deposits | 36.2370% | 6,028 |
| Net loans and leases to core deposits | 38.4133% | 6,009 |
| Total domestic deposits to total assets | 90.4351% | 478 |
| Equity capital to assets | 9.2267% | 4,986 |
| Core capital (leverage) ratio | 9.2526% | 4,616 |
| Tier 1 risk-based capital ratio | 19.7211% | 1,617 |
| Total risk-based capital ratio | 20.7483% | 1,638 |
| Memoranda: | ||
| Average total assets | $103,351,670 | 4,480 |
| Average earning assets | $97,811,670 | 4,427 |
| Average equity | $9,132,330 | 4,917 |
| Average total loans | $32,624,000 | 5,386 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 6,056 |
| Cost of funding earning assets | 0.0282% | 6,366 |
| Net interest margin | 2.7914% | 5,661 |
| Noninterest income to average assets | 1.0070% | 1,108 |
| Noninterest expense to average assets | 2.5041% | 4,249 |
| Loan and lease loss provision to assets | 0.0919% | 2,163 |
| Net operating income to assets | 0.7198% | 3,697 |
| Return on assets (ROA) | 0.7198% | 3,826 |
| Pretax return on assets | 1.0606% | 3,261 |
| Return on Equity (ROE) | 8.3246% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.3246% | 1,446 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4817% | 3,742 |
| Assets per employee ($millions) | 4.6324% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,883 |
| Loan loss allowance to noncurrent loans | 3,808.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 5,193 |
| Noncurrent loans to loans | 0.0369% | 5,642 |
| Net loans and leases to total assets | 30.0537% | 6,070 |
| Net loans and leases to deposits | 32.9753% | 6,136 |
| Net loans and leases to core deposits | 34.8338% | 6,127 |
| Total domestic deposits to total assets | 91.1400% | 319 |
| Equity capital to assets | 8.5550% | 5,703 |
| Core capital (leverage) ratio | 8.4669% | 5,552 |
| Tier 1 risk-based capital ratio | 19.2389% | 1,799 |
| Total risk-based capital ratio | 20.2035% | 1,845 |
| Memoranda: | ||
| Average total assets | $104,467,500 | 4,489 |
| Average earning assets | $99,160,500 | 4,426 |
| Average equity | $9,033,500 | 4,983 |
| Average total loans | $32,121,000 | 5,434 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8217% | 6,190 |
| Cost of funding earning assets | 0.0361% | 6,447 |
| Net interest margin | 2.7856% | 5,831 |
| Noninterest income to average assets | 1.0868% | 1,028 |
| Noninterest expense to average assets | 2.5914% | 4,253 |
| Loan and lease loss provision to assets | 0.0682% | 3,122 |
| Net operating income to assets | 0.7921% | 3,416 |
| Return on assets (ROA) | 0.7921% | 3,510 |
| Pretax return on assets | 1.0610% | 3,254 |
| Return on Equity (ROE) | 8.9572% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.9572% | 715 |
| Net charge-offs to loans | 0.0699% | 3,477 |
| Credit loss provision to net charge-offs | 347.3684% | 758 |
| Earnings coverage of net charge-offs (x) | 57.4737% | 819 |
| Efficiency ratio | 69.6498% | 3,596 |
| Assets per employee ($millions) | 4.8757% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 3,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 5,288 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 30.6000% | 6,158 |
| Net loans and leases to deposits | 33.6639% | 6,229 |
| Net loans and leases to core deposits | 35.6083% | 6,207 |
| Total domestic deposits to total assets | 90.8984% | 403 |
| Equity capital to assets | 8.7431% | 5,541 |
| Core capital (leverage) ratio | 8.4758% | 5,577 |
| Tier 1 risk-based capital ratio | 19.0978% | 1,815 |
| Total risk-based capital ratio | 20.0127% | 1,882 |
| Memoranda: | ||
| Average total assets | $96,703,600 | 4,682 |
| Average earning assets | $91,433,000 | 4,617 |
| Average equity | $8,551,800 | 5,074 |
| Average total loans | $27,188,400 | 5,687 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7657% | 6,304 |
| Cost of funding earning assets | 0.0385% | 6,528 |
| Net interest margin | 2.7271% | 5,975 |
| Noninterest income to average assets | 1.0985% | 1,006 |
| Noninterest expense to average assets | 2.6293% | 4,095 |
| Loan and lease loss provision to assets | 0.0616% | 3,125 |
| Net operating income to assets | 0.7430% | 3,709 |
| Return on assets (ROA) | 0.7430% | 3,814 |
| Pretax return on assets | 0.9823% | 3,662 |
| Return on Equity (ROE) | 8.3767% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.3767% | 1,197 |
| Net charge-offs to loans | 0.0051% | 4,521 |
| Credit loss provision to net charge-offs | 4,400.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 747.8496% | 97 |
| Efficiency ratio | 71.5810% | 3,253 |
| Assets per employee ($millions) | 4.3360% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 2,957 |
| Loan loss allowance to noncurrent loans | 196.7890% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 5,341 |
| Noncurrent loans to loans | 0.7353% | 3,762 |
| Net loans and leases to total assets | 29.2980% | 6,278 |
| Net loans and leases to deposits | 32.2409% | 6,338 |
| Net loans and leases to core deposits | 34.2765% | 6,311 |
| Total domestic deposits to total assets | 90.8721% | 396 |
| Equity capital to assets | 8.7429% | 5,600 |
| Core capital (leverage) ratio | 9.1903% | 4,804 |
| Tier 1 risk-based capital ratio | 20.6144% | 1,525 |
| Total risk-based capital ratio | 21.6189% | 1,548 |
| Memoranda: | ||
| Average total assets | $95,282,250 | 4,760 |
| Average earning assets | $89,958,250 | 4,704 |
| Average equity | $8,451,750 | 5,140 |
| Average total loans | $26,044,500 | 5,795 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7726% | 6,355 |
| Cost of funding earning assets | 0.0407% | 6,592 |
| Net interest margin | 2.7319% | 6,010 |
| Noninterest income to average assets | 1.1151% | 956 |
| Noninterest expense to average assets | 2.7143% | 3,813 |
| Loan and lease loss provision to assets | 0.0576% | 3,140 |
| Net operating income to assets | 0.7036% | 3,824 |
| Return on assets (ROA) | 0.7036% | 3,913 |
| Pretax return on assets | 0.9168% | 3,821 |
| Return on Equity (ROE) | 7.8922% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.8922% | 1,366 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5838% | 3,045 |
| Assets per employee ($millions) | 3.9588% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 2,675 |
| Loan loss allowance to noncurrent loans | 41,300.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 6,281 |
| Noncurrent loans to loans | 0.0037% | 6,098 |
| Net loans and leases to total assets | 27.6476% | 6,375 |
| Net loans and leases to deposits | 30.4864% | 6,420 |
| Net loans and leases to core deposits | 32.5574% | 6,398 |
| Total domestic deposits to total assets | 90.6883% | 511 |
| Equity capital to assets | 8.9675% | 5,333 |
| Core capital (leverage) ratio | 9.2059% | 4,729 |
| Tier 1 risk-based capital ratio | 22.4302% | 1,197 |
| Total risk-based capital ratio | 23.5069% | 1,205 |
| Memoranda: | ||
| Average total assets | $93,800,670 | 4,827 |
| Average earning assets | $88,364,330 | 4,771 |
| Average equity | $8,362,670 | 5,183 |
| Average total loans | $24,843,670 | 5,892 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7112% | 6,455 |
| Cost of funding earning assets | 0.0455% | 6,668 |
| Net interest margin | 2.6657% | 6,148 |
| Noninterest income to average assets | 1.1202% | 887 |
| Noninterest expense to average assets | 2.7169% | 3,881 |
| Loan and lease loss provision to assets | 0.0601% | 2,904 |
| Net operating income to assets | 0.6567% | 3,911 |
| Return on assets (ROA) | 0.6567% | 4,011 |
| Pretax return on assets | 0.8584% | 3,871 |
| Return on Equity (ROE) | 7.3877% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.3877% | 1,862 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7344% | 3,013 |
| Assets per employee ($millions) | 4.2326% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 2,502 |
| 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 | 25.5732% | 6,478 |
| Net loans and leases to deposits | 28.1791% | 6,509 |
| Net loans and leases to core deposits | 30.2483% | 6,492 |
| Total domestic deposits to total assets | 90.7525% | 667 |
| Equity capital to assets | 8.9522% | 5,164 |
| Core capital (leverage) ratio | 8.8403% | 5,207 |
| Tier 1 risk-based capital ratio | 24.0482% | 997 |
| Total risk-based capital ratio | 25.1898% | 990 |
| Memoranda: | ||
| Average total assets | $93,196,000 | 4,895 |
| Average earning assets | $87,931,500 | 4,823 |
| Average equity | $8,284,000 | 5,223 |
| Average total loans | $23,925,000 | 5,987 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6013% | 6,588 |
| Cost of funding earning assets | 0.0542% | 6,746 |
| Net interest margin | 2.5471% | 6,332 |
| Noninterest income to average assets | 1.0936% | 1,175 |
| Noninterest expense to average assets | 2.7033% | 4,085 |
| Loan and lease loss provision to assets | 0.0645% | 3,842 |
| Net operating income to assets | 0.6172% | 4,179 |
| Return on assets (ROA) | 0.6172% | 4,291 |
| Pretax return on assets | 0.7516% | 4,332 |
| Return on Equity (ROE) | 7.0250% | 3,549 |
| Retained earnings to average equity (ytd only) | 7.0250% | 1,424 |
| Net charge-offs to loans | -0.0544% | 6,352 |
| Credit loss provision to net charge-offs | -545.4545% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8103% | 2,653 |
| Assets per employee ($millions) | 4.0554% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 2,637 |
| 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 | 24.9274% | 6,591 |
| Net loans and leases to deposits | 27.4659% | 6,619 |
| Net loans and leases to core deposits | 29.7807% | 6,605 |
| Total domestic deposits to total assets | 90.7574% | 683 |
| Equity capital to assets | 8.8255% | 5,228 |
| Core capital (leverage) ratio | 8.8019% | 5,272 |
| Tier 1 risk-based capital ratio | 23.8094% | 974 |
| Total risk-based capital ratio | 24.9201% | 977 |
| Memoranda: | ||
| Average total assets | $92,995,800 | 4,907 |
| Average earning assets | $88,571,200 | 4,813 |
| Average equity | $8,170,800 | 5,292 |
| Average total loans | $20,217,400 | 6,193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4898% | 6,696 |
| Cost of funding earning assets | 0.0602% | 6,827 |
| Net interest margin | 2.4296% | 6,488 |
| Noninterest income to average assets | 1.0948% | 1,216 |
| Noninterest expense to average assets | 2.6946% | 4,036 |
| Loan and lease loss provision to assets | 0.0646% | 3,765 |
| Net operating income to assets | 0.5438% | 4,608 |
| Return on assets (ROA) | 0.5438% | 4,751 |
| Pretax return on assets | 0.6514% | 4,851 |
| Return on Equity (ROE) | 6.1961% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.1961% | 2,289 |
| Net charge-offs to loans | -0.0758% | 6,429 |
| Credit loss provision to net charge-offs | -409.0909% | 6,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0072% | 2,258 |
| Assets per employee ($millions) | 3.8418% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 2,216 |
| Loan loss allowance to noncurrent loans | 9,275.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,511 |
| Noncurrent loans to loans | 0.0197% | 6,295 |
| Net loans and leases to total assets | 22.5617% | 6,709 |
| Net loans and leases to deposits | 24.9919% | 6,739 |
| Net loans and leases to core deposits | 27.1275% | 6,725 |
| Total domestic deposits to total assets | 90.2764% | 853 |
| Equity capital to assets | 9.1170% | 5,032 |
| Core capital (leverage) ratio | 9.3568% | 4,596 |
| Tier 1 risk-based capital ratio | 24.7989% | 897 |
| Total risk-based capital ratio | 25.9377% | 895 |
| Memoranda: | ||
| Average total assets | $92,926,000 | 4,952 |
| Average earning assets | $88,571,750 | 4,855 |
| Average equity | $8,155,500 | 5,346 |
| Average total loans | $19,362,500 | 6,301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4074% | 6,770 |
| Cost of funding earning assets | 0.0666% | 6,873 |
| Net interest margin | 2.3409% | 6,592 |
| Noninterest income to average assets | 1.0842% | 1,303 |
| Noninterest expense to average assets | 2.6237% | 4,305 |
| Loan and lease loss provision to assets | 0.0678% | 3,688 |
| Net operating income to assets | 0.5252% | 4,690 |
| Return on assets (ROA) | 0.5252% | 4,857 |
| Pretax return on assets | 0.6268% | 4,919 |
| Return on Equity (ROE) | 6.0571% | 4,139 |
| Retained earnings to average equity (ytd only) | 6.0571% | 2,402 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0683% | 2,288 |
| Assets per employee ($millions) | 3.5665% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 2,844 |
| 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 | 23.6871% | 6,727 |
| Net loans and leases to deposits | 26.2650% | 6,760 |
| Net loans and leases to core deposits | 28.5906% | 6,742 |
| Total domestic deposits to total assets | 90.1852% | 929 |
| Equity capital to assets | 9.2797% | 4,888 |
| Core capital (leverage) ratio | 8.2808% | 5,906 |
| Tier 1 risk-based capital ratio | 23.6437% | 1,042 |
| Total risk-based capital ratio | 24.6758% | 1,051 |
| Memoranda: | ||
| Average total assets | $94,447,330 | 4,954 |
| Average earning assets | $90,137,000 | 4,842 |
| Average equity | $8,188,670 | 5,380 |
| Average total loans | $19,047,670 | 6,354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2418% | 6,886 |
| Cost of funding earning assets | 0.0719% | 6,950 |
| Net interest margin | 2.1699% | 6,777 |
| Noninterest income to average assets | 1.0559% | 1,334 |
| Noninterest expense to average assets | 2.5002% | 4,754 |
| Loan and lease loss provision to assets | 0.0728% | 3,415 |
| Net operating income to assets | 0.4774% | 4,784 |
| Return on assets (ROA) | 0.4774% | 4,952 |
| Pretax return on assets | 0.5583% | 5,088 |
| Return on Equity (ROE) | 5.6789% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.6789% | 2,852 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8450% | 2,356 |
| Assets per employee ($millions) | 4.4225% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,492 |
| 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 | 17.4917% | 6,895 |
| Net loans and leases to deposits | 19.1819% | 6,913 |
| Net loans and leases to core deposits | 23.0693% | 6,881 |
| Total domestic deposits to total assets | 91.1883% | 447 |
| Equity capital to assets | 8.1589% | 6,290 |
| Core capital (leverage) ratio | 7.6422% | 6,394 |
| Tier 1 risk-based capital ratio | 23.0450% | 1,158 |
| Total risk-based capital ratio | 24.0265% | 1,171 |
| Memoranda: | ||
| Average total assets | $98,873,500 | 4,888 |
| Average earning assets | $94,568,000 | 4,774 |
| Average equity | $8,311,500 | 5,408 |
| Average total loans | $18,260,500 | 6,444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5486% | 6,922 |
| Cost of funding earning assets | 0.1017% | 6,995 |
| Net interest margin | 2.4470% | 6,743 |
| Noninterest income to average assets | 1.1580% | 1,165 |
| Noninterest expense to average assets | 2.9108% | 3,592 |
| Loan and lease loss provision to assets | 0.0202% | 5,652 |
| Net operating income to assets | 0.4769% | 4,773 |
| Return on assets (ROA) | 0.4769% | 5,023 |
| Pretax return on assets | 0.5498% | 5,136 |
| Return on Equity (ROE) | 5.2303% | 4,572 |
| Retained earnings to average equity (ytd only) | 5.2303% | 2,552 |
| Net charge-offs to loans | -0.0059% | 6,398 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6235% | 1,673 |
| Assets per employee ($millions) | 4.1752% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 2,887 |
| Loan loss allowance to noncurrent loans | 1,016.1290% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,575 |
| Noncurrent loans to loans | 0.1685% | 6,060 |
| Net loans and leases to total assets | 18.8285% | 6,944 |
| Net loans and leases to deposits | 20.8311% | 6,966 |
| Net loans and leases to core deposits | 24.7458% | 6,924 |
| Total domestic deposits to total assets | 90.3863% | 758 |
| Equity capital to assets | 8.6681% | 5,884 |
| Core capital (leverage) ratio | 8.3448% | 5,832 |
| Tier 1 risk-based capital ratio | 25.1502% | 834 |
| Total risk-based capital ratio | 26.1791% | 852 |
| Memoranda: | ||
| Average total assets | $89,116,800 | 5,111 |
| Average earning assets | $84,595,000 | 4,997 |
| Average equity | $8,125,800 | 5,463 |
| Average total loans | $16,991,600 | 6,553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5803% | 7,030 |
| Cost of funding earning assets | 0.1093% | 7,102 |
| Net interest margin | 2.4710% | 6,845 |
| Noninterest income to average assets | 1.1687% | 1,114 |
| Noninterest expense to average assets | 2.8882% | 3,646 |
| Loan and lease loss provision to assets | 0.0198% | 5,553 |
| Net operating income to assets | 0.5142% | 4,788 |
| Return on assets (ROA) | 0.5142% | 5,046 |
| Pretax return on assets | 0.6057% | 5,150 |
| Return on Equity (ROE) | 5.5635% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.5635% | 2,993 |
| Net charge-offs to loans | -0.0080% | 6,325 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1971% | 1,783 |
| Assets per employee ($millions) | 3.7806% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,835 |
| 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 | 23.0030% | 6,988 |
| Net loans and leases to deposits | 25.7628% | 7,012 |
| Net loans and leases to core deposits | 31.9225% | 6,936 |
| Total domestic deposits to total assets | 89.2874% | 1,248 |
| Equity capital to assets | 9.5844% | 5,094 |
| Core capital (leverage) ratio | 8.6388% | 5,567 |
| Tier 1 risk-based capital ratio | 22.8792% | 1,186 |
| Total risk-based capital ratio | 23.8111% | 1,217 |
| Memoranda: | ||
| Average total assets | $87,388,500 | 5,198 |
| Average earning assets | $82,934,000 | 5,100 |
| Average equity | $8,076,250 | 5,538 |
| Average total loans | $16,640,500 | 6,654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5580% | 7,112 |
| Cost of funding earning assets | 0.1133% | 7,164 |
| Net interest margin | 2.4446% | 6,931 |
| Noninterest income to average assets | 1.1813% | 1,024 |
| Noninterest expense to average assets | 2.8698% | 3,745 |
| Loan and lease loss provision to assets | 0.0206% | 5,408 |
| Net operating income to assets | 0.5118% | 4,766 |
| Return on assets (ROA) | 0.5118% | 5,031 |
| Pretax return on assets | 0.6078% | 5,110 |
| Return on Equity (ROE) | 5.6068% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.6068% | 2,928 |
| Net charge-offs to loans | -0.0130% | 6,335 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0379% | 1,874 |
| Assets per employee ($millions) | 4.1285% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 2,356 |
| 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 | 16.8927% | 7,122 |
| Net loans and leases to deposits | 18.7526% | 7,144 |
| Net loans and leases to core deposits | 23.6636% | 7,106 |
| Total domestic deposits to total assets | 90.0821% | 883 |
| Equity capital to assets | 8.9347% | 5,770 |
| Core capital (leverage) ratio | 8.3521% | 5,845 |
| Tier 1 risk-based capital ratio | 26.2370% | 785 |
| Total risk-based capital ratio | 27.3077% | 785 |
| Memoranda: | ||
| Average total assets | $87,533,330 | 5,240 |
| Average earning assets | $82,957,000 | 5,130 |
| Average equity | $7,990,330 | 5,574 |
| Average total loans | $15,416,670 | 6,774 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5981% | 7,157 |
| Cost of funding earning assets | 0.1232% | 7,222 |
| Net interest margin | 2.4748% | 6,970 |
| Noninterest income to average assets | 1.2482% | 907 |
| Noninterest expense to average assets | 2.9527% | 3,437 |
| Loan and lease loss provision to assets | 0.0233% | 5,051 |
| Net operating income to assets | 0.5076% | 4,795 |
| Return on assets (ROA) | 0.5076% | 5,005 |
| Pretax return on assets | 0.6101% | 5,085 |
| Return on Equity (ROE) | 5.4995% | 4,547 |
| Retained earnings to average equity (ytd only) | 5.4995% | 3,261 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3377% | 1,894 |
| Assets per employee ($millions) | 4.1408% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 2,387 |
| 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 | 16.2673% | 7,187 |
| Net loans and leases to deposits | 18.0148% | 7,207 |
| Net loans and leases to core deposits | 23.6047% | 7,159 |
| Total domestic deposits to total assets | 90.2994% | 914 |
| Equity capital to assets | 8.7346% | 5,831 |
| Core capital (leverage) ratio | 8.3589% | 5,795 |
| Tier 1 risk-based capital ratio | 25.8028% | 822 |
| Total risk-based capital ratio | 26.8547% | 822 |
| Memoranda: | ||
| Average total assets | $85,887,000 | 5,316 |
| Average earning assets | $81,136,500 | 5,215 |
| Average equity | $7,928,000 | 5,622 |
| Average total loans | $15,300,500 | 6,836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0016% | 7,176 |
| Cost of funding earning assets | 0.1775% | 7,258 |
| Net interest margin | 2.8241% | 6,794 |
| Noninterest income to average assets | 1.4446% | 625 |
| Noninterest expense to average assets | 3.0207% | 3,517 |
| Loan and lease loss provision to assets | 0.0232% | 6,288 |
| Net operating income to assets | 0.8402% | 2,874 |
| Return on assets (ROA) | 0.8402% | 3,029 |
| Pretax return on assets | 1.0657% | 2,977 |
| Return on Equity (ROE) | 7.9325% | 2,946 |
| Retained earnings to average equity (ytd only) | -4.2339% | 6,388 |
| Net charge-offs to loans | -0.0304% | 7,002 |
| Credit loss provision to net charge-offs | -360.0000% | 6,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5027% | 3,306 |
| Assets per employee ($millions) | 3.8418% | 4,222 |
| Cash dividends to net income (ytd only)* | 153.3742% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 2,532 |
| 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 | 18.8220% | 7,223 |
| Net loans and leases to deposits | 21.1223% | 7,241 |
| Net loans and leases to core deposits | 26.6820% | 7,190 |
| Total domestic deposits to total assets | 89.1097% | 1,475 |
| Equity capital to assets | 9.7909% | 4,453 |
| Core capital (leverage) ratio | 8.9111% | 4,916 |
| Tier 1 risk-based capital ratio | 26.7670% | 724 |
| Total risk-based capital ratio | 27.8561% | 718 |
| Memoranda: | ||
| Average total assets | $77,598,400 | 5,522 |
| Average earning assets | $73,227,000 | 5,432 |
| Average equity | $8,219,400 | 5,506 |
| Average total loans | $16,424,800 | 6,827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0791% | 7,239 |
| Cost of funding earning assets | 0.1873% | 7,339 |
| Net interest margin | 2.8919% | 6,759 |
| Noninterest income to average assets | 1.5393% | 555 |
| Noninterest expense to average assets | 2.9849% | 3,607 |
| Loan and lease loss provision to assets | 0.0243% | 6,149 |
| Net operating income to assets | 0.9701% | 2,435 |
| Return on assets (ROA) | 0.9701% | 2,603 |
| Pretax return on assets | 1.2634% | 2,417 |
| Return on Equity (ROE) | 8.9802% | 2,609 |
| Retained earnings to average equity (ytd only) | -7.0846% | 6,712 |
| Net charge-offs to loans | -0.0400% | 7,011 |
| Credit loss provision to net charge-offs | -280.0000% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8619% | 3,978 |
| Assets per employee ($millions) | 3.6490% | 4,645 |
| Cash dividends to net income (ytd only)* | 178.8920% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 2,600 |
| 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 | 18.6861% | 7,301 |
| Net loans and leases to deposits | 20.9922% | 7,319 |
| Net loans and leases to core deposits | 26.3259% | 7,273 |
| Total domestic deposits to total assets | 89.0146% | 1,426 |
| Equity capital to assets | 9.7747% | 4,663 |
| Core capital (leverage) ratio | 9.2234% | 4,584 |
| Tier 1 risk-based capital ratio | 26.6148% | 771 |
| Total risk-based capital ratio | 27.6932% | 767 |
| Memoranda: | ||
| Average total assets | $76,828,750 | 5,582 |
| Average earning assets | $72,615,750 | 5,494 |
| Average equity | $8,299,500 | 5,511 |
| Average total loans | $16,660,750 | 6,885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 7,283 |
| Cost of funding earning assets | 0.2016% | 7,413 |
| Net interest margin | 2.9966% | 6,618 |
| Noninterest income to average assets | 1.5936% | 512 |
| Noninterest expense to average assets | 3.0075% | 3,614 |
| Loan and lease loss provision to assets | 0.0238% | 5,997 |
| Net operating income to assets | 1.0545% | 2,020 |
| Return on assets (ROA) | 1.0545% | 2,119 |
| Pretax return on assets | 1.3901% | 1,818 |
| Return on Equity (ROE) | 9.4434% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.4434% | 975 |
| Net charge-offs to loans | -0.0584% | 7,058 |
| Credit loss provision to net charge-offs | -180.0000% | 6,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0215% | 4,508 |
| Assets per employee ($millions) | 3.7093% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 3,021 |
| 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 | 20.1808% | 7,368 |
| Net loans and leases to deposits | 23.0316% | 7,385 |
| Net loans and leases to core deposits | 31.0506% | 7,310 |
| Total domestic deposits to total assets | 87.6220% | 2,391 |
| Equity capital to assets | 11.1123% | 2,852 |
| Core capital (leverage) ratio | 10.3565% | 2,873 |
| Tier 1 risk-based capital ratio | 29.9246% | 537 |
| Total risk-based capital ratio | 30.9954% | 531 |
| Memoranda: | ||
| Average total assets | $75,678,670 | 5,666 |
| Average earning assets | $71,413,670 | 5,572 |
| Average equity | $8,450,330 | 5,474 |
| Average total loans | $17,117,000 | 6,936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3314% | 7,302 |
| Cost of funding earning assets | 0.2103% | 7,473 |
| Net interest margin | 3.1211% | 6,291 |
| Noninterest income to average assets | 1.7004% | 475 |
| Noninterest expense to average assets | 3.0897% | 3,296 |
| Loan and lease loss provision to assets | 0.0215% | 5,684 |
| Net operating income to assets | 1.1426% | 1,690 |
| Return on assets (ROA) | 1.1426% | 1,737 |
| Pretax return on assets | 1.5341% | 1,347 |
| Return on Equity (ROE) | 10.2066% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.2066% | 1,081 |
| Net charge-offs to loans | -0.1132% | 7,120 |
| Credit loss provision to net charge-offs | -80.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5127% | 4,943 |
| Assets per employee ($millions) | 3.7287% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 3,710 |
| 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 | 22.0937% | 7,405 |
| Net loans and leases to deposits | 25.1380% | 7,415 |
| Net loans and leases to core deposits | 33.9582% | 7,307 |
| Total domestic deposits to total assets | 87.8894% | 2,433 |
| Equity capital to assets | 10.7978% | 2,883 |
| Core capital (leverage) ratio | 10.0014% | 3,145 |
| Tier 1 risk-based capital ratio | 27.8014% | 647 |
| Total risk-based capital ratio | 28.8021% | 646 |
| Memoranda: | ||
| Average total assets | $74,570,000 | 5,742 |
| Average earning assets | $70,360,500 | 5,653 |
| Average equity | $8,347,500 | 5,505 |
| Average total loans | $17,672,000 | 6,959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 7,203 |
| Cost of funding earning assets | 0.2980% | 7,507 |
| Net interest margin | 3.5960% | 4,836 |
| Noninterest income to average assets | 1.7573% | 487 |
| Noninterest expense to average assets | 3.4440% | 2,322 |
| Loan and lease loss provision to assets | 0.0254% | 6,869 |
| Net operating income to assets | 1.2266% | 1,353 |
| Return on assets (ROA) | 1.2266% | 1,429 |
| Pretax return on assets | 1.6599% | 1,023 |
| Return on Equity (ROE) | 10.9259% | 1,610 |
| Retained earnings to average equity (ytd only) | 10.9259% | 388 |
| Net charge-offs to loans | -0.0931% | 7,495 |
| Credit loss provision to net charge-offs | -120.0000% | 7,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1436% | 4,732 |
| Assets per employee ($millions) | 3.3732% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,830 |
| 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 | 24.6891% | 7,459 |
| Net loans and leases to deposits | 28.4208% | 7,481 |
| Net loans and leases to core deposits | 37.8870% | 7,352 |
| Total domestic deposits to total assets | 86.8699% | 2,898 |
| Equity capital to assets | 11.6323% | 2,170 |
| Core capital (leverage) ratio | 10.6594% | 2,405 |
| Tier 1 risk-based capital ratio | 26.7777% | 681 |
| Total risk-based capital ratio | 27.7368% | 693 |
| Memoranda: | ||
| Average total assets | $70,847,800 | 5,860 |
| Average earning assets | $66,434,600 | 5,785 |
| Average equity | $7,953,600 | 5,727 |
| Average total loans | $16,109,200 | 7,117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 7,281 |
| Cost of funding earning assets | 0.3153% | 7,628 |
| Net interest margin | 3.6836% | 4,491 |
| Noninterest income to average assets | 1.7464% | 471 |
| Noninterest expense to average assets | 3.4250% | 2,220 |
| Loan and lease loss provision to assets | 0.0264% | 6,802 |
| Net operating income to assets | 1.2815% | 1,374 |
| Return on assets (ROA) | 1.2815% | 1,458 |
| Pretax return on assets | 1.7464% | 1,020 |
| Return on Equity (ROE) | 11.5197% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.5197% | 525 |
| Net charge-offs to loans | -0.1019% | 7,557 |
| Credit loss provision to net charge-offs | -116.6667% | 6,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8943% | 4,885 |
| Assets per employee ($millions) | 3.3603% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 3,661 |
| 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 | 23.6474% | 7,571 |
| Net loans and leases to deposits | 27.3159% | 7,598 |
| Net loans and leases to core deposits | 36.4226% | 7,494 |
| Total domestic deposits to total assets | 86.5700% | 2,773 |
| Equity capital to assets | 11.6869% | 2,367 |
| Core capital (leverage) ratio | 10.5878% | 2,604 |
| Tier 1 risk-based capital ratio | 28.5495% | 592 |
| Total risk-based capital ratio | 29.5710% | 591 |
| Memoranda: | ||
| Average total assets | $70,850,500 | 5,921 |
| Average earning assets | $66,383,000 | 5,853 |
| Average equity | $7,882,000 | 5,828 |
| Average total loans | $15,696,000 | 7,222 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 7,345 |
| Cost of funding earning assets | 0.3335% | 7,692 |
| Net interest margin | 3.6894% | 4,413 |
| Noninterest income to average assets | 1.6548% | 467 |
| Noninterest expense to average assets | 3.4139% | 2,228 |
| Loan and lease loss provision to assets | 0.0254% | 6,686 |
| Net operating income to assets | 1.2348% | 1,464 |
| Return on assets (ROA) | 1.2348% | 1,529 |
| Pretax return on assets | 1.6773% | 1,095 |
| Return on Equity (ROE) | 11.2882% | 1,651 |
| Retained earnings to average equity (ytd only) | 11.2882% | 597 |
| Net charge-offs to loans | -0.0393% | 7,408 |
| Credit loss provision to net charge-offs | -300.0000% | 6,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7218% | 4,836 |
| Assets per employee ($millions) | 3.4012% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,542 |
| 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 | 21.9892% | 7,664 |
| Net loans and leases to deposits | 25.1949% | 7,696 |
| Net loans and leases to core deposits | 35.5613% | 7,573 |
| Total domestic deposits to total assets | 87.2763% | 2,392 |
| Equity capital to assets | 11.0884% | 2,777 |
| Core capital (leverage) ratio | 10.0709% | 3,093 |
| Tier 1 risk-based capital ratio | 28.0624% | 624 |
| Total risk-based capital ratio | 29.0459% | 629 |
| Memoranda: | ||
| Average total assets | $70,945,330 | 5,948 |
| Average earning assets | $66,568,330 | 5,882 |
| Average equity | $7,760,330 | 5,882 |
| Average total loans | $15,277,000 | 7,300 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 7,400 |
| Cost of funding earning assets | 0.3440% | 7,795 |
| Net interest margin | 3.7296% | 4,099 |
| Noninterest income to average assets | 1.7085% | 438 |
| Noninterest expense to average assets | 3.4340% | 2,144 |
| Loan and lease loss provision to assets | 0.0283% | 6,393 |
| Net operating income to assets | 1.2446% | 1,414 |
| Return on assets (ROA) | 1.2446% | 1,487 |
| Pretax return on assets | 1.7425% | 982 |
| Return on Equity (ROE) | 11.4576% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.4576% | 838 |
| Net charge-offs to loans | 0.1875% | 3,800 |
| Credit loss provision to net charge-offs | 71.4286% | 4,068 |
| Earnings coverage of net charge-offs (x) | 44.7143% | 619 |
| Efficiency ratio | 65.9783% | 5,120 |
| Assets per employee ($millions) | 3.4039% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 3,403 |
| 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 | 20.3732% | 7,779 |
| Net loans and leases to deposits | 23.3004% | 7,811 |
| Net loans and leases to core deposits | 30.7678% | 7,735 |
| Total domestic deposits to total assets | 87.4372% | 2,392 |
| Equity capital to assets | 10.8854% | 2,859 |
| Core capital (leverage) ratio | 9.7312% | 3,476 |
| Tier 1 risk-based capital ratio | 26.7431% | 725 |
| Total risk-based capital ratio | 27.6559% | 732 |
| Memoranda: | ||
| Average total assets | $70,705,000 | 6,026 |
| Average earning assets | $66,281,000 | 5,958 |
| Average equity | $7,680,500 | 5,950 |
| Average total loans | $14,936,500 | 7,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 7,054 |
| Cost of funding earning assets | 0.5768% | 7,785 |
| Net interest margin | 4.1735% | 2,159 |
| Noninterest income to average assets | 1.7029% | 501 |
| Noninterest expense to average assets | 3.6737% | 1,973 |
| Loan and lease loss provision to assets | 0.0285% | 7,236 |
| Net operating income to assets | 1.3210% | 995 |
| Return on assets (ROA) | 1.3210% | 1,039 |
| Pretax return on assets | 1.8981% | 515 |
| Return on Equity (ROE) | 13.0494% | 952 |
| Retained earnings to average equity (ytd only) | 13.0494% | 151 |
| Net charge-offs to loans | 0.0761% | 6,354 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 135.2000% | 212 |
| Efficiency ratio | 65.5980% | 5,474 |
| Assets per employee ($millions) | 3.3300% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,316 |
| Loan loss allowance to noncurrent loans | 774.1935% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,394 |
| Noncurrent loans to loans | 0.2057% | 6,912 |
| Net loans and leases to total assets | 21.2101% | 7,854 |
| Net loans and leases to deposits | 24.2686% | 7,878 |
| Net loans and leases to core deposits | 35.8192% | 7,809 |
| Total domestic deposits to total assets | 87.3972% | 2,268 |
| Equity capital to assets | 10.8396% | 2,831 |
| Core capital (leverage) ratio | 9.5481% | 3,663 |
| Tier 1 risk-based capital ratio | 24.0073% | 948 |
| Total risk-based capital ratio | 24.8605% | 965 |
| Memoranda: | ||
| Average total assets | $70,174,800 | 5,994 |
| Average earning assets | $65,532,200 | 5,943 |
| Average equity | $7,103,800 | 6,232 |
| Average total loans | $13,146,400 | 7,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 7,356 |
| Cost of funding earning assets | 0.6178% | 7,874 |
| Net interest margin | 4.0277% | 2,693 |
| Noninterest income to average assets | 1.6762% | 522 |
| Noninterest expense to average assets | 3.5840% | 2,063 |
| Loan and lease loss provision to assets | 0.0285% | 7,066 |
| Net operating income to assets | 1.2054% | 1,456 |
| Return on assets (ROA) | 1.2054% | 1,512 |
| Pretax return on assets | 1.8262% | 759 |
| Return on Equity (ROE) | 12.1214% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.1214% | 335 |
| Net charge-offs to loans | 0.4001% | 3,664 |
| Credit loss provision to net charge-offs | 39.4737% | 6,429 |
| Earnings coverage of net charge-offs (x) | 25.7081% | 1,043 |
| Efficiency ratio | 65.8988% | 5,385 |
| Assets per employee ($millions) | 3.3427% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 19.1279% | 7,958 |
| Net loans and leases to deposits | 23.5380% | 7,971 |
| Net loans and leases to core deposits | 36.5261% | 7,893 |
| Total domestic deposits to total assets | 81.2639% | 4,973 |
| Equity capital to assets | 10.5547% | 3,451 |
| Core capital (leverage) ratio | 8.9556% | 4,715 |
| Tier 1 risk-based capital ratio | 23.0997% | 1,099 |
| Total risk-based capital ratio | 23.8398% | 1,135 |
| Memoranda: | ||
| Average total assets | $70,236,250 | 6,036 |
| Average earning assets | $65,610,250 | 5,973 |
| Average equity | $6,984,750 | 6,319 |
| Average total loans | $12,665,000 | 7,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 7,432 |
| Cost of funding earning assets | 0.6375% | 7,965 |
| Net interest margin | 4.0294% | 2,585 |
| Noninterest income to average assets | 1.6285% | 560 |
| Noninterest expense to average assets | 3.4534% | 2,485 |
| Loan and lease loss provision to assets | 0.0199% | 7,028 |
| Net operating income to assets | 1.2641% | 1,319 |
| Return on assets (ROA) | 1.2641% | 1,398 |
| Pretax return on assets | 1.9160% | 675 |
| Return on Equity (ROE) | 12.9761% | 1,185 |
| Retained earnings to average equity (ytd only) | 12.9761% | 332 |
| Net charge-offs to loans | 0.6158% | 2,496 |
| Credit loss provision to net charge-offs | 18.4211% | 6,142 |
| Earnings coverage of net charge-offs (x) | 17.8947% | 1,446 |
| Efficiency ratio | 64.0782% | 5,899 |
| Assets per employee ($millions) | 3.4543% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 16.2722% | 8,070 |
| Net loans and leases to deposits | 18.3414% | 8,094 |
| Net loans and leases to core deposits | 30.4266% | 8,034 |
| Total domestic deposits to total assets | 88.7181% | 1,422 |
| Equity capital to assets | 9.5642% | 4,531 |
| Core capital (leverage) ratio | 8.2964% | 5,804 |
| Tier 1 risk-based capital ratio | 23.1459% | 1,118 |
| Total risk-based capital ratio | 23.8805% | 1,141 |
| Memoranda: | ||
| Average total assets | $70,249,670 | 6,075 |
| Average earning assets | $65,568,670 | 6,022 |
| Average equity | $6,843,330 | 6,427 |
| Average total loans | $12,342,000 | 7,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 7,475 |
| Cost of funding earning assets | 0.5995% | 8,054 |
| Net interest margin | 4.1217% | 2,208 |
| Noninterest income to average assets | 1.6439% | 508 |
| Noninterest expense to average assets | 3.4499% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3313% | 1,311 |
| Return on assets (ROA) | 1.3313% | 1,408 |
| Pretax return on assets | 2.0144% | 653 |
| Return on Equity (ROE) | 13.5374% | 1,261 |
| Retained earnings to average equity (ytd only) | 13.5374% | 564 |
| Net charge-offs to loans | 0.9271% | 1,429 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,830 |
| Efficiency ratio | 63.1356% | 5,848 |
| Assets per employee ($millions) | 3.6454% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 2,120 |
| Loan loss allowance to noncurrent loans | 1,256.2500% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 7,565 |
| Noncurrent loans to loans | 0.1359% | 7,133 |
| Net loans and leases to total assets | 15.1187% | 8,124 |
| Net loans and leases to deposits | 16.9754% | 8,148 |
| Net loans and leases to core deposits | 27.0515% | 8,103 |
| Total domestic deposits to total assets | 89.0626% | 1,200 |
| Equity capital to assets | 9.0982% | 5,232 |
| Core capital (leverage) ratio | 8.7322% | 5,090 |
| Tier 1 risk-based capital ratio | 19.6618% | 1,684 |
| Total risk-based capital ratio | 20.3142% | 1,763 |
| Memoranda: | ||
| Average total assets | $69,104,000 | 6,141 |
| Average earning assets | $64,052,000 | 6,107 |
| Average equity | $6,796,000 | 6,484 |
| Average total loans | $12,511,500 | 7,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7050% | 6,760 |
| Cost of funding earning assets | 1.0630% | 8,027 |
| Net interest margin | 4.6420% | 1,072 |
| Noninterest income to average assets | 1.7319% | 455 |
| Noninterest expense to average assets | 4.0120% | 1,400 |
| Loan and lease loss provision to assets | -0.2741% | 8,280 |
| Net operating income to assets | 1.4674% | 1,081 |
| Return on assets (ROA) | 1.4642% | 1,054 |
| Pretax return on assets | 2.1931% | 407 |
| Return on Equity (ROE) | 15.0063% | 922 |
| Retained earnings to average equity (ytd only) | 8.3956% | 733 |
| Net charge-offs to loans | -2.1080% | 8,241 |
| Credit loss provision to net charge-offs | 62.2711% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5903% | 4,802 |
| Assets per employee ($millions) | 3.0827% | 5,826 |
| Cash dividends to net income (ytd only)* | 44.0529% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 1,808 |
| Loan loss allowance to noncurrent loans | 2,555.5556% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 7,553 |
| Noncurrent loans to loans | 0.0679% | 7,232 |
| Net loans and leases to total assets | 21.1146% | 8,139 |
| Net loans and leases to deposits | 24.2583% | 8,171 |
| Net loans and leases to core deposits | 32.5117% | 8,135 |
| Total domestic deposits to total assets | 87.0406% | 1,916 |
| Equity capital to assets | 10.7487% | 3,254 |
| Core capital (leverage) ratio | 9.4552% | 4,080 |
| Tier 1 risk-based capital ratio | 25.6099% | 938 |
| Total risk-based capital ratio | 26.6210% | 934 |
| Memoranda: | ||
| Average total assets | $62,013,400 | 6,316 |
| Average earning assets | $56,161,200 | 6,331 |
| Average equity | $6,050,800 | 6,787 |
| Average total loans | $12,950,800 | 7,772 |