Home > The Bank of Commerce > Performance and Condition Ratios
The Bank of Commerce, 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 | 5.0884% | 1,879 |
| Cost of funding earning assets | 1.2915% | 2,542 |
| Net interest margin | 3.7969% | 1,567 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.8587% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9629% | 2,328 |
| Return on assets (ROA) | 0.9629% | 2,317 |
| Pretax return on assets | 0.9629% | 2,771 |
| Return on Equity (ROE) | 10.2000% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.0393% | 2,948 |
| Net charge-offs to loans | 0.0052% | 2,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 400 |
| Efficiency ratio | 74.8037% | 1,367 |
| Assets per employee ($millions) | 5.0381% | 3,606 |
| Cash dividends to net income (ytd only)* | 60.3858% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,351 |
| Loan loss allowance to noncurrent loans | 4,766.6667% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,690 |
| Noncurrent loans to loans | 0.0250% | 3,566 |
| Net loans and leases to total assets | 47.1200% | 3,771 |
| Net loans and leases to deposits | 52.1485% | 3,875 |
| Net loans and leases to core deposits | 57.2441% | 3,865 |
| Total domestic deposits to total assets | 90.3500% | 663 |
| Equity capital to assets | 9.2031% | 2,542 |
| Core capital (leverage) ratio | 11.7472% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,997,800 | 4,112 |
| Average earning assets | $64,421,000 | 4,095 |
| Average equity | $6,610,000 | 4,096 |
| Average total loans | $38,345,200 | 4,019 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 1,566 |
| Cost of funding earning assets | 1.2057% | 2,417 |
| Net interest margin | 3.9302% | 1,344 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.8705% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9484% | 2,519 |
| Return on assets (ROA) | 0.9484% | 2,504 |
| Pretax return on assets | 0.9484% | 2,982 |
| Return on Equity (ROE) | 9.9700% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.8247% | 2,682 |
| Net charge-offs to loans | 0.0034% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 488.0000% | 312 |
| Efficiency ratio | 75.1654% | 1,256 |
| Assets per employee ($millions) | 4.2336% | 4,071 |
| Cash dividends to net income (ytd only)* | 41.5984% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,109 |
| Loan loss allowance to noncurrent loans | 3,307.6923% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,637 |
| Noncurrent loans to loans | 0.0318% | 3,543 |
| Net loans and leases to total assets | 59.7200% | 2,874 |
| Net loans and leases to deposits | 66.3186% | 3,104 |
| Net loans and leases to core deposits | 72.5702% | 3,074 |
| Total domestic deposits to total assets | 90.0500% | 925 |
| Equity capital to assets | 9.5781% | 2,054 |
| Core capital (leverage) ratio | 11.9392% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $68,604,250 | 4,142 |
| Average earning assets | $63,032,250 | 4,127 |
| Average equity | $6,523,750 | 4,106 |
| Average total loans | $38,922,500 | 4,024 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 1,631 |
| Cost of funding earning assets | 1.0461% | 2,462 |
| Net interest margin | 3.9118% | 1,402 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.8131% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9870% | 2,462 |
| Return on assets (ROA) | 0.9870% | 2,450 |
| Pretax return on assets | 0.9870% | 2,953 |
| Return on Equity (ROE) | 10.4000% | 2,596 |
| Retained earnings to average equity (ytd only) | 6.5793% | 2,423 |
| Net charge-offs to loans | 0.0052% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 412 |
| Efficiency ratio | 74.0260% | 1,342 |
| Assets per employee ($millions) | 4.4335% | 3,993 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 2,997 |
| Loan loss allowance to noncurrent loans | 551.2821% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,713 |
| Noncurrent loans to loans | 0.1976% | 2,474 |
| Net loans and leases to total assets | 58.7000% | 2,897 |
| Net loans and leases to deposits | 65.3979% | 3,096 |
| Net loans and leases to core deposits | 70.3060% | 3,108 |
| Total domestic deposits to total assets | 89.7600% | 989 |
| Equity capital to assets | 9.9170% | 1,904 |
| Core capital (leverage) ratio | 11.9903% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,893,000 | 4,159 |
| Average earning assets | $63,091,000 | 4,149 |
| Average equity | $6,535,667 | 4,127 |
| Average total loans | $38,268,333 | 4,047 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 1,414 |
| Cost of funding earning assets | 0.8496% | 2,537 |
| Net interest margin | 4.0479% | 1,182 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.6994% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2099% | 1,905 |
| Return on assets (ROA) | 1.2099% | 1,864 |
| Pretax return on assets | 1.2099% | 2,404 |
| Return on Equity (ROE) | 13.0300% | 1,979 |
| Retained earnings to average equity (ytd only) | 13.0341% | 1,090 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0511% | 1,855 |
| Assets per employee ($millions) | 4.8504% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,927 |
| Loan loss allowance to noncurrent loans | 3,591.6667% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,640 |
| Noncurrent loans to loans | 0.0314% | 3,536 |
| Net loans and leases to total assets | 55.7100% | 3,057 |
| Net loans and leases to deposits | 61.9555% | 3,227 |
| Net loans and leases to core deposits | 67.5234% | 3,134 |
| Total domestic deposits to total assets | 89.9200% | 1,186 |
| Equity capital to assets | 9.8636% | 1,892 |
| Core capital (leverage) ratio | 11.2759% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $70,088,500 | 4,201 |
| Average earning assets | $64,032,500 | 4,195 |
| Average equity | $6,506,000 | 4,186 |
| Average total loans | $37,669,500 | 4,110 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 2,933 |
| Cost of funding earning assets | 0.2787% | 3,055 |
| Net interest margin | 3.2744% | 2,633 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.6123% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5838% | 3,916 |
| Return on assets (ROA) | 0.5838% | 3,881 |
| Pretax return on assets | 0.5838% | 4,056 |
| Return on Equity (ROE) | 6.2100% | 3,791 |
| Retained earnings to average equity (ytd only) | 2.4424% | 3,875 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.7346% | 610 |
| Assets per employee ($millions) | 5.1622% | 3,544 |
| Cash dividends to net income (ytd only)* | 60.6715% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,333 |
| Loan loss allowance to noncurrent loans | 4,483.3333% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,684 |
| Noncurrent loans to loans | 0.0324% | 3,549 |
| Net loans and leases to total assets | 50.5600% | 3,464 |
| Net loans and leases to deposits | 55.5378% | 3,602 |
| Net loans and leases to core deposits | 60.1264% | 3,497 |
| Total domestic deposits to total assets | 91.0400% | 942 |
| Equity capital to assets | 8.7366% | 2,537 |
| Core capital (leverage) ratio | 11.0539% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9882% | 831 |
| Memoranda: | ||
| Average total assets | $71,430,200 | 4,220 |
| Average earning assets | $65,661,200 | 4,200 |
| Average equity | $6,714,600 | 4,247 |
| Average total loans | $35,866,800 | 4,139 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 3,072 |
| Cost of funding earning assets | 0.2239% | 3,003 |
| Net interest margin | 3.1160% | 2,882 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.5891% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4661% | 4,137 |
| Return on assets (ROA) | 0.4661% | 4,084 |
| Pretax return on assets | 0.4661% | 4,192 |
| Return on Equity (ROE) | 4.8700% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.5217% | 3,609 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.7426% | 507 |
| Assets per employee ($millions) | 4.5940% | 3,986 |
| Cash dividends to net income (ytd only)* | 27.7108% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,626 |
| Loan loss allowance to noncurrent loans | 163.0303% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 1,065 |
| Noncurrent loans to loans | 0.8551% | 919 |
| Net loans and leases to total assets | 59.1700% | 2,587 |
| Net loans and leases to deposits | 65.4501% | 2,758 |
| Net loans and leases to core deposits | 71.2608% | 2,548 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 9.4036% | 1,946 |
| Core capital (leverage) ratio | 11.9502% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0544% | 857 |
| Memoranda: | ||
| Average total assets | $71,220,000 | 4,255 |
| Average earning assets | $65,509,250 | 4,231 |
| Average equity | $6,814,750 | 4,283 |
| Average total loans | $35,564,000 | 4,165 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9948% | 3,575 |
| Cost of funding earning assets | 0.1831% | 3,141 |
| Net interest margin | 2.8117% | 3,416 |
| Noninterest income to average assets | 0.1795% | 4,108 |
| Noninterest expense to average assets | 2.4592% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3101% | 4,272 |
| Return on assets (ROA) | 0.3101% | 4,222 |
| Pretax return on assets | 0.3101% | 4,286 |
| Return on Equity (ROE) | 3.2247% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.2247% | 3,377 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8016% | 467 |
| Assets per employee ($millions) | 4.7050% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 1,324 |
| Loan loss allowance to noncurrent loans | 489.0909% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,535 |
| Noncurrent loans to loans | 0.3132% | 2,218 |
| Net loans and leases to total assets | 52.5034% | 3,110 |
| Net loans and leases to deposits | 58.4515% | 3,182 |
| Net loans and leases to core deposits | 63.1856% | 3,024 |
| Total domestic deposits to total assets | 89.8239% | 1,785 |
| Equity capital to assets | 10.0471% | 1,690 |
| Core capital (leverage) ratio | 10.7516% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0019% | 719 |
| Memoranda: | ||
| Average total assets | $73,521,333 | 4,277 |
| Average earning assets | $67,717,000 | 4,269 |
| Average equity | $7,070,333 | 4,310 |
| Average total loans | $34,554,667 | 4,238 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6254% | 4,079 |
| Cost of funding earning assets | 0.1672% | 3,261 |
| Net interest margin | 2.4582% | 3,980 |
| Noninterest income to average assets | 0.1551% | 4,226 |
| Noninterest expense to average assets | 2.3013% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1345% | 4,426 |
| Return on assets (ROA) | 0.1345% | 4,397 |
| Pretax return on assets | 0.1345% | 4,406 |
| Return on Equity (ROE) | 1.4253% | 4,352 |
| Retained earnings to average equity (ytd only) | 1.4253% | 3,712 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4798% | 376 |
| Assets per employee ($millions) | 5.5606% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,250 |
| Loan loss allowance to noncurrent loans | 554.6392% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,939 |
| Noncurrent loans to loans | 0.2900% | 2,433 |
| Net loans and leases to total assets | 42.2703% | 3,864 |
| Net loans and leases to deposits | 46.4421% | 3,953 |
| Net loans and leases to core deposits | 49.9704% | 3,875 |
| Total domestic deposits to total assets | 91.0172% | 1,024 |
| Equity capital to assets | 8.9250% | 2,780 |
| Core capital (leverage) ratio | 10.0901% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1330% | 888 |
| Memoranda: | ||
| Average total assets | $77,347,000 | 4,249 |
| Average earning assets | $71,760,000 | 4,246 |
| Average equity | $7,296,500 | 4,332 |
| Average total loans | $34,271,000 | 4,257 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0684% | 3,746 |
| Cost of funding earning assets | 0.2455% | 2,987 |
| Net interest margin | 2.8230% | 3,613 |
| Noninterest income to average assets | 0.1919% | 4,206 |
| Noninterest expense to average assets | 2.1024% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6917% | 3,649 |
| Return on assets (ROA) | 0.6917% | 3,706 |
| Pretax return on assets | 0.6917% | 3,943 |
| Return on Equity (ROE) | 6.3501% | 3,689 |
| Retained earnings to average equity (ytd only) | 3.0501% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2435% | 1,181 |
| Assets per employee ($millions) | 5.4889% | 3,268 |
| Cash dividends to net income (ytd only)* | 51.9669% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,445 |
| Loan loss allowance to noncurrent loans | 420.3125% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 2,769 |
| Noncurrent loans to loans | 0.3647% | 2,279 |
| Net loans and leases to total assets | 44.9723% | 3,769 |
| Net loans and leases to deposits | 50.1117% | 3,867 |
| Net loans and leases to core deposits | 54.0263% | 3,752 |
| Total domestic deposits to total assets | 89.7443% | 1,086 |
| Equity capital to assets | 9.9486% | 2,698 |
| Core capital (leverage) ratio | 11.0626% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8127% | 921 |
| Memoranda: | ||
| Average total assets | $69,824,400 | 4,342 |
| Average earning assets | $64,365,000 | 4,329 |
| Average equity | $7,606,200 | 4,368 |
| Average total loans | $33,030,400 | 4,314 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0821% | 3,852 |
| Cost of funding earning assets | 0.2748% | 2,849 |
| Net interest margin | 2.8074% | 3,764 |
| Noninterest income to average assets | 0.2018% | 4,188 |
| Noninterest expense to average assets | 2.6325% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1508% | 4,662 |
| Return on assets (ROA) | 0.1508% | 4,683 |
| Pretax return on assets | 0.1508% | 4,690 |
| Return on Equity (ROE) | 1.3515% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.0351% | 4,557 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5813% | 221 |
| Assets per employee ($millions) | 4.3371% | 4,238 |
| Cash dividends to net income (ytd only)* | 97.4026% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 1,472 |
| Loan loss allowance to noncurrent loans | 212.6482% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 1,891 |
| Noncurrent loans to loans | 0.7274% | 1,538 |
| Net loans and leases to total assets | 52.6338% | 3,126 |
| Net loans and leases to deposits | 59.8584% | 3,241 |
| Net loans and leases to core deposits | 65.5688% | 2,995 |
| Total domestic deposits to total assets | 87.9306% | 1,885 |
| Equity capital to assets | 11.5391% | 1,640 |
| Core capital (leverage) ratio | 11.2641% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1511% | 933 |
| Memoranda: | ||
| Average total assets | $68,069,250 | 4,414 |
| Average earning assets | $62,595,750 | 4,413 |
| Average equity | $7,596,500 | 4,431 |
| Average total loans | $32,513,750 | 4,387 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9731% | 4,091 |
| Cost of funding earning assets | 0.3049% | 2,739 |
| Net interest margin | 2.6682% | 4,043 |
| Noninterest income to average assets | 0.2085% | 4,156 |
| Noninterest expense to average assets | 2.5712% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0956% | 4,717 |
| Return on assets (ROA) | 0.0956% | 4,733 |
| Pretax return on assets | 0.0956% | 4,739 |
| Return on Equity (ROE) | 0.8654% | 4,720 |
| Retained earnings to average equity (ytd only) | -1.1014% | 4,612 |
| Net charge-offs to loans | -0.0063% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4169% | 211 |
| Assets per employee ($millions) | 4.4689% | 4,120 |
| Cash dividends to net income (ytd only)* | 227.2727% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,162 |
| Loan loss allowance to noncurrent loans | 88.7974% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 853 |
| Noncurrent loans to loans | 1.8625% | 544 |
| Net loans and leases to total assets | 47.8153% | 3,741 |
| Net loans and leases to deposits | 53.9741% | 3,859 |
| Net loans and leases to core deposits | 58.9159% | 3,690 |
| Total domestic deposits to total assets | 88.5892% | 1,520 |
| Equity capital to assets | 11.2273% | 1,814 |
| Core capital (leverage) ratio | 11.2265% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0279% | 801 |
| Memoranda: | ||
| Average total assets | $69,073,333 | 4,436 |
| Average earning assets | $63,637,333 | 4,424 |
| Average equity | $7,626,333 | 4,455 |
| Average total loans | $31,758,333 | 4,438 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9298% | 4,213 |
| Cost of funding earning assets | 0.3585% | 2,455 |
| Net interest margin | 2.5713% | 4,202 |
| Noninterest income to average assets | 0.2054% | 4,152 |
| Noninterest expense to average assets | 2.5223% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0571% | 4,749 |
| Return on assets (ROA) | 0.0571% | 4,758 |
| Pretax return on assets | 0.0571% | 4,758 |
| Return on Equity (ROE) | 0.5211% | 4,751 |
| Retained earnings to average equity (ytd only) | 0.5211% | 4,298 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7876% | 221 |
| Assets per employee ($millions) | 4.4535% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 1,087 |
| Loan loss allowance to noncurrent loans | 72.2148% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 704 |
| Noncurrent loans to loans | 2.3318% | 418 |
| Net loans and leases to total assets | 47.0225% | 3,889 |
| Net loans and leases to deposits | 53.1632% | 3,993 |
| Net loans and leases to core deposits | 57.6156% | 3,865 |
| Total domestic deposits to total assets | 88.4494% | 1,634 |
| Equity capital to assets | 11.4113% | 1,599 |
| Core capital (leverage) ratio | 10.6532% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7065% | 712 |
| Memoranda: | ||
| Average total assets | $70,093,500 | 4,437 |
| Average earning assets | $64,714,500 | 4,427 |
| Average equity | $7,676,500 | 4,463 |
| Average total loans | $31,342,000 | 4,466 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 3,023 |
| Cost of funding earning assets | 0.4868% | 3,035 |
| Net interest margin | 3.4143% | 2,733 |
| Noninterest income to average assets | 0.2422% | 4,043 |
| Noninterest expense to average assets | 2.9342% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4242% | 4,198 |
| Return on assets (ROA) | 0.4320% | 4,261 |
| Pretax return on assets | 0.4320% | 4,373 |
| Return on Equity (ROE) | 3.6335% | 4,242 |
| Retained earnings to average equity (ytd only) | 0.9862% | 4,237 |
| Net charge-offs to loans | 0.0238% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 34.3750% | 1,491 |
| Efficiency ratio | 87.3679% | 472 |
| Assets per employee ($millions) | 4.8923% | 3,512 |
| Cash dividends to net income (ytd only)* | 72.8571% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 945 |
| Loan loss allowance to noncurrent loans | 225.1046% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 2,691 |
| Noncurrent loans to loans | 0.7776% | 1,774 |
| Net loans and leases to total assets | 41.1474% | 4,395 |
| Net loans and leases to deposits | 46.0740% | 4,462 |
| Net loans and leases to core deposits | 49.7184% | 4,428 |
| Total domestic deposits to total assets | 89.3071% | 853 |
| Equity capital to assets | 10.5335% | 2,641 |
| Core capital (leverage) ratio | 11.8472% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,821,200 | 4,446 |
| Average earning assets | $59,162,800 | 4,451 |
| Average equity | $7,706,000 | 4,456 |
| Average total loans | $33,612,200 | 4,440 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 2,669 |
| Cost of funding earning assets | 0.5151% | 3,138 |
| Net interest margin | 3.5848% | 2,324 |
| Noninterest income to average assets | 0.2404% | 4,047 |
| Noninterest expense to average assets | 3.0269% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4701% | 4,118 |
| Return on assets (ROA) | 0.4807% | 4,159 |
| Pretax return on assets | 0.4807% | 4,316 |
| Return on Equity (ROE) | 3.9133% | 4,178 |
| Retained earnings to average equity (ytd only) | 1.7142% | 4,025 |
| Net charge-offs to loans | 0.0311% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 1,658 |
| Efficiency ratio | 86.5572% | 474 |
| Assets per employee ($millions) | 3.9737% | 4,335 |
| Cash dividends to net income (ytd only)* | 56.1947% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,372 |
| Loan loss allowance to noncurrent loans | 135.8586% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 1,735 |
| Noncurrent loans to loans | 1.1069% | 1,363 |
| Net loans and leases to total assets | 59.1158% | 3,312 |
| Net loans and leases to deposits | 68.1706% | 3,450 |
| Net loans and leases to core deposits | 75.0916% | 3,234 |
| Total domestic deposits to total assets | 86.7176% | 1,765 |
| Equity capital to assets | 12.9754% | 1,193 |
| Core capital (leverage) ratio | 12.1800% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,680,250 | 4,492 |
| Average earning assets | $56,942,000 | 4,501 |
| Average equity | $7,700,000 | 4,480 |
| Average total loans | $34,331,750 | 4,455 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,225 |
| Cost of funding earning assets | 0.5106% | 3,473 |
| Net interest margin | 3.5294% | 2,703 |
| Noninterest income to average assets | 0.2355% | 4,066 |
| Noninterest expense to average assets | 2.9888% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4584% | 4,113 |
| Return on assets (ROA) | 0.4741% | 4,143 |
| Pretax return on assets | 0.4741% | 4,291 |
| Return on Equity (ROE) | 3.9279% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.6388% | 3,895 |
| Net charge-offs to loans | 0.0473% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,773 |
| Efficiency ratio | 86.7031% | 512 |
| Assets per employee ($millions) | 4.1995% | 4,106 |
| Cash dividends to net income (ytd only)* | 58.2781% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.6846% | 3,901 |
| Net loans and leases to deposits | 61.3160% | 4,052 |
| Net loans and leases to core deposits | 67.0879% | 3,917 |
| Total domestic deposits to total assets | 87.5540% | 1,400 |
| Equity capital to assets | 12.2841% | 1,491 |
| Core capital (leverage) ratio | 12.0268% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,705,333 | 4,486 |
| Average earning assets | $57,970,667 | 4,492 |
| Average equity | $7,688,667 | 4,500 |
| Average total loans | $33,851,000 | 4,483 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,000 |
| Cost of funding earning assets | 0.5760% | 3,560 |
| Net interest margin | 3.6962% | 2,338 |
| Noninterest income to average assets | 0.2123% | 4,275 |
| Noninterest expense to average assets | 3.0096% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5682% | 3,688 |
| Return on assets (ROA) | 0.5994% | 3,654 |
| Pretax return on assets | 0.5994% | 3,918 |
| Return on Equity (ROE) | 5.0104% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.0104% | 2,273 |
| Net charge-offs to loans | 0.0119% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 619 |
| Efficiency ratio | 84.1187% | 826 |
| Assets per employee ($millions) | 4.1389% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 1,048 |
| Loan loss allowance to noncurrent loans | 153.5211% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 2,284 |
| Noncurrent loans to loans | 1.0481% | 1,585 |
| Net loans and leases to total assets | 53.6789% | 4,014 |
| Net loans and leases to deposits | 61.4100% | 4,133 |
| Net loans and leases to core deposits | 67.2668% | 4,019 |
| Total domestic deposits to total assets | 87.4106% | 1,376 |
| Equity capital to assets | 12.4928% | 1,740 |
| Core capital (leverage) ratio | 11.9909% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,062,000 | 4,496 |
| Average earning assets | $58,330,000 | 4,510 |
| Average equity | $7,664,000 | 4,530 |
| Average total loans | $33,599,000 | 4,515 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 2,829 |
| Cost of funding earning assets | 0.5902% | 3,679 |
| Net interest margin | 3.9446% | 2,018 |
| Noninterest income to average assets | 0.3114% | 3,830 |
| Noninterest expense to average assets | 3.1474% | 1,650 |
| Loan and lease loss provision to assets | 0.2134% | 934 |
| Net operating income to assets | 0.5533% | 4,280 |
| Return on assets (ROA) | 0.5533% | 4,336 |
| Pretax return on assets | 0.5533% | 4,484 |
| Return on Equity (ROE) | 4.5505% | 4,338 |
| Retained earnings to average equity (ytd only) | -1.2091% | 4,825 |
| Net charge-offs to loans | 0.5051% | 369 |
| Credit loss provision to net charge-offs | 75.4190% | 2,848 |
| Earnings coverage of net charge-offs (x) | 2.7095% | 3,386 |
| Efficiency ratio | 80.4120% | 910 |
| Assets per employee ($millions) | 4.4027% | 3,366 |
| Cash dividends to net income (ytd only)* | 126.5714% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 904 |
| Loan loss allowance to noncurrent loans | 62.3288% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 821 |
| Noncurrent loans to loans | 2.6285% | 399 |
| Net loans and leases to total assets | 49.6381% | 4,341 |
| Net loans and leases to deposits | 56.1559% | 4,453 |
| Net loans and leases to core deposits | 61.2889% | 4,374 |
| Total domestic deposits to total assets | 88.3934% | 943 |
| Equity capital to assets | 11.4658% | 2,558 |
| Core capital (leverage) ratio | 12.1862% | 1,665 |
| Tier 1 risk-based capital ratio | 19.2627% | 1,468 |
| Total risk-based capital ratio | 20.5137% | 1,433 |
| Memoranda: | ||
| Average total assets | $63,258,400 | 4,543 |
| Average earning assets | $57,775,600 | 4,562 |
| Average equity | $7,691,400 | 4,545 |
| Average total loans | $35,439,800 | 4,519 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 2,696 |
| Cost of funding earning assets | 0.5889% | 3,743 |
| Net interest margin | 4.0198% | 1,871 |
| Noninterest income to average assets | 0.3282% | 3,783 |
| Noninterest expense to average assets | 3.1264% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8674% | 3,460 |
| Return on assets (ROA) | 0.8674% | 3,541 |
| Pretax return on assets | 0.8674% | 3,961 |
| Return on Equity (ROE) | 7.0280% | 3,666 |
| Retained earnings to average equity (ytd only) | 2.1758% | 4,211 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2818% | 1,072 |
| Assets per employee ($millions) | 4.2529% | 3,548 |
| Cash dividends to net income (ytd only)* | 69.0427% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,129 |
| Loan loss allowance to noncurrent loans | 64.8352% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5284% | 714 |
| Noncurrent loans to loans | 2.3834% | 510 |
| Net loans and leases to total assets | 63.1330% | 3,373 |
| Net loans and leases to deposits | 72.8658% | 3,563 |
| Net loans and leases to core deposits | 79.2269% | 3,448 |
| Total domestic deposits to total assets | 86.6428% | 1,714 |
| Equity capital to assets | 13.1237% | 1,553 |
| Core capital (leverage) ratio | 12.6827% | 1,487 |
| Tier 1 risk-based capital ratio | 17.9971% | 1,819 |
| Total risk-based capital ratio | 19.2492% | 1,767 |
| Memoranda: | ||
| Average total assets | $62,563,000 | 4,611 |
| Average earning assets | $57,049,250 | 4,635 |
| Average equity | $7,721,250 | 4,598 |
| Average total loans | $35,968,000 | 4,561 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5310% | 2,912 |
| Cost of funding earning assets | 0.5815% | 3,746 |
| Net interest margin | 3.9494% | 2,094 |
| Noninterest income to average assets | 0.3303% | 3,735 |
| Noninterest expense to average assets | 3.0108% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9092% | 3,244 |
| Return on assets (ROA) | 0.9092% | 3,309 |
| Pretax return on assets | 0.9092% | 3,822 |
| Return on Equity (ROE) | 7.5159% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.4732% | 3,027 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8058% | 1,298 |
| Assets per employee ($millions) | 4.0279% | 3,829 |
| Cash dividends to net income (ytd only)* | 40.4844% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 983 |
| Loan loss allowance to noncurrent loans | 63.9220% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 732 |
| Noncurrent loans to loans | 2.5378% | 463 |
| Net loans and leases to total assets | 59.2208% | 3,808 |
| Net loans and leases to deposits | 68.1654% | 3,960 |
| Net loans and leases to core deposits | 73.0010% | 3,944 |
| Total domestic deposits to total assets | 86.8781% | 1,650 |
| Equity capital to assets | 12.9763% | 1,598 |
| Core capital (leverage) ratio | 12.3029% | 1,636 |
| Tier 1 risk-based capital ratio | 18.4726% | 1,677 |
| Total risk-based capital ratio | 19.7241% | 1,640 |
| Memoranda: | ||
| Average total assets | $63,570,330 | 4,628 |
| Average earning assets | $57,780,330 | 4,654 |
| Average equity | $7,690,330 | 4,627 |
| Average total loans | $35,230,670 | 4,619 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 3,107 |
| Cost of funding earning assets | 0.5541% | 3,806 |
| Net interest margin | 3.8786% | 2,253 |
| Noninterest income to average assets | 0.3131% | 3,765 |
| Noninterest expense to average assets | 2.9411% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8964% | 3,245 |
| Return on assets (ROA) | 0.8964% | 3,300 |
| Pretax return on assets | 0.8964% | 3,778 |
| Return on Equity (ROE) | 7.6686% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.6686% | 1,782 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6400% | 1,433 |
| Assets per employee ($millions) | 4.4609% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 804 |
| Loan loss allowance to noncurrent loans | 56.1905% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 665 |
| Noncurrent loans to loans | 3.0835% | 344 |
| Net loans and leases to total assets | 53.5803% | 4,229 |
| Net loans and leases to deposits | 61.1983% | 4,348 |
| Net loans and leases to core deposits | 64.6734% | 4,349 |
| Total domestic deposits to total assets | 87.5520% | 1,547 |
| Equity capital to assets | 12.3695% | 1,811 |
| Core capital (leverage) ratio | 11.6085% | 2,045 |
| Tier 1 risk-based capital ratio | 18.8890% | 1,568 |
| Total risk-based capital ratio | 20.1413% | 1,535 |
| Memoranda: | ||
| Average total assets | $65,146,500 | 4,654 |
| Average earning assets | $59,197,000 | 4,669 |
| Average equity | $7,615,500 | 4,663 |
| Average total loans | $34,661,000 | 4,683 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 3,521 |
| Cost of funding earning assets | 0.4714% | 3,543 |
| Net interest margin | 3.7006% | 3,033 |
| Noninterest income to average assets | 0.2615% | 4,367 |
| Noninterest expense to average assets | 2.8785% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7622% | 3,932 |
| Return on assets (ROA) | 0.7622% | 3,935 |
| Pretax return on assets | 0.7622% | 4,266 |
| Return on Equity (ROE) | 6.8167% | 3,891 |
| Retained earnings to average equity (ytd only) | 1.3500% | 4,595 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0640% | 1,034 |
| Assets per employee ($millions) | 4.5227% | 3,136 |
| Cash dividends to net income (ytd only)* | 80.1961% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 880 |
| Loan loss allowance to noncurrent loans | 29,500.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,916 |
| Noncurrent loans to loans | 0.0057% | 4,798 |
| Net loans and leases to total assets | 51.1195% | 4,447 |
| Net loans and leases to deposits | 57.6089% | 4,591 |
| Net loans and leases to core deposits | 61.1586% | 4,578 |
| Total domestic deposits to total assets | 88.7354% | 970 |
| Equity capital to assets | 11.0641% | 2,625 |
| Core capital (leverage) ratio | 12.3085% | 1,556 |
| Tier 1 risk-based capital ratio | 18.0171% | 1,752 |
| Total risk-based capital ratio | 19.2700% | 1,707 |
| Memoranda: | ||
| Average total assets | $66,909,200 | 4,633 |
| Average earning assets | $61,098,000 | 4,648 |
| Average equity | $7,481,600 | 4,681 |
| Average total loans | $36,579,400 | 4,642 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,455 |
| Cost of funding earning assets | 0.4569% | 3,483 |
| Net interest margin | 3.6942% | 3,042 |
| Noninterest income to average assets | 0.2740% | 4,322 |
| Noninterest expense to average assets | 2.9355% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7179% | 4,172 |
| Return on assets (ROA) | 0.7179% | 4,182 |
| Pretax return on assets | 0.7179% | 4,494 |
| Return on Equity (ROE) | 6.4029% | 4,141 |
| Retained earnings to average equity (ytd only) | 3.0142% | 4,234 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3503% | 911 |
| Assets per employee ($millions) | 3.9035% | 4,037 |
| Cash dividends to net income (ytd only)* | 52.9259% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.5561% | 3,479 |
| Net loans and leases to deposits | 73.1465% | 3,668 |
| Net loans and leases to core deposits | 78.4774% | 3,623 |
| Total domestic deposits to total assets | 86.8888% | 1,781 |
| Equity capital to assets | 12.8362% | 1,402 |
| Core capital (leverage) ratio | 12.5239% | 1,487 |
| Tier 1 risk-based capital ratio | 17.8522% | 1,829 |
| Total risk-based capital ratio | 19.1036% | 1,794 |
| Memoranda: | ||
| Average total assets | $66,676,250 | 4,689 |
| Average earning assets | $60,995,750 | 4,700 |
| Average equity | $7,475,500 | 4,730 |
| Average total loans | $36,906,750 | 4,685 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,927 |
| Cost of funding earning assets | 0.4274% | 3,518 |
| Net interest margin | 3.5226% | 3,562 |
| Noninterest income to average assets | 0.2450% | 4,541 |
| Noninterest expense to average assets | 2.7932% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6832% | 4,242 |
| Return on assets (ROA) | 0.6832% | 4,248 |
| Pretax return on assets | 0.6832% | 4,550 |
| Return on Equity (ROE) | 6.3522% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.0472% | 3,588 |
| Net charge-offs to loans | 0.0055% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 371 |
| Efficiency ratio | 80.3483% | 975 |
| Assets per employee ($millions) | 4.5314% | 3,085 |
| Cash dividends to net income (ytd only)* | 36.2869% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,159 |
| 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 | 57.8319% | 4,010 |
| Net loans and leases to deposits | 65.7055% | 4,180 |
| Net loans and leases to core deposits | 70.0193% | 4,143 |
| Total domestic deposits to total assets | 88.0168% | 1,374 |
| Equity capital to assets | 11.8098% | 1,984 |
| Core capital (leverage) ratio | 11.4379% | 2,124 |
| Tier 1 risk-based capital ratio | 17.1470% | 2,050 |
| Total risk-based capital ratio | 18.3988% | 1,995 |
| Memoranda: | ||
| Average total assets | $69,384,000 | 4,691 |
| Average earning assets | $63,645,670 | 4,696 |
| Average equity | $7,462,000 | 4,779 |
| Average total loans | $36,607,670 | 4,732 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,322 |
| Cost of funding earning assets | 0.3905% | 3,657 |
| Net interest margin | 3.3705% | 3,984 |
| Noninterest income to average assets | 0.1548% | 5,090 |
| Noninterest expense to average assets | 2.6646% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5915% | 4,446 |
| Return on assets (ROA) | 0.5915% | 4,452 |
| Pretax return on assets | 0.5915% | 4,705 |
| Return on Equity (ROE) | 5.7473% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.7473% | 2,833 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8336% | 964 |
| Assets per employee ($millions) | 4.8696% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 1,157 |
| 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 | 53.2138% | 4,352 |
| Net loans and leases to deposits | 59.8746% | 4,477 |
| Net loans and leases to core deposits | 63.4608% | 4,455 |
| Total domestic deposits to total assets | 88.8755% | 1,162 |
| Equity capital to assets | 11.0027% | 2,575 |
| Core capital (leverage) ratio | 10.7315% | 2,707 |
| Tier 1 risk-based capital ratio | 16.8694% | 2,152 |
| Total risk-based capital ratio | 18.1192% | 2,105 |
| Memoranda: | ||
| Average total assets | $72,356,500 | 4,703 |
| Average earning assets | $66,577,500 | 4,705 |
| Average equity | $7,447,000 | 4,830 |
| Average total loans | $36,273,000 | 4,796 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,359 |
| Cost of funding earning assets | 0.3394% | 3,805 |
| Net interest margin | 3.6735% | 2,899 |
| Noninterest income to average assets | 0.1760% | 5,078 |
| Noninterest expense to average assets | 2.8008% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7751% | 3,275 |
| Return on assets (ROA) | 0.7751% | 3,314 |
| Pretax return on assets | 0.7751% | 4,318 |
| Return on Equity (ROE) | 7.1029% | 3,217 |
| Retained earnings to average equity (ytd only) | 0.7463% | 4,744 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3245% | 1,311 |
| Assets per employee ($millions) | 5.1026% | 2,359 |
| Cash dividends to net income (ytd only)* | 89.4934% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 1,027 |
| 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 | 45.8433% | 4,902 |
| Net loans and leases to deposits | 50.8065% | 5,034 |
| Net loans and leases to core deposits | 53.2007% | 5,035 |
| Total domestic deposits to total assets | 90.2311% | 488 |
| Equity capital to assets | 9.6591% | 4,077 |
| Core capital (leverage) ratio | 10.8315% | 2,493 |
| Tier 1 risk-based capital ratio | 16.4866% | 2,269 |
| Total risk-based capital ratio | 17.7385% | 2,206 |
| Memoranda: | ||
| Average total assets | $68,765,000 | 4,798 |
| Average earning assets | $63,644,400 | 4,792 |
| Average equity | $7,504,000 | 4,859 |
| Average total loans | $38,051,200 | 4,788 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 2,950 |
| Cost of funding earning assets | 0.3381% | 3,792 |
| Net interest margin | 3.7733% | 2,494 |
| Noninterest income to average assets | 0.1836% | 5,100 |
| Noninterest expense to average assets | 2.7954% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8839% | 3,111 |
| Return on assets (ROA) | 0.8839% | 3,156 |
| Pretax return on assets | 0.8839% | 4,091 |
| Return on Equity (ROE) | 7.8421% | 3,211 |
| Retained earnings to average equity (ytd only) | 3.4874% | 3,841 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9761% | 1,595 |
| Assets per employee ($millions) | 4.2609% | 3,543 |
| Cash dividends to net income (ytd only)* | 55.5303% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.6541% | 3,303 |
| Net loans and leases to deposits | 81.1002% | 2,866 |
| Net loans and leases to core deposits | 86.3071% | 2,937 |
| Total domestic deposits to total assets | 79.7212% | 4,387 |
| Equity capital to assets | 11.9301% | 2,013 |
| Core capital (leverage) ratio | 12.0475% | 1,654 |
| Tier 1 risk-based capital ratio | 15.9124% | 2,545 |
| Total risk-based capital ratio | 17.1401% | 2,483 |
| Memoranda: | ||
| Average total assets | $66,821,500 | 4,884 |
| Average earning assets | $61,906,500 | 4,872 |
| Average equity | $7,531,750 | 4,903 |
| Average total loans | $38,644,500 | 4,822 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 3,500 |
| Cost of funding earning assets | 0.3088% | 3,994 |
| Net interest margin | 3.6073% | 3,007 |
| Noninterest income to average assets | 0.1859% | 5,120 |
| Noninterest expense to average assets | 2.7201% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8084% | 3,361 |
| Return on assets (ROA) | 0.8084% | 3,415 |
| Pretax return on assets | 0.8084% | 4,236 |
| Return on Equity (ROE) | 7.3060% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.5596% | 2,994 |
| Net charge-offs to loans | 0.0053% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 315 |
| Efficiency ratio | 77.0903% | 1,574 |
| Assets per employee ($millions) | 4.0354% | 3,897 |
| Cash dividends to net income (ytd only)* | 37.5912% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.2514% | 3,351 |
| Net loans and leases to deposits | 74.7981% | 3,468 |
| Net loans and leases to core deposits | 79.4736% | 3,459 |
| Total domestic deposits to total assets | 85.8998% | 2,415 |
| Equity capital to assets | 12.5473% | 1,597 |
| Core capital (leverage) ratio | 11.6865% | 1,839 |
| Tier 1 risk-based capital ratio | 16.5861% | 2,285 |
| Total risk-based capital ratio | 17.8354% | 2,238 |
| Memoranda: | ||
| Average total assets | $67,790,670 | 4,906 |
| Average earning assets | $62,817,330 | 4,889 |
| Average equity | $7,500,670 | 4,928 |
| Average total loans | $37,555,000 | 4,885 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 4,495 |
| Cost of funding earning assets | 0.2844% | 4,205 |
| Net interest margin | 3.2853% | 4,065 |
| Noninterest income to average assets | 0.1680% | 5,269 |
| Noninterest expense to average assets | 2.5707% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6385% | 3,987 |
| Return on assets (ROA) | 0.6385% | 4,026 |
| Pretax return on assets | 0.6385% | 4,631 |
| Return on Equity (ROE) | 6.1179% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.1179% | 2,276 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1047% | 1,371 |
| Assets per employee ($millions) | 4.4908% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 1,536 |
| Loan loss allowance to noncurrent loans | 59,000.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,387 |
| Noncurrent loans to loans | 0.0026% | 5,267 |
| Net loans and leases to total assets | 55.9143% | 4,180 |
| Net loans and leases to deposits | 62.9965% | 4,370 |
| Net loans and leases to core deposits | 66.8483% | 4,373 |
| Total domestic deposits to total assets | 88.7578% | 1,285 |
| Equity capital to assets | 11.1665% | 2,461 |
| Core capital (leverage) ratio | 10.7200% | 2,671 |
| Tier 1 risk-based capital ratio | 16.1352% | 2,498 |
| Total risk-based capital ratio | 17.3852% | 2,445 |
| Memoranda: | ||
| Average total assets | $71,420,500 | 4,889 |
| Average earning assets | $66,113,000 | 4,877 |
| Average equity | $7,453,500 | 4,976 |
| Average total loans | $36,592,000 | 4,955 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 3,104 |
| Cost of funding earning assets | 0.3023% | 4,041 |
| Net interest margin | 3.7256% | 2,593 |
| Noninterest income to average assets | 0.2141% | 5,135 |
| Noninterest expense to average assets | 2.8313% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8440% | 3,093 |
| Return on assets (ROA) | 0.8440% | 3,207 |
| Pretax return on assets | 0.8440% | 4,035 |
| Return on Equity (ROE) | 7.2150% | 3,361 |
| Retained earnings to average equity (ytd only) | 0.7029% | 5,044 |
| Net charge-offs to loans | 0.1164% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.9524% | 2,408 |
| Efficiency ratio | 77.0367% | 1,836 |
| Assets per employee ($millions) | 4.7174% | 2,762 |
| Cash dividends to net income (ytd only)* | 90.2574% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 1,167 |
| Loan loss allowance to noncurrent loans | 59,000.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,441 |
| Noncurrent loans to loans | 0.0029% | 5,308 |
| Net loans and leases to total assets | 45.4948% | 5,043 |
| Net loans and leases to deposits | 50.4614% | 5,190 |
| Net loans and leases to core deposits | 53.1391% | 5,174 |
| Total domestic deposits to total assets | 90.1575% | 577 |
| Equity capital to assets | 9.7842% | 3,962 |
| Core capital (leverage) ratio | 11.0217% | 2,318 |
| Tier 1 risk-based capital ratio | 16.8346% | 2,218 |
| Total risk-based capital ratio | 18.0865% | 2,166 |
| Memoranda: | ||
| Average total assets | $64,457,800 | 5,039 |
| Average earning assets | $59,882,200 | 5,021 |
| Average equity | $7,539,800 | 5,000 |
| Average total loans | $36,068,400 | 5,017 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,447 |
| Cost of funding earning assets | 0.3117% | 3,956 |
| Net interest margin | 3.9084% | 1,947 |
| Noninterest income to average assets | 0.2312% | 5,089 |
| Noninterest expense to average assets | 2.9128% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9486% | 2,661 |
| Return on assets (ROA) | 0.9486% | 2,799 |
| Pretax return on assets | 0.9486% | 3,818 |
| Return on Equity (ROE) | 7.7234% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.1844% | 4,007 |
| Net charge-offs to loans | 0.1504% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.7064% | 2,550 |
| Efficiency ratio | 75.4337% | 2,042 |
| Assets per employee ($millions) | 3.6981% | 4,479 |
| Cash dividends to net income (ytd only)* | 58.7696% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,902 |
| Loan loss allowance to noncurrent loans | 59,100.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,545 |
| Noncurrent loans to loans | 0.0025% | 5,416 |
| Net loans and leases to total assets | 67.0644% | 2,944 |
| Net loans and leases to deposits | 85.9271% | 2,269 |
| Net loans and leases to core deposits | 91.3532% | 2,447 |
| Total domestic deposits to total assets | 78.0480% | 4,905 |
| Equity capital to assets | 12.9390% | 1,516 |
| Core capital (leverage) ratio | 12.3862% | 1,448 |
| Tier 1 risk-based capital ratio | 16.7989% | 2,298 |
| Total risk-based capital ratio | 18.0492% | 2,254 |
| Memoranda: | ||
| Average total assets | $61,702,500 | 5,151 |
| Average earning assets | $57,310,250 | 5,138 |
| Average equity | $7,578,500 | 5,050 |
| Average total loans | $36,353,250 | 5,051 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 2,934 |
| Cost of funding earning assets | 0.2957% | 4,180 |
| Net interest margin | 3.7860% | 2,382 |
| Noninterest income to average assets | 0.2142% | 5,209 |
| Noninterest expense to average assets | 2.8491% | 2,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8857% | 2,932 |
| Return on assets (ROA) | 0.8857% | 3,054 |
| Pretax return on assets | 0.8857% | 4,006 |
| Return on Equity (ROE) | 7.3352% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.1575% | 3,259 |
| Net charge-offs to loans | -0.0057% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2842% | 2,039 |
| Assets per employee ($millions) | 3.5321% | 4,702 |
| Cash dividends to net income (ytd only)* | 43.3213% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,211 |
| Loan loss allowance to noncurrent loans | 243.4615% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 3,675 |
| Noncurrent loans to loans | 0.7104% | 2,948 |
| Net loans and leases to total assets | 63.6385% | 3,420 |
| Net loans and leases to deposits | 73.7254% | 3,626 |
| Net loans and leases to core deposits | 78.0875% | 3,633 |
| Total domestic deposits to total assets | 86.3182% | 2,255 |
| Equity capital to assets | 13.5332% | 1,224 |
| Core capital (leverage) ratio | 12.5619% | 1,323 |
| Tier 1 risk-based capital ratio | 17.4252% | 2,089 |
| Total risk-based capital ratio | 18.6778% | 2,055 |
| Memoranda: | ||
| Average total assets | $62,546,670 | 5,187 |
| Average earning assets | $58,161,000 | 5,167 |
| Average equity | $7,552,670 | 5,098 |
| Average total loans | $35,046,670 | 5,136 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,124 |
| Cost of funding earning assets | 0.2944% | 4,221 |
| Net interest margin | 3.4608% | 3,620 |
| Noninterest income to average assets | 0.1769% | 5,435 |
| Noninterest expense to average assets | 2.6478% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7565% | 3,454 |
| Return on assets (ROA) | 0.7565% | 3,561 |
| Pretax return on assets | 0.7565% | 4,346 |
| Return on Equity (ROE) | 6.6089% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.1825% | 2,289 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,926 |
| Assets per employee ($millions) | 3.8467% | 4,214 |
| Cash dividends to net income (ytd only)* | 6.4516% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 1,152 |
| Loan loss allowance to noncurrent loans | 243.0769% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 3,904 |
| Noncurrent loans to loans | 0.7405% | 2,982 |
| Net loans and leases to total assets | 56.0190% | 4,254 |
| Net loans and leases to deposits | 63.9820% | 4,443 |
| Net loans and leases to core deposits | 67.3648% | 4,444 |
| Total domestic deposits to total assets | 87.5542% | 1,891 |
| Equity capital to assets | 12.3207% | 1,812 |
| Core capital (leverage) ratio | 11.6218% | 1,891 |
| Tier 1 risk-based capital ratio | 17.1530% | 2,231 |
| Total risk-based capital ratio | 18.4041% | 2,197 |
| Memoranda: | ||
| Average total assets | $65,563,500 | 5,166 |
| Average earning assets | $61,142,000 | 5,128 |
| Average equity | $7,505,000 | 5,141 |
| Average total loans | $34,271,500 | 5,205 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,964 |
| Cost of funding earning assets | 0.2908% | 4,358 |
| Net interest margin | 3.5340% | 3,401 |
| Noninterest income to average assets | -0.0064% | 6,120 |
| Noninterest expense to average assets | 2.9033% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4409% | 4,911 |
| Return on assets (ROA) | 0.4409% | 5,000 |
| Pretax return on assets | 0.4409% | 5,245 |
| Return on Equity (ROE) | 3.6534% | 5,084 |
| Retained earnings to average equity (ytd only) | 0.1196% | 5,457 |
| Net charge-offs to loans | 0.0028% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 265 |
| Efficiency ratio | 86.8169% | 928 |
| Assets per employee ($millions) | 4.6387% | 2,832 |
| Cash dividends to net income (ytd only)* | 96.7273% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.1414% | 5,082 |
| Net loans and leases to deposits | 52.8145% | 5,234 |
| Net loans and leases to core deposits | 55.2066% | 5,242 |
| Total domestic deposits to total assets | 89.2584% | 988 |
| Equity capital to assets | 10.6740% | 3,161 |
| Core capital (leverage) ratio | 11.9441% | 1,656 |
| Tier 1 risk-based capital ratio | 17.7250% | 2,046 |
| Total risk-based capital ratio | 18.9782% | 1,999 |
| Memoranda: | ||
| Average total assets | $62,378,000 | 5,265 |
| Average earning assets | $59,139,000 | 5,211 |
| Average equity | $7,527,200 | 5,143 |
| Average total loans | $35,319,200 | 5,182 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,640 |
| Cost of funding earning assets | 0.2967% | 4,378 |
| Net interest margin | 3.6319% | 3,025 |
| Noninterest income to average assets | 0.2025% | 5,427 |
| Noninterest expense to average assets | 2.9361% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7153% | 3,845 |
| Return on assets (ROA) | 0.7153% | 3,944 |
| Pretax return on assets | 0.7153% | 4,632 |
| Return on Equity (ROE) | 5.7376% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.6014% | 3,907 |
| Net charge-offs to loans | 0.0037% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 325.8045% | 226 |
| Efficiency ratio | 80.4099% | 1,603 |
| Assets per employee ($millions) | 3.7329% | 4,388 |
| Cash dividends to net income (ytd only)* | 37.2311% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,581 |
| Loan loss allowance to noncurrent loans | 21,066.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 4,148 |
| Noncurrent loans to loans | 0.0079% | 5,616 |
| Net loans and leases to total assets | 66.8697% | 2,868 |
| Net loans and leases to deposits | 80.4292% | 2,829 |
| Net loans and leases to core deposits | 85.2916% | 2,919 |
| Total domestic deposits to total assets | 83.1411% | 3,757 |
| Equity capital to assets | 13.6908% | 1,145 |
| Core capital (leverage) ratio | 12.9749% | 1,210 |
| Tier 1 risk-based capital ratio | 15.6581% | 2,969 |
| Total risk-based capital ratio | 16.9121% | 2,903 |
| Memoranda: | ||
| Average total assets | $60,577,500 | 5,376 |
| Average earning assets | $57,525,500 | 5,323 |
| Average equity | $7,552,250 | 5,203 |
| Average total loans | $35,790,750 | 5,223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,303 |
| Cost of funding earning assets | 0.2870% | 4,536 |
| Net interest margin | 3.4469% | 3,721 |
| Noninterest income to average assets | 0.1900% | 5,544 |
| Noninterest expense to average assets | 2.8629% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6151% | 4,270 |
| Return on assets (ROA) | 0.6151% | 4,390 |
| Pretax return on assets | 0.6151% | 4,941 |
| Return on Equity (ROE) | 5.0836% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.1787% | 3,369 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3148% | 1,444 |
| Assets per employee ($millions) | 3.9391% | 3,997 |
| Cash dividends to net income (ytd only)* | 17.8010% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,535 |
| Loan loss allowance to noncurrent loans | 1,472.0930% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 4,116 |
| Noncurrent loans to loans | 0.1176% | 5,292 |
| Net loans and leases to total assets | 60.8080% | 3,717 |
| Net loans and leases to deposits | 69.8940% | 3,944 |
| Net loans and leases to core deposits | 73.6733% | 3,980 |
| Total domestic deposits to total assets | 87.0003% | 2,171 |
| Equity capital to assets | 12.8609% | 1,462 |
| Core capital (leverage) ratio | 12.7273% | 1,284 |
| Tier 1 risk-based capital ratio | 14.4573% | 3,659 |
| Total risk-based capital ratio | 15.6703% | 3,607 |
| Memoranda: | ||
| Average total assets | $62,105,330 | 5,390 |
| Average earning assets | $59,241,000 | 5,327 |
| Average equity | $7,514,330 | 5,261 |
| Average total loans | $35,029,330 | 5,291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 4,725 |
| Cost of funding earning assets | 0.2826% | 4,639 |
| Net interest margin | 3.3062% | 4,191 |
| Noninterest income to average assets | 0.1635% | 5,755 |
| Noninterest expense to average assets | 2.8861% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4401% | 4,912 |
| Return on assets (ROA) | 0.4401% | 5,032 |
| Pretax return on assets | 0.4401% | 5,342 |
| Return on Equity (ROE) | 3.7473% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,758 |
| Net charge-offs to loans | -0.0117% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7675% | 1,113 |
| Assets per employee ($millions) | 3.9754% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 1,589 |
| Loan loss allowance to noncurrent loans | 2,881.8182% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 4,374 |
| Noncurrent loans to loans | 0.0611% | 5,532 |
| Net loans and leases to total assets | 59.3265% | 3,756 |
| Net loans and leases to deposits | 67.9987% | 3,957 |
| Net loans and leases to core deposits | 71.1625% | 4,044 |
| Total domestic deposits to total assets | 87.2466% | 2,244 |
| Equity capital to assets | 12.6545% | 1,596 |
| Core capital (leverage) ratio | 11.8499% | 1,738 |
| Tier 1 risk-based capital ratio | 16.1979% | 2,823 |
| Total risk-based capital ratio | 17.4489% | 2,768 |
| Memoranda: | ||
| Average total assets | $63,615,000 | 5,409 |
| Average earning assets | $60,856,000 | 5,333 |
| Average equity | $7,472,000 | 5,309 |
| Average total loans | $34,263,000 | 5,360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 5,326 |
| Cost of funding earning assets | 0.2789% | 5,014 |
| Net interest margin | 3.2158% | 4,868 |
| Noninterest income to average assets | 0.1929% | 5,700 |
| Noninterest expense to average assets | 2.7694% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4971% | 4,821 |
| Return on assets (ROA) | 0.4971% | 4,914 |
| Pretax return on assets | 0.4971% | 5,260 |
| Return on Equity (ROE) | 4.2722% | 4,992 |
| Retained earnings to average equity (ytd only) | 0.5795% | 5,511 |
| Net charge-offs to loans | 0.0030% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 177 |
| Efficiency ratio | 84.7816% | 1,310 |
| Assets per employee ($millions) | 4.5066% | 3,027 |
| Cash dividends to net income (ytd only)* | 86.4353% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 1,210 |
| Loan loss allowance to noncurrent loans | 1,020.9677% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 4,404 |
| Noncurrent loans to loans | 0.1907% | 5,139 |
| Net loans and leases to total assets | 47.1634% | 5,236 |
| Net loans and leases to deposits | 53.0050% | 5,410 |
| Net loans and leases to core deposits | 54.9301% | 5,447 |
| Total domestic deposits to total assets | 88.9791% | 1,252 |
| Equity capital to assets | 10.9439% | 2,956 |
| Core capital (leverage) ratio | 11.9931% | 1,620 |
| Tier 1 risk-based capital ratio | 18.1653% | 2,088 |
| Total risk-based capital ratio | 19.4192% | 2,046 |
| Memoranda: | ||
| Average total assets | $63,768,000 | 5,455 |
| Average earning assets | $60,948,800 | 5,375 |
| Average equity | $7,420,000 | 5,319 |
| Average total loans | $33,397,600 | 5,425 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 5,363 |
| Cost of funding earning assets | 0.2826% | 5,066 |
| Net interest margin | 3.2311% | 4,853 |
| Noninterest income to average assets | 0.2017% | 5,720 |
| Noninterest expense to average assets | 2.7914% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4925% | 4,900 |
| Return on assets (ROA) | 0.4925% | 4,966 |
| Pretax return on assets | 0.4925% | 5,340 |
| Return on Equity (ROE) | 4.1658% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.4599% | 4,826 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0032% | 1,284 |
| Assets per employee ($millions) | 4.2114% | 3,458 |
| Cash dividends to net income (ytd only)* | 40.9466% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 2,025 |
| Loan loss allowance to noncurrent loans | 541.8803% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 4,105 |
| Noncurrent loans to loans | 0.3107% | 4,977 |
| Net loans and leases to total assets | 62.8019% | 3,374 |
| Net loans and leases to deposits | 72.1400% | 3,673 |
| Net loans and leases to core deposits | 75.1639% | 3,841 |
| Total domestic deposits to total assets | 87.0556% | 2,289 |
| Equity capital to assets | 12.7425% | 1,565 |
| Core capital (leverage) ratio | 12.8632% | 1,242 |
| Tier 1 risk-based capital ratio | 17.5560% | 2,377 |
| Total risk-based capital ratio | 18.8090% | 2,334 |
| Memoranda: | ||
| Average total assets | $62,810,250 | 5,540 |
| Average earning assets | $59,915,750 | 5,459 |
| Average equity | $7,425,500 | 5,361 |
| Average total loans | $33,618,250 | 5,470 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 5,847 |
| Cost of funding earning assets | 0.2805% | 5,172 |
| Net interest margin | 2.9845% | 5,571 |
| Noninterest income to average assets | 0.1872% | 5,837 |
| Noninterest expense to average assets | 2.7085% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3339% | 5,454 |
| Return on assets (ROA) | 0.3339% | 5,523 |
| Pretax return on assets | 0.3339% | 5,718 |
| Return on Equity (ROE) | 2.8933% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.2984% | 4,735 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0256% | 990 |
| Assets per employee ($millions) | 4.0299% | 3,777 |
| Cash dividends to net income (ytd only)* | 20.5607% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 1,684 |
| Loan loss allowance to noncurrent loans | 2,641.6667% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 4,680 |
| Noncurrent loans to loans | 0.0703% | 5,812 |
| Net loans and leases to total assets | 59.3541% | 3,809 |
| Net loans and leases to deposits | 68.5535% | 3,988 |
| Net loans and leases to core deposits | 71.5748% | 4,089 |
| Total domestic deposits to total assets | 86.5808% | 2,713 |
| Equity capital to assets | 13.2615% | 1,242 |
| Core capital (leverage) ratio | 12.5086% | 1,386 |
| Tier 1 risk-based capital ratio | 18.8440% | 1,961 |
| Total risk-based capital ratio | 20.0994% | 1,925 |
| Memoranda: | ||
| Average total assets | $64,093,670 | 5,559 |
| Average earning assets | $61,316,330 | 5,473 |
| Average equity | $7,396,330 | 5,394 |
| Average total loans | $32,270,330 | 5,561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9201% | 6,310 |
| Cost of funding earning assets | 0.2705% | 5,377 |
| Net interest margin | 2.6496% | 6,176 |
| Noninterest income to average assets | 0.1708% | 5,948 |
| Noninterest expense to average assets | 2.5673% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1413% | 5,947 |
| Return on assets (ROA) | 0.1413% | 5,981 |
| Pretax return on assets | 0.1413% | 6,022 |
| Return on Equity (ROE) | 1.3055% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.3055% | 5,094 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7826% | 706 |
| Assets per employee ($millions) | 4.4804% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 1,424 |
| Loan loss allowance to noncurrent loans | 2,641.6667% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 4,950 |
| Noncurrent loans to loans | 0.0776% | 5,903 |
| Net loans and leases to total assets | 48.3261% | 5,081 |
| Net loans and leases to deposits | 56.9633% | 5,037 |
| Net loans and leases to core deposits | 58.8065% | 5,143 |
| Total domestic deposits to total assets | 84.8372% | 3,940 |
| Equity capital to assets | 11.7655% | 2,042 |
| Core capital (leverage) ratio | 11.2172% | 2,209 |
| Tier 1 risk-based capital ratio | 19.8091% | 1,764 |
| Total risk-based capital ratio | 21.0645% | 1,727 |
| Memoranda: | ||
| Average total assets | $67,931,000 | 5,507 |
| Average earning assets | $65,066,000 | 5,405 |
| Average equity | $7,353,500 | 5,437 |
| Average total loans | $31,345,000 | 5,660 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 5,437 |
| Cost of funding earning assets | 0.3292% | 5,334 |
| Net interest margin | 3.2591% | 4,811 |
| Noninterest income to average assets | 0.2634% | 5,460 |
| Noninterest expense to average assets | 2.8485% | 3,534 |
| Loan and lease loss provision to assets | 0.0417% | 4,280 |
| Net operating income to assets | 0.4750% | 4,842 |
| Return on assets (ROA) | 0.4750% | 4,987 |
| Pretax return on assets | 0.4750% | 5,278 |
| Return on Equity (ROE) | 3.8403% | 5,181 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.3390% | 1,981 |
| Credit loss provision to net charge-offs | 22.5225% | 4,401 |
| Earnings coverage of net charge-offs (x) | 2.7928% | 4,071 |
| Efficiency ratio | 84.6459% | 1,554 |
| Assets per employee ($millions) | 4.8757% | 2,343 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 1,558 |
| Loan loss allowance to noncurrent loans | 2,264.2857% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 5,231 |
| Noncurrent loans to loans | 0.0882% | 5,952 |
| Net loans and leases to total assets | 42.5358% | 5,793 |
| Net loans and leases to deposits | 47.3169% | 5,938 |
| Net loans and leases to core deposits | 48.5676% | 6,002 |
| Total domestic deposits to total assets | 89.8955% | 1,133 |
| Equity capital to assets | 10.0183% | 3,745 |
| Core capital (leverage) ratio | 12.0635% | 1,562 |
| Tier 1 risk-based capital ratio | 19.0206% | 1,913 |
| Total risk-based capital ratio | 20.2766% | 1,873 |
| Memoranda: | ||
| Average total assets | $59,995,600 | 5,754 |
| Average earning assets | $57,102,400 | 5,679 |
| Average equity | $7,421,200 | 5,473 |
| Average total loans | $32,744,000 | 5,634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,878 |
| Cost of funding earning assets | 0.3437% | 5,355 |
| Net interest margin | 3.4497% | 4,088 |
| Noninterest income to average assets | 0.2892% | 5,379 |
| Noninterest expense to average assets | 3.0305% | 2,884 |
| Loan and lease loss provision to assets | 0.0447% | 4,124 |
| Net operating income to assets | 0.4937% | 4,822 |
| Return on assets (ROA) | 0.4937% | 4,985 |
| Pretax return on assets | 0.4937% | 5,372 |
| Return on Equity (ROE) | 3.7609% | 5,326 |
| Retained earnings to average equity (ytd only) | 1.9880% | 5,136 |
| Net charge-offs to loans | 0.0242% | 4,646 |
| Credit loss provision to net charge-offs | 316.6667% | 811 |
| Earnings coverage of net charge-offs (x) | 38.1663% | 1,040 |
| Efficiency ratio | 84.9144% | 1,488 |
| Assets per employee ($millions) | 3.5348% | 4,776 |
| Cash dividends to net income (ytd only)* | 47.1445% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1574% | 1,404 |
| Loan loss allowance to noncurrent loans | 4,311.7647% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 4,474 |
| Noncurrent loans to loans | 0.0500% | 6,196 |
| Net loans and leases to total assets | 62.6966% | 3,221 |
| Net loans and leases to deposits | 73.1934% | 3,361 |
| Net loans and leases to core deposits | 75.9823% | 3,616 |
| Total domestic deposits to total assets | 85.6588% | 3,422 |
| Equity capital to assets | 14.0451% | 957 |
| Core capital (leverage) ratio | 13.4065% | 1,060 |
| Tier 1 risk-based capital ratio | 20.3543% | 1,641 |
| Total risk-based capital ratio | 21.6128% | 1,613 |
| Memoranda: | ||
| Average total assets | $56,710,500 | 5,911 |
| Average earning assets | $53,916,000 | 5,827 |
| Average equity | $7,444,750 | 5,527 |
| Average total loans | $32,994,250 | 5,681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 5,271 |
| Cost of funding earning assets | 0.3288% | 5,577 |
| Net interest margin | 3.3275% | 4,459 |
| Noninterest income to average assets | 0.2761% | 5,473 |
| Noninterest expense to average assets | 3.0756% | 2,740 |
| Loan and lease loss provision to assets | 0.0449% | 4,067 |
| Net operating income to assets | 0.3348% | 5,469 |
| Return on assets (ROA) | 0.3348% | 5,631 |
| Pretax return on assets | 0.3348% | 5,786 |
| Return on Equity (ROE) | 2.6061% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.6926% | 5,168 |
| Net charge-offs to loans | 0.0122% | 4,618 |
| Credit loss provision to net charge-offs | 650.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 748 |
| Efficiency ratio | 89.0110% | 1,132 |
| Assets per employee ($millions) | 3.7385% | 4,325 |
| Cash dividends to net income (ytd only)* | 35.0515% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,465 |
| Loan loss allowance to noncurrent loans | 208.8571% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 4,671 |
| Noncurrent loans to loans | 1.0436% | 3,851 |
| Net loans and leases to total assets | 58.5024% | 3,904 |
| Net loans and leases to deposits | 68.8919% | 3,873 |
| Net loans and leases to core deposits | 71.3801% | 4,122 |
| Total domestic deposits to total assets | 84.9192% | 3,924 |
| Equity capital to assets | 13.2351% | 1,243 |
| Core capital (leverage) ratio | 12.9808% | 1,169 |
| Tier 1 risk-based capital ratio | 19.8643% | 1,750 |
| Total risk-based capital ratio | 21.1219% | 1,724 |
| Memoranda: | ||
| Average total assets | $57,940,000 | 5,915 |
| Average earning assets | $55,357,670 | 5,811 |
| Average equity | $7,444,000 | 5,575 |
| Average total loans | $32,667,000 | 5,729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4743% | 5,774 |
| Cost of funding earning assets | 0.3184% | 5,818 |
| Net interest margin | 3.1559% | 5,072 |
| Noninterest income to average assets | 0.2174% | 5,916 |
| Noninterest expense to average assets | 3.0507% | 2,836 |
| Loan and lease loss provision to assets | 0.0408% | 3,918 |
| Net operating income to assets | 0.1563% | 6,019 |
| Return on assets (ROA) | 0.1563% | 6,115 |
| Pretax return on assets | 0.1563% | 6,159 |
| Return on Equity (ROE) | 1.2341% | 6,167 |
| Retained earnings to average equity (ytd only) | 1.2341% | 5,356 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9331% | 841 |
| Assets per employee ($millions) | 3.5249% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,611 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 4,765 |
| Noncurrent loans to loans | 1.0934% | 3,956 |
| Net loans and leases to total assets | 57.5765% | 3,833 |
| Net loans and leases to deposits | 67.6260% | 3,815 |
| Net loans and leases to core deposits | 68.5932% | 4,231 |
| Total domestic deposits to total assets | 85.1395% | 3,970 |
| Equity capital to assets | 13.2381% | 1,324 |
| Core capital (leverage) ratio | 12.9888% | 1,116 |
| Tier 1 risk-based capital ratio | 19.7528% | 1,836 |
| Total risk-based capital ratio | 21.0102% | 1,801 |
| Memoranda: | ||
| Average total assets | $58,871,000 | 5,936 |
| Average earning assets | $56,529,500 | 5,840 |
| Average equity | $7,455,000 | 5,631 |
| Average total loans | $32,231,500 | 5,786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7734% | 5,894 |
| Cost of funding earning assets | 0.3606% | 6,158 |
| Net interest margin | 3.4128% | 4,839 |
| Noninterest income to average assets | 0.2547% | 5,640 |
| Noninterest expense to average assets | 2.9196% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5959% | 4,260 |
| Return on assets (ROA) | 0.5959% | 4,517 |
| Pretax return on assets | 0.5959% | 5,004 |
| Return on Equity (ROE) | 4.7684% | 4,805 |
| Retained earnings to average equity (ytd only) | -0.6527% | 5,961 |
| Net charge-offs to loans | 0.0187% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 59.6667% | 600 |
| Efficiency ratio | 83.0492% | 1,742 |
| Assets per employee ($millions) | 3.8340% | 4,299 |
| Cash dividends to net income (ytd only)* | 113.6872% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3029% | 1,363 |
| Loan loss allowance to noncurrent loans | 220.1835% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 5,146 |
| Noncurrent loans to loans | 1.0459% | 4,124 |
| Net loans and leases to total assets | 49.7930% | 5,198 |
| Net loans and leases to deposits | 56.8279% | 5,355 |
| Net loans and leases to core deposits | 57.5496% | 5,588 |
| Total domestic deposits to total assets | 87.6206% | 2,467 |
| Equity capital to assets | 12.1348% | 1,955 |
| Core capital (leverage) ratio | 12.9482% | 1,131 |
| Tier 1 risk-based capital ratio | 20.2241% | 1,622 |
| Total risk-based capital ratio | 21.4825% | 1,592 |
| Memoranda: | ||
| Average total assets | $60,075,800 | 5,921 |
| Average earning assets | $57,402,000 | 5,828 |
| Average equity | $7,507,800 | 5,636 |
| Average total loans | $32,142,800 | 5,845 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 5,987 |
| Cost of funding earning assets | 0.3637% | 6,311 |
| Net interest margin | 3.4528% | 4,837 |
| Noninterest income to average assets | 0.2544% | 5,747 |
| Noninterest expense to average assets | 2.9139% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6448% | 4,171 |
| Return on assets (ROA) | 0.6448% | 4,425 |
| Pretax return on assets | 0.6448% | 5,031 |
| Return on Equity (ROE) | 5.1214% | 4,767 |
| Retained earnings to average equity (ytd only) | 1.1165% | 5,725 |
| Net charge-offs to loans | 0.0206% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 57.7691% | 674 |
| Efficiency ratio | 81.8809% | 1,824 |
| Assets per employee ($millions) | 3.5997% | 4,756 |
| Cash dividends to net income (ytd only)* | 78.2025% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 2,053 |
| Loan loss allowance to noncurrent loans | 223.9130% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 5,272 |
| Noncurrent loans to loans | 0.9124% | 4,608 |
| Net loans and leases to total assets | 60.0226% | 3,781 |
| Net loans and leases to deposits | 69.3884% | 3,979 |
| Net loans and leases to core deposits | 70.3071% | 4,464 |
| Total domestic deposits to total assets | 86.5023% | 2,979 |
| Equity capital to assets | 13.1678% | 1,507 |
| Core capital (leverage) ratio | 13.6475% | 965 |
| Tier 1 risk-based capital ratio | 19.1097% | 1,978 |
| Total risk-based capital ratio | 20.3680% | 1,945 |
| Memoranda: | ||
| Average total assets | $59,758,750 | 5,996 |
| Average earning assets | $57,188,750 | 5,901 |
| Average equity | $7,523,750 | 5,690 |
| Average total loans | $32,362,250 | 5,906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 6,330 |
| Cost of funding earning assets | 0.3695% | 6,418 |
| Net interest margin | 3.3327% | 5,337 |
| Noninterest income to average assets | 0.2546% | 5,758 |
| Noninterest expense to average assets | 2.8704% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5754% | 4,472 |
| Return on assets (ROA) | 0.5754% | 4,745 |
| Pretax return on assets | 0.5754% | 5,226 |
| Return on Equity (ROE) | 4.6377% | 4,976 |
| Retained earnings to average equity (ytd only) | 0.4265% | 5,900 |
| Net charge-offs to loans | 0.0255% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 819 |
| Efficiency ratio | 83.3013% | 1,705 |
| Assets per employee ($millions) | 3.7099% | 4,500 |
| Cash dividends to net income (ytd only)* | 90.8046% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,816 |
| Loan loss allowance to noncurrent loans | 225.6250% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,326 |
| Noncurrent loans to loans | 0.9668% | 4,578 |
| Net loans and leases to total assets | 58.1836% | 4,127 |
| Net loans and leases to deposits | 67.4738% | 4,290 |
| Net loans and leases to core deposits | 68.3975% | 4,739 |
| Total domestic deposits to total assets | 86.2313% | 3,233 |
| Equity capital to assets | 13.5063% | 1,303 |
| Core capital (leverage) ratio | 12.9027% | 1,176 |
| Tier 1 risk-based capital ratio | 19.1142% | 1,934 |
| Total risk-based capital ratio | 20.3730% | 1,915 |
| Memoranda: | ||
| Average total assets | $60,480,000 | 6,014 |
| Average earning assets | $57,911,670 | 5,911 |
| Average equity | $7,503,670 | 5,709 |
| Average total loans | $31,386,000 | 5,999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 6,660 |
| Cost of funding earning assets | 0.3647% | 6,577 |
| Net interest margin | 3.1626% | 5,872 |
| Noninterest income to average assets | 0.2226% | 6,024 |
| Noninterest expense to average assets | 2.7538% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5024% | 4,819 |
| Return on assets (ROA) | 0.5024% | 5,028 |
| Pretax return on assets | 0.5024% | 5,422 |
| Return on Equity (ROE) | 4.2147% | 5,192 |
| Retained earnings to average equity (ytd only) | 0.8536% | 5,720 |
| Net charge-offs to loans | 0.0524% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,215 |
| Efficiency ratio | 84.5703% | 1,631 |
| Assets per employee ($millions) | 3.9795% | 4,061 |
| Cash dividends to net income (ytd only)* | 79.7468% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 1,639 |
| Loan loss allowance to noncurrent loans | 241.4716% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 5,608 |
| Noncurrent loans to loans | 0.9608% | 4,754 |
| Net loans and leases to total assets | 50.9247% | 5,175 |
| Net loans and leases to deposits | 59.7316% | 5,184 |
| Net loans and leases to core deposits | 61.0843% | 5,425 |
| Total domestic deposits to total assets | 85.2560% | 3,904 |
| Equity capital to assets | 12.5678% | 1,677 |
| Core capital (leverage) ratio | 11.6658% | 1,797 |
| Tier 1 risk-based capital ratio | 19.5597% | 1,822 |
| Total risk-based capital ratio | 20.8188% | 1,796 |
| Memoranda: | ||
| Average total assets | $62,896,000 | 5,986 |
| Average earning assets | $60,331,000 | 5,863 |
| Average equity | $7,497,500 | 5,737 |
| Average total loans | $30,529,000 | 6,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 6,008 |
| Cost of funding earning assets | 0.4419% | 6,759 |
| Net interest margin | 3.7743% | 3,958 |
| Noninterest income to average assets | 0.2972% | 5,402 |
| Noninterest expense to average assets | 3.2247% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6442% | 3,765 |
| Return on assets (ROA) | 0.6442% | 3,958 |
| Pretax return on assets | 0.6442% | 4,537 |
| Return on Equity (ROE) | 4.8529% | 4,457 |
| Retained earnings to average equity (ytd only) | 0.6971% | 5,521 |
| Net charge-offs to loans | 0.0032% | 6,408 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 95 |
| Efficiency ratio | 83.3487% | 1,839 |
| Assets per employee ($millions) | 4.7214% | 2,557 |
| Cash dividends to net income (ytd only)* | 85.6354% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4250% | 1,417 |
| Loan loss allowance to noncurrent loans | 238.0328% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 5,813 |
| Noncurrent loans to loans | 1.0188% | 4,670 |
| Net loans and leases to total assets | 44.1936% | 6,193 |
| Net loans and leases to deposits | 49.8992% | 6,368 |
| Net loans and leases to core deposits | 50.8982% | 6,483 |
| Total domestic deposits to total assets | 88.5658% | 1,811 |
| Equity capital to assets | 11.3359% | 2,656 |
| Core capital (leverage) ratio | 13.1463% | 1,087 |
| Tier 1 risk-based capital ratio | 19.4359% | 1,786 |
| Total risk-based capital ratio | 20.6950% | 1,751 |
| Memoranda: | ||
| Average total assets | $56,190,800 | 6,154 |
| Average earning assets | $53,175,200 | 6,073 |
| Average equity | $7,459,400 | 5,730 |
| Average total loans | $31,389,400 | 6,102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 5,399 |
| Cost of funding earning assets | 0.4722% | 6,807 |
| Net interest margin | 3.9861% | 2,970 |
| Noninterest income to average assets | 0.3202% | 5,308 |
| Noninterest expense to average assets | 3.5173% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5535% | 4,307 |
| Return on assets (ROA) | 0.5535% | 4,484 |
| Pretax return on assets | 0.5535% | 4,961 |
| Return on Equity (ROE) | 3.9905% | 4,993 |
| Retained earnings to average equity (ytd only) | 2.2547% | 5,001 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4024% | 1,492 |
| Assets per employee ($millions) | 3.5807% | 4,804 |
| Cash dividends to net income (ytd only)* | 43.4971% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1564% | 1,947 |
| Loan loss allowance to noncurrent loans | 243.1438% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 5,625 |
| Noncurrent loans to loans | 0.8869% | 5,084 |
| Net loans and leases to total assets | 65.8009% | 2,948 |
| Net loans and leases to deposits | 78.0752% | 2,969 |
| Net loans and leases to core deposits | 80.2072% | 3,603 |
| Total domestic deposits to total assets | 84.2789% | 4,110 |
| Equity capital to assets | 15.1386% | 816 |
| Core capital (leverage) ratio | 14.1364% | 872 |
| Tier 1 risk-based capital ratio | 20.0107% | 1,681 |
| Total risk-based capital ratio | 21.2701% | 1,651 |
| Memoranda: | ||
| Average total assets | $53,713,500 | 6,287 |
| Average earning assets | $50,541,500 | 6,221 |
| Average equity | $7,451,000 | 5,763 |
| Average total loans | $31,752,250 | 6,150 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 6,194 |
| Cost of funding earning assets | 0.4759% | 6,930 |
| Net interest margin | 3.7645% | 3,968 |
| Noninterest income to average assets | 0.3169% | 5,363 |
| Noninterest expense to average assets | 3.4676% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3934% | 4,975 |
| Return on assets (ROA) | 0.3934% | 5,121 |
| Pretax return on assets | 0.3934% | 5,412 |
| Return on Equity (ROE) | 2.9169% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.2687% | 4,843 |
| Net charge-offs to loans | 0.0514% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,540 |
| Efficiency ratio | 89.8113% | 1,253 |
| Assets per employee ($millions) | 3.2798% | 5,462 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,832 |
| Loan loss allowance to noncurrent loans | 239.6667% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 5,777 |
| Noncurrent loans to loans | 0.9364% | 5,097 |
| Net loans and leases to total assets | 59.6787% | 4,334 |
| Net loans and leases to deposits | 70.0651% | 4,425 |
| Net loans and leases to core deposits | 71.8544% | 4,839 |
| Total domestic deposits to total assets | 85.1761% | 3,798 |
| Equity capital to assets | 14.2961% | 995 |
| Core capital (leverage) ratio | 13.1009% | 1,108 |
| Tier 1 risk-based capital ratio | 20.1646% | 1,578 |
| Total risk-based capital ratio | 21.4245% | 1,555 |
| Memoranda: | ||
| Average total assets | $54,908,000 | 6,302 |
| Average earning assets | $51,693,330 | 6,229 |
| Average equity | $7,405,000 | 5,799 |
| Average total loans | $31,098,670 | 6,236 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 6,596 |
| Cost of funding earning assets | 0.4688% | 7,070 |
| Net interest margin | 3.5842% | 4,643 |
| Noninterest income to average assets | 0.3136% | 5,420 |
| Noninterest expense to average assets | 3.4353% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2566% | 5,591 |
| Return on assets (ROA) | 0.2566% | 5,654 |
| Pretax return on assets | 0.2566% | 5,789 |
| Return on Equity (ROE) | 1.9575% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.9575% | 4,950 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0502% | 1,099 |
| Assets per employee ($millions) | 3.3590% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 1,712 |
| Loan loss allowance to noncurrent loans | 247.2789% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 5,873 |
| Noncurrent loans to loans | 0.9446% | 5,148 |
| Net loans and leases to total assets | 56.5570% | 4,901 |
| Net loans and leases to deposits | 65.9478% | 4,986 |
| Net loans and leases to core deposits | 67.5617% | 5,345 |
| Total domestic deposits to total assets | 85.7603% | 3,661 |
| Equity capital to assets | 13.7318% | 1,093 |
| Core capital (leverage) ratio | 14.0421% | 840 |
| Tier 1 risk-based capital ratio | 19.7458% | 1,638 |
| Total risk-based capital ratio | 21.0036% | 1,611 |
| Memoranda: | ||
| Average total assets | $56,124,000 | 6,308 |
| Average earning assets | $52,899,500 | 6,239 |
| Average equity | $7,356,500 | 5,822 |
| Average total loans | $30,630,000 | 6,313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 5,651 |
| Cost of funding earning assets | 0.5516% | 7,228 |
| Net interest margin | 4.1900% | 2,226 |
| Noninterest income to average assets | 0.3624% | 5,210 |
| Noninterest expense to average assets | 3.4925% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8107% | 2,748 |
| Return on assets (ROA) | 0.8107% | 2,885 |
| Pretax return on assets | 0.8107% | 3,594 |
| Return on Equity (ROE) | 5.7076% | 3,732 |
| Retained earnings to average equity (ytd only) | -0.1612% | 5,637 |
| Net charge-offs to loans | 0.0201% | 6,614 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 70.8333% | 345 |
| Efficiency ratio | 81.1613% | 2,271 |
| Assets per employee ($millions) | 3.6565% | 4,567 |
| Cash dividends to net income (ytd only)* | 102.8235% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4123% | 1,533 |
| Loan loss allowance to noncurrent loans | 243.1438% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 6,004 |
| Noncurrent loans to loans | 0.9921% | 5,076 |
| Net loans and leases to total assets | 50.2701% | 6,142 |
| Net loans and leases to deposits | 57.6147% | 6,293 |
| Net loans and leases to core deposits | 58.8695% | 6,483 |
| Total domestic deposits to total assets | 87.2522% | 2,697 |
| Equity capital to assets | 12.5342% | 1,615 |
| Core capital (leverage) ratio | 13.9736% | 850 |
| Tier 1 risk-based capital ratio | 20.0865% | 1,472 |
| Total risk-based capital ratio | 21.3449% | 1,439 |
| Memoranda: | ||
| Average total assets | $52,426,200 | 6,447 |
| Average earning assets | $49,307,400 | 6,396 |
| Average equity | $7,446,200 | 5,892 |
| Average total loans | $29,822,600 | 6,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 5,280 |
| Cost of funding earning assets | 0.5748% | 7,333 |
| Net interest margin | 4.3222% | 1,765 |
| Noninterest income to average assets | 0.3588% | 5,297 |
| Noninterest expense to average assets | 3.5829% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8329% | 2,870 |
| Return on assets (ROA) | 0.8329% | 3,002 |
| Pretax return on assets | 0.8329% | 3,792 |
| Return on Equity (ROE) | 5.6725% | 3,973 |
| Retained earnings to average equity (ytd only) | 2.1584% | 4,880 |
| Net charge-offs to loans | 0.0269% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 52.9988% | 545 |
| Efficiency ratio | 81.1388% | 2,181 |
| Assets per employee ($millions) | 7.9457% | 519 |
| Cash dividends to net income (ytd only)* | 61.9496% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 1,996 |
| Loan loss allowance to noncurrent loans | 236.8078% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 5,843 |
| Noncurrent loans to loans | 0.8870% | 5,462 |
| Net loans and leases to total assets | 71.0723% | 2,469 |
| Net loans and leases to deposits | 89.3680% | 1,808 |
| Net loans and leases to core deposits | 91.9260% | 2,812 |
| Total domestic deposits to total assets | 79.5276% | 5,858 |
| Equity capital to assets | 15.8556% | 707 |
| Core capital (leverage) ratio | 14.8275% | 752 |
| Tier 1 risk-based capital ratio | 19.6462% | 1,616 |
| Total risk-based capital ratio | 20.9052% | 1,585 |
| Memoranda: | ||
| Average total assets | $50,906,750 | 6,577 |
| Average earning assets | $47,783,500 | 6,516 |
| Average equity | $7,474,500 | 5,958 |
| Average total loans | $29,744,000 | 6,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 6,416 |
| Cost of funding earning assets | 0.5769% | 7,444 |
| Net interest margin | 4.0382% | 2,841 |
| Noninterest income to average assets | 0.3501% | 5,350 |
| Noninterest expense to average assets | 3.4741% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6733% | 3,519 |
| Return on assets (ROA) | 0.6733% | 3,665 |
| Pretax return on assets | 0.6733% | 4,333 |
| Return on Equity (ROE) | 4.7003% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.4710% | 4,578 |
| Net charge-offs to loans | 0.0071% | 6,261 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 201 |
| Efficiency ratio | 83.7662% | 1,945 |
| Assets per employee ($millions) | 3.0904% | 5,945 |
| Cash dividends to net income (ytd only)* | 47.4286% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 1,467 |
| Loan loss allowance to noncurrent loans | 209.7421% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 5,726 |
| Noncurrent loans to loans | 1.1323% | 5,065 |
| Net loans and leases to total assets | 60.8563% | 4,894 |
| Net loans and leases to deposits | 72.4369% | 4,922 |
| Net loans and leases to core deposits | 74.3006% | 5,408 |
| Total domestic deposits to total assets | 84.0129% | 4,105 |
| Equity capital to assets | 15.2368% | 832 |
| Core capital (leverage) ratio | 14.6304% | 794 |
| Tier 1 risk-based capital ratio | 20.3171% | 1,460 |
| Total risk-based capital ratio | 21.5749% | 1,428 |
| Memoranda: | ||
| Average total assets | $51,984,330 | 6,584 |
| Average earning assets | $48,883,000 | 6,510 |
| Average equity | $7,446,330 | 5,986 |
| Average total loans | $28,122,000 | 6,623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 7,166 |
| Cost of funding earning assets | 0.5824% | 7,560 |
| Net interest margin | 3.6941% | 4,273 |
| Noninterest income to average assets | 0.3380% | 5,439 |
| Noninterest expense to average assets | 3.3575% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4582% | 4,583 |
| Return on assets (ROA) | 0.4582% | 4,705 |
| Pretax return on assets | 0.4582% | 5,097 |
| Return on Equity (ROE) | 3.2962% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.2962% | 4,168 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9921% | 1,588 |
| Assets per employee ($millions) | 3.1723% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 1,134 |
| Loan loss allowance to noncurrent loans | 228.3489% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,934 |
| Noncurrent loans to loans | 1.1584% | 5,052 |
| Net loans and leases to total assets | 53.1504% | 6,137 |
| Net loans and leases to deposits | 62.7649% | 6,201 |
| Net loans and leases to core deposits | 64.3060% | 6,432 |
| Total domestic deposits to total assets | 84.6816% | 3,819 |
| Equity capital to assets | 14.6229% | 974 |
| Core capital (leverage) ratio | 13.5960% | 1,055 |
| Tier 1 risk-based capital ratio | 20.8856% | 1,360 |
| Total risk-based capital ratio | 22.0517% | 1,345 |
| Memoranda: | ||
| Average total assets | $53,253,500 | 6,626 |
| Average earning assets | $50,134,000 | 6,544 |
| Average equity | $7,402,500 | 6,054 |
| Average total loans | $26,771,500 | 6,787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 7,109 |
| Cost of funding earning assets | 0.8200% | 7,530 |
| Net interest margin | 3.8980% | 3,275 |
| Noninterest income to average assets | 0.6774% | 3,103 |
| Noninterest expense to average assets | 3.4002% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9290% | 2,081 |
| Return on assets (ROA) | 0.9290% | 2,140 |
| Pretax return on assets | 0.9290% | 2,830 |
| Return on Equity (ROE) | 6.6694% | 2,919 |
| Retained earnings to average equity (ytd only) | 0.9644% | 4,357 |
| Net charge-offs to loans | -0.0333% | 7,821 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5402% | 3,114 |
| Assets per employee ($millions) | 9.2918% | 325 |
| Cash dividends to net income (ytd only)* | 85.5397% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8375% | 891 |
| Loan loss allowance to noncurrent loans | 228.3489% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 6,024 |
| Noncurrent loans to loans | 1.2426% | 4,872 |
| Net loans and leases to total assets | 45.0216% | 7,053 |
| Net loans and leases to deposits | 52.1938% | 7,146 |
| Net loans and leases to core deposits | 57.5095% | 7,356 |
| Total domestic deposits to total assets | 86.2585% | 2,885 |
| Equity capital to assets | 13.2428% | 1,416 |
| Core capital (leverage) ratio | 14.5754% | 866 |
| Tier 1 risk-based capital ratio | 21.5067% | 1,213 |
| Total risk-based capital ratio | 22.7672% | 1,188 |
| Memoranda: | ||
| Average total assets | $52,850,400 | 6,599 |
| Average earning assets | $49,512,200 | 6,543 |
| Average equity | $7,362,000 | 6,146 |
| Average total loans | $27,047,400 | 6,799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 7,020 |
| Cost of funding earning assets | 0.8772% | 7,597 |
| Net interest margin | 3.9706% | 2,941 |
| Noninterest income to average assets | 0.3402% | 5,769 |
| Noninterest expense to average assets | 3.4148% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6420% | 3,441 |
| Return on assets (ROA) | 0.6420% | 3,510 |
| Pretax return on assets | 0.6420% | 4,051 |
| Return on Equity (ROE) | 4.5490% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.0118% | 4,193 |
| Net charge-offs to loans | -0.0439% | 7,843 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1740% | 2,274 |
| Assets per employee ($millions) | 2.8104% | 6,634 |
| Cash dividends to net income (ytd only)* | 55.7760% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5023% | 1,057 |
| Loan loss allowance to noncurrent loans | 231.2303% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 5,720 |
| Noncurrent loans to loans | 1.0822% | 5,142 |
| Net loans and leases to total assets | 63.5147% | 4,970 |
| Net loans and leases to deposits | 76.7969% | 4,928 |
| Net loans and leases to core deposits | 88.6296% | 5,579 |
| Total domestic deposits to total assets | 82.7047% | 4,359 |
| Equity capital to assets | 16.5503% | 701 |
| Core capital (leverage) ratio | 14.3564% | 995 |
| Tier 1 risk-based capital ratio | 21.5638% | 1,278 |
| Total risk-based capital ratio | 22.8236% | 1,255 |
| Memoranda: | ||
| Average total assets | $52,125,250 | 6,676 |
| Average earning assets | $48,790,500 | 6,621 |
| Average equity | $7,356,750 | 6,202 |
| Average total loans | $27,351,000 | 6,836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 7,502 |
| Cost of funding earning assets | 0.8661% | 7,733 |
| Net interest margin | 3.7530% | 3,742 |
| Noninterest income to average assets | 0.3082% | 6,046 |
| Noninterest expense to average assets | 3.3974% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4403% | 4,336 |
| Return on assets (ROA) | 0.4403% | 4,444 |
| Pretax return on assets | 0.4403% | 4,827 |
| Return on Equity (ROE) | 3.2750% | 4,795 |
| Retained earnings to average equity (ytd only) | -0.5458% | 5,362 |
| Net charge-offs to loans | -0.0300% | 7,781 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5277% | 1,948 |
| Assets per employee ($millions) | 3.2522% | 5,446 |
| Cash dividends to net income (ytd only)* | 116.6667% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6591% | 777 |
| Loan loss allowance to noncurrent loans | 229.6530% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,897 |
| Noncurrent loans to loans | 1.1579% | 4,898 |
| Net loans and leases to total assets | 51.2155% | 6,762 |
| Net loans and leases to deposits | 60.0482% | 6,884 |
| Net loans and leases to core deposits | 68.3036% | 7,103 |
| Total domestic deposits to total assets | 85.2907% | 3,111 |
| Equity capital to assets | 14.0540% | 1,296 |
| Core capital (leverage) ratio | 13.6364% | 1,231 |
| Tier 1 risk-based capital ratio | 20.4528% | 1,497 |
| Total risk-based capital ratio | 21.6862% | 1,460 |
| Memoranda: | ||
| Average total assets | $54,511,670 | 6,656 |
| Average earning assets | $51,266,330 | 6,585 |
| Average equity | $7,328,330 | 6,253 |
| Average total loans | $26,703,670 | 6,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 7,621 |
| Cost of funding earning assets | 0.8439% | 7,872 |
| Net interest margin | 3.7558% | 3,632 |
| Noninterest income to average assets | 0.2726% | 6,248 |
| Noninterest expense to average assets | 3.1785% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6386% | 3,844 |
| Return on assets (ROA) | 0.6386% | 4,026 |
| Pretax return on assets | 0.6386% | 4,624 |
| Return on Equity (ROE) | 4.8528% | 4,528 |
| Retained earnings to average equity (ytd only) | -2.7808% | 6,239 |
| Net charge-offs to loans | -0.0455% | 7,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2707% | 2,383 |
| Assets per employee ($millions) | 3.3439% | 5,214 |
| Cash dividends to net income (ytd only)* | 157.3034% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6845% | 637 |
| Loan loss allowance to noncurrent loans | 177.7506% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 5,256 |
| Noncurrent loans to loans | 1.5103% | 4,019 |
| Net loans and leases to total assets | 49.2571% | 6,926 |
| Net loans and leases to deposits | 57.3936% | 7,074 |
| Net loans and leases to core deposits | 65.7535% | 7,250 |
| Total domestic deposits to total assets | 85.8232% | 2,814 |
| Equity capital to assets | 13.6179% | 1,487 |
| Core capital (leverage) ratio | 13.2831% | 1,392 |
| Tier 1 risk-based capital ratio | 19.6522% | 1,686 |
| Total risk-based capital ratio | 20.9103% | 1,635 |
| Memoranda: | ||
| Average total assets | $55,750,000 | 6,640 |
| Average earning assets | $52,611,500 | 6,554 |
| Average equity | $7,336,000 | 6,284 |
| Average total loans | $26,366,500 | 6,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0072% | 5,512 |
| Cost of funding earning assets | 1.3087% | 7,843 |
| Net interest margin | 4.6986% | 975 |
| Noninterest income to average assets | 0.3280% | 6,096 |
| Noninterest expense to average assets | 3.5424% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1870% | 1,819 |
| Return on assets (ROA) | 1.1870% | 1,742 |
| Pretax return on assets | 1.1870% | 2,691 |
| Return on Equity (ROE) | 7.8737% | 3,123 |
| Retained earnings to average equity (ytd only) | 0.6255% | 4,866 |
| Net charge-offs to loans | 0.0039% | 6,945 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 579.0000% | 100 |
| Efficiency ratio | 74.9025% | 3,413 |
| Assets per employee ($millions) | 3.6248% | 4,354 |
| Cash dividends to net income (ytd only)* | 92.0553% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8224% | 510 |
| Loan loss allowance to noncurrent loans | 216.1194% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 5,449 |
| Noncurrent loans to loans | 1.3059% | 3,900 |
| Net loans and leases to total assets | 42.9815% | 7,534 |
| Net loans and leases to deposits | 49.5399% | 7,647 |
| Net loans and leases to core deposits | 54.8785% | 7,771 |
| Total domestic deposits to total assets | 86.7614% | 2,061 |
| Equity capital to assets | 12.7351% | 1,900 |
| Core capital (leverage) ratio | 14.1958% | 1,218 |
| Tier 1 risk-based capital ratio | 20.9728% | 1,460 |
| Total risk-based capital ratio | 22.2341% | 1,428 |
| Memoranda: | ||
| Average total assets | $48,780,200 | 6,830 |
| Average earning assets | $45,694,800 | 6,784 |
| Average equity | $7,353,600 | 6,332 |
| Average total loans | $25,927,200 | 6,972 |