| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5776% | 151 |
| Cost of funding earning assets | 2.8085% | 208 |
| Net interest margin | 4.7691% | 432 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.3100% | 729 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4300% | 1,158 |
| Return on assets (ROA) | 1.4445% | 1,097 |
| Pretax return on assets | 1.4445% | 1,543 |
| Return on Equity (ROE) | 15.9900% | 1,095 |
| Retained earnings to average equity (ytd only) | 4.2979% | 2,865 |
| Net charge-offs to loans | -0.0202% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.1958% | 1,989 |
| Assets per employee ($millions) | 4.3176% | 4,040 |
| Cash dividends to net income (ytd only)* | 73.1156% | 750 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9983% | 3,318 |
| Loan loss allowance to noncurrent loans | 26.1210% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.4171% | 53 |
| Noncurrent loans to loans | 3.8218% | 92 |
| Net loans and leases to total assets | 88.5200% | 65 |
| Net loans and leases to deposits | 102.0876% | 428 |
| Net loans and leases to core deposits | 168.6009% | 122 |
| Total domestic deposits to total assets | 86.7100% | 1,785 |
| Equity capital to assets | 9.0666% | 2,627 |
| Core capital (leverage) ratio | 9.0781% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $55,105,000 | 4,259 |
| Average earning assets | $52,483,600 | 4,224 |
| Average equity | $4,979,200 | 4,262 |
| Average total loans | $49,500,000 | 3,849 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4281% | 152 |
| Cost of funding earning assets | 2.6452% | 215 |
| Net interest margin | 4.7829% | 421 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 3.2476% | 768 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.5047% | 1,115 |
| Return on assets (ROA) | 1.4804% | 1,142 |
| Pretax return on assets | 1.4804% | 1,600 |
| Return on Equity (ROE) | 16.4000% | 1,185 |
| Retained earnings to average equity (ytd only) | 4.2274% | 3,200 |
| Net charge-offs to loans | -0.0189% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.7141% | 2,044 |
| Assets per employee ($millions) | 4.3067% | 4,041 |
| Cash dividends to net income (ytd only)* | 74.2200% | 566 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9880% | 3,424 |
| Loan loss allowance to noncurrent loans | 51.5183% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.7058% | 191 |
| Noncurrent loans to loans | 1.9178% | 330 |
| Net loans and leases to total assets | 88.0600% | 76 |
| Net loans and leases to deposits | 101.4131% | 455 |
| Net loans and leases to core deposits | 166.3259% | 84 |
| Total domestic deposits to total assets | 86.8400% | 1,937 |
| Equity capital to assets | 8.9878% | 2,427 |
| Core capital (leverage) ratio | 9.0362% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8039% | 2,343 |
| Memoranda: |
| Average total assets | $54,849,000 | 4,277 |
| Average earning assets | $52,268,750 | 4,242 |
| Average equity | $4,951,750 | 4,277 |
| Average total loans | $49,328,500 | 3,859 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1331% | 163 |
| Cost of funding earning assets | 2.4111% | 222 |
| Net interest margin | 4.7220% | 444 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.2458% | 748 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.4430% | 1,231 |
| Return on assets (ROA) | 1.5091% | 1,082 |
| Pretax return on assets | 1.5091% | 1,581 |
| Return on Equity (ROE) | 16.6900% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.1421% | 3,179 |
| Net charge-offs to loans | -0.0203% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.5803% | 1,911 |
| Assets per employee ($millions) | 4.2605% | 4,077 |
| Cash dividends to net income (ytd only)* | 75.1825% | 645 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9843% | 3,490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 87.9100% | 82 |
| Net loans and leases to deposits | 101.1509% | 470 |
| Net loans and leases to core deposits | 168.2446% | 85 |
| Total domestic deposits to total assets | 86.9100% | 1,955 |
| Equity capital to assets | 8.9859% | 2,520 |
| Core capital (leverage) ratio | 8.9896% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2055% | 2,215 |
| Memoranda: |
| Average total assets | $54,469,667 | 4,306 |
| Average earning assets | $51,927,000 | 4,269 |
| Average equity | $4,925,000 | 4,298 |
| Average total loans | $49,172,667 | 3,869 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7484% | 144 |
| Cost of funding earning assets | 2.1356% | 220 |
| Net interest margin | 4.6128% | 501 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.2068% | 788 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3775% | 1,468 |
| Return on assets (ROA) | 1.4442% | 1,274 |
| Pretax return on assets | 1.4442% | 1,784 |
| Return on Equity (ROE) | 15.9200% | 1,374 |
| Retained earnings to average equity (ytd only) | 3.9192% | 3,293 |
| Net charge-offs to loans | -0.0244% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.2800% | 1,823 |
| Assets per employee ($millions) | 4.1442% | 4,193 |
| Cash dividends to net income (ytd only)* | 75.3846% | 712 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9644% | 3,657 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 90.7300% | 30 |
| Net loans and leases to deposits | 104.6164% | 291 |
| Net loans and leases to core deposits | 164.6025% | 77 |
| Total domestic deposits to total assets | 86.7300% | 2,361 |
| Equity capital to assets | 9.1380% | 2,416 |
| Core capital (leverage) ratio | 9.1290% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7329% | 2,484 |
| Memoranda: |
| Average total assets | $54,011,000 | 4,373 |
| Average earning assets | $51,508,500 | 4,337 |
| Average equity | $4,899,000 | 4,360 |
| Average total loans | $49,172,000 | 3,917 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4141% | 170 |
| Cost of funding earning assets | 0.7810% | 419 |
| Net interest margin | 4.6331% | 233 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 3.3440% | 589 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2339% | 1,648 |
| Return on assets (ROA) | 1.1024% | 2,099 |
| Pretax return on assets | 1.1024% | 2,760 |
| Return on Equity (ROE) | 11.8800% | 2,180 |
| Retained earnings to average equity (ytd only) | 3.0426% | 3,707 |
| Net charge-offs to loans | -0.0239% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3128% | 1,408 |
| Assets per employee ($millions) | 4.1652% | 4,215 |
| Cash dividends to net income (ytd only)* | 74.3860% | 560 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9533% | 3,588 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 89.6000% | 42 |
| Net loans and leases to deposits | 103.0434% | 334 |
| Net loans and leases to core deposits | 161.3428% | 68 |
| Total domestic deposits to total assets | 86.9600% | 2,400 |
| Equity capital to assets | 9.0031% | 2,356 |
| Core capital (leverage) ratio | 8.8691% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $51,704,600 | 4,429 |
| Average earning assets | $49,297,000 | 4,380 |
| Average equity | $4,798,600 | 4,450 |
| Average total loans | $46,109,000 | 3,960 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1186% | 179 |
| Cost of funding earning assets | 0.5119% | 715 |
| Net interest margin | 4.6067% | 196 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 3.2932% | 602 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2552% | 1,508 |
| Return on assets (ROA) | 1.1143% | 2,000 |
| Pretax return on assets | 1.1143% | 2,680 |
| Return on Equity (ROE) | 11.9100% | 2,064 |
| Retained earnings to average equity (ytd only) | 2.9570% | 3,781 |
| Net charge-offs to loans | -0.0264% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6638% | 1,566 |
| Assets per employee ($millions) | 4.2813% | 4,180 |
| Cash dividends to net income (ytd only)* | 75.1756% | 507 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9560% | 3,669 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.4400% | 160 |
| Net loans and leases to deposits | 97.6930% | 470 |
| Net loans and leases to core deposits | 156.0664% | 50 |
| Total domestic deposits to total assets | 87.4600% | 2,609 |
| Equity capital to assets | 8.6871% | 2,417 |
| Core capital (leverage) ratio | 8.9047% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $51,093,750 | 4,464 |
| Average earning assets | $48,710,250 | 4,420 |
| Average equity | $4,779,500 | 4,496 |
| Average total loans | $45,389,750 | 3,995 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8588% | 208 |
| Cost of funding earning assets | 0.3474% | 1,291 |
| Net interest margin | 4.5114% | 192 |
| Noninterest income to average assets | 0.1977% | 4,010 |
| Noninterest expense to average assets | 3.3406% | 518 |
| Loan and lease loss provision to assets | 0.0484% | 1,707 |
| Net operating income to assets | 1.1054% | 1,757 |
| Return on assets (ROA) | 0.9441% | 2,356 |
| Pretax return on assets | 0.9441% | 2,914 |
| Return on Equity (ROE) | 9.8299% | 2,394 |
| Retained earnings to average equity (ytd only) | 2.4365% | 3,634 |
| Net charge-offs to loans | -0.0270% | 4,007 |
| Credit loss provision to net charge-offs | -200.0000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3268% | 1,475 |
| Assets per employee ($millions) | 4.0638% | 4,334 |
| Cash dividends to net income (ytd only)* | 75.2137% | 699 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9658% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.3462% | 59 |
| Net loans and leases to deposits | 98.5246% | 325 |
| Net loans and leases to core deposits | 144.2753% | 67 |
| Total domestic deposits to total assets | 88.6542% | 2,315 |
| Equity capital to assets | 9.0611% | 2,349 |
| Core capital (leverage) ratio | 9.6140% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $49,572,667 | 4,517 |
| Average earning assets | $47,213,333 | 4,488 |
| Average equity | $4,761,000 | 4,545 |
| Average total loans | $44,515,000 | 4,061 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0017% | 151 |
| Cost of funding earning assets | 0.2803% | 1,816 |
| Net interest margin | 4.7214% | 132 |
| Noninterest income to average assets | 0.1835% | 4,061 |
| Noninterest expense to average assets | 3.2788% | 550 |
| Loan and lease loss provision to assets | 0.0501% | 1,472 |
| Net operating income to assets | 1.3516% | 898 |
| Return on assets (ROA) | 1.2431% | 1,118 |
| Pretax return on assets | 1.2431% | 1,674 |
| Return on Equity (ROE) | 12.5527% | 1,142 |
| Retained earnings to average equity (ytd only) | 3.2013% | 3,194 |
| Net charge-offs to loans | -0.0276% | 4,047 |
| Credit loss provision to net charge-offs | -200.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0535% | 2,220 |
| Assets per employee ($millions) | 3.4186% | 4,576 |
| Cash dividends to net income (ytd only)* | 74.4966% | 789 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0465% | 3,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 87.1294% | 38 |
| Net loans and leases to deposits | 99.5179% | 186 |
| Net loans and leases to core deposits | 142.0624% | 56 |
| Total domestic deposits to total assets | 87.5515% | 2,725 |
| Equity capital to assets | 9.9601% | 1,926 |
| Core capital (leverage) ratio | 9.9428% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $47,944,000 | 4,561 |
| Average earning assets | $45,664,500 | 4,537 |
| Average equity | $4,748,000 | 4,585 |
| Average total loans | $43,475,000 | 4,092 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2998% | 169 |
| Cost of funding earning assets | 0.3276% | 2,136 |
| Net interest margin | 4.9722% | 146 |
| Noninterest income to average assets | 0.2142% | 4,087 |
| Noninterest expense to average assets | 3.3366% | 592 |
| Loan and lease loss provision to assets | 0.0541% | 1,973 |
| Net operating income to assets | 1.6142% | 768 |
| Return on assets (ROA) | 1.5849% | 881 |
| Pretax return on assets | 1.5849% | 1,467 |
| Return on Equity (ROE) | 15.1541% | 920 |
| Retained earnings to average equity (ytd only) | 3.8155% | 3,286 |
| Net charge-offs to loans | -0.2308% | 4,722 |
| Credit loss provision to net charge-offs | -27.9070% | 3,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,168 |
| Assets per employee ($millions) | 4.3661% | 4,220 |
| Cash dividends to net income (ytd only)* | 74.8222% | 605 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9641% | 3,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 92.3980% | 9 |
| Net loans and leases to deposits | 105.3611% | 114 |
| Net loans and leases to core deposits | 140.5594% | 67 |
| Total domestic deposits to total assets | 87.6965% | 2,197 |
| Equity capital to assets | 9.8465% | 2,804 |
| Core capital (leverage) ratio | 10.4425% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $44,356,800 | 4,615 |
| Average earning assets | $42,737,400 | 4,587 |
| Average equity | $4,639,000 | 4,658 |
| Average total loans | $37,256,600 | 4,244 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2660% | 202 |
| Cost of funding earning assets | 0.3464% | 2,149 |
| Net interest margin | 4.9196% | 171 |
| Noninterest income to average assets | 0.2118% | 4,136 |
| Noninterest expense to average assets | 3.1706% | 745 |
| Loan and lease loss provision to assets | 0.0552% | 1,884 |
| Net operating income to assets | 1.7372% | 757 |
| Return on assets (ROA) | 1.7158% | 840 |
| Pretax return on assets | 1.7158% | 1,372 |
| Return on Equity (ROE) | 16.1446% | 918 |
| Retained earnings to average equity (ytd only) | 4.0434% | 3,566 |
| Net charge-offs to loans | -0.3091% | 4,807 |
| Credit loss provision to net charge-offs | -21.9512% | 3,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8837% | 2,402 |
| Assets per employee ($millions) | 4.0703% | 4,404 |
| Cash dividends to net income (ytd only)* | 74.9553% | 489 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1948% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 77.9465% | 408 |
| Net loans and leases to deposits | 89.6386% | 625 |
| Net loans and leases to core deposits | 121.4427% | 174 |
| Total domestic deposits to total assets | 86.9564% | 2,370 |
| Equity capital to assets | 10.4795% | 2,469 |
| Core capital (leverage) ratio | 10.1852% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $43,439,250 | 4,693 |
| Average earning assets | $41,953,750 | 4,658 |
| Average equity | $4,616,500 | 4,728 |
| Average total loans | $35,368,750 | 4,339 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9615% | 365 |
| Cost of funding earning assets | 0.3709% | 2,129 |
| Net interest margin | 4.5906% | 312 |
| Noninterest income to average assets | 0.2093% | 4,150 |
| Noninterest expense to average assets | 3.0701% | 880 |
| Loan and lease loss provision to assets | 0.0558% | 1,912 |
| Net operating income to assets | 1.5165% | 1,250 |
| Return on assets (ROA) | 1.5072% | 1,335 |
| Pretax return on assets | 1.5072% | 1,992 |
| Return on Equity (ROE) | 14.1135% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.5719% | 3,661 |
| Net charge-offs to loans | -0.4522% | 4,869 |
| Credit loss provision to net charge-offs | -15.0000% | 2,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1323% | 2,133 |
| Assets per employee ($millions) | 3.9902% | 4,451 |
| Cash dividends to net income (ytd only)* | 74.6914% | 586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1909% | 2,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.2603% | 426 |
| Net loans and leases to deposits | 90.0606% | 652 |
| Net loans and leases to core deposits | 122.9156% | 186 |
| Total domestic deposits to total assets | 86.8974% | 2,382 |
| Equity capital to assets | 10.5577% | 2,346 |
| Core capital (leverage) ratio | 10.3681% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $42,994,667 | 4,729 |
| Average earning assets | $41,519,667 | 4,695 |
| Average equity | $4,591,333 | 4,761 |
| Average total loans | $35,384,667 | 4,366 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6083% | 654 |
| Cost of funding earning assets | 0.4092% | 2,016 |
| Net interest margin | 4.1991% | 599 |
| Noninterest income to average assets | 0.2162% | 4,101 |
| Noninterest expense to average assets | 2.8863% | 1,183 |
| Loan and lease loss provision to assets | 0.0564% | 1,983 |
| Net operating income to assets | 1.3256% | 1,743 |
| Return on assets (ROA) | 1.3162% | 1,857 |
| Pretax return on assets | 1.3162% | 2,522 |
| Return on Equity (ROE) | 12.2538% | 1,922 |
| Retained earnings to average equity (ytd only) | 3.1510% | 3,735 |
| Net charge-offs to loans | -0.8517% | 4,911 |
| Credit loss provision to net charge-offs | -7.8947% | 2,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6211% | 1,991 |
| Assets per employee ($millions) | 4.3055% | 4,268 |
| Cash dividends to net income (ytd only)* | 74.2857% | 660 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1063% | 3,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.2542% | 607 |
| Net loans and leases to deposits | 86.6646% | 912 |
| Net loans and leases to core deposits | 115.8131% | 291 |
| Total domestic deposits to total assets | 87.9878% | 1,851 |
| Equity capital to assets | 9.6875% | 3,019 |
| Core capital (leverage) ratio | 10.6936% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $42,546,000 | 4,755 |
| Average earning assets | $41,056,500 | 4,723 |
| Average equity | $4,570,000 | 4,785 |
| Average total loans | $35,695,000 | 4,387 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3280% | 65 |
| Cost of funding earning assets | 0.8778% | 919 |
| Net interest margin | 5.4502% | 66 |
| Noninterest income to average assets | 0.2587% | 3,932 |
| Noninterest expense to average assets | 3.5286% | 667 |
| Loan and lease loss provision to assets | -0.4553% | 4,995 |
| Net operating income to assets | 2.4214% | 146 |
| Return on assets (ROA) | 2.4292% | 153 |
| Pretax return on assets | 2.4292% | 208 |
| Return on Equity (ROE) | 21.1887% | 180 |
| Retained earnings to average equity (ytd only) | 5.3254% | 2,129 |
| Net charge-offs to loans | -0.5215% | 4,954 |
| Credit loss provision to net charge-offs | 98.3240% | 2,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2185% | 2,784 |
| Assets per employee ($millions) | 3.7732% | 4,525 |
| Cash dividends to net income (ytd only)* | 74.8669% | 802 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9234% | 4,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 91.5668% | 16 |
| Net loans and leases to deposits | 107.7398% | 200 |
| Net loans and leases to core deposits | 130.6485% | 196 |
| Total domestic deposits to total assets | 84.9889% | 2,763 |
| Equity capital to assets | 12.0640% | 1,536 |
| Core capital (leverage) ratio | 12.3107% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $38,655,400 | 4,788 |
| Average earning assets | $37,136,400 | 4,750 |
| Average equity | $4,431,600 | 4,808 |
| Average total loans | $34,321,200 | 4,425 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5069% | 62 |
| Cost of funding earning assets | 0.9816% | 809 |
| Net interest margin | 5.5253% | 75 |
| Noninterest income to average assets | 0.2537% | 3,956 |
| Noninterest expense to average assets | 3.4596% | 743 |
| Loan and lease loss provision to assets | -0.6249% | 5,031 |
| Net operating income to assets | 2.7258% | 112 |
| Return on assets (ROA) | 2.7395% | 117 |
| Pretax return on assets | 2.7395% | 145 |
| Return on Equity (ROE) | 24.2033% | 132 |
| Retained earnings to average equity (ytd only) | 6.1493% | 2,045 |
| Net charge-offs to loans | -1.2520% | 4,992 |
| Credit loss provision to net charge-offs | 56.6978% | 2,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2072% | 3,038 |
| Assets per employee ($millions) | 3.9080% | 4,398 |
| Cash dividends to net income (ytd only)* | 74.5932% | 712 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2826% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 90.1996% | 33 |
| Net loans and leases to deposits | 105.3434% | 343 |
| Net loans and leases to core deposits | 125.9288% | 305 |
| Total domestic deposits to total assets | 85.6244% | 2,212 |
| Equity capital to assets | 11.5635% | 1,952 |
| Core capital (leverage) ratio | 11.5451% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $38,886,250 | 4,811 |
| Average earning assets | $37,354,500 | 4,773 |
| Average equity | $4,401,500 | 4,836 |
| Average total loans | $34,183,500 | 4,459 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6413% | 75 |
| Cost of funding earning assets | 1.1105% | 695 |
| Net interest margin | 5.5308% | 89 |
| Noninterest income to average assets | 0.2576% | 3,931 |
| Noninterest expense to average assets | 3.3126% | 975 |
| Loan and lease loss provision to assets | 0.0618% | 3,524 |
| Net operating income to assets | 2.1947% | 223 |
| Return on assets (ROA) | 2.1947% | 244 |
| Pretax return on assets | 2.1947% | 368 |
| Return on Equity (ROE) | 19.5308% | 267 |
| Retained earnings to average equity (ytd only) | 3.8970% | 2,960 |
| Net charge-offs to loans | -0.0297% | 4,535 |
| Credit loss provision to net charge-offs | -240.0000% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4820% | 3,487 |
| Assets per employee ($millions) | 4.0421% | 4,264 |
| Cash dividends to net income (ytd only)* | 80.0469% | 755 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9937% | 3,608 |
| 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 | 82.5709% | 361 |
| Net loans and leases to deposits | 95.5074% | 835 |
| Net loans and leases to core deposits | 117.1910% | 496 |
| Total domestic deposits to total assets | 86.4551% | 1,819 |
| Equity capital to assets | 10.8904% | 2,427 |
| Core capital (leverage) ratio | 11.1047% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $38,821,667 | 4,835 |
| Average earning assets | $37,282,000 | 4,799 |
| Average equity | $4,362,333 | 4,865 |
| Average total loans | $33,675,333 | 4,492 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7300% | 68 |
| Cost of funding earning assets | 1.2276% | 701 |
| Net interest margin | 5.5023% | 88 |
| Noninterest income to average assets | 0.2630% | 3,966 |
| Noninterest expense to average assets | 3.2507% | 1,313 |
| Loan and lease loss provision to assets | 0.0631% | 2,976 |
| Net operating income to assets | 2.2303% | 173 |
| Return on assets (ROA) | 2.2303% | 190 |
| Pretax return on assets | 2.2303% | 277 |
| Return on Equity (ROE) | 19.5279% | 188 |
| Retained earnings to average equity (ytd only) | 4.8820% | 2,329 |
| Net charge-offs to loans | -0.0357% | 4,527 |
| Credit loss provision to net charge-offs | -200.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6338% | 3,922 |
| Assets per employee ($millions) | 3.8614% | 4,102 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9853% | 3,783 |
| Loan loss allowance to noncurrent loans | 157.2115% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 2,377 |
| Noncurrent loans to loans | 0.6267% | 2,425 |
| Net loans and leases to total assets | 85.1013% | 195 |
| Net loans and leases to deposits | 99.0058% | 628 |
| Net loans and leases to core deposits | 122.9230% | 387 |
| Total domestic deposits to total assets | 85.9559% | 2,015 |
| Equity capital to assets | 11.3145% | 2,580 |
| Core capital (leverage) ratio | 11.4438% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4320% | 1,246 |
| Memoranda: |
| Average total assets | $38,022,000 | 4,879 |
| Average earning assets | $36,493,500 | 4,842 |
| Average equity | $4,342,500 | 4,908 |
| Average total loans | $33,657,500 | 4,512 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7155% | 84 |
| Cost of funding earning assets | 1.3532% | 649 |
| Net interest margin | 5.3623% | 137 |
| Noninterest income to average assets | 0.5504% | 2,481 |
| Noninterest expense to average assets | 3.2972% | 1,303 |
| Loan and lease loss provision to assets | 0.0614% | 2,810 |
| Net operating income to assets | 2.3346% | 175 |
| Return on assets (ROA) | 2.3346% | 185 |
| Pretax return on assets | 2.3346% | 281 |
| Return on Equity (ROE) | 21.6226% | 145 |
| Retained earnings to average equity (ytd only) | 5.4294% | 2,205 |
| Net charge-offs to loans | -0.0712% | 4,892 |
| Credit loss provision to net charge-offs | -92.3077% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9137% | 3,978 |
| Assets per employee ($millions) | 3.7430% | 4,220 |
| Cash dividends to net income (ytd only)* | 74.8904% | 959 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9318% | 3,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 90.3259% | 44 |
| Net loans and leases to deposits | 105.4159% | 321 |
| Net loans and leases to core deposits | 131.9891% | 254 |
| Total domestic deposits to total assets | 85.6853% | 2,200 |
| Equity capital to assets | 11.5309% | 2,510 |
| Core capital (leverage) ratio | 11.5305% | 2,087 |
| Tier 1 risk-based capital ratio | 15.8333% | 2,465 |
| Total risk-based capital ratio | 16.9999% | 2,422 |
| Memoranda: |
| Average total assets | $39,063,800 | 4,908 |
| Average earning assets | $37,465,600 | 4,869 |
| Average equity | $4,217,800 | 4,965 |
| Average total loans | $36,511,400 | 4,488 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7080% | 89 |
| Cost of funding earning assets | 1.3670% | 645 |
| Net interest margin | 5.3410% | 156 |
| Noninterest income to average assets | 0.6249% | 2,086 |
| Noninterest expense to average assets | 3.1245% | 1,654 |
| Loan and lease loss provision to assets | 0.0608% | 2,684 |
| Net operating income to assets | 2.5604% | 149 |
| Return on assets (ROA) | 2.5604% | 157 |
| Pretax return on assets | 2.5604% | 222 |
| Return on Equity (ROE) | 24.1016% | 107 |
| Retained earnings to average equity (ytd only) | 6.0731% | 2,336 |
| Net charge-offs to loans | -0.0827% | 4,956 |
| Credit loss provision to net charge-offs | -78.2609% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3798% | 4,348 |
| Assets per employee ($millions) | 3.7431% | 4,228 |
| Cash dividends to net income (ytd only)* | 74.8021% | 805 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8704% | 4,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 94.0130% | 8 |
| Net loans and leases to deposits | 110.8800% | 207 |
| Net loans and leases to core deposits | 133.1442% | 260 |
| Total domestic deposits to total assets | 84.7880% | 2,507 |
| Equity capital to assets | 11.4237% | 2,716 |
| Core capital (leverage) ratio | 11.1183% | 2,545 |
| Tier 1 risk-based capital ratio | 15.5017% | 2,640 |
| Total risk-based capital ratio | 16.6220% | 2,616 |
| Memoranda: |
| Average total assets | $39,472,250 | 4,970 |
| Average earning assets | $37,844,500 | 4,936 |
| Average equity | $4,193,250 | 5,038 |
| Average total loans | $37,107,500 | 4,532 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6153% | 102 |
| Cost of funding earning assets | 1.3563% | 627 |
| Net interest margin | 5.2590% | 176 |
| Noninterest income to average assets | 0.7820% | 1,403 |
| Noninterest expense to average assets | 3.0235% | 1,937 |
| Loan and lease loss provision to assets | 0.0598% | 2,626 |
| Net operating income to assets | 2.7395% | 115 |
| Return on assets (ROA) | 2.7395% | 120 |
| Pretax return on assets | 2.7395% | 167 |
| Return on Equity (ROE) | 26.4063% | 72 |
| Retained earnings to average equity (ytd only) | 6.9617% | 1,825 |
| Net charge-offs to loans | -0.1063% | 5,011 |
| Credit loss provision to net charge-offs | -60.0000% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9247% | 4,660 |
| Assets per employee ($millions) | 3.9209% | 3,976 |
| Cash dividends to net income (ytd only)* | 73.6364% | 987 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8151% | 4,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 93.1036% | 13 |
| Net loans and leases to deposits | 108.9539% | 245 |
| Net loans and leases to core deposits | 132.9582% | 273 |
| Total domestic deposits to total assets | 85.4523% | 2,282 |
| Equity capital to assets | 10.7909% | 3,277 |
| Core capital (leverage) ratio | 10.7054% | 2,888 |
| Tier 1 risk-based capital ratio | 14.8305% | 2,903 |
| Total risk-based capital ratio | 15.8821% | 2,930 |
| Memoranda: |
| Average total assets | $40,152,670 | 5,004 |
| Average earning assets | $38,486,670 | 4,972 |
| Average equity | $4,165,670 | 5,081 |
| Average total loans | $37,643,670 | 4,552 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2993% | 139 |
| Cost of funding earning assets | 1.3256% | 605 |
| Net interest margin | 4.9737% | 294 |
| Noninterest income to average assets | 1.2603% | 525 |
| Noninterest expense to average assets | 2.8456% | 2,431 |
| Loan and lease loss provision to assets | 0.0591% | 2,469 |
| Net operating income to assets | 3.1213% | 80 |
| Return on assets (ROA) | 3.1213% | 84 |
| Pretax return on assets | 3.1213% | 116 |
| Return on Equity (ROE) | 30.6799% | 44 |
| Retained earnings to average equity (ytd only) | 8.4200% | 1,516 |
| Net charge-offs to loans | -0.0315% | 4,667 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2222% | 4,973 |
| Assets per employee ($millions) | 3.9815% | 3,951 |
| Cash dividends to net income (ytd only)* | 72.5552% | 1,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7416% | 4,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 93.1232% | 10 |
| Net loans and leases to deposits | 109.0917% | 245 |
| Net loans and leases to core deposits | 134.0116% | 256 |
| Total domestic deposits to total assets | 85.3623% | 2,538 |
| Equity capital to assets | 10.4910% | 3,351 |
| Core capital (leverage) ratio | 10.1356% | 3,447 |
| Tier 1 risk-based capital ratio | 14.3525% | 3,170 |
| Total risk-based capital ratio | 15.3043% | 3,230 |
| Memoranda: |
| Average total assets | $40,624,500 | 5,053 |
| Average earning assets | $38,925,000 | 5,019 |
| Average equity | $4,133,000 | 5,133 |
| Average total loans | $38,063,000 | 4,593 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6697% | 292 |
| Cost of funding earning assets | 0.9227% | 1,015 |
| Net interest margin | 4.7470% | 446 |
| Noninterest income to average assets | 0.3325% | 3,883 |
| Noninterest expense to average assets | 3.1432% | 1,690 |
| Loan and lease loss provision to assets | 0.0614% | 2,931 |
| Net operating income to assets | 1.6675% | 740 |
| Return on assets (ROA) | 1.6675% | 738 |
| Pretax return on assets | 1.6675% | 1,257 |
| Return on Equity (ROE) | 16.2480% | 580 |
| Retained earnings to average equity (ytd only) | 4.0620% | 3,329 |
| Net charge-offs to loans | -0.0220% | 4,726 |
| Credit loss provision to net charge-offs | -300.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5144% | 3,118 |
| Assets per employee ($millions) | 4.1434% | 3,695 |
| Cash dividends to net income (ytd only)* | 75.0000% | 866 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6912% | 4,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 92.9285% | 18 |
| Net loans and leases to deposits | 117.3294% | 131 |
| Net loans and leases to core deposits | 139.9942% | 199 |
| Total domestic deposits to total assets | 79.2031% | 4,266 |
| Equity capital to assets | 9.8687% | 3,796 |
| Core capital (leverage) ratio | 10.1123% | 3,447 |
| Tier 1 risk-based capital ratio | 13.5965% | 3,498 |
| Total risk-based capital ratio | 14.4876% | 3,588 |
| Memoranda: |
| Average total assets | $39,099,800 | 5,110 |
| Average earning assets | $37,391,800 | 5,082 |
| Average equity | $4,012,800 | 5,176 |
| Average total loans | $36,435,400 | 4,645 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5886% | 302 |
| Cost of funding earning assets | 0.8548% | 1,097 |
| Net interest margin | 4.7338% | 435 |
| Noninterest income to average assets | 0.3392% | 3,882 |
| Noninterest expense to average assets | 3.0601% | 1,857 |
| Loan and lease loss provision to assets | 0.0623% | 2,728 |
| Net operating income to assets | 1.7412% | 681 |
| Return on assets (ROA) | 1.7412% | 686 |
| Pretax return on assets | 1.7412% | 1,173 |
| Return on Equity (ROE) | 16.7925% | 571 |
| Retained earnings to average equity (ytd only) | 4.4735% | 3,513 |
| Net charge-offs to loans | -0.0149% | 4,516 |
| Credit loss provision to net charge-offs | -450.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9181% | 3,350 |
| Assets per employee ($millions) | 3.9610% | 3,950 |
| Cash dividends to net income (ytd only)* | 73.3602% | 742 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6966% | 4,882 |
| 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 | 92.8503% | 21 |
| Net loans and leases to deposits | 108.6146% | 332 |
| Net loans and leases to core deposits | 128.9054% | 353 |
| Total domestic deposits to total assets | 85.4860% | 2,403 |
| Equity capital to assets | 10.2499% | 3,402 |
| Core capital (leverage) ratio | 10.5116% | 3,072 |
| Tier 1 risk-based capital ratio | 14.0679% | 3,338 |
| Total risk-based capital ratio | 14.9619% | 3,424 |
| Memoranda: |
| Average total assets | $38,516,250 | 5,186 |
| Average earning assets | $36,812,000 | 5,156 |
| Average equity | $3,993,750 | 5,244 |
| Average total loans | $35,851,250 | 4,714 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4784% | 329 |
| Cost of funding earning assets | 0.8069% | 1,099 |
| Net interest margin | 4.6715% | 474 |
| Noninterest income to average assets | 0.3512% | 3,813 |
| Noninterest expense to average assets | 3.0143% | 2,006 |
| Loan and lease loss provision to assets | 0.0629% | 2,644 |
| Net operating income to assets | 1.7352% | 674 |
| Return on assets (ROA) | 1.7352% | 674 |
| Pretax return on assets | 1.7352% | 1,126 |
| Return on Equity (ROE) | 16.6681% | 565 |
| Retained earnings to average equity (ytd only) | 4.3810% | 3,409 |
| Net charge-offs to loans | 0.0056% | 2,953 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 343.0000% | 266 |
| Efficiency ratio | 62.6362% | 3,541 |
| Assets per employee ($millions) | 3.8477% | 4,135 |
| Cash dividends to net income (ytd only)* | 73.7160% | 879 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6948% | 4,956 |
| Loan loss allowance to noncurrent loans | 52.3305% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 1,169 |
| Noncurrent loans to loans | 1.3276% | 1,279 |
| Net loans and leases to total assets | 91.7561% | 33 |
| Net loans and leases to deposits | 105.0400% | 479 |
| Net loans and leases to core deposits | 126.7775% | 393 |
| Total domestic deposits to total assets | 87.3535% | 1,703 |
| Equity capital to assets | 10.4322% | 3,180 |
| Core capital (leverage) ratio | 10.5435% | 2,987 |
| Tier 1 risk-based capital ratio | 14.2386% | 3,242 |
| Total risk-based capital ratio | 15.1148% | 3,341 |
| Memoranda: |
| Average total assets | $38,151,670 | 5,251 |
| Average earning assets | $36,434,000 | 5,218 |
| Average equity | $3,971,670 | 5,302 |
| Average total loans | $35,456,330 | 4,767 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3410% | 375 |
| Cost of funding earning assets | 0.7504% | 1,190 |
| Net interest margin | 4.5906% | 511 |
| Noninterest income to average assets | 0.3580% | 3,749 |
| Noninterest expense to average assets | 2.7903% | 2,725 |
| Loan and lease loss provision to assets | 0.0632% | 2,507 |
| Net operating income to assets | 1.8848% | 467 |
| Return on assets (ROA) | 1.8848% | 472 |
| Pretax return on assets | 1.8848% | 754 |
| Return on Equity (ROE) | 18.1243% | 396 |
| Retained earnings to average equity (ytd only) | 4.9614% | 3,196 |
| Net charge-offs to loans | 0.0678% | 1,431 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 30.8333% | 1,221 |
| Efficiency ratio | 58.8889% | 4,235 |
| Assets per employee ($millions) | 4.2571% | 3,554 |
| Cash dividends to net income (ytd only)* | 72.6257% | 969 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6603% | 5,095 |
| 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 | 92.6763% | 15 |
| Net loans and leases to deposits | 109.8809% | 260 |
| Net loans and leases to core deposits | 126.8823% | 401 |
| Total domestic deposits to total assets | 84.3425% | 3,173 |
| Equity capital to assets | 10.3748% | 3,192 |
| Core capital (leverage) ratio | 10.4848% | 2,959 |
| Tier 1 risk-based capital ratio | 14.1118% | 3,322 |
| Total risk-based capital ratio | 14.9496% | 3,452 |
| Memoranda: |
| Average total assets | $37,989,000 | 5,307 |
| Average earning assets | $36,248,000 | 5,273 |
| Average equity | $3,950,500 | 5,361 |
| Average total loans | $35,408,500 | 4,818 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2315% | 415 |
| Cost of funding earning assets | 0.5886% | 1,682 |
| Net interest margin | 4.6429% | 456 |
| Noninterest income to average assets | 0.3110% | 4,232 |
| Noninterest expense to average assets | 2.7477% | 2,961 |
| Loan and lease loss provision to assets | 0.0561% | 3,106 |
| Net operating income to assets | 1.9526% | 310 |
| Return on assets (ROA) | 1.9526% | 313 |
| Pretax return on assets | 1.9526% | 545 |
| Return on Equity (ROE) | 21.8426% | 130 |
| Retained earnings to average equity (ytd only) | 5.6503% | 1,737 |
| Net charge-offs to loans | 0.1451% | 1,628 |
| Credit loss provision to net charge-offs | 41.3793% | 3,428 |
| Earnings coverage of net charge-offs (x) | 14.8103% | 2,300 |
| Efficiency ratio | 57.7679% | 4,551 |
| Assets per employee ($millions) | 4.1849% | 3,682 |
| Cash dividends to net income (ytd only)* | 74.1317% | 1,058 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6729% | 5,118 |
| Loan loss allowance to noncurrent loans | 149.3671% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,350 |
| Noncurrent loans to loans | 0.4505% | 3,164 |
| Net loans and leases to total assets | 92.4942% | 29 |
| Net loans and leases to deposits | 105.7493% | 412 |
| Net loans and leases to core deposits | 121.7438% | 529 |
| Total domestic deposits to total assets | 87.4655% | 1,784 |
| Equity capital to assets | 10.4237% | 3,239 |
| Core capital (leverage) ratio | 9.5861% | 3,929 |
| Tier 1 risk-based capital ratio | 14.8073% | 2,925 |
| Total risk-based capital ratio | 15.6974% | 3,030 |
| Memoranda: |
| Average total assets | $42,762,400 | 5,292 |
| Average earning assets | $40,944,000 | 5,256 |
| Average equity | $3,822,800 | 5,446 |
| Average total loans | $39,976,000 | 4,735 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1460% | 464 |
| Cost of funding earning assets | 0.5493% | 1,897 |
| Net interest margin | 4.5966% | 488 |
| Noninterest income to average assets | 0.2997% | 4,382 |
| Noninterest expense to average assets | 2.5826% | 3,461 |
| Loan and lease loss provision to assets | 0.0545% | 3,001 |
| Net operating income to assets | 2.0709% | 277 |
| Return on assets (ROA) | 2.0709% | 283 |
| Pretax return on assets | 2.0709% | 478 |
| Return on Equity (ROE) | 24.0184% | 87 |
| Retained earnings to average equity (ytd only) | 6.2505% | 2,088 |
| Net charge-offs to loans | -0.0453% | 5,139 |
| Credit loss provision to net charge-offs | -128.5714% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8553% | 4,864 |
| Assets per employee ($millions) | 4.7192% | 2,807 |
| Cash dividends to net income (ytd only)* | 73.9764% | 829 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7566% | 5,007 |
| Loan loss allowance to noncurrent loans | 335.5556% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 2,207 |
| Noncurrent loans to loans | 0.2255% | 4,165 |
| Net loans and leases to total assets | 93.2734% | 15 |
| Net loans and leases to deposits | 121.4730% | 83 |
| Net loans and leases to core deposits | 137.6129% | 236 |
| Total domestic deposits to total assets | 76.7853% | 4,925 |
| Equity capital to assets | 9.1446% | 4,782 |
| Core capital (leverage) ratio | 9.0041% | 4,729 |
| Tier 1 risk-based capital ratio | 13.0130% | 3,999 |
| Total risk-based capital ratio | 14.0249% | 4,055 |
| Memoranda: |
| Average total assets | $44,037,000 | 5,331 |
| Average earning assets | $42,232,500 | 5,285 |
| Average equity | $3,797,000 | 5,509 |
| Average total loans | $41,201,750 | 4,734 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0904% | 482 |
| Cost of funding earning assets | 0.5230% | 1,980 |
| Net interest margin | 4.5673% | 502 |
| Noninterest income to average assets | 0.3007% | 4,385 |
| Noninterest expense to average assets | 2.5001% | 3,753 |
| Loan and lease loss provision to assets | 0.0539% | 2,897 |
| Net operating income to assets | 2.1365% | 247 |
| Return on assets (ROA) | 2.1365% | 250 |
| Pretax return on assets | 2.1365% | 411 |
| Return on Equity (ROE) | 25.2654% | 74 |
| Retained earnings to average equity (ytd only) | 6.3694% | 1,922 |
| Net charge-offs to loans | -0.0480% | 5,156 |
| Credit loss provision to net charge-offs | -120.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3014% | 5,072 |
| Assets per employee ($millions) | 4.8274% | 2,613 |
| Cash dividends to net income (ytd only)* | 74.7899% | 984 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7186% | 5,163 |
| Loan loss allowance to noncurrent loans | 130.9417% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 3,056 |
| Noncurrent loans to loans | 0.5488% | 3,100 |
| Net loans and leases to total assets | 92.8511% | 20 |
| Net loans and leases to deposits | 115.0267% | 183 |
| Net loans and leases to core deposits | 141.9109% | 175 |
| Total domestic deposits to total assets | 80.7213% | 4,254 |
| Equity capital to assets | 8.8084% | 5,063 |
| Core capital (leverage) ratio | 8.7215% | 5,032 |
| Tier 1 risk-based capital ratio | 12.7985% | 4,120 |
| Total risk-based capital ratio | 13.7750% | 4,189 |
| Memoranda: |
| Average total assets | $44,558,330 | 5,356 |
| Average earning assets | $42,826,000 | 5,313 |
| Average equity | $3,768,000 | 5,555 |
| Average total loans | $41,629,670 | 4,757 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1546% | 407 |
| Cost of funding earning assets | 0.5164% | 1,961 |
| Net interest margin | 4.6382% | 419 |
| Noninterest income to average assets | 0.2749% | 4,579 |
| Noninterest expense to average assets | 2.3585% | 4,236 |
| Loan and lease loss provision to assets | 0.0532% | 2,742 |
| Net operating income to assets | 2.3230% | 188 |
| Return on assets (ROA) | 2.3230% | 190 |
| Pretax return on assets | 2.3230% | 289 |
| Return on Equity (ROE) | 28.0326% | 59 |
| Retained earnings to average equity (ytd only) | 6.9547% | 1,867 |
| Net charge-offs to loans | -0.0570% | 5,244 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8127% | 5,384 |
| Assets per employee ($millions) | 4.9236% | 2,546 |
| Cash dividends to net income (ytd only)* | 75.1908% | 1,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6850% | 5,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 92.2707% | 16 |
| Net loans and leases to deposits | 115.4739% | 129 |
| Net loans and leases to core deposits | 144.7430% | 133 |
| Total domestic deposits to total assets | 79.9061% | 4,636 |
| Equity capital to assets | 8.5146% | 5,230 |
| Core capital (leverage) ratio | 8.4085% | 5,294 |
| Tier 1 risk-based capital ratio | 12.9461% | 4,109 |
| Total risk-based capital ratio | 13.9137% | 4,188 |
| Memoranda: |
| Average total assets | $45,114,000 | 5,406 |
| Average earning assets | $43,379,000 | 5,361 |
| Average equity | $3,738,500 | 5,618 |
| Average total loans | $42,128,000 | 4,786 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9789% | 614 |
| Cost of funding earning assets | 0.4458% | 2,572 |
| Net interest margin | 4.5331% | 577 |
| Noninterest income to average assets | 0.2950% | 4,629 |
| Noninterest expense to average assets | 2.4143% | 4,269 |
| Loan and lease loss provision to assets | 0.0541% | 3,305 |
| Net operating income to assets | 2.1778% | 233 |
| Return on assets (ROA) | 2.1778% | 244 |
| Pretax return on assets | 2.1778% | 343 |
| Return on Equity (ROE) | 26.9780% | 59 |
| Retained earnings to average equity (ytd only) | 6.8352% | 1,293 |
| Net charge-offs to loans | -0.0430% | 5,355 |
| Credit loss provision to net charge-offs | -133.3333% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9632% | 5,385 |
| Assets per employee ($millions) | 5.7395% | 1,669 |
| Cash dividends to net income (ytd only)* | 74.6639% | 1,111 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6266% | 5,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 93.2507% | 17 |
| Net loans and leases to deposits | 124.1288% | 59 |
| Net loans and leases to core deposits | 157.6821% | 89 |
| Total domestic deposits to total assets | 75.1241% | 5,339 |
| Equity capital to assets | 8.0669% | 5,531 |
| Core capital (leverage) ratio | 8.1987% | 5,506 |
| Tier 1 risk-based capital ratio | 12.0896% | 4,667 |
| Total risk-based capital ratio | 12.9708% | 4,816 |
| Memoranda: |
| Average total assets | $44,402,200 | 5,457 |
| Average earning assets | $42,620,200 | 5,409 |
| Average equity | $3,584,400 | 5,690 |
| Average total loans | $41,830,800 | 4,821 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9937% | 609 |
| Cost of funding earning assets | 0.4451% | 2,600 |
| Net interest margin | 4.5487% | 559 |
| Noninterest income to average assets | 0.2968% | 4,641 |
| Noninterest expense to average assets | 2.3714% | 4,351 |
| Loan and lease loss provision to assets | 0.0545% | 3,172 |
| Net operating income to assets | 2.2351% | 234 |
| Return on assets (ROA) | 2.2351% | 246 |
| Pretax return on assets | 2.2351% | 360 |
| Return on Equity (ROE) | 27.6827% | 56 |
| Retained earnings to average equity (ytd only) | 6.9020% | 1,675 |
| Net charge-offs to loans | -0.0450% | 5,332 |
| Credit loss provision to net charge-offs | -128.5714% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8772% | 5,449 |
| Assets per employee ($millions) | 5.5549% | 1,800 |
| Cash dividends to net income (ytd only)* | 75.0676% | 876 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6178% | 5,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 94.1110% | 8 |
| Net loans and leases to deposits | 117.1517% | 143 |
| Net loans and leases to core deposits | 147.4527% | 140 |
| Total domestic deposits to total assets | 80.3326% | 4,432 |
| Equity capital to assets | 8.2068% | 5,670 |
| Core capital (leverage) ratio | 8.2414% | 5,545 |
| Tier 1 risk-based capital ratio | 11.7195% | 4,972 |
| Total risk-based capital ratio | 12.5550% | 5,105 |
| Memoranda: |
| Average total assets | $44,023,750 | 5,519 |
| Average earning assets | $42,238,500 | 5,477 |
| Average equity | $3,554,500 | 5,752 |
| Average total loans | $41,516,750 | 4,872 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0386% | 546 |
| Cost of funding earning assets | 0.4326% | 2,714 |
| Net interest margin | 4.6060% | 502 |
| Noninterest income to average assets | 0.2962% | 4,664 |
| Noninterest expense to average assets | 2.3926% | 4,356 |
| Loan and lease loss provision to assets | 0.0547% | 3,057 |
| Net operating income to assets | 2.2650% | 208 |
| Return on assets (ROA) | 2.2650% | 219 |
| Pretax return on assets | 2.2650% | 332 |
| Return on Equity (ROE) | 28.2092% | 56 |
| Retained earnings to average equity (ytd only) | 7.0381% | 1,583 |
| Net charge-offs to loans | -0.0484% | 5,349 |
| Credit loss provision to net charge-offs | -120.0000% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7737% | 5,520 |
| Assets per employee ($millions) | 5.4350% | 1,859 |
| Cash dividends to net income (ytd only)* | 75.0503% | 1,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6096% | 5,670 |
| Loan loss allowance to noncurrent loans | 63.4518% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 2,346 |
| Noncurrent loans to loans | 0.9608% | 2,358 |
| Net loans and leases to total assets | 93.7397% | 11 |
| Net loans and leases to deposits | 115.3964% | 157 |
| Net loans and leases to core deposits | 145.6371% | 145 |
| Total domestic deposits to total assets | 81.2328% | 4,210 |
| Equity capital to assets | 8.2475% | 5,717 |
| Core capital (leverage) ratio | 8.1331% | 5,647 |
| Tier 1 risk-based capital ratio | 12.0854% | 4,773 |
| Total risk-based capital ratio | 12.9281% | 4,942 |
| Memoranda: |
| Average total assets | $43,885,330 | 5,586 |
| Average earning assets | $42,075,330 | 5,541 |
| Average equity | $3,523,670 | 5,824 |
| Average total loans | $41,328,330 | 4,923 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0560% | 525 |
| Cost of funding earning assets | 0.3787% | 3,310 |
| Net interest margin | 4.6773% | 439 |
| Noninterest income to average assets | 0.2994% | 4,589 |
| Noninterest expense to average assets | 2.3045% | 4,649 |
| Loan and lease loss provision to assets | 0.0544% | 2,853 |
| Net operating income to assets | 2.4224% | 176 |
| Return on assets (ROA) | 2.4224% | 184 |
| Pretax return on assets | 2.4224% | 270 |
| Return on Equity (ROE) | 30.5798% | 45 |
| Retained earnings to average equity (ytd only) | 7.6736% | 1,601 |
| Net charge-offs to loans | -0.0482% | 5,307 |
| Credit loss provision to net charge-offs | -120.0000% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1973% | 5,716 |
| Assets per employee ($millions) | 5.5718% | 1,765 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5661% | 5,798 |
| Loan loss allowance to noncurrent loans | 60.6599% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 2,475 |
| Noncurrent loans to loans | 0.9333% | 2,515 |
| Net loans and leases to total assets | 94.1760% | 8 |
| Net loans and leases to deposits | 121.6859% | 89 |
| Net loans and leases to core deposits | 153.1094% | 98 |
| Total domestic deposits to total assets | 77.3927% | 5,235 |
| Equity capital to assets | 7.9015% | 5,858 |
| Core capital (leverage) ratio | 7.9833% | 5,777 |
| Tier 1 risk-based capital ratio | 11.4488% | 5,259 |
| Total risk-based capital ratio | 12.2257% | 5,428 |
| Memoranda: |
| Average total assets | $44,088,000 | 5,634 |
| Average earning assets | $42,246,500 | 5,587 |
| Average equity | $3,492,500 | 5,881 |
| Average total loans | $41,488,500 | 4,955 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7364% | 1,036 |
| Cost of funding earning assets | 0.3802% | 3,365 |
| Net interest margin | 4.3561% | 865 |
| Noninterest income to average assets | 0.3494% | 4,405 |
| Noninterest expense to average assets | 2.4870% | 4,268 |
| Loan and lease loss provision to assets | 0.0586% | 3,139 |
| Net operating income to assets | 1.9740% | 363 |
| Return on assets (ROA) | 1.9740% | 370 |
| Pretax return on assets | 1.9740% | 564 |
| Return on Equity (ROE) | 24.0734% | 116 |
| Retained earnings to average equity (ytd only) | 6.0184% | 1,783 |
| Net charge-offs to loans | -0.0186% | 5,251 |
| Credit loss provision to net charge-offs | -342.8571% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0270% | 5,435 |
| Assets per employee ($millions) | 5.4503% | 1,858 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5594% | 5,862 |
| Loan loss allowance to noncurrent loans | 57.8680% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 2,405 |
| Noncurrent loans to loans | 0.9666% | 2,400 |
| Net loans and leases to total assets | 92.9590% | 16 |
| Net loans and leases to deposits | 127.4752% | 58 |
| Net loans and leases to core deposits | 144.9020% | 138 |
| Total domestic deposits to total assets | 72.9233% | 5,734 |
| Equity capital to assets | 7.9423% | 5,873 |
| Core capital (leverage) ratio | 7.9668% | 5,853 |
| Tier 1 risk-based capital ratio | 11.8260% | 5,053 |
| Total risk-based capital ratio | 12.6046% | 5,234 |
| Memoranda: |
| Average total assets | $40,932,600 | 5,744 |
| Average earning assets | $39,186,000 | 5,701 |
| Average equity | $3,356,400 | 5,944 |
| Average total loans | $37,713,600 | 5,098 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6316% | 1,253 |
| Cost of funding earning assets | 0.3874% | 3,362 |
| Net interest margin | 4.2442% | 1,065 |
| Noninterest income to average assets | 0.3576% | 4,380 |
| Noninterest expense to average assets | 2.4603% | 4,314 |
| Loan and lease loss provision to assets | 0.0596% | 2,993 |
| Net operating income to assets | 1.9007% | 425 |
| Return on assets (ROA) | 1.9007% | 445 |
| Pretax return on assets | 1.9007% | 715 |
| Return on Equity (ROE) | 22.9840% | 162 |
| Retained earnings to average equity (ytd only) | 5.7662% | 2,392 |
| Net charge-offs to loans | -0.0108% | 5,015 |
| Credit loss provision to net charge-offs | -600.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6554% | 5,394 |
| Assets per employee ($millions) | 6.1654% | 1,263 |
| Cash dividends to net income (ytd only)* | 74.9134% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5467% | 5,974 |
| Loan loss allowance to noncurrent loans | 55.3299% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 2,581 |
| Noncurrent loans to loans | 0.9881% | 2,521 |
| Net loans and leases to total assets | 91.8903% | 30 |
| Net loans and leases to deposits | 126.1989% | 58 |
| Net loans and leases to core deposits | 143.6676% | 144 |
| Total domestic deposits to total assets | 72.8138% | 5,806 |
| Equity capital to assets | 7.8919% | 5,996 |
| Core capital (leverage) ratio | 8.7304% | 5,313 |
| Tier 1 risk-based capital ratio | 11.8494% | 5,167 |
| Total risk-based capital ratio | 12.6078% | 5,365 |
| Memoranda: |
| Average total assets | $40,265,250 | 5,833 |
| Average earning assets | $38,545,500 | 5,791 |
| Average equity | $3,329,750 | 6,029 |
| Average total loans | $36,952,000 | 5,174 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6793% | 1,121 |
| Cost of funding earning assets | 0.4041% | 3,233 |
| Net interest margin | 4.2752% | 970 |
| Noninterest income to average assets | 0.3613% | 4,353 |
| Noninterest expense to average assets | 2.5241% | 4,161 |
| Loan and lease loss provision to assets | 0.0611% | 2,881 |
| Net operating income to assets | 1.8676% | 454 |
| Return on assets (ROA) | 1.8676% | 476 |
| Pretax return on assets | 1.8676% | 791 |
| Return on Equity (ROE) | 22.2133% | 187 |
| Retained earnings to average equity (ytd only) | 5.6290% | 2,446 |
| Net charge-offs to loans | -0.0056% | 4,767 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6857% | 5,368 |
| Assets per employee ($millions) | 4.8434% | 2,483 |
| Cash dividends to net income (ytd only)* | 74.6594% | 1,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5935% | 5,984 |
| Loan loss allowance to noncurrent loans | 53.2995% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 2,478 |
| Noncurrent loans to loans | 1.1136% | 2,429 |
| Net loans and leases to total assets | 90.7735% | 48 |
| Net loans and leases to deposits | 113.8695% | 184 |
| Net loans and leases to core deposits | 129.9442% | 275 |
| Total domestic deposits to total assets | 79.7171% | 4,924 |
| Equity capital to assets | 8.6407% | 5,570 |
| Core capital (leverage) ratio | 8.6503% | 5,372 |
| Tier 1 risk-based capital ratio | 12.2946% | 4,939 |
| Total risk-based capital ratio | 13.0648% | 5,172 |
| Memoranda: |
| Average total assets | $39,301,000 | 5,915 |
| Average earning assets | $37,612,330 | 5,873 |
| Average equity | $3,304,330 | 6,090 |
| Average total loans | $35,977,330 | 5,258 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7096% | 1,016 |
| Cost of funding earning assets | 0.4329% | 2,943 |
| Net interest margin | 4.2767% | 926 |
| Noninterest income to average assets | 0.3638% | 4,300 |
| Noninterest expense to average assets | 2.4559% | 4,425 |
| Loan and lease loss provision to assets | 0.0606% | 2,716 |
| Net operating income to assets | 1.9405% | 380 |
| Return on assets (ROA) | 1.9405% | 400 |
| Pretax return on assets | 1.9405% | 662 |
| Return on Equity (ROE) | 23.3968% | 145 |
| Retained earnings to average equity (ytd only) | 6.0929% | 2,439 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1020% | 5,587 |
| Assets per employee ($millions) | 4.8531% | 2,556 |
| Cash dividends to net income (ytd only)* | 73.9583% | 1,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5696% | 6,094 |
| Loan loss allowance to noncurrent loans | 51.5228% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 2,590 |
| Noncurrent loans to loans | 1.1056% | 2,559 |
| Net loans and leases to total assets | 91.2634% | 37 |
| Net loans and leases to deposits | 114.1785% | 156 |
| Net loans and leases to core deposits | 130.2109% | 245 |
| Total domestic deposits to total assets | 79.9305% | 5,061 |
| Equity capital to assets | 8.5126% | 5,731 |
| Core capital (leverage) ratio | 8.3970% | 5,637 |
| Tier 1 risk-based capital ratio | 11.7540% | 5,407 |
| Total risk-based capital ratio | 12.4751% | 5,616 |
| Memoranda: |
| Average total assets | $39,578,000 | 5,964 |
| Average earning assets | $37,880,000 | 5,927 |
| Average equity | $3,282,500 | 6,154 |
| Average total loans | $36,275,000 | 5,287 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3494% | 2,412 |
| Cost of funding earning assets | 0.4830% | 2,848 |
| Net interest margin | 3.8664% | 2,374 |
| Noninterest income to average assets | 0.4365% | 3,924 |
| Noninterest expense to average assets | 2.7473% | 3,686 |
| Loan and lease loss provision to assets | 0.0366% | 3,848 |
| Net operating income to assets | 1.3567% | 1,175 |
| Return on assets (ROA) | 1.3567% | 1,221 |
| Pretax return on assets | 1.3567% | 2,055 |
| Return on Equity (ROE) | 16.3136% | 581 |
| Retained earnings to average equity (ytd only) | 4.0863% | 3,297 |
| Net charge-offs to loans | 0.0918% | 3,182 |
| Credit loss provision to net charge-offs | 46.6667% | 3,556 |
| Earnings coverage of net charge-offs (x) | 17.7667% | 1,894 |
| Efficiency ratio | 66.3510% | 4,188 |
| Assets per employee ($millions) | 5.0414% | 2,265 |
| Cash dividends to net income (ytd only)* | 74.9518% | 1,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5337% | 6,220 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 2,800 |
| Noncurrent loans to loans | 1.0673% | 2,687 |
| Net loans and leases to total assets | 91.0392% | 47 |
| Net loans and leases to deposits | 117.5207% | 118 |
| Net loans and leases to core deposits | 133.8961% | 210 |
| Total domestic deposits to total assets | 77.4665% | 5,528 |
| Equity capital to assets | 8.0831% | 6,019 |
| Core capital (leverage) ratio | 8.1545% | 5,884 |
| Tier 1 risk-based capital ratio | 12.9741% | 4,741 |
| Total risk-based capital ratio | 13.7581% | 4,949 |
| Memoranda: |
| Average total assets | $38,255,600 | 6,077 |
| Average earning assets | $36,649,000 | 6,024 |
| Average equity | $3,181,400 | 6,234 |
| Average total loans | $32,665,400 | 5,462 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1554% | 3,151 |
| Cost of funding earning assets | 0.4904% | 2,855 |
| Net interest margin | 3.6650% | 3,172 |
| Noninterest income to average assets | 0.4381% | 3,964 |
| Noninterest expense to average assets | 2.7417% | 3,664 |
| Loan and lease loss provision to assets | 0.0283% | 3,841 |
| Net operating income to assets | 1.1801% | 1,751 |
| Return on assets (ROA) | 1.1801% | 1,822 |
| Pretax return on assets | 1.1801% | 2,860 |
| Return on Equity (ROE) | 14.0846% | 968 |
| Retained earnings to average equity (ytd only) | 3.5423% | 4,126 |
| Net charge-offs to loans | 0.1266% | 2,528 |
| Credit loss provision to net charge-offs | 26.6667% | 3,498 |
| Earnings coverage of net charge-offs (x) | 11.3998% | 2,427 |
| Efficiency ratio | 69.4097% | 3,611 |
| Assets per employee ($millions) | 5.6007% | 1,636 |
| Cash dividends to net income (ytd only)* | 74.8518% | 881 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5379% | 6,296 |
| Loan loss allowance to noncurrent loans | 48.4772% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 2,945 |
| Noncurrent loans to loans | 1.1096% | 2,850 |
| Net loans and leases to total assets | 90.0854% | 52 |
| Net loans and leases to deposits | 109.2422% | 237 |
| Net loans and leases to core deposits | 125.0593% | 297 |
| Total domestic deposits to total assets | 82.4640% | 4,312 |
| Equity capital to assets | 8.1903% | 6,023 |
| Core capital (leverage) ratio | 8.2856% | 5,849 |
| Tier 1 risk-based capital ratio | 13.4057% | 4,599 |
| Total risk-based capital ratio | 14.2028% | 4,812 |
| Memoranda: |
| Average total assets | $37,736,750 | 6,165 |
| Average earning assets | $36,161,000 | 6,106 |
| Average equity | $3,161,750 | 6,307 |
| Average total loans | $31,603,250 | 5,557 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0668% | 3,479 |
| Cost of funding earning assets | 0.4936% | 2,895 |
| Net interest margin | 3.5732% | 3,471 |
| Noninterest income to average assets | 0.4510% | 3,865 |
| Noninterest expense to average assets | 2.7868% | 3,555 |
| Loan and lease loss provision to assets | 0.0107% | 4,030 |
| Net operating income to assets | 1.0739% | 2,027 |
| Return on assets (ROA) | 1.0739% | 2,104 |
| Pretax return on assets | 1.0739% | 3,198 |
| Return on Equity (ROE) | 12.7173% | 1,251 |
| Retained earnings to average equity (ytd only) | 3.1793% | 4,177 |
| Net charge-offs to loans | 0.1980% | 1,841 |
| Credit loss provision to net charge-offs | 6.6667% | 3,340 |
| Earnings coverage of net charge-offs (x) | 6.7333% | 2,731 |
| Efficiency ratio | 71.9834% | 3,346 |
| Assets per employee ($millions) | 4.7734% | 2,513 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5359% | 6,378 |
| Loan loss allowance to noncurrent loans | 19.1313% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 2.5323% | 1,111 |
| Noncurrent loans to loans | 2.8011% | 1,076 |
| Net loans and leases to total assets | 89.9180% | 54 |
| Net loans and leases to deposits | 106.4086% | 290 |
| Net loans and leases to core deposits | 106.4086% | 875 |
| Total domestic deposits to total assets | 84.5026% | 3,721 |
| Equity capital to assets | 8.3170% | 5,940 |
| Core capital (leverage) ratio | 8.6362% | 5,484 |
| Tier 1 risk-based capital ratio | 13.8446% | 4,353 |
| Total risk-based capital ratio | 14.6503% | 4,598 |
| Memoranda: |
| Average total assets | $37,247,330 | 6,232 |
| Average earning assets | $35,654,330 | 6,179 |
| Average equity | $3,145,330 | 6,359 |
| Average total loans | $30,301,330 | 5,651 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7651% | 4,617 |
| Cost of funding earning assets | 0.5005% | 2,907 |
| Net interest margin | 3.2646% | 4,688 |
| Noninterest income to average assets | 0.4568% | 3,735 |
| Noninterest expense to average assets | 2.8061% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7722% | 3,298 |
| Return on assets (ROA) | 0.7722% | 3,380 |
| Pretax return on assets | 0.7722% | 4,214 |
| Return on Equity (ROE) | 9.0735% | 2,427 |
| Retained earnings to average equity (ytd only) | 2.4281% | 4,617 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4195% | 2,424 |
| Assets per employee ($millions) | 4.6009% | 2,815 |
| Cash dividends to net income (ytd only)* | 73.2394% | 1,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7287% | 6,234 |
| Loan loss allowance to noncurrent loans | 19.5055% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 2.9668% | 972 |
| Noncurrent loans to loans | 3.7356% | 754 |
| Net loans and leases to total assets | 78.8410% | 672 |
| Net loans and leases to deposits | 87.8113% | 1,379 |
| Net loans and leases to core deposits | 100.2072% | 1,093 |
| Total domestic deposits to total assets | 89.7846% | 1,187 |
| Equity capital to assets | 8.5364% | 5,619 |
| Core capital (leverage) ratio | 8.5571% | 5,576 |
| Tier 1 risk-based capital ratio | 15.3266% | 3,537 |
| Total risk-based capital ratio | 16.3633% | 3,602 |
| Memoranda: |
| Average total assets | $36,777,500 | 6,305 |
| Average earning assets | $35,165,500 | 6,248 |
| Average equity | $3,130,000 | 6,417 |
| Average total loans | $28,191,000 | 5,787 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5423% | 5,554 |
| Cost of funding earning assets | 0.5180% | 3,417 |
| Net interest margin | 3.0243% | 5,522 |
| Noninterest income to average assets | 0.4696% | 3,964 |
| Noninterest expense to average assets | 2.6667% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6893% | 3,842 |
| Return on assets (ROA) | 0.6893% | 3,942 |
| Pretax return on assets | 0.6893% | 4,583 |
| Return on Equity (ROE) | 8.1372% | 2,965 |
| Retained earnings to average equity (ytd only) | 2.0424% | 4,788 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4599% | 2,246 |
| Assets per employee ($millions) | 4.5935% | 2,726 |
| Cash dividends to net income (ytd only)* | 74.9004% | 1,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7845% | 6,205 |
| Loan loss allowance to noncurrent loans | 27.8068% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 2.0845% | 1,717 |
| Noncurrent loans to loans | 2.8214% | 1,245 |
| Net loans and leases to total assets | 73.3019% | 1,471 |
| Net loans and leases to deposits | 81.5729% | 2,242 |
| Net loans and leases to core deposits | 93.0949% | 1,669 |
| Total domestic deposits to total assets | 89.8607% | 1,152 |
| Equity capital to assets | 8.4848% | 5,595 |
| Core capital (leverage) ratio | 8.5282% | 5,635 |
| Tier 1 risk-based capital ratio | 16.3634% | 2,926 |
| Total risk-based capital ratio | 17.4773% | 2,947 |
| Memoranda: |
| Average total assets | $36,412,400 | 6,377 |
| Average earning assets | $34,751,400 | 6,327 |
| Average equity | $3,084,600 | 6,522 |
| Average total loans | $27,366,400 | 5,878 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5518% | 5,574 |
| Cost of funding earning assets | 0.5195% | 3,570 |
| Net interest margin | 3.0323% | 5,513 |
| Noninterest income to average assets | 0.4624% | 4,057 |
| Noninterest expense to average assets | 2.5764% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7781% | 3,471 |
| Return on assets (ROA) | 0.7781% | 3,597 |
| Pretax return on assets | 0.7781% | 4,390 |
| Return on Equity (ROE) | 9.1885% | 2,547 |
| Retained earnings to average equity (ytd only) | 2.3405% | 4,923 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8053% | 2,593 |
| Assets per employee ($millions) | 4.5804% | 2,754 |
| Cash dividends to net income (ytd only)* | 74.5277% | 932 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8080% | 6,265 |
| Loan loss allowance to noncurrent loans | 50.5938% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 3,362 |
| Noncurrent loans to loans | 1.5971% | 2,778 |
| Net loans and leases to total assets | 71.3561% | 1,719 |
| Net loans and leases to deposits | 79.3680% | 2,498 |
| Net loans and leases to core deposits | 90.5994% | 1,916 |
| Total domestic deposits to total assets | 89.9053% | 1,054 |
| Equity capital to assets | 8.4764% | 5,756 |
| Core capital (leverage) ratio | 8.5384% | 5,735 |
| Tier 1 risk-based capital ratio | 16.8140% | 2,798 |
| Total risk-based capital ratio | 17.9618% | 2,808 |
| Memoranda: |
| Average total assets | $36,328,500 | 6,453 |
| Average earning assets | $34,648,750 | 6,398 |
| Average equity | $3,076,250 | 6,593 |
| Average total loans | $27,420,500 | 5,928 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5348% | 5,619 |
| Cost of funding earning assets | 0.5215% | 3,691 |
| Net interest margin | 3.0132% | 5,541 |
| Noninterest income to average assets | 0.4417% | 4,232 |
| Noninterest expense to average assets | 2.4404% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8724% | 2,942 |
| Return on assets (ROA) | 0.8724% | 3,093 |
| Pretax return on assets | 0.8724% | 4,016 |
| Return on Equity (ROE) | 10.3055% | 2,083 |
| Retained earnings to average equity (ytd only) | 2.7394% | 4,570 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6667% | 3,187 |
| Assets per employee ($millions) | 4.5619% | 2,715 |
| Cash dividends to net income (ytd only)* | 73.4177% | 1,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8548% | 6,244 |
| Loan loss allowance to noncurrent loans | 177.5000% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 5,492 |
| Noncurrent loans to loans | 0.4816% | 5,063 |
| Net loans and leases to total assets | 67.6969% | 2,307 |
| Net loans and leases to deposits | 75.2475% | 2,982 |
| Net loans and leases to core deposits | 85.9339% | 2,338 |
| Total domestic deposits to total assets | 89.9657% | 1,047 |
| Equity capital to assets | 8.4642% | 5,805 |
| Core capital (leverage) ratio | 8.5291% | 5,633 |
| Tier 1 risk-based capital ratio | 17.4538% | 2,532 |
| Total risk-based capital ratio | 18.6500% | 2,525 |
| Memoranda: |
| Average total assets | $36,223,670 | 6,505 |
| Average earning assets | $34,514,330 | 6,449 |
| Average equity | $3,066,330 | 6,641 |
| Average total loans | $27,774,000 | 5,948 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7740% | 4,907 |
| Cost of funding earning assets | 0.5358% | 3,722 |
| Net interest margin | 3.2382% | 4,765 |
| Noninterest income to average assets | 0.3879% | 4,555 |
| Noninterest expense to average assets | 2.3941% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0751% | 1,951 |
| Return on assets (ROA) | 1.0751% | 2,059 |
| Pretax return on assets | 1.0751% | 3,044 |
| Return on Equity (ROE) | 12.7005% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.1424% | 4,378 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0096% | 4,146 |
| Assets per employee ($millions) | 4.5533% | 2,879 |
| Cash dividends to net income (ytd only)* | 75.2577% | 969 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7452% | 6,533 |
| Loan loss allowance to noncurrent loans | 8.0045% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 7.3052% | 374 |
| Noncurrent loans to loans | 9.3097% | 249 |
| Net loans and leases to total assets | 77.8839% | 624 |
| Net loans and leases to deposits | 86.4807% | 1,295 |
| Net loans and leases to core deposits | 98.7745% | 1,027 |
| Total domestic deposits to total assets | 90.0593% | 1,011 |
| Equity capital to assets | 8.4033% | 6,099 |
| Core capital (leverage) ratio | 8.4888% | 5,613 |
| Tier 1 risk-based capital ratio | 17.2462% | 2,661 |
| Total risk-based capital ratio | 18.4350% | 2,652 |
| Memoranda: |
| Average total assets | $36,088,000 | 6,567 |
| Average earning assets | $34,340,500 | 6,512 |
| Average equity | $3,055,000 | 6,708 |
| Average total loans | $29,201,500 | 5,921 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8367% | 5,746 |
| Cost of funding earning assets | 0.5971% | 4,386 |
| Net interest margin | 3.2396% | 5,459 |
| Noninterest income to average assets | 0.5261% | 3,739 |
| Noninterest expense to average assets | 2.3830% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2267% | 1,514 |
| Return on assets (ROA) | 1.2267% | 1,683 |
| Pretax return on assets | 1.2267% | 2,696 |
| Return on Equity (ROE) | 14.5353% | 897 |
| Retained earnings to average equity (ytd only) | 0.5667% | 5,567 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0171% | 4,502 |
| Assets per employee ($millions) | 4.4688% | 3,018 |
| Cash dividends to net income (ytd only)* | 96.1009% | 561 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7143% | 6,614 |
| Loan loss allowance to noncurrent loans | 7,100.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,666 |
| Noncurrent loans to loans | 0.0101% | 6,539 |
| Net loans and leases to total assets | 82.8168% | 280 |
| Net loans and leases to deposits | 92.0845% | 904 |
| Net loans and leases to core deposits | 105.4756% | 716 |
| Total domestic deposits to total assets | 89.9357% | 979 |
| Equity capital to assets | 8.5287% | 6,027 |
| Core capital (leverage) ratio | 8.5076% | 5,597 |
| Tier 1 risk-based capital ratio | 16.4609% | 2,917 |
| Total risk-based capital ratio | 17.6041% | 2,921 |
| Memoranda: |
| Average total assets | $35,543,000 | 6,616 |
| Average earning assets | $33,831,200 | 6,559 |
| Average equity | $2,999,600 | 6,783 |
| Average total loans | $28,996,200 | 5,995 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8223% | 5,968 |
| Cost of funding earning assets | 0.5996% | 4,652 |
| Net interest margin | 3.2227% | 5,641 |
| Noninterest income to average assets | 0.5034% | 3,906 |
| Noninterest expense to average assets | 2.3367% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2360% | 1,615 |
| Return on assets (ROA) | 1.2360% | 1,785 |
| Pretax return on assets | 1.2360% | 2,843 |
| Return on Equity (ROE) | 14.6844% | 958 |
| Retained earnings to average equity (ytd only) | -0.3572% | 6,152 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4048% | 4,558 |
| Assets per employee ($millions) | 4.5175% | 2,885 |
| Cash dividends to net income (ytd only)* | 102.4301% | 307 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7696% | 6,657 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 6,732 |
| Noncurrent loans to loans | 0.0217% | 6,586 |
| Net loans and leases to total assets | 75.9878% | 980 |
| Net loans and leases to deposits | 84.2729% | 1,834 |
| Net loans and leases to core deposits | 96.3309% | 1,391 |
| Total domestic deposits to total assets | 90.1688% | 753 |
| Equity capital to assets | 8.3343% | 6,395 |
| Core capital (leverage) ratio | 8.5037% | 5,750 |
| Tier 1 risk-based capital ratio | 18.0636% | 2,310 |
| Total risk-based capital ratio | 19.3288% | 2,280 |
| Memoranda: |
| Average total assets | $35,491,250 | 6,703 |
| Average earning assets | $33,800,750 | 6,646 |
| Average equity | $2,987,250 | 6,873 |
| Average total loans | $28,790,250 | 6,073 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9026% | 5,912 |
| Cost of funding earning assets | 0.6137% | 4,776 |
| Net interest margin | 3.2889% | 5,477 |
| Noninterest income to average assets | 0.4706% | 4,128 |
| Noninterest expense to average assets | 2.3756% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2247% | 1,626 |
| Return on assets (ROA) | 1.2247% | 1,821 |
| Pretax return on assets | 1.2247% | 2,824 |
| Return on Equity (ROE) | 14.5015% | 1,013 |
| Retained earnings to average equity (ytd only) | -2.3498% | 6,393 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9843% | 4,537 |
| Assets per employee ($millions) | 4.4500% | 3,004 |
| Cash dividends to net income (ytd only)* | 116.2037% | 292 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7622% | 6,742 |
| Loan loss allowance to noncurrent loans | 10,650.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,842 |
| Noncurrent loans to loans | 0.0072% | 6,702 |
| Net loans and leases to total assets | 77.8961% | 735 |
| Net loans and leases to deposits | 86.4244% | 1,544 |
| Net loans and leases to core deposits | 99.0075% | 1,175 |
| Total domestic deposits to total assets | 90.1320% | 852 |
| Equity capital to assets | 8.3287% | 6,352 |
| Core capital (leverage) ratio | 8.6775% | 5,408 |
| Tier 1 risk-based capital ratio | 18.2916% | 2,199 |
| Total risk-based capital ratio | 19.5847% | 2,152 |
| Memoranda: |
| Average total assets | $35,275,000 | 6,760 |
| Average earning assets | $33,567,670 | 6,699 |
| Average equity | $2,979,000 | 6,914 |
| Average total loans | $29,162,000 | 6,102 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9902% | 5,793 |
| Cost of funding earning assets | 0.6471% | 4,752 |
| Net interest margin | 3.3431% | 5,322 |
| Noninterest income to average assets | 0.5240% | 3,752 |
| Noninterest expense to average assets | 2.4265% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2759% | 1,516 |
| Return on assets (ROA) | 1.2759% | 1,688 |
| Pretax return on assets | 1.2759% | 2,626 |
| Return on Equity (ROE) | 15.0033% | 969 |
| Retained earnings to average equity (ytd only) | -8.4394% | 6,784 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5385% | 4,647 |
| Assets per employee ($millions) | 4.3048% | 3,387 |
| Cash dividends to net income (ytd only)* | 156.2500% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7356% | 6,832 |
| Loan loss allowance to noncurrent loans | 788.8889% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 6,690 |
| Noncurrent loans to loans | 0.0932% | 6,527 |
| Net loans and leases to total assets | 83.4630% | 197 |
| Net loans and leases to deposits | 92.8932% | 737 |
| Net loans and leases to core deposits | 106.9905% | 641 |
| Total domestic deposits to total assets | 89.8484% | 1,161 |
| Equity capital to assets | 8.5952% | 5,997 |
| Core capital (leverage) ratio | 8.4011% | 5,740 |
| Tier 1 risk-based capital ratio | 17.9436% | 2,312 |
| Total risk-based capital ratio | 19.2236% | 2,279 |
| Memoranda: |
| Average total assets | $35,112,500 | 6,820 |
| Average earning assets | $33,382,000 | 6,758 |
| Average equity | $2,986,000 | 6,964 |
| Average total loans | $29,771,000 | 6,123 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2358% | 5,954 |
| Cost of funding earning assets | 0.7679% | 5,077 |
| Net interest margin | 3.4679% | 5,263 |
| Noninterest income to average assets | 0.6575% | 2,845 |
| Noninterest expense to average assets | 2.5543% | 5,266 |
| Loan and lease loss provision to assets | 0.0436% | 6,031 |
| Net operating income to assets | 1.3441% | 1,153 |
| Return on assets (ROA) | 1.3354% | 1,251 |
| Pretax return on assets | 1.3354% | 1,998 |
| Return on Equity (ROE) | 15.5277% | 673 |
| Retained earnings to average equity (ytd only) | 7.5778% | 1,238 |
| Net charge-offs to loans | -0.0035% | 6,822 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7970% | 4,987 |
| Assets per employee ($millions) | 3.9763% | 3,910 |
| Cash dividends to net income (ytd only)* | 51.1983% | 1,991 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6964% | 6,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.8716% | 169 |
| Net loans and leases to deposits | 101.0816% | 411 |
| Net loans and leases to core deposits | 114.7407% | 474 |
| Total domestic deposits to total assets | 83.9635% | 4,330 |
| Equity capital to assets | 8.4165% | 6,238 |
| Core capital (leverage) ratio | 8.4605% | 5,626 |
| Tier 1 risk-based capital ratio | 16.1948% | 2,955 |
| Total risk-based capital ratio | 17.3262% | 2,963 |
| Memoranda: |
| Average total assets | $34,372,800 | 6,849 |
| Average earning assets | $32,555,600 | 6,793 |
| Average equity | $2,956,000 | 7,017 |
| Average total loans | $28,268,800 | 6,240 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2968% | 5,958 |
| Cost of funding earning assets | 0.7914% | 5,202 |
| Net interest margin | 3.5054% | 5,166 |
| Noninterest income to average assets | 0.6271% | 3,013 |
| Noninterest expense to average assets | 2.5475% | 5,291 |
| Loan and lease loss provision to assets | 0.0509% | 5,810 |
| Net operating income to assets | 1.3443% | 1,277 |
| Return on assets (ROA) | 1.3325% | 1,391 |
| Pretax return on assets | 1.3325% | 2,176 |
| Return on Equity (ROE) | 15.4086% | 764 |
| Retained earnings to average equity (ytd only) | 9.8797% | 876 |
| Net charge-offs to loans | -0.0048% | 6,710 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6123% | 4,962 |
| Assets per employee ($millions) | 4.0611% | 3,711 |
| Cash dividends to net income (ytd only)* | 35.8819% | 2,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6817% | 6,990 |
| Loan loss allowance to noncurrent loans | 30.6241% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8851% | 3,288 |
| Noncurrent loans to loans | 2.2262% | 3,078 |
| Net loans and leases to total assets | 84.1012% | 217 |
| Net loans and leases to deposits | 102.4804% | 370 |
| Net loans and leases to core deposits | 116.3343% | 485 |
| Total domestic deposits to total assets | 82.0657% | 5,069 |
| Equity capital to assets | 8.3064% | 6,477 |
| Core capital (leverage) ratio | 8.6720% | 5,454 |
| Tier 1 risk-based capital ratio | 15.1303% | 3,590 |
| Total risk-based capital ratio | 16.1794% | 3,676 |
| Memoranda: |
| Average total assets | $34,019,250 | 6,923 |
| Average earning assets | $32,178,250 | 6,862 |
| Average equity | $2,942,000 | 7,086 |
| Average total loans | $27,689,500 | 6,319 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2911% | 6,047 |
| Cost of funding earning assets | 0.8429% | 5,115 |
| Net interest margin | 3.4482% | 5,376 |
| Noninterest income to average assets | 0.6209% | 3,001 |
| Noninterest expense to average assets | 2.6586% | 4,973 |
| Loan and lease loss provision to assets | 0.0603% | 5,557 |
| Net operating income to assets | 1.1575% | 1,698 |
| Return on assets (ROA) | 1.1394% | 1,829 |
| Pretax return on assets | 1.1394% | 2,697 |
| Return on Equity (ROE) | 12.9867% | 1,203 |
| Retained earnings to average equity (ytd only) | 10.2382% | 795 |
| Net charge-offs to loans | -0.0075% | 6,636 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5848% | 4,410 |
| Assets per employee ($millions) | 3.6186% | 4,640 |
| Cash dividends to net income (ytd only)* | 21.1640% | 2,813 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7830% | 6,902 |
| Loan loss allowance to noncurrent loans | 34.6090% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 3,446 |
| Noncurrent loans to loans | 2.2624% | 3,147 |
| Net loans and leases to total assets | 80.9316% | 452 |
| Net loans and leases to deposits | 90.6112% | 1,212 |
| Net loans and leases to core deposits | 103.2919% | 1,092 |
| Total domestic deposits to total assets | 89.3174% | 1,349 |
| Equity capital to assets | 9.1473% | 5,366 |
| Core capital (leverage) ratio | 9.0729% | 4,613 |
| Tier 1 risk-based capital ratio | 13.3184% | 4,676 |
| Total risk-based capital ratio | 14.2499% | 4,896 |
| Memoranda: |
| Average total assets | $33,175,670 | 7,008 |
| Average earning assets | $31,321,000 | 6,954 |
| Average equity | $2,910,670 | 7,152 |
| Average total loans | $26,602,670 | 6,445 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2580% | 6,129 |
| Cost of funding earning assets | 0.8871% | 5,018 |
| Net interest margin | 3.3709% | 5,536 |
| Noninterest income to average assets | 0.5854% | 3,268 |
| Noninterest expense to average assets | 2.7360% | 4,691 |
| Loan and lease loss provision to assets | 0.0836% | 4,949 |
| Net operating income to assets | 0.9438% | 2,381 |
| Return on assets (ROA) | 0.9438% | 2,444 |
| Pretax return on assets | 0.9438% | 3,346 |
| Return on Equity (ROE) | 10.9856% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.9856% | 903 |
| Net charge-offs to loans | -0.0150% | 6,482 |
| Credit loss provision to net charge-offs | -700.0000% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6984% | 3,733 |
| Assets per employee ($millions) | 3.6871% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7874% | 6,946 |
| Loan loss allowance to noncurrent loans | 34.3384% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 1.7991% | 3,571 |
| Noncurrent loans to loans | 2.2932% | 3,205 |
| Net loans and leases to total assets | 77.8357% | 751 |
| Net loans and leases to deposits | 86.6570% | 1,629 |
| Net loans and leases to core deposits | 100.7528% | 1,278 |
| Total domestic deposits to total assets | 89.8204% | 1,267 |
| Equity capital to assets | 8.7693% | 5,546 |
| Core capital (leverage) ratio | 8.6267% | 5,219 |
| Tier 1 risk-based capital ratio | 12.6437% | 5,120 |
| Total risk-based capital ratio | 13.5362% | 5,446 |
| Memoranda: |
| Average total assets | $33,480,000 | 7,054 |
| Average earning assets | $31,564,000 | 7,000 |
| Average equity | $2,876,500 | 7,203 |
| Average total loans | $26,621,500 | 6,495 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1474% | 6,993 |
| Cost of funding earning assets | 1.1245% | 5,001 |
| Net interest margin | 3.0230% | 6,693 |
| Noninterest income to average assets | 0.8759% | 1,947 |
| Noninterest expense to average assets | 2.8817% | 4,309 |
| Loan and lease loss provision to assets | 0.0867% | 6,287 |
| Net operating income to assets | 0.7443% | 3,023 |
| Return on assets (ROA) | 0.7443% | 3,145 |
| Pretax return on assets | 0.7443% | 3,816 |
| Return on Equity (ROE) | 8.9911% | 2,291 |
| Retained earnings to average equity (ytd only) | 4.8747% | 2,492 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6167% | 2,775 |
| Assets per employee ($millions) | 3.7529% | 4,358 |
| Cash dividends to net income (ytd only)* | 45.7831% | 2,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7240% | 7,103 |
| Loan loss allowance to noncurrent loans | 19.9393% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 3.4048% | 2,051 |
| Noncurrent loans to loans | 3.6312% | 2,058 |
| Net loans and leases to total assets | 79.9739% | 665 |
| Net loans and leases to deposits | 88.6715% | 1,699 |
| Net loans and leases to core deposits | 101.1193% | 1,526 |
| Total domestic deposits to total assets | 90.1913% | 996 |
| Equity capital to assets | 8.4172% | 5,972 |
| Core capital (leverage) ratio | 8.3456% | 5,618 |
| Tier 1 risk-based capital ratio | 11.0231% | 6,308 |
| Total risk-based capital ratio | 11.7918% | 6,647 |
| Memoranda: |
| Average total assets | $33,452,400 | 7,099 |
| Average earning assets | $31,392,800 | 7,041 |
| Average equity | $2,769,400 | 7,337 |
| Average total loans | $25,705,800 | 6,625 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1397% | 7,163 |
| Cost of funding earning assets | 1.1499% | 5,149 |
| Net interest margin | 2.9898% | 6,854 |
| Noninterest income to average assets | 0.8870% | 1,846 |
| Noninterest expense to average assets | 2.8127% | 4,431 |
| Loan and lease loss provision to assets | 0.0839% | 6,201 |
| Net operating income to assets | 0.7951% | 3,022 |
| Return on assets (ROA) | 0.7951% | 3,183 |
| Pretax return on assets | 0.7951% | 3,927 |
| Return on Equity (ROE) | 9.6449% | 2,270 |
| Retained earnings to average equity (ytd only) | 4.1196% | 3,572 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1905% | 2,911 |
| Assets per employee ($millions) | 3.7700% | 4,342 |
| Cash dividends to net income (ytd only)* | 57.2872% | 1,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7311% | 7,146 |
| Loan loss allowance to noncurrent loans | 48.8372% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.6917% | 3,906 |
| Noncurrent loans to loans | 1.4970% | 4,394 |
| Net loans and leases to total assets | 75.6351% | 1,472 |
| Net loans and leases to deposits | 83.6664% | 2,760 |
| Net loans and leases to core deposits | 97.3595% | 2,107 |
| Total domestic deposits to total assets | 90.4008% | 677 |
| Equity capital to assets | 8.2375% | 6,567 |
| Core capital (leverage) ratio | 8.2067% | 6,024 |
| Tier 1 risk-based capital ratio | 11.5150% | 5,920 |
| Total risk-based capital ratio | 12.2993% | 6,315 |
| Memoranda: |
| Average total assets | $33,371,500 | 7,192 |
| Average earning assets | $31,306,250 | 7,126 |
| Average equity | $2,751,000 | 7,437 |
| Average total loans | $25,330,000 | 6,738 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3077% | 7,042 |
| Cost of funding earning assets | 1.1637% | 5,319 |
| Net interest margin | 3.1440% | 6,480 |
| Noninterest income to average assets | 0.7654% | 2,299 |
| Noninterest expense to average assets | 2.7060% | 4,878 |
| Loan and lease loss provision to assets | 0.0904% | 6,021 |
| Net operating income to assets | 0.9161% | 2,493 |
| Return on assets (ROA) | 0.9161% | 2,595 |
| Pretax return on assets | 0.9161% | 3,430 |
| Return on Equity (ROE) | 11.1098% | 1,712 |
| Retained earnings to average equity (ytd only) | 2.7774% | 4,367 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8896% | 3,677 |
| Assets per employee ($millions) | 3.6929% | 4,494 |
| Cash dividends to net income (ytd only)* | 75.0000% | 891 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7317% | 7,184 |
| Loan loss allowance to noncurrent loans | 17.6471% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 3.6828% | 1,900 |
| Noncurrent loans to loans | 4.1462% | 1,803 |
| Net loans and leases to total assets | 74.7021% | 1,764 |
| Net loans and leases to deposits | 82.6663% | 3,141 |
| Net loans and leases to core deposits | 93.7932% | 2,746 |
| Total domestic deposits to total assets | 90.3659% | 736 |
| Equity capital to assets | 8.2922% | 6,432 |
| Core capital (leverage) ratio | 7.9624% | 6,310 |
| Tier 1 risk-based capital ratio | 11.9896% | 5,323 |
| Total risk-based capital ratio | 12.7939% | 5,697 |
| Memoranda: |
| Average total assets | $33,185,330 | 7,251 |
| Average earning assets | $31,107,000 | 7,186 |
| Average equity | $2,736,330 | 7,492 |
| Average total loans | $25,156,000 | 6,793 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2101% | 7,249 |
| Cost of funding earning assets | 1.2102% | 5,347 |
| Net interest margin | 2.9998% | 6,831 |
| Noninterest income to average assets | 0.7238% | 2,438 |
| Noninterest expense to average assets | 2.7744% | 4,586 |
| Loan and lease loss provision to assets | 0.0965% | 5,669 |
| Net operating income to assets | 0.6634% | 3,597 |
| Return on assets (ROA) | 0.6634% | 3,709 |
| Pretax return on assets | 0.6634% | 4,363 |
| Return on Equity (ROE) | 8.0690% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.0539% | 4,893 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4983% | 2,816 |
| Assets per employee ($millions) | 3.7210% | 4,524 |
| Cash dividends to net income (ytd only)* | 74.5455% | 949 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6859% | 7,364 |
| Loan loss allowance to noncurrent loans | 14.7899% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 4.1118% | 1,666 |
| Noncurrent loans to loans | 4.6379% | 1,599 |
| Net loans and leases to total assets | 76.0907% | 1,528 |
| Net loans and leases to deposits | 86.8922% | 2,426 |
| Net loans and leases to core deposits | 98.9054% | 2,246 |
| Total domestic deposits to total assets | 87.5691% | 2,323 |
| Equity capital to assets | 8.1549% | 6,489 |
| Core capital (leverage) ratio | 8.1640% | 5,971 |
| Tier 1 risk-based capital ratio | 11.2954% | 5,859 |
| Total risk-based capital ratio | 12.0306% | 6,347 |
| Memoranda: |
| Average total assets | $33,160,000 | 7,334 |
| Average earning assets | $31,068,500 | 7,280 |
| Average equity | $2,726,500 | 7,576 |
| Average total loans | $25,228,500 | 6,866 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7289% | 7,090 |
| Cost of funding earning assets | 1.6102% | 4,984 |
| Net interest margin | 3.1187% | 6,314 |
| Noninterest income to average assets | 0.8225% | 2,297 |
| Noninterest expense to average assets | 2.8005% | 4,973 |
| Loan and lease loss provision to assets | 1.9211% | 1,152 |
| Net operating income to assets | -1.0217% | 6,585 |
| Return on assets (ROA) | -1.0217% | 6,588 |
| Pretax return on assets | -1.0217% | 6,418 |
| Return on Equity (ROE) | -12.5956% | 6,805 |
| Retained earnings to average equity (ytd only) | -12.5956% | 6,728 |
| Net charge-offs to loans | 2.8229% | 782 |
| Credit loss provision to net charge-offs | 102.4279% | 5,395 |
| Earnings coverage of net charge-offs (x) | 0.4795% | 5,630 |
| Efficiency ratio | 75.6923% | 3,577 |
| Assets per employee ($millions) | 4.1039% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6774% | 7,419 |
| Loan loss allowance to noncurrent loans | 19.4896% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 3.1921% | 2,157 |
| Noncurrent loans to loans | 3.4759% | 2,187 |
| Net loans and leases to total assets | 75.0236% | 2,025 |
| Net loans and leases to deposits | 83.0165% | 3,446 |
| Net loans and leases to core deposits | 120.9952% | 1,881 |
| Total domestic deposits to total assets | 90.3719% | 797 |
| Equity capital to assets | 8.2909% | 6,210 |
| Core capital (leverage) ratio | 7.9760% | 6,231 |
| Tier 1 risk-based capital ratio | 10.4070% | 6,493 |
| Total risk-based capital ratio | 11.0569% | 6,998 |
| Memoranda: |
| Average total assets | $35,136,400 | 7,275 |
| Average earning assets | $32,417,400 | 7,245 |
| Average equity | $2,850,200 | 7,628 |
| Average total loans | $23,344,600 | 7,008 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7055% | 7,275 |
| Cost of funding earning assets | 1.6687% | 5,067 |
| Net interest margin | 3.0369% | 6,502 |
| Noninterest income to average assets | 0.7840% | 2,517 |
| Noninterest expense to average assets | 2.6246% | 5,622 |
| Loan and lease loss provision to assets | 2.0272% | 884 |
| Net operating income to assets | -1.0752% | 6,880 |
| Return on assets (ROA) | -1.0752% | 6,887 |
| Pretax return on assets | -1.0752% | 6,740 |
| Return on Equity (ROE) | -13.3226% | 7,093 |
| Retained earnings to average equity (ytd only) | -13.3226% | 7,029 |
| Net charge-offs to loans | 3.0575% | 531 |
| Credit loss provision to net charge-offs | 103.0361% | 4,943 |
| Earnings coverage of net charge-offs (x) | 0.4839% | 5,545 |
| Efficiency ratio | 73.3820% | 3,982 |
| Assets per employee ($millions) | 3.8246% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7466% | 7,270 |
| Loan loss allowance to noncurrent loans | 15.5412% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 3.6809% | 1,772 |
| Noncurrent loans to loans | 4.8040% | 1,415 |
| Net loans and leases to total assets | 64.8848% | 4,677 |
| Net loans and leases to deposits | 71.6430% | 5,709 |
| Net loans and leases to core deposits | 103.6669% | 3,979 |
| Total domestic deposits to total assets | 90.5668% | 560 |
| Equity capital to assets | 8.0997% | 6,742 |
| Core capital (leverage) ratio | 7.9890% | 6,379 |
| Tier 1 risk-based capital ratio | 10.5773% | 6,377 |
| Total risk-based capital ratio | 11.2209% | 6,964 |
| Memoranda: |
| Average total assets | $35,712,750 | 7,315 |
| Average earning assets | $32,839,750 | 7,296 |
| Average equity | $2,882,250 | 7,694 |
| Average total loans | $22,981,000 | 7,089 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7056% | 7,382 |
| Cost of funding earning assets | 1.6999% | 5,275 |
| Net interest margin | 3.0057% | 6,534 |
| Noninterest income to average assets | 0.7526% | 2,687 |
| Noninterest expense to average assets | 2.6727% | 5,485 |
| Loan and lease loss provision to assets | 2.9881% | 507 |
| Net operating income to assets | -2.0806% | 7,448 |
| Return on assets (ROA) | -2.0806% | 7,443 |
| Pretax return on assets | -2.0806% | 7,310 |
| Return on Equity (ROE) | -25.8094% | 7,640 |
| Retained earnings to average equity (ytd only) | -25.8094% | 7,606 |
| Net charge-offs to loans | 4.3819% | 301 |
| Credit loss provision to net charge-offs | 106.5089% | 4,326 |
| Earnings coverage of net charge-offs (x) | 0.3235% | 5,352 |
| Efficiency ratio | 74.6522% | 3,929 |
| Assets per employee ($millions) | 3.4688% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8589% | 6,945 |
| Loan loss allowance to noncurrent loans | 21.4866% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 3.0183% | 2,102 |
| Noncurrent loans to loans | 3.9976% | 1,700 |
| Net loans and leases to total assets | 61.5573% | 5,429 |
| Net loans and leases to deposits | 67.7142% | 6,225 |
| Net loans and leases to core deposits | 96.0981% | 4,895 |
| Total domestic deposits to total assets | 90.9075% | 486 |
| Equity capital to assets | 7.7577% | 7,025 |
| Core capital (leverage) ratio | 7.5850% | 6,921 |
| Tier 1 risk-based capital ratio | 10.2878% | 6,610 |
| Total risk-based capital ratio | 10.9995% | 7,128 |
| Memoranda: |
| Average total assets | $36,143,330 | 7,373 |
| Average earning assets | $34,002,000 | 7,316 |
| Average equity | $2,913,670 | 7,757 |
| Average total loans | $23,140,670 | 7,140 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9714% | 7,010 |
| Cost of funding earning assets | 1.7763% | 5,234 |
| Net interest margin | 3.1951% | 5,874 |
| Noninterest income to average assets | 0.7377% | 2,668 |
| Noninterest expense to average assets | 2.5494% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1933% | 1,673 |
| Return on assets (ROA) | 1.1933% | 1,786 |
| Pretax return on assets | 1.1933% | 2,651 |
| Return on Equity (ROE) | 14.5455% | 1,065 |
| Retained earnings to average equity (ytd only) | 14.5455% | 466 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 4,945 |
| Assets per employee ($millions) | 3.5801% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6712% | 7,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 5,917 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.8334% | 5,183 |
| Net loans and leases to deposits | 69.6936% | 6,009 |
| Net loans and leases to core deposits | 98.3474% | 4,709 |
| Total domestic deposits to total assets | 90.1567% | 726 |
| Equity capital to assets | 8.6506% | 5,842 |
| Core capital (leverage) ratio | 8.5679% | 5,397 |
| Tier 1 risk-based capital ratio | 11.6251% | 5,273 |
| Total risk-based capital ratio | 12.1844% | 5,868 |
| Memoranda: |
| Average total assets | $36,871,000 | 7,386 |
| Average earning assets | $34,678,500 | 7,320 |
| Average equity | $3,025,000 | 7,775 |
| Average total loans | $23,942,000 | 7,134 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5572% | 7,182 |
| Cost of funding earning assets | 2.5996% | 3,684 |
| Net interest margin | 2.9576% | 7,012 |
| Noninterest income to average assets | 0.9721% | 1,683 |
| Noninterest expense to average assets | 2.5770% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1745% | 1,859 |
| Return on assets (ROA) | 1.1745% | 1,786 |
| Pretax return on assets | 1.1745% | 2,743 |
| Return on Equity (ROE) | 13.8861% | 1,132 |
| Retained earnings to average equity (ytd only) | 3.5052% | 2,958 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6930% | 4,596 |
| Assets per employee ($millions) | 3.7941% | 3,971 |
| Cash dividends to net income (ytd only)* | 74.7573% | 1,953 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6023% | 7,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 5,736 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.1158% | 4,826 |
| Net loans and leases to deposits | 77.0945% | 5,458 |
| Net loans and leases to core deposits | 108.6354% | 3,895 |
| Total domestic deposits to total assets | 85.7595% | 2,512 |
| Equity capital to assets | 7.7831% | 7,118 |
| Core capital (leverage) ratio | 8.2294% | 6,108 |
| Tier 1 risk-based capital ratio | 10.2264% | 6,495 |
| Total risk-based capital ratio | 10.7362% | 7,244 |
| Memoranda: |
| Average total assets | $35,079,400 | 7,420 |
| Average earning assets | $32,966,200 | 7,375 |
| Average equity | $2,967,000 | 7,845 |
| Average total loans | $21,406,600 | 7,237 |
