Home > Carson Community Bank > Performance and Condition Ratios
Carson Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2139% | 481 |
| Cost of funding earning assets | 1.3649% | 2,320 |
| Net interest margin | 4.8490% | 392 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.9153% | 390 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.1518% | 1,779 |
| Return on assets (ROA) | 1.1518% | 1,747 |
| Pretax return on assets | 1.1518% | 2,255 |
| Return on Equity (ROE) | 24.3200% | 339 |
| Retained earnings to average equity (ytd only) | -2.5912% | 4,301 |
| Net charge-offs to loans | 0.0190% | 1,975 |
| Credit loss provision to net charge-offs | 1,842.1053% | 245 |
| Earnings coverage of net charge-offs (x) | 116.2105% | 835 |
| Efficiency ratio | 74.0967% | 1,450 |
| Assets per employee ($millions) | 3.1888% | 4,355 |
| Cash dividends to net income (ytd only)* | 110.6566% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 726 |
| Loan loss allowance to noncurrent loans | 214.4819% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 1,160 |
| Noncurrent loans to loans | 0.7761% | 1,003 |
| Net loans and leases to total assets | 61.2100% | 2,740 |
| Net loans and leases to deposits | 73.4315% | 2,658 |
| Net loans and leases to core deposits | 82.9762% | 2,526 |
| Total domestic deposits to total assets | 83.3500% | 2,795 |
| Equity capital to assets | 5.5061% | 4,335 |
| Core capital (leverage) ratio | 11.4837% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $161,314,400 | 3,267 |
| Average earning assets | $152,608,800 | 3,230 |
| Average equity | $7,641,200 | 3,976 |
| Average total loans | $100,187,000 | 3,173 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0342% | 510 |
| Cost of funding earning assets | 1.2999% | 2,148 |
| Net interest margin | 4.7343% | 440 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 3.8412% | 401 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.1078% | 2,031 |
| Return on assets (ROA) | 1.1078% | 2,010 |
| Pretax return on assets | 1.1078% | 2,548 |
| Return on Equity (ROE) | 24.4100% | 412 |
| Retained earnings to average equity (ytd only) | -13.0047% | 4,521 |
| Net charge-offs to loans | -0.3124% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.3005% | 1,417 |
| Assets per employee ($millions) | 2.9292% | 4,408 |
| Cash dividends to net income (ytd only)* | 153.2682% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 416 |
| Loan loss allowance to noncurrent loans | 129.6053% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 571 |
| Noncurrent loans to loans | 1.5195% | 475 |
| Net loans and leases to total assets | 60.8700% | 2,765 |
| Net loans and leases to deposits | 68.0219% | 2,977 |
| Net loans and leases to core deposits | 77.1599% | 2,786 |
| Total domestic deposits to total assets | 89.4800% | 1,078 |
| Equity capital to assets | 3.0328% | 4,489 |
| Core capital (leverage) ratio | 11.1962% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $160,188,750 | 3,291 |
| Average earning assets | $151,599,750 | 3,248 |
| Average equity | $7,269,000 | 4,015 |
| Average total loans | $99,432,000 | 3,183 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 547 |
| Cost of funding earning assets | 1.2311% | 1,900 |
| Net interest margin | 4.5871% | 545 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.7052% | 434 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 1.0157% | 2,379 |
| Return on assets (ROA) | 1.0157% | 2,369 |
| Pretax return on assets | 1.0157% | 2,870 |
| Return on Equity (ROE) | 20.1400% | 690 |
| Retained earnings to average equity (ytd only) | -12.6002% | 4,542 |
| Net charge-offs to loans | -0.1431% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.8235% | 1,574 |
| Assets per employee ($millions) | 2.9559% | 4,440 |
| Cash dividends to net income (ytd only)* | 162.5616% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 534 |
| Loan loss allowance to noncurrent loans | 115.4534% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 482 |
| Noncurrent loans to loans | 1.6137% | 403 |
| Net loans and leases to total assets | 59.6700% | 2,802 |
| Net loans and leases to deposits | 69.9567% | 2,790 |
| Net loans and leases to core deposits | 81.1470% | 2,400 |
| Total domestic deposits to total assets | 85.2900% | 2,463 |
| Equity capital to assets | 5.0107% | 4,379 |
| Core capital (leverage) ratio | 11.2703% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $159,882,667 | 3,298 |
| Average earning assets | $151,250,000 | 3,260 |
| Average equity | $8,063,333 | 3,947 |
| Average total loans | $99,232,333 | 3,181 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5841% | 545 |
| Cost of funding earning assets | 1.1917% | 1,477 |
| Net interest margin | 4.3924% | 691 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.7547% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9649% | 2,639 |
| Return on assets (ROA) | 0.9649% | 2,600 |
| Pretax return on assets | 0.9649% | 3,089 |
| Return on Equity (ROE) | 19.0700% | 879 |
| Retained earnings to average equity (ytd only) | -25.3953% | 4,624 |
| Net charge-offs to loans | -0.0678% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5551% | 870 |
| Assets per employee ($millions) | 2.8185% | 4,518 |
| Cash dividends to net income (ytd only)* | 233.1606% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,618 |
| Loan loss allowance to noncurrent loans | 82.3460% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 379 |
| Noncurrent loans to loans | 1.7017% | 366 |
| Net loans and leases to total assets | 61.4900% | 2,513 |
| Net loans and leases to deposits | 69.7689% | 2,632 |
| Net loans and leases to core deposits | 78.9083% | 2,324 |
| Total domestic deposits to total assets | 88.1400% | 1,882 |
| Equity capital to assets | 5.1278% | 4,400 |
| Core capital (leverage) ratio | 11.1564% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $160,014,500 | 3,340 |
| Average earning assets | $151,717,000 | 3,302 |
| Average equity | $8,096,000 | 3,992 |
| Average total loans | $100,325,000 | 3,212 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 207 |
| Cost of funding earning assets | 0.5200% | 1,267 |
| Net interest margin | 4.7301% | 193 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 3.2249% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7359% | 504 |
| Return on assets (ROA) | 1.4337% | 1,006 |
| Pretax return on assets | 1.4337% | 1,681 |
| Return on Equity (ROE) | 22.6100% | 297 |
| Retained earnings to average equity (ytd only) | 1.5149% | 4,097 |
| Net charge-offs to loans | -0.0060% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0080% | 2,363 |
| Assets per employee ($millions) | 3.1250% | 4,507 |
| Cash dividends to net income (ytd only)* | 93.2994% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,569 |
| Loan loss allowance to noncurrent loans | 62.4775% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 245 |
| Noncurrent loans to loans | 2.2099% | 230 |
| Net loans and leases to total assets | 62.1600% | 2,418 |
| Net loans and leases to deposits | 71.3353% | 2,464 |
| Net loans and leases to core deposits | 80.7856% | 2,089 |
| Total domestic deposits to total assets | 87.1400% | 2,355 |
| Equity capital to assets | 4.9908% | 4,366 |
| Core capital (leverage) ratio | 11.6845% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $164,468,800 | 3,311 |
| Average earning assets | $155,579,600 | 3,275 |
| Average equity | $10,429,400 | 3,821 |
| Average total loans | $99,425,200 | 3,159 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 127 |
| Cost of funding earning assets | 0.4161% | 1,186 |
| Net interest margin | 4.9638% | 125 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.2451% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9741% | 298 |
| Return on assets (ROA) | 1.9443% | 313 |
| Pretax return on assets | 1.9443% | 524 |
| Return on Equity (ROE) | 29.1700% | 110 |
| Retained earnings to average equity (ytd only) | 5.0323% | 3,089 |
| Net charge-offs to loans | -0.1425% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1763% | 2,807 |
| Assets per employee ($millions) | 3.2000% | 4,539 |
| Cash dividends to net income (ytd only)* | 82.7472% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,383 |
| Loan loss allowance to noncurrent loans | 108.2242% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 573 |
| Noncurrent loans to loans | 1.3581% | 536 |
| Net loans and leases to total assets | 62.3000% | 2,253 |
| Net loans and leases to deposits | 72.7682% | 2,149 |
| Net loans and leases to core deposits | 79.1022% | 1,964 |
| Total domestic deposits to total assets | 85.6200% | 3,150 |
| Equity capital to assets | 4.1725% | 4,456 |
| Core capital (leverage) ratio | 11.4610% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $165,742,500 | 3,325 |
| Average earning assets | $156,704,000 | 3,294 |
| Average equity | $11,048,250 | 3,804 |
| Average total loans | $99,167,500 | 3,166 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4267% | 109 |
| Cost of funding earning assets | 0.3654% | 1,149 |
| Net interest margin | 5.0613% | 101 |
| Noninterest income to average assets | 0.5034% | 2,182 |
| Noninterest expense to average assets | 3.2650% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0303% | 219 |
| Return on assets (ROA) | 1.9862% | 236 |
| Pretax return on assets | 1.9862% | 394 |
| Return on Equity (ROE) | 26.6279% | 91 |
| Retained earnings to average equity (ytd only) | 7.4366% | 1,836 |
| Net charge-offs to loans | -0.1279% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6580% | 3,083 |
| Assets per employee ($millions) | 3.4501% | 4,560 |
| Cash dividends to net income (ytd only)* | 72.0721% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,645 |
| Loan loss allowance to noncurrent loans | 93.1569% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 525 |
| Noncurrent loans to loans | 1.5325% | 484 |
| Net loans and leases to total assets | 60.1632% | 2,307 |
| Net loans and leases to deposits | 69.1788% | 2,286 |
| Net loans and leases to core deposits | 75.8477% | 2,029 |
| Total domestic deposits to total assets | 86.9676% | 2,949 |
| Equity capital to assets | 6.0476% | 4,186 |
| Core capital (leverage) ratio | 11.0289% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,656,333 | 3,350 |
| Average earning assets | $158,734,333 | 3,323 |
| Average equity | $12,505,667 | 3,734 |
| Average total loans | $98,500,000 | 3,205 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 102 |
| Cost of funding earning assets | 0.3281% | 1,396 |
| Net interest margin | 5.0680% | 93 |
| Noninterest income to average assets | 0.4790% | 2,243 |
| Noninterest expense to average assets | 3.4099% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9042% | 268 |
| Return on assets (ROA) | 1.9042% | 267 |
| Pretax return on assets | 1.9042% | 441 |
| Return on Equity (ROE) | 23.3583% | 114 |
| Retained earnings to average equity (ytd only) | 11.7228% | 645 |
| Net charge-offs to loans | -0.0617% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1678% | 3,005 |
| Assets per employee ($millions) | 3.5765% | 4,533 |
| Cash dividends to net income (ytd only)* | 49.8132% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,844 |
| Loan loss allowance to noncurrent loans | 77.5987% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 449 |
| Noncurrent loans to loans | 1.8266% | 415 |
| Net loans and leases to total assets | 57.7616% | 2,322 |
| Net loans and leases to deposits | 69.2378% | 2,033 |
| Net loans and leases to core deposits | 75.9932% | 1,782 |
| Total domestic deposits to total assets | 83.4249% | 3,875 |
| Equity capital to assets | 6.7450% | 4,322 |
| Core capital (leverage) ratio | 9.3011% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,683,000 | 3,359 |
| Average earning assets | $160,932,000 | 3,318 |
| Average equity | $13,751,000 | 3,680 |
| Average total loans | $97,212,500 | 3,228 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 230 |
| Cost of funding earning assets | 0.4054% | 1,509 |
| Net interest margin | 4.7011% | 208 |
| Noninterest income to average assets | 0.4610% | 2,760 |
| Noninterest expense to average assets | 3.0394% | 931 |
| Loan and lease loss provision to assets | 0.1176% | 1,068 |
| Net operating income to assets | 1.7564% | 563 |
| Return on assets (ROA) | 1.6488% | 744 |
| Pretax return on assets | 1.6488% | 1,277 |
| Return on Equity (ROE) | 16.8737% | 610 |
| Retained earnings to average equity (ytd only) | 1.3480% | 4,163 |
| Net charge-offs to loans | -0.1049% | 4,595 |
| Credit loss provision to net charge-offs | -192.3077% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8597% | 2,889 |
| Assets per employee ($millions) | 3.5245% | 4,580 |
| Cash dividends to net income (ytd only)* | 92.0114% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 1,428 |
| Loan loss allowance to noncurrent loans | 370.1754% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,379 |
| Noncurrent loans to loans | 0.4159% | 2,109 |
| Net loans and leases to total assets | 55.8342% | 2,641 |
| Net loans and leases to deposits | 67.5784% | 2,344 |
| Net loans and leases to core deposits | 74.8892% | 2,008 |
| Total domestic deposits to total assets | 82.6214% | 3,879 |
| Equity capital to assets | 9.4979% | 3,151 |
| Core capital (leverage) ratio | 9.2061% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,064,400 | 3,303 |
| Average earning assets | $161,069,800 | 3,268 |
| Average equity | $16,617,600 | 3,492 |
| Average total loans | $99,129,200 | 3,208 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 272 |
| Cost of funding earning assets | 0.4265% | 1,506 |
| Net interest margin | 4.6271% | 251 |
| Noninterest income to average assets | 0.4515% | 2,830 |
| Noninterest expense to average assets | 3.5079% | 455 |
| Loan and lease loss provision to assets | 0.1570% | 702 |
| Net operating income to assets | 1.1586% | 2,330 |
| Return on assets (ROA) | 1.1586% | 2,389 |
| Pretax return on assets | 1.1586% | 3,049 |
| Return on Equity (ROE) | 11.9036% | 2,082 |
| Retained earnings to average equity (ytd only) | 2.7222% | 3,994 |
| Net charge-offs to loans | -1.5331% | 4,869 |
| Credit loss provision to net charge-offs | -17.4064% | 3,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7288% | 1,340 |
| Assets per employee ($millions) | 3.4440% | 4,660 |
| Cash dividends to net income (ytd only)* | 77.1313% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6148% | 240 |
| Loan loss allowance to noncurrent loans | 205.6235% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 1,011 |
| Noncurrent loans to loans | 1.2716% | 865 |
| Net loans and leases to total assets | 55.6825% | 2,765 |
| Net loans and leases to deposits | 68.0733% | 2,428 |
| Net loans and leases to core deposits | 75.3810% | 2,109 |
| Total domestic deposits to total assets | 81.7979% | 3,963 |
| Equity capital to assets | 9.5879% | 3,300 |
| Core capital (leverage) ratio | 9.3850% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,086,750 | 3,335 |
| Average earning assets | $160,700,750 | 3,301 |
| Average equity | $16,554,750 | 3,547 |
| Average total loans | $99,928,000 | 3,239 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 678 |
| Cost of funding earning assets | 0.4427% | 1,572 |
| Net interest margin | 4.1039% | 688 |
| Noninterest income to average assets | 0.4246% | 2,981 |
| Noninterest expense to average assets | 2.7162% | 1,548 |
| Loan and lease loss provision to assets | 0.2346% | 430 |
| Net operating income to assets | 1.3440% | 1,732 |
| Return on assets (ROA) | 1.3440% | 1,809 |
| Pretax return on assets | 1.3440% | 2,504 |
| Return on Equity (ROE) | 13.7413% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.7460% | 2,172 |
| Net charge-offs to loans | 0.0317% | 1,335 |
| Credit loss provision to net charge-offs | 1,250.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 84.1250% | 818 |
| Efficiency ratio | 63.2441% | 2,533 |
| Assets per employee ($millions) | 3.6768% | 4,609 |
| Cash dividends to net income (ytd only)* | 43.6300% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,426 |
| Loan loss allowance to noncurrent loans | 100.9673% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 1,080 |
| Noncurrent loans to loans | 1.2894% | 912 |
| Net loans and leases to total assets | 58.2895% | 2,634 |
| Net loans and leases to deposits | 72.4337% | 2,172 |
| Net loans and leases to core deposits | 79.3420% | 1,936 |
| Total domestic deposits to total assets | 80.4729% | 4,158 |
| Equity capital to assets | 9.6018% | 3,250 |
| Core capital (leverage) ratio | 9.4245% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,530,667 | 3,332 |
| Average earning assets | $160,824,333 | 3,299 |
| Average equity | $16,679,667 | 3,545 |
| Average total loans | $101,074,000 | 3,240 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 772 |
| Cost of funding earning assets | 0.4676% | 1,605 |
| Net interest margin | 4.0356% | 802 |
| Noninterest income to average assets | 0.4035% | 3,071 |
| Noninterest expense to average assets | 3.0295% | 948 |
| Loan and lease loss provision to assets | 0.4775% | 145 |
| Net operating income to assets | 0.6875% | 3,738 |
| Return on assets (ROA) | 0.6875% | 3,806 |
| Pretax return on assets | 0.6875% | 4,043 |
| Return on Equity (ROE) | 6.9622% | 3,616 |
| Retained earnings to average equity (ytd only) | -2.7075% | 4,589 |
| Net charge-offs to loans | 0.0804% | 794 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 24.4000% | 1,178 |
| Efficiency ratio | 72.2254% | 1,472 |
| Assets per employee ($millions) | 3.5163% | 4,685 |
| Cash dividends to net income (ytd only)* | 138.8889% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,314 |
| Loan loss allowance to noncurrent loans | 106.3679% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 1,249 |
| Noncurrent loans to loans | 1.2473% | 1,048 |
| Net loans and leases to total assets | 58.4031% | 2,756 |
| Net loans and leases to deposits | 72.9691% | 2,219 |
| Net loans and leases to core deposits | 80.7835% | 1,935 |
| Total domestic deposits to total assets | 80.0382% | 4,198 |
| Equity capital to assets | 9.1353% | 3,556 |
| Core capital (leverage) ratio | 9.2513% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,552,000 | 3,361 |
| Average earning assets | $157,398,000 | 3,336 |
| Average equity | $16,546,500 | 3,554 |
| Average total loans | $99,495,500 | 3,268 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 256 |
| Cost of funding earning assets | 0.6585% | 1,942 |
| Net interest margin | 4.6585% | 237 |
| Noninterest income to average assets | 0.4930% | 2,664 |
| Noninterest expense to average assets | 3.2041% | 1,051 |
| Loan and lease loss provision to assets | 0.3715% | 884 |
| Net operating income to assets | 1.2610% | 1,358 |
| Return on assets (ROA) | 1.2610% | 1,463 |
| Pretax return on assets | 1.2610% | 2,115 |
| Return on Equity (ROE) | 10.6728% | 1,753 |
| Retained earnings to average equity (ytd only) | -6.5283% | 4,863 |
| Net charge-offs to loans | 0.4920% | 325 |
| Credit loss provision to net charge-offs | 116.0338% | 2,676 |
| Earnings coverage of net charge-offs (x) | 5.0992% | 2,902 |
| Efficiency ratio | 66.2477% | 2,494 |
| Assets per employee ($millions) | 3.5392% | 4,636 |
| Cash dividends to net income (ytd only)* | 161.1676% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,892 |
| Loan loss allowance to noncurrent loans | 72.0074% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 950 |
| Noncurrent loans to loans | 1.6792% | 770 |
| Net loans and leases to total assets | 58.8661% | 2,998 |
| Net loans and leases to deposits | 76.7580% | 2,204 |
| Net loans and leases to core deposits | 85.9856% | 1,870 |
| Total domestic deposits to total assets | 76.6905% | 4,452 |
| Equity capital to assets | 10.6588% | 2,555 |
| Core capital (leverage) ratio | 9.8876% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,059,000 | 3,423 |
| Average earning assets | $138,048,400 | 3,408 |
| Average equity | $17,493,000 | 3,419 |
| Average total loans | $96,345,000 | 3,290 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 165 |
| Cost of funding earning assets | 0.7064% | 1,993 |
| Net interest margin | 4.9538% | 150 |
| Noninterest income to average assets | 0.5153% | 2,544 |
| Noninterest expense to average assets | 3.2369% | 1,006 |
| Loan and lease loss provision to assets | 0.5077% | 570 |
| Net operating income to assets | 1.3880% | 1,129 |
| Return on assets (ROA) | 1.3880% | 1,224 |
| Pretax return on assets | 1.3880% | 1,772 |
| Return on Equity (ROE) | 11.4328% | 1,536 |
| Retained earnings to average equity (ytd only) | -2.9362% | 4,772 |
| Net charge-offs to loans | 0.4672% | 319 |
| Credit loss provision to net charge-offs | 163.2047% | 2,251 |
| Earnings coverage of net charge-offs (x) | 6.0920% | 2,678 |
| Efficiency ratio | 63.0623% | 2,905 |
| Assets per employee ($millions) | 3.4928% | 4,667 |
| Cash dividends to net income (ytd only)* | 125.6820% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,133 |
| Loan loss allowance to noncurrent loans | 132.5911% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 1,854 |
| Noncurrent loans to loans | 0.9847% | 1,521 |
| Net loans and leases to total assets | 63.0013% | 2,887 |
| Net loans and leases to deposits | 82.2710% | 2,067 |
| Net loans and leases to core deposits | 92.3515% | 1,763 |
| Total domestic deposits to total assets | 76.5778% | 4,374 |
| Equity capital to assets | 11.5183% | 1,994 |
| Core capital (leverage) ratio | 10.5546% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,372,500 | 3,454 |
| Average earning assets | $134,573,500 | 3,438 |
| Average equity | $17,528,000 | 3,416 |
| Average total loans | $96,178,750 | 3,299 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8828% | 167 |
| Cost of funding earning assets | 0.7728% | 1,976 |
| Net interest margin | 5.1101% | 165 |
| Noninterest income to average assets | 0.5453% | 2,373 |
| Noninterest expense to average assets | 3.4660% | 776 |
| Loan and lease loss provision to assets | 0.5353% | 637 |
| Net operating income to assets | 1.2733% | 1,427 |
| Return on assets (ROA) | 1.2733% | 1,548 |
| Pretax return on assets | 1.2733% | 2,122 |
| Return on Equity (ROE) | 10.2907% | 1,887 |
| Retained earnings to average equity (ytd only) | -4.1186% | 4,733 |
| Net charge-offs to loans | 0.0570% | 1,684 |
| Credit loss provision to net charge-offs | 1,388.8889% | 634 |
| Earnings coverage of net charge-offs (x) | 46.9259% | 1,150 |
| Efficiency ratio | 65.7104% | 2,564 |
| Assets per employee ($millions) | 3.7264% | 4,529 |
| Cash dividends to net income (ytd only)* | 140.0224% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,366 |
| Loan loss allowance to noncurrent loans | 253.9543% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 2,874 |
| Noncurrent loans to loans | 0.5774% | 2,417 |
| Net loans and leases to total assets | 60.5984% | 3,256 |
| Net loans and leases to deposits | 80.7338% | 2,346 |
| Net loans and leases to core deposits | 90.6258% | 2,019 |
| Total domestic deposits to total assets | 75.0594% | 4,514 |
| Equity capital to assets | 11.1622% | 2,200 |
| Core capital (leverage) ratio | 10.7314% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,104,667 | 3,481 |
| Average earning assets | $129,665,667 | 3,479 |
| Average equity | $17,336,000 | 3,430 |
| Average total loans | $94,794,000 | 3,319 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3379% | 102 |
| Cost of funding earning assets | 0.8964% | 1,887 |
| Net interest margin | 5.4415% | 96 |
| Noninterest income to average assets | 0.6995% | 1,651 |
| Noninterest expense to average assets | 3.6113% | 805 |
| Loan and lease loss provision to assets | 1.1555% | 167 |
| Net operating income to assets | 0.9829% | 2,234 |
| Return on assets (ROA) | 0.9829% | 2,337 |
| Pretax return on assets | 0.9829% | 2,895 |
| Return on Equity (ROE) | 7.5788% | 2,697 |
| Retained earnings to average equity (ytd only) | -0.0238% | 3,996 |
| Net charge-offs to loans | 0.4865% | 298 |
| Credit loss provision to net charge-offs | 331.8584% | 1,111 |
| Earnings coverage of net charge-offs (x) | 6.1416% | 2,004 |
| Efficiency ratio | 62.8081% | 3,400 |
| Assets per employee ($millions) | 2.9715% | 4,812 |
| Cash dividends to net income (ytd only)* | 100.3135% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,419 |
| Loan loss allowance to noncurrent loans | 194.5559% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 2,353 |
| Noncurrent loans to loans | 0.7597% | 2,100 |
| Net loans and leases to total assets | 70.8399% | 2,111 |
| Net loans and leases to deposits | 84.6227% | 2,150 |
| Net loans and leases to core deposits | 94.4626% | 1,927 |
| Total domestic deposits to total assets | 83.7126% | 2,877 |
| Equity capital to assets | 13.1983% | 1,341 |
| Core capital (leverage) ratio | 12.3401% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,814,000 | 3,586 |
| Average earning assets | $120,481,500 | 3,574 |
| Average equity | $16,836,500 | 3,486 |
| Average total loans | $92,918,000 | 3,342 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6066% | 96 |
| Cost of funding earning assets | 1.0914% | 1,360 |
| Net interest margin | 5.5151% | 112 |
| Noninterest income to average assets | 1.1556% | 701 |
| Noninterest expense to average assets | 3.5236% | 933 |
| Loan and lease loss provision to assets | 0.5331% | 235 |
| Net operating income to assets | 2.1991% | 222 |
| Return on assets (ROA) | 2.3633% | 176 |
| Pretax return on assets | 2.3633% | 266 |
| Return on Equity (ROE) | 18.5633% | 299 |
| Retained earnings to average equity (ytd only) | 1.6198% | 4,155 |
| Net charge-offs to loans | 0.7149% | 232 |
| Credit loss provision to net charge-offs | 102.2388% | 2,422 |
| Earnings coverage of net charge-offs (x) | 5.2403% | 3,114 |
| Efficiency ratio | 56.3254% | 4,169 |
| Assets per employee ($millions) | 3.1394% | 4,740 |
| Cash dividends to net income (ytd only)* | 91.2743% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,602 |
| Loan loss allowance to noncurrent loans | 126.9676% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 1,947 |
| Noncurrent loans to loans | 0.9195% | 1,672 |
| Net loans and leases to total assets | 70.4309% | 2,324 |
| Net loans and leases to deposits | 85.6737% | 2,138 |
| Net loans and leases to core deposits | 95.7460% | 1,922 |
| Total domestic deposits to total assets | 82.2084% | 3,453 |
| Equity capital to assets | 12.7482% | 1,677 |
| Core capital (leverage) ratio | 12.4560% | 1,510 |
| Tier 1 risk-based capital ratio | 15.6775% | 2,513 |
| Total risk-based capital ratio | 16.7536% | 2,511 |
| Memoranda: | ||
| Average total assets | $128,504,800 | 3,584 |
| Average earning assets | $118,836,600 | 3,577 |
| Average equity | $16,360,200 | 3,511 |
| Average total loans | $93,717,800 | 3,327 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9018% | 75 |
| Cost of funding earning assets | 1.2885% | 814 |
| Net interest margin | 5.6134% | 98 |
| Noninterest income to average assets | 1.0587% | 819 |
| Noninterest expense to average assets | 3.8197% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4462% | 178 |
| Return on assets (ROA) | 2.5437% | 159 |
| Pretax return on assets | 2.5437% | 229 |
| Return on Equity (ROE) | 21.4635% | 181 |
| Retained earnings to average equity (ytd only) | -5.9007% | 5,083 |
| Net charge-offs to loans | -0.1199% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9604% | 3,483 |
| Assets per employee ($millions) | 2.4473% | 5,086 |
| Cash dividends to net income (ytd only)* | 127.4920% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,906 |
| Loan loss allowance to noncurrent loans | 83.7413% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 946 |
| Noncurrent loans to loans | 1.5698% | 944 |
| Net loans and leases to total assets | 77.3324% | 1,257 |
| Net loans and leases to deposits | 95.5009% | 1,072 |
| Net loans and leases to core deposits | 121.8626% | 475 |
| Total domestic deposits to total assets | 80.9755% | 3,765 |
| Equity capital to assets | 12.2973% | 2,042 |
| Core capital (leverage) ratio | 11.3937% | 2,309 |
| Tier 1 risk-based capital ratio | 12.7336% | 4,007 |
| Total risk-based capital ratio | 13.8608% | 3,951 |
| Memoranda: | ||
| Average total assets | $47,856,000 | 4,854 |
| Average earning assets | $44,393,000 | 4,846 |
| Average equity | $5,671,500 | 4,863 |
| Average total loans | $35,593,500 | 4,574 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9330% | 74 |
| Cost of funding earning assets | 1.2741% | 807 |
| Net interest margin | 5.6590% | 95 |
| Noninterest income to average assets | 1.0433% | 794 |
| Noninterest expense to average assets | 3.8502% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3971% | 175 |
| Return on assets (ROA) | 2.3971% | 181 |
| Pretax return on assets | 2.3971% | 286 |
| Return on Equity (ROE) | 20.4738% | 225 |
| Retained earnings to average equity (ytd only) | -20.6860% | 5,253 |
| Net charge-offs to loans | -0.2435% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6302% | 3,488 |
| Assets per employee ($millions) | 2.5353% | 5,112 |
| Cash dividends to net income (ytd only)* | 201.0363% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,712 |
| Loan loss allowance to noncurrent loans | 183.1461% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 2,199 |
| Noncurrent loans to loans | 0.7515% | 2,106 |
| Net loans and leases to total assets | 72.7424% | 2,105 |
| Net loans and leases to deposits | 88.2486% | 1,973 |
| Net loans and leases to core deposits | 110.9142% | 925 |
| Total domestic deposits to total assets | 82.4289% | 3,391 |
| Equity capital to assets | 11.1563% | 2,901 |
| Core capital (leverage) ratio | 10.4463% | 3,145 |
| Tier 1 risk-based capital ratio | 13.3789% | 3,639 |
| Total risk-based capital ratio | 14.6289% | 3,542 |
| Memoranda: | ||
| Average total assets | $48,308,670 | 4,884 |
| Average earning assets | $44,425,000 | 4,886 |
| Average equity | $5,656,000 | 4,893 |
| Average total loans | $35,312,330 | 4,617 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7718% | 87 |
| Cost of funding earning assets | 1.2451% | 781 |
| Net interest margin | 5.5267% | 114 |
| Noninterest income to average assets | 0.9839% | 844 |
| Noninterest expense to average assets | 3.5553% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5301% | 151 |
| Return on assets (ROA) | 2.5301% | 160 |
| Pretax return on assets | 2.5301% | 230 |
| Return on Equity (ROE) | 21.1144% | 207 |
| Retained earnings to average equity (ytd only) | 3.4501% | 3,533 |
| Net charge-offs to loans | -0.4318% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4239% | 4,018 |
| Assets per employee ($millions) | 2.5786% | 5,161 |
| Cash dividends to net income (ytd only)* | 83.6601% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,643 |
| Loan loss allowance to noncurrent loans | 200.4132% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.8839% | 546 |
| Noncurrent loans to loans | 0.7035% | 2,265 |
| Net loans and leases to total assets | 69.2262% | 2,593 |
| Net loans and leases to deposits | 84.6567% | 2,306 |
| Net loans and leases to core deposits | 109.0196% | 981 |
| Total domestic deposits to total assets | 81.7729% | 3,784 |
| Equity capital to assets | 11.9854% | 2,030 |
| Core capital (leverage) ratio | 11.8988% | 1,827 |
| Tier 1 risk-based capital ratio | 14.3962% | 3,147 |
| Total risk-based capital ratio | 15.6186% | 3,090 |
| Memoranda: | ||
| Average total assets | $48,378,000 | 4,931 |
| Average earning assets | $44,656,000 | 4,931 |
| Average equity | $5,797,000 | 4,919 |
| Average total loans | $35,204,000 | 4,660 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4137% | 95 |
| Cost of funding earning assets | 0.7009% | 2,088 |
| Net interest margin | 5.7128% | 87 |
| Noninterest income to average assets | 1.1077% | 748 |
| Noninterest expense to average assets | 3.8610% | 633 |
| Loan and lease loss provision to assets | 0.2126% | 865 |
| Net operating income to assets | 2.3366% | 203 |
| Return on assets (ROA) | 2.2303% | 232 |
| Pretax return on assets | 2.2303% | 332 |
| Return on Equity (ROE) | 18.1544% | 375 |
| Retained earnings to average equity (ytd only) | -0.6750% | 5,061 |
| Net charge-offs to loans | -0.0720% | 5,073 |
| Credit loss provision to net charge-offs | -400.0000% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2322% | 3,818 |
| Assets per employee ($millions) | 2.3882% | 5,245 |
| Cash dividends to net income (ytd only)* | 103.7178% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,348 |
| Loan loss allowance to noncurrent loans | 140.5660% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 2,060 |
| Noncurrent loans to loans | 0.8832% | 1,821 |
| Net loans and leases to total assets | 74.4509% | 1,853 |
| Net loans and leases to deposits | 91.2473% | 1,639 |
| Net loans and leases to core deposits | 118.3637% | 607 |
| Total domestic deposits to total assets | 81.5924% | 3,762 |
| Equity capital to assets | 11.9800% | 1,912 |
| Core capital (leverage) ratio | 11.9258% | 1,786 |
| Tier 1 risk-based capital ratio | 14.5500% | 3,041 |
| Total risk-based capital ratio | 15.6987% | 2,995 |
| Memoranda: | ||
| Average total assets | $47,034,000 | 4,994 |
| Average earning assets | $43,656,400 | 4,981 |
| Average equity | $5,778,200 | 4,934 |
| Average total loans | $34,743,800 | 4,696 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3043% | 107 |
| Cost of funding earning assets | 0.6049% | 2,437 |
| Net interest margin | 5.6994% | 88 |
| Noninterest income to average assets | 1.0387% | 884 |
| Noninterest expense to average assets | 4.0296% | 509 |
| Loan and lease loss provision to assets | 0.2846% | 528 |
| Net operating income to assets | 2.0063% | 367 |
| Return on assets (ROA) | 2.0063% | 367 |
| Pretax return on assets | 2.0063% | 611 |
| Return on Equity (ROE) | 16.2282% | 660 |
| Retained earnings to average equity (ytd only) | -2.9234% | 5,246 |
| Net charge-offs to loans | -0.0658% | 5,035 |
| Credit loss provision to net charge-offs | -588.2353% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7551% | 3,225 |
| Assets per employee ($millions) | 2.3000% | 5,334 |
| Cash dividends to net income (ytd only)* | 118.0142% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,245 |
| Loan loss allowance to noncurrent loans | 165.6604% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 2,454 |
| Noncurrent loans to loans | 0.7680% | 2,167 |
| Net loans and leases to total assets | 74.0581% | 1,971 |
| Net loans and leases to deposits | 90.2458% | 1,865 |
| Net loans and leases to core deposits | 105.0706% | 1,373 |
| Total domestic deposits to total assets | 82.0627% | 3,590 |
| Equity capital to assets | 12.1459% | 1,806 |
| Core capital (leverage) ratio | 12.1466% | 1,698 |
| Tier 1 risk-based capital ratio | 14.7438% | 2,996 |
| Total risk-based capital ratio | 15.9052% | 2,969 |
| Memoranda: | ||
| Average total assets | $46,851,750 | 5,052 |
| Average earning assets | $43,418,750 | 5,041 |
| Average equity | $5,792,250 | 4,979 |
| Average total loans | $34,428,000 | 4,753 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2810% | 100 |
| Cost of funding earning assets | 0.5486% | 2,623 |
| Net interest margin | 5.7324% | 85 |
| Noninterest income to average assets | 1.0268% | 914 |
| Noninterest expense to average assets | 3.7551% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.5925% | 130 |
| Return on assets (ROA) | 2.5925% | 131 |
| Pretax return on assets | 2.5925% | 193 |
| Return on Equity (ROE) | 20.8509% | 212 |
| Retained earnings to average equity (ytd only) | 3.3785% | 3,889 |
| Net charge-offs to loans | -0.0814% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1578% | 4,061 |
| Assets per employee ($millions) | 2.1154% | 5,432 |
| Cash dividends to net income (ytd only)* | 83.7971% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,959 |
| Loan loss allowance to noncurrent loans | 284.7458% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,748 |
| Noncurrent loans to loans | 0.3439% | 3,462 |
| Net loans and leases to total assets | 72.9984% | 2,115 |
| Net loans and leases to deposits | 96.2189% | 1,114 |
| Net loans and leases to core deposits | 107.5404% | 1,151 |
| Total domestic deposits to total assets | 75.8670% | 4,866 |
| Equity capital to assets | 12.5360% | 1,517 |
| Core capital (leverage) ratio | 12.5495% | 1,411 |
| Tier 1 risk-based capital ratio | 15.4182% | 2,679 |
| Total risk-based capital ratio | 16.3117% | 2,773 |
| Memoranda: | ||
| Average total assets | $47,136,000 | 5,106 |
| Average earning assets | $43,751,000 | 5,095 |
| Average equity | $5,860,670 | 5,021 |
| Average total loans | $34,402,330 | 4,799 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9629% | 143 |
| Cost of funding earning assets | 0.5232% | 2,604 |
| Net interest margin | 5.4397% | 117 |
| Noninterest income to average assets | 0.9866% | 939 |
| Noninterest expense to average assets | 3.6429% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4286% | 164 |
| Return on assets (ROA) | 2.4286% | 167 |
| Pretax return on assets | 2.4286% | 252 |
| Return on Equity (ROE) | 19.6118% | 278 |
| Retained earnings to average equity (ytd only) | 2.1791% | 4,294 |
| Net charge-offs to loans | -0.0697% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 4,066 |
| Assets per employee ($millions) | 2.2468% | 5,463 |
| Cash dividends to net income (ytd only)* | 88.8889% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,176 |
| Loan loss allowance to noncurrent loans | 42.4321% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.6383% | 820 |
| Noncurrent loans to loans | 2.2608% | 653 |
| Net loans and leases to total assets | 71.7716% | 2,208 |
| Net loans and leases to deposits | 97.7231% | 887 |
| Net loans and leases to core deposits | 104.0528% | 1,372 |
| Total domestic deposits to total assets | 73.4438% | 5,201 |
| Equity capital to assets | 12.3561% | 1,572 |
| Core capital (leverage) ratio | 12.1719% | 1,547 |
| Tier 1 risk-based capital ratio | 14.9872% | 2,869 |
| Total risk-based capital ratio | 15.8448% | 2,976 |
| Memoranda: | ||
| Average total assets | $47,435,000 | 5,155 |
| Average earning assets | $44,340,500 | 5,146 |
| Average equity | $5,874,000 | 5,074 |
| Average total loans | $34,449,500 | 4,846 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8682% | 157 |
| Cost of funding earning assets | 0.3893% | 3,340 |
| Net interest margin | 5.4790% | 106 |
| Noninterest income to average assets | 1.1932% | 728 |
| Noninterest expense to average assets | 3.7717% | 720 |
| Loan and lease loss provision to assets | 0.7349% | 166 |
| Net operating income to assets | 1.8288% | 391 |
| Return on assets (ROA) | 1.9703% | 303 |
| Pretax return on assets | 1.9703% | 526 |
| Return on Equity (ROE) | 15.0532% | 602 |
| Retained earnings to average equity (ytd only) | -2.5008% | 5,317 |
| Net charge-offs to loans | 0.6254% | 361 |
| Credit loss provision to net charge-offs | 170.5882% | 1,584 |
| Earnings coverage of net charge-offs (x) | 5.9510% | 3,249 |
| Efficiency ratio | 59.5333% | 4,330 |
| Assets per employee ($millions) | 2.5098% | 5,455 |
| Cash dividends to net income (ytd only)* | 116.6131% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,327 |
| Loan loss allowance to noncurrent loans | 43.3962% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5560% | 860 |
| Noncurrent loans to loans | 2.1379% | 697 |
| Net loans and leases to total assets | 72.1056% | 2,223 |
| Net loans and leases to deposits | 96.6604% | 1,024 |
| Net loans and leases to core deposits | 102.7338% | 1,506 |
| Total domestic deposits to total assets | 74.5969% | 5,125 |
| Equity capital to assets | 12.4101% | 1,567 |
| Core capital (leverage) ratio | 12.2014% | 1,497 |
| Tier 1 risk-based capital ratio | 15.4880% | 2,633 |
| Total risk-based capital ratio | 16.3622% | 2,730 |
| Memoranda: | ||
| Average total assets | $47,352,600 | 5,205 |
| Average earning assets | $44,442,800 | 5,182 |
| Average equity | $6,198,000 | 5,066 |
| Average total loans | $32,620,400 | 4,941 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7536% | 174 |
| Cost of funding earning assets | 0.3605% | 3,557 |
| Net interest margin | 5.3930% | 124 |
| Noninterest income to average assets | 1.2157% | 709 |
| Noninterest expense to average assets | 3.4638% | 1,048 |
| Loan and lease loss provision to assets | 0.1354% | 1,598 |
| Net operating income to assets | 2.6796% | 107 |
| Return on assets (ROA) | 2.8686% | 93 |
| Pretax return on assets | 2.8686% | 129 |
| Return on Equity (ROE) | 21.6332% | 151 |
| Retained earnings to average equity (ytd only) | 5.2966% | 2,688 |
| Net charge-offs to loans | 0.0041% | 3,587 |
| Credit loss provision to net charge-offs | 4,800.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 1,000.4737% | 100 |
| Efficiency ratio | 55.1662% | 4,831 |
| Assets per employee ($millions) | 2.3911% | 5,553 |
| Cash dividends to net income (ytd only)* | 75.5157% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 5,194 |
| Loan loss allowance to noncurrent loans | 26.4706% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 787 |
| Noncurrent loans to loans | 2.5558% | 583 |
| Net loans and leases to total assets | 69.0763% | 2,682 |
| Net loans and leases to deposits | 94.9142% | 1,209 |
| Net loans and leases to core deposits | 101.0029% | 1,622 |
| Total domestic deposits to total assets | 72.7776% | 5,334 |
| Equity capital to assets | 13.5380% | 1,140 |
| Core capital (leverage) ratio | 12.9441% | 1,233 |
| Tier 1 risk-based capital ratio | 16.2312% | 2,406 |
| Total risk-based capital ratio | 16.8293% | 2,618 |
| Memoranda: | ||
| Average total assets | $47,269,000 | 5,263 |
| Average earning assets | $44,377,250 | 5,240 |
| Average equity | $6,268,000 | 5,117 |
| Average total loans | $32,098,750 | 5,013 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 162 |
| Cost of funding earning assets | 0.3274% | 3,826 |
| Net interest margin | 5.4805% | 104 |
| Noninterest income to average assets | 1.2611% | 653 |
| Noninterest expense to average assets | 3.5243% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.9256% | 86 |
| Return on assets (ROA) | 3.1634% | 74 |
| Pretax return on assets | 3.1634% | 106 |
| Return on Equity (ROE) | 23.9730% | 93 |
| Retained earnings to average equity (ytd only) | 7.4976% | 1,356 |
| Net charge-offs to loans | -0.0442% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6412% | 4,955 |
| Assets per employee ($millions) | 2.3801% | 5,598 |
| Cash dividends to net income (ytd only)* | 68.7248% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 5,450 |
| Loan loss allowance to noncurrent loans | 20.0436% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9285% | 679 |
| Noncurrent loans to loans | 2.7718% | 508 |
| Net loans and leases to total assets | 69.1883% | 2,637 |
| Net loans and leases to deposits | 90.4112% | 1,678 |
| Net loans and leases to core deposits | 96.6488% | 1,916 |
| Total domestic deposits to total assets | 76.5262% | 5,025 |
| Equity capital to assets | 13.6192% | 1,105 |
| Core capital (leverage) ratio | 12.7237% | 1,286 |
| Tier 1 risk-based capital ratio | 16.2298% | 2,418 |
| Total risk-based capital ratio | 16.7199% | 2,654 |
| Memoranda: | ||
| Average total assets | $47,101,000 | 5,306 |
| Average earning assets | $44,594,670 | 5,276 |
| Average equity | $6,215,330 | 5,158 |
| Average total loans | $31,651,000 | 5,060 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6841% | 183 |
| Cost of funding earning assets | 0.2959% | 4,090 |
| Net interest margin | 5.3883% | 121 |
| Noninterest income to average assets | 0.9733% | 1,050 |
| Noninterest expense to average assets | 3.6286% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4760% | 139 |
| Return on assets (ROA) | 2.5186% | 134 |
| Pretax return on assets | 2.5186% | 209 |
| Return on Equity (ROE) | 19.4031% | 259 |
| Retained earnings to average equity (ytd only) | 2.5652% | 4,111 |
| Net charge-offs to loans | -0.0776% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4406% | 4,538 |
| Assets per employee ($millions) | 2.4512% | 5,641 |
| Cash dividends to net income (ytd only)* | 86.7797% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 5,485 |
| Loan loss allowance to noncurrent loans | 15.0246% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 2.6152% | 426 |
| Noncurrent loans to loans | 3.9483% | 267 |
| Net loans and leases to total assets | 65.8450% | 2,995 |
| Net loans and leases to deposits | 83.8740% | 2,296 |
| Net loans and leases to core deposits | 89.6221% | 2,385 |
| Total domestic deposits to total assets | 78.5047% | 4,910 |
| Equity capital to assets | 13.3468% | 1,129 |
| Core capital (leverage) ratio | 12.9067% | 1,182 |
| Tier 1 risk-based capital ratio | 16.4356% | 2,387 |
| Total risk-based capital ratio | 16.9421% | 2,612 |
| Memoranda: | ||
| Average total assets | $46,850,500 | 5,373 |
| Average earning assets | $44,615,500 | 5,330 |
| Average equity | $6,081,500 | 5,224 |
| Average total loans | $30,917,000 | 5,131 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 335 |
| Cost of funding earning assets | 0.2876% | 4,194 |
| Net interest margin | 5.0487% | 228 |
| Noninterest income to average assets | 1.0799% | 968 |
| Noninterest expense to average assets | 3.5303% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3618% | 178 |
| Return on assets (ROA) | 2.5122% | 144 |
| Pretax return on assets | 2.5122% | 196 |
| Return on Equity (ROE) | 19.4374% | 240 |
| Retained earnings to average equity (ytd only) | 2.0888% | 4,348 |
| Net charge-offs to loans | 0.1210% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.9730% | 1,405 |
| Efficiency ratio | 59.9161% | 4,597 |
| Assets per employee ($millions) | 2.4804% | 5,666 |
| Cash dividends to net income (ytd only)* | 89.2535% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 5,575 |
| Loan loss allowance to noncurrent loans | 34.2360% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 1,704 |
| Noncurrent loans to loans | 1.6685% | 1,158 |
| Net loans and leases to total assets | 65.3709% | 3,162 |
| Net loans and leases to deposits | 79.1918% | 2,976 |
| Net loans and leases to core deposits | 89.1358% | 2,578 |
| Total domestic deposits to total assets | 82.5475% | 3,920 |
| Equity capital to assets | 12.6188% | 1,451 |
| Core capital (leverage) ratio | 12.5278% | 1,320 |
| Tier 1 risk-based capital ratio | 15.8096% | 2,625 |
| Total risk-based capital ratio | 16.2872% | 2,881 |
| Memoranda: | ||
| Average total assets | $48,523,000 | 5,375 |
| Average earning assets | $46,249,800 | 5,327 |
| Average equity | $6,271,400 | 5,236 |
| Average total loans | $30,579,800 | 5,172 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 469 |
| Cost of funding earning assets | 0.2804% | 4,290 |
| Net interest margin | 4.8497% | 330 |
| Noninterest income to average assets | 1.0340% | 1,064 |
| Noninterest expense to average assets | 3.3993% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2589% | 219 |
| Return on assets (ROA) | 2.3626% | 203 |
| Pretax return on assets | 2.3626% | 274 |
| Return on Equity (ROE) | 18.1762% | 345 |
| Retained earnings to average equity (ytd only) | 8.4375% | 1,001 |
| Net charge-offs to loans | -0.0569% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0771% | 4,529 |
| Assets per employee ($millions) | 2.6679% | 5,625 |
| Cash dividends to net income (ytd only)* | 53.5795% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 5,353 |
| Loan loss allowance to noncurrent loans | 29.9472% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 1,204 |
| Noncurrent loans to loans | 2.4471% | 725 |
| Net loans and leases to total assets | 60.6577% | 3,792 |
| Net loans and leases to deposits | 83.5430% | 2,537 |
| Net loans and leases to core deposits | 89.3551% | 2,637 |
| Total domestic deposits to total assets | 72.6066% | 5,555 |
| Equity capital to assets | 13.4856% | 1,253 |
| Core capital (leverage) ratio | 14.1606% | 808 |
| Tier 1 risk-based capital ratio | 19.3215% | 1,594 |
| Total risk-based capital ratio | 19.9595% | 1,703 |
| Memoranda: | ||
| Average total assets | $48,871,750 | 5,423 |
| Average earning assets | $46,600,000 | 5,370 |
| Average equity | $6,352,500 | 5,272 |
| Average total loans | $30,478,500 | 5,224 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 542 |
| Cost of funding earning assets | 0.2739% | 4,401 |
| Net interest margin | 4.7694% | 393 |
| Noninterest income to average assets | 1.0857% | 952 |
| Noninterest expense to average assets | 3.4932% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1382% | 251 |
| Return on assets (ROA) | 2.1050% | 292 |
| Pretax return on assets | 2.1050% | 466 |
| Return on Equity (ROE) | 16.4100% | 491 |
| Retained earnings to average equity (ytd only) | 7.1067% | 1,551 |
| Net charge-offs to loans | -0.0924% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0309% | 4,347 |
| Assets per employee ($millions) | 2.3484% | 5,847 |
| Cash dividends to net income (ytd only)* | 56.6929% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 5,436 |
| Loan loss allowance to noncurrent loans | 42.3006% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 1,938 |
| Noncurrent loans to loans | 1.7451% | 1,198 |
| Net loans and leases to total assets | 62.1672% | 3,609 |
| Net loans and leases to deposits | 79.7477% | 2,961 |
| Net loans and leases to core deposits | 84.8951% | 2,997 |
| Total domestic deposits to total assets | 77.9549% | 5,010 |
| Equity capital to assets | 13.1618% | 1,411 |
| Core capital (leverage) ratio | 13.1267% | 1,107 |
| Tier 1 risk-based capital ratio | 17.8667% | 1,972 |
| Total risk-based capital ratio | 18.5067% | 2,106 |
| Memoranda: | ||
| Average total assets | $48,265,330 | 5,497 |
| Average earning assets | $46,001,670 | 5,446 |
| Average equity | $6,191,330 | 5,353 |
| Average total loans | $30,313,000 | 5,284 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0046% | 575 |
| Cost of funding earning assets | 0.2634% | 4,569 |
| Net interest margin | 4.7412% | 398 |
| Noninterest income to average assets | 0.9719% | 1,146 |
| Noninterest expense to average assets | 3.5023% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9942% | 339 |
| Return on assets (ROA) | 2.0025% | 345 |
| Pretax return on assets | 2.0025% | 566 |
| Return on Equity (ROE) | 15.8239% | 555 |
| Retained earnings to average equity (ytd only) | 6.2898% | 2,238 |
| Net charge-offs to loans | -0.1465% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7195% | 4,167 |
| Assets per employee ($millions) | 2.5405% | 5,828 |
| Cash dividends to net income (ytd only)* | 60.2510% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 5,498 |
| Loan loss allowance to noncurrent loans | 65.5072% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 2,925 |
| Noncurrent loans to loans | 1.1449% | 2,117 |
| Net loans and leases to total assets | 61.9577% | 3,535 |
| Net loans and leases to deposits | 75.3933% | 3,289 |
| Net loans and leases to core deposits | 80.0894% | 3,308 |
| Total domestic deposits to total assets | 82.1794% | 4,162 |
| Equity capital to assets | 12.8444% | 1,485 |
| Core capital (leverage) ratio | 12.3296% | 1,418 |
| Tier 1 risk-based capital ratio | 16.0609% | 2,655 |
| Total risk-based capital ratio | 16.6841% | 2,892 |
| Memoranda: | ||
| Average total assets | $47,739,500 | 5,560 |
| Average earning assets | $45,558,500 | 5,507 |
| Average equity | $6,041,500 | 5,412 |
| Average total loans | $30,026,000 | 5,335 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 438 |
| Cost of funding earning assets | 0.2983% | 4,268 |
| Net interest margin | 4.8888% | 306 |
| Noninterest income to average assets | 1.0911% | 987 |
| Noninterest expense to average assets | 3.7224% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0458% | 323 |
| Return on assets (ROA) | 2.0647% | 322 |
| Pretax return on assets | 2.0647% | 472 |
| Return on Equity (ROE) | 16.2602% | 529 |
| Retained earnings to average equity (ytd only) | -2.9579% | 5,817 |
| Net charge-offs to loans | 0.1344% | 2,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.7805% | 1,709 |
| Efficiency ratio | 64.5326% | 4,160 |
| Assets per employee ($millions) | 2.3605% | 5,948 |
| Cash dividends to net income (ytd only)* | 118.1911% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 5,609 |
| Loan loss allowance to noncurrent loans | 55.5844% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 2,636 |
| Noncurrent loans to loans | 1.2868% | 1,827 |
| Net loans and leases to total assets | 62.9223% | 3,426 |
| Net loans and leases to deposits | 73.4345% | 3,560 |
| Net loans and leases to core deposits | 77.9066% | 3,556 |
| Total domestic deposits to total assets | 85.6849% | 2,778 |
| Equity capital to assets | 12.4616% | 1,644 |
| Core capital (leverage) ratio | 12.3475% | 1,428 |
| Tier 1 risk-based capital ratio | 16.9476% | 2,299 |
| Total risk-based capital ratio | 17.5806% | 2,513 |
| Memoranda: | ||
| Average total assets | $47,658,000 | 5,596 |
| Average earning assets | $45,594,200 | 5,541 |
| Average equity | $6,051,600 | 5,424 |
| Average total loans | $30,511,200 | 5,343 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 460 |
| Cost of funding earning assets | 0.3034% | 4,300 |
| Net interest margin | 4.8631% | 332 |
| Noninterest income to average assets | 1.0271% | 1,123 |
| Noninterest expense to average assets | 3.5084% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1715% | 274 |
| Return on assets (ROA) | 2.1966% | 272 |
| Pretax return on assets | 2.1966% | 416 |
| Return on Equity (ROE) | 17.2194% | 454 |
| Retained earnings to average equity (ytd only) | -3.3257% | 5,957 |
| Net charge-offs to loans | -0.0261% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7690% | 4,607 |
| Assets per employee ($millions) | 2.2387% | 6,074 |
| Cash dividends to net income (ytd only)* | 119.3136% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 5,300 |
| Loan loss allowance to noncurrent loans | 83.3866% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 3,156 |
| Noncurrent loans to loans | 1.0438% | 2,390 |
| Net loans and leases to total assets | 66.3912% | 2,948 |
| Net loans and leases to deposits | 78.7319% | 3,015 |
| Net loans and leases to core deposits | 83.8793% | 3,054 |
| Total domestic deposits to total assets | 84.3257% | 3,295 |
| Equity capital to assets | 13.4006% | 1,275 |
| Core capital (leverage) ratio | 12.3073% | 1,510 |
| Tier 1 risk-based capital ratio | 18.4644% | 1,911 |
| Total risk-based capital ratio | 19.3015% | 1,977 |
| Memoranda: | ||
| Average total assets | $47,770,250 | 5,664 |
| Average earning assets | $45,703,500 | 5,604 |
| Average equity | $6,093,750 | 5,483 |
| Average total loans | $30,659,250 | 5,399 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 574 |
| Cost of funding earning assets | 0.3080% | 4,313 |
| Net interest margin | 4.7134% | 433 |
| Noninterest income to average assets | 0.9842% | 1,212 |
| Noninterest expense to average assets | 3.2931% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2104% | 250 |
| Return on assets (ROA) | 2.3129% | 229 |
| Pretax return on assets | 2.3129% | 332 |
| Return on Equity (ROE) | 18.4163% | 383 |
| Retained earnings to average equity (ytd only) | -3.6571% | 5,954 |
| Net charge-offs to loans | -0.0259% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8361% | 5,008 |
| Assets per employee ($millions) | 2.3951% | 6,086 |
| Cash dividends to net income (ytd only)* | 119.8582% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 5,482 |
| Loan loss allowance to noncurrent loans | 114.6018% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 4,047 |
| Noncurrent loans to loans | 0.7375% | 3,265 |
| Net loans and leases to total assets | 63.4295% | 3,352 |
| Net loans and leases to deposits | 73.9288% | 3,499 |
| Net loans and leases to core deposits | 78.9379% | 3,489 |
| Total domestic deposits to total assets | 85.7981% | 2,798 |
| Equity capital to assets | 12.3878% | 1,736 |
| Core capital (leverage) ratio | 12.0022% | 1,660 |
| Tier 1 risk-based capital ratio | 17.8179% | 2,125 |
| Total risk-based capital ratio | 18.6142% | 2,226 |
| Memoranda: | ||
| Average total assets | $48,769,000 | 5,705 |
| Average earning assets | $46,760,000 | 5,641 |
| Average equity | $6,125,000 | 5,522 |
| Average total loans | $30,883,330 | 5,437 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 560 |
| Cost of funding earning assets | 0.3138% | 4,288 |
| Net interest margin | 4.7064% | 405 |
| Noninterest income to average assets | 1.0162% | 1,084 |
| Noninterest expense to average assets | 3.2275% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.3007% | 200 |
| Return on assets (ROA) | 2.5121% | 161 |
| Pretax return on assets | 2.5121% | 237 |
| Return on Equity (ROE) | 19.8698% | 273 |
| Retained earnings to average equity (ytd only) | -3.9225% | 5,853 |
| Net charge-offs to loans | -0.0903% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3824% | 5,294 |
| Assets per employee ($millions) | 2.3952% | 6,158 |
| Cash dividends to net income (ytd only)* | 119.7411% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 5,543 |
| Loan loss allowance to noncurrent loans | 122.4299% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 4,249 |
| Noncurrent loans to loans | 0.7009% | 3,525 |
| Net loans and leases to total assets | 63.1944% | 3,212 |
| Net loans and leases to deposits | 74.2762% | 3,272 |
| Net loans and leases to core deposits | 80.8936% | 3,067 |
| Total domestic deposits to total assets | 85.0803% | 3,365 |
| Equity capital to assets | 13.1077% | 1,344 |
| Core capital (leverage) ratio | 11.6850% | 1,862 |
| Tier 1 risk-based capital ratio | 18.6355% | 1,963 |
| Total risk-based capital ratio | 19.4704% | 2,034 |
| Memoranda: | ||
| Average total assets | $49,202,500 | 5,739 |
| Average earning assets | $47,170,000 | 5,676 |
| Average equity | $6,220,500 | 5,548 |
| Average total loans | $31,003,500 | 5,472 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 614 |
| Cost of funding earning assets | 0.3438% | 4,318 |
| Net interest margin | 4.7677% | 457 |
| Noninterest income to average assets | 1.1372% | 938 |
| Noninterest expense to average assets | 3.4818% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.2241% | 217 |
| Return on assets (ROA) | 2.3627% | 182 |
| Pretax return on assets | 2.3627% | 244 |
| Return on Equity (ROE) | 20.1487% | 245 |
| Retained earnings to average equity (ytd only) | 3.8379% | 3,485 |
| Net charge-offs to loans | 0.2105% | 1,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.7727% | 1,985 |
| Efficiency ratio | 61.0211% | 5,065 |
| Assets per employee ($millions) | 2.6580% | 6,055 |
| Cash dividends to net income (ytd only)* | 80.9524% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 5,746 |
| Loan loss allowance to noncurrent loans | 46.9613% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 2,595 |
| Noncurrent loans to loans | 1.7253% | 1,682 |
| Net loans and leases to total assets | 61.8154% | 3,530 |
| Net loans and leases to deposits | 74.8920% | 3,326 |
| Net loans and leases to core deposits | 79.8231% | 3,316 |
| Total domestic deposits to total assets | 82.5393% | 4,234 |
| Equity capital to assets | 12.2015% | 1,858 |
| Core capital (leverage) ratio | 11.7755% | 1,781 |
| Tier 1 risk-based capital ratio | 18.0105% | 2,131 |
| Total risk-based capital ratio | 18.7879% | 2,269 |
| Memoranda: | ||
| Average total assets | $49,772,800 | 5,792 |
| Average earning assets | $47,696,000 | 5,730 |
| Average equity | $5,836,600 | 5,656 |
| Average total loans | $31,355,600 | 5,516 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 687 |
| Cost of funding earning assets | 0.3510% | 4,332 |
| Net interest margin | 4.7176% | 488 |
| Noninterest income to average assets | 1.1212% | 966 |
| Noninterest expense to average assets | 3.6431% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9950% | 347 |
| Return on assets (ROA) | 2.1751% | 257 |
| Pretax return on assets | 2.1751% | 388 |
| Return on Equity (ROE) | 18.7418% | 375 |
| Retained earnings to average equity (ytd only) | 1.5058% | 5,294 |
| Net charge-offs to loans | 0.0042% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 743.8421% | 99 |
| Efficiency ratio | 64.6161% | 4,443 |
| Assets per employee ($millions) | 2.4515% | 6,260 |
| Cash dividends to net income (ytd only)* | 91.9658% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 5,040 |
| Loan loss allowance to noncurrent loans | 59.2593% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1014% | 2,746 |
| Noncurrent loans to loans | 1.7498% | 1,854 |
| Net loans and leases to total assets | 62.2884% | 3,441 |
| Net loans and leases to deposits | 73.8038% | 3,460 |
| Net loans and leases to core deposits | 77.6941% | 3,567 |
| Total domestic deposits to total assets | 84.3973% | 3,592 |
| Equity capital to assets | 11.9559% | 2,098 |
| Core capital (leverage) ratio | 11.6431% | 1,949 |
| Tier 1 risk-based capital ratio | 18.2514% | 2,134 |
| Total risk-based capital ratio | 19.2673% | 2,161 |
| Memoranda: | ||
| Average total assets | $49,590,500 | 5,862 |
| Average earning assets | $47,480,750 | 5,802 |
| Average equity | $5,755,250 | 5,726 |
| Average total loans | $31,326,250 | 5,569 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 663 |
| Cost of funding earning assets | 0.3614% | 4,305 |
| Net interest margin | 4.7020% | 483 |
| Noninterest income to average assets | 1.0888% | 1,006 |
| Noninterest expense to average assets | 3.5237% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0612% | 294 |
| Return on assets (ROA) | 2.3143% | 193 |
| Pretax return on assets | 2.3143% | 294 |
| Return on Equity (ROE) | 20.1410% | 287 |
| Retained earnings to average equity (ytd only) | 2.5176% | 4,601 |
| Net charge-offs to loans | -0.0127% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0935% | 4,842 |
| Assets per employee ($millions) | 2.3971% | 6,359 |
| Cash dividends to net income (ytd only)* | 87.5000% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 5,372 |
| Loan loss allowance to noncurrent loans | 310.5769% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,499 |
| Noncurrent loans to loans | 0.3206% | 5,048 |
| Net loans and leases to total assets | 63.8034% | 3,099 |
| Net loans and leases to deposits | 73.6787% | 3,360 |
| Net loans and leases to core deposits | 79.2587% | 3,293 |
| Total domestic deposits to total assets | 86.5969% | 2,701 |
| Equity capital to assets | 11.5874% | 2,338 |
| Core capital (leverage) ratio | 11.4037% | 2,083 |
| Tier 1 risk-based capital ratio | 17.0563% | 2,594 |
| Total risk-based capital ratio | 18.0135% | 2,692 |
| Memoranda: | ||
| Average total assets | $49,777,330 | 5,914 |
| Average earning assets | $47,596,330 | 5,846 |
| Average equity | $5,719,670 | 5,773 |
| Average total loans | $31,481,670 | 5,608 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 633 |
| Cost of funding earning assets | 0.3642% | 4,393 |
| Net interest margin | 4.7011% | 469 |
| Noninterest income to average assets | 1.0748% | 964 |
| Noninterest expense to average assets | 3.3457% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2143% | 230 |
| Return on assets (ROA) | 2.4244% | 175 |
| Pretax return on assets | 2.4244% | 256 |
| Return on Equity (ROE) | 21.1902% | 234 |
| Retained earnings to average equity (ytd only) | 8.1935% | 1,537 |
| Net charge-offs to loans | -0.0129% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1744% | 5,382 |
| Assets per employee ($millions) | 2.3442% | 6,452 |
| Cash dividends to net income (ytd only)* | 61.3333% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 5,371 |
| Loan loss allowance to noncurrent loans | 6,440.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,299 |
| Noncurrent loans to loans | 0.0161% | 6,120 |
| Net loans and leases to total assets | 62.4462% | 3,160 |
| Net loans and leases to deposits | 73.0468% | 3,196 |
| Net loans and leases to core deposits | 76.8179% | 3,328 |
| Total domestic deposits to total assets | 85.4879% | 3,619 |
| Equity capital to assets | 11.7047% | 2,100 |
| Core capital (leverage) ratio | 11.4582% | 1,997 |
| Tier 1 risk-based capital ratio | 17.6659% | 2,427 |
| Total risk-based capital ratio | 18.6468% | 2,486 |
| Memoranda: | ||
| Average total assets | $49,496,500 | 5,976 |
| Average earning assets | $47,222,500 | 5,914 |
| Average equity | $5,663,000 | 5,827 |
| Average total loans | $31,002,000 | 5,676 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 701 |
| Cost of funding earning assets | 0.4299% | 4,319 |
| Net interest margin | 4.7252% | 490 |
| Noninterest income to average assets | 0.9275% | 1,589 |
| Noninterest expense to average assets | 3.6714% | 1,334 |
| Loan and lease loss provision to assets | 0.2405% | 1,502 |
| Net operating income to assets | 1.4990% | 828 |
| Return on assets (ROA) | 1.5144% | 832 |
| Pretax return on assets | 1.5144% | 1,397 |
| Return on Equity (ROE) | 13.8352% | 984 |
| Retained earnings to average equity (ytd only) | 5.4321% | 2,327 |
| Net charge-offs to loans | -0.2216% | 6,629 |
| Credit loss provision to net charge-offs | -173.6111% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8521% | 4,223 |
| Assets per employee ($millions) | 2.3698% | 6,479 |
| Cash dividends to net income (ytd only)* | 60.7370% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 5,387 |
| Loan loss allowance to noncurrent loans | 16,050.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 6,431 |
| Noncurrent loans to loans | 0.0065% | 6,282 |
| Net loans and leases to total assets | 61.5292% | 3,434 |
| Net loans and leases to deposits | 73.2133% | 3,371 |
| Net loans and leases to core deposits | 75.1227% | 3,716 |
| Total domestic deposits to total assets | 84.0410% | 4,153 |
| Equity capital to assets | 11.1805% | 2,444 |
| Core capital (leverage) ratio | 11.0517% | 2,338 |
| Tier 1 risk-based capital ratio | 16.6676% | 2,774 |
| Total risk-based capital ratio | 17.6089% | 2,880 |
| Memoranda: | ||
| Average total assets | $51,969,200 | 5,968 |
| Average earning assets | $49,310,600 | 5,913 |
| Average equity | $5,688,400 | 5,888 |
| Average total loans | $32,492,200 | 5,646 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0668% | 823 |
| Cost of funding earning assets | 0.4387% | 4,401 |
| Net interest margin | 4.6280% | 588 |
| Noninterest income to average assets | 0.9063% | 1,737 |
| Noninterest expense to average assets | 3.6176% | 1,368 |
| Loan and lease loss provision to assets | 0.3173% | 1,064 |
| Net operating income to assets | 1.3632% | 1,195 |
| Return on assets (ROA) | 1.4115% | 1,127 |
| Pretax return on assets | 1.4115% | 1,899 |
| Return on Equity (ROE) | 12.9611% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.4757% | 3,486 |
| Net charge-offs to loans | -0.0203% | 6,046 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2798% | 4,045 |
| Assets per employee ($millions) | 2.5773% | 6,403 |
| Cash dividends to net income (ytd only)* | 65.4679% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 6,278 |
| Loan loss allowance to noncurrent loans | 8,466.6667% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,501 |
| Noncurrent loans to loans | 0.0095% | 6,348 |
| Net loans and leases to total assets | 60.8381% | 3,554 |
| Net loans and leases to deposits | 73.5764% | 3,302 |
| Net loans and leases to core deposits | 77.3151% | 3,456 |
| Total domestic deposits to total assets | 82.6870% | 4,689 |
| Equity capital to assets | 10.7110% | 3,058 |
| Core capital (leverage) ratio | 10.6461% | 2,842 |
| Tier 1 risk-based capital ratio | 15.9266% | 3,236 |
| Total risk-based capital ratio | 16.6538% | 3,473 |
| Memoranda: | ||
| Average total assets | $52,520,250 | 6,021 |
| Average earning assets | $49,840,000 | 5,958 |
| Average equity | $5,719,500 | 5,942 |
| Average total loans | $32,880,000 | 5,686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 866 |
| Cost of funding earning assets | 0.4415% | 4,526 |
| Net interest margin | 4.5899% | 608 |
| Noninterest income to average assets | 0.8894% | 1,850 |
| Noninterest expense to average assets | 3.1564% | 2,493 |
| Loan and lease loss provision to assets | 0.4731% | 600 |
| Net operating income to assets | 1.6274% | 709 |
| Return on assets (ROA) | 1.6993% | 677 |
| Pretax return on assets | 1.6993% | 1,117 |
| Return on Equity (ROE) | 15.5211% | 732 |
| Retained earnings to average equity (ytd only) | 10.5433% | 734 |
| Net charge-offs to loans | -0.0060% | 5,667 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0432% | 5,480 |
| Assets per employee ($millions) | 2.5746% | 6,423 |
| Cash dividends to net income (ytd only)* | 32.0713% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 6,442 |
| Loan loss allowance to noncurrent loans | 1,041.6667% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 6,373 |
| Noncurrent loans to loans | 0.0713% | 6,181 |
| Net loans and leases to total assets | 61.7671% | 3,334 |
| Net loans and leases to deposits | 73.2829% | 3,253 |
| Net loans and leases to core deposits | 77.3731% | 3,372 |
| Total domestic deposits to total assets | 84.2859% | 4,207 |
| Equity capital to assets | 10.5797% | 3,194 |
| Core capital (leverage) ratio | 10.4857% | 2,888 |
| Tier 1 risk-based capital ratio | 15.6902% | 3,369 |
| Total risk-based capital ratio | 16.3808% | 3,654 |
| Memoranda: | ||
| Average total assets | $52,845,330 | 6,055 |
| Average earning assets | $50,284,000 | 5,987 |
| Average equity | $5,785,670 | 5,976 |
| Average total loans | $33,302,330 | 5,699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 829 |
| Cost of funding earning assets | 0.4439% | 4,665 |
| Net interest margin | 4.6000% | 560 |
| Noninterest income to average assets | 0.8960% | 1,770 |
| Noninterest expense to average assets | 3.6527% | 1,330 |
| Loan and lease loss provision to assets | 0.9572% | 190 |
| Net operating income to assets | 0.6509% | 3,960 |
| Return on assets (ROA) | 0.6509% | 4,115 |
| Pretax return on assets | 0.6509% | 4,774 |
| Return on Equity (ROE) | 5.8434% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.7435% | 3,391 |
| Net charge-offs to loans | -0.0121% | 5,513 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4323% | 4,070 |
| Assets per employee ($millions) | 2.4272% | 6,641 |
| Cash dividends to net income (ytd only)* | 18.8235% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 6,531 |
| Loan loss allowance to noncurrent loans | 641.0256% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 6,185 |
| Noncurrent loans to loans | 0.1165% | 6,123 |
| Net loans and leases to total assets | 62.2270% | 3,018 |
| Net loans and leases to deposits | 72.3953% | 3,131 |
| Net loans and leases to core deposits | 76.3985% | 3,263 |
| Total domestic deposits to total assets | 85.9545% | 3,547 |
| Equity capital to assets | 10.9686% | 2,987 |
| Core capital (leverage) ratio | 10.3501% | 2,967 |
| Tier 1 risk-based capital ratio | 14.9613% | 3,867 |
| Total risk-based capital ratio | 15.6482% | 4,207 |
| Memoranda: | ||
| Average total assets | $52,235,000 | 6,120 |
| Average earning assets | $49,565,000 | 6,061 |
| Average equity | $5,818,500 | 6,028 |
| Average total loans | $33,131,000 | 5,742 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3162% | 898 |
| Cost of funding earning assets | 0.5640% | 4,697 |
| Net interest margin | 4.7522% | 592 |
| Noninterest income to average assets | 1.0113% | 1,502 |
| Noninterest expense to average assets | 3.3561% | 2,165 |
| Loan and lease loss provision to assets | 0.1562% | 3,662 |
| Net operating income to assets | 1.9738% | 373 |
| Return on assets (ROA) | 2.6005% | 147 |
| Pretax return on assets | 2.6005% | 221 |
| Return on Equity (ROE) | 22.2519% | 208 |
| Retained earnings to average equity (ytd only) | -8.6535% | 6,597 |
| Net charge-offs to loans | 0.0179% | 5,663 |
| Credit loss provision to net charge-offs | 1,333.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 181.8333% | 229 |
| Efficiency ratio | 61.1744% | 5,364 |
| Assets per employee ($millions) | 2.5536% | 6,575 |
| Cash dividends to net income (ytd only)* | 138.8889% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3782% | 6,911 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 5,889 |
| Noncurrent loans to loans | 0.1464% | 6,110 |
| Net loans and leases to total assets | 63.9489% | 2,906 |
| Net loans and leases to deposits | 73.3224% | 3,204 |
| Net loans and leases to core deposits | 77.4980% | 3,334 |
| Total domestic deposits to total assets | 87.2161% | 2,694 |
| Equity capital to assets | 11.3174% | 2,612 |
| Core capital (leverage) ratio | 10.5004% | 2,768 |
| Tier 1 risk-based capital ratio | 15.2835% | 3,556 |
| Total risk-based capital ratio | 15.6362% | 4,062 |
| Memoranda: | ||
| Average total assets | $51,220,800 | 6,176 |
| Average earning assets | $48,230,000 | 6,114 |
| Average equity | $5,986,000 | 6,029 |
| Average total loans | $33,500,600 | 5,775 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 955 |
| Cost of funding earning assets | 0.5921% | 4,730 |
| Net interest margin | 4.7396% | 620 |
| Noninterest income to average assets | 0.9962% | 1,509 |
| Noninterest expense to average assets | 3.5038% | 1,748 |
| Loan and lease loss provision to assets | 0.2081% | 2,996 |
| Net operating income to assets | 1.7402% | 641 |
| Return on assets (ROA) | 2.3072% | 258 |
| Pretax return on assets | 2.3072% | 399 |
| Return on Equity (ROE) | 19.5882% | 356 |
| Retained earnings to average equity (ytd only) | -8.6789% | 6,773 |
| Net charge-offs to loans | 0.0198% | 5,392 |
| Credit loss provision to net charge-offs | 1,600.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 149.7211% | 292 |
| Efficiency ratio | 64.2653% | 4,770 |
| Assets per employee ($millions) | 2.3925% | 6,790 |
| Cash dividends to net income (ytd only)* | 144.3060% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3725% | 7,030 |
| Loan loss allowance to noncurrent loans | 14.9343% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 2,886 |
| Noncurrent loans to loans | 2.4945% | 2,304 |
| Net loans and leases to total assets | 66.5360% | 2,554 |
| Net loans and leases to deposits | 76.7354% | 2,865 |
| Net loans and leases to core deposits | 79.3077% | 3,295 |
| Total domestic deposits to total assets | 86.7083% | 2,846 |
| Equity capital to assets | 11.7730% | 2,460 |
| Core capital (leverage) ratio | 10.8209% | 2,572 |
| Tier 1 risk-based capital ratio | 15.3797% | 3,606 |
| Total risk-based capital ratio | 15.7291% | 4,171 |
| Memoranda: | ||
| Average total assets | $51,258,000 | 6,244 |
| Average earning assets | $48,188,750 | 6,188 |
| Average equity | $6,037,500 | 6,081 |
| Average total loans | $33,679,750 | 5,846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3197% | 1,010 |
| Cost of funding earning assets | 0.6237% | 4,688 |
| Net interest margin | 4.6961% | 678 |
| Noninterest income to average assets | 1.0001% | 1,465 |
| Noninterest expense to average assets | 3.4227% | 1,973 |
| Loan and lease loss provision to assets | 0.2520% | 2,563 |
| Net operating income to assets | 1.7327% | 631 |
| Return on assets (ROA) | 2.3722% | 245 |
| Pretax return on assets | 2.3722% | 367 |
| Return on Equity (ROE) | 20.1371% | 350 |
| Retained earnings to average equity (ytd only) | -6.1859% | 6,683 |
| Net charge-offs to loans | 0.0297% | 4,966 |
| Credit loss provision to net charge-offs | 1,300.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 102.4000% | 416 |
| Efficiency ratio | 63.2975% | 5,026 |
| Assets per employee ($millions) | 2.4825% | 6,781 |
| Cash dividends to net income (ytd only)* | 130.7190% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3186% | 7,115 |
| Loan loss allowance to noncurrent loans | 12.4153% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8568% | 2,958 |
| Noncurrent loans to loans | 2.5662% | 2,346 |
| Net loans and leases to total assets | 66.0158% | 2,665 |
| Net loans and leases to deposits | 75.9199% | 3,007 |
| Net loans and leases to core deposits | 79.9424% | 3,225 |
| Total domestic deposits to total assets | 86.9545% | 2,794 |
| Equity capital to assets | 11.6510% | 2,452 |
| Core capital (leverage) ratio | 11.0314% | 2,264 |
| Tier 1 risk-based capital ratio | 15.5006% | 3,437 |
| Total risk-based capital ratio | 15.7995% | 4,031 |
| Memoranda: | ||
| Average total assets | $51,596,670 | 6,270 |
| Average earning assets | $48,423,330 | 6,221 |
| Average equity | $6,078,330 | 6,099 |
| Average total loans | $33,721,670 | 5,881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 869 |
| Cost of funding earning assets | 0.6531% | 4,702 |
| Net interest margin | 4.7785% | 592 |
| Noninterest income to average assets | 0.9975% | 1,433 |
| Noninterest expense to average assets | 3.7328% | 1,327 |
| Loan and lease loss provision to assets | 0.3896% | 1,621 |
| Net operating income to assets | 1.3794% | 1,259 |
| Return on assets (ROA) | 1.5898% | 981 |
| Pretax return on assets | 1.5898% | 1,601 |
| Return on Equity (ROE) | 13.4199% | 1,302 |
| Retained earnings to average equity (ytd only) | -18.1564% | 7,022 |
| Net charge-offs to loans | -0.0360% | 6,408 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8470% | 4,202 |
| Assets per employee ($millions) | 2.3573% | 6,953 |
| Cash dividends to net income (ytd only)* | 235.2941% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3030% | 7,177 |
| Loan loss allowance to noncurrent loans | 10.6186% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 3,088 |
| Noncurrent loans to loans | 2.8534% | 2,263 |
| Net loans and leases to total assets | 65.3529% | 2,589 |
| Net loans and leases to deposits | 75.8872% | 2,810 |
| Net loans and leases to core deposits | 79.4803% | 3,115 |
| Total domestic deposits to total assets | 86.1184% | 3,461 |
| Equity capital to assets | 11.6448% | 2,309 |
| Core capital (leverage) ratio | 10.9265% | 2,318 |
| Tier 1 risk-based capital ratio | 15.4952% | 3,454 |
| Total risk-based capital ratio | 15.7793% | 4,037 |
| Memoranda: | ||
| Average total assets | $51,328,500 | 6,330 |
| Average earning assets | $48,383,000 | 6,265 |
| Average equity | $6,080,500 | 6,122 |
| Average total loans | $33,319,500 | 5,945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 1,226 |
| Cost of funding earning assets | 0.9758% | 3,539 |
| Net interest margin | 4.4992% | 1,136 |
| Noninterest income to average assets | 1.2700% | 799 |
| Noninterest expense to average assets | 3.2864% | 2,564 |
| Loan and lease loss provision to assets | 0.1727% | 4,470 |
| Net operating income to assets | 1.9952% | 312 |
| Return on assets (ROA) | 2.1602% | 257 |
| Pretax return on assets | 2.1602% | 395 |
| Return on Equity (ROE) | 18.8933% | 320 |
| Retained earnings to average equity (ytd only) | 3.1209% | 4,008 |
| Net charge-offs to loans | 0.7202% | 2,354 |
| Credit loss provision to net charge-offs | 37.6569% | 5,667 |
| Earnings coverage of net charge-offs (x) | 4.7280% | 3,001 |
| Efficiency ratio | 60.2533% | 5,715 |
| Assets per employee ($millions) | 2.3090% | 7,004 |
| Cash dividends to net income (ytd only)* | 83.4813% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1532% | 7,266 |
| Loan loss allowance to noncurrent loans | 41.3223% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 6,376 |
| Noncurrent loans to loans | 0.3707% | 5,980 |
| Net loans and leases to total assets | 64.1652% | 3,152 |
| Net loans and leases to deposits | 74.4904% | 3,418 |
| Net loans and leases to core deposits | 78.0826% | 3,679 |
| Total domestic deposits to total assets | 86.1389% | 3,235 |
| Equity capital to assets | 12.0519% | 2,084 |
| Core capital (leverage) ratio | 11.4782% | 1,909 |
| Tier 1 risk-based capital ratio | 16.7215% | 2,725 |
| Total risk-based capital ratio | 16.8634% | 3,216 |
| Memoranda: | ||
| Average total assets | $52,124,400 | 6,302 |
| Average earning assets | $48,475,200 | 6,241 |
| Average equity | $5,959,800 | 6,168 |
| Average total loans | $33,184,000 | 6,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 1,793 |
| Cost of funding earning assets | 1.0327% | 3,446 |
| Net interest margin | 4.2846% | 1,776 |
| Noninterest income to average assets | 1.0269% | 1,279 |
| Noninterest expense to average assets | 3.3704% | 2,278 |
| Loan and lease loss provision to assets | 0.1017% | 5,174 |
| Net operating income to assets | 1.5200% | 893 |
| Return on assets (ROA) | 1.6115% | 827 |
| Pretax return on assets | 1.6115% | 1,353 |
| Return on Equity (ROE) | 14.2807% | 982 |
| Retained earnings to average equity (ytd only) | -2.3876% | 6,347 |
| Net charge-offs to loans | -0.0120% | 6,809 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5153% | 4,418 |
| Assets per employee ($millions) | 2.4700% | 6,923 |
| Cash dividends to net income (ytd only)* | 116.7193% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 6,921 |
| Loan loss allowance to noncurrent loans | 20.4047% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 2.2864% | 2,799 |
| Noncurrent loans to loans | 3.5940% | 1,912 |
| Net loans and leases to total assets | 63.1509% | 3,488 |
| Net loans and leases to deposits | 72.6658% | 3,857 |
| Net loans and leases to core deposits | 76.6120% | 4,109 |
| Total domestic deposits to total assets | 86.9060% | 2,712 |
| Equity capital to assets | 11.6385% | 2,550 |
| Core capital (leverage) ratio | 10.6940% | 2,672 |
| Tier 1 risk-based capital ratio | 15.8939% | 3,169 |
| Total risk-based capital ratio | 16.5834% | 3,443 |
| Memoranda: | ||
| Average total assets | $52,456,250 | 6,343 |
| Average earning assets | $48,544,500 | 6,296 |
| Average equity | $5,919,250 | 6,220 |
| Average total loans | $33,319,000 | 6,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 2,236 |
| Cost of funding earning assets | 1.0894% | 3,323 |
| Net interest margin | 4.1162% | 2,354 |
| Noninterest income to average assets | 0.9610% | 1,427 |
| Noninterest expense to average assets | 3.4149% | 2,219 |
| Loan and lease loss provision to assets | 0.0570% | 5,607 |
| Net operating income to assets | 1.3067% | 1,295 |
| Return on assets (ROA) | 1.4055% | 1,133 |
| Pretax return on assets | 1.4055% | 1,785 |
| Return on Equity (ROE) | 12.5850% | 1,313 |
| Retained earnings to average equity (ytd only) | -5.7823% | 6,638 |
| Net charge-offs to loans | -0.0239% | 6,862 |
| Credit loss provision to net charge-offs | -375.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4626% | 3,831 |
| Assets per employee ($millions) | 2.5228% | 6,885 |
| Cash dividends to net income (ytd only)* | 145.9459% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6443% | 7,090 |
| Loan loss allowance to noncurrent loans | 83.5249% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 5,859 |
| Noncurrent loans to loans | 0.7714% | 5,368 |
| Net loans and leases to total assets | 63.4565% | 3,586 |
| Net loans and leases to deposits | 72.6609% | 4,013 |
| Net loans and leases to core deposits | 76.2209% | 4,290 |
| Total domestic deposits to total assets | 87.3325% | 2,554 |
| Equity capital to assets | 11.2877% | 2,694 |
| Core capital (leverage) ratio | 10.4535% | 2,760 |
| Tier 1 risk-based capital ratio | 15.1773% | 3,407 |
| Total risk-based capital ratio | 15.7749% | 3,747 |
| Memoranda: | ||
| Average total assets | $52,651,330 | 6,383 |
| Average earning assets | $48,832,000 | 6,344 |
| Average equity | $5,880,000 | 6,265 |
| Average total loans | $33,425,670 | 6,110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 2,792 |
| Cost of funding earning assets | 1.1377% | 3,244 |
| Net interest margin | 3.9288% | 3,006 |
| Noninterest income to average assets | 0.8688% | 1,779 |
| Noninterest expense to average assets | 3.7037% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8230% | 2,915 |
| Return on assets (ROA) | 1.0288% | 2,124 |
| Pretax return on assets | 1.0288% | 3,028 |
| Return on Equity (ROE) | 9.2624% | 2,360 |
| Retained earnings to average equity (ytd only) | -11.3208% | 6,918 |
| Net charge-offs to loans | -0.0482% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 2,253 |
| Assets per employee ($millions) | 2.3810% | 7,117 |
| Cash dividends to net income (ytd only)* | 222.2222% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 7,212 |
| Loan loss allowance to noncurrent loans | 109.1398% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 6,317 |
| Noncurrent loans to loans | 0.5426% | 5,940 |
| Net loans and leases to total assets | 65.0497% | 3,231 |
| Net loans and leases to deposits | 74.5885% | 3,669 |
| Net loans and leases to core deposits | 77.2396% | 4,125 |
| Total domestic deposits to total assets | 87.2115% | 2,823 |
| Equity capital to assets | 10.9368% | 2,752 |
| Core capital (leverage) ratio | 10.5816% | 2,524 |
| Tier 1 risk-based capital ratio | 15.3850% | 3,215 |
| Total risk-based capital ratio | 15.9488% | 3,571 |
| Memoranda: | ||
| Average total assets | $52,488,000 | 6,440 |
| Average earning assets | $48,870,500 | 6,385 |
| Average equity | $5,830,000 | 6,299 |
| Average total loans | $33,220,500 | 6,169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 3,305 |
| Cost of funding earning assets | 1.4406% | 3,017 |
| Net interest margin | 3.8222% | 3,854 |
| Noninterest income to average assets | 0.8645% | 1,997 |
| Noninterest expense to average assets | 3.0622% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3743% | 999 |
| Return on assets (ROA) | 1.8840% | 373 |
| Pretax return on assets | 1.8840% | 635 |
| Return on Equity (ROE) | 17.3261% | 447 |
| Retained earnings to average equity (ytd only) | 6.6797% | 1,465 |
| Net charge-offs to loans | 0.0603% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 36.8000% | 618 |
| Efficiency ratio | 69.0236% | 4,372 |
| Assets per employee ($millions) | 2.7681% | 6,576 |
| Cash dividends to net income (ytd only)* | 61.4470% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 7,238 |
| Loan loss allowance to noncurrent loans | 99.5000% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 6,323 |
| Noncurrent loans to loans | 0.6218% | 5,810 |
| Net loans and leases to total assets | 60.7761% | 4,531 |
| Net loans and leases to deposits | 69.9906% | 4,816 |
| Net loans and leases to core deposits | 75.9619% | 4,720 |
| Total domestic deposits to total assets | 86.8347% | 2,916 |
| Equity capital to assets | 11.2772% | 2,433 |
| Core capital (leverage) ratio | 10.6791% | 2,393 |
| Tier 1 risk-based capital ratio | 16.4344% | 2,549 |
| Total risk-based capital ratio | 17.0074% | 2,827 |
| Memoranda: | ||
| Average total assets | $53,555,400 | 6,418 |
| Average earning assets | $50,049,600 | 6,364 |
| Average equity | $5,823,600 | 6,422 |
| Average total loans | $33,178,800 | 6,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 3,757 |
| Cost of funding earning assets | 1.4906% | 3,035 |
| Net interest margin | 3.7252% | 4,287 |
| Noninterest income to average assets | 0.8352% | 2,055 |
| Noninterest expense to average assets | 3.1030% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2194% | 1,536 |
| Return on assets (ROA) | 1.3978% | 1,180 |
| Pretax return on assets | 1.3978% | 1,884 |
| Return on Equity (ROE) | 12.9724% | 1,259 |
| Retained earnings to average equity (ytd only) | 0.5520% | 5,578 |
| Net charge-offs to loans | 0.0877% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 22.3655% | 1,097 |
| Efficiency ratio | 71.7890% | 3,744 |
| Assets per employee ($millions) | 2.5365% | 7,035 |
| Cash dividends to net income (ytd only)* | 95.7446% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 7,343 |
| Loan loss allowance to noncurrent loans | 402.0408% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 7,125 |
| Noncurrent loans to loans | 0.1509% | 6,873 |
| Net loans and leases to total assets | 60.5910% | 4,803 |
| Net loans and leases to deposits | 70.1204% | 5,127 |
| Net loans and leases to core deposits | 76.1994% | 5,030 |
| Total domestic deposits to total assets | 86.4100% | 2,848 |
| Equity capital to assets | 11.2283% | 2,752 |
| Core capital (leverage) ratio | 9.9213% | 3,332 |
| Tier 1 risk-based capital ratio | 15.8469% | 2,841 |
| Total risk-based capital ratio | 16.4313% | 3,141 |
| Memoranda: | ||
| Average total assets | $53,796,000 | 6,484 |
| Average earning assets | $50,357,750 | 6,425 |
| Average equity | $5,796,750 | 6,513 |
| Average total loans | $33,432,750 | 6,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 4,377 |
| Cost of funding earning assets | 1.5010% | 3,255 |
| Net interest margin | 3.6135% | 4,762 |
| Noninterest income to average assets | 0.8041% | 2,095 |
| Noninterest expense to average assets | 3.1016% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1191% | 1,786 |
| Return on assets (ROA) | 1.3859% | 1,186 |
| Pretax return on assets | 1.3859% | 1,870 |
| Return on Equity (ROE) | 13.0420% | 1,230 |
| Retained earnings to average equity (ytd only) | -2.9990% | 6,303 |
| Net charge-offs to loans | 0.2311% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.7436% | 2,247 |
| Efficiency ratio | 73.4855% | 3,564 |
| Assets per employee ($millions) | 2.4675% | 7,144 |
| Cash dividends to net income (ytd only)* | 122.9947% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 7,484 |
| Loan loss allowance to noncurrent loans | 360.0000% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 7,167 |
| Noncurrent loans to loans | 0.1455% | 6,968 |
| Net loans and leases to total assets | 62.9707% | 4,471 |
| Net loans and leases to deposits | 72.2930% | 4,949 |
| Net loans and leases to core deposits | 77.5811% | 5,014 |
| Total domestic deposits to total assets | 87.1049% | 2,478 |
| Equity capital to assets | 10.6495% | 3,219 |
| Core capital (leverage) ratio | 9.5767% | 3,705 |
| Tier 1 risk-based capital ratio | 14.8792% | 3,221 |
| Total risk-based capital ratio | 15.3910% | 3,600 |
| Memoranda: | ||
| Average total assets | $53,972,330 | 6,520 |
| Average earning assets | $51,031,330 | 6,442 |
| Average equity | $5,735,330 | 6,550 |
| Average total loans | $33,753,000 | 6,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 4,058 |
| Cost of funding earning assets | 1.5546% | 3,238 |
| Net interest margin | 3.6380% | 4,546 |
| Noninterest income to average assets | 0.7581% | 2,249 |
| Noninterest expense to average assets | 3.0920% | 3,298 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0926% | 1,851 |
| Return on assets (ROA) | 1.6278% | 756 |
| Pretax return on assets | 1.6278% | 1,200 |
| Return on Equity (ROE) | 15.3348% | 818 |
| Retained earnings to average equity (ytd only) | -1.4705% | 6,117 |
| Net charge-offs to loans | -0.0120% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8899% | 3,594 |
| Assets per employee ($millions) | 2.4660% | 7,243 |
| Cash dividends to net income (ytd only)* | 109.5890% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 7,429 |
| Loan loss allowance to noncurrent loans | 119.5652% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 6,629 |
| Noncurrent loans to loans | 0.5433% | 6,203 |
| Net loans and leases to total assets | 62.0228% | 4,748 |
| Net loans and leases to deposits | 71.4486% | 5,134 |
| Net loans and leases to core deposits | 71.8590% | 5,732 |
| Total domestic deposits to total assets | 86.8076% | 2,732 |
| Equity capital to assets | 10.5288% | 3,220 |
| Core capital (leverage) ratio | 9.8051% | 3,391 |
| Tier 1 risk-based capital ratio | 15.2316% | 2,989 |
| Total risk-based capital ratio | 15.8641% | 3,275 |
| Memoranda: | ||
| Average total assets | $53,816,500 | 6,612 |
| Average earning assets | $50,687,000 | 6,521 |
| Average equity | $5,712,500 | 6,612 |
| Average total loans | $33,448,000 | 6,439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2185% | 1,194 |
| Cost of funding earning assets | 1.8828% | 3,549 |
| Net interest margin | 4.3357% | 1,614 |
| Noninterest income to average assets | 0.8658% | 2,105 |
| Noninterest expense to average assets | 3.1869% | 3,420 |
| Loan and lease loss provision to assets | 0.0778% | 6,818 |
| Net operating income to assets | 1.7004% | 439 |
| Return on assets (ROA) | 1.7530% | 419 |
| Pretax return on assets | 1.7530% | 697 |
| Return on Equity (ROE) | 15.7490% | 578 |
| Retained earnings to average equity (ytd only) | 0.0874% | 4,853 |
| Net charge-offs to loans | 0.0803% | 6,305 |
| Credit loss provision to net charge-offs | 153.8462% | 2,972 |
| Earnings coverage of net charge-offs (x) | 35.1538% | 672 |
| Efficiency ratio | 64.1850% | 5,742 |
| Assets per employee ($millions) | 2.3210% | 7,449 |
| Cash dividends to net income (ytd only)* | 99.4451% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 7,451 |
| Loan loss allowance to noncurrent loans | 169.7674% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 6,859 |
| Noncurrent loans to loans | 0.3906% | 6,499 |
| Net loans and leases to total assets | 61.4608% | 5,116 |
| Net loans and leases to deposits | 71.4295% | 5,413 |
| Net loans and leases to core deposits | 110.9499% | 2,799 |
| Total domestic deposits to total assets | 86.0440% | 2,995 |
| Equity capital to assets | 10.7021% | 2,965 |
| Core capital (leverage) ratio | 10.1624% | 2,934 |
| Tier 1 risk-based capital ratio | 15.5688% | 2,686 |
| Total risk-based capital ratio | 16.2100% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,398,400 | 6,653 |
| Average earning assets | $48,596,800 | 6,578 |
| Average equity | $5,721,000 | 6,706 |
| Average total loans | $32,365,800 | 6,500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3291% | 1,070 |
| Cost of funding earning assets | 1.9340% | 3,693 |
| Net interest margin | 4.3950% | 1,452 |
| Noninterest income to average assets | 0.8932% | 2,010 |
| Noninterest expense to average assets | 3.2322% | 3,182 |
| Loan and lease loss provision to assets | 0.0655% | 6,701 |
| Net operating income to assets | 1.7680% | 483 |
| Return on assets (ROA) | 1.7680% | 509 |
| Pretax return on assets | 1.7680% | 859 |
| Return on Equity (ROE) | 15.7257% | 686 |
| Retained earnings to average equity (ytd only) | -0.4893% | 5,348 |
| Net charge-offs to loans | 0.0083% | 6,842 |
| Credit loss provision to net charge-offs | 1,250.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 349.5543% | 107 |
| Efficiency ratio | 63.8056% | 5,793 |
| Assets per employee ($millions) | 2.2406% | 7,569 |
| Cash dividends to net income (ytd only)* | 103.1112% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 7,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.8717% | 4,894 |
| Net loans and leases to deposits | 75.2773% | 5,165 |
| Net loans and leases to core deposits | 112.8811% | 2,942 |
| Total domestic deposits to total assets | 84.8485% | 3,309 |
| Equity capital to assets | 11.2355% | 2,807 |
| Core capital (leverage) ratio | 10.1220% | 3,147 |
| Tier 1 risk-based capital ratio | 15.6429% | 2,756 |
| Total risk-based capital ratio | 16.3169% | 2,950 |
| Memoranda: | ||
| Average total assets | $50,902,500 | 6,723 |
| Average earning assets | $48,326,000 | 6,635 |
| Average equity | $5,723,000 | 6,767 |
| Average total loans | $32,200,250 | 6,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3783% | 1,049 |
| Cost of funding earning assets | 1.9834% | 3,857 |
| Net interest margin | 4.3950% | 1,420 |
| Noninterest income to average assets | 0.8877% | 2,031 |
| Noninterest expense to average assets | 3.1405% | 3,536 |
| Loan and lease loss provision to assets | 0.0395% | 6,841 |
| Net operating income to assets | 1.8780% | 392 |
| Return on assets (ROA) | 1.8780% | 423 |
| Pretax return on assets | 1.8780% | 726 |
| Return on Equity (ROE) | 16.6998% | 611 |
| Retained earnings to average equity (ytd only) | 1.4384% | 4,527 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0905% | 6,235 |
| Assets per employee ($millions) | 2.2902% | 7,569 |
| Cash dividends to net income (ytd only)* | 91.3866% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6693% | 7,487 |
| Loan loss allowance to noncurrent loans | 144.2953% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 6,768 |
| Noncurrent loans to loans | 0.4638% | 6,368 |
| Net loans and leases to total assets | 60.5764% | 5,589 |
| Net loans and leases to deposits | 71.2073% | 5,849 |
| Net loans and leases to core deposits | 104.3222% | 4,029 |
| Total domestic deposits to total assets | 85.0704% | 3,229 |
| Equity capital to assets | 10.6751% | 3,228 |
| Core capital (leverage) ratio | 10.1354% | 3,153 |
| Tier 1 risk-based capital ratio | 16.1738% | 2,558 |
| Total risk-based capital ratio | 16.8232% | 2,715 |
| Memoranda: | ||
| Average total assets | $50,692,330 | 6,795 |
| Average earning assets | $48,100,330 | 6,707 |
| Average equity | $5,700,670 | 6,828 |
| Average total loans | $31,886,000 | 6,614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4856% | 895 |
| Cost of funding earning assets | 2.0405% | 3,919 |
| Net interest margin | 4.4451% | 1,238 |
| Noninterest income to average assets | 0.8611% | 2,029 |
| Noninterest expense to average assets | 3.3560% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7303% | 608 |
| Return on assets (ROA) | 1.7303% | 665 |
| Pretax return on assets | 1.7303% | 1,121 |
| Return on Equity (ROE) | 14.9839% | 979 |
| Retained earnings to average equity (ytd only) | -0.4182% | 5,749 |
| Net charge-offs to loans | -0.0378% | 7,623 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9810% | 5,336 |
| Assets per employee ($millions) | 2.2211% | 7,686 |
| Cash dividends to net income (ytd only)* | 102.7907% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 7,573 |
| Loan loss allowance to noncurrent loans | 128.3951% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 6,381 |
| Noncurrent loans to loans | 0.5040% | 6,168 |
| Net loans and leases to total assets | 62.5122% | 5,234 |
| Net loans and leases to deposits | 74.5100% | 5,417 |
| Net loans and leases to core deposits | 109.2430% | 3,534 |
| Total domestic deposits to total assets | 83.8977% | 3,753 |
| Equity capital to assets | 11.1968% | 2,813 |
| Core capital (leverage) ratio | 10.6987% | 2,740 |
| Tier 1 risk-based capital ratio | 16.1508% | 2,635 |
| Total risk-based capital ratio | 16.7838% | 2,774 |
| Memoranda: | ||
| Average total assets | $49,701,500 | 6,882 |
| Average earning assets | $47,243,000 | 6,780 |
| Average equity | $5,739,500 | 6,862 |
| Average total loans | $31,767,500 | 6,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7890% | 249 |
| Cost of funding earning assets | 2.5282% | 4,060 |
| Net interest margin | 5.2607% | 299 |
| Noninterest income to average assets | 1.0782% | 1,357 |
| Noninterest expense to average assets | 3.6307% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.2814% | 202 |
| Return on assets (ROA) | 2.2043% | 232 |
| Pretax return on assets | 2.2043% | 395 |
| Return on Equity (ROE) | 19.3095% | 430 |
| Retained earnings to average equity (ytd only) | -0.8769% | 5,563 |
| Net charge-offs to loans | 0.0852% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 42.0769% | 876 |
| Efficiency ratio | 61.4109% | 6,078 |
| Assets per employee ($millions) | 2.1007% | 7,823 |
| Cash dividends to net income (ytd only)* | 104.5412% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 7,539 |
| Loan loss allowance to noncurrent loans | 106.2176% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,023 |
| Noncurrent loans to loans | 0.6148% | 5,526 |
| Net loans and leases to total assets | 64.5466% | 5,164 |
| Net loans and leases to deposits | 79.1809% | 5,168 |
| Net loans and leases to core deposits | 112.4180% | 3,521 |
| Total domestic deposits to total assets | 81.5179% | 4,401 |
| Equity capital to assets | 11.9192% | 2,344 |
| Core capital (leverage) ratio | 10.9323% | 2,642 |
| Tier 1 risk-based capital ratio | 16.8560% | 2,360 |
| Total risk-based capital ratio | 17.5063% | 2,502 |
| Memoranda: | ||
| Average total assets | $47,952,000 | 6,865 |
| Average earning assets | $44,062,200 | 6,852 |
| Average equity | $5,474,000 | 6,987 |
| Average total loans | $30,504,200 | 6,676 |