Home > First Bank of Utica > Performance and Condition Ratios
First Bank of Utica, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 997 |
| Cost of funding earning assets | 0.9794% | 3,344 |
| Net interest margin | 4.6584% | 499 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.7572% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3450% | 1,334 |
| Return on assets (ROA) | 1.3450% | 1,308 |
| Pretax return on assets | 1.7383% | 991 |
| Return on Equity (ROE) | 11.0200% | 2,223 |
| Retained earnings to average equity (ytd only) | 11.0208% | 789 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.3322% | 2,932 |
| Assets per employee ($millions) | 5.7925% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 419 |
| Loan loss allowance to noncurrent loans | 337.1517% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 1,296 |
| Noncurrent loans to loans | 0.5770% | 1,358 |
| Net loans and leases to total assets | 72.8900% | 1,484 |
| Net loans and leases to deposits | 94.9768% | 869 |
| Net loans and leases to core deposits | 99.2568% | 1,472 |
| Total domestic deposits to total assets | 76.7500% | 3,869 |
| Equity capital to assets | 13.4616% | 773 |
| Core capital (leverage) ratio | 13.5551% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $78,812,200 | 4,024 |
| Average earning assets | $73,823,800 | 3,991 |
| Average equity | $9,618,200 | 3,763 |
| Average total loans | $53,129,200 | 3,794 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 995 |
| Cost of funding earning assets | 0.8546% | 3,387 |
| Net interest margin | 4.6630% | 483 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.6904% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4171% | 1,281 |
| Return on assets (ROA) | 1.4171% | 1,263 |
| Pretax return on assets | 1.8254% | 973 |
| Return on Equity (ROE) | 11.9000% | 2,151 |
| Retained earnings to average equity (ytd only) | 11.9018% | 987 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.5776% | 3,014 |
| Assets per employee ($millions) | 5.5427% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 491 |
| Loan loss allowance to noncurrent loans | 318.4211% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 1,321 |
| Noncurrent loans to loans | 0.5908% | 1,358 |
| Net loans and leases to total assets | 73.2000% | 1,446 |
| Net loans and leases to deposits | 95.5488% | 781 |
| Net loans and leases to core deposits | 99.6946% | 1,329 |
| Total domestic deposits to total assets | 76.6100% | 3,962 |
| Equity capital to assets | 12.7529% | 862 |
| Core capital (leverage) ratio | 12.8127% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8285% | 969 |
| Memoranda: | ||
| Average total assets | $79,689,500 | 4,032 |
| Average earning assets | $74,886,250 | 4,001 |
| Average equity | $9,488,500 | 3,772 |
| Average total loans | $52,417,000 | 3,813 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 1,009 |
| Cost of funding earning assets | 0.7514% | 3,345 |
| Net interest margin | 4.6042% | 520 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.6522% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4007% | 1,329 |
| Return on assets (ROA) | 1.4007% | 1,310 |
| Pretax return on assets | 1.8063% | 997 |
| Return on Equity (ROE) | 12.0400% | 2,148 |
| Retained earnings to average equity (ytd only) | 12.0393% | 981 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.4866% | 3,022 |
| Assets per employee ($millions) | 5.5875% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 332 |
| Loan loss allowance to noncurrent loans | 309.3750% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 1,190 |
| Noncurrent loans to loans | 0.6941% | 1,079 |
| Net loans and leases to total assets | 63.4400% | 2,439 |
| Net loans and leases to deposits | 78.0469% | 2,127 |
| Net loans and leases to core deposits | 80.7298% | 2,424 |
| Total domestic deposits to total assets | 81.2800% | 3,382 |
| Equity capital to assets | 12.2927% | 975 |
| Core capital (leverage) ratio | 11.9189% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3964% | 774 |
| Memoranda: | ||
| Average total assets | $80,386,667 | 4,041 |
| Average earning assets | $75,322,667 | 4,013 |
| Average equity | $9,352,667 | 3,813 |
| Average total loans | $50,593,667 | 3,853 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1861% | 972 |
| Cost of funding earning assets | 0.6345% | 3,276 |
| Net interest margin | 4.5516% | 541 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.5826% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4092% | 1,384 |
| Return on assets (ROA) | 1.4092% | 1,356 |
| Pretax return on assets | 1.8118% | 1,049 |
| Return on Equity (ROE) | 12.4500% | 2,104 |
| Retained earnings to average equity (ytd only) | 12.4498% | 1,184 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7709% | 3,097 |
| Assets per employee ($millions) | 6.0478% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2941% | 289 |
| Loan loss allowance to noncurrent loans | 291.9571% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 1,164 |
| Noncurrent loans to loans | 0.7858% | 978 |
| Net loans and leases to total assets | 54.7800% | 3,141 |
| Net loans and leases to deposits | 66.0604% | 2,931 |
| Net loans and leases to core deposits | 68.1102% | 3,093 |
| Total domestic deposits to total assets | 82.9200% | 3,312 |
| Equity capital to assets | 11.0595% | 1,322 |
| Core capital (leverage) ratio | 11.1566% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3920% | 797 |
| Memoranda: | ||
| Average total assets | $81,467,500 | 4,082 |
| Average earning assets | $76,281,500 | 4,055 |
| Average equity | $9,221,000 | 3,868 |
| Average total loans | $50,534,500 | 3,899 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 1,261 |
| Cost of funding earning assets | 0.5818% | 976 |
| Net interest margin | 3.6118% | 1,613 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.6274% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7276% | 3,542 |
| Return on assets (ROA) | 0.7276% | 3,486 |
| Pretax return on assets | 0.9531% | 3,215 |
| Return on Equity (ROE) | 6.4100% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.0425% | 3,383 |
| Net charge-offs to loans | -0.0203% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.3810% | 1,282 |
| Assets per employee ($millions) | 5.5904% | 3,132 |
| Cash dividends to net income (ytd only)* | 36.9718% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 408 |
| Loan loss allowance to noncurrent loans | 280.6701% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 1,027 |
| Noncurrent loans to loans | 0.7239% | 1,039 |
| Net loans and leases to total assets | 67.0900% | 1,922 |
| Net loans and leases to deposits | 81.9061% | 1,621 |
| Net loans and leases to core deposits | 84.6976% | 1,830 |
| Total domestic deposits to total assets | 81.9100% | 3,643 |
| Equity capital to assets | 11.5989% | 1,053 |
| Core capital (leverage) ratio | 11.5625% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6029% | 1,039 |
| Memoranda: | ||
| Average total assets | $78,060,600 | 4,149 |
| Average earning assets | $73,730,800 | 4,114 |
| Average equity | $8,855,800 | 4,005 |
| Average total loans | $54,229,000 | 3,833 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 1,366 |
| Cost of funding earning assets | 0.5795% | 485 |
| Net interest margin | 3.3674% | 2,077 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.5637% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6238% | 3,773 |
| Return on assets (ROA) | 0.6238% | 3,728 |
| Pretax return on assets | 0.8204% | 3,529 |
| Return on Equity (ROE) | 5.5300% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.1664% | 3,387 |
| Net charge-offs to loans | -0.0270% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.7576% | 1,100 |
| Assets per employee ($millions) | 5.5432% | 3,174 |
| Cash dividends to net income (ytd only)* | 24.6575% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 598 |
| Loan loss allowance to noncurrent loans | 229.7468% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 871 |
| Noncurrent loans to loans | 0.8294% | 950 |
| Net loans and leases to total assets | 72.2400% | 1,266 |
| Net loans and leases to deposits | 88.4444% | 1,004 |
| Net loans and leases to core deposits | 91.5839% | 1,204 |
| Total domestic deposits to total assets | 81.6800% | 3,882 |
| Equity capital to assets | 11.5907% | 976 |
| Core capital (leverage) ratio | 11.7991% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6607% | 1,247 |
| Memoranda: | ||
| Average total assets | $78,009,250 | 4,180 |
| Average earning assets | $74,081,500 | 4,140 |
| Average equity | $8,800,250 | 4,059 |
| Average total loans | $54,386,500 | 3,850 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 1,709 |
| Cost of funding earning assets | 0.5901% | 300 |
| Net interest margin | 3.0528% | 2,709 |
| Noninterest income to average assets | 0.1177% | 4,410 |
| Noninterest expense to average assets | 2.5415% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3583% | 4,191 |
| Return on assets (ROA) | 0.3583% | 4,147 |
| Pretax return on assets | 0.4760% | 4,037 |
| Return on Equity (ROE) | 3.2054% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.1448% | 3,962 |
| Net charge-offs to loans | -0.0524% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2239% | 671 |
| Assets per employee ($millions) | 5.6788% | 3,048 |
| Cash dividends to net income (ytd only)* | 64.2857% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0474% | 505 |
| Loan loss allowance to noncurrent loans | 208.0000% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 833 |
| Noncurrent loans to loans | 0.9843% | 850 |
| Net loans and leases to total assets | 65.7132% | 1,733 |
| Net loans and leases to deposits | 79.8594% | 1,399 |
| Net loans and leases to core deposits | 82.6031% | 1,551 |
| Total domestic deposits to total assets | 82.2862% | 3,969 |
| Equity capital to assets | 11.0499% | 1,185 |
| Core capital (leverage) ratio | 11.2583% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2355% | 1,139 |
| Memoranda: | ||
| Average total assets | $78,144,000 | 4,223 |
| Average earning assets | $74,228,000 | 4,186 |
| Average equity | $8,735,333 | 4,128 |
| Average total loans | $53,464,333 | 3,904 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4744% | 1,889 |
| Cost of funding earning assets | 0.6253% | 225 |
| Net interest margin | 2.8491% | 2,990 |
| Noninterest income to average assets | 0.1033% | 4,492 |
| Noninterest expense to average assets | 2.5560% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2014% | 4,332 |
| Return on assets (ROA) | 0.2014% | 4,299 |
| Pretax return on assets | 0.2530% | 4,261 |
| Return on Equity (ROE) | 1.7909% | 4,290 |
| Retained earnings to average equity (ytd only) | -2.3420% | 4,273 |
| Net charge-offs to loans | -0.0971% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9926% | 506 |
| Assets per employee ($millions) | 5.9179% | 2,877 |
| Cash dividends to net income (ytd only)* | 230.7692% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 533 |
| Loan loss allowance to noncurrent loans | 198.3636% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 880 |
| Noncurrent loans to loans | 1.0506% | 862 |
| Net loans and leases to total assets | 61.8709% | 1,876 |
| Net loans and leases to deposits | 74.4972% | 1,561 |
| Net loans and leases to core deposits | 77.7987% | 1,628 |
| Total domestic deposits to total assets | 83.0513% | 3,932 |
| Equity capital to assets | 10.4792% | 1,597 |
| Core capital (leverage) ratio | 11.0399% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0045% | 1,251 |
| Memoranda: | ||
| Average total assets | $77,464,500 | 4,248 |
| Average earning assets | $73,566,500 | 4,218 |
| Average equity | $8,710,500 | 4,183 |
| Average total loans | $53,528,500 | 3,910 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 793 |
| Cost of funding earning assets | 0.9060% | 109 |
| Net interest margin | 3.4376% | 1,912 |
| Noninterest income to average assets | 0.1414% | 4,446 |
| Noninterest expense to average assets | 2.4020% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7636% | 3,442 |
| Return on assets (ROA) | 0.7636% | 3,504 |
| Pretax return on assets | 0.9993% | 3,258 |
| Return on Equity (ROE) | 6.8224% | 3,560 |
| Retained earnings to average equity (ytd only) | 3.2649% | 3,515 |
| Net charge-offs to loans | 0.0127% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 838 |
| Efficiency ratio | 70.6199% | 1,665 |
| Assets per employee ($millions) | 5.1485% | 3,600 |
| Cash dividends to net income (ytd only)* | 52.1441% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 636 |
| Loan loss allowance to noncurrent loans | 187.4783% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 753 |
| Noncurrent loans to loans | 1.0511% | 931 |
| Net loans and leases to total assets | 74.4017% | 629 |
| Net loans and leases to deposits | 92.6570% | 433 |
| Net loans and leases to core deposits | 98.1156% | 607 |
| Total domestic deposits to total assets | 80.2980% | 4,189 |
| Equity capital to assets | 12.1242% | 1,204 |
| Core capital (leverage) ratio | 11.7139% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1082% | 1,238 |
| Memoranda: | ||
| Average total assets | $76,353,000 | 4,263 |
| Average earning assets | $72,405,800 | 4,225 |
| Average equity | $8,545,400 | 4,289 |
| Average total loans | $55,268,800 | 3,907 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 764 |
| Cost of funding earning assets | 0.9468% | 107 |
| Net interest margin | 3.4897% | 1,891 |
| Noninterest income to average assets | 0.1378% | 4,509 |
| Noninterest expense to average assets | 2.4489% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7595% | 3,627 |
| Return on assets (ROA) | 0.7595% | 3,692 |
| Pretax return on assets | 1.0023% | 3,450 |
| Return on Equity (ROE) | 6.9199% | 3,687 |
| Retained earnings to average equity (ytd only) | 2.1497% | 4,154 |
| Net charge-offs to loans | -0.0096% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9581% | 1,494 |
| Assets per employee ($millions) | 5.5623% | 3,132 |
| Cash dividends to net income (ytd only)* | 68.9342% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 715 |
| Loan loss allowance to noncurrent loans | 471.4286% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 2,288 |
| Noncurrent loans to loans | 0.4113% | 2,327 |
| Net loans and leases to total assets | 70.7199% | 1,019 |
| Net loans and leases to deposits | 86.7465% | 781 |
| Net loans and leases to core deposits | 93.3993% | 852 |
| Total domestic deposits to total assets | 81.5248% | 4,011 |
| Equity capital to assets | 11.0450% | 1,979 |
| Core capital (leverage) ratio | 11.0680% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4749% | 1,496 |
| Memoranda: | ||
| Average total assets | $77,421,500 | 4,310 |
| Average earning assets | $73,510,000 | 4,267 |
| Average equity | $8,497,000 | 4,352 |
| Average total loans | $55,409,500 | 3,955 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 498 |
| Cost of funding earning assets | 0.9556% | 138 |
| Net interest margin | 3.7952% | 1,145 |
| Noninterest income to average assets | 0.1268% | 4,566 |
| Noninterest expense to average assets | 2.4433% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9861% | 2,938 |
| Return on assets (ROA) | 0.9861% | 3,027 |
| Pretax return on assets | 1.2916% | 2,657 |
| Return on Equity (ROE) | 9.0046% | 3,097 |
| Retained earnings to average equity (ytd only) | 1.8198% | 4,155 |
| Net charge-offs to loans | -0.0073% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4193% | 2,236 |
| Assets per employee ($millions) | 5.6124% | 3,002 |
| Cash dividends to net income (ytd only)* | 79.7900% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 668 |
| Loan loss allowance to noncurrent loans | 301.1080% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 1,812 |
| Noncurrent loans to loans | 0.6489% | 1,791 |
| Net loans and leases to total assets | 69.4212% | 1,272 |
| Net loans and leases to deposits | 85.0874% | 978 |
| Net loans and leases to core deposits | 92.7512% | 961 |
| Total domestic deposits to total assets | 81.5881% | 3,995 |
| Equity capital to assets | 10.8776% | 2,089 |
| Core capital (leverage) ratio | 10.9982% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0272% | 1,332 |
| Memoranda: | ||
| Average total assets | $77,271,333 | 4,334 |
| Average earning assets | $73,461,667 | 4,291 |
| Average equity | $8,462,333 | 4,374 |
| Average total loans | $55,159,333 | 3,988 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 457 |
| Cost of funding earning assets | 0.9807% | 152 |
| Net interest margin | 3.8623% | 1,043 |
| Noninterest income to average assets | 0.1149% | 4,610 |
| Noninterest expense to average assets | 2.4850% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9867% | 2,847 |
| Return on assets (ROA) | 0.9867% | 2,945 |
| Pretax return on assets | 1.2895% | 2,593 |
| Return on Equity (ROE) | 8.9786% | 3,044 |
| Retained earnings to average equity (ytd only) | -5.4632% | 4,712 |
| Net charge-offs to loans | -0.0073% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8368% | 2,254 |
| Assets per employee ($millions) | 5.5667% | 3,049 |
| Cash dividends to net income (ytd only)* | 160.8466% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 540 |
| Loan loss allowance to noncurrent loans | 293.5135% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,966 |
| Noncurrent loans to loans | 0.6994% | 1,844 |
| Net loans and leases to total assets | 66.4909% | 1,735 |
| Net loans and leases to deposits | 81.6394% | 1,360 |
| Net loans and leases to core deposits | 88.9352% | 1,294 |
| Total domestic deposits to total assets | 81.4446% | 3,994 |
| Equity capital to assets | 10.7270% | 2,058 |
| Core capital (leverage) ratio | 10.8983% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5533% | 1,155 |
| Memoranda: | ||
| Average total assets | $76,620,000 | 4,357 |
| Average earning assets | $72,599,500 | 4,323 |
| Average equity | $8,420,000 | 4,395 |
| Average total loans | $54,922,000 | 4,011 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 758 |
| Cost of funding earning assets | 1.0854% | 426 |
| Net interest margin | 3.6961% | 1,813 |
| Noninterest income to average assets | 0.1365% | 4,607 |
| Noninterest expense to average assets | 2.7257% | 2,154 |
| Loan and lease loss provision to assets | 0.1254% | 2,793 |
| Net operating income to assets | 0.5836% | 3,805 |
| Return on assets (ROA) | 0.5836% | 3,910 |
| Pretax return on assets | 0.7716% | 3,701 |
| Return on Equity (ROE) | 5.0020% | 3,905 |
| Retained earnings to average equity (ytd only) | -0.6447% | 4,604 |
| Net charge-offs to loans | 0.1023% | 1,447 |
| Credit loss provision to net charge-offs | 147.5410% | 2,439 |
| Earnings coverage of net charge-offs (x) | 10.5574% | 2,453 |
| Efficiency ratio | 75.2403% | 1,310 |
| Assets per employee ($millions) | 5.3790% | 2,978 |
| Cash dividends to net income (ytd only)* | 112.8878% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 715 |
| Loan loss allowance to noncurrent loans | 220.9776% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 1,611 |
| Noncurrent loans to loans | 0.8623% | 1,637 |
| Net loans and leases to total assets | 74.1694% | 1,003 |
| Net loans and leases to deposits | 92.0483% | 774 |
| Net loans and leases to core deposits | 99.9159% | 899 |
| Total domestic deposits to total assets | 80.5766% | 3,947 |
| Equity capital to assets | 11.2607% | 2,046 |
| Core capital (leverage) ratio | 11.4733% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2582% | 1,462 |
| Memoranda: | ||
| Average total assets | $71,797,000 | 4,359 |
| Average earning assets | $67,720,000 | 4,327 |
| Average equity | $8,376,600 | 4,382 |
| Average total loans | $59,648,800 | 3,929 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 670 |
| Cost of funding earning assets | 1.0990% | 545 |
| Net interest margin | 3.8466% | 1,484 |
| Noninterest income to average assets | 0.1335% | 4,626 |
| Noninterest expense to average assets | 2.7636% | 2,078 |
| Loan and lease loss provision to assets | 0.1283% | 2,744 |
| Net operating income to assets | 0.6618% | 3,590 |
| Return on assets (ROA) | 0.6618% | 3,690 |
| Pretax return on assets | 0.8742% | 3,451 |
| Return on Equity (ROE) | 5.6201% | 3,683 |
| Retained earnings to average equity (ytd only) | -1.9000% | 4,698 |
| Net charge-offs to loans | 0.1370% | 1,058 |
| Credit loss provision to net charge-offs | 108.0645% | 2,565 |
| Earnings coverage of net charge-offs (x) | 8.5968% | 2,487 |
| Efficiency ratio | 73.3899% | 1,472 |
| Assets per employee ($millions) | 5.2457% | 2,954 |
| Cash dividends to net income (ytd only)* | 133.8068% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 891 |
| Loan loss allowance to noncurrent loans | 210.0990% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 1,691 |
| Noncurrent loans to loans | 0.8107% | 1,798 |
| Net loans and leases to total assets | 83.3769% | 329 |
| Net loans and leases to deposits | 103.3591% | 403 |
| Net loans and leases to core deposits | 112.0460% | 628 |
| Total domestic deposits to total assets | 80.6672% | 3,737 |
| Equity capital to assets | 11.4638% | 2,035 |
| Core capital (leverage) ratio | 11.9830% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4587% | 1,671 |
| Memoranda: | ||
| Average total assets | $70,919,750 | 4,375 |
| Average earning assets | $66,966,250 | 4,344 |
| Average equity | $8,350,750 | 4,407 |
| Average total loans | $60,326,250 | 3,934 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 719 |
| Cost of funding earning assets | 1.1332% | 643 |
| Net interest margin | 3.9420% | 1,461 |
| Noninterest income to average assets | 0.1398% | 4,600 |
| Noninterest expense to average assets | 2.8168% | 2,056 |
| Loan and lease loss provision to assets | 0.1284% | 2,741 |
| Net operating income to assets | 0.6878% | 3,434 |
| Return on assets (ROA) | 0.6878% | 3,534 |
| Pretax return on assets | 0.9075% | 3,295 |
| Return on Equity (ROE) | 5.7877% | 3,584 |
| Retained earnings to average equity (ytd only) | -5.4995% | 4,792 |
| Net charge-offs to loans | 0.2145% | 721 |
| Credit loss provision to net charge-offs | 70.3125% | 2,545 |
| Earnings coverage of net charge-offs (x) | 5.6719% | 2,496 |
| Efficiency ratio | 73.1111% | 1,553 |
| Assets per employee ($millions) | 4.7627% | 3,452 |
| Cash dividends to net income (ytd only)* | 195.0207% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 812 |
| Loan loss allowance to noncurrent loans | 200.9690% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 1,707 |
| Noncurrent loans to loans | 0.8459% | 1,798 |
| Net loans and leases to total assets | 83.9378% | 258 |
| Net loans and leases to deposits | 100.7053% | 508 |
| Net loans and leases to core deposits | 108.4553% | 791 |
| Total domestic deposits to total assets | 83.3499% | 2,972 |
| Equity capital to assets | 11.6348% | 1,885 |
| Core capital (leverage) ratio | 11.9909% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6991% | 1,571 |
| Memoranda: | ||
| Average total assets | $70,079,667 | 4,397 |
| Average earning assets | $66,007,333 | 4,375 |
| Average equity | $8,328,000 | 4,429 |
| Average total loans | $59,670,667 | 3,954 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 965 |
| Cost of funding earning assets | 1.2059% | 761 |
| Net interest margin | 3.7961% | 1,993 |
| Noninterest income to average assets | 0.1614% | 4,567 |
| Noninterest expense to average assets | 2.8819% | 2,177 |
| Loan and lease loss provision to assets | 0.1326% | 2,069 |
| Net operating income to assets | 0.5303% | 3,809 |
| Return on assets (ROA) | 0.5303% | 3,869 |
| Pretax return on assets | 0.7032% | 3,680 |
| Return on Equity (ROE) | 4.4146% | 3,844 |
| Retained earnings to average equity (ytd only) | -18.1382% | 4,938 |
| Net charge-offs to loans | 0.0203% | 1,958 |
| Credit loss provision to net charge-offs | 766.6667% | 678 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 918 |
| Efficiency ratio | 77.5194% | 1,394 |
| Assets per employee ($millions) | 4.7431% | 2,940 |
| Cash dividends to net income (ytd only)* | 510.8696% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 649 |
| Loan loss allowance to noncurrent loans | 179.0349% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 1,588 |
| Noncurrent loans to loans | 1.0393% | 1,603 |
| Net loans and leases to total assets | 79.7701% | 724 |
| Net loans and leases to deposits | 95.7050% | 942 |
| Net loans and leases to core deposits | 103.2604% | 1,232 |
| Total domestic deposits to total assets | 83.3500% | 2,999 |
| Equity capital to assets | 11.4650% | 2,469 |
| Core capital (leverage) ratio | 11.7796% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7772% | 1,665 |
| Memoranda: | ||
| Average total assets | $69,399,000 | 4,424 |
| Average earning assets | $65,014,500 | 4,398 |
| Average equity | $8,336,000 | 4,451 |
| Average total loans | $59,004,500 | 3,972 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 943 |
| Cost of funding earning assets | 1.1848% | 1,061 |
| Net interest margin | 4.0370% | 1,724 |
| Noninterest income to average assets | 0.2281% | 4,302 |
| Noninterest expense to average assets | 2.9361% | 2,180 |
| Loan and lease loss provision to assets | 0.1354% | 1,577 |
| Net operating income to assets | 0.7182% | 3,808 |
| Return on assets (ROA) | 0.7182% | 3,871 |
| Pretax return on assets | 0.9478% | 3,609 |
| Return on Equity (ROE) | 5.8727% | 3,955 |
| Retained earnings to average equity (ytd only) | 2.8040% | 3,635 |
| Net charge-offs to loans | 0.0118% | 3,266 |
| Credit loss provision to net charge-offs | 1,314.2857% | 263 |
| Earnings coverage of net charge-offs (x) | 105.1429% | 655 |
| Efficiency ratio | 73.0502% | 1,726 |
| Assets per employee ($millions) | 4.5101% | 3,203 |
| Cash dividends to net income (ytd only)* | 52.2541% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 711 |
| Loan loss allowance to noncurrent loans | 160.7306% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 1,292 |
| Noncurrent loans to loans | 1.0917% | 1,383 |
| Net loans and leases to total assets | 87.3941% | 105 |
| Net loans and leases to deposits | 106.6836% | 273 |
| Net loans and leases to core deposits | 115.7459% | 609 |
| Total domestic deposits to total assets | 81.9190% | 3,527 |
| Equity capital to assets | 12.5867% | 1,777 |
| Core capital (leverage) ratio | 12.5372% | 1,469 |
| Tier 1 risk-based capital ratio | 14.6034% | 2,962 |
| Total risk-based capital ratio | 15.8600% | 2,862 |
| Memoranda: | ||
| Average total assets | $67,948,000 | 4,466 |
| Average earning assets | $63,809,400 | 4,438 |
| Average equity | $8,309,600 | 4,472 |
| Average total loans | $59,432,800 | 3,995 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 1,180 |
| Cost of funding earning assets | 1.1519% | 1,168 |
| Net interest margin | 3.9878% | 1,986 |
| Noninterest income to average assets | 0.2431% | 4,280 |
| Noninterest expense to average assets | 2.9539% | 2,097 |
| Loan and lease loss provision to assets | 0.1352% | 1,419 |
| Net operating income to assets | 0.6919% | 4,037 |
| Return on assets (ROA) | 0.6919% | 4,096 |
| Pretax return on assets | 0.9134% | 3,829 |
| Return on Equity (ROE) | 5.6991% | 4,127 |
| Retained earnings to average equity (ytd only) | 1.7598% | 4,347 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8002% | 1,600 |
| Assets per employee ($millions) | 4.6714% | 2,946 |
| Cash dividends to net income (ytd only)* | 69.1236% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 879 |
| Loan loss allowance to noncurrent loans | 145.2514% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 1,311 |
| Noncurrent loans to loans | 1.1441% | 1,383 |
| Net loans and leases to total assets | 87.8281% | 101 |
| Net loans and leases to deposits | 106.4943% | 301 |
| Net loans and leases to core deposits | 115.1308% | 692 |
| Total domestic deposits to total assets | 82.4721% | 3,329 |
| Equity capital to assets | 11.9736% | 2,279 |
| Core capital (leverage) ratio | 12.5144% | 1,562 |
| Tier 1 risk-based capital ratio | 13.8690% | 3,391 |
| Total risk-based capital ratio | 15.1250% | 3,302 |
| Memoranda: | ||
| Average total assets | $68,022,250 | 4,513 |
| Average earning assets | $64,126,750 | 4,490 |
| Average equity | $8,258,250 | 4,530 |
| Average total loans | $59,246,250 | 4,050 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 1,291 |
| Cost of funding earning assets | 1.1076% | 1,270 |
| Net interest margin | 3.9665% | 2,027 |
| Noninterest income to average assets | 0.2822% | 4,054 |
| Noninterest expense to average assets | 3.0176% | 1,962 |
| Loan and lease loss provision to assets | 0.1396% | 1,329 |
| Net operating income to assets | 0.6504% | 4,164 |
| Return on assets (ROA) | 0.6504% | 4,214 |
| Pretax return on assets | 0.8583% | 3,954 |
| Return on Equity (ROE) | 5.3321% | 4,253 |
| Retained earnings to average equity (ytd only) | -0.3409% | 4,740 |
| Net charge-offs to loans | 0.0069% | 2,903 |
| Credit loss provision to net charge-offs | 2,350.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 452 |
| Efficiency ratio | 75.1479% | 1,499 |
| Assets per employee ($millions) | 4.5264% | 3,102 |
| Cash dividends to net income (ytd only)* | 106.3927% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 780 |
| Loan loss allowance to noncurrent loans | 136.0107% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 1,234 |
| Noncurrent loans to loans | 1.2661% | 1,254 |
| Net loans and leases to total assets | 85.4012% | 260 |
| Net loans and leases to deposits | 103.9792% | 422 |
| Net loans and leases to core deposits | 108.5456% | 1,062 |
| Total domestic deposits to total assets | 82.1330% | 3,476 |
| Equity capital to assets | 12.1701% | 2,068 |
| Core capital (leverage) ratio | 13.0298% | 1,287 |
| Tier 1 risk-based capital ratio | 14.5473% | 3,045 |
| Total risk-based capital ratio | 15.8047% | 2,964 |
| Memoranda: | ||
| Average total assets | $67,339,330 | 4,562 |
| Average earning assets | $63,380,330 | 4,540 |
| Average equity | $8,214,330 | 4,554 |
| Average total loans | $58,134,330 | 4,089 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 1,300 |
| Cost of funding earning assets | 1.0629% | 1,323 |
| Net interest margin | 3.9524% | 2,013 |
| Noninterest income to average assets | 0.2386% | 4,296 |
| Noninterest expense to average assets | 3.0539% | 1,841 |
| Loan and lease loss provision to assets | 0.1432% | 1,194 |
| Net operating income to assets | 0.5666% | 4,344 |
| Return on assets (ROA) | 0.5666% | 4,373 |
| Pretax return on assets | 0.7456% | 4,183 |
| Return on Equity (ROE) | 4.6398% | 4,430 |
| Retained earnings to average equity (ytd only) | -6.2027% | 4,983 |
| Net charge-offs to loans | 0.0208% | 2,036 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,033 |
| Efficiency ratio | 77.4584% | 1,332 |
| Assets per employee ($millions) | 4.4388% | 3,274 |
| Cash dividends to net income (ytd only)* | 233.6842% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 773 |
| Loan loss allowance to noncurrent loans | 151.4504% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 1,266 |
| Noncurrent loans to loans | 1.1571% | 1,444 |
| Net loans and leases to total assets | 83.5256% | 416 |
| Net loans and leases to deposits | 102.0459% | 497 |
| Net loans and leases to core deposits | 105.7704% | 1,188 |
| Total domestic deposits to total assets | 81.8510% | 3,763 |
| Equity capital to assets | 12.2165% | 1,901 |
| Core capital (leverage) ratio | 12.8809% | 1,330 |
| Tier 1 risk-based capital ratio | 14.8379% | 2,943 |
| Total risk-based capital ratio | 16.0947% | 2,875 |
| Memoranda: | ||
| Average total assets | $67,061,000 | 4,618 |
| Average earning assets | $62,847,500 | 4,597 |
| Average equity | $8,190,000 | 4,594 |
| Average total loans | $57,701,500 | 4,136 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 1,026 |
| Cost of funding earning assets | 0.9333% | 982 |
| Net interest margin | 4.0766% | 1,756 |
| Noninterest income to average assets | 0.2681% | 4,316 |
| Noninterest expense to average assets | 2.9503% | 2,190 |
| Loan and lease loss provision to assets | 0.1896% | 1,010 |
| Net operating income to assets | 0.7198% | 4,080 |
| Return on assets (ROA) | 0.7198% | 4,085 |
| Pretax return on assets | 0.9449% | 3,774 |
| Return on Equity (ROE) | 6.0564% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.4114% | 3,109 |
| Net charge-offs to loans | 0.0899% | 1,882 |
| Credit loss provision to net charge-offs | 237.0370% | 1,245 |
| Earnings coverage of net charge-offs (x) | 14.1852% | 2,393 |
| Efficiency ratio | 72.2263% | 1,866 |
| Assets per employee ($millions) | 4.5027% | 3,164 |
| Cash dividends to net income (ytd only)* | 27.1605% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 923 |
| Loan loss allowance to noncurrent loans | 146.8986% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0882% | 1,239 |
| Noncurrent loans to loans | 1.1242% | 1,435 |
| Net loans and leases to total assets | 85.6189% | 261 |
| Net loans and leases to deposits | 104.7116% | 445 |
| Net loans and leases to core deposits | 108.4812% | 1,089 |
| Total domestic deposits to total assets | 81.7664% | 3,703 |
| Equity capital to assets | 12.2091% | 1,753 |
| Core capital (leverage) ratio | 12.7097% | 1,369 |
| Tier 1 risk-based capital ratio | 14.4505% | 3,085 |
| Total risk-based capital ratio | 15.7064% | 2,991 |
| Memoranda: | ||
| Average total assets | $67,518,000 | 4,621 |
| Average earning assets | $63,214,200 | 4,606 |
| Average equity | $8,024,600 | 4,601 |
| Average total loans | $60,044,800 | 4,090 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 1,044 |
| Cost of funding earning assets | 0.8549% | 1,095 |
| Net interest margin | 4.0955% | 1,646 |
| Noninterest income to average assets | 0.2785% | 4,285 |
| Noninterest expense to average assets | 3.0176% | 1,967 |
| Loan and lease loss provision to assets | 0.1442% | 1,379 |
| Net operating income to assets | 0.7307% | 4,135 |
| Return on assets (ROA) | 0.7307% | 4,143 |
| Pretax return on assets | 0.9578% | 3,855 |
| Return on Equity (ROE) | 6.1903% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.9819% | 3,782 |
| Net charge-offs to loans | 0.0442% | 2,214 |
| Credit loss provision to net charge-offs | 365.0000% | 866 |
| Earnings coverage of net charge-offs (x) | 27.8958% | 1,689 |
| Efficiency ratio | 73.2502% | 1,693 |
| Assets per employee ($millions) | 4.6798% | 2,871 |
| Cash dividends to net income (ytd only)* | 35.6766% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,317 |
| Loan loss allowance to noncurrent loans | 186.6405% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 1,763 |
| Noncurrent loans to loans | 0.8088% | 2,088 |
| Net loans and leases to total assets | 88.3029% | 130 |
| Net loans and leases to deposits | 115.2327% | 159 |
| Net loans and leases to core deposits | 119.4957% | 586 |
| Total domestic deposits to total assets | 76.6301% | 4,702 |
| Equity capital to assets | 11.5617% | 2,215 |
| Core capital (leverage) ratio | 12.2079% | 1,664 |
| Tier 1 risk-based capital ratio | 13.3657% | 3,698 |
| Total risk-based capital ratio | 14.6199% | 3,624 |
| Memoranda: | ||
| Average total assets | $67,512,500 | 4,669 |
| Average earning assets | $63,320,250 | 4,650 |
| Average equity | $7,969,250 | 4,659 |
| Average total loans | $60,356,500 | 4,127 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,015 |
| Cost of funding earning assets | 0.8049% | 1,106 |
| Net interest margin | 4.0985% | 1,563 |
| Noninterest income to average assets | 0.3152% | 4,067 |
| Noninterest expense to average assets | 3.0653% | 1,872 |
| Loan and lease loss provision to assets | 0.1471% | 1,294 |
| Net operating income to assets | 0.7205% | 4,137 |
| Return on assets (ROA) | 0.7205% | 4,143 |
| Pretax return on assets | 0.9397% | 3,844 |
| Return on Equity (ROE) | 6.0604% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.7272% | 4,158 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8250% | 1,730 |
| Assets per employee ($millions) | 4.3620% | 3,337 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,171 |
| Loan loss allowance to noncurrent loans | 167.4336% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 1,519 |
| Noncurrent loans to loans | 0.9401% | 1,851 |
| Net loans and leases to total assets | 90.4111% | 66 |
| Net loans and leases to deposits | 117.9464% | 128 |
| Net loans and leases to core deposits | 120.1479% | 558 |
| Total domestic deposits to total assets | 76.6544% | 4,778 |
| Equity capital to assets | 12.2161% | 1,714 |
| Core capital (leverage) ratio | 12.2754% | 1,555 |
| Tier 1 risk-based capital ratio | 14.0459% | 3,337 |
| Total risk-based capital ratio | 15.3019% | 3,256 |
| Memoranda: | ||
| Average total assets | $66,617,670 | 4,748 |
| Average earning assets | $62,364,330 | 4,724 |
| Average equity | $7,920,330 | 4,710 |
| Average total loans | $59,496,670 | 4,175 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 1,190 |
| Cost of funding earning assets | 0.7896% | 992 |
| Net interest margin | 3.9610% | 1,843 |
| Noninterest income to average assets | 0.3392% | 3,880 |
| Noninterest expense to average assets | 3.1304% | 1,741 |
| Loan and lease loss provision to assets | 0.1428% | 1,320 |
| Net operating income to assets | 0.5892% | 4,453 |
| Return on assets (ROA) | 0.5892% | 4,459 |
| Pretax return on assets | 0.7677% | 4,229 |
| Return on Equity (ROE) | 5.0228% | 4,479 |
| Retained earnings to average equity (ytd only) | -1.1162% | 4,921 |
| Net charge-offs to loans | 0.0743% | 1,379 |
| Credit loss provision to net charge-offs | 218.1818% | 988 |
| Earnings coverage of net charge-offs (x) | 13.9091% | 1,735 |
| Efficiency ratio | 77.4669% | 1,407 |
| Assets per employee ($millions) | 4.1049% | 3,795 |
| Cash dividends to net income (ytd only)* | 122.2222% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,251 |
| Loan loss allowance to noncurrent loans | 138.9313% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 1,302 |
| Noncurrent loans to loans | 1.1244% | 1,631 |
| Net loans and leases to total assets | 87.3063% | 175 |
| Net loans and leases to deposits | 107.5735% | 324 |
| Net loans and leases to core deposits | 109.4607% | 1,033 |
| Total domestic deposits to total assets | 81.1596% | 4,160 |
| Equity capital to assets | 11.9781% | 1,807 |
| Core capital (leverage) ratio | 12.0658% | 1,613 |
| Tier 1 risk-based capital ratio | 14.2135% | 3,275 |
| Total risk-based capital ratio | 15.4678% | 3,189 |
| Memoranda: | ||
| Average total assets | $67,211,500 | 4,792 |
| Average earning assets | $62,813,000 | 4,773 |
| Average equity | $7,884,000 | 4,765 |
| Average total loans | $59,194,000 | 4,217 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 933 |
| Cost of funding earning assets | 0.7891% | 656 |
| Net interest margin | 4.0347% | 1,642 |
| Noninterest income to average assets | 0.1456% | 5,221 |
| Noninterest expense to average assets | 2.9337% | 2,333 |
| Loan and lease loss provision to assets | 0.1285% | 1,781 |
| Net operating income to assets | 0.5824% | 4,088 |
| Return on assets (ROA) | 0.5824% | 4,128 |
| Pretax return on assets | 0.8865% | 3,956 |
| Return on Equity (ROE) | 5.3201% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.3120% | 3,312 |
| Net charge-offs to loans | 0.0194% | 3,459 |
| Credit loss provision to net charge-offs | 750.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 964 |
| Efficiency ratio | 74.2950% | 1,856 |
| Assets per employee ($millions) | 4.2966% | 3,487 |
| Cash dividends to net income (ytd only)* | 37.7451% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,433 |
| Loan loss allowance to noncurrent loans | 115.0000% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 1,100 |
| Noncurrent loans to loans | 1.2970% | 1,349 |
| Net loans and leases to total assets | 86.1735% | 243 |
| Net loans and leases to deposits | 108.0963% | 322 |
| Net loans and leases to core deposits | 110.0093% | 1,005 |
| Total domestic deposits to total assets | 79.7193% | 4,389 |
| Equity capital to assets | 11.4932% | 2,210 |
| Core capital (leverage) ratio | 11.6501% | 1,829 |
| Tier 1 risk-based capital ratio | 13.7607% | 3,487 |
| Total risk-based capital ratio | 15.0143% | 3,404 |
| Memoranda: | ||
| Average total assets | $70,049,000 | 4,775 |
| Average earning assets | $66,027,400 | 4,742 |
| Average equity | $7,669,000 | 4,832 |
| Average total loans | $61,767,400 | 4,159 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 978 |
| Cost of funding earning assets | 0.7775% | 660 |
| Net interest margin | 3.9954% | 1,719 |
| Noninterest income to average assets | 0.1345% | 5,336 |
| Noninterest expense to average assets | 2.9157% | 2,349 |
| Loan and lease loss provision to assets | 0.1288% | 1,680 |
| Net operating income to assets | 0.5778% | 4,467 |
| Return on assets (ROA) | 0.5778% | 4,509 |
| Pretax return on assets | 0.8772% | 4,116 |
| Return on Equity (ROE) | 5.3431% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.8379% | 4,213 |
| Net charge-offs to loans | -0.0021% | 4,327 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3478% | 1,840 |
| Assets per employee ($millions) | 4.5064% | 3,128 |
| Cash dividends to net income (ytd only)* | 46.8844% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,968 |
| Loan loss allowance to noncurrent loans | 267.4699% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,606 |
| Noncurrent loans to loans | 0.5166% | 3,152 |
| Net loans and leases to total assets | 87.8923% | 159 |
| Net loans and leases to deposits | 111.8656% | 220 |
| Net loans and leases to core deposits | 113.7797% | 854 |
| Total domestic deposits to total assets | 78.5695% | 4,617 |
| Equity capital to assets | 10.7222% | 3,143 |
| Core capital (leverage) ratio | 11.3963% | 2,102 |
| Tier 1 risk-based capital ratio | 12.6207% | 4,249 |
| Total risk-based capital ratio | 13.8734% | 4,147 |
| Memoranda: | ||
| Average total assets | $70,375,000 | 4,821 |
| Average earning assets | $66,708,000 | 4,779 |
| Average equity | $7,611,000 | 4,889 |
| Average total loans | $62,175,000 | 4,181 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 927 |
| Cost of funding earning assets | 0.7734% | 602 |
| Net interest margin | 3.9938% | 1,623 |
| Noninterest income to average assets | 0.1289% | 5,406 |
| Noninterest expense to average assets | 2.8940% | 2,444 |
| Loan and lease loss provision to assets | 0.1289% | 1,613 |
| Net operating income to assets | 0.5931% | 4,343 |
| Return on assets (ROA) | 0.5931% | 4,385 |
| Pretax return on assets | 0.8940% | 3,954 |
| Return on Equity (ROE) | 5.4682% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.9812% | 4,464 |
| Net charge-offs to loans | -0.0033% | 4,245 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8844% | 2,035 |
| Assets per employee ($millions) | 4.2926% | 3,446 |
| Cash dividends to net income (ytd only)* | 63.7681% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,756 |
| Loan loss allowance to noncurrent loans | 227.0341% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7397% | 2,348 |
| Noncurrent loans to loans | 0.6391% | 2,815 |
| Net loans and leases to total assets | 85.5448% | 306 |
| Net loans and leases to deposits | 103.6738% | 512 |
| Net loans and leases to core deposits | 105.9529% | 1,236 |
| Total domestic deposits to total assets | 82.5134% | 3,723 |
| Equity capital to assets | 11.1268% | 2,676 |
| Core capital (leverage) ratio | 11.1893% | 2,232 |
| Tier 1 risk-based capital ratio | 13.3655% | 3,766 |
| Total risk-based capital ratio | 14.6188% | 3,685 |
| Memoranda: | ||
| Average total assets | $69,799,000 | 4,865 |
| Average earning assets | $66,202,000 | 4,825 |
| Average equity | $7,571,000 | 4,919 |
| Average total loans | $61,479,670 | 4,225 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 1,145 |
| Cost of funding earning assets | 0.7618% | 612 |
| Net interest margin | 3.8388% | 1,989 |
| Noninterest income to average assets | 0.1023% | 5,583 |
| Noninterest expense to average assets | 2.7460% | 2,968 |
| Loan and lease loss provision to assets | 0.1251% | 1,536 |
| Net operating income to assets | 0.5799% | 4,239 |
| Return on assets (ROA) | 0.5799% | 4,281 |
| Pretax return on assets | 0.8698% | 3,868 |
| Return on Equity (ROE) | 5.4144% | 4,187 |
| Retained earnings to average equity (ytd only) | -0.9555% | 5,055 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4043% | 2,341 |
| Assets per employee ($millions) | 4.3881% | 3,355 |
| Cash dividends to net income (ytd only)* | 117.6471% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,317 |
| Loan loss allowance to noncurrent loans | 86.9700% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 1,013 |
| Noncurrent loans to loans | 1.5490% | 1,269 |
| Net loans and leases to total assets | 87.7181% | 125 |
| Net loans and leases to deposits | 106.3625% | 309 |
| Net loans and leases to core deposits | 108.6479% | 937 |
| Total domestic deposits to total assets | 82.4709% | 4,033 |
| Equity capital to assets | 10.7337% | 2,922 |
| Core capital (leverage) ratio | 10.6035% | 2,788 |
| Tier 1 risk-based capital ratio | 12.7450% | 4,227 |
| Total risk-based capital ratio | 13.9977% | 4,130 |
| Memoranda: | ||
| Average total assets | $70,358,000 | 4,909 |
| Average earning assets | $66,688,000 | 4,863 |
| Average equity | $7,535,500 | 4,964 |
| Average total loans | $62,410,500 | 4,230 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 907 |
| Cost of funding earning assets | 0.7368% | 671 |
| Net interest margin | 4.0526% | 1,485 |
| Noninterest income to average assets | 0.1328% | 5,523 |
| Noninterest expense to average assets | 2.6670% | 3,464 |
| Loan and lease loss provision to assets | 0.1271% | 1,951 |
| Net operating income to assets | 0.7713% | 3,450 |
| Return on assets (ROA) | 0.7713% | 3,546 |
| Pretax return on assets | 1.1612% | 2,850 |
| Return on Equity (ROE) | 8.1021% | 2,884 |
| Retained earnings to average equity (ytd only) | 7.5976% | 1,000 |
| Net charge-offs to loans | -0.0032% | 4,751 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4286% | 3,359 |
| Assets per employee ($millions) | 4.4067% | 3,268 |
| Cash dividends to net income (ytd only)* | 6.2271% | 4,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,478 |
| Loan loss allowance to noncurrent loans | 95.7895% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 1,235 |
| Noncurrent loans to loans | 1.3703% | 1,496 |
| Net loans and leases to total assets | 87.3318% | 159 |
| Net loans and leases to deposits | 107.0702% | 300 |
| Net loans and leases to core deposits | 110.3653% | 876 |
| Total domestic deposits to total assets | 81.5650% | 4,190 |
| Equity capital to assets | 10.6869% | 2,942 |
| Core capital (leverage) ratio | 10.2916% | 3,118 |
| Tier 1 risk-based capital ratio | 12.6026% | 4,322 |
| Total risk-based capital ratio | 13.8546% | 4,216 |
| Memoranda: | ||
| Average total assets | $70,791,800 | 4,920 |
| Average earning assets | $66,771,400 | 4,876 |
| Average equity | $6,739,000 | 5,144 |
| Average total loans | $62,296,800 | 4,218 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 977 |
| Cost of funding earning assets | 0.7100% | 774 |
| Net interest margin | 4.0444% | 1,542 |
| Noninterest income to average assets | 0.1223% | 5,636 |
| Noninterest expense to average assets | 2.7640% | 3,128 |
| Loan and lease loss provision to assets | 0.1279% | 1,828 |
| Net operating income to assets | 0.6962% | 3,873 |
| Return on assets (ROA) | 0.6962% | 4,003 |
| Pretax return on assets | 1.0461% | 3,446 |
| Return on Equity (ROE) | 7.5431% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.0538% | 1,600 |
| Net charge-offs to loans | -0.0021% | 4,502 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1863% | 2,860 |
| Assets per employee ($millions) | 4.6676% | 2,806 |
| Cash dividends to net income (ytd only)* | 6.4867% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 3,222 |
| Loan loss allowance to noncurrent loans | 94.7619% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2935% | 1,491 |
| Noncurrent loans to loans | 1.2692% | 1,767 |
| Net loans and leases to total assets | 87.5512% | 167 |
| Net loans and leases to deposits | 121.4116% | 102 |
| Net loans and leases to core deposits | 123.5287% | 425 |
| Total domestic deposits to total assets | 72.1111% | 5,590 |
| Equity capital to assets | 9.9582% | 4,169 |
| Core capital (leverage) ratio | 10.2309% | 3,300 |
| Tier 1 risk-based capital ratio | 11.9460% | 4,821 |
| Total risk-based capital ratio | 13.1972% | 4,711 |
| Memoranda: | ||
| Average total assets | $70,863,000 | 4,957 |
| Average earning assets | $66,855,500 | 4,915 |
| Average equity | $6,540,000 | 5,228 |
| Average total loans | $62,272,500 | 4,247 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 939 |
| Cost of funding earning assets | 0.7030% | 790 |
| Net interest margin | 4.0628% | 1,470 |
| Noninterest income to average assets | 0.1293% | 5,672 |
| Noninterest expense to average assets | 2.8050% | 3,011 |
| Loan and lease loss provision to assets | 0.1293% | 1,769 |
| Net operating income to assets | 0.6869% | 3,862 |
| Return on assets (ROA) | 0.6869% | 4,009 |
| Pretax return on assets | 1.0318% | 3,474 |
| Return on Equity (ROE) | 7.6590% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.8899% | 1,665 |
| Net charge-offs to loans | -0.0033% | 4,448 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7246% | 2,871 |
| Assets per employee ($millions) | 4.5097% | 3,004 |
| Cash dividends to net income (ytd only)* | 10.0418% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 3,314 |
| Loan loss allowance to noncurrent loans | 124.2765% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 2,113 |
| Noncurrent loans to loans | 0.9719% | 2,339 |
| Net loans and leases to total assets | 87.6280% | 156 |
| Net loans and leases to deposits | 114.9935% | 164 |
| Net loans and leases to core deposits | 116.9524% | 612 |
| Total domestic deposits to total assets | 76.2026% | 5,260 |
| Equity capital to assets | 10.1365% | 4,044 |
| Core capital (leverage) ratio | 10.3182% | 3,167 |
| Tier 1 risk-based capital ratio | 12.2088% | 4,697 |
| Total risk-based capital ratio | 13.4588% | 4,618 |
| Memoranda: | ||
| Average total assets | $69,590,000 | 5,033 |
| Average earning assets | $65,718,330 | 4,989 |
| Average equity | $6,241,000 | 5,343 |
| Average total loans | $60,969,670 | 4,314 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 1,128 |
| Cost of funding earning assets | 0.6835% | 872 |
| Net interest margin | 3.9768% | 1,686 |
| Noninterest income to average assets | 0.1171% | 5,761 |
| Noninterest expense to average assets | 2.8225% | 2,984 |
| Loan and lease loss provision to assets | 0.1347% | 1,565 |
| Net operating income to assets | 0.6090% | 4,139 |
| Return on assets (ROA) | 0.6090% | 4,259 |
| Pretax return on assets | 0.9077% | 3,817 |
| Return on Equity (ROE) | 7.2925% | 3,293 |
| Retained earnings to average equity (ytd only) | 6.4510% | 2,164 |
| Net charge-offs to loans | -0.0067% | 4,381 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0303% | 2,636 |
| Assets per employee ($millions) | 4.3326% | 3,357 |
| Cash dividends to net income (ytd only)* | 11.5385% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 3,203 |
| Loan loss allowance to noncurrent loans | 151.1066% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 2,532 |
| Noncurrent loans to loans | 0.8261% | 2,771 |
| Net loans and leases to total assets | 85.7013% | 240 |
| Net loans and leases to deposits | 116.4494% | 123 |
| Net loans and leases to core deposits | 117.7418% | 540 |
| Total domestic deposits to total assets | 73.5953% | 5,650 |
| Equity capital to assets | 8.3164% | 5,688 |
| Core capital (leverage) ratio | 8.5006% | 5,392 |
| Tier 1 risk-based capital ratio | 10.2622% | 5,843 |
| Total risk-based capital ratio | 11.5944% | 5,736 |
| Memoranda: | ||
| Average total assets | $68,307,500 | 5,111 |
| Average earning assets | $64,373,000 | 5,070 |
| Average equity | $5,704,500 | 5,471 |
| Average total loans | $59,454,000 | 4,390 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 959 |
| Cost of funding earning assets | 0.6911% | 862 |
| Net interest margin | 4.0889% | 1,440 |
| Noninterest income to average assets | 0.1539% | 5,647 |
| Noninterest expense to average assets | 2.8620% | 2,987 |
| Loan and lease loss provision to assets | 0.1897% | 1,170 |
| Net operating income to assets | 0.6094% | 4,225 |
| Return on assets (ROA) | 0.6094% | 4,323 |
| Pretax return on assets | 0.9374% | 3,701 |
| Return on Equity (ROE) | 7.1977% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.5367% | 1,519 |
| Net charge-offs to loans | 0.0054% | 4,262 |
| Credit loss provision to net charge-offs | 4,066.6667% | 91 |
| Earnings coverage of net charge-offs (x) | 241.6667% | 291 |
| Efficiency ratio | 71.7459% | 2,946 |
| Assets per employee ($millions) | 4.2059% | 3,558 |
| Cash dividends to net income (ytd only)* | 9.1837% | 4,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 3,261 |
| Loan loss allowance to noncurrent loans | 148.9754% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 2,481 |
| Noncurrent loans to loans | 0.8307% | 2,712 |
| Net loans and leases to total assets | 86.2202% | 215 |
| Net loans and leases to deposits | 120.6157% | 98 |
| Net loans and leases to core deposits | 131.3852% | 249 |
| Total domestic deposits to total assets | 71.4833% | 5,824 |
| Equity capital to assets | 8.3871% | 5,642 |
| Core capital (leverage) ratio | 8.4197% | 5,506 |
| Tier 1 risk-based capital ratio | 10.1010% | 5,926 |
| Total risk-based capital ratio | 11.4079% | 5,837 |
| Memoranda: | ||
| Average total assets | $64,326,400 | 5,216 |
| Average earning assets | $60,334,600 | 5,177 |
| Average equity | $5,446,200 | 5,551 |
| Average total loans | $55,781,800 | 4,508 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 993 |
| Cost of funding earning assets | 0.6972% | 853 |
| Net interest margin | 4.0671% | 1,506 |
| Noninterest income to average assets | 0.1384% | 5,793 |
| Noninterest expense to average assets | 2.8958% | 2,860 |
| Loan and lease loss provision to assets | 0.1405% | 1,580 |
| Net operating income to assets | 0.5955% | 4,404 |
| Return on assets (ROA) | 0.5955% | 4,504 |
| Pretax return on assets | 0.9184% | 3,920 |
| Return on Equity (ROE) | 7.0164% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.4235% | 2,004 |
| Net charge-offs to loans | -0.0024% | 4,724 |
| Credit loss provision to net charge-offs | -6,700.0000% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2238% | 2,682 |
| Assets per employee ($millions) | 4.2039% | 3,509 |
| Cash dividends to net income (ytd only)* | 8.4509% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,898 |
| Loan loss allowance to noncurrent loans | 116.9550% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 2,382 |
| Noncurrent loans to loans | 0.9881% | 2,520 |
| Net loans and leases to total assets | 85.9624% | 232 |
| Net loans and leases to deposits | 119.8913% | 104 |
| Net loans and leases to core deposits | 132.8127% | 238 |
| Total domestic deposits to total assets | 71.7002% | 5,883 |
| Equity capital to assets | 8.2528% | 5,848 |
| Core capital (leverage) ratio | 8.4176% | 5,616 |
| Tier 1 risk-based capital ratio | 9.9816% | 6,047 |
| Total risk-based capital ratio | 11.2018% | 6,014 |
| Memoranda: | ||
| Average total assets | $63,584,500 | 5,293 |
| Average earning assets | $59,664,500 | 5,260 |
| Average equity | $5,396,750 | 5,631 |
| Average total loans | $55,040,250 | 4,573 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 1,015 |
| Cost of funding earning assets | 0.7153% | 781 |
| Net interest margin | 4.0147% | 1,599 |
| Noninterest income to average assets | 0.1347% | 5,883 |
| Noninterest expense to average assets | 2.9218% | 2,809 |
| Loan and lease loss provision to assets | 0.1443% | 1,492 |
| Net operating income to assets | 0.5420% | 4,591 |
| Return on assets (ROA) | 0.5420% | 4,703 |
| Pretax return on assets | 0.8307% | 4,204 |
| Return on Equity (ROE) | 6.3233% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.4253% | 2,582 |
| Net charge-offs to loans | -0.0037% | 4,672 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9794% | 2,540 |
| Assets per employee ($millions) | 3.7744% | 4,287 |
| Cash dividends to net income (ytd only)* | 14.2012% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,873 |
| Loan loss allowance to noncurrent loans | 87.9032% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 1,943 |
| Noncurrent loans to loans | 1.3495% | 1,995 |
| Net loans and leases to total assets | 84.9059% | 297 |
| Net loans and leases to deposits | 111.2248% | 233 |
| Net loans and leases to core deposits | 124.1970% | 373 |
| Total domestic deposits to total assets | 76.3372% | 5,552 |
| Equity capital to assets | 8.4035% | 5,758 |
| Core capital (leverage) ratio | 8.5094% | 5,522 |
| Tier 1 risk-based capital ratio | 9.0986% | 6,246 |
| Total risk-based capital ratio | 10.2204% | 6,243 |
| Memoranda: | ||
| Average total assets | $62,358,670 | 5,384 |
| Average earning assets | $58,434,670 | 5,354 |
| Average equity | $5,345,330 | 5,690 |
| Average total loans | $53,888,330 | 4,647 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 1,036 |
| Cost of funding earning assets | 0.7298% | 735 |
| Net interest margin | 3.9688% | 1,659 |
| Noninterest income to average assets | 0.1237% | 5,981 |
| Noninterest expense to average assets | 2.9159% | 2,852 |
| Loan and lease loss provision to assets | 0.1432% | 1,426 |
| Net operating income to assets | 0.5077% | 4,643 |
| Return on assets (ROA) | 0.5077% | 4,764 |
| Pretax return on assets | 0.7810% | 4,310 |
| Return on Equity (ROE) | 5.8625% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.9605% | 3,075 |
| Net charge-offs to loans | -0.0075% | 4,618 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9322% | 2,528 |
| Assets per employee ($millions) | 3.5314% | 4,841 |
| Cash dividends to net income (ytd only)* | 15.3846% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,962 |
| Loan loss allowance to noncurrent loans | 130.6418% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 2,723 |
| Noncurrent loans to loans | 0.9209% | 2,938 |
| Net loans and leases to total assets | 86.3178% | 171 |
| Net loans and leases to deposits | 108.1115% | 254 |
| Net loans and leases to core deposits | 121.0267% | 387 |
| Total domestic deposits to total assets | 79.8414% | 5,088 |
| Equity capital to assets | 8.9433% | 5,356 |
| Core capital (leverage) ratio | 8.7217% | 5,297 |
| Tier 1 risk-based capital ratio | 9.7039% | 6,233 |
| Total risk-based capital ratio | 10.8444% | 6,231 |
| Memoranda: | ||
| Average total assets | $61,456,000 | 5,464 |
| Average earning assets | $57,548,500 | 5,435 |
| Average equity | $5,322,000 | 5,752 |
| Average total loans | $53,266,000 | 4,694 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 1,175 |
| Cost of funding earning assets | 0.7568% | 814 |
| Net interest margin | 4.0113% | 1,866 |
| Noninterest income to average assets | 0.1764% | 5,800 |
| Noninterest expense to average assets | 2.8344% | 3,360 |
| Loan and lease loss provision to assets | 0.1417% | 1,873 |
| Net operating income to assets | 0.6291% | 4,241 |
| Return on assets (ROA) | 0.6063% | 4,436 |
| Pretax return on assets | 0.9133% | 3,860 |
| Return on Equity (ROE) | 7.6495% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.2323% | 1,304 |
| Net charge-offs to loans | 0.0209% | 4,423 |
| Credit loss provision to net charge-offs | 818.1818% | 334 |
| Earnings coverage of net charge-offs (x) | 62.9091% | 761 |
| Efficiency ratio | 72.2311% | 3,166 |
| Assets per employee ($millions) | 3.6987% | 4,531 |
| Cash dividends to net income (ytd only)* | 5.4545% | 4,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 4,424 |
| Loan loss allowance to noncurrent loans | 97.1246% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 2,487 |
| Noncurrent loans to loans | 1.1575% | 2,525 |
| Net loans and leases to total assets | 85.0425% | 273 |
| Net loans and leases to deposits | 107.3410% | 314 |
| Net loans and leases to core deposits | 119.6210% | 421 |
| Total domestic deposits to total assets | 79.2264% | 5,197 |
| Equity capital to assets | 8.3893% | 5,838 |
| Core capital (leverage) ratio | 8.3322% | 5,745 |
| Tier 1 risk-based capital ratio | 10.3549% | 6,163 |
| Total risk-based capital ratio | 11.5419% | 6,127 |
| Memoranda: | ||
| Average total assets | $63,504,600 | 5,462 |
| Average earning assets | $59,332,400 | 5,409 |
| Average equity | $5,033,000 | 5,849 |
| Average total loans | $52,515,600 | 4,746 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,244 |
| Cost of funding earning assets | 0.7591% | 857 |
| Net interest margin | 3.9679% | 1,976 |
| Noninterest income to average assets | 0.1550% | 5,983 |
| Noninterest expense to average assets | 2.6347% | 4,079 |
| Loan and lease loss provision to assets | 0.1257% | 1,991 |
| Net operating income to assets | 0.7372% | 3,741 |
| Return on assets (ROA) | 0.7372% | 3,848 |
| Pretax return on assets | 1.1058% | 3,161 |
| Return on Equity (ROE) | 9.4383% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.0898% | 959 |
| Net charge-offs to loans | 0.0281% | 3,928 |
| Credit loss provision to net charge-offs | 545.4545% | 532 |
| Earnings coverage of net charge-offs (x) | 53.4410% | 936 |
| Efficiency ratio | 68.1473% | 3,831 |
| Assets per employee ($millions) | 3.9502% | 3,980 |
| Cash dividends to net income (ytd only)* | 3.6926% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 5,070 |
| Loan loss allowance to noncurrent loans | 87.4433% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 2,724 |
| Noncurrent loans to loans | 1.1795% | 2,704 |
| Net loans and leases to total assets | 82.5935% | 450 |
| Net loans and leases to deposits | 122.2724% | 80 |
| Net loans and leases to core deposits | 126.7807% | 272 |
| Total domestic deposits to total assets | 67.5487% | 6,362 |
| Equity capital to assets | 7.8001% | 6,212 |
| Core capital (leverage) ratio | 8.0608% | 6,023 |
| Tier 1 risk-based capital ratio | 9.8728% | 6,371 |
| Total risk-based capital ratio | 10.9538% | 6,375 |
| Memoranda: | ||
| Average total assets | $63,661,250 | 5,517 |
| Average earning assets | $59,542,750 | 5,467 |
| Average equity | $4,972,500 | 5,921 |
| Average total loans | $52,124,250 | 4,789 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,291 |
| Cost of funding earning assets | 0.7715% | 824 |
| Net interest margin | 3.9224% | 2,077 |
| Noninterest income to average assets | 0.1760% | 5,894 |
| Noninterest expense to average assets | 2.6337% | 4,118 |
| Loan and lease loss provision to assets | 0.0960% | 2,424 |
| Net operating income to assets | 0.7360% | 3,644 |
| Return on assets (ROA) | 0.7360% | 3,737 |
| Pretax return on assets | 1.1072% | 3,076 |
| Return on Equity (ROE) | 9.4185% | 2,410 |
| Retained earnings to average equity (ytd only) | 8.9681% | 993 |
| Net charge-offs to loans | 0.0394% | 3,440 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 37.6000% | 1,103 |
| Efficiency ratio | 68.6405% | 3,890 |
| Assets per employee ($millions) | 3.7759% | 4,302 |
| Cash dividends to net income (ytd only)* | 4.7826% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 5,125 |
| Loan loss allowance to noncurrent loans | 87.5598% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 2,853 |
| Noncurrent loans to loans | 1.1970% | 2,839 |
| Net loans and leases to total assets | 80.7462% | 597 |
| Net loans and leases to deposits | 109.7301% | 213 |
| Net loans and leases to core deposits | 114.5032% | 517 |
| Total domestic deposits to total assets | 73.5862% | 6,146 |
| Equity capital to assets | 7.9171% | 6,196 |
| Core capital (leverage) ratio | 8.2979% | 5,849 |
| Tier 1 risk-based capital ratio | 9.9837% | 6,404 |
| Total risk-based capital ratio | 11.0462% | 6,424 |
| Memoranda: | ||
| Average total assets | $62,497,330 | 5,597 |
| Average earning assets | $58,331,000 | 5,552 |
| Average equity | $4,884,000 | 5,984 |
| Average total loans | $50,818,330 | 4,868 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,291 |
| Cost of funding earning assets | 0.7949% | 763 |
| Net interest margin | 3.8909% | 2,116 |
| Noninterest income to average assets | 0.2141% | 5,645 |
| Noninterest expense to average assets | 2.6407% | 4,146 |
| Loan and lease loss provision to assets | 0.0973% | 2,299 |
| Net operating income to assets | 0.7332% | 3,530 |
| Return on assets (ROA) | 0.7332% | 3,608 |
| Pretax return on assets | 1.0965% | 2,920 |
| Return on Equity (ROE) | 9.4462% | 2,274 |
| Retained earnings to average equity (ytd only) | 8.5266% | 1,407 |
| Net charge-offs to loans | -0.0560% | 5,851 |
| Credit loss provision to net charge-offs | -214.2857% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8663% | 4,028 |
| Assets per employee ($millions) | 3.6209% | 4,679 |
| Cash dividends to net income (ytd only)* | 9.7345% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,100 |
| Loan loss allowance to noncurrent loans | 35.0509% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 2.5538% | 1,238 |
| Noncurrent loans to loans | 3.1492% | 985 |
| Net loans and leases to total assets | 80.1985% | 527 |
| Net loans and leases to deposits | 108.1234% | 188 |
| Net loans and leases to core deposits | 112.9938% | 495 |
| Total domestic deposits to total assets | 74.1731% | 6,230 |
| Equity capital to assets | 7.9489% | 6,092 |
| Core capital (leverage) ratio | 8.2272% | 5,918 |
| Tier 1 risk-based capital ratio | 10.2461% | 6,408 |
| Total risk-based capital ratio | 11.3661% | 6,414 |
| Memoranda: | ||
| Average total assets | $61,651,000 | 5,668 |
| Average earning assets | $57,365,000 | 5,628 |
| Average equity | $4,785,000 | 6,053 |
| Average total loans | $50,037,500 | 4,932 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 2,095 |
| Cost of funding earning assets | 0.9016% | 732 |
| Net interest margin | 3.6279% | 3,339 |
| Noninterest income to average assets | 0.1569% | 6,150 |
| Noninterest expense to average assets | 2.7710% | 3,831 |
| Loan and lease loss provision to assets | 0.2784% | 1,242 |
| Net operating income to assets | 0.4016% | 5,138 |
| Return on assets (ROA) | 0.4219% | 5,177 |
| Pretax return on assets | 0.5282% | 5,111 |
| Return on Equity (ROE) | 5.3634% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.1835% | 3,197 |
| Net charge-offs to loans | 0.1651% | 3,159 |
| Credit loss provision to net charge-offs | 217.1053% | 1,064 |
| Earnings coverage of net charge-offs (x) | 6.0921% | 3,128 |
| Efficiency ratio | 78.0048% | 2,466 |
| Assets per employee ($millions) | 3.6321% | 4,608 |
| Cash dividends to net income (ytd only)* | 22.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 5,324 |
| Loan loss allowance to noncurrent loans | 87.8738% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 3,471 |
| Noncurrent loans to loans | 1.2002% | 3,147 |
| Net loans and leases to total assets | 80.3744% | 559 |
| Net loans and leases to deposits | 115.6264% | 100 |
| Net loans and leases to core deposits | 121.1799% | 311 |
| Total domestic deposits to total assets | 69.5122% | 6,540 |
| Equity capital to assets | 7.5746% | 6,245 |
| Core capital (leverage) ratio | 8.2225% | 5,952 |
| Tier 1 risk-based capital ratio | 10.0527% | 6,508 |
| Total risk-based capital ratio | 11.1290% | 6,510 |
| Memoranda: | ||
| Average total assets | $59,257,400 | 5,777 |
| Average earning assets | $55,459,200 | 5,718 |
| Average equity | $4,661,200 | 6,148 |
| Average total loans | $46,024,000 | 5,114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 2,302 |
| Cost of funding earning assets | 0.9212% | 736 |
| Net interest margin | 3.5611% | 3,612 |
| Noninterest income to average assets | 0.1410% | 6,326 |
| Noninterest expense to average assets | 2.6241% | 4,309 |
| Loan and lease loss provision to assets | 0.3070% | 1,103 |
| Net operating income to assets | 0.4198% | 5,161 |
| Return on assets (ROA) | 0.4457% | 5,184 |
| Pretax return on assets | 0.5844% | 5,081 |
| Return on Equity (ROE) | 5.6113% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.1797% | 3,711 |
| Net charge-offs to loans | 0.2519% | 2,307 |
| Credit loss provision to net charge-offs | 158.8235% | 1,485 |
| Earnings coverage of net charge-offs (x) | 4.4353% | 3,440 |
| Efficiency ratio | 75.3756% | 2,834 |
| Assets per employee ($millions) | 3.5235% | 4,799 |
| Cash dividends to net income (ytd only)* | 25.5118% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 5,666 |
| Loan loss allowance to noncurrent loans | 81.9398% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 3,663 |
| Noncurrent loans to loans | 1.2338% | 3,345 |
| Net loans and leases to total assets | 80.0982% | 535 |
| Net loans and leases to deposits | 106.7625% | 218 |
| Net loans and leases to core deposits | 111.0037% | 541 |
| Total domestic deposits to total assets | 75.0246% | 6,276 |
| Equity capital to assets | 7.6379% | 6,334 |
| Core capital (leverage) ratio | 8.1395% | 6,117 |
| Tier 1 risk-based capital ratio | 10.0607% | 6,582 |
| Total risk-based capital ratio | 11.0833% | 6,610 |
| Memoranda: | ||
| Average total assets | $58,635,250 | 5,853 |
| Average earning assets | $54,999,750 | 5,792 |
| Average equity | $4,657,250 | 6,231 |
| Average total loans | $44,990,750 | 5,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 2,429 |
| Cost of funding earning assets | 0.9357% | 762 |
| Net interest margin | 3.5017% | 3,777 |
| Noninterest income to average assets | 0.1443% | 6,325 |
| Noninterest expense to average assets | 2.5733% | 4,479 |
| Loan and lease loss provision to assets | 0.1031% | 3,076 |
| Net operating income to assets | 0.5566% | 4,519 |
| Return on assets (ROA) | 0.5566% | 4,696 |
| Pretax return on assets | 0.7593% | 4,472 |
| Return on Equity (ROE) | 6.9162% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.2939% | 2,866 |
| Net charge-offs to loans | 0.0274% | 4,315 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 41.8333% | 903 |
| Efficiency ratio | 74.9000% | 2,963 |
| Assets per employee ($millions) | 3.2870% | 5,298 |
| Cash dividends to net income (ytd only)* | 23.4568% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,682 |
| Loan loss allowance to noncurrent loans | 69.2537% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 3,476 |
| Noncurrent loans to loans | 1.4970% | 3,059 |
| Net loans and leases to total assets | 74.8606% | 1,124 |
| Net loans and leases to deposits | 95.8556% | 688 |
| Net loans and leases to core deposits | 100.1379% | 1,069 |
| Total domestic deposits to total assets | 78.0972% | 5,961 |
| Equity capital to assets | 7.7308% | 6,350 |
| Core capital (leverage) ratio | 8.2717% | 5,921 |
| Tier 1 risk-based capital ratio | 10.6396% | 6,464 |
| Total risk-based capital ratio | 11.6683% | 6,501 |
| Memoranda: | ||
| Average total assets | $58,214,000 | 5,905 |
| Average earning assets | $54,715,670 | 5,835 |
| Average equity | $4,684,670 | 6,271 |
| Average total loans | $43,831,670 | 5,270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 2,430 |
| Cost of funding earning assets | 0.9686% | 713 |
| Net interest margin | 3.4603% | 3,859 |
| Noninterest income to average assets | 0.1316% | 6,436 |
| Noninterest expense to average assets | 2.5010% | 4,748 |
| Loan and lease loss provision to assets | 0.1039% | 2,947 |
| Net operating income to assets | 0.5819% | 4,303 |
| Return on assets (ROA) | 0.5819% | 4,453 |
| Pretax return on assets | 0.7690% | 4,298 |
| Return on Equity (ROE) | 7.0886% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.4979% | 2,408 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1273% | 3,242 |
| Assets per employee ($millions) | 3.9459% | 4,071 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,636 |
| Loan loss allowance to noncurrent loans | 60.5053% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 3,437 |
| Noncurrent loans to loans | 1.8044% | 2,854 |
| Net loans and leases to total assets | 69.6425% | 1,727 |
| Net loans and leases to deposits | 84.3152% | 1,558 |
| Net loans and leases to core deposits | 87.8666% | 1,923 |
| Total domestic deposits to total assets | 82.5978% | 4,992 |
| Equity capital to assets | 8.0675% | 6,343 |
| Core capital (leverage) ratio | 8.0658% | 6,085 |
| Tier 1 risk-based capital ratio | 11.2216% | 6,302 |
| Total risk-based capital ratio | 12.2958% | 6,359 |
| Memoranda: | ||
| Average total assets | $57,738,000 | 5,972 |
| Average earning assets | $54,100,000 | 5,901 |
| Average equity | $4,740,000 | 6,321 |
| Average total loans | $43,369,500 | 5,323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,171 |
| Cost of funding earning assets | 1.1724% | 656 |
| Net interest margin | 3.6329% | 3,948 |
| Noninterest income to average assets | 0.1665% | 6,199 |
| Noninterest expense to average assets | 2.8200% | 3,947 |
| Loan and lease loss provision to assets | 0.1041% | 4,337 |
| Net operating income to assets | 0.4755% | 4,778 |
| Return on assets (ROA) | 0.4656% | 5,068 |
| Pretax return on assets | 0.6189% | 4,936 |
| Return on Equity (ROE) | 5.6560% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.6560% | 2,279 |
| Net charge-offs to loans | 0.0096% | 5,802 |
| Credit loss provision to net charge-offs | 1,375.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 97.2500% | 396 |
| Efficiency ratio | 79.2975% | 2,244 |
| Assets per employee ($millions) | 3.7525% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,042 |
| Loan loss allowance to noncurrent loans | 58.2011% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 3,390 |
| Noncurrent loans to loans | 1.6776% | 3,105 |
| Net loans and leases to total assets | 79.2780% | 537 |
| Net loans and leases to deposits | 104.6333% | 253 |
| Net loans and leases to core deposits | 110.4117% | 535 |
| Total domestic deposits to total assets | 75.7675% | 6,384 |
| Equity capital to assets | 8.3588% | 6,154 |
| Core capital (leverage) ratio | 8.3827% | 5,778 |
| Tier 1 risk-based capital ratio | 10.3998% | 6,589 |
| Total risk-based capital ratio | 11.3826% | 6,635 |
| Memoranda: | ||
| Average total assets | $52,837,600 | 6,121 |
| Average earning assets | $49,299,400 | 6,076 |
| Average equity | $4,349,400 | 6,477 |
| Average total loans | $41,624,800 | 5,438 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 2,375 |
| Cost of funding earning assets | 1.1966% | 702 |
| Net interest margin | 3.6092% | 4,200 |
| Noninterest income to average assets | 0.1462% | 6,412 |
| Noninterest expense to average assets | 2.7602% | 4,132 |
| Loan and lease loss provision to assets | 0.1026% | 4,295 |
| Net operating income to assets | 0.5117% | 4,799 |
| Return on assets (ROA) | 0.4977% | 5,118 |
| Pretax return on assets | 0.6387% | 5,053 |
| Return on Equity (ROE) | 6.0711% | 4,299 |
| Retained earnings to average equity (ytd only) | 6.0711% | 2,656 |
| Net charge-offs to loans | 0.0164% | 5,456 |
| Credit loss provision to net charge-offs | 800.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 59.1694% | 658 |
| Efficiency ratio | 78.4257% | 2,335 |
| Assets per employee ($millions) | 3.7727% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,307 |
| Loan loss allowance to noncurrent loans | 55.7162% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 3,606 |
| Noncurrent loans to loans | 1.6670% | 3,290 |
| Net loans and leases to total assets | 79.9191% | 511 |
| Net loans and leases to deposits | 102.0097% | 345 |
| Net loans and leases to core deposits | 108.1675% | 644 |
| Total domestic deposits to total assets | 78.3446% | 6,005 |
| Equity capital to assets | 8.2239% | 6,475 |
| Core capital (leverage) ratio | 8.3234% | 5,972 |
| Tier 1 risk-based capital ratio | 10.2851% | 6,730 |
| Total risk-based capital ratio | 11.2322% | 6,781 |
| Memoranda: | ||
| Average total assets | $51,975,000 | 6,221 |
| Average earning assets | $48,579,000 | 6,177 |
| Average equity | $4,260,500 | 6,583 |
| Average total loans | $40,765,000 | 5,537 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 2,607 |
| Cost of funding earning assets | 1.2266% | 728 |
| Net interest margin | 3.5478% | 4,478 |
| Noninterest income to average assets | 0.1348% | 6,513 |
| Noninterest expense to average assets | 2.8828% | 3,689 |
| Loan and lease loss provision to assets | 0.0991% | 4,291 |
| Net operating income to assets | 0.3969% | 5,215 |
| Return on assets (ROA) | 0.3727% | 5,562 |
| Pretax return on assets | 0.4283% | 5,638 |
| Return on Equity (ROE) | 4.5528% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.5528% | 3,576 |
| Net charge-offs to loans | 0.0307% | 4,949 |
| Credit loss provision to net charge-offs | 416.6667% | 711 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,255 |
| Efficiency ratio | 83.8524% | 1,651 |
| Assets per employee ($millions) | 3.5993% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,258 |
| Loan loss allowance to noncurrent loans | 38.0952% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 1.9837% | 2,795 |
| Noncurrent loans to loans | 2.5475% | 2,366 |
| Net loans and leases to total assets | 77.1124% | 829 |
| Net loans and leases to deposits | 92.9910% | 852 |
| Net loans and leases to core deposits | 99.1309% | 1,160 |
| Total domestic deposits to total assets | 82.9246% | 4,781 |
| Equity capital to assets | 7.8589% | 6,648 |
| Core capital (leverage) ratio | 7.8680% | 6,396 |
| Tier 1 risk-based capital ratio | 9.7297% | 6,884 |
| Total risk-based capital ratio | 10.6738% | 6,932 |
| Memoranda: | ||
| Average total assets | $50,436,330 | 6,313 |
| Average earning assets | $46,958,330 | 6,262 |
| Average equity | $4,129,330 | 6,647 |
| Average total loans | $39,136,330 | 5,643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 2,485 |
| Cost of funding earning assets | 1.2457% | 794 |
| Net interest margin | 3.5947% | 4,294 |
| Noninterest income to average assets | 0.1233% | 6,638 |
| Noninterest expense to average assets | 2.9100% | 3,586 |
| Loan and lease loss provision to assets | 0.0822% | 4,362 |
| Net operating income to assets | 0.3953% | 5,277 |
| Return on assets (ROA) | 0.3453% | 5,668 |
| Pretax return on assets | 0.3946% | 5,741 |
| Return on Equity (ROE) | 4.1252% | 5,237 |
| Retained earnings to average equity (ytd only) | 4.1252% | 4,118 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4869% | 1,637 |
| Assets per employee ($millions) | 3.5228% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 6,018 |
| Loan loss allowance to noncurrent loans | 44.7811% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 3,330 |
| Noncurrent loans to loans | 2.3846% | 2,719 |
| Net loans and leases to total assets | 69.9557% | 1,762 |
| Net loans and leases to deposits | 83.3318% | 1,747 |
| Net loans and leases to core deposits | 89.9723% | 1,853 |
| Total domestic deposits to total assets | 83.9484% | 4,519 |
| Equity capital to assets | 7.7287% | 6,674 |
| Core capital (leverage) ratio | 8.0154% | 6,247 |
| Tier 1 risk-based capital ratio | 10.4683% | 6,750 |
| Total risk-based capital ratio | 11.4988% | 6,814 |
| Memoranda: | ||
| Average total assets | $48,659,500 | 6,409 |
| Average earning assets | $44,955,500 | 6,363 |
| Average equity | $4,072,500 | 6,700 |
| Average total loans | $37,684,000 | 5,746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8004% | 643 |
| Cost of funding earning assets | 1.2455% | 1,759 |
| Net interest margin | 4.5548% | 1,015 |
| Noninterest income to average assets | 0.2001% | 6,068 |
| Noninterest expense to average assets | 3.4327% | 2,161 |
| Loan and lease loss provision to assets | 0.3399% | 2,978 |
| Net operating income to assets | 0.4990% | 4,429 |
| Return on assets (ROA) | 0.4990% | 4,643 |
| Pretax return on assets | 0.6412% | 4,552 |
| Return on Equity (ROE) | 5.4881% | 4,141 |
| Retained earnings to average equity (ytd only) | 1.4052% | 5,192 |
| Net charge-offs to loans | 0.4455% | 3,205 |
| Credit loss provision to net charge-offs | 87.5776% | 4,120 |
| Earnings coverage of net charge-offs (x) | 2.5280% | 3,951 |
| Efficiency ratio | 77.7717% | 2,621 |
| Assets per employee ($millions) | 2.9651% | 6,170 |
| Cash dividends to net income (ytd only)* | 74.3961% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 6,101 |
| Loan loss allowance to noncurrent loans | 72.0370% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 4,209 |
| Noncurrent loans to loans | 1.4209% | 4,030 |
| Net loans and leases to total assets | 84.5696% | 186 |
| Net loans and leases to deposits | 100.7851% | 423 |
| Net loans and leases to core deposits | 107.0556% | 753 |
| Total domestic deposits to total assets | 83.9108% | 4,346 |
| Equity capital to assets | 9.1306% | 5,375 |
| Core capital (leverage) ratio | 8.8066% | 5,089 |
| Tier 1 risk-based capital ratio | 10.6231% | 6,633 |
| Total risk-based capital ratio | 11.6536% | 6,706 |
| Memoranda: | ||
| Average total assets | $41,483,200 | 6,616 |
| Average earning assets | $38,376,800 | 6,588 |
| Average equity | $3,771,800 | 6,811 |
| Average total loans | $36,135,600 | 5,862 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 757 |
| Cost of funding earning assets | 1.2287% | 2,135 |
| Net interest margin | 4.5336% | 1,079 |
| Noninterest income to average assets | 0.1637% | 6,426 |
| Noninterest expense to average assets | 3.2338% | 2,718 |
| Loan and lease loss provision to assets | 0.0557% | 5,750 |
| Net operating income to assets | 0.7659% | 3,316 |
| Return on assets (ROA) | 0.7659% | 3,478 |
| Pretax return on assets | 1.0768% | 3,109 |
| Return on Equity (ROE) | 8.4333% | 2,861 |
| Retained earnings to average equity (ytd only) | 2.8831% | 4,631 |
| Net charge-offs to loans | 0.0411% | 5,578 |
| Credit loss provision to net charge-offs | 154.5455% | 2,008 |
| Earnings coverage of net charge-offs (x) | 31.4465% | 905 |
| Efficiency ratio | 74.0630% | 3,168 |
| Assets per employee ($millions) | 3.0661% | 5,975 |
| Cash dividends to net income (ytd only)* | 65.8130% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 6,202 |
| Loan loss allowance to noncurrent loans | 61.7560% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 3,928 |
| Noncurrent loans to loans | 1.6420% | 3,827 |
| Net loans and leases to total assets | 88.0827% | 77 |
| Net loans and leases to deposits | 113.2890% | 141 |
| Net loans and leases to core deposits | 121.4177% | 353 |
| Total domestic deposits to total assets | 77.7505% | 6,237 |
| Equity capital to assets | 8.7820% | 5,997 |
| Core capital (leverage) ratio | 9.0634% | 4,834 |
| Tier 1 risk-based capital ratio | 9.8544% | 6,992 |
| Total risk-based capital ratio | 10.8802% | 7,033 |
| Memoranda: | ||
| Average total assets | $40,734,750 | 6,705 |
| Average earning assets | $37,761,250 | 6,669 |
| Average equity | $3,699,500 | 6,885 |
| Average total loans | $35,668,750 | 5,939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 866 |
| Cost of funding earning assets | 1.2406% | 2,319 |
| Net interest margin | 4.4638% | 1,217 |
| Noninterest income to average assets | 0.1539% | 6,552 |
| Noninterest expense to average assets | 3.2989% | 2,568 |
| Loan and lease loss provision to assets | 0.0513% | 5,672 |
| Net operating income to assets | 0.6875% | 3,612 |
| Return on assets (ROA) | 0.6875% | 3,730 |
| Pretax return on assets | 0.9389% | 3,478 |
| Return on Equity (ROE) | 7.4728% | 3,205 |
| Retained earnings to average equity (ytd only) | -1.1153% | 6,069 |
| Net charge-offs to loans | -0.0059% | 6,606 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9139% | 2,875 |
| Assets per employee ($millions) | 2.7923% | 6,486 |
| Cash dividends to net income (ytd only)* | 114.9254% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,773 |
| Loan loss allowance to noncurrent loans | 66.1417% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 3,739 |
| Noncurrent loans to loans | 1.7320% | 3,843 |
| Net loans and leases to total assets | 86.5295% | 122 |
| Net loans and leases to deposits | 106.9369% | 238 |
| Net loans and leases to core deposits | 115.0576% | 548 |
| Total domestic deposits to total assets | 80.9163% | 5,550 |
| Equity capital to assets | 9.3759% | 5,025 |
| Core capital (leverage) ratio | 9.5246% | 3,920 |
| Tier 1 risk-based capital ratio | 10.8195% | 6,643 |
| Total risk-based capital ratio | 11.9885% | 6,677 |
| Memoranda: | ||
| Average total assets | $38,982,330 | 6,822 |
| Average earning assets | $36,113,000 | 6,794 |
| Average equity | $3,586,330 | 6,959 |
| Average total loans | $33,916,330 | 6,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5644% | 1,141 |
| Cost of funding earning assets | 1.2557% | 2,464 |
| Net interest margin | 4.3086% | 1,536 |
| Noninterest income to average assets | 0.1279% | 6,782 |
| Noninterest expense to average assets | 3.4638% | 2,108 |
| Loan and lease loss provision to assets | 0.0533% | 5,338 |
| Net operating income to assets | 0.5968% | 4,047 |
| Return on assets (ROA) | 0.5968% | 4,118 |
| Pretax return on assets | 0.5968% | 4,696 |
| Return on Equity (ROE) | 6.5574% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.0890% | 2,589 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1969% | 1,933 |
| Assets per employee ($millions) | 2.5452% | 6,920 |
| Cash dividends to net income (ytd only)* | 7.1429% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 5,420 |
| Loan loss allowance to noncurrent loans | 62.3494% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 3,482 |
| Noncurrent loans to loans | 1.9977% | 3,576 |
| Net loans and leases to total assets | 85.9762% | 128 |
| Net loans and leases to deposits | 102.9385% | 348 |
| Net loans and leases to core deposits | 111.2791% | 679 |
| Total domestic deposits to total assets | 83.5219% | 4,694 |
| Equity capital to assets | 9.0261% | 5,163 |
| Core capital (leverage) ratio | 10.0814% | 3,058 |
| Tier 1 risk-based capital ratio | 10.4903% | 6,812 |
| Total risk-based capital ratio | 11.7398% | 6,795 |
| Memoranda: | ||
| Average total assets | $37,531,500 | 6,922 |
| Average earning assets | $34,721,000 | 6,891 |
| Average equity | $3,416,000 | 7,037 |
| Average total loans | $32,543,500 | 6,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8202% | 1,228 |
| Cost of funding earning assets | 1.3337% | 3,667 |
| Net interest margin | 4.4865% | 1,254 |
| Noninterest income to average assets | 0.2723% | 5,837 |
| Noninterest expense to average assets | 3.4479% | 2,314 |
| Loan and lease loss provision to assets | 0.1989% | 5,244 |
| Net operating income to assets | 0.6180% | 3,590 |
| Return on assets (ROA) | 0.6180% | 3,760 |
| Pretax return on assets | 0.7832% | 3,688 |
| Return on Equity (ROE) | 5.9998% | 3,609 |
| Retained earnings to average equity (ytd only) | 0.9802% | 5,052 |
| Net charge-offs to loans | 0.0979% | 5,876 |
| Credit loss provision to net charge-offs | 240.7407% | 1,194 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 1,559 |
| Efficiency ratio | 77.8315% | 2,735 |
| Assets per employee ($millions) | 2.4590% | 7,065 |
| Cash dividends to net income (ytd only)* | 83.6634% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 5,085 |
| Loan loss allowance to noncurrent loans | 31.9531% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 3.5950% | 1,916 |
| Noncurrent loans to loans | 4.0190% | 1,802 |
| Net loans and leases to total assets | 85.2379% | 223 |
| Net loans and leases to deposits | 113.5510% | 182 |
| Net loans and leases to core deposits | 121.6295% | 482 |
| Total domestic deposits to total assets | 75.0657% | 6,761 |
| Equity capital to assets | 9.1799% | 4,869 |
| Core capital (leverage) ratio | 9.8829% | 3,225 |
| Tier 1 risk-based capital ratio | 10.6898% | 6,575 |
| Total risk-based capital ratio | 11.9411% | 6,544 |
| Memoranda: | ||
| Average total assets | $32,686,800 | 7,124 |
| Average earning assets | $30,290,800 | 7,078 |
| Average equity | $3,366,800 | 7,171 |
| Average total loans | $27,590,600 | 6,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 1,200 |
| Cost of funding earning assets | 1.3454% | 3,933 |
| Net interest margin | 4.5272% | 1,200 |
| Noninterest income to average assets | 0.2149% | 6,374 |
| Noninterest expense to average assets | 3.3673% | 2,378 |
| Loan and lease loss provision to assets | 0.2486% | 4,604 |
| Net operating income to assets | 0.5900% | 3,920 |
| Return on assets (ROA) | 0.5900% | 4,084 |
| Pretax return on assets | 0.7965% | 3,921 |
| Return on Equity (ROE) | 5.5521% | 4,021 |
| Retained earnings to average equity (ytd only) | -0.9518% | 6,008 |
| Net charge-offs to loans | 0.1407% | 5,171 |
| Credit loss provision to net charge-offs | 210.7143% | 1,666 |
| Earnings coverage of net charge-offs (x) | 8.8578% | 2,102 |
| Efficiency ratio | 76.3133% | 2,885 |
| Assets per employee ($millions) | 2.3529% | 7,251 |
| Cash dividends to net income (ytd only)* | 117.1435% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 4,141 |
| Loan loss allowance to noncurrent loans | 33.8384% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 3.7431% | 1,897 |
| Noncurrent loans to loans | 4.3241% | 1,684 |
| Net loans and leases to total assets | 82.1833% | 475 |
| Net loans and leases to deposits | 101.8472% | 540 |
| Net loans and leases to core deposits | 107.0336% | 1,239 |
| Total domestic deposits to total assets | 80.6928% | 5,481 |
| Equity capital to assets | 10.1940% | 3,889 |
| Core capital (leverage) ratio | 10.5819% | 2,613 |
| Tier 1 risk-based capital ratio | 12.4958% | 4,988 |
| Total risk-based capital ratio | 13.7499% | 4,959 |
| Memoranda: | ||
| Average total assets | $31,637,250 | 7,236 |
| Average earning assets | $29,333,000 | 7,196 |
| Average equity | $3,362,000 | 7,268 |
| Average total loans | $26,526,000 | 6,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 1,081 |
| Cost of funding earning assets | 1.3298% | 4,338 |
| Net interest margin | 4.6097% | 973 |
| Noninterest income to average assets | 0.2115% | 6,407 |
| Noninterest expense to average assets | 3.2690% | 2,661 |
| Loan and lease loss provision to assets | 0.3782% | 3,445 |
| Net operating income to assets | 0.5384% | 4,150 |
| Return on assets (ROA) | 0.5384% | 4,298 |
| Pretax return on assets | 0.8525% | 3,695 |
| Return on Equity (ROE) | 4.9950% | 4,288 |
| Retained earnings to average equity (ytd only) | -4.5193% | 6,500 |
| Net charge-offs to loans | 0.2213% | 4,274 |
| Credit loss provision to net charge-offs | 203.4483% | 1,917 |
| Earnings coverage of net charge-offs (x) | 6.6207% | 2,435 |
| Efficiency ratio | 72.6496% | 3,715 |
| Assets per employee ($millions) | 2.6023% | 6,946 |
| Cash dividends to net income (ytd only)* | 190.4762% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,819 |
| Loan loss allowance to noncurrent loans | 40.2207% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 3.3369% | 2,108 |
| Noncurrent loans to loans | 3.7788% | 2,047 |
| Net loans and leases to total assets | 83.2068% | 415 |
| Net loans and leases to deposits | 105.1858% | 434 |
| Net loans and leases to core deposits | 107.3589% | 1,352 |
| Total domestic deposits to total assets | 79.1046% | 6,005 |
| Equity capital to assets | 10.5165% | 3,391 |
| Core capital (leverage) ratio | 10.6072% | 2,535 |
| Tier 1 risk-based capital ratio | 12.9032% | 4,524 |
| Total risk-based capital ratio | 14.1555% | 4,477 |
| Memoranda: | ||
| Average total assets | $31,202,670 | 7,302 |
| Average earning assets | $29,026,000 | 7,260 |
| Average equity | $3,363,330 | 7,307 |
| Average total loans | $26,210,000 | 6,734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 1,112 |
| Cost of funding earning assets | 1.3560% | 4,446 |
| Net interest margin | 4.5799% | 991 |
| Noninterest income to average assets | 0.1795% | 6,672 |
| Noninterest expense to average assets | 3.1420% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9362% | 2,411 |
| Return on assets (ROA) | 0.9362% | 2,471 |
| Pretax return on assets | 1.2824% | 2,099 |
| Return on Equity (ROE) | 8.5807% | 2,635 |
| Retained earnings to average equity (ytd only) | 7.8754% | 1,758 |
| Net charge-offs to loans | -0.0153% | 7,003 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0145% | 4,118 |
| Assets per employee ($millions) | 2.7471% | 6,762 |
| Cash dividends to net income (ytd only)* | 8.2192% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 4,061 |
| Loan loss allowance to noncurrent loans | 48.2490% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.5515% | 2,845 |
| Noncurrent loans to loans | 3.0498% | 2,628 |
| Net loans and leases to total assets | 82.4277% | 540 |
| Net loans and leases to deposits | 101.9191% | 648 |
| Net loans and leases to core deposits | 104.0478% | 1,735 |
| Total domestic deposits to total assets | 80.8756% | 5,503 |
| Equity capital to assets | 11.3608% | 2,455 |
| Core capital (leverage) ratio | 10.9205% | 2,280 |
| Tier 1 risk-based capital ratio | 13.7413% | 3,841 |
| Total risk-based capital ratio | 14.9941% | 3,788 |
| Memoranda: | ||
| Average total assets | $31,190,500 | 7,397 |
| Average earning assets | $28,909,000 | 7,359 |
| Average equity | $3,403,000 | 7,370 |
| Average total loans | $26,123,000 | 6,823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2813% | 1,062 |
| Cost of funding earning assets | 1.4293% | 5,811 |
| Net interest margin | 4.8520% | 617 |
| Noninterest income to average assets | 0.2577% | 6,267 |
| Noninterest expense to average assets | 3.2724% | 3,114 |
| Loan and lease loss provision to assets | 0.0129% | 7,364 |
| Net operating income to assets | 1.0468% | 1,679 |
| Return on assets (ROA) | 1.0468% | 1,720 |
| Pretax return on assets | 1.4880% | 1,213 |
| Return on Equity (ROE) | 9.8664% | 1,729 |
| Retained earnings to average equity (ytd only) | 4.5537% | 2,068 |
| Net charge-offs to loans | -0.0207% | 7,790 |
| Credit loss provision to net charge-offs | -80.0000% | 7,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5560% | 4,909 |
| Assets per employee ($millions) | 2.9239% | 6,401 |
| Cash dividends to net income (ytd only)* | 53.8462% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 4,363 |
| Loan loss allowance to noncurrent loans | 43.3918% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.6583% | 2,638 |
| Noncurrent loans to loans | 3.1707% | 2,417 |
| Net loans and leases to total assets | 82.6882% | 578 |
| Net loans and leases to deposits | 110.7940% | 358 |
| Net loans and leases to core deposits | 123.9340% | 1,643 |
| Total domestic deposits to total assets | 74.6323% | 6,926 |
| Equity capital to assets | 10.4872% | 3,195 |
| Core capital (leverage) ratio | 10.7169% | 2,412 |
| Tier 1 risk-based capital ratio | 12.6174% | 4,429 |
| Total risk-based capital ratio | 13.8708% | 4,367 |
| Memoranda: | ||
| Average total assets | $31,047,800 | 7,439 |
| Average earning assets | $28,895,400 | 7,395 |
| Average equity | $3,294,000 | 7,504 |
| Average total loans | $24,176,000 | 6,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1362% | 1,537 |
| Cost of funding earning assets | 1.4575% | 6,014 |
| Net interest margin | 4.6787% | 872 |
| Noninterest income to average assets | 0.2296% | 6,579 |
| Noninterest expense to average assets | 3.1200% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0400% | 1,938 |
| Return on assets (ROA) | 1.0400% | 1,997 |
| Pretax return on assets | 1.4776% | 1,482 |
| Return on Equity (ROE) | 9.7729% | 2,005 |
| Retained earnings to average equity (ytd only) | 2.8504% | 3,738 |
| Net charge-offs to loans | -0.0227% | 7,774 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8605% | 5,008 |
| Assets per employee ($millions) | 2.8466% | 6,544 |
| Cash dividends to net income (ytd only)* | 70.8335% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,600 |
| Loan loss allowance to noncurrent loans | 41.8764% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 2.7912% | 2,488 |
| Noncurrent loans to loans | 3.5085% | 2,134 |
| Net loans and leases to total assets | 78.3860% | 1,505 |
| Net loans and leases to deposits | 100.8339% | 1,033 |
| Net loans and leases to core deposits | 112.0725% | 3,015 |
| Total domestic deposits to total assets | 77.7377% | 6,160 |
| Equity capital to assets | 10.5547% | 3,452 |
| Core capital (leverage) ratio | 10.5937% | 2,721 |
| Tier 1 risk-based capital ratio | 13.3205% | 3,977 |
| Total risk-based capital ratio | 14.5612% | 3,925 |
| Memoranda: | ||
| Average total assets | $30,769,000 | 7,513 |
| Average earning assets | $28,725,000 | 7,475 |
| Average equity | $3,274,250 | 7,579 |
| Average total loans | $23,478,500 | 7,063 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0693% | 1,901 |
| Cost of funding earning assets | 1.4963% | 6,154 |
| Net interest margin | 4.5731% | 1,011 |
| Noninterest income to average assets | 0.2158% | 6,758 |
| Noninterest expense to average assets | 3.0077% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0266% | 2,015 |
| Return on assets (ROA) | 1.0266% | 2,100 |
| Pretax return on assets | 1.4646% | 1,546 |
| Return on Equity (ROE) | 9.6201% | 2,159 |
| Retained earnings to average equity (ytd only) | -0.4289% | 5,333 |
| Net charge-offs to loans | -0.0261% | 7,751 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2515% | 5,303 |
| Assets per employee ($millions) | 2.8064% | 6,611 |
| Cash dividends to net income (ytd only)* | 104.4586% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 2,992 |
| Loan loss allowance to noncurrent loans | 42.6901% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 2.7697% | 2,327 |
| Noncurrent loans to loans | 3.6050% | 1,931 |
| Net loans and leases to total assets | 75.6463% | 2,274 |
| Net loans and leases to deposits | 91.6484% | 2,535 |
| Net loans and leases to core deposits | 102.4300% | 4,238 |
| Total domestic deposits to total assets | 82.5397% | 4,455 |
| Equity capital to assets | 10.4568% | 3,459 |
| Core capital (leverage) ratio | 10.3730% | 2,929 |
| Tier 1 risk-based capital ratio | 13.3800% | 3,877 |
| Total risk-based capital ratio | 14.6354% | 3,815 |
| Memoranda: | ||
| Average total assets | $30,587,670 | 7,581 |
| Average earning assets | $28,471,000 | 7,551 |
| Average equity | $3,264,000 | 7,644 |
| Average total loans | $23,001,000 | 7,147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0417% | 2,190 |
| Cost of funding earning assets | 1.5459% | 6,258 |
| Net interest margin | 4.4958% | 1,133 |
| Noninterest income to average assets | 0.1839% | 6,978 |
| Noninterest expense to average assets | 2.9954% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9328% | 2,574 |
| Return on assets (ROA) | 0.9328% | 2,702 |
| Pretax return on assets | 1.3532% | 2,113 |
| Return on Equity (ROE) | 8.6533% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.8001% | 1,895 |
| Net charge-offs to loans | -0.0353% | 7,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8822% | 4,799 |
| Assets per employee ($millions) | 2.7670% | 6,717 |
| Cash dividends to net income (ytd only)* | 9.8592% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 2,490 |
| Loan loss allowance to noncurrent loans | 30.3333% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 3.9426% | 1,310 |
| Noncurrent loans to loans | 5.2947% | 1,000 |
| Net loans and leases to total assets | 73.2661% | 2,947 |
| Net loans and leases to deposits | 90.4996% | 2,852 |
| Net loans and leases to core deposits | 102.7366% | 4,263 |
| Total domestic deposits to total assets | 80.9574% | 4,987 |
| Equity capital to assets | 10.8684% | 3,108 |
| Core capital (leverage) ratio | 10.6148% | 2,819 |
| Tier 1 risk-based capital ratio | 14.2851% | 3,441 |
| Total risk-based capital ratio | 15.5393% | 3,361 |
| Memoranda: | ||
| Average total assets | $30,446,500 | 7,633 |
| Average earning assets | $28,204,000 | 7,603 |
| Average equity | $3,282,000 | 7,696 |
| Average total loans | $22,643,000 | 7,202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4042% | 3,397 |
| Cost of funding earning assets | 1.9775% | 6,486 |
| Net interest margin | 4.4267% | 1,605 |
| Noninterest income to average assets | 0.3144% | 6,204 |
| Noninterest expense to average assets | 3.0709% | 3,819 |
| Loan and lease loss provision to assets | 0.0335% | 6,986 |
| Net operating income to assets | 0.8865% | 3,057 |
| Return on assets (ROA) | 0.8865% | 2,898 |
| Pretax return on assets | 1.2912% | 2,340 |
| Return on Equity (ROE) | 8.5955% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.8171% | 897 |
| Net charge-offs to loans | 0.0424% | 6,185 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 834 |
| Efficiency ratio | 69.8630% | 4,380 |
| Assets per employee ($millions) | 2.7687% | 6,640 |
| Cash dividends to net income (ytd only)* | 9.0566% | 4,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 2,247 |
| Loan loss allowance to noncurrent loans | 30.0664% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 3.9532% | 1,050 |
| Noncurrent loans to loans | 5.3223% | 791 |
| Net loans and leases to total assets | 73.0890% | 3,338 |
| Net loans and leases to deposits | 91.5221% | 3,215 |
| Net loans and leases to core deposits | 104.0868% | 4,387 |
| Total domestic deposits to total assets | 79.8595% | 5,080 |
| Equity capital to assets | 10.6908% | 3,307 |
| Core capital (leverage) ratio | 10.5592% | 2,929 |
| Tier 1 risk-based capital ratio | 13.8504% | 3,621 |
| Total risk-based capital ratio | 15.1040% | 3,537 |
| Memoranda: | ||
| Average total assets | $29,893,800 | 7,652 |
| Average earning assets | $27,560,200 | 7,638 |
| Average equity | $3,083,000 | 7,812 |
| Average total loans | $21,235,000 | 7,246 |