Home > First Community Bank, Xenia-Flora > Performance and Condition Ratios
First Community Bank, Xenia-Flora, 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 | 4.9788% | 2,111 |
| Cost of funding earning assets | 1.4269% | 2,156 |
| Net interest margin | 3.5519% | 2,060 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.1515% | 3,248 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3763% | 1,257 |
| Return on assets (ROA) | 1.3763% | 1,232 |
| Pretax return on assets | 1.4514% | 1,531 |
| Return on Equity (ROE) | 22.7700% | 411 |
| Retained earnings to average equity (ytd only) | 10.9467% | 803 |
| Net charge-offs to loans | 0.0102% | 2,265 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 270.6667% | 468 |
| Efficiency ratio | 59.1138% | 3,178 |
| Assets per employee ($millions) | 4.5674% | 3,914 |
| Cash dividends to net income (ytd only)* | 51.9308% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6142% | 4,226 |
| Loan loss allowance to noncurrent loans | 97.9381% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,546 |
| Noncurrent loans to loans | 0.6271% | 1,257 |
| Net loans and leases to total assets | 56.0900% | 3,184 |
| Net loans and leases to deposits | 65.8690% | 3,176 |
| Net loans and leases to core deposits | 73.4174% | 3,105 |
| Total domestic deposits to total assets | 85.1600% | 2,262 |
| Equity capital to assets | 7.0426% | 3,922 |
| Core capital (leverage) ratio | 10.7526% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,567,400 | 4,266 |
| Average earning assets | $51,859,400 | 4,229 |
| Average equity | $3,297,800 | 4,408 |
| Average total loans | $29,338,400 | 4,147 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 2,020 |
| Cost of funding earning assets | 1.3588% | 1,982 |
| Net interest margin | 3.5607% | 2,085 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.9985% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5680% | 986 |
| Return on assets (ROA) | 1.5680% | 980 |
| Pretax return on assets | 1.6487% | 1,261 |
| Return on Equity (ROE) | 27.0700% | 305 |
| Retained earnings to average equity (ytd only) | 10.5997% | 1,244 |
| Net charge-offs to loans | -0.0046% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.7954% | 3,517 |
| Assets per employee ($millions) | 4.4351% | 3,980 |
| Cash dividends to net income (ytd only)* | 60.8424% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 4,254 |
| Loan loss allowance to noncurrent loans | 146.7213% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,112 |
| Noncurrent loans to loans | 0.4150% | 1,793 |
| Net loans and leases to total assets | 54.9000% | 3,295 |
| Net loans and leases to deposits | 62.0717% | 3,398 |
| Net loans and leases to core deposits | 69.0446% | 3,266 |
| Total domestic deposits to total assets | 88.4500% | 1,427 |
| Equity capital to assets | 5.5692% | 4,119 |
| Core capital (leverage) ratio | 10.6576% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,507,000 | 4,283 |
| Average earning assets | $51,710,750 | 4,248 |
| Average equity | $3,157,250 | 4,430 |
| Average total loans | $28,939,250 | 4,172 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 1,999 |
| Cost of funding earning assets | 1.2714% | 1,783 |
| Net interest margin | 3.5253% | 2,211 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.9878% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5072% | 1,087 |
| Return on assets (ROA) | 1.5072% | 1,089 |
| Pretax return on assets | 1.5982% | 1,418 |
| Return on Equity (ROE) | 25.7000% | 352 |
| Retained earnings to average equity (ytd only) | 7.0771% | 2,259 |
| Net charge-offs to loans | -0.0069% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.4315% | 3,485 |
| Assets per employee ($millions) | 4.1314% | 4,127 |
| Cash dividends to net income (ytd only)* | 72.4638% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 4,262 |
| Loan loss allowance to noncurrent loans | 170.4762% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,214 |
| Noncurrent loans to loans | 0.3697% | 1,818 |
| Net loans and leases to total assets | 52.5500% | 3,364 |
| Net loans and leases to deposits | 59.5179% | 3,450 |
| Net loans and leases to core deposits | 66.0813% | 3,345 |
| Total domestic deposits to total assets | 88.2900% | 1,500 |
| Equity capital to assets | 6.0792% | 4,123 |
| Core capital (leverage) ratio | 10.2893% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,935,667 | 4,302 |
| Average earning assets | $51,910,667 | 4,270 |
| Average equity | $3,221,667 | 4,455 |
| Average total loans | $28,786,333 | 4,185 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 1,621 |
| Cost of funding earning assets | 1.1555% | 1,574 |
| Net interest margin | 3.6424% | 2,028 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.7786% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8362% | 636 |
| Return on assets (ROA) | 1.8362% | 623 |
| Pretax return on assets | 1.8938% | 917 |
| Return on Equity (ROE) | 31.8800% | 202 |
| Retained earnings to average equity (ytd only) | 13.1250% | 1,070 |
| Net charge-offs to loans | -0.0138% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.4314% | 4,059 |
| Assets per employee ($millions) | 4.5338% | 4,006 |
| Cash dividends to net income (ytd only)* | 58.8235% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 4,317 |
| Loan loss allowance to noncurrent loans | 110.4938% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 1,677 |
| Noncurrent loans to loans | 0.5773% | 1,293 |
| Net loans and leases to total assets | 51.2500% | 3,400 |
| Net loans and leases to deposits | 58.0032% | 3,452 |
| Net loans and leases to core deposits | 63.9077% | 3,350 |
| Total domestic deposits to total assets | 88.3500% | 1,792 |
| Equity capital to assets | 6.3174% | 4,099 |
| Core capital (leverage) ratio | 9.9948% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,549,500 | 4,361 |
| Average earning assets | $52,273,500 | 4,324 |
| Average equity | $3,200,000 | 4,518 |
| Average total loans | $28,978,000 | 4,239 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 2,195 |
| Cost of funding earning assets | 0.5736% | 1,000 |
| Net interest margin | 3.2550% | 2,692 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.1603% | 3,127 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0774% | 2,272 |
| Return on assets (ROA) | 1.0774% | 2,215 |
| Pretax return on assets | 1.1407% | 2,638 |
| Return on Equity (ROE) | 16.2500% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.1284% | 2,600 |
| Net charge-offs to loans | 0.0290% | 1,485 |
| Credit loss provision to net charge-offs | 137.5000% | 1,356 |
| Earnings coverage of net charge-offs (x) | 77.8750% | 1,100 |
| Efficiency ratio | 65.0393% | 2,362 |
| Assets per employee ($millions) | 4.7245% | 3,872 |
| Cash dividends to net income (ytd only)* | 62.2837% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5954% | 4,344 |
| Loan loss allowance to noncurrent loans | 101.1364% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 1,617 |
| Noncurrent loans to loans | 0.5887% | 1,267 |
| Net loans and leases to total assets | 52.4200% | 3,326 |
| Net loans and leases to deposits | 58.4436% | 3,423 |
| Net loans and leases to core deposits | 69.6788% | 2,899 |
| Total domestic deposits to total assets | 89.6900% | 1,490 |
| Equity capital to assets | 5.2263% | 4,307 |
| Core capital (leverage) ratio | 9.8415% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,650,000 | 4,401 |
| Average earning assets | $50,384,200 | 4,368 |
| Average equity | $3,557,200 | 4,561 |
| Average total loans | $27,618,800 | 4,273 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 2,194 |
| Cost of funding earning assets | 0.4601% | 938 |
| Net interest margin | 3.1914% | 2,648 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.0571% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1546% | 1,878 |
| Return on assets (ROA) | 1.1546% | 1,852 |
| Pretax return on assets | 1.2252% | 2,272 |
| Return on Equity (ROE) | 16.4800% | 894 |
| Retained earnings to average equity (ytd only) | 3.5260% | 3,607 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.6728% | 2,743 |
| Assets per employee ($millions) | 4.5001% | 4,057 |
| Cash dividends to net income (ytd only)* | 78.6026% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 4,366 |
| Loan loss allowance to noncurrent loans | 103.5503% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 1,688 |
| Noncurrent loans to loans | 0.5930% | 1,361 |
| Net loans and leases to total assets | 52.4500% | 3,245 |
| Net loans and leases to deposits | 58.2911% | 3,319 |
| Net loans and leases to core deposits | 69.2110% | 2,702 |
| Total domestic deposits to total assets | 89.9900% | 1,669 |
| Equity capital to assets | 4.6962% | 4,352 |
| Core capital (leverage) ratio | 10.0271% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $52,889,000 | 4,443 |
| Average earning assets | $49,841,750 | 4,405 |
| Average equity | $3,705,750 | 4,597 |
| Average total loans | $27,049,500 | 4,315 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 2,162 |
| Cost of funding earning assets | 0.3948% | 949 |
| Net interest margin | 3.1012% | 2,536 |
| Noninterest income to average assets | 0.2742% | 3,523 |
| Noninterest expense to average assets | 2.1250% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9673% | 2,283 |
| Return on assets (ROA) | 0.9673% | 2,255 |
| Pretax return on assets | 1.0511% | 2,566 |
| Return on Equity (ROE) | 12.4034% | 1,546 |
| Retained earnings to average equity (ytd only) | -0.7813% | 4,275 |
| Net charge-offs to loans | 0.0075% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 429 |
| Efficiency ratio | 66.9065% | 2,392 |
| Assets per employee ($millions) | 4.3543% | 4,172 |
| Cash dividends to net income (ytd only)* | 106.2992% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6387% | 4,426 |
| Loan loss allowance to noncurrent loans | 214.8148% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,624 |
| Noncurrent loans to loans | 0.2973% | 2,271 |
| Net loans and leases to total assets | 51.8047% | 3,180 |
| Net loans and leases to deposits | 59.2060% | 3,114 |
| Net loans and leases to core deposits | 65.1276% | 2,889 |
| Total domestic deposits to total assets | 87.4990% | 2,762 |
| Equity capital to assets | 6.1586% | 4,151 |
| Core capital (leverage) ratio | 9.8855% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,518,333 | 4,484 |
| Average earning assets | $49,143,000 | 4,467 |
| Average equity | $4,095,667 | 4,611 |
| Average total loans | $26,565,667 | 4,380 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 2,094 |
| Cost of funding earning assets | 0.3429% | 1,264 |
| Net interest margin | 3.0537% | 2,315 |
| Noninterest income to average assets | 0.2811% | 3,451 |
| Noninterest expense to average assets | 1.8765% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1624% | 1,349 |
| Return on assets (ROA) | 1.1624% | 1,346 |
| Pretax return on assets | 1.2459% | 1,669 |
| Return on Equity (ROE) | 13.4965% | 938 |
| Retained earnings to average equity (ytd only) | -3.7049% | 4,353 |
| Net charge-offs to loans | 0.0305% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 739 |
| Efficiency ratio | 60.0973% | 3,476 |
| Assets per employee ($millions) | 4.8396% | 3,890 |
| Cash dividends to net income (ytd only)* | 127.4510% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 4,437 |
| Loan loss allowance to noncurrent loans | 103.5928% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 1,866 |
| Noncurrent loans to loans | 0.6457% | 1,459 |
| Net loans and leases to total assets | 48.2606% | 3,359 |
| Net loans and leases to deposits | 57.1009% | 3,169 |
| Net loans and leases to core deposits | 62.9074% | 2,901 |
| Total domestic deposits to total assets | 84.5180% | 3,653 |
| Equity capital to assets | 7.2808% | 4,058 |
| Core capital (leverage) ratio | 9.8515% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,651,500 | 4,512 |
| Average earning assets | $48,989,500 | 4,495 |
| Average equity | $4,534,500 | 4,609 |
| Average total loans | $26,227,000 | 4,408 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 3,131 |
| Cost of funding earning assets | 0.4186% | 1,403 |
| Net interest margin | 2.9058% | 3,426 |
| Noninterest income to average assets | 0.3498% | 3,343 |
| Noninterest expense to average assets | 2.1086% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8822% | 3,106 |
| Return on assets (ROA) | 0.8822% | 3,166 |
| Pretax return on assets | 0.9335% | 3,409 |
| Return on Equity (ROE) | 8.8384% | 2,972 |
| Retained earnings to average equity (ytd only) | 0.2667% | 4,423 |
| Net charge-offs to loans | -0.0703% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3125% | 1,819 |
| Assets per employee ($millions) | 4.7334% | 3,940 |
| Cash dividends to net income (ytd only)* | 96.9828% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 4,483 |
| Loan loss allowance to noncurrent loans | 203.4884% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,783 |
| Noncurrent loans to loans | 0.3234% | 2,432 |
| Net loans and leases to total assets | 50.7308% | 3,196 |
| Net loans and leases to deposits | 62.1447% | 2,868 |
| Net loans and leases to core deposits | 68.3574% | 2,616 |
| Total domestic deposits to total assets | 81.6333% | 4,021 |
| Equity capital to assets | 9.9737% | 2,678 |
| Core capital (leverage) ratio | 10.0664% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,595,200 | 4,535 |
| Average earning assets | $48,730,400 | 4,519 |
| Average equity | $5,249,800 | 4,608 |
| Average total loans | $25,615,000 | 4,463 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 3,363 |
| Cost of funding earning assets | 0.4278% | 1,499 |
| Net interest margin | 2.8826% | 3,593 |
| Noninterest income to average assets | 0.3742% | 3,235 |
| Noninterest expense to average assets | 1.9698% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0620% | 2,680 |
| Return on assets (ROA) | 1.0620% | 2,750 |
| Pretax return on assets | 1.0797% | 3,244 |
| Return on Equity (ROE) | 10.6380% | 2,504 |
| Retained earnings to average equity (ytd only) | -0.7599% | 4,644 |
| Net charge-offs to loans | -0.0998% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5937% | 2,303 |
| Assets per employee ($millions) | 4.3186% | 4,253 |
| Cash dividends to net income (ytd only)* | 107.1429% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 4,505 |
| Loan loss allowance to noncurrent loans | 1,760.0000% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,070 |
| Noncurrent loans to loans | 0.0397% | 3,928 |
| Net loans and leases to total assets | 48.2064% | 3,608 |
| Net loans and leases to deposits | 59.2117% | 3,310 |
| Net loans and leases to core deposits | 65.1710% | 3,023 |
| Total domestic deposits to total assets | 81.4137% | 4,030 |
| Equity capital to assets | 10.1538% | 2,758 |
| Core capital (leverage) ratio | 9.8832% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,727,250 | 4,594 |
| Average earning assets | $48,935,750 | 4,581 |
| Average equity | $5,264,000 | 4,669 |
| Average total loans | $25,371,500 | 4,525 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2158% | 3,645 |
| Cost of funding earning assets | 0.4369% | 1,605 |
| Net interest margin | 2.7789% | 3,834 |
| Noninterest income to average assets | 0.4375% | 2,920 |
| Noninterest expense to average assets | 1.9801% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0221% | 2,813 |
| Return on assets (ROA) | 1.0221% | 2,894 |
| Pretax return on assets | 1.0485% | 3,337 |
| Return on Equity (ROE) | 10.2950% | 2,652 |
| Retained earnings to average equity (ytd only) | -3.3810% | 4,733 |
| Net charge-offs to loans | -0.1415% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3798% | 2,241 |
| Assets per employee ($millions) | 4.8275% | 3,809 |
| Cash dividends to net income (ytd only)* | 132.8413% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6906% | 4,549 |
| Loan loss allowance to noncurrent loans | 704.0000% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,941 |
| Noncurrent loans to loans | 0.0981% | 3,693 |
| Net loans and leases to total assets | 47.6592% | 3,763 |
| Net loans and leases to deposits | 58.1619% | 3,531 |
| Net loans and leases to core deposits | 63.8140% | 3,301 |
| Total domestic deposits to total assets | 81.9423% | 3,934 |
| Equity capital to assets | 9.8245% | 3,030 |
| Core capital (leverage) ratio | 9.5593% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,028,667 | 4,625 |
| Average earning assets | $49,444,000 | 4,608 |
| Average equity | $5,264,667 | 4,697 |
| Average total loans | $25,442,667 | 4,560 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 3,762 |
| Cost of funding earning assets | 0.4419% | 1,786 |
| Net interest margin | 2.7155% | 3,932 |
| Noninterest income to average assets | 0.4906% | 2,652 |
| Noninterest expense to average assets | 1.7739% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2153% | 2,089 |
| Return on assets (ROA) | 1.2153% | 2,175 |
| Pretax return on assets | 1.2681% | 2,659 |
| Return on Equity (ROE) | 12.1774% | 1,953 |
| Retained earnings to average equity (ytd only) | -9.3788% | 4,805 |
| Net charge-offs to loans | -0.2832% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3127% | 3,260 |
| Assets per employee ($millions) | 5.4143% | 3,205 |
| Cash dividends to net income (ytd only)* | 177.0186% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 4,550 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,242 |
| Noncurrent loans to loans | 0.0408% | 4,079 |
| Net loans and leases to total assets | 44.9606% | 4,038 |
| Net loans and leases to deposits | 54.5611% | 3,901 |
| Net loans and leases to core deposits | 59.7140% | 3,721 |
| Total domestic deposits to total assets | 82.4040% | 3,811 |
| Equity capital to assets | 9.4287% | 3,263 |
| Core capital (leverage) ratio | 9.6071% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,992,000 | 4,641 |
| Average earning assets | $49,789,000 | 4,623 |
| Average equity | $5,288,500 | 4,719 |
| Average total loans | $25,422,000 | 4,585 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 2,812 |
| Cost of funding earning assets | 0.6132% | 2,222 |
| Net interest margin | 3.3593% | 2,904 |
| Noninterest income to average assets | 0.3318% | 3,474 |
| Noninterest expense to average assets | 2.2795% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2496% | 1,381 |
| Return on assets (ROA) | 1.2496% | 1,493 |
| Pretax return on assets | 1.2626% | 2,108 |
| Return on Equity (ROE) | 10.9302% | 1,656 |
| Retained earnings to average equity (ytd only) | 2.0730% | 3,799 |
| Net charge-offs to loans | 0.1194% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 19.5333% | 1,976 |
| Efficiency ratio | 64.3552% | 2,761 |
| Assets per employee ($millions) | 4.7128% | 3,706 |
| Cash dividends to net income (ytd only)* | 81.0345% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 4,718 |
| Loan loss allowance to noncurrent loans | 826.3158% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,175 |
| Noncurrent loans to loans | 0.0722% | 4,006 |
| Net loans and leases to total assets | 50.4794% | 3,789 |
| Net loans and leases to deposits | 62.3903% | 3,578 |
| Net loans and leases to core deposits | 68.6886% | 3,358 |
| Total domestic deposits to total assets | 80.9089% | 3,888 |
| Equity capital to assets | 10.5554% | 2,623 |
| Core capital (leverage) ratio | 10.3670% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,413,200 | 4,694 |
| Average earning assets | $44,354,800 | 4,668 |
| Average equity | $5,306,400 | 4,716 |
| Average total loans | $25,120,600 | 4,613 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,555 |
| Cost of funding earning assets | 0.6570% | 2,286 |
| Net interest margin | 3.4831% | 2,648 |
| Noninterest income to average assets | 0.3640% | 3,280 |
| Noninterest expense to average assets | 2.2076% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4648% | 971 |
| Return on assets (ROA) | 1.4648% | 1,052 |
| Pretax return on assets | 1.4826% | 1,482 |
| Return on Equity (ROE) | 12.5353% | 1,240 |
| Retained earnings to average equity (ytd only) | 0.6331% | 4,349 |
| Net charge-offs to loans | 0.1504% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 17.8929% | 1,985 |
| Efficiency ratio | 59.8236% | 3,412 |
| Assets per employee ($millions) | 4.4333% | 3,923 |
| Cash dividends to net income (ytd only)* | 94.9495% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6178% | 4,703 |
| Loan loss allowance to noncurrent loans | 662.5000% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,193 |
| Noncurrent loans to loans | 0.0932% | 3,992 |
| Net loans and leases to total assets | 52.4525% | 3,933 |
| Net loans and leases to deposits | 66.0103% | 3,622 |
| Net loans and leases to core deposits | 73.2692% | 3,377 |
| Total domestic deposits to total assets | 79.4611% | 3,969 |
| Equity capital to assets | 11.0487% | 2,362 |
| Core capital (leverage) ratio | 10.6911% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,056,250 | 4,730 |
| Average earning assets | $43,026,000 | 4,707 |
| Average equity | $5,265,000 | 4,747 |
| Average total loans | $24,819,250 | 4,647 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 2,362 |
| Cost of funding earning assets | 0.7042% | 2,353 |
| Net interest margin | 3.6361% | 2,359 |
| Noninterest income to average assets | 0.3788% | 3,207 |
| Noninterest expense to average assets | 2.2958% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5199% | 891 |
| Return on assets (ROA) | 1.5199% | 967 |
| Pretax return on assets | 1.5473% | 1,347 |
| Return on Equity (ROE) | 12.7489% | 1,162 |
| Retained earnings to average equity (ytd only) | -1.7994% | 4,569 |
| Net charge-offs to loans | 0.2121% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.0385% | 2,018 |
| Efficiency ratio | 59.7387% | 3,442 |
| Assets per employee ($millions) | 4.2925% | 4,008 |
| Cash dividends to net income (ytd only)* | 114.1141% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 4,660 |
| Loan loss allowance to noncurrent loans | 322.0000% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,001 |
| Noncurrent loans to loans | 0.2034% | 3,653 |
| Net loans and leases to total assets | 51.7165% | 4,049 |
| Net loans and leases to deposits | 65.2112% | 3,790 |
| Net loans and leases to core deposits | 72.6453% | 3,549 |
| Total domestic deposits to total assets | 79.3062% | 3,973 |
| Equity capital to assets | 11.2735% | 2,139 |
| Core capital (leverage) ratio | 11.1757% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,819,667 | 4,767 |
| Average earning assets | $41,748,333 | 4,742 |
| Average equity | $5,224,000 | 4,774 |
| Average total loans | $24,513,000 | 4,679 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 2,421 |
| Cost of funding earning assets | 0.7918% | 2,443 |
| Net interest margin | 3.6684% | 2,439 |
| Noninterest income to average assets | 0.3894% | 3,174 |
| Noninterest expense to average assets | 2.1842% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6239% | 590 |
| Return on assets (ROA) | 1.6239% | 651 |
| Pretax return on assets | 1.6809% | 888 |
| Return on Equity (ROE) | 13.2187% | 842 |
| Retained earnings to average equity (ytd only) | -3.0921% | 4,364 |
| Net charge-offs to loans | 0.5065% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.7097% | 2,032 |
| Efficiency ratio | 56.5111% | 4,159 |
| Assets per employee ($millions) | 3.9361% | 4,010 |
| Cash dividends to net income (ytd only)* | 123.3918% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6472% | 4,691 |
| Loan loss allowance to noncurrent loans | 268.9655% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 3,968 |
| Noncurrent loans to loans | 0.2406% | 3,623 |
| Net loans and leases to total assets | 55.3064% | 3,883 |
| Net loans and leases to deposits | 71.3507% | 3,493 |
| Net loans and leases to core deposits | 73.6030% | 3,661 |
| Total domestic deposits to total assets | 77.5135% | 4,292 |
| Equity capital to assets | 11.7976% | 2,213 |
| Core capital (leverage) ratio | 12.0296% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,121,000 | 4,808 |
| Average earning assets | $39,908,000 | 4,788 |
| Average equity | $5,174,500 | 4,815 |
| Average total loans | $24,479,500 | 4,710 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 2,491 |
| Cost of funding earning assets | 0.8969% | 2,202 |
| Net interest margin | 3.7464% | 2,668 |
| Noninterest income to average assets | 0.3853% | 3,383 |
| Noninterest expense to average assets | 2.5089% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4435% | 1,211 |
| Return on assets (ROA) | 1.4388% | 1,287 |
| Pretax return on assets | 1.4578% | 1,950 |
| Return on Equity (ROE) | 11.9731% | 1,527 |
| Retained earnings to average equity (ytd only) | 2.0186% | 3,991 |
| Net charge-offs to loans | 0.0041% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 162 |
| Efficiency ratio | 63.1737% | 3,194 |
| Assets per employee ($millions) | 3.7223% | 4,247 |
| Cash dividends to net income (ytd only)* | 83.1405% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 4,446 |
| Loan loss allowance to noncurrent loans | 168.4685% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 3,344 |
| Noncurrent loans to loans | 0.4466% | 2,841 |
| Net loans and leases to total assets | 60.2516% | 3,561 |
| Net loans and leases to deposits | 78.8809% | 2,918 |
| Net loans and leases to core deposits | 80.8799% | 3,225 |
| Total domestic deposits to total assets | 76.3830% | 4,561 |
| Equity capital to assets | 12.8001% | 1,639 |
| Core capital (leverage) ratio | 12.4446% | 1,518 |
| Tier 1 risk-based capital ratio | 21.8804% | 1,041 |
| Total risk-based capital ratio | 22.6817% | 1,074 |
| Memoranda: | ||
| Average total assets | $42,050,200 | 4,864 |
| Average earning assets | $40,251,600 | 4,838 |
| Average equity | $5,053,000 | 4,875 |
| Average total loans | $24,185,200 | 4,777 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 2,702 |
| Cost of funding earning assets | 0.9108% | 2,182 |
| Net interest margin | 3.6957% | 2,938 |
| Noninterest income to average assets | 0.3906% | 3,374 |
| Noninterest expense to average assets | 2.3373% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5686% | 1,000 |
| Return on assets (ROA) | 1.5624% | 1,076 |
| Pretax return on assets | 1.5876% | 1,680 |
| Return on Equity (ROE) | 13.2105% | 1,199 |
| Retained earnings to average equity (ytd only) | -0.1864% | 4,779 |
| Net charge-offs to loans | 0.0055% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 507.2556% | 195 |
| Efficiency ratio | 59.4551% | 3,739 |
| Assets per employee ($millions) | 3.7376% | 4,236 |
| Cash dividends to net income (ytd only)* | 101.4108% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 4,469 |
| Loan loss allowance to noncurrent loans | 233.7500% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,786 |
| Noncurrent loans to loans | 0.3323% | 3,345 |
| Net loans and leases to total assets | 58.0970% | 3,876 |
| Net loans and leases to deposits | 76.9821% | 3,204 |
| Net loans and leases to core deposits | 79.5935% | 3,422 |
| Total domestic deposits to total assets | 75.4682% | 4,702 |
| Equity capital to assets | 12.5456% | 1,880 |
| Core capital (leverage) ratio | 11.9106% | 1,914 |
| Tier 1 risk-based capital ratio | 22.8013% | 967 |
| Total risk-based capital ratio | 23.6548% | 993 |
| Memoranda: | ||
| Average total assets | $42,326,500 | 4,936 |
| Average earning assets | $40,550,500 | 4,905 |
| Average equity | $5,006,000 | 4,948 |
| Average total loans | $24,017,250 | 4,854 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 2,971 |
| Cost of funding earning assets | 0.8922% | 2,188 |
| Net interest margin | 3.6226% | 3,183 |
| Noninterest income to average assets | 0.4025% | 3,265 |
| Noninterest expense to average assets | 2.2700% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5725% | 967 |
| Return on assets (ROA) | 1.5633% | 1,025 |
| Pretax return on assets | 1.6007% | 1,549 |
| Return on Equity (ROE) | 13.4804% | 1,105 |
| Retained earnings to average equity (ytd only) | -3.1481% | 4,976 |
| Net charge-offs to loans | 0.0167% | 2,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 436 |
| Efficiency ratio | 58.5042% | 3,934 |
| Assets per employee ($millions) | 3.8889% | 4,014 |
| Cash dividends to net income (ytd only)* | 123.3533% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,501 |
| Loan loss allowance to noncurrent loans | 320.6897% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,081 |
| Noncurrent loans to loans | 0.2441% | 3,661 |
| Net loans and leases to total assets | 55.1124% | 4,132 |
| Net loans and leases to deposits | 69.1764% | 3,905 |
| Net loans and leases to core deposits | 78.1827% | 3,562 |
| Total domestic deposits to total assets | 79.6695% | 4,100 |
| Equity capital to assets | 11.8121% | 2,330 |
| Core capital (leverage) ratio | 11.5697% | 2,110 |
| Tier 1 risk-based capital ratio | 21.6028% | 1,106 |
| Total risk-based capital ratio | 22.4186% | 1,140 |
| Memoranda: | ||
| Average total assets | $42,730,670 | 4,970 |
| Average earning assets | $41,020,000 | 4,944 |
| Average equity | $4,955,330 | 4,989 |
| Average total loans | $23,998,670 | 4,885 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 3,308 |
| Cost of funding earning assets | 0.8795% | 2,099 |
| Net interest margin | 3.4985% | 3,595 |
| Noninterest income to average assets | 0.3840% | 3,303 |
| Noninterest expense to average assets | 2.1823% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4799% | 1,154 |
| Return on assets (ROA) | 1.4799% | 1,178 |
| Pretax return on assets | 1.5548% | 1,599 |
| Return on Equity (ROE) | 12.8809% | 1,258 |
| Retained earnings to average equity (ytd only) | -8.5601% | 5,052 |
| Net charge-offs to loans | 0.0332% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 748 |
| Efficiency ratio | 58.3960% | 4,023 |
| Assets per employee ($millions) | 3.8507% | 4,119 |
| Cash dividends to net income (ytd only)* | 166.4557% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,510 |
| Loan loss allowance to noncurrent loans | 40.9692% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 1,295 |
| Noncurrent loans to loans | 1.9628% | 762 |
| Net loans and leases to total assets | 54.1669% | 4,201 |
| Net loans and leases to deposits | 67.8897% | 3,936 |
| Net loans and leases to core deposits | 76.8000% | 3,609 |
| Total domestic deposits to total assets | 79.7866% | 4,206 |
| Equity capital to assets | 11.6483% | 2,274 |
| Core capital (leverage) ratio | 11.4712% | 2,153 |
| Tier 1 risk-based capital ratio | 21.4052% | 1,117 |
| Total risk-based capital ratio | 22.2179% | 1,149 |
| Memoranda: | ||
| Average total assets | $42,707,000 | 5,019 |
| Average earning assets | $40,932,000 | 4,991 |
| Average equity | $4,906,500 | 5,041 |
| Average total loans | $24,117,000 | 4,936 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 3,049 |
| Cost of funding earning assets | 0.6931% | 2,135 |
| Net interest margin | 3.6254% | 3,296 |
| Noninterest income to average assets | 0.3868% | 3,515 |
| Noninterest expense to average assets | 2.3578% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4730% | 1,196 |
| Return on assets (ROA) | 1.4730% | 1,188 |
| Pretax return on assets | 1.4939% | 1,799 |
| Return on Equity (ROE) | 12.4603% | 1,558 |
| Retained earnings to average equity (ytd only) | -9.8546% | 5,317 |
| Net charge-offs to loans | -0.0119% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2147% | 3,658 |
| Assets per employee ($millions) | 3.9142% | 4,020 |
| Cash dividends to net income (ytd only)* | 179.0881% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 4,678 |
| Loan loss allowance to noncurrent loans | 186.1386% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 3,575 |
| Noncurrent loans to loans | 0.4023% | 3,087 |
| Net loans and leases to total assets | 57.8688% | 3,982 |
| Net loans and leases to deposits | 73.6397% | 3,532 |
| Net loans and leases to core deposits | 82.5908% | 3,214 |
| Total domestic deposits to total assets | 78.5837% | 4,393 |
| Equity capital to assets | 11.3318% | 2,387 |
| Core capital (leverage) ratio | 11.4572% | 2,137 |
| Tier 1 risk-based capital ratio | 20.4112% | 1,241 |
| Total risk-based capital ratio | 21.1782% | 1,292 |
| Memoranda: | ||
| Average total assets | $43,176,200 | 5,059 |
| Average earning assets | $41,264,800 | 5,029 |
| Average equity | $5,104,200 | 5,038 |
| Average total loans | $25,290,800 | 4,927 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 3,157 |
| Cost of funding earning assets | 0.6617% | 2,083 |
| Net interest margin | 3.5860% | 3,413 |
| Noninterest income to average assets | 0.3765% | 3,624 |
| Noninterest expense to average assets | 2.2311% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5460% | 1,074 |
| Return on assets (ROA) | 1.5460% | 1,077 |
| Pretax return on assets | 1.5738% | 1,659 |
| Return on Equity (ROE) | 12.9441% | 1,452 |
| Retained earnings to average equity (ytd only) | -16.4839% | 5,430 |
| Net charge-offs to loans | 0.0052% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 511.2632% | 180 |
| Efficiency ratio | 58.6375% | 4,018 |
| Assets per employee ($millions) | 4.0252% | 3,843 |
| Cash dividends to net income (ytd only)* | 227.3466% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,755 |
| Loan loss allowance to noncurrent loans | 45.2088% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 1,563 |
| Noncurrent loans to loans | 1.6590% | 941 |
| Net loans and leases to total assets | 54.9924% | 4,293 |
| Net loans and leases to deposits | 67.4469% | 4,095 |
| Net loans and leases to core deposits | 75.0655% | 3,873 |
| Total domestic deposits to total assets | 81.5344% | 3,731 |
| Equity capital to assets | 10.5043% | 3,139 |
| Core capital (leverage) ratio | 11.1490% | 2,458 |
| Tier 1 risk-based capital ratio | 19.7437% | 1,392 |
| Total risk-based capital ratio | 20.4899% | 1,453 |
| Memoranda: | ||
| Average total assets | $43,206,250 | 5,121 |
| Average earning assets | $41,308,000 | 5,091 |
| Average equity | $5,160,500 | 5,087 |
| Average total loans | $25,337,500 | 4,985 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 3,010 |
| Cost of funding earning assets | 0.6009% | 2,217 |
| Net interest margin | 3.6300% | 3,198 |
| Noninterest income to average assets | 0.4014% | 3,478 |
| Noninterest expense to average assets | 2.2404% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5870% | 942 |
| Return on assets (ROA) | 1.5870% | 948 |
| Pretax return on assets | 1.6290% | 1,406 |
| Return on Equity (ROE) | 12.7572% | 1,459 |
| Retained earnings to average equity (ytd only) | -2.7015% | 5,197 |
| Net charge-offs to loans | -0.0234% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9011% | 4,249 |
| Assets per employee ($millions) | 3.9135% | 4,035 |
| Cash dividends to net income (ytd only)* | 121.1765% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,809 |
| Loan loss allowance to noncurrent loans | 244.1558% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 801 |
| Noncurrent loans to loans | 0.3106% | 3,593 |
| Net loans and leases to total assets | 57.1594% | 4,072 |
| Net loans and leases to deposits | 73.1472% | 3,609 |
| Net loans and leases to core deposits | 79.4306% | 3,466 |
| Total domestic deposits to total assets | 78.1430% | 4,563 |
| Equity capital to assets | 12.2723% | 1,684 |
| Core capital (leverage) ratio | 12.5360% | 1,421 |
| Tier 1 risk-based capital ratio | 21.7752% | 1,069 |
| Total risk-based capital ratio | 22.5286% | 1,111 |
| Memoranda: | ||
| Average total assets | $42,849,330 | 5,186 |
| Average earning assets | $40,936,670 | 5,154 |
| Average equity | $5,330,330 | 5,108 |
| Average total loans | $25,605,670 | 5,035 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,093 |
| Cost of funding earning assets | 0.5453% | 2,440 |
| Net interest margin | 3.5933% | 3,207 |
| Noninterest income to average assets | 0.4211% | 3,309 |
| Noninterest expense to average assets | 2.2175% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5719% | 917 |
| Return on assets (ROA) | 1.5719% | 928 |
| Pretax return on assets | 1.6561% | 1,225 |
| Return on Equity (ROE) | 12.5514% | 1,397 |
| Retained earnings to average equity (ytd only) | -12.6261% | 5,420 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2464% | 4,438 |
| Assets per employee ($millions) | 3.9678% | 4,031 |
| Cash dividends to net income (ytd only)* | 200.5952% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 4,968 |
| Loan loss allowance to noncurrent loans | 22.6601% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.8604% | 644 |
| Noncurrent loans to loans | 3.2097% | 352 |
| Net loans and leases to total assets | 57.5402% | 3,986 |
| Net loans and leases to deposits | 74.0476% | 3,412 |
| Net loans and leases to core deposits | 80.3494% | 3,296 |
| Total domestic deposits to total assets | 77.7070% | 4,764 |
| Equity capital to assets | 11.9415% | 1,833 |
| Core capital (leverage) ratio | 12.4842% | 1,400 |
| Tier 1 risk-based capital ratio | 21.0110% | 1,205 |
| Total risk-based capital ratio | 21.7354% | 1,248 |
| Memoranda: | ||
| Average total assets | $42,750,000 | 5,242 |
| Average earning assets | $41,077,000 | 5,209 |
| Average equity | $5,354,000 | 5,158 |
| Average total loans | $26,011,500 | 5,075 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,557 |
| Cost of funding earning assets | 0.4894% | 2,429 |
| Net interest margin | 3.7464% | 2,617 |
| Noninterest income to average assets | 0.3831% | 3,741 |
| Noninterest expense to average assets | 2.4239% | 4,006 |
| Loan and lease loss provision to assets | 0.0265% | 3,764 |
| Net operating income to assets | 1.4939% | 815 |
| Return on assets (ROA) | 1.4939% | 837 |
| Pretax return on assets | 1.5107% | 1,597 |
| Return on Equity (ROE) | 11.5302% | 1,335 |
| Retained earnings to average equity (ytd only) | 4.1657% | 2,668 |
| Net charge-offs to loans | 0.0379% | 3,036 |
| Credit loss provision to net charge-offs | 110.0000% | 2,372 |
| Earnings coverage of net charge-offs (x) | 63.8000% | 915 |
| Efficiency ratio | 61.1922% | 4,081 |
| Assets per employee ($millions) | 3.8049% | 4,273 |
| Cash dividends to net income (ytd only)* | 63.8710% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 5,093 |
| Loan loss allowance to noncurrent loans | 25.8427% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 754 |
| Noncurrent loans to loans | 2.6642% | 475 |
| Net loans and leases to total assets | 63.4133% | 3,433 |
| Net loans and leases to deposits | 83.7599% | 2,518 |
| Net loans and leases to core deposits | 90.6486% | 2,495 |
| Total domestic deposits to total assets | 75.7084% | 5,011 |
| Equity capital to assets | 13.1314% | 1,202 |
| Core capital (leverage) ratio | 13.2080% | 1,073 |
| Tier 1 risk-based capital ratio | 21.0651% | 1,135 |
| Total risk-based capital ratio | 21.7691% | 1,195 |
| Memoranda: | ||
| Average total assets | $41,502,800 | 5,311 |
| Average earning assets | $39,638,200 | 5,281 |
| Average equity | $5,377,200 | 5,207 |
| Average total loans | $26,365,000 | 5,116 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,604 |
| Cost of funding earning assets | 0.4750% | 2,480 |
| Net interest margin | 3.7295% | 2,661 |
| Noninterest income to average assets | 0.3960% | 3,714 |
| Noninterest expense to average assets | 2.4274% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5099% | 873 |
| Return on assets (ROA) | 1.5099% | 901 |
| Pretax return on assets | 1.5324% | 1,661 |
| Return on Equity (ROE) | 11.6937% | 1,424 |
| Retained earnings to average equity (ytd only) | 1.8201% | 4,701 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3008% | 4,000 |
| Assets per employee ($millions) | 3.7745% | 4,331 |
| Cash dividends to net income (ytd only)* | 84.4352% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 5,127 |
| Loan loss allowance to noncurrent loans | 25.5911% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 822 |
| Noncurrent loans to loans | 2.7576% | 505 |
| Net loans and leases to total assets | 62.3531% | 3,610 |
| Net loans and leases to deposits | 82.6069% | 2,710 |
| Net loans and leases to core deposits | 89.4760% | 2,657 |
| Total domestic deposits to total assets | 75.4817% | 5,076 |
| Equity capital to assets | 13.1575% | 1,312 |
| Core capital (leverage) ratio | 12.7085% | 1,332 |
| Tier 1 risk-based capital ratio | 20.8886% | 1,214 |
| Total risk-based capital ratio | 21.6063% | 1,272 |
| Memoranda: | ||
| Average total assets | $41,415,000 | 5,371 |
| Average earning assets | $39,575,500 | 5,340 |
| Average equity | $5,347,500 | 5,271 |
| Average total loans | $26,275,000 | 5,169 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,547 |
| Cost of funding earning assets | 0.4616% | 2,488 |
| Net interest margin | 3.7184% | 2,591 |
| Noninterest income to average assets | 0.4012% | 3,684 |
| Noninterest expense to average assets | 2.4698% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4403% | 974 |
| Return on assets (ROA) | 1.4403% | 1,005 |
| Pretax return on assets | 1.4741% | 1,742 |
| Return on Equity (ROE) | 11.2262% | 1,559 |
| Retained earnings to average equity (ytd only) | -0.3014% | 5,123 |
| Net charge-offs to loans | 0.0076% | 3,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 277 |
| Efficiency ratio | 62.6225% | 3,883 |
| Assets per employee ($millions) | 3.7718% | 4,317 |
| Cash dividends to net income (ytd only)* | 102.6846% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 5,175 |
| Loan loss allowance to noncurrent loans | 26.7544% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.6486% | 897 |
| Noncurrent loans to loans | 2.6753% | 527 |
| Net loans and leases to total assets | 61.1810% | 3,725 |
| Net loans and leases to deposits | 80.3622% | 2,868 |
| Net loans and leases to core deposits | 87.0000% | 2,797 |
| Total domestic deposits to total assets | 76.1316% | 5,078 |
| Equity capital to assets | 12.9790% | 1,386 |
| Core capital (leverage) ratio | 12.5392% | 1,355 |
| Tier 1 risk-based capital ratio | 20.8343% | 1,220 |
| Total risk-based capital ratio | 21.5572% | 1,282 |
| Memoranda: | ||
| Average total assets | $41,380,000 | 5,418 |
| Average earning assets | $39,426,000 | 5,381 |
| Average equity | $5,309,000 | 5,311 |
| Average total loans | $26,342,330 | 5,209 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 2,605 |
| Cost of funding earning assets | 0.4389% | 2,626 |
| Net interest margin | 3.6745% | 2,578 |
| Noninterest income to average assets | 0.3775% | 3,827 |
| Noninterest expense to average assets | 2.5263% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2680% | 1,327 |
| Return on assets (ROA) | 1.2680% | 1,359 |
| Pretax return on assets | 1.3358% | 2,117 |
| Return on Equity (ROE) | 9.9412% | 1,987 |
| Retained earnings to average equity (ytd only) | -7.5887% | 5,509 |
| Net charge-offs to loans | 0.0150% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 397 |
| Efficiency ratio | 65.4135% | 3,588 |
| Assets per employee ($millions) | 3.4590% | 4,847 |
| Cash dividends to net income (ytd only)* | 176.3359% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 5,282 |
| Loan loss allowance to noncurrent loans | 26.0684% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 889 |
| Noncurrent loans to loans | 2.7276% | 544 |
| Net loans and leases to total assets | 61.5640% | 3,593 |
| Net loans and leases to deposits | 80.4800% | 2,688 |
| Net loans and leases to core deposits | 87.0872% | 2,632 |
| Total domestic deposits to total assets | 76.4961% | 5,172 |
| Equity capital to assets | 12.6265% | 1,451 |
| Core capital (leverage) ratio | 12.4141% | 1,381 |
| Tier 1 risk-based capital ratio | 20.3903% | 1,321 |
| Total risk-based capital ratio | 21.1104% | 1,389 |
| Memoranda: | ||
| Average total assets | $41,325,000 | 5,481 |
| Average earning assets | $39,188,500 | 5,445 |
| Average equity | $5,271,000 | 5,369 |
| Average total loans | $26,730,000 | 5,246 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 2,894 |
| Cost of funding earning assets | 0.4680% | 2,374 |
| Net interest margin | 3.6219% | 2,991 |
| Noninterest income to average assets | 0.3980% | 3,901 |
| Noninterest expense to average assets | 2.5647% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2787% | 1,274 |
| Return on assets (ROA) | 1.2861% | 1,317 |
| Pretax return on assets | 1.3060% | 2,260 |
| Return on Equity (ROE) | 9.6744% | 2,118 |
| Retained earnings to average equity (ytd only) | 1.7964% | 4,506 |
| Net charge-offs to loans | -0.0496% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3876% | 3,528 |
| Assets per employee ($millions) | 3.4285% | 4,857 |
| Cash dividends to net income (ytd only)* | 81.4313% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 5,424 |
| Loan loss allowance to noncurrent loans | 28.1346% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 1,012 |
| Noncurrent loans to loans | 2.3591% | 692 |
| Net loans and leases to total assets | 66.9365% | 2,939 |
| Net loans and leases to deposits | 91.0109% | 1,577 |
| Net loans and leases to core deposits | 98.8762% | 1,719 |
| Total domestic deposits to total assets | 73.5477% | 5,470 |
| Equity capital to assets | 12.8846% | 1,312 |
| Core capital (leverage) ratio | 12.7563% | 1,228 |
| Tier 1 risk-based capital ratio | 19.5456% | 1,466 |
| Total risk-based capital ratio | 20.2265% | 1,567 |
| Memoranda: | ||
| Average total assets | $40,200,400 | 5,541 |
| Average earning assets | $38,460,800 | 5,498 |
| Average equity | $5,344,000 | 5,400 |
| Average total loans | $26,193,000 | 5,310 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 2,840 |
| Cost of funding earning assets | 0.4802% | 2,259 |
| Net interest margin | 3.6296% | 2,969 |
| Noninterest income to average assets | 0.4170% | 3,802 |
| Noninterest expense to average assets | 2.5421% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3280% | 1,218 |
| Return on assets (ROA) | 1.3378% | 1,273 |
| Pretax return on assets | 1.3645% | 2,178 |
| Return on Equity (ROE) | 9.9846% | 2,059 |
| Retained earnings to average equity (ytd only) | -0.4981% | 5,436 |
| Net charge-offs to loans | -0.0723% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2397% | 3,725 |
| Assets per employee ($millions) | 3.2927% | 5,052 |
| Cash dividends to net income (ytd only)* | 104.9883% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 5,428 |
| Loan loss allowance to noncurrent loans | 840.9091% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 5,233 |
| Noncurrent loans to loans | 0.0833% | 5,018 |
| Net loans and leases to total assets | 66.3824% | 3,056 |
| Net loans and leases to deposits | 90.1340% | 1,736 |
| Net loans and leases to core deposits | 98.2580% | 1,788 |
| Total domestic deposits to total assets | 73.6485% | 5,466 |
| Equity capital to assets | 13.6566% | 1,175 |
| Core capital (leverage) ratio | 12.8236% | 1,256 |
| Tier 1 risk-based capital ratio | 20.1907% | 1,412 |
| Total risk-based capital ratio | 20.9138% | 1,474 |
| Memoranda: | ||
| Average total assets | $39,965,000 | 5,597 |
| Average earning assets | $38,313,750 | 5,555 |
| Average equity | $5,354,750 | 5,457 |
| Average total loans | $25,810,500 | 5,375 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,049 |
| Cost of funding earning assets | 0.4833% | 2,243 |
| Net interest margin | 3.5703% | 3,206 |
| Noninterest income to average assets | 0.4238% | 3,709 |
| Noninterest expense to average assets | 2.5177% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2917% | 1,289 |
| Return on assets (ROA) | 1.3062% | 1,356 |
| Pretax return on assets | 1.3461% | 2,221 |
| Return on Equity (ROE) | 9.8109% | 2,132 |
| Retained earnings to average equity (ytd only) | -3.1455% | 5,647 |
| Net charge-offs to loans | -0.1093% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4145% | 3,775 |
| Assets per employee ($millions) | 3.2765% | 5,106 |
| Cash dividends to net income (ytd only)* | 132.0611% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 5,448 |
| Loan loss allowance to noncurrent loans | 3,083.3333% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 5,546 |
| Noncurrent loans to loans | 0.0238% | 5,377 |
| Net loans and leases to total assets | 63.6324% | 3,421 |
| Net loans and leases to deposits | 87.4546% | 2,071 |
| Net loans and leases to core deposits | 91.9681% | 2,355 |
| Total domestic deposits to total assets | 72.7606% | 5,617 |
| Equity capital to assets | 13.6579% | 1,160 |
| Core capital (leverage) ratio | 12.5000% | 1,354 |
| Tier 1 risk-based capital ratio | 20.5493% | 1,338 |
| Total risk-based capital ratio | 21.2942% | 1,416 |
| Memoranda: | ||
| Average total assets | $40,116,000 | 5,660 |
| Average earning assets | $38,484,000 | 5,617 |
| Average equity | $5,341,000 | 5,511 |
| Average total loans | $25,609,330 | 5,439 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,115 |
| Cost of funding earning assets | 0.4728% | 2,344 |
| Net interest margin | 3.5563% | 3,248 |
| Noninterest income to average assets | 0.4147% | 3,720 |
| Noninterest expense to average assets | 2.4880% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2655% | 1,353 |
| Return on assets (ROA) | 1.2933% | 1,358 |
| Pretax return on assets | 1.3723% | 1,991 |
| Return on Equity (ROE) | 9.8376% | 2,059 |
| Retained earnings to average equity (ytd only) | -4.8062% | 5,599 |
| Net charge-offs to loans | 0.0465% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 938 |
| Efficiency ratio | 64.9485% | 3,986 |
| Assets per employee ($millions) | 3.4033% | 4,965 |
| Cash dividends to net income (ytd only)* | 148.8550% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 5,632 |
| Loan loss allowance to noncurrent loans | 329.4118% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,071 |
| Noncurrent loans to loans | 0.2059% | 4,685 |
| Net loans and leases to total assets | 60.2277% | 3,740 |
| Net loans and leases to deposits | 82.5680% | 2,477 |
| Net loans and leases to core deposits | 89.8127% | 2,392 |
| Total domestic deposits to total assets | 72.9432% | 5,710 |
| Equity capital to assets | 13.0020% | 1,407 |
| Core capital (leverage) ratio | 12.3004% | 1,434 |
| Tier 1 risk-based capital ratio | 20.5579% | 1,394 |
| Total risk-based capital ratio | 21.2322% | 1,472 |
| Memoranda: | ||
| Average total assets | $40,515,000 | 5,710 |
| Average earning assets | $38,917,000 | 5,659 |
| Average equity | $5,326,500 | 5,546 |
| Average total loans | $25,812,000 | 5,488 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,941 |
| Cost of funding earning assets | 0.4489% | 2,634 |
| Net interest margin | 3.6453% | 2,960 |
| Noninterest income to average assets | 0.4236% | 3,862 |
| Noninterest expense to average assets | 2.4581% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4464% | 950 |
| Return on assets (ROA) | 1.5024% | 895 |
| Pretax return on assets | 1.5221% | 1,486 |
| Return on Equity (ROE) | 11.7254% | 1,375 |
| Retained earnings to average equity (ytd only) | 3.6522% | 3,452 |
| Net charge-offs to loans | 0.0694% | 2,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 33.0556% | 1,352 |
| Efficiency ratio | 62.6491% | 4,506 |
| Assets per employee ($millions) | 3.3492% | 5,068 |
| Cash dividends to net income (ytd only)* | 68.8525% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6367% | 5,745 |
| Loan loss allowance to noncurrent loans | 488.5714% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 5,277 |
| Noncurrent loans to loans | 0.1303% | 4,968 |
| Net loans and leases to total assets | 66.4046% | 2,926 |
| Net loans and leases to deposits | 94.7626% | 1,132 |
| Net loans and leases to core deposits | 102.6027% | 1,319 |
| Total domestic deposits to total assets | 70.0746% | 5,893 |
| Equity capital to assets | 13.2944% | 1,214 |
| Core capital (leverage) ratio | 12.6303% | 1,293 |
| Tier 1 risk-based capital ratio | 19.6962% | 1,544 |
| Total risk-based capital ratio | 20.3456% | 1,637 |
| Memoranda: | ||
| Average total assets | $40,600,800 | 5,753 |
| Average earning assets | $38,981,400 | 5,704 |
| Average equity | $5,202,400 | 5,606 |
| Average total loans | $25,923,400 | 5,520 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,038 |
| Cost of funding earning assets | 0.4508% | 2,675 |
| Net interest margin | 3.6264% | 3,047 |
| Noninterest income to average assets | 0.4127% | 3,991 |
| Noninterest expense to average assets | 2.3519% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5142% | 899 |
| Return on assets (ROA) | 1.5559% | 881 |
| Pretax return on assets | 1.5821% | 1,435 |
| Return on Equity (ROE) | 12.2564% | 1,304 |
| Retained earnings to average equity (ytd only) | 1.4191% | 5,151 |
| Net charge-offs to loans | -0.0415% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4377% | 4,825 |
| Assets per employee ($millions) | 3.6575% | 4,506 |
| Cash dividends to net income (ytd only)* | 88.4213% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 5,575 |
| Loan loss allowance to noncurrent loans | 203.0928% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 4,796 |
| Noncurrent loans to loans | 0.3813% | 4,244 |
| Net loans and leases to total assets | 62.7436% | 3,496 |
| Net loans and leases to deposits | 85.7177% | 2,174 |
| Net loans and leases to core deposits | 92.4720% | 2,218 |
| Total domestic deposits to total assets | 73.1980% | 5,771 |
| Equity capital to assets | 13.0344% | 1,424 |
| Core capital (leverage) ratio | 12.2878% | 1,520 |
| Tier 1 risk-based capital ratio | 20.5016% | 1,434 |
| Total risk-based capital ratio | 21.3010% | 1,499 |
| Memoranda: | ||
| Average total assets | $40,703,500 | 5,827 |
| Average earning assets | $39,045,500 | 5,777 |
| Average equity | $5,167,250 | 5,683 |
| Average total loans | $25,689,500 | 5,591 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 3,151 |
| Cost of funding earning assets | 0.4536% | 2,683 |
| Net interest margin | 3.5781% | 3,172 |
| Noninterest income to average assets | 0.4112% | 3,999 |
| Noninterest expense to average assets | 2.2907% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5178% | 871 |
| Return on assets (ROA) | 1.5418% | 876 |
| Pretax return on assets | 1.5810% | 1,388 |
| Return on Equity (ROE) | 12.2528% | 1,298 |
| Retained earnings to average equity (ytd only) | -0.5835% | 5,622 |
| Net charge-offs to loans | -0.0621% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5420% | 5,042 |
| Assets per employee ($millions) | 3.7006% | 4,425 |
| Cash dividends to net income (ytd only)* | 104.7619% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 5,677 |
| Loan loss allowance to noncurrent loans | 255.8442% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,109 |
| Noncurrent loans to loans | 0.2995% | 4,616 |
| Net loans and leases to total assets | 62.6772% | 3,453 |
| Net loans and leases to deposits | 85.6836% | 2,084 |
| Net loans and leases to core deposits | 92.3550% | 2,120 |
| Total domestic deposits to total assets | 73.1496% | 5,856 |
| Equity capital to assets | 12.5040% | 1,654 |
| Core capital (leverage) ratio | 12.0911% | 1,599 |
| Tier 1 risk-based capital ratio | 19.9615% | 1,554 |
| Total risk-based capital ratio | 20.7509% | 1,635 |
| Memoranda: | ||
| Average total assets | $40,860,670 | 5,887 |
| Average earning assets | $39,238,330 | 5,835 |
| Average equity | $5,141,670 | 5,742 |
| Average total loans | $25,772,670 | 5,642 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,297 |
| Cost of funding earning assets | 0.4468% | 2,799 |
| Net interest margin | 3.5337% | 3,287 |
| Noninterest income to average assets | 0.3908% | 4,080 |
| Noninterest expense to average assets | 2.3353% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3777% | 1,072 |
| Return on assets (ROA) | 1.3777% | 1,132 |
| Pretax return on assets | 1.4559% | 1,709 |
| Return on Equity (ROE) | 10.9144% | 1,656 |
| Retained earnings to average equity (ytd only) | -3.0189% | 5,797 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5979% | 4,868 |
| Assets per employee ($millions) | 3.6855% | 4,542 |
| Cash dividends to net income (ytd only)* | 127.6596% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 5,780 |
| Loan loss allowance to noncurrent loans | 26.5077% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7587% | 1,400 |
| Noncurrent loans to loans | 2.8745% | 786 |
| Net loans and leases to total assets | 60.7163% | 3,557 |
| Net loans and leases to deposits | 79.2192% | 2,659 |
| Net loans and leases to core deposits | 85.1112% | 2,640 |
| Total domestic deposits to total assets | 76.6434% | 5,670 |
| Equity capital to assets | 12.8512% | 1,480 |
| Core capital (leverage) ratio | 11.7040% | 1,849 |
| Tier 1 risk-based capital ratio | 20.0892% | 1,593 |
| Total risk-based capital ratio | 20.8551% | 1,673 |
| Memoranda: | ||
| Average total assets | $40,937,500 | 5,940 |
| Average earning assets | $39,392,500 | 5,884 |
| Average equity | $5,167,500 | 5,790 |
| Average total loans | $25,803,500 | 5,688 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,397 |
| Cost of funding earning assets | 0.4642% | 3,031 |
| Net interest margin | 3.6161% | 3,352 |
| Noninterest income to average assets | 0.4295% | 3,974 |
| Noninterest expense to average assets | 2.3709% | 4,919 |
| Loan and lease loss provision to assets | 0.0319% | 3,961 |
| Net operating income to assets | 1.4678% | 938 |
| Return on assets (ROA) | 1.4800% | 955 |
| Pretax return on assets | 1.4996% | 1,546 |
| Return on Equity (ROE) | 12.4320% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.9274% | 2,651 |
| Net charge-offs to loans | 0.0512% | 3,805 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 47.6154% | 963 |
| Efficiency ratio | 60.9464% | 5,080 |
| Assets per employee ($millions) | 3.1795% | 5,459 |
| Cash dividends to net income (ytd only)* | 60.3648% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 5,982 |
| Loan loss allowance to noncurrent loans | 96.9231% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 4,231 |
| Noncurrent loans to loans | 0.7275% | 3,502 |
| Net loans and leases to total assets | 64.3877% | 3,159 |
| Net loans and leases to deposits | 88.1463% | 1,721 |
| Net loans and leases to core deposits | 94.9043% | 1,825 |
| Total domestic deposits to total assets | 73.0464% | 6,013 |
| Equity capital to assets | 12.3990% | 1,705 |
| Core capital (leverage) ratio | 11.6864% | 1,837 |
| Tier 1 risk-based capital ratio | 12.0671% | 5,316 |
| Total risk-based capital ratio | 12.5235% | 5,701 |
| Memoranda: | ||
| Average total assets | $40,744,000 | 6,018 |
| Average earning assets | $38,992,400 | 5,951 |
| Average equity | $4,850,400 | 5,895 |
| Average total loans | $25,403,600 | 5,767 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 3,492 |
| Cost of funding earning assets | 0.4673% | 3,080 |
| Net interest margin | 3.6009% | 3,424 |
| Noninterest income to average assets | 0.4401% | 3,956 |
| Noninterest expense to average assets | 2.2990% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5571% | 828 |
| Return on assets (ROA) | 1.5732% | 834 |
| Pretax return on assets | 1.5994% | 1,325 |
| Return on Equity (ROE) | 13.3560% | 1,125 |
| Retained earnings to average equity (ytd only) | 3.2066% | 4,350 |
| Net charge-offs to loans | -0.0053% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2217% | 5,283 |
| Assets per employee ($millions) | 2.9269% | 5,814 |
| Cash dividends to net income (ytd only)* | 75.9915% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 6,035 |
| Loan loss allowance to noncurrent loans | 223.5294% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 5,395 |
| Noncurrent loans to loans | 0.3279% | 4,924 |
| Net loans and leases to total assets | 62.8051% | 3,373 |
| Net loans and leases to deposits | 83.5633% | 2,215 |
| Net loans and leases to core deposits | 89.8349% | 2,237 |
| Total domestic deposits to total assets | 75.1586% | 5,910 |
| Equity capital to assets | 12.1193% | 1,965 |
| Core capital (leverage) ratio | 11.6193% | 1,966 |
| Tier 1 risk-based capital ratio | 11.8585% | 5,585 |
| Total risk-based capital ratio | 12.3208% | 5,920 |
| Memoranda: | ||
| Average total assets | $40,596,500 | 6,093 |
| Average earning assets | $38,804,500 | 6,030 |
| Average equity | $4,781,750 | 5,976 |
| Average total loans | $25,053,750 | 5,840 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,709 |
| Cost of funding earning assets | 0.4710% | 3,101 |
| Net interest margin | 3.5351% | 3,635 |
| Noninterest income to average assets | 0.4398% | 3,945 |
| Noninterest expense to average assets | 2.3178% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4579% | 949 |
| Return on assets (ROA) | 1.4579% | 992 |
| Pretax return on assets | 1.4974% | 1,542 |
| Return on Equity (ROE) | 12.4991% | 1,307 |
| Retained earnings to average equity (ytd only) | 0.8474% | 5,407 |
| Net charge-offs to loans | -0.0081% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7513% | 5,184 |
| Assets per employee ($millions) | 3.4443% | 4,962 |
| Cash dividends to net income (ytd only)* | 93.2203% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 6,080 |
| Loan loss allowance to noncurrent loans | 153.2258% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 5,165 |
| Noncurrent loans to loans | 0.4919% | 4,520 |
| Net loans and leases to total assets | 60.5342% | 3,628 |
| Net loans and leases to deposits | 78.0339% | 2,797 |
| Net loans and leases to core deposits | 82.5388% | 2,908 |
| Total domestic deposits to total assets | 77.5743% | 5,709 |
| Equity capital to assets | 11.7463% | 2,207 |
| Core capital (leverage) ratio | 11.2521% | 2,192 |
| Tier 1 risk-based capital ratio | 11.5244% | 5,783 |
| Total risk-based capital ratio | 11.9826% | 6,112 |
| Memoranda: | ||
| Average total assets | $40,470,000 | 6,158 |
| Average earning assets | $38,640,670 | 6,085 |
| Average equity | $4,720,330 | 6,031 |
| Average total loans | $24,763,330 | 5,895 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 3,741 |
| Cost of funding earning assets | 0.4606% | 3,305 |
| Net interest margin | 3.5275% | 3,579 |
| Noninterest income to average assets | 0.4496% | 3,798 |
| Noninterest expense to average assets | 2.3577% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3787% | 1,038 |
| Return on assets (ROA) | 1.3787% | 1,080 |
| Pretax return on assets | 1.4586% | 1,556 |
| Return on Equity (ROE) | 11.8633% | 1,449 |
| Retained earnings to average equity (ytd only) | 1.2035% | 5,124 |
| Net charge-offs to loans | -0.0163% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7801% | 5,154 |
| Assets per employee ($millions) | 3.7349% | 4,460 |
| Cash dividends to net income (ytd only)* | 89.8551% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 6,088 |
| Loan loss allowance to noncurrent loans | 327.5862% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 5,826 |
| Noncurrent loans to loans | 0.2463% | 5,367 |
| Net loans and leases to total assets | 56.8469% | 4,032 |
| Net loans and leases to deposits | 73.1467% | 3,181 |
| Net loans and leases to core deposits | 78.6920% | 3,123 |
| Total domestic deposits to total assets | 77.7164% | 5,867 |
| Equity capital to assets | 11.5446% | 2,208 |
| Core capital (leverage) ratio | 11.5573% | 1,928 |
| Tier 1 risk-based capital ratio | 11.5494% | 5,888 |
| Total risk-based capital ratio | 12.0093% | 6,215 |
| Memoranda: | ||
| Average total assets | $40,039,000 | 6,233 |
| Average earning assets | $38,213,500 | 6,160 |
| Average equity | $4,653,000 | 6,080 |
| Average total loans | $24,540,000 | 5,961 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,506 |
| Cost of funding earning assets | 0.5475% | 3,138 |
| Net interest margin | 3.6105% | 3,421 |
| Noninterest income to average assets | 0.4637% | 4,002 |
| Noninterest expense to average assets | 2.4954% | 4,776 |
| Loan and lease loss provision to assets | 0.0651% | 3,824 |
| Net operating income to assets | 1.3267% | 1,187 |
| Return on assets (ROA) | 1.4092% | 1,047 |
| Pretax return on assets | 1.4222% | 1,709 |
| Return on Equity (ROE) | 11.5450% | 1,578 |
| Retained earnings to average equity (ytd only) | 4.8229% | 2,715 |
| Net charge-offs to loans | 0.0171% | 5,107 |
| Credit loss provision to net charge-offs | 625.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 134.7500% | 345 |
| Efficiency ratio | 63.9947% | 4,898 |
| Assets per employee ($millions) | 3.2495% | 5,392 |
| Cash dividends to net income (ytd only)* | 58.2255% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 6,293 |
| Loan loss allowance to noncurrent loans | 173.3945% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 5,420 |
| Noncurrent loans to loans | 0.4269% | 4,927 |
| Net loans and leases to total assets | 64.9997% | 2,868 |
| Net loans and leases to deposits | 87.0787% | 1,565 |
| Net loans and leases to core deposits | 94.3739% | 1,575 |
| Total domestic deposits to total assets | 74.6448% | 6,236 |
| Equity capital to assets | 11.7018% | 2,031 |
| Core capital (leverage) ratio | 11.9042% | 1,673 |
| Tier 1 risk-based capital ratio | 12.0783% | 5,575 |
| Total risk-based capital ratio | 12.5581% | 5,954 |
| Memoranda: | ||
| Average total assets | $38,390,600 | 6,333 |
| Average earning assets | $36,532,000 | 6,269 |
| Average equity | $4,686,000 | 6,143 |
| Average total loans | $23,379,800 | 6,063 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,576 |
| Cost of funding earning assets | 0.5579% | 3,181 |
| Net interest margin | 3.5896% | 3,491 |
| Noninterest income to average assets | 0.4603% | 4,079 |
| Noninterest expense to average assets | 2.4546% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3988% | 1,103 |
| Return on assets (ROA) | 1.4644% | 1,010 |
| Pretax return on assets | 1.4819% | 1,661 |
| Return on Equity (ROE) | 11.8724% | 1,511 |
| Retained earnings to average equity (ytd only) | 2.9681% | 4,552 |
| Net charge-offs to loans | 0.0233% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 101.5610% | 494 |
| Efficiency ratio | 63.4234% | 4,899 |
| Assets per employee ($millions) | 3.2381% | 5,409 |
| Cash dividends to net income (ytd only)* | 74.9996% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 6,472 |
| Loan loss allowance to noncurrent loans | 117.1429% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 5,330 |
| Noncurrent loans to loans | 0.5733% | 4,769 |
| Net loans and leases to total assets | 62.4186% | 3,281 |
| Net loans and leases to deposits | 84.4734% | 1,822 |
| Net loans and leases to core deposits | 88.3184% | 2,154 |
| Total domestic deposits to total assets | 73.8914% | 6,380 |
| Equity capital to assets | 11.7250% | 2,111 |
| Core capital (leverage) ratio | 11.9376% | 1,710 |
| Tier 1 risk-based capital ratio | 11.8570% | 5,872 |
| Total risk-based capital ratio | 12.2763% | 6,232 |
| Memoranda: | ||
| Average total assets | $38,239,750 | 6,408 |
| Average earning assets | $36,326,250 | 6,346 |
| Average equity | $4,716,750 | 6,221 |
| Average total loans | $22,841,000 | 6,148 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,908 |
| Cost of funding earning assets | 0.5816% | 3,109 |
| Net interest margin | 3.4729% | 3,909 |
| Noninterest income to average assets | 0.4733% | 4,007 |
| Noninterest expense to average assets | 2.4347% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3114% | 1,298 |
| Return on assets (ROA) | 1.4093% | 1,145 |
| Pretax return on assets | 1.4356% | 1,824 |
| Return on Equity (ROE) | 11.2361% | 1,738 |
| Retained earnings to average equity (ytd only) | 1.1739% | 5,431 |
| Net charge-offs to loans | 0.0090% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 205 |
| Efficiency ratio | 64.5746% | 4,779 |
| Assets per employee ($millions) | 3.1257% | 5,629 |
| Cash dividends to net income (ytd only)* | 89.5522% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 6,448 |
| Loan loss allowance to noncurrent loans | 112.0000% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 5,278 |
| Noncurrent loans to loans | 0.6600% | 4,619 |
| Net loans and leases to total assets | 60.1445% | 3,630 |
| Net loans and leases to deposits | 78.4852% | 2,514 |
| Net loans and leases to core deposits | 82.0536% | 2,795 |
| Total domestic deposits to total assets | 76.6317% | 6,179 |
| Equity capital to assets | 11.8588% | 1,999 |
| Core capital (leverage) ratio | 11.5750% | 1,874 |
| Tier 1 risk-based capital ratio | 12.0665% | 5,756 |
| Total risk-based capital ratio | 12.5109% | 6,185 |
| Memoranda: | ||
| Average total assets | $38,034,000 | 6,454 |
| Average earning assets | $36,107,670 | 6,396 |
| Average equity | $4,770,330 | 6,251 |
| Average total loans | $22,315,330 | 6,202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 4,140 |
| Cost of funding earning assets | 0.5832% | 3,267 |
| Net interest margin | 3.4112% | 4,079 |
| Noninterest income to average assets | 0.4700% | 3,994 |
| Noninterest expense to average assets | 2.2978% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3638% | 1,117 |
| Return on assets (ROA) | 1.5563% | 833 |
| Pretax return on assets | 1.6085% | 1,289 |
| Return on Equity (ROE) | 12.0856% | 1,396 |
| Retained earnings to average equity (ytd only) | 4.7856% | 3,367 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9718% | 5,304 |
| Assets per employee ($millions) | 3.3013% | 5,428 |
| Cash dividends to net income (ytd only)* | 60.4027% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 6,466 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 5,881 |
| Noncurrent loans to loans | 0.4265% | 5,353 |
| Net loans and leases to total assets | 53.4318% | 4,495 |
| Net loans and leases to deposits | 69.6810% | 3,543 |
| Net loans and leases to core deposits | 72.6714% | 3,742 |
| Total domestic deposits to total assets | 76.6806% | 6,281 |
| Equity capital to assets | 12.4246% | 1,757 |
| Core capital (leverage) ratio | 11.7167% | 1,734 |
| Tier 1 risk-based capital ratio | 11.6359% | 6,112 |
| Total risk-based capital ratio | 12.0642% | 6,452 |
| Memoranda: | ||
| Average total assets | $38,297,000 | 6,507 |
| Average earning assets | $36,350,500 | 6,455 |
| Average equity | $4,931,500 | 6,269 |
| Average total loans | $22,109,500 | 6,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 3,790 |
| Cost of funding earning assets | 0.7076% | 3,439 |
| Net interest margin | 3.6975% | 3,658 |
| Noninterest income to average assets | 0.4501% | 4,240 |
| Noninterest expense to average assets | 2.6194% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3251% | 1,244 |
| Return on assets (ROA) | 1.3251% | 1,373 |
| Pretax return on assets | 1.3363% | 2,269 |
| Return on Equity (ROE) | 9.8072% | 2,254 |
| Retained earnings to average equity (ytd only) | 3.0415% | 4,095 |
| Net charge-offs to loans | 0.0045% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 83 |
| Efficiency ratio | 66.2191% | 4,460 |
| Assets per employee ($millions) | 3.0816% | 5,876 |
| Cash dividends to net income (ytd only)* | 68.9873% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 6,592 |
| Loan loss allowance to noncurrent loans | 166.3366% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 5,873 |
| Noncurrent loans to loans | 0.4414% | 5,397 |
| Net loans and leases to total assets | 61.4268% | 3,350 |
| Net loans and leases to deposits | 81.9474% | 2,005 |
| Net loans and leases to core deposits | 81.9474% | 2,779 |
| Total domestic deposits to total assets | 74.9588% | 6,447 |
| Equity capital to assets | 13.3616% | 1,282 |
| Core capital (leverage) ratio | 12.1378% | 1,486 |
| Tier 1 risk-based capital ratio | 12.3350% | 5,578 |
| Total risk-based capital ratio | 12.7949% | 6,034 |
| Memoranda: | ||
| Average total assets | $35,771,000 | 6,611 |
| Average earning assets | $33,915,200 | 6,556 |
| Average equity | $4,833,200 | 6,340 |
| Average total loans | $22,083,600 | 6,337 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 3,848 |
| Cost of funding earning assets | 0.7284% | 3,532 |
| Net interest margin | 3.7172% | 3,720 |
| Noninterest income to average assets | 0.4548% | 4,249 |
| Noninterest expense to average assets | 2.4735% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4961% | 1,023 |
| Return on assets (ROA) | 1.4961% | 1,141 |
| Pretax return on assets | 1.5111% | 1,842 |
| Return on Equity (ROE) | 11.0408% | 1,941 |
| Retained earnings to average equity (ytd only) | 1.9695% | 5,337 |
| Net charge-offs to loans | 0.0061% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 116 |
| Efficiency ratio | 62.0755% | 5,138 |
| Assets per employee ($millions) | 2.9169% | 6,189 |
| Cash dividends to net income (ytd only)* | 82.1615% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 6,659 |
| Loan loss allowance to noncurrent loans | 118.3099% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,678 |
| Noncurrent loans to loans | 0.6497% | 5,148 |
| Net loans and leases to total assets | 61.9604% | 3,385 |
| Net loans and leases to deposits | 84.1174% | 1,858 |
| Net loans and leases to core deposits | 84.1174% | 2,677 |
| Total domestic deposits to total assets | 73.6594% | 6,625 |
| Equity capital to assets | 14.0045% | 1,154 |
| Core capital (leverage) ratio | 12.3278% | 1,484 |
| Tier 1 risk-based capital ratio | 12.8311% | 5,386 |
| Total risk-based capital ratio | 13.3176% | 5,884 |
| Memoranda: | ||
| Average total assets | $35,469,000 | 6,705 |
| Average earning assets | $33,680,500 | 6,651 |
| Average equity | $4,806,250 | 6,424 |
| Average total loans | $21,883,750 | 6,428 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 3,819 |
| Cost of funding earning assets | 0.7450% | 3,643 |
| Net interest margin | 3.7425% | 3,626 |
| Noninterest income to average assets | 0.4491% | 4,297 |
| Noninterest expense to average assets | 2.4815% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4990% | 991 |
| Return on assets (ROA) | 1.4990% | 1,111 |
| Pretax return on assets | 1.5214% | 1,799 |
| Return on Equity (ROE) | 11.1848% | 1,926 |
| Retained earnings to average equity (ytd only) | 0.6284% | 5,811 |
| Net charge-offs to loans | 0.0091% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 159 |
| Efficiency ratio | 61.9916% | 5,248 |
| Assets per employee ($millions) | 2.9403% | 6,168 |
| Cash dividends to net income (ytd only)* | 94.3820% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 6,695 |
| Loan loss allowance to noncurrent loans | 243.4783% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 6,294 |
| Noncurrent loans to loans | 0.3240% | 5,907 |
| Net loans and leases to total assets | 59.8855% | 3,843 |
| Net loans and leases to deposits | 80.7814% | 2,266 |
| Net loans and leases to core deposits | 80.7814% | 3,118 |
| Total domestic deposits to total assets | 74.1328% | 6,670 |
| Equity capital to assets | 13.6181% | 1,255 |
| Core capital (leverage) ratio | 11.9749% | 1,613 |
| Tier 1 risk-based capital ratio | 12.5535% | 5,532 |
| Total risk-based capital ratio | 13.0355% | 6,047 |
| Memoranda: | ||
| Average total assets | $35,624,330 | 6,750 |
| Average earning assets | $33,827,330 | 6,692 |
| Average equity | $4,774,330 | 6,459 |
| Average total loans | $21,893,000 | 6,473 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 3,592 |
| Cost of funding earning assets | 0.7655% | 3,743 |
| Net interest margin | 3.8156% | 3,314 |
| Noninterest income to average assets | 0.4693% | 4,145 |
| Noninterest expense to average assets | 2.2126% | 6,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8327% | 563 |
| Return on assets (ROA) | 1.8327% | 636 |
| Pretax return on assets | 1.8774% | 922 |
| Return on Equity (ROE) | 13.7844% | 1,229 |
| Retained earnings to average equity (ytd only) | 5.2112% | 3,427 |
| Net charge-offs to loans | -0.0180% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0984% | 6,340 |
| Assets per employee ($millions) | 3.0306% | 6,099 |
| Cash dividends to net income (ytd only)* | 62.1951% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 6,703 |
| Loan loss allowance to noncurrent loans | 204.8193% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 6,310 |
| Noncurrent loans to loans | 0.4004% | 5,872 |
| Net loans and leases to total assets | 56.5293% | 4,285 |
| Net loans and leases to deposits | 75.4505% | 2,896 |
| Net loans and leases to core deposits | 75.4505% | 3,694 |
| Total domestic deposits to total assets | 74.9223% | 6,654 |
| Equity capital to assets | 13.1905% | 1,363 |
| Core capital (leverage) ratio | 12.1087% | 1,526 |
| Tier 1 risk-based capital ratio | 12.2880% | 5,768 |
| Total risk-based capital ratio | 12.7576% | 6,257 |
| Memoranda: | ||
| Average total assets | $35,794,500 | 6,801 |
| Average earning assets | $33,966,000 | 6,739 |
| Average equity | $4,759,000 | 6,495 |
| Average total loans | $22,190,500 | 6,499 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 3,953 |
| Cost of funding earning assets | 0.8763% | 4,280 |
| Net interest margin | 3.8911% | 3,374 |
| Noninterest income to average assets | 0.4822% | 3,981 |
| Noninterest expense to average assets | 2.7654% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3885% | 1,044 |
| Return on assets (ROA) | 1.3885% | 1,135 |
| Pretax return on assets | 1.4060% | 1,769 |
| Return on Equity (ROE) | 10.7156% | 1,796 |
| Retained earnings to average equity (ytd only) | 1.7934% | 4,933 |
| Net charge-offs to loans | -0.0045% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2953% | 4,710 |
| Assets per employee ($millions) | 2.9352% | 6,217 |
| Cash dividends to net income (ytd only)* | 83.2636% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 6,888 |
| Loan loss allowance to noncurrent loans | 107.6433% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 5,848 |
| Noncurrent loans to loans | 0.6638% | 5,375 |
| Net loans and leases to total assets | 66.6742% | 2,648 |
| Net loans and leases to deposits | 93.0981% | 876 |
| Net loans and leases to core deposits | 93.0981% | 1,788 |
| Total domestic deposits to total assets | 71.6172% | 6,895 |
| Equity capital to assets | 13.4036% | 1,318 |
| Core capital (leverage) ratio | 12.2981% | 1,442 |
| Tier 1 risk-based capital ratio | 12.5078% | 5,442 |
| Total risk-based capital ratio | 12.9898% | 5,987 |
| Memoranda: | ||
| Average total assets | $34,424,800 | 6,846 |
| Average earning assets | $32,638,200 | 6,788 |
| Average equity | $4,460,800 | 6,609 |
| Average total loans | $22,179,200 | 6,548 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 4,239 |
| Cost of funding earning assets | 0.8986% | 4,411 |
| Net interest margin | 3.8488% | 3,621 |
| Noninterest income to average assets | 0.4947% | 3,911 |
| Noninterest expense to average assets | 2.6062% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5193% | 895 |
| Return on assets (ROA) | 1.5193% | 974 |
| Pretax return on assets | 1.5427% | 1,541 |
| Return on Equity (ROE) | 11.8294% | 1,588 |
| Retained earnings to average equity (ytd only) | -0.2427% | 6,016 |
| Net charge-offs to loans | -0.0061% | 6,732 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8169% | 5,275 |
| Assets per employee ($millions) | 2.8871% | 6,337 |
| Cash dividends to net income (ytd only)* | 102.0500% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 6,870 |
| Loan loss allowance to noncurrent loans | 109.7403% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 5,981 |
| Noncurrent loans to loans | 0.6982% | 5,487 |
| Net loans and leases to total assets | 63.1808% | 3,480 |
| Net loans and leases to deposits | 84.5429% | 1,911 |
| Net loans and leases to core deposits | 84.5429% | 2,977 |
| Total domestic deposits to total assets | 74.7323% | 6,674 |
| Equity capital to assets | 13.3526% | 1,440 |
| Core capital (leverage) ratio | 12.2151% | 1,584 |
| Tier 1 risk-based capital ratio | 12.4594% | 5,525 |
| Total risk-based capital ratio | 12.9493% | 6,101 |
| Memoranda: | ||
| Average total assets | $34,225,500 | 6,916 |
| Average earning assets | $32,494,250 | 6,853 |
| Average equity | $4,395,750 | 6,678 |
| Average total loans | $21,810,750 | 6,628 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 4,409 |
| Cost of funding earning assets | 0.9159% | 4,542 |
| Net interest margin | 3.8122% | 3,720 |
| Noninterest income to average assets | 0.4811% | 4,014 |
| Noninterest expense to average assets | 2.6873% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3730% | 1,138 |
| Return on assets (ROA) | 1.3730% | 1,210 |
| Pretax return on assets | 1.4082% | 1,776 |
| Return on Equity (ROE) | 10.8358% | 1,852 |
| Retained earnings to average equity (ytd only) | -4.1213% | 6,482 |
| Net charge-offs to loans | -0.0092% | 6,671 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6160% | 4,949 |
| Assets per employee ($millions) | 2.6554% | 6,707 |
| Cash dividends to net income (ytd only)* | 138.0342% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 6,865 |
| Loan loss allowance to noncurrent loans | 83.2512% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 5,743 |
| Noncurrent loans to loans | 0.9604% | 5,071 |
| Net loans and leases to total assets | 60.7445% | 4,137 |
| Net loans and leases to deposits | 80.6221% | 2,683 |
| Net loans and leases to core deposits | 80.6221% | 3,704 |
| Total domestic deposits to total assets | 75.3447% | 6,689 |
| Equity capital to assets | 12.6912% | 1,684 |
| Core capital (leverage) ratio | 11.9037% | 1,667 |
| Tier 1 risk-based capital ratio | 12.2108% | 5,607 |
| Total risk-based capital ratio | 12.7002% | 6,195 |
| Memoranda: | ||
| Average total assets | $34,085,670 | 6,986 |
| Average earning assets | $32,317,330 | 6,924 |
| Average equity | $4,319,000 | 6,740 |
| Average total loans | $21,728,330 | 6,703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 4,358 |
| Cost of funding earning assets | 0.9242% | 4,749 |
| Net interest margin | 3.8091% | 3,573 |
| Noninterest income to average assets | 0.4842% | 4,012 |
| Noninterest expense to average assets | 2.5156% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4999% | 876 |
| Return on assets (ROA) | 1.4999% | 921 |
| Pretax return on assets | 1.5708% | 1,251 |
| Return on Equity (ROE) | 11.8470% | 1,503 |
| Retained earnings to average equity (ytd only) | -4.2910% | 6,454 |
| Net charge-offs to loans | -0.0545% | 6,910 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5607% | 5,749 |
| Assets per employee ($millions) | 2.6908% | 6,704 |
| Cash dividends to net income (ytd only)* | 136.2205% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 6,874 |
| Loan loss allowance to noncurrent loans | 159.8131% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 6,434 |
| Noncurrent loans to loans | 0.5139% | 5,995 |
| Net loans and leases to total assets | 59.0320% | 4,455 |
| Net loans and leases to deposits | 77.6695% | 3,117 |
| Net loans and leases to core deposits | 77.6695% | 4,066 |
| Total domestic deposits to total assets | 76.0041% | 6,670 |
| Equity capital to assets | 12.1923% | 1,799 |
| Core capital (leverage) ratio | 12.0995% | 1,509 |
| Tier 1 risk-based capital ratio | 12.1171% | 5,584 |
| Total risk-based capital ratio | 12.6035% | 6,195 |
| Memoranda: | ||
| Average total assets | $33,868,500 | 7,040 |
| Average earning assets | $32,028,500 | 6,988 |
| Average equity | $4,288,000 | 6,781 |
| Average total loans | $22,023,500 | 6,740 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 4,052 |
| Cost of funding earning assets | 1.0526% | 5,417 |
| Net interest margin | 4.0596% | 2,754 |
| Noninterest income to average assets | 0.4844% | 4,292 |
| Noninterest expense to average assets | 2.8056% | 4,585 |
| Loan and lease loss provision to assets | 0.0396% | 6,761 |
| Net operating income to assets | 1.4787% | 804 |
| Return on assets (ROA) | 1.5993% | 671 |
| Pretax return on assets | 1.6145% | 1,097 |
| Return on Equity (ROE) | 12.1152% | 1,297 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,054 |
| Net charge-offs to loans | 0.0549% | 6,241 |
| Credit loss provision to net charge-offs | 108.3333% | 4,082 |
| Earnings coverage of net charge-offs (x) | 41.9167% | 554 |
| Efficiency ratio | 64.6770% | 5,229 |
| Assets per employee ($millions) | 2.5197% | 6,981 |
| Cash dividends to net income (ytd only)* | 66.8571% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 7,111 |
| Loan loss allowance to noncurrent loans | 114.3836% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 6,166 |
| Noncurrent loans to loans | 0.6286% | 5,791 |
| Net loans and leases to total assets | 70.3963% | 2,437 |
| Net loans and leases to deposits | 97.8486% | 730 |
| Net loans and leases to core deposits | 97.8486% | 1,809 |
| Total domestic deposits to total assets | 71.9441% | 7,086 |
| Equity capital to assets | 13.1609% | 1,316 |
| Core capital (leverage) ratio | 12.7684% | 1,215 |
| Tier 1 risk-based capital ratio | 13.0770% | 4,541 |
| Total risk-based capital ratio | 13.5842% | 5,148 |
| Memoranda: | ||
| Average total assets | $32,827,000 | 7,120 |
| Average earning assets | $31,161,000 | 7,046 |
| Average equity | $4,333,400 | 6,878 |
| Average total loans | $21,872,400 | 6,831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1379% | 4,132 |
| Cost of funding earning assets | 1.0814% | 5,543 |
| Net interest margin | 4.0564% | 2,827 |
| Noninterest income to average assets | 0.4871% | 4,287 |
| Noninterest expense to average assets | 2.6305% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6903% | 633 |
| Return on assets (ROA) | 1.8470% | 502 |
| Pretax return on assets | 1.8673% | 815 |
| Return on Equity (ROE) | 13.9813% | 1,042 |
| Retained earnings to average equity (ytd only) | 3.1957% | 4,185 |
| Net charge-offs to loans | -0.0681% | 7,505 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6174% | 5,852 |
| Assets per employee ($millions) | 2.3086% | 7,300 |
| Cash dividends to net income (ytd only)* | 77.1433% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 6,973 |
| Loan loss allowance to noncurrent loans | 340.3846% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 6,950 |
| Noncurrent loans to loans | 0.2393% | 6,696 |
| Net loans and leases to total assets | 66.6780% | 3,532 |
| Net loans and leases to deposits | 92.8042% | 1,354 |
| Net loans and leases to core deposits | 92.8042% | 2,687 |
| Total domestic deposits to total assets | 71.8480% | 7,146 |
| Equity capital to assets | 13.8115% | 1,239 |
| Core capital (leverage) ratio | 12.7906% | 1,304 |
| Tier 1 risk-based capital ratio | 13.1254% | 4,479 |
| Total risk-based capital ratio | 13.6737% | 5,022 |
| Memoranda: | ||
| Average total assets | $32,844,750 | 7,209 |
| Average earning assets | $31,192,500 | 7,130 |
| Average equity | $4,339,000 | 6,964 |
| Average total loans | $21,534,000 | 6,938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 4,536 |
| Cost of funding earning assets | 1.0895% | 5,736 |
| Net interest margin | 3.9949% | 3,043 |
| Noninterest income to average assets | 0.4967% | 4,143 |
| Noninterest expense to average assets | 2.6409% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6233% | 689 |
| Return on assets (ROA) | 1.6233% | 743 |
| Pretax return on assets | 1.6536% | 1,160 |
| Return on Equity (ROE) | 12.4729% | 1,356 |
| Retained earnings to average equity (ytd only) | 0.3258% | 5,629 |
| Net charge-offs to loans | -0.0932% | 7,542 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4951% | 5,768 |
| Assets per employee ($millions) | 2.3762% | 7,259 |
| Cash dividends to net income (ytd only)* | 97.3881% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 6,950 |
| Loan loss allowance to noncurrent loans | 295.0000% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 6,937 |
| Noncurrent loans to loans | 0.2833% | 6,667 |
| Net loans and leases to total assets | 63.1376% | 4,436 |
| Net loans and leases to deposits | 85.4898% | 2,606 |
| Net loans and leases to core deposits | 85.4898% | 3,910 |
| Total domestic deposits to total assets | 73.8540% | 6,991 |
| Equity capital to assets | 12.9588% | 1,591 |
| Core capital (leverage) ratio | 12.1349% | 1,573 |
| Tier 1 risk-based capital ratio | 12.4211% | 4,928 |
| Total risk-based capital ratio | 12.9529% | 5,543 |
| Memoranda: | ||
| Average total assets | $33,019,330 | 7,257 |
| Average earning assets | $31,389,670 | 7,178 |
| Average equity | $4,297,330 | 7,014 |
| Average total loans | $21,469,330 | 6,994 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 4,626 |
| Cost of funding earning assets | 1.0751% | 6,020 |
| Net interest margin | 4.0060% | 2,851 |
| Noninterest income to average assets | 0.4985% | 4,055 |
| Noninterest expense to average assets | 2.4076% | 6,054 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8361% | 459 |
| Return on assets (ROA) | 1.8361% | 504 |
| Pretax return on assets | 1.8969% | 733 |
| Return on Equity (ROE) | 14.0776% | 1,041 |
| Retained earnings to average equity (ytd only) | 3.7292% | 3,919 |
| Net charge-offs to loans | -0.1295% | 7,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9322% | 6,774 |
| Assets per employee ($millions) | 2.4939% | 7,207 |
| Cash dividends to net income (ytd only)* | 73.5099% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 7,048 |
| Loan loss allowance to noncurrent loans | 143.8017% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 6,544 |
| Noncurrent loans to loans | 0.5789% | 6,146 |
| Net loans and leases to total assets | 63.9370% | 4,344 |
| Net loans and leases to deposits | 84.5081% | 2,852 |
| Net loans and leases to core deposits | 88.5136% | 3,567 |
| Total domestic deposits to total assets | 75.6578% | 6,811 |
| Equity capital to assets | 13.2753% | 1,407 |
| Core capital (leverage) ratio | 12.2519% | 1,519 |
| Tier 1 risk-based capital ratio | 12.8476% | 4,438 |
| Total risk-based capital ratio | 13.3834% | 5,021 |
| Memoranda: | ||
| Average total assets | $32,895,500 | 7,350 |
| Average earning assets | $31,253,000 | 7,273 |
| Average equity | $4,290,500 | 7,077 |
| Average total loans | $21,613,500 | 7,069 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 5,334 |
| Cost of funding earning assets | 1.2485% | 6,478 |
| Net interest margin | 4.0190% | 2,789 |
| Noninterest income to average assets | 0.4339% | 4,918 |
| Noninterest expense to average assets | 2.6964% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5531% | 609 |
| Return on assets (ROA) | 1.5382% | 662 |
| Pretax return on assets | 1.5472% | 1,079 |
| Return on Equity (ROE) | 12.3963% | 1,073 |
| Retained earnings to average equity (ytd only) | 4.3411% | 2,199 |
| Net charge-offs to loans | -0.0141% | 7,770 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3169% | 5,907 |
| Assets per employee ($millions) | 2.5669% | 7,095 |
| Cash dividends to net income (ytd only)* | 64.9805% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 7,272 |
| Loan loss allowance to noncurrent loans | 147.7876% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 6,598 |
| Noncurrent loans to loans | 0.5062% | 6,239 |
| Net loans and leases to total assets | 66.3980% | 4,057 |
| Net loans and leases to deposits | 87.3940% | 2,663 |
| Net loans and leases to core deposits | 97.8709% | 4,232 |
| Total domestic deposits to total assets | 75.9754% | 6,686 |
| Equity capital to assets | 12.8169% | 1,588 |
| Core capital (leverage) ratio | 12.0699% | 1,632 |
| Tier 1 risk-based capital ratio | 12.3705% | 4,623 |
| Total risk-based capital ratio | 12.8705% | 5,234 |
| Memoranda: | ||
| Average total assets | $33,414,800 | 7,353 |
| Average earning assets | $31,798,600 | 7,274 |
| Average equity | $4,146,400 | 7,233 |
| Average total loans | $21,280,600 | 7,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3730% | 5,076 |
| Cost of funding earning assets | 1.3076% | 6,534 |
| Net interest margin | 4.0654% | 2,527 |
| Noninterest income to average assets | 0.4228% | 5,111 |
| Noninterest expense to average assets | 2.5768% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7030% | 559 |
| Return on assets (ROA) | 1.6833% | 613 |
| Pretax return on assets | 1.6952% | 982 |
| Return on Equity (ROE) | 13.6773% | 983 |
| Retained earnings to average equity (ytd only) | 2.8521% | 3,736 |
| Net charge-offs to loans | -0.0190% | 7,760 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0372% | 6,407 |
| Assets per employee ($millions) | 2.5744% | 7,099 |
| Cash dividends to net income (ytd only)* | 79.1469% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 7,146 |
| Loan loss allowance to noncurrent loans | 8,350.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,590 |
| Noncurrent loans to loans | 0.0095% | 7,507 |
| Net loans and leases to total assets | 62.4346% | 5,170 |
| Net loans and leases to deposits | 81.7105% | 4,081 |
| Net loans and leases to core deposits | 89.4095% | 5,492 |
| Total domestic deposits to total assets | 76.4096% | 6,493 |
| Equity capital to assets | 12.7827% | 1,797 |
| Core capital (leverage) ratio | 10.4032% | 2,881 |
| Tier 1 risk-based capital ratio | 12.0963% | 4,880 |
| Total risk-based capital ratio | 12.5962% | 5,531 |
| Memoranda: | ||
| Average total assets | $33,426,000 | 7,407 |
| Average earning assets | $31,812,750 | 7,337 |
| Average equity | $4,113,750 | 7,318 |
| Average total loans | $21,019,750 | 7,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 4,936 |
| Cost of funding earning assets | 1.3412% | 6,674 |
| Net interest margin | 4.0993% | 2,325 |
| Noninterest income to average assets | 0.4370% | 4,966 |
| Noninterest expense to average assets | 2.6457% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6697% | 595 |
| Return on assets (ROA) | 1.6401% | 694 |
| Pretax return on assets | 1.6581% | 1,095 |
| Return on Equity (ROE) | 13.5009% | 1,072 |
| Retained earnings to average equity (ytd only) | 1.4782% | 4,503 |
| Net charge-offs to loans | -0.0190% | 7,687 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0497% | 6,391 |
| Assets per employee ($millions) | 2.6328% | 6,993 |
| Cash dividends to net income (ytd only)* | 89.0511% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 7,155 |
| Loan loss allowance to noncurrent loans | 363.0435% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 7,222 |
| Noncurrent loans to loans | 0.2201% | 6,962 |
| Net loans and leases to total assets | 60.5633% | 5,596 |
| Net loans and leases to deposits | 77.3210% | 4,968 |
| Net loans and leases to core deposits | 85.0979% | 6,002 |
| Total domestic deposits to total assets | 78.3271% | 5,989 |
| Equity capital to assets | 11.8532% | 2,292 |
| Core capital (leverage) ratio | 11.3680% | 2,156 |
| Tier 1 risk-based capital ratio | 11.5995% | 5,289 |
| Total risk-based capital ratio | 12.0860% | 5,978 |
| Memoranda: | ||
| Average total assets | $33,412,330 | 7,473 |
| Average earning assets | $31,761,670 | 7,412 |
| Average equity | $4,059,000 | 7,387 |
| Average total loans | $21,005,670 | 7,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 4,460 |
| Cost of funding earning assets | 1.4211% | 6,660 |
| Net interest margin | 4.1607% | 2,047 |
| Noninterest income to average assets | 0.4363% | 4,900 |
| Noninterest expense to average assets | 2.4724% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8664% | 463 |
| Return on assets (ROA) | 1.8664% | 516 |
| Pretax return on assets | 1.9027% | 794 |
| Return on Equity (ROE) | 15.1724% | 948 |
| Retained earnings to average equity (ytd only) | 5.9113% | 2,671 |
| Net charge-offs to loans | -0.0380% | 7,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5097% | 6,898 |
| Assets per employee ($millions) | 2.5731% | 7,144 |
| Cash dividends to net income (ytd only)* | 61.0390% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 7,200 |
| Loan loss allowance to noncurrent loans | 360.8696% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 7,168 |
| Noncurrent loans to loans | 0.2184% | 6,906 |
| Net loans and leases to total assets | 62.4783% | 5,240 |
| Net loans and leases to deposits | 80.4117% | 4,546 |
| Net loans and leases to core deposits | 92.0823% | 5,339 |
| Total domestic deposits to total assets | 77.6981% | 6,107 |
| Equity capital to assets | 12.2840% | 2,085 |
| Core capital (leverage) ratio | 11.9065% | 1,937 |
| Tier 1 risk-based capital ratio | 11.9658% | 4,987 |
| Total risk-based capital ratio | 12.4609% | 5,603 |
| Memoranda: | ||
| Average total assets | $33,005,000 | 7,529 |
| Average earning assets | $31,244,500 | 7,464 |
| Average equity | $4,060,000 | 7,433 |
| Average total loans | $21,060,500 | 7,305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5476% | 2,731 |
| Cost of funding earning assets | 2.1076% | 6,018 |
| Net interest margin | 4.4400% | 1,558 |
| Noninterest income to average assets | 0.3671% | 5,769 |
| Noninterest expense to average assets | 2.7364% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8172% | 538 |
| Return on assets (ROA) | 1.4714% | 1,034 |
| Pretax return on assets | 1.4774% | 1,744 |
| Return on Equity (ROE) | 12.3385% | 1,501 |
| Retained earnings to average equity (ytd only) | 0.8904% | 4,698 |
| Net charge-offs to loans | -0.0147% | 7,893 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0133% | 6,335 |
| Assets per employee ($millions) | 2.5046% | 7,198 |
| Cash dividends to net income (ytd only)* | 92.7835% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 7,177 |
| Loan loss allowance to noncurrent loans | 252.3077% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 6,770 |
| Noncurrent loans to loans | 0.3087% | 6,456 |
| Net loans and leases to total assets | 64.1646% | 5,239 |
| Net loans and leases to deposits | 84.2725% | 4,383 |
| Net loans and leases to core deposits | 97.1585% | 5,133 |
| Total domestic deposits to total assets | 76.1394% | 6,206 |
| Equity capital to assets | 12.3188% | 2,101 |
| Core capital (leverage) ratio | 11.9040% | 2,023 |
| Tier 1 risk-based capital ratio | 12.0949% | 4,742 |
| Total risk-based capital ratio | 12.5968% | 5,297 |
| Memoranda: | ||
| Average total assets | $32,962,800 | 7,510 |
| Average earning assets | $31,126,000 | 7,453 |
| Average equity | $3,930,800 | 7,539 |
| Average total loans | $20,399,200 | 7,307 |