Home > First State Bank in Temple > Performance and Condition Ratios
First State Bank in Temple, 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 | 4.5823% | 2,935 |
| Cost of funding earning assets | 1.0843% | 3,106 |
| Net interest margin | 3.4980% | 2,185 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.4732% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6568% | 3,299 |
| Return on assets (ROA) | 0.5390% | 3,581 |
| Pretax return on assets | 0.8295% | 3,139 |
| Return on Equity (ROE) | 3.7500% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.7536% | 3,041 |
| Net charge-offs to loans | 0.0114% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 486 |
| Efficiency ratio | 71.6501% | 1,693 |
| Assets per employee ($millions) | 3.2195% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.0900% | 3,933 |
| Net loans and leases to deposits | 53.7534% | 3,808 |
| Net loans and leases to core deposits | 59.4674% | 3,780 |
| Total domestic deposits to total assets | 80.1700% | 3,433 |
| Equity capital to assets | 15.1382% | 541 |
| Core capital (leverage) ratio | 20.6124% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $26,160,600 | 4,488 |
| Average earning assets | $24,900,200 | 4,448 |
| Average equity | $3,756,400 | 4,371 |
| Average total loans | $8,803,800 | 4,423 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 3,018 |
| Cost of funding earning assets | 0.9867% | 3,074 |
| Net interest margin | 3.4562% | 2,321 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.2034% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9291% | 2,584 |
| Return on assets (ROA) | 0.9291% | 2,569 |
| Pretax return on assets | 1.2235% | 2,239 |
| Return on Equity (ROE) | 6.5600% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.5577% | 2,443 |
| Net charge-offs to loans | 0.0163% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 527 |
| Efficiency ratio | 64.2963% | 2,460 |
| Assets per employee ($millions) | 3.2165% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6197% | 71 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 26.9000% | 4,364 |
| Net loans and leases to deposits | 31.4339% | 4,363 |
| Net loans and leases to core deposits | 34.5459% | 4,345 |
| Total domestic deposits to total assets | 85.5900% | 2,320 |
| Equity capital to assets | 14.2002% | 619 |
| Core capital (leverage) ratio | 20.2111% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $26,261,750 | 4,514 |
| Average earning assets | $24,998,250 | 4,475 |
| Average equity | $3,720,750 | 4,388 |
| Average total loans | $8,165,000 | 4,455 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 3,021 |
| Cost of funding earning assets | 0.8647% | 3,039 |
| Net interest margin | 3.4746% | 2,330 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.2694% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9002% | 2,752 |
| Return on assets (ROA) | 0.9002% | 2,740 |
| Pretax return on assets | 1.1877% | 2,393 |
| Return on Equity (ROE) | 6.3600% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.3585% | 2,490 |
| Net charge-offs to loans | -0.0236% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6455% | 2,294 |
| Assets per employee ($millions) | 3.3130% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9583% | 62 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 23.9900% | 4,421 |
| Net loans and leases to deposits | 28.0242% | 4,419 |
| Net loans and leases to core deposits | 30.7101% | 4,399 |
| Total domestic deposits to total assets | 85.5900% | 2,363 |
| Equity capital to assets | 14.2846% | 605 |
| Core capital (leverage) ratio | 20.0429% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $26,438,333 | 4,539 |
| Average earning assets | $25,211,667 | 4,501 |
| Average equity | $3,743,000 | 4,411 |
| Average total loans | $8,492,333 | 4,483 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,678 |
| Cost of funding earning assets | 0.7778% | 2,811 |
| Net interest margin | 3.5715% | 2,185 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.3026% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9543% | 2,676 |
| Return on assets (ROA) | 0.9543% | 2,640 |
| Pretax return on assets | 1.2725% | 2,250 |
| Return on Equity (ROE) | 6.7700% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.7715% | 2,561 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4068% | 2,401 |
| Assets per employee ($millions) | 3.3461% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7241% | 169 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.8200% | 4,230 |
| Net loans and leases to deposits | 40.7058% | 4,203 |
| Net loans and leases to core deposits | 44.5677% | 4,157 |
| Total domestic deposits to total assets | 85.5300% | 2,713 |
| Equity capital to assets | 14.3674% | 544 |
| Core capital (leverage) ratio | 19.6224% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $26,405,500 | 4,599 |
| Average earning assets | $25,199,500 | 4,564 |
| Average equity | $3,721,500 | 4,480 |
| Average total loans | $9,429,000 | 4,540 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 2,199 |
| Cost of funding earning assets | 0.3235% | 2,693 |
| Net interest margin | 3.5038% | 1,920 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4940% | 2,134 |
| Loan and lease loss provision to assets | -0.7100% | 4,702 |
| Net operating income to assets | 1.4108% | 1,106 |
| Return on assets (ROA) | 1.2864% | 1,437 |
| Pretax return on assets | 1.8039% | 728 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.4093% | 1,674 |
| Net charge-offs to loans | 0.0768% | 878 |
| Credit loss provision to net charge-offs | -2,375.0000% | 4,688 |
| Earnings coverage of net charge-offs (x) | 41.6250% | 1,479 |
| Efficiency ratio | 66.6333% | 2,126 |
| Assets per employee ($millions) | 3.2558% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8134% | 147 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 34.6200% | 4,264 |
| Net loans and leases to deposits | 42.1446% | 4,169 |
| Net loans and leases to core deposits | 46.4527% | 4,104 |
| Total domestic deposits to total assets | 82.1400% | 3,602 |
| Equity capital to assets | 13.7679% | 597 |
| Core capital (leverage) ratio | 19.6257% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,664,000 | 4,629 |
| Average earning assets | $25,657,800 | 4,593 |
| Average equity | $4,078,800 | 4,524 |
| Average total loans | $10,415,400 | 4,553 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 2,091 |
| Cost of funding earning assets | 0.2424% | 2,786 |
| Net interest margin | 3.4402% | 1,839 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.1229% | 3,152 |
| Loan and lease loss provision to assets | -0.9400% | 4,744 |
| Net operating income to assets | 1.9036% | 344 |
| Return on assets (ROA) | 1.8643% | 366 |
| Pretax return on assets | 2.5007% | 215 |
| Return on Equity (ROE) | 11.9000% | 2,069 |
| Retained earnings to average equity (ytd only) | 11.8988% | 820 |
| Net charge-offs to loans | 0.0125% | 1,652 |
| Credit loss provision to net charge-offs | -19,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 448 |
| Efficiency ratio | 56.9333% | 3,523 |
| Assets per employee ($millions) | 2.9091% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1272% | 119 |
| Loan loss allowance to noncurrent loans | 31.5294% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 3.2465% | 42 |
| Noncurrent loans to loans | 9.9183% | 13 |
| Net loans and leases to total assets | 31.7100% | 4,385 |
| Net loans and leases to deposits | 36.9060% | 4,341 |
| Net loans and leases to core deposits | 40.4758% | 4,266 |
| Total domestic deposits to total assets | 85.9200% | 3,085 |
| Equity capital to assets | 13.6964% | 593 |
| Core capital (leverage) ratio | 19.3372% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,818,500 | 4,664 |
| Average earning assets | $25,850,500 | 4,627 |
| Average equity | $4,202,000 | 4,563 |
| Average total loans | $10,700,000 | 4,583 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 1,743 |
| Cost of funding earning assets | 0.2213% | 2,633 |
| Net interest margin | 3.4118% | 1,564 |
| Noninterest income to average assets | 0.4957% | 2,227 |
| Noninterest expense to average assets | 2.2049% | 2,840 |
| Loan and lease loss provision to assets | -1.4058% | 4,768 |
| Net operating income to assets | 2.1636% | 171 |
| Return on assets (ROA) | 2.1753% | 167 |
| Pretax return on assets | 3.0188% | 95 |
| Return on Equity (ROE) | 13.3414% | 1,282 |
| Retained earnings to average equity (ytd only) | 13.3414% | 427 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9767% | 3,566 |
| Assets per employee ($millions) | 2.9818% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8909% | 158 |
| Loan loss allowance to noncurrent loans | 4,483.3333% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,782 |
| Noncurrent loans to loans | 0.0645% | 3,474 |
| Net loans and leases to total assets | 33.6712% | 4,347 |
| Net loans and leases to deposits | 39.0949% | 4,299 |
| Net loans and leases to core deposits | 42.7659% | 4,239 |
| Total domestic deposits to total assets | 86.1268% | 3,215 |
| Equity capital to assets | 13.7092% | 560 |
| Core capital (leverage) ratio | 20.2731% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,030,667 | 4,698 |
| Average earning assets | $26,203,000 | 4,669 |
| Average equity | $4,407,333 | 4,582 |
| Average total loans | $11,410,000 | 4,640 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 1,175 |
| Cost of funding earning assets | 0.2135% | 2,619 |
| Net interest margin | 3.5381% | 1,014 |
| Noninterest income to average assets | 0.2359% | 3,727 |
| Noninterest expense to average assets | 2.2707% | 2,610 |
| Loan and lease loss provision to assets | -2.8015% | 4,796 |
| Net operating income to assets | 2.8217% | 88 |
| Return on assets (ROA) | 2.7868% | 88 |
| Pretax return on assets | 4.1433% | 60 |
| Return on Equity (ROE) | 15.8441% | 548 |
| Retained earnings to average equity (ytd only) | 15.8441% | 242 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0968% | 3,248 |
| Assets per employee ($millions) | 2.9673% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2018% | 436 |
| Loan loss allowance to noncurrent loans | 4,483.3333% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,822 |
| Noncurrent loans to loans | 0.0491% | 3,625 |
| Net loans and leases to total assets | 44.7390% | 3,682 |
| Net loans and leases to deposits | 53.5881% | 3,450 |
| Net loans and leases to core deposits | 58.8224% | 3,251 |
| Total domestic deposits to total assets | 83.4869% | 3,865 |
| Equity capital to assets | 16.3746% | 293 |
| Core capital (leverage) ratio | 19.5904% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,128,000 | 4,722 |
| Average earning assets | $26,229,000 | 4,694 |
| Average equity | $4,771,500 | 4,582 |
| Average total loans | $12,462,500 | 4,640 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 2,892 |
| Cost of funding earning assets | 0.2940% | 2,456 |
| Net interest margin | 3.1231% | 2,831 |
| Noninterest income to average assets | 0.1966% | 4,181 |
| Noninterest expense to average assets | 2.7180% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3305% | 4,385 |
| Return on assets (ROA) | 0.3701% | 4,348 |
| Pretax return on assets | 0.5590% | 4,167 |
| Return on Equity (ROE) | 1.8227% | 4,519 |
| Retained earnings to average equity (ytd only) | 1.4429% | 4,137 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2294% | 561 |
| Assets per employee ($millions) | 3.0611% | 4,681 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6119% | 91 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,914 |
| Noncurrent loans to loans | 0.0472% | 3,746 |
| Net loans and leases to total assets | 44.4610% | 3,804 |
| Net loans and leases to deposits | 59.3373% | 3,138 |
| Net loans and leases to core deposits | 65.6466% | 2,851 |
| Total domestic deposits to total assets | 74.9292% | 4,555 |
| Equity capital to assets | 18.7659% | 223 |
| Core capital (leverage) ratio | 19.0520% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,938,200 | 4,771 |
| Average earning assets | $25,167,600 | 4,743 |
| Average equity | $5,267,000 | 4,605 |
| Average total loans | $11,923,400 | 4,698 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 3,004 |
| Cost of funding earning assets | 0.3068% | 2,532 |
| Net interest margin | 3.1270% | 2,977 |
| Noninterest income to average assets | 0.1984% | 4,208 |
| Noninterest expense to average assets | 2.3079% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7244% | 3,711 |
| Return on assets (ROA) | 0.7780% | 3,640 |
| Pretax return on assets | 0.9921% | 3,486 |
| Return on Equity (ROE) | 3.7545% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.7545% | 3,657 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4055% | 1,453 |
| Assets per employee ($millions) | 2.6759% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5191% | 51 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,039 |
| Noncurrent loans to loans | 0.0591% | 3,806 |
| Net loans and leases to total assets | 36.2420% | 4,377 |
| Net loans and leases to deposits | 45.2585% | 4,266 |
| Net loans and leases to core deposits | 49.8766% | 4,147 |
| Total domestic deposits to total assets | 80.0777% | 4,218 |
| Equity capital to assets | 19.8401% | 201 |
| Core capital (leverage) ratio | 19.0825% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,535,250 | 4,846 |
| Average earning assets | $24,772,500 | 4,820 |
| Average equity | $5,291,250 | 4,667 |
| Average total loans | $11,727,250 | 4,771 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 2,783 |
| Cost of funding earning assets | 0.3365% | 2,436 |
| Net interest margin | 3.2093% | 2,726 |
| Noninterest income to average assets | 0.2069% | 4,166 |
| Noninterest expense to average assets | 2.4038% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7025% | 3,758 |
| Return on assets (ROA) | 0.7402% | 3,725 |
| Pretax return on assets | 0.9631% | 3,517 |
| Return on Equity (ROE) | 3.5192% | 4,405 |
| Retained earnings to average equity (ytd only) | 3.5192% | 3,677 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4221% | 1,390 |
| Assets per employee ($millions) | 2.6599% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5351% | 46 |
| Loan loss allowance to noncurrent loans | 7,650.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,115 |
| Noncurrent loans to loans | 0.0593% | 3,885 |
| Net loans and leases to total assets | 36.3247% | 4,452 |
| Net loans and leases to deposits | 45.4298% | 4,332 |
| Net loans and leases to core deposits | 50.1037% | 4,230 |
| Total domestic deposits to total assets | 79.9579% | 4,241 |
| Equity capital to assets | 19.9105% | 197 |
| Core capital (leverage) ratio | 19.6279% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,127,333 | 4,884 |
| Average earning assets | $24,367,000 | 4,857 |
| Average equity | $5,285,333 | 4,695 |
| Average total loans | $12,250,667 | 4,801 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 2,132 |
| Cost of funding earning assets | 0.3721% | 2,336 |
| Net interest margin | 3.4169% | 2,068 |
| Noninterest income to average assets | 0.2296% | 4,005 |
| Noninterest expense to average assets | 2.5255% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0167% | 2,759 |
| Return on assets (ROA) | 1.0003% | 2,899 |
| Pretax return on assets | 1.0003% | 3,370 |
| Return on Equity (ROE) | 4.6212% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.6212% | 3,337 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2963% | 1,570 |
| Assets per employee ($millions) | 2.5267% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3952% | 108 |
| Loan loss allowance to noncurrent loans | 6,557.1429% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,166 |
| Noncurrent loans to loans | 0.0518% | 4,031 |
| Net loans and leases to total assets | 51.6880% | 3,474 |
| Net loans and leases to deposits | 65.4178% | 2,986 |
| Net loans and leases to core deposits | 72.6363% | 2,647 |
| Total domestic deposits to total assets | 79.0122% | 4,332 |
| Equity capital to assets | 20.8177% | 157 |
| Core capital (leverage) ratio | 21.2665% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,391,500 | 4,914 |
| Average earning assets | $23,647,000 | 4,886 |
| Average equity | $5,280,000 | 4,722 |
| Average total loans | $13,315,500 | 4,809 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,610 |
| Cost of funding earning assets | 0.5671% | 2,523 |
| Net interest margin | 3.8255% | 1,436 |
| Noninterest income to average assets | 0.1141% | 4,690 |
| Noninterest expense to average assets | 3.1707% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4814% | 4,069 |
| Return on assets (ROA) | 0.3912% | 4,349 |
| Pretax return on assets | 0.5135% | 4,249 |
| Return on Equity (ROE) | 1.8272% | 4,582 |
| Retained earnings to average equity (ytd only) | 1.4465% | 4,053 |
| Net charge-offs to loans | 0.0581% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,994 |
| Efficiency ratio | 83.4764% | 670 |
| Assets per employee ($millions) | 2.3516% | 4,898 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5006% | 89 |
| Loan loss allowance to noncurrent loans | 5,737.5000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,191 |
| Noncurrent loans to loans | 0.0610% | 4,048 |
| Net loans and leases to total assets | 53.8059% | 3,505 |
| Net loans and leases to deposits | 70.0183% | 2,876 |
| Net loans and leases to core deposits | 78.6536% | 2,492 |
| Total domestic deposits to total assets | 76.8456% | 4,429 |
| Equity capital to assets | 22.5378% | 124 |
| Core capital (leverage) ratio | 20.5296% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,537,200 | 4,919 |
| Average earning assets | $23,630,800 | 4,891 |
| Average equity | $5,254,000 | 4,723 |
| Average total loans | $13,759,800 | 4,831 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 1,477 |
| Cost of funding earning assets | 0.5922% | 2,665 |
| Net interest margin | 3.9498% | 1,236 |
| Noninterest income to average assets | 0.1129% | 4,713 |
| Noninterest expense to average assets | 2.7696% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0282% | 2,225 |
| Return on assets (ROA) | 0.8927% | 2,851 |
| Pretax return on assets | 0.9949% | 3,089 |
| Return on Equity (ROE) | 4.2218% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.2218% | 2,935 |
| Net charge-offs to loans | -0.0287% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7418% | 1,782 |
| Assets per employee ($millions) | 2.4448% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9679% | 65 |
| Loan loss allowance to noncurrent loans | 5,222.2222% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,269 |
| Noncurrent loans to loans | 0.0760% | 4,067 |
| Net loans and leases to total assets | 46.5273% | 4,288 |
| Net loans and leases to deposits | 59.9979% | 4,056 |
| Net loans and leases to core deposits | 67.0103% | 3,823 |
| Total domestic deposits to total assets | 77.5483% | 4,260 |
| Equity capital to assets | 21.9568% | 148 |
| Core capital (leverage) ratio | 20.5088% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,792,500 | 4,941 |
| Average earning assets | $23,865,750 | 4,921 |
| Average equity | $5,242,500 | 4,750 |
| Average total loans | $13,921,750 | 4,857 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 780 |
| Cost of funding earning assets | 0.6345% | 2,787 |
| Net interest margin | 4.3999% | 616 |
| Noninterest income to average assets | 0.1285% | 4,660 |
| Noninterest expense to average assets | 2.9068% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3681% | 1,185 |
| Return on assets (ROA) | 1.1643% | 1,876 |
| Pretax return on assets | 1.2366% | 2,231 |
| Return on Equity (ROE) | 5.5762% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.5762% | 2,246 |
| Net charge-offs to loans | 0.0137% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 483 |
| Efficiency ratio | 66.6667% | 2,423 |
| Assets per employee ($millions) | 2.5397% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0291% | 63 |
| Loan loss allowance to noncurrent loans | 5,177.7778% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,368 |
| Noncurrent loans to loans | 0.0778% | 4,147 |
| Net loans and leases to total assets | 43.7059% | 4,466 |
| Net loans and leases to deposits | 55.6865% | 4,301 |
| Net loans and leases to core deposits | 61.8419% | 4,181 |
| Total domestic deposits to total assets | 78.4856% | 4,119 |
| Equity capital to assets | 21.0655% | 176 |
| Core capital (leverage) ratio | 19.8783% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8420% | 187 |
| Memoranda: | ||
| Average total assets | $24,907,333 | 4,972 |
| Average earning assets | $23,955,333 | 4,952 |
| Average equity | $5,200,667 | 4,777 |
| Average total loans | $14,614,000 | 4,872 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 468 |
| Cost of funding earning assets | 0.6590% | 3,120 |
| Net interest margin | 4.7315% | 306 |
| Noninterest income to average assets | 0.1622% | 4,561 |
| Noninterest expense to average assets | 2.8870% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8165% | 396 |
| Return on assets (ROA) | 1.3624% | 1,159 |
| Pretax return on assets | 1.3624% | 1,679 |
| Return on Equity (ROE) | 6.5548% | 3,116 |
| Retained earnings to average equity (ytd only) | 6.5548% | 1,694 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3793% | 3,566 |
| Assets per employee ($millions) | 2.5410% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7320% | 189 |
| Loan loss allowance to noncurrent loans | 4,670.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,417 |
| Noncurrent loans to loans | 0.0585% | 4,317 |
| Net loans and leases to total assets | 65.4349% | 2,882 |
| Net loans and leases to deposits | 91.3070% | 1,366 |
| Net loans and leases to core deposits | 102.4713% | 1,290 |
| Total domestic deposits to total assets | 71.6647% | 4,785 |
| Equity capital to assets | 20.3778% | 228 |
| Core capital (leverage) ratio | 20.0320% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3566% | 322 |
| Memoranda: | ||
| Average total assets | $24,662,500 | 5,022 |
| Average earning assets | $23,671,000 | 4,999 |
| Average equity | $5,126,000 | 4,822 |
| Average total loans | $16,138,000 | 4,882 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1203% | 1,176 |
| Cost of funding earning assets | 0.6529% | 3,401 |
| Net interest margin | 4.4673% | 769 |
| Noninterest income to average assets | 0.1633% | 4,674 |
| Noninterest expense to average assets | 3.7157% | 749 |
| Loan and lease loss provision to assets | 0.1195% | 1,775 |
| Net operating income to assets | 0.6111% | 4,125 |
| Return on assets (ROA) | 0.6531% | 4,081 |
| Pretax return on assets | 0.6770% | 4,262 |
| Return on Equity (ROE) | 3.2276% | 4,622 |
| Retained earnings to average equity (ytd only) | 2.3420% | 3,853 |
| Net charge-offs to loans | 0.1200% | 1,549 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,567 |
| Efficiency ratio | 83.1551% | 718 |
| Assets per employee ($millions) | 2.3915% | 5,034 |
| Cash dividends to net income (ytd only)* | 27.4390% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0760% | 120 |
| Loan loss allowance to noncurrent loans | 3,891.6667% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,384 |
| Noncurrent loans to loans | 0.0790% | 4,206 |
| Net loans and leases to total assets | 61.5304% | 3,449 |
| Net loans and leases to deposits | 78.9770% | 2,907 |
| Net loans and leases to core deposits | 88.3890% | 2,574 |
| Total domestic deposits to total assets | 77.9093% | 4,376 |
| Equity capital to assets | 21.2168% | 201 |
| Core capital (leverage) ratio | 20.1509% | 234 |
| Tier 1 risk-based capital ratio | 28.8720% | 521 |
| Total risk-based capital ratio | 30.1426% | 510 |
| Memoranda: | ||
| Average total assets | $25,109,800 | 5,073 |
| Average earning assets | $24,198,000 | 5,051 |
| Average equity | $5,081,200 | 4,870 |
| Average total loans | $14,996,000 | 4,968 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 1,277 |
| Cost of funding earning assets | 0.6639% | 3,377 |
| Net interest margin | 4.4403% | 870 |
| Noninterest income to average assets | 0.1679% | 4,713 |
| Noninterest expense to average assets | 2.7077% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7159% | 724 |
| Return on assets (ROA) | 1.7159% | 763 |
| Pretax return on assets | 1.7422% | 1,217 |
| Return on Equity (ROE) | 8.5774% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.5774% | 1,179 |
| Net charge-offs to loans | 0.0714% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 41.4864% | 1,342 |
| Efficiency ratio | 60.8491% | 3,498 |
| Assets per employee ($millions) | 2.4986% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3503% | 99 |
| Loan loss allowance to noncurrent loans | 1,862.5000% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,229 |
| Noncurrent loans to loans | 0.1799% | 3,889 |
| Net loans and leases to total assets | 51.6089% | 4,335 |
| Net loans and leases to deposits | 65.7405% | 4,081 |
| Net loans and leases to core deposits | 73.1382% | 3,879 |
| Total domestic deposits to total assets | 78.5040% | 4,263 |
| Equity capital to assets | 21.2079% | 209 |
| Core capital (leverage) ratio | 20.3540% | 236 |
| Tier 1 risk-based capital ratio | 31.9609% | 430 |
| Total risk-based capital ratio | 33.2315% | 422 |
| Memoranda: | ||
| Average total assets | $25,408,500 | 5,148 |
| Average earning assets | $24,502,250 | 5,123 |
| Average equity | $5,083,000 | 4,938 |
| Average total loans | $14,949,500 | 5,043 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 853 |
| Cost of funding earning assets | 0.6839% | 3,256 |
| Net interest margin | 4.5918% | 630 |
| Noninterest income to average assets | 0.1722% | 4,721 |
| Noninterest expense to average assets | 2.7163% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8474% | 540 |
| Return on assets (ROA) | 1.8474% | 563 |
| Pretax return on assets | 1.8709% | 890 |
| Return on Equity (ROE) | 9.4193% | 2,674 |
| Retained earnings to average equity (ytd only) | 9.4193% | 928 |
| Net charge-offs to loans | 0.1162% | 1,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 26.5556% | 1,567 |
| Efficiency ratio | 59.2150% | 3,836 |
| Assets per employee ($millions) | 2.5577% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3978% | 92 |
| Loan loss allowance to noncurrent loans | 1,858.3333% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,293 |
| Noncurrent loans to loans | 0.1828% | 3,904 |
| Net loans and leases to total assets | 49.5758% | 4,489 |
| Net loans and leases to deposits | 62.3954% | 4,315 |
| Net loans and leases to core deposits | 69.1460% | 4,144 |
| Total domestic deposits to total assets | 79.4542% | 4,137 |
| Equity capital to assets | 20.3269% | 237 |
| Core capital (leverage) ratio | 19.9163% | 241 |
| Tier 1 risk-based capital ratio | 31.4331% | 439 |
| Total risk-based capital ratio | 32.6992% | 431 |
| Memoranda: | ||
| Average total assets | $25,549,330 | 5,194 |
| Average earning assets | $24,565,670 | 5,167 |
| Average equity | $5,011,000 | 4,982 |
| Average total loans | $15,485,330 | 5,078 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 647 |
| Cost of funding earning assets | 0.6860% | 3,122 |
| Net interest margin | 4.7038% | 490 |
| Noninterest income to average assets | 0.1880% | 4,626 |
| Noninterest expense to average assets | 2.7569% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9424% | 425 |
| Return on assets (ROA) | 1.9424% | 440 |
| Pretax return on assets | 1.9424% | 715 |
| Return on Equity (ROE) | 10.0875% | 2,335 |
| Retained earnings to average equity (ytd only) | 10.0875% | 1,019 |
| Net charge-offs to loans | -0.0720% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6667% | 3,994 |
| Assets per employee ($millions) | 2.6132% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6949% | 192 |
| Loan loss allowance to noncurrent loans | 1,635.7143% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,270 |
| Noncurrent loans to loans | 0.1648% | 4,010 |
| Net loans and leases to total assets | 63.2826% | 3,375 |
| Net loans and leases to deposits | 85.3302% | 2,210 |
| Net loans and leases to core deposits | 95.0621% | 2,019 |
| Total domestic deposits to total assets | 74.1619% | 4,918 |
| Equity capital to assets | 19.1987% | 268 |
| Core capital (leverage) ratio | 19.3116% | 261 |
| Tier 1 risk-based capital ratio | 26.4384% | 659 |
| Total risk-based capital ratio | 27.7006% | 649 |
| Memoranda: | ||
| Average total assets | $25,535,500 | 5,247 |
| Average earning assets | $24,491,000 | 5,220 |
| Average equity | $4,917,000 | 5,039 |
| Average total loans | $16,665,000 | 5,111 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 910 |
| Cost of funding earning assets | 0.5156% | 3,255 |
| Net interest margin | 4.5519% | 690 |
| Noninterest income to average assets | 0.2098% | 4,659 |
| Noninterest expense to average assets | 3.8119% | 671 |
| Loan and lease loss provision to assets | 0.1210% | 1,820 |
| Net operating income to assets | 0.6212% | 4,362 |
| Return on assets (ROA) | 0.5970% | 4,436 |
| Pretax return on assets | 0.5970% | 4,635 |
| Return on Equity (ROE) | 3.0313% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.2120% | 4,275 |
| Net charge-offs to loans | 0.1625% | 1,181 |
| Credit loss provision to net charge-offs | 120.0000% | 2,167 |
| Earnings coverage of net charge-offs (x) | 7.3600% | 3,000 |
| Efficiency ratio | 83.7024% | 671 |
| Assets per employee ($millions) | 2.4939% | 5,214 |
| Cash dividends to net income (ytd only)* | 27.0270% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7854% | 167 |
| Loan loss allowance to noncurrent loans | 1,467.7419% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,200 |
| Noncurrent loans to loans | 0.1898% | 3,893 |
| Net loans and leases to total assets | 63.6754% | 3,387 |
| Net loans and leases to deposits | 86.3419% | 2,231 |
| Net loans and leases to core deposits | 96.7821% | 1,983 |
| Total domestic deposits to total assets | 73.7479% | 4,964 |
| Equity capital to assets | 19.3151% | 257 |
| Core capital (leverage) ratio | 19.9171% | 238 |
| Tier 1 risk-based capital ratio | 26.9197% | 618 |
| Total risk-based capital ratio | 28.1830% | 610 |
| Memoranda: | ||
| Average total assets | $24,791,000 | 5,300 |
| Average earning assets | $23,660,200 | 5,276 |
| Average equity | $4,882,400 | 5,064 |
| Average total loans | $15,387,800 | 5,183 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 921 |
| Cost of funding earning assets | 0.5144% | 3,101 |
| Net interest margin | 4.4997% | 741 |
| Noninterest income to average assets | 0.2262% | 4,618 |
| Noninterest expense to average assets | 2.7739% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7398% | 683 |
| Return on assets (ROA) | 1.7398% | 689 |
| Pretax return on assets | 1.7398% | 1,177 |
| Return on Equity (ROE) | 8.7912% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.7912% | 1,311 |
| Net charge-offs to loans | 0.1232% | 1,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 23.0670% | 1,851 |
| Efficiency ratio | 61.4558% | 3,587 |
| Assets per employee ($millions) | 2.3543% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9957% | 141 |
| Loan loss allowance to noncurrent loans | 1,038.0952% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 4,057 |
| Noncurrent loans to loans | 0.2886% | 3,650 |
| Net loans and leases to total assets | 59.9669% | 3,848 |
| Net loans and leases to deposits | 77.7551% | 3,256 |
| Net loans and leases to core deposits | 87.2936% | 2,894 |
| Total domestic deposits to total assets | 77.1227% | 4,625 |
| Equity capital to assets | 21.0763% | 190 |
| Core capital (leverage) ratio | 21.7600% | 170 |
| Tier 1 risk-based capital ratio | 30.2168% | 468 |
| Total risk-based capital ratio | 31.4807% | 457 |
| Memoranda: | ||
| Average total assets | $24,754,000 | 5,370 |
| Average earning assets | $23,586,500 | 5,347 |
| Average equity | $4,898,750 | 5,123 |
| Average total loans | $15,151,000 | 5,255 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 668 |
| Cost of funding earning assets | 0.5503% | 2,603 |
| Net interest margin | 4.5443% | 635 |
| Noninterest income to average assets | 0.2544% | 4,488 |
| Noninterest expense to average assets | 2.7904% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7967% | 583 |
| Return on assets (ROA) | 1.7967% | 587 |
| Pretax return on assets | 1.7967% | 970 |
| Return on Equity (ROE) | 9.2667% | 2,911 |
| Retained earnings to average equity (ytd only) | 9.2667% | 1,138 |
| Net charge-offs to loans | 0.1564% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 18.8333% | 1,877 |
| Efficiency ratio | 60.8319% | 3,791 |
| Assets per employee ($millions) | 2.3553% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3898% | 91 |
| Loan loss allowance to noncurrent loans | 1,095.0000% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 4,140 |
| Noncurrent loans to loans | 0.3096% | 3,596 |
| Net loans and leases to total assets | 52.9996% | 4,411 |
| Net loans and leases to deposits | 67.2322% | 4,082 |
| Net loans and leases to core deposits | 75.2759% | 3,792 |
| Total domestic deposits to total assets | 78.8307% | 4,456 |
| Equity capital to assets | 21.0462% | 186 |
| Core capital (leverage) ratio | 20.4417% | 205 |
| Tier 1 risk-based capital ratio | 31.5323% | 425 |
| Total risk-based capital ratio | 32.7989% | 420 |
| Memoranda: | ||
| Average total assets | $25,157,670 | 5,429 |
| Average earning assets | $23,986,330 | 5,401 |
| Average equity | $4,877,670 | 5,181 |
| Average total loans | $15,350,000 | 5,310 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 550 |
| Cost of funding earning assets | 0.5331% | 2,524 |
| Net interest margin | 4.6041% | 497 |
| Noninterest income to average assets | 0.2619% | 4,429 |
| Noninterest expense to average assets | 2.6194% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0339% | 345 |
| Return on assets (ROA) | 2.0339% | 346 |
| Pretax return on assets | 2.0339% | 535 |
| Return on Equity (ROE) | 10.9136% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.9136% | 915 |
| Net charge-offs to loans | -0.0241% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2914% | 4,547 |
| Assets per employee ($millions) | 2.5746% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7577% | 200 |
| Loan loss allowance to noncurrent loans | 1,127.5000% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,301 |
| Noncurrent loans to loans | 0.2446% | 3,890 |
| Net loans and leases to total assets | 61.7688% | 3,573 |
| Net loans and leases to deposits | 91.6705% | 1,488 |
| Net loans and leases to core deposits | 103.5082% | 1,414 |
| Total domestic deposits to total assets | 67.3813% | 5,435 |
| Equity capital to assets | 18.9117% | 255 |
| Core capital (leverage) ratio | 18.7644% | 267 |
| Tier 1 risk-based capital ratio | 28.8490% | 520 |
| Total risk-based capital ratio | 30.1169% | 518 |
| Memoranda: | ||
| Average total assets | $25,960,000 | 5,482 |
| Average earning assets | $24,760,500 | 5,453 |
| Average equity | $4,838,000 | 5,241 |
| Average total loans | $16,564,500 | 5,337 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,048 |
| Cost of funding earning assets | 0.3694% | 3,524 |
| Net interest margin | 4.3941% | 777 |
| Noninterest income to average assets | 0.2330% | 4,738 |
| Noninterest expense to average assets | 3.6269% | 870 |
| Loan and lease loss provision to assets | 0.1205% | 1,901 |
| Net operating income to assets | 0.5911% | 4,050 |
| Return on assets (ROA) | 0.5985% | 4,061 |
| Pretax return on assets | 0.6507% | 4,632 |
| Return on Equity (ROE) | 3.0427% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.2259% | 3,990 |
| Net charge-offs to loans | 0.1613% | 1,511 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 7.9167% | 2,976 |
| Efficiency ratio | 82.6167% | 883 |
| Assets per employee ($millions) | 2.6174% | 5,414 |
| Cash dividends to net income (ytd only)* | 26.8456% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6826% | 201 |
| Loan loss allowance to noncurrent loans | 1,097.5610% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 4,353 |
| Noncurrent loans to loans | 0.2444% | 3,923 |
| Net loans and leases to total assets | 62.3711% | 3,570 |
| Net loans and leases to deposits | 92.1744% | 1,500 |
| Net loans and leases to core deposits | 103.8024% | 1,425 |
| Total domestic deposits to total assets | 67.6664% | 5,481 |
| Equity capital to assets | 18.3656% | 288 |
| Core capital (leverage) ratio | 18.8355% | 244 |
| Tier 1 risk-based capital ratio | 26.6072% | 617 |
| Total risk-based capital ratio | 27.8742% | 606 |
| Memoranda: | ||
| Average total assets | $24,897,000 | 5,547 |
| Average earning assets | $23,554,200 | 5,524 |
| Average equity | $4,897,000 | 5,289 |
| Average total loans | $14,877,400 | 5,440 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 1,145 |
| Cost of funding earning assets | 0.3568% | 3,602 |
| Net interest margin | 4.3391% | 837 |
| Noninterest income to average assets | 0.2441% | 4,742 |
| Noninterest expense to average assets | 2.6148% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6819% | 598 |
| Return on assets (ROA) | 1.6925% | 600 |
| Pretax return on assets | 1.7305% | 1,047 |
| Return on Equity (ROE) | 8.4559% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.4559% | 1,035 |
| Net charge-offs to loans | 0.0278% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 105.6650% | 669 |
| Efficiency ratio | 60.3254% | 4,158 |
| Assets per employee ($millions) | 2.4794% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9283% | 165 |
| Loan loss allowance to noncurrent loans | 722.9508% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 4,078 |
| Noncurrent loans to loans | 0.4050% | 3,486 |
| Net loans and leases to total assets | 58.9618% | 3,969 |
| Net loans and leases to deposits | 80.4214% | 2,930 |
| Net loans and leases to core deposits | 90.2742% | 2,585 |
| Total domestic deposits to total assets | 73.3161% | 5,289 |
| Equity capital to assets | 20.5332% | 205 |
| Core capital (leverage) ratio | 20.8454% | 183 |
| Tier 1 risk-based capital ratio | 30.2657% | 469 |
| Total risk-based capital ratio | 31.5340% | 463 |
| Memoranda: | ||
| Average total assets | $24,577,750 | 5,610 |
| Average earning assets | $23,168,500 | 5,592 |
| Average equity | $4,919,500 | 5,342 |
| Average total loans | $14,403,000 | 5,515 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 959 |
| Cost of funding earning assets | 0.3663% | 3,416 |
| Net interest margin | 4.3868% | 722 |
| Noninterest income to average assets | 0.2448% | 4,774 |
| Noninterest expense to average assets | 2.6280% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6976% | 567 |
| Return on assets (ROA) | 1.6976% | 574 |
| Pretax return on assets | 1.7221% | 1,005 |
| Return on Equity (ROE) | 8.5556% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.5556% | 982 |
| Net charge-offs to loans | 0.0423% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 838 |
| Efficiency ratio | 60.4128% | 4,260 |
| Assets per employee ($millions) | 2.3282% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4324% | 102 |
| Loan loss allowance to noncurrent loans | 722.9508% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 4,079 |
| Noncurrent loans to loans | 0.4748% | 3,322 |
| Net loans and leases to total assets | 53.2901% | 4,460 |
| Net loans and leases to deposits | 67.9575% | 4,077 |
| Net loans and leases to core deposits | 76.2429% | 3,749 |
| Total domestic deposits to total assets | 78.4168% | 4,745 |
| Equity capital to assets | 21.4930% | 162 |
| Core capital (leverage) ratio | 20.8469% | 177 |
| Tier 1 risk-based capital ratio | 32.2503% | 394 |
| Total risk-based capital ratio | 33.5186% | 384 |
| Memoranda: | ||
| Average total assets | $24,505,670 | 5,660 |
| Average earning assets | $22,932,330 | 5,642 |
| Average equity | $4,862,330 | 5,392 |
| Average total loans | $14,184,000 | 5,565 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 674 |
| Cost of funding earning assets | 0.3780% | 3,224 |
| Net interest margin | 4.4844% | 539 |
| Noninterest income to average assets | 0.2548% | 4,718 |
| Noninterest expense to average assets | 2.5480% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8632% | 394 |
| Return on assets (ROA) | 1.8632% | 410 |
| Pretax return on assets | 1.8632% | 701 |
| Return on Equity (ROE) | 9.7673% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.7673% | 869 |
| Net charge-offs to loans | 0.0269% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 467 |
| Efficiency ratio | 57.7617% | 4,743 |
| Assets per employee ($millions) | 2.3305% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0725% | 163 |
| Loan loss allowance to noncurrent loans | 714.5161% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 4,149 |
| Noncurrent loans to loans | 0.4300% | 3,557 |
| Net loans and leases to total assets | 59.9657% | 3,790 |
| Net loans and leases to deposits | 80.2147% | 2,722 |
| Net loans and leases to core deposits | 90.5234% | 2,309 |
| Total domestic deposits to total assets | 74.7565% | 5,355 |
| Equity capital to assets | 20.8582% | 175 |
| Core capital (leverage) ratio | 19.2614% | 224 |
| Tier 1 risk-based capital ratio | 30.2651% | 468 |
| Total risk-based capital ratio | 31.5345% | 463 |
| Memoranda: | ||
| Average total assets | $25,117,500 | 5,725 |
| Average earning assets | $23,280,500 | 5,702 |
| Average equity | $4,791,500 | 5,458 |
| Average total loans | $14,852,000 | 5,611 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 1,830 |
| Cost of funding earning assets | 0.3294% | 3,754 |
| Net interest margin | 4.0672% | 1,452 |
| Noninterest income to average assets | 0.2287% | 5,045 |
| Noninterest expense to average assets | 3.6156% | 991 |
| Loan and lease loss provision to assets | 0.0401% | 3,579 |
| Net operating income to assets | 0.4256% | 4,860 |
| Return on assets (ROA) | 0.5618% | 4,480 |
| Pretax return on assets | 0.5779% | 4,850 |
| Return on Equity (ROE) | 2.8031% | 5,212 |
| Retained earnings to average equity (ytd only) | 2.0623% | 4,366 |
| Net charge-offs to loans | 0.0070% | 4,019 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 508 |
| Efficiency ratio | 88.3333% | 648 |
| Assets per employee ($millions) | 2.6930% | 5,564 |
| Cash dividends to net income (ytd only)* | 26.4286% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9046% | 195 |
| Loan loss allowance to noncurrent loans | 716.1290% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 4,387 |
| Noncurrent loans to loans | 0.4056% | 3,694 |
| Net loans and leases to total assets | 55.1133% | 4,337 |
| Net loans and leases to deposits | 85.7473% | 2,215 |
| Net loans and leases to core deposits | 96.8483% | 1,846 |
| Total domestic deposits to total assets | 64.2740% | 5,786 |
| Equity capital to assets | 17.5343% | 333 |
| Core capital (leverage) ratio | 19.5325% | 204 |
| Tier 1 risk-based capital ratio | 28.2944% | 549 |
| Total risk-based capital ratio | 29.5635% | 542 |
| Memoranda: | ||
| Average total assets | $24,919,600 | 5,775 |
| Average earning assets | $23,677,400 | 5,750 |
| Average equity | $4,994,400 | 5,469 |
| Average total loans | $14,268,200 | 5,676 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,532 |
| Cost of funding earning assets | 0.3342% | 3,728 |
| Net interest margin | 4.1694% | 1,204 |
| Noninterest income to average assets | 0.2293% | 5,098 |
| Noninterest expense to average assets | 2.7740% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4599% | 955 |
| Return on assets (ROA) | 1.6491% | 695 |
| Pretax return on assets | 1.6655% | 1,210 |
| Return on Equity (ROE) | 7.9538% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.9538% | 1,191 |
| Net charge-offs to loans | 0.0095% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 270.6692% | 301 |
| Efficiency ratio | 65.2956% | 3,713 |
| Assets per employee ($millions) | 2.3225% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4709% | 119 |
| Loan loss allowance to noncurrent loans | 688.8889% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,346 |
| Noncurrent loans to loans | 0.5038% | 3,488 |
| Net loans and leases to total assets | 51.9699% | 4,659 |
| Net loans and leases to deposits | 67.3737% | 4,214 |
| Net loans and leases to core deposits | 75.7642% | 3,868 |
| Total domestic deposits to total assets | 77.1367% | 5,058 |
| Equity capital to assets | 22.4327% | 152 |
| Core capital (leverage) ratio | 21.0181% | 166 |
| Tier 1 risk-based capital ratio | 36.8872% | 296 |
| Total risk-based capital ratio | 38.1645% | 287 |
| Memoranda: | ||
| Average total assets | $24,417,000 | 5,843 |
| Average earning assets | $23,535,750 | 5,813 |
| Average equity | $5,062,500 | 5,519 |
| Average total loans | $14,013,750 | 5,745 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 1,269 |
| Cost of funding earning assets | 0.3434% | 3,636 |
| Net interest margin | 4.2544% | 1,012 |
| Noninterest income to average assets | 0.2337% | 5,083 |
| Noninterest expense to average assets | 2.7565% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5584% | 790 |
| Return on assets (ROA) | 1.8376% | 471 |
| Pretax return on assets | 1.8538% | 777 |
| Return on Equity (ROE) | 9.0958% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.0958% | 823 |
| Net charge-offs to loans | 0.0276% | 2,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 594 |
| Efficiency ratio | 63.6872% | 4,072 |
| Assets per employee ($millions) | 2.3542% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6426% | 108 |
| Loan loss allowance to noncurrent loans | 687.3016% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 4,426 |
| Noncurrent loans to loans | 0.5300% | 3,491 |
| Net loans and leases to total assets | 48.6535% | 4,935 |
| Net loans and leases to deposits | 62.5594% | 4,609 |
| Net loans and leases to core deposits | 70.1623% | 4,312 |
| Total domestic deposits to total assets | 77.7716% | 5,043 |
| Equity capital to assets | 21.8206% | 157 |
| Core capital (leverage) ratio | 20.2793% | 186 |
| Tier 1 risk-based capital ratio | 35.3182% | 327 |
| Total risk-based capital ratio | 36.6023% | 322 |
| Memoranda: | ||
| Average total assets | $24,814,330 | 5,914 |
| Average earning assets | $23,881,000 | 5,881 |
| Average equity | $5,013,330 | 5,583 |
| Average total loans | $14,517,000 | 5,801 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 869 |
| Cost of funding earning assets | 0.3434% | 3,677 |
| Net interest margin | 4.4474% | 671 |
| Noninterest income to average assets | 0.2358% | 5,056 |
| Noninterest expense to average assets | 2.8605% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6503% | 635 |
| Return on assets (ROA) | 1.6817% | 639 |
| Pretax return on assets | 1.6817% | 1,114 |
| Return on Equity (ROE) | 8.6438% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.6438% | 1,214 |
| Net charge-offs to loans | 0.0505% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 854 |
| Efficiency ratio | 63.4146% | 4,232 |
| Assets per employee ($millions) | 2.5266% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7452% | 296 |
| Loan loss allowance to noncurrent loans | 676.5625% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 4,087 |
| Noncurrent loans to loans | 0.4058% | 3,983 |
| Net loans and leases to total assets | 60.7140% | 3,685 |
| Net loans and leases to deposits | 84.6438% | 2,228 |
| Net loans and leases to core deposits | 95.0493% | 1,885 |
| Total domestic deposits to total assets | 71.7288% | 5,791 |
| Equity capital to assets | 19.9280% | 215 |
| Core capital (leverage) ratio | 18.3010% | 274 |
| Tier 1 risk-based capital ratio | 29.2004% | 541 |
| Total risk-based capital ratio | 30.4652% | 532 |
| Memoranda: | ||
| Average total assets | $25,450,500 | 5,964 |
| Average earning assets | $24,464,000 | 5,931 |
| Average equity | $4,951,500 | 5,634 |
| Average total loans | $15,832,000 | 5,824 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 1,893 |
| Cost of funding earning assets | 0.3065% | 4,177 |
| Net interest margin | 4.0953% | 1,421 |
| Noninterest income to average assets | 0.2637% | 4,994 |
| Noninterest expense to average assets | 3.7039% | 971 |
| Loan and lease loss provision to assets | 0.0412% | 3,512 |
| Net operating income to assets | 0.4820% | 4,757 |
| Return on assets (ROA) | 0.5562% | 4,567 |
| Pretax return on assets | 0.5562% | 4,971 |
| Return on Equity (ROE) | 2.7731% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.0747% | 4,547 |
| Net charge-offs to loans | 0.0524% | 3,149 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 2,026 |
| Efficiency ratio | 87.6218% | 858 |
| Assets per employee ($millions) | 2.5635% | 5,861 |
| Cash dividends to net income (ytd only)* | 25.1852% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7374% | 305 |
| Loan loss allowance to noncurrent loans | 453.1250% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 4,097 |
| Noncurrent loans to loans | 0.6041% | 3,356 |
| Net loans and leases to total assets | 60.2926% | 3,794 |
| Net loans and leases to deposits | 87.2481% | 1,967 |
| Net loans and leases to core deposits | 98.2519% | 1,651 |
| Total domestic deposits to total assets | 69.1047% | 5,935 |
| Equity capital to assets | 18.9897% | 246 |
| Core capital (leverage) ratio | 19.1764% | 234 |
| Tier 1 risk-based capital ratio | 28.3027% | 585 |
| Total risk-based capital ratio | 29.5689% | 574 |
| Memoranda: | ||
| Average total assets | $24,271,800 | 6,038 |
| Average earning assets | $23,490,600 | 6,002 |
| Average equity | $4,868,200 | 5,684 |
| Average total loans | $13,360,000 | 5,942 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 1,798 |
| Cost of funding earning assets | 0.3110% | 4,216 |
| Net interest margin | 4.1239% | 1,342 |
| Noninterest income to average assets | 0.2452% | 5,181 |
| Noninterest expense to average assets | 2.8637% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3706% | 1,180 |
| Return on assets (ROA) | 1.4709% | 1,004 |
| Pretax return on assets | 1.4709% | 1,760 |
| Return on Equity (ROE) | 7.2303% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.2303% | 1,586 |
| Net charge-offs to loans | 0.0419% | 3,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 61.5366% | 901 |
| Efficiency ratio | 67.6316% | 3,608 |
| Assets per employee ($millions) | 2.2135% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5542% | 134 |
| Loan loss allowance to noncurrent loans | 445.8333% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 4,048 |
| Noncurrent loans to loans | 0.7972% | 2,969 |
| Net loans and leases to total assets | 52.4689% | 4,712 |
| Net loans and leases to deposits | 68.0814% | 4,184 |
| Net loans and leases to core deposits | 77.0415% | 3,689 |
| Total domestic deposits to total assets | 77.0680% | 5,329 |
| Equity capital to assets | 22.6519% | 137 |
| Core capital (leverage) ratio | 20.4298% | 185 |
| Tier 1 risk-based capital ratio | 36.5593% | 311 |
| Total risk-based capital ratio | 37.8311% | 311 |
| Memoranda: | ||
| Average total assets | $23,931,000 | 6,127 |
| Average earning assets | $23,148,750 | 6,088 |
| Average equity | $4,868,250 | 5,761 |
| Average total loans | $12,727,250 | 6,037 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 1,721 |
| Cost of funding earning assets | 0.3122% | 4,254 |
| Net interest margin | 4.1261% | 1,288 |
| Noninterest income to average assets | 0.2446% | 5,211 |
| Noninterest expense to average assets | 2.7722% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4595% | 969 |
| Return on assets (ROA) | 1.6551% | 705 |
| Pretax return on assets | 1.6551% | 1,182 |
| Return on Equity (ROE) | 8.4238% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.4238% | 1,108 |
| Net charge-offs to loans | 0.0309% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 650 |
| Efficiency ratio | 65.5106% | 4,099 |
| Assets per employee ($millions) | 2.3684% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8739% | 114 |
| Loan loss allowance to noncurrent loans | 632.3529% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 4,728 |
| Noncurrent loans to loans | 0.6126% | 3,632 |
| Net loans and leases to total assets | 45.0515% | 5,314 |
| Net loans and leases to deposits | 59.8967% | 4,860 |
| Net loans and leases to core deposits | 67.4037% | 4,540 |
| Total domestic deposits to total assets | 75.2153% | 5,682 |
| Equity capital to assets | 20.5033% | 207 |
| Core capital (leverage) ratio | 19.2852% | 230 |
| Tier 1 risk-based capital ratio | 37.1170% | 310 |
| Total risk-based capital ratio | 38.3937% | 306 |
| Memoranda: | ||
| Average total assets | $24,529,670 | 6,195 |
| Average earning assets | $23,702,670 | 6,151 |
| Average equity | $4,819,670 | 5,828 |
| Average total loans | $12,955,670 | 6,097 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 1,357 |
| Cost of funding earning assets | 0.3147% | 4,282 |
| Net interest margin | 4.2240% | 1,017 |
| Noninterest income to average assets | 0.2405% | 5,252 |
| Noninterest expense to average assets | 2.8695% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4588% | 924 |
| Return on assets (ROA) | 1.6191% | 728 |
| Pretax return on assets | 1.6191% | 1,225 |
| Return on Equity (ROE) | 8.4140% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.4140% | 1,408 |
| Net charge-offs to loans | -0.0288% | 5,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2963% | 4,099 |
| Assets per employee ($millions) | 2.4712% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1911% | 248 |
| Loan loss allowance to noncurrent loans | 618.5714% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 4,166 |
| Noncurrent loans to loans | 0.5159% | 4,031 |
| Net loans and leases to total assets | 53.1564% | 4,537 |
| Net loans and leases to deposits | 69.9207% | 3,755 |
| Net loans and leases to core deposits | 78.1765% | 3,360 |
| Total domestic deposits to total assets | 76.0238% | 5,735 |
| Equity capital to assets | 19.6666% | 238 |
| Core capital (leverage) ratio | 17.9899% | 286 |
| Tier 1 risk-based capital ratio | 29.9636% | 542 |
| Total risk-based capital ratio | 31.2273% | 538 |
| Memoranda: | ||
| Average total assets | $24,952,500 | 6,255 |
| Average earning assets | $24,148,000 | 6,210 |
| Average equity | $4,801,500 | 5,882 |
| Average total loans | $13,883,500 | 6,121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 2,270 |
| Cost of funding earning assets | 0.3119% | 4,662 |
| Net interest margin | 4.0731% | 1,671 |
| Noninterest income to average assets | 0.2950% | 5,010 |
| Noninterest expense to average assets | 3.5956% | 1,317 |
| Loan and lease loss provision to assets | 0.0470% | 3,630 |
| Net operating income to assets | 0.4421% | 5,053 |
| Return on assets (ROA) | 0.5131% | 4,844 |
| Pretax return on assets | 0.6499% | 4,785 |
| Return on Equity (ROE) | 2.5716% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.8430% | 4,882 |
| Net charge-offs to loans | 0.0663% | 3,536 |
| Credit loss provision to net charge-offs | 137.5000% | 1,718 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,895 |
| Efficiency ratio | 85.5544% | 1,221 |
| Assets per employee ($millions) | 2.5193% | 6,148 |
| Cash dividends to net income (ytd only)* | 28.3333% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0427% | 286 |
| Loan loss allowance to noncurrent loans | 576.0000% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 4,213 |
| Noncurrent loans to loans | 0.5282% | 4,084 |
| Net loans and leases to total assets | 54.6422% | 4,498 |
| Net loans and leases to deposits | 78.2737% | 2,941 |
| Net loans and leases to core deposits | 88.2266% | 2,470 |
| Total domestic deposits to total assets | 69.8091% | 6,203 |
| Equity capital to assets | 18.8267% | 272 |
| Core capital (leverage) ratio | 18.8942% | 249 |
| Tier 1 risk-based capital ratio | 30.5104% | 489 |
| Total risk-based capital ratio | 31.7830% | 484 |
| Memoranda: | ||
| Average total assets | $23,389,400 | 6,363 |
| Average earning assets | $22,439,800 | 6,323 |
| Average equity | $4,666,400 | 5,937 |
| Average total loans | $12,071,200 | 6,252 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 1,944 |
| Cost of funding earning assets | 0.3223% | 4,648 |
| Net interest margin | 4.1593% | 1,401 |
| Noninterest income to average assets | 0.3022% | 5,026 |
| Noninterest expense to average assets | 2.7842% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3694% | 1,196 |
| Return on assets (ROA) | 1.4764% | 1,011 |
| Pretax return on assets | 1.6101% | 1,298 |
| Return on Equity (ROE) | 7.2873% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.2873% | 1,679 |
| Net charge-offs to loans | -0.0231% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0815% | 4,357 |
| Assets per employee ($millions) | 2.2678% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2371% | 135 |
| Loan loss allowance to noncurrent loans | 321.6418% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 4,074 |
| Noncurrent loans to loans | 1.3173% | 2,448 |
| Net loans and leases to total assets | 42.9535% | 5,601 |
| Net loans and leases to deposits | 54.6572% | 5,333 |
| Net loans and leases to core deposits | 61.4962% | 5,075 |
| Total domestic deposits to total assets | 78.5872% | 5,420 |
| Equity capital to assets | 21.3158% | 183 |
| Core capital (leverage) ratio | 20.2240% | 204 |
| Tier 1 risk-based capital ratio | 39.1685% | 258 |
| Total risk-based capital ratio | 40.4471% | 254 |
| Memoranda: | ||
| Average total assets | $22,938,500 | 6,450 |
| Average earning assets | $21,926,500 | 6,410 |
| Average equity | $4,647,250 | 6,002 |
| Average total loans | $11,539,500 | 6,335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,301 |
| Cost of funding earning assets | 0.3278% | 4,669 |
| Net interest margin | 4.3617% | 921 |
| Noninterest income to average assets | 0.3040% | 4,972 |
| Noninterest expense to average assets | 2.7882% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5426% | 808 |
| Return on assets (ROA) | 1.5027% | 899 |
| Pretax return on assets | 1.6330% | 1,174 |
| Return on Equity (ROE) | 7.5463% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.5463% | 1,504 |
| Net charge-offs to loans | -0.0667% | 5,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4514% | 4,951 |
| Assets per employee ($millions) | 2.3017% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7771% | 96 |
| Loan loss allowance to noncurrent loans | 346.4000% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 4,363 |
| Noncurrent loans to loans | 1.3791% | 2,502 |
| Net loans and leases to total assets | 37.4984% | 5,982 |
| Net loans and leases to deposits | 47.2388% | 5,815 |
| Net loans and leases to core deposits | 52.9932% | 5,615 |
| Total domestic deposits to total assets | 79.3805% | 5,366 |
| Equity capital to assets | 20.5370% | 197 |
| Core capital (leverage) ratio | 20.0498% | 197 |
| Tier 1 risk-based capital ratio | 43.6046% | 190 |
| Total risk-based capital ratio | 44.8846% | 187 |
| Memoranda: | ||
| Average total assets | $23,025,330 | 6,515 |
| Average earning assets | $21,964,000 | 6,473 |
| Average equity | $4,585,000 | 6,067 |
| Average total loans | $11,995,330 | 6,380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 609 |
| Cost of funding earning assets | 0.3247% | 4,796 |
| Net interest margin | 4.7624% | 410 |
| Noninterest income to average assets | 0.3126% | 4,864 |
| Noninterest expense to average assets | 2.9006% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8759% | 418 |
| Return on assets (ROA) | 1.8759% | 439 |
| Pretax return on assets | 1.9974% | 536 |
| Return on Equity (ROE) | 9.5702% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.5702% | 1,087 |
| Net charge-offs to loans | -0.0891% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2199% | 5,507 |
| Assets per employee ($millions) | 2.3269% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3147% | 317 |
| Loan loss allowance to noncurrent loans | 553.8462% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 5,143 |
| Noncurrent loans to loans | 0.5985% | 4,363 |
| Net loans and leases to total assets | 54.1536% | 4,392 |
| Net loans and leases to deposits | 73.5181% | 3,128 |
| Net loans and leases to core deposits | 83.1420% | 2,626 |
| Total domestic deposits to total assets | 73.6602% | 6,270 |
| Equity capital to assets | 19.7688% | 222 |
| Core capital (leverage) ratio | 19.7680% | 220 |
| Tier 1 risk-based capital ratio | 34.8534% | 356 |
| Total risk-based capital ratio | 36.1261% | 349 |
| Memoranda: | ||
| Average total assets | $23,029,500 | 6,586 |
| Average earning assets | $22,173,500 | 6,541 |
| Average equity | $4,514,000 | 6,133 |
| Average total loans | $13,461,000 | 6,401 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 993 |
| Cost of funding earning assets | 0.3717% | 4,930 |
| Net interest margin | 4.5895% | 627 |
| Noninterest income to average assets | 0.3203% | 5,043 |
| Noninterest expense to average assets | 3.8441% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7480% | 3,561 |
| Return on assets (ROA) | 0.7597% | 3,594 |
| Pretax return on assets | 0.8970% | 3,776 |
| Return on Equity (ROE) | 3.5697% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.6666% | 4,348 |
| Net charge-offs to loans | -0.0704% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3166% | 1,974 |
| Assets per employee ($millions) | 2.2790% | 6,531 |
| Cash dividends to net income (ytd only)* | 25.3012% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0888% | 425 |
| Loan loss allowance to noncurrent loans | 550.0000% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 5,244 |
| Noncurrent loans to loans | 0.5616% | 4,584 |
| Net loans and leases to total assets | 59.0610% | 3,864 |
| Net loans and leases to deposits | 81.3441% | 2,274 |
| Net loans and leases to core deposits | 92.4260% | 1,746 |
| Total domestic deposits to total assets | 72.6064% | 6,378 |
| Equity capital to assets | 19.4296% | 239 |
| Core capital (leverage) ratio | 20.1208% | 193 |
| Tier 1 risk-based capital ratio | 33.8246% | 371 |
| Total risk-based capital ratio | 35.0955% | 362 |
| Memoranda: | ||
| Average total assets | $21,851,800 | 6,679 |
| Average earning assets | $20,982,600 | 6,639 |
| Average equity | $4,650,200 | 6,154 |
| Average total loans | $11,368,400 | 6,543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 892 |
| Cost of funding earning assets | 0.3866% | 4,933 |
| Net interest margin | 4.6390% | 574 |
| Noninterest income to average assets | 0.3207% | 5,124 |
| Noninterest expense to average assets | 2.8433% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7763% | 548 |
| Return on assets (ROA) | 1.7763% | 577 |
| Pretax return on assets | 1.9182% | 687 |
| Return on Equity (ROE) | 8.1600% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.1600% | 1,351 |
| Net charge-offs to loans | -0.0496% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7150% | 5,473 |
| Assets per employee ($millions) | 2.1139% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0519% | 227 |
| Loan loss allowance to noncurrent loans | 544.8718% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 5,298 |
| Noncurrent loans to loans | 0.7436% | 4,360 |
| Net loans and leases to total assets | 47.6087% | 5,392 |
| Net loans and leases to deposits | 61.0383% | 4,862 |
| Net loans and leases to core deposits | 69.3878% | 4,385 |
| Total domestic deposits to total assets | 77.9980% | 5,903 |
| Equity capital to assets | 21.8979% | 150 |
| Core capital (leverage) ratio | 21.7795% | 139 |
| Tier 1 risk-based capital ratio | 44.8193% | 173 |
| Total risk-based capital ratio | 46.1073% | 173 |
| Memoranda: | ||
| Average total assets | $21,617,250 | 6,755 |
| Average earning assets | $20,693,750 | 6,716 |
| Average equity | $4,705,750 | 6,224 |
| Average total loans | $10,738,250 | 6,631 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 888 |
| Cost of funding earning assets | 0.3940% | 4,990 |
| Net interest margin | 4.6221% | 577 |
| Noninterest income to average assets | 0.3123% | 5,207 |
| Noninterest expense to average assets | 2.8930% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6991% | 622 |
| Return on assets (ROA) | 1.6991% | 678 |
| Pretax return on assets | 1.8368% | 852 |
| Return on Equity (ROE) | 7.8202% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.8202% | 1,558 |
| Net charge-offs to loans | -0.0554% | 6,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1650% | 5,298 |
| Assets per employee ($millions) | 2.1067% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4287% | 183 |
| Loan loss allowance to noncurrent loans | 543.5897% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 5,369 |
| Noncurrent loans to loans | 0.8147% | 4,283 |
| Net loans and leases to total assets | 43.4329% | 5,791 |
| Net loans and leases to deposits | 55.7689% | 5,366 |
| Net loans and leases to core deposits | 63.4403% | 4,954 |
| Total domestic deposits to total assets | 77.8801% | 6,001 |
| Equity capital to assets | 22.0440% | 138 |
| Core capital (leverage) ratio | 20.7860% | 152 |
| Tier 1 risk-based capital ratio | 46.4398% | 155 |
| Total risk-based capital ratio | 47.7335% | 153 |
| Memoranda: | ||
| Average total assets | $21,776,670 | 6,803 |
| Average earning assets | $20,813,000 | 6,764 |
| Average equity | $4,731,330 | 6,261 |
| Average total loans | $10,821,330 | 6,674 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 394 |
| Cost of funding earning assets | 0.3987% | 5,114 |
| Net interest margin | 5.0507% | 268 |
| Noninterest income to average assets | 0.3073% | 5,231 |
| Noninterest expense to average assets | 2.9641% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0062% | 341 |
| Return on assets (ROA) | 2.0062% | 370 |
| Pretax return on assets | 2.1508% | 453 |
| Return on Equity (ROE) | 9.2984% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.2984% | 1,286 |
| Net charge-offs to loans | -0.0699% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9505% | 5,861 |
| Assets per employee ($millions) | 2.2440% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7869% | 336 |
| Loan loss allowance to noncurrent loans | 509.6386% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 5,479 |
| Noncurrent loans to loans | 0.7431% | 4,644 |
| Net loans and leases to total assets | 47.8922% | 5,238 |
| Net loans and leases to deposits | 65.2559% | 4,156 |
| Net loans and leases to core deposits | 74.1940% | 3,555 |
| Total domestic deposits to total assets | 73.3913% | 6,574 |
| Equity capital to assets | 21.4483% | 162 |
| Core capital (leverage) ratio | 19.9175% | 196 |
| Tier 1 risk-based capital ratio | 40.2223% | 226 |
| Total risk-based capital ratio | 41.5039% | 224 |
| Memoranda: | ||
| Average total assets | $22,131,500 | 6,873 |
| Average earning assets | $21,066,500 | 6,827 |
| Average equity | $4,775,000 | 6,312 |
| Average total loans | $11,445,000 | 6,722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 741 |
| Cost of funding earning assets | 0.4681% | 5,433 |
| Net interest margin | 4.9447% | 414 |
| Noninterest income to average assets | 0.3090% | 5,240 |
| Noninterest expense to average assets | 4.4475% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5751% | 4,359 |
| Return on assets (ROA) | 0.7121% | 3,943 |
| Pretax return on assets | 0.7927% | 4,320 |
| Return on Equity (ROE) | 3.2934% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.0506% | 4,784 |
| Net charge-offs to loans | -0.0704% | 6,772 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4120% | 1,290 |
| Assets per employee ($millions) | 2.1823% | 6,846 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5922% | 396 |
| Loan loss allowance to noncurrent loans | 507.2289% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 5,550 |
| Noncurrent loans to loans | 0.7082% | 4,773 |
| Net loans and leases to total assets | 51.7756% | 4,959 |
| Net loans and leases to deposits | 70.9380% | 3,568 |
| Net loans and leases to core deposits | 81.0313% | 2,878 |
| Total domestic deposits to total assets | 72.9872% | 6,624 |
| Equity capital to assets | 21.7065% | 162 |
| Core capital (leverage) ratio | 19.6843% | 206 |
| Tier 1 risk-based capital ratio | 40.1684% | 235 |
| Total risk-based capital ratio | 41.4494% | 233 |
| Memoranda: | ||
| Average total assets | $22,327,400 | 6,923 |
| Average earning assets | $21,578,600 | 6,870 |
| Average equity | $4,827,800 | 6,344 |
| Average total loans | $11,362,200 | 6,797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 528 |
| Cost of funding earning assets | 0.4797% | 5,569 |
| Net interest margin | 5.1538% | 310 |
| Noninterest income to average assets | 0.3147% | 5,263 |
| Noninterest expense to average assets | 2.8087% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4039% | 206 |
| Return on assets (ROA) | 2.5653% | 165 |
| Pretax return on assets | 2.6484% | 234 |
| Return on Equity (ROE) | 11.8749% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.8749% | 550 |
| Net charge-offs to loans | -0.0710% | 6,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0864% | 6,343 |
| Assets per employee ($millions) | 2.1488% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3916% | 234 |
| Loan loss allowance to noncurrent loans | 504.8193% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 5,728 |
| Noncurrent loans to loans | 0.8699% | 4,680 |
| Net loans and leases to total assets | 42.4516% | 6,087 |
| Net loans and leases to deposits | 56.4585% | 5,590 |
| Net loans and leases to core deposits | 64.3618% | 5,113 |
| Total domestic deposits to total assets | 75.1908% | 6,495 |
| Equity capital to assets | 23.8598% | 119 |
| Core capital (leverage) ratio | 20.6351% | 186 |
| Tier 1 risk-based capital ratio | 51.0261% | 135 |
| Total risk-based capital ratio | 52.3115% | 132 |
| Memoranda: | ||
| Average total assets | $22,453,500 | 7,009 |
| Average earning assets | $21,679,500 | 6,960 |
| Average equity | $4,850,500 | 6,409 |
| Average total loans | $11,272,750 | 6,891 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 600 |
| Cost of funding earning assets | 0.5007% | 5,613 |
| Net interest margin | 5.0801% | 348 |
| Noninterest income to average assets | 0.3074% | 5,354 |
| Noninterest expense to average assets | 2.8101% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.3257% | 227 |
| Return on assets (ROA) | 2.5642% | 179 |
| Pretax return on assets | 2.6432% | 245 |
| Return on Equity (ROE) | 12.2732% | 1,585 |
| Retained earnings to average equity (ytd only) | 12.2732% | 540 |
| Net charge-offs to loans | -0.0506% | 6,666 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9629% | 6,318 |
| Assets per employee ($millions) | 2.2234% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3748% | 258 |
| Loan loss allowance to noncurrent loans | 472.7273% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 5,793 |
| Noncurrent loans to loans | 0.9254% | 4,655 |
| Net loans and leases to total assets | 40.8968% | 6,281 |
| Net loans and leases to deposits | 53.2066% | 5,936 |
| Net loans and leases to core deposits | 60.1946% | 5,567 |
| Total domestic deposits to total assets | 76.8643% | 6,345 |
| Equity capital to assets | 22.3082% | 150 |
| Core capital (leverage) ratio | 20.0288% | 204 |
| Tier 1 risk-based capital ratio | 46.7755% | 151 |
| Total risk-based capital ratio | 48.0510% | 150 |
| Memoranda: | ||
| Average total assets | $22,775,330 | 7,063 |
| Average earning assets | $21,968,000 | 7,010 |
| Average equity | $4,758,330 | 6,463 |
| Average total loans | $11,850,000 | 6,934 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0563% | 284 |
| Cost of funding earning assets | 0.5196% | 5,684 |
| Net interest margin | 5.5366% | 171 |
| Noninterest income to average assets | 0.2951% | 5,507 |
| Noninterest expense to average assets | 2.7771% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8090% | 123 |
| Return on assets (ROA) | 3.2804% | 97 |
| Pretax return on assets | 3.3672% | 129 |
| Return on Equity (ROE) | 16.2319% | 772 |
| Retained earnings to average equity (ytd only) | 16.2319% | 350 |
| Net charge-offs to loans | -0.0307% | 6,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0798% | 6,733 |
| Assets per employee ($millions) | 2.2787% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2208% | 670 |
| Loan loss allowance to noncurrent loans | 445.1613% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 5,841 |
| Noncurrent loans to loans | 0.7235% | 5,213 |
| Net loans and leases to total assets | 54.5925% | 4,620 |
| Net loans and leases to deposits | 74.5759% | 3,031 |
| Net loans and leases to core deposits | 84.6431% | 2,458 |
| Total domestic deposits to total assets | 73.2040% | 6,815 |
| Equity capital to assets | 20.8013% | 195 |
| Core capital (leverage) ratio | 18.6848% | 256 |
| Tier 1 risk-based capital ratio | 35.7907% | 320 |
| Total risk-based capital ratio | 37.0687% | 310 |
| Memoranda: | ||
| Average total assets | $23,046,000 | 7,120 |
| Average earning assets | $22,324,000 | 7,064 |
| Average equity | $4,657,500 | 6,529 |
| Average total loans | $13,020,500 | 6,936 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 1,466 |
| Cost of funding earning assets | 0.7038% | 5,515 |
| Net interest margin | 4.6763% | 787 |
| Noninterest income to average assets | 0.3361% | 5,125 |
| Noninterest expense to average assets | 4.1337% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6995% | 3,491 |
| Return on assets (ROA) | 0.7041% | 3,655 |
| Pretax return on assets | 0.7041% | 4,309 |
| Return on Equity (ROE) | 3.4420% | 5,101 |
| Retained earnings to average equity (ytd only) | 2.3317% | 4,558 |
| Net charge-offs to loans | 0.1575% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 2,125 |
| Efficiency ratio | 85.5263% | 1,615 |
| Assets per employee ($millions) | 2.3305% | 6,984 |
| Cash dividends to net income (ytd only)* | 32.2581% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1319% | 723 |
| Loan loss allowance to noncurrent loans | 444.0860% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 5,972 |
| Noncurrent loans to loans | 0.7052% | 5,287 |
| Net loans and leases to total assets | 54.8123% | 4,908 |
| Net loans and leases to deposits | 77.3291% | 2,953 |
| Net loans and leases to core deposits | 87.8844% | 2,391 |
| Total domestic deposits to total assets | 70.8818% | 6,940 |
| Equity capital to assets | 19.6310% | 249 |
| Core capital (leverage) ratio | 19.3844% | 226 |
| Tier 1 risk-based capital ratio | 35.1504% | 331 |
| Total risk-based capital ratio | 36.4253% | 324 |
| Memoranda: | ||
| Average total assets | $22,014,200 | 7,162 |
| Average earning assets | $21,170,800 | 7,123 |
| Average equity | $4,503,200 | 6,594 |
| Average total loans | $11,428,800 | 7,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4148% | 1,470 |
| Cost of funding earning assets | 0.7616% | 5,383 |
| Net interest margin | 4.6532% | 841 |
| Noninterest income to average assets | 0.3504% | 5,053 |
| Noninterest expense to average assets | 2.9197% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8993% | 422 |
| Return on assets (ROA) | 1.9054% | 455 |
| Pretax return on assets | 1.9054% | 772 |
| Return on Equity (ROE) | 9.2151% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.2151% | 1,073 |
| Net charge-offs to loans | 0.3397% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.0364% | 1,850 |
| Efficiency ratio | 60.5867% | 5,622 |
| Assets per employee ($millions) | 2.1631% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2768% | 320 |
| Loan loss allowance to noncurrent loans | 433.3333% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 6,003 |
| Noncurrent loans to loans | 0.9869% | 4,917 |
| Net loans and leases to total assets | 41.6994% | 6,520 |
| Net loans and leases to deposits | 54.1287% | 6,205 |
| Net loans and leases to core deposits | 60.0573% | 5,992 |
| Total domestic deposits to total assets | 77.0376% | 6,375 |
| Equity capital to assets | 22.2366% | 165 |
| Core capital (leverage) ratio | 20.1539% | 214 |
| Tier 1 risk-based capital ratio | 51.1815% | 145 |
| Total risk-based capital ratio | 52.4767% | 142 |
| Memoranda: | ||
| Average total assets | $21,691,500 | 7,239 |
| Average earning assets | $20,831,250 | 7,203 |
| Average equity | $4,485,250 | 6,645 |
| Average total loans | $10,989,250 | 7,149 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4186% | 1,510 |
| Cost of funding earning assets | 0.7878% | 5,458 |
| Net interest margin | 4.6308% | 852 |
| Noninterest income to average assets | 0.3593% | 5,012 |
| Noninterest expense to average assets | 2.9477% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8515% | 442 |
| Return on assets (ROA) | 1.8515% | 470 |
| Pretax return on assets | 1.8515% | 786 |
| Return on Equity (ROE) | 9.1844% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.1844% | 1,051 |
| Net charge-offs to loans | 0.0869% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 742 |
| Efficiency ratio | 61.4203% | 5,668 |
| Assets per employee ($millions) | 2.1771% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3030% | 335 |
| Loan loss allowance to noncurrent loans | 165.1163% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 4,523 |
| Noncurrent loans to loans | 2.6061% | 2,768 |
| Net loans and leases to total assets | 43.5166% | 6,475 |
| Net loans and leases to deposits | 55.4100% | 6,189 |
| Net loans and leases to core deposits | 61.3085% | 5,967 |
| Total domestic deposits to total assets | 78.5357% | 6,181 |
| Equity capital to assets | 21.0418% | 210 |
| Core capital (leverage) ratio | 19.9065% | 230 |
| Tier 1 risk-based capital ratio | 45.3240% | 175 |
| Total risk-based capital ratio | 46.6157% | 174 |
| Memoranda: | ||
| Average total assets | $21,711,670 | 7,308 |
| Average earning assets | $20,817,330 | 7,277 |
| Average equity | $4,377,000 | 6,723 |
| Average total loans | $11,511,330 | 7,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 525 |
| Cost of funding earning assets | 0.8039% | 5,559 |
| Net interest margin | 5.1491% | 279 |
| Noninterest income to average assets | 0.3874% | 4,816 |
| Noninterest expense to average assets | 2.9149% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.4352% | 192 |
| Return on assets (ROA) | 2.4352% | 198 |
| Pretax return on assets | 2.4352% | 269 |
| Return on Equity (ROE) | 12.3509% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.3509% | 689 |
| Net charge-offs to loans | 0.1624% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 924 |
| Efficiency ratio | 54.4828% | 6,649 |
| Assets per employee ($millions) | 2.1723% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5250% | 592 |
| Loan loss allowance to noncurrent loans | 165.1163% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1877% | 4,575 |
| Noncurrent loans to loans | 2.1349% | 3,397 |
| Net loans and leases to total assets | 53.6712% | 5,354 |
| Net loans and leases to deposits | 69.2545% | 4,481 |
| Net loans and leases to core deposits | 76.7544% | 4,199 |
| Total domestic deposits to total assets | 77.4985% | 6,450 |
| Equity capital to assets | 20.0157% | 257 |
| Core capital (leverage) ratio | 19.2719% | 258 |
| Tier 1 risk-based capital ratio | 38.2588% | 266 |
| Total risk-based capital ratio | 39.5409% | 260 |
| Memoranda: | ||
| Average total assets | $21,682,000 | 7,366 |
| Average earning assets | $20,897,000 | 7,325 |
| Average equity | $4,275,000 | 6,786 |
| Average total loans | $12,317,000 | 7,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1325% | 649 |
| Cost of funding earning assets | 0.8105% | 6,523 |
| Net interest margin | 5.3220% | 232 |
| Noninterest income to average assets | 0.3276% | 5,441 |
| Noninterest expense to average assets | 4.2902% | 820 |
| Loan and lease loss provision to assets | 0.2244% | 5,037 |
| Net operating income to assets | 0.8661% | 2,532 |
| Return on assets (ROA) | 0.8661% | 2,668 |
| Pretax return on assets | 0.9110% | 3,241 |
| Return on Equity (ROE) | 4.3258% | 4,375 |
| Retained earnings to average equity (ytd only) | 2.3086% | 4,261 |
| Net charge-offs to loans | 0.4519% | 3,808 |
| Credit loss provision to net charge-offs | 92.5926% | 5,013 |
| Earnings coverage of net charge-offs (x) | 4.6852% | 2,845 |
| Efficiency ratio | 79.0736% | 2,529 |
| Assets per employee ($millions) | 2.1641% | 7,324 |
| Cash dividends to net income (ytd only)* | 46.6321% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4345% | 615 |
| Loan loss allowance to noncurrent loans | 163.2576% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 4,586 |
| Noncurrent loans to loans | 2.1038% | 3,433 |
| Net loans and leases to total assets | 55.9956% | 5,347 |
| Net loans and leases to deposits | 73.2427% | 4,322 |
| Net loans and leases to core deposits | 81.3289% | 4,001 |
| Total domestic deposits to total assets | 76.4521% | 6,576 |
| Equity capital to assets | 19.4168% | 294 |
| Core capital (leverage) ratio | 18.7398% | 289 |
| Tier 1 risk-based capital ratio | 36.9863% | 297 |
| Total risk-based capital ratio | 38.2666% | 290 |
| Memoranda: | ||
| Average total assets | $22,283,600 | 7,413 |
| Average earning assets | $21,345,400 | 7,368 |
| Average equity | $4,461,600 | 6,829 |
| Average total loans | $11,950,400 | 7,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4188% | 391 |
| Cost of funding earning assets | 0.8078% | 6,738 |
| Net interest margin | 5.6110% | 144 |
| Noninterest income to average assets | 0.3148% | 5,631 |
| Noninterest expense to average assets | 2.7029% | 4,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.9168% | 87 |
| Return on assets (ROA) | 2.9168% | 89 |
| Pretax return on assets | 2.9762% | 126 |
| Return on Equity (ROE) | 14.4626% | 943 |
| Retained earnings to average equity (ytd only) | 14.4626% | 241 |
| Net charge-offs to loans | 0.0452% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 125.3246% | 254 |
| Efficiency ratio | 47.5941% | 7,293 |
| Assets per employee ($millions) | 2.1347% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0826% | 341 |
| Loan loss allowance to noncurrent loans | 1,795.8333% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 7,078 |
| Noncurrent loans to loans | 0.2273% | 6,725 |
| Net loans and leases to total assets | 47.4352% | 6,567 |
| Net loans and leases to deposits | 61.5862% | 6,160 |
| Net loans and leases to core deposits | 68.4328% | 5,898 |
| Total domestic deposits to total assets | 77.0225% | 6,473 |
| Equity capital to assets | 22.3638% | 184 |
| Core capital (leverage) ratio | 20.6931% | 219 |
| Tier 1 risk-based capital ratio | 45.1413% | 177 |
| Total risk-based capital ratio | 46.4296% | 172 |
| Memoranda: | ||
| Average total assets | $22,444,250 | 7,504 |
| Average earning assets | $21,457,250 | 7,462 |
| Average equity | $4,526,500 | 6,896 |
| Average total loans | $11,800,750 | 7,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7852% | 210 |
| Cost of funding earning assets | 0.8734% | 6,676 |
| Net interest margin | 5.9117% | 104 |
| Noninterest income to average assets | 0.3858% | 5,029 |
| Noninterest expense to average assets | 2.6655% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.2705% | 62 |
| Return on assets (ROA) | 3.2705% | 68 |
| Pretax return on assets | 3.3582% | 94 |
| Return on Equity (ROE) | 16.7867% | 595 |
| Retained earnings to average equity (ytd only) | 16.7867% | 166 |
| Net charge-offs to loans | 0.0164% | 6,111 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 88 |
| Efficiency ratio | 44.2504% | 7,516 |
| Assets per employee ($millions) | 2.1133% | 7,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3994% | 276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.6269% | 6,876 |
| Net loans and leases to deposits | 57.2443% | 6,641 |
| Net loans and leases to core deposits | 63.5941% | 6,438 |
| Total domestic deposits to total assets | 77.9586% | 6,279 |
| Equity capital to assets | 21.6581% | 215 |
| Core capital (leverage) ratio | 19.4367% | 273 |
| Tier 1 risk-based capital ratio | 45.6080% | 179 |
| Total risk-based capital ratio | 46.9028% | 178 |
| Memoranda: | ||
| Average total assets | $22,810,000 | 7,559 |
| Average earning assets | $21,753,330 | 7,512 |
| Average equity | $4,444,000 | 6,956 |
| Average total loans | $12,215,330 | 7,445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5442% | 102 |
| Cost of funding earning assets | 0.8855% | 6,823 |
| Net interest margin | 6.6587% | 71 |
| Noninterest income to average assets | 0.3552% | 5,297 |
| Noninterest expense to average assets | 2.5710% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.9749% | 53 |
| Return on assets (ROA) | 3.9749% | 56 |
| Pretax return on assets | 4.1440% | 72 |
| Return on Equity (ROE) | 21.4734% | 302 |
| Retained earnings to average equity (ytd only) | 21.4734% | 165 |
| Net charge-offs to loans | 0.0299% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 138 |
| Efficiency ratio | 38.2872% | 7,768 |
| Assets per employee ($millions) | 2.3274% | 7,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2189% | 684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 56.0669% | 5,731 |
| Net loans and leases to deposits | 78.2502% | 3,995 |
| Net loans and leases to core deposits | 86.8139% | 3,785 |
| Total domestic deposits to total assets | 71.6508% | 7,296 |
| Equity capital to assets | 19.1802% | 331 |
| Core capital (leverage) ratio | 17.4021% | 417 |
| Tier 1 risk-based capital ratio | 35.6230% | 340 |
| Total risk-based capital ratio | 36.9015% | 333 |
| Memoranda: | ||
| Average total assets | $23,648,500 | 7,632 |
| Average earning assets | $22,587,000 | 7,579 |
| Average equity | $4,377,500 | 7,045 |
| Average total loans | $13,390,500 | 7,476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1985% | 69 |
| Cost of funding earning assets | 1.2070% | 6,634 |
| Net interest margin | 6.9915% | 54 |
| Noninterest income to average assets | 0.3012% | 5,942 |
| Noninterest expense to average assets | 4.9064% | 561 |
| Loan and lease loss provision to assets | 0.5456% | 3,641 |
| Net operating income to assets | 1.1950% | 1,259 |
| Return on assets (ROA) | 1.2353% | 1,218 |
| Pretax return on assets | 1.6020% | 963 |
| Return on Equity (ROE) | 6.3184% | 3,069 |
| Retained earnings to average equity (ytd only) | 3.4159% | 2,778 |
| Net charge-offs to loans | 1.0789% | 2,263 |
| Credit loss provision to net charge-offs | 99.2063% | 5,623 |
| Earnings coverage of net charge-offs (x) | 3.8095% | 3,185 |
| Efficiency ratio | 70.0748% | 4,610 |
| Assets per employee ($millions) | 2.4023% | 7,350 |
| Cash dividends to net income (ytd only)* | 45.9364% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2712% | 618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.5445% | 6,243 |
| Net loans and leases to deposits | 76.9917% | 4,566 |
| Net loans and leases to core deposits | 118.8268% | 2,053 |
| Total domestic deposits to total assets | 69.5459% | 7,457 |
| Equity capital to assets | 17.8620% | 458 |
| Core capital (leverage) ratio | 17.4208% | 442 |
| Tier 1 risk-based capital ratio | 32.8788% | 416 |
| Total risk-based capital ratio | 34.1607% | 401 |
| Memoranda: | ||
| Average total assets | $22,909,000 | 7,705 |
| Average earning assets | $21,955,200 | 7,652 |
| Average equity | $4,479,000 | 7,122 |
| Average total loans | $11,678,400 | 7,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6997% | 52 |
| Cost of funding earning assets | 1.2841% | 6,605 |
| Net interest margin | 7.4157% | 41 |
| Noninterest income to average assets | 0.3122% | 5,988 |
| Noninterest expense to average assets | 2.7514% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 4.2947% | 34 |
| Return on assets (ROA) | 4.3598% | 34 |
| Pretax return on assets | 4.7427% | 40 |
| Return on Equity (ROE) | 21.7994% | 211 |
| Retained earnings to average equity (ytd only) | 21.7994% | 42 |
| Net charge-offs to loans | 0.0118% | 6,768 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 794.9699% | 33 |
| Efficiency ratio | 37.0635% | 7,962 |
| Assets per employee ($millions) | 2.1431% | 7,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3842% | 225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 44.2676% | 7,229 |
| Net loans and leases to deposits | 58.0316% | 6,963 |
| Net loans and leases to core deposits | 89.6438% | 5,472 |
| Total domestic deposits to total assets | 76.2820% | 6,536 |
| Equity capital to assets | 22.8734% | 216 |
| Core capital (leverage) ratio | 20.6422% | 277 |
| Tier 1 risk-based capital ratio | 47.7698% | 185 |
| Total risk-based capital ratio | 49.0634% | 182 |
| Memoranda: | ||
| Average total assets | $22,630,500 | 7,781 |
| Average earning assets | $21,701,250 | 7,724 |
| Average equity | $4,526,000 | 7,170 |
| Average total loans | $11,273,500 | 7,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9881% | 52 |
| Cost of funding earning assets | 1.3228% | 6,725 |
| Net interest margin | 7.6652% | 42 |
| Noninterest income to average assets | 0.3126% | 6,010 |
| Noninterest expense to average assets | 2.7268% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 4.5418% | 28 |
| Return on assets (ROA) | 4.5418% | 31 |
| Pretax return on assets | 4.9326% | 41 |
| Return on Equity (ROE) | 23.7691% | 163 |
| Retained earnings to average equity (ytd only) | 23.7691% | 50 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6009% | 8,071 |
| Assets per employee ($millions) | 2.2932% | 7,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2850% | 207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.4690% | 7,419 |
| Net loans and leases to deposits | 57.3625% | 7,067 |
| Net loans and leases to core deposits | 86.0792% | 5,896 |
| Total domestic deposits to total assets | 74.0363% | 6,947 |
| Equity capital to assets | 20.1116% | 379 |
| Core capital (leverage) ratio | 18.8437% | 435 |
| Tier 1 risk-based capital ratio | 42.6976% | 258 |
| Total risk-based capital ratio | 43.9891% | 253 |
| Memoranda: | ||
| Average total assets | $23,030,330 | 7,850 |
| Average earning assets | $22,073,670 | 7,793 |
| Average equity | $4,400,670 | 7,275 |
| Average total loans | $11,724,000 | 7,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8081% | 43 |
| Cost of funding earning assets | 1.4089% | 6,698 |
| Net interest margin | 8.3992% | 39 |
| Noninterest income to average assets | 0.3466% | 5,674 |
| Noninterest expense to average assets | 2.8250% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 5.1833% | 25 |
| Return on assets (ROA) | 5.1994% | 29 |
| Pretax return on assets | 5.5980% | 35 |
| Return on Equity (ROE) | 27.9395% | 129 |
| Retained earnings to average equity (ytd only) | 27.9395% | 62 |
| Net charge-offs to loans | 0.0320% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 125 |
| Efficiency ratio | 33.6082% | 8,126 |
| Assets per employee ($millions) | 2.3106% | 7,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4931% | 323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.0125% | 6,680 |
| Net loans and leases to deposits | 70.6941% | 5,904 |
| Net loans and leases to core deposits | 106.0069% | 3,915 |
| Total domestic deposits to total assets | 73.5740% | 6,953 |
| Equity capital to assets | 19.1552% | 471 |
| Core capital (leverage) ratio | 17.3059% | 622 |
| Tier 1 risk-based capital ratio | 34.5759% | 455 |
| Total risk-based capital ratio | 35.8516% | 439 |
| Memoranda: | ||
| Average total assets | $23,079,500 | 7,900 |
| Average earning assets | $22,145,000 | 7,839 |
| Average equity | $4,295,000 | 7,353 |
| Average total loans | $12,498,500 | 7,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8596% | 76 |
| Cost of funding earning assets | 2.1101% | 6,006 |
| Net interest margin | 6.7495% | 65 |
| Noninterest income to average assets | 0.4557% | 5,000 |
| Noninterest expense to average assets | 5.1441% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3025% | 1,477 |
| Return on assets (ROA) | 1.2778% | 1,499 |
| Pretax return on assets | 1.7100% | 1,122 |
| Return on Equity (ROE) | 6.5243% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.4061% | 3,023 |
| Net charge-offs to loans | 0.0270% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 123.6667% | 365 |
| Efficiency ratio | 74.6930% | 3,460 |
| Assets per employee ($millions) | 2.3053% | 7,551 |
| Cash dividends to net income (ytd only)* | 47.7941% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4758% | 281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.5224% | 6,801 |
| Net loans and leases to deposits | 73.6407% | 5,886 |
| Net loans and leases to core deposits | 113.7756% | 3,365 |
| Total domestic deposits to total assets | 71.3226% | 7,119 |
| Equity capital to assets | 18.0627% | 643 |
| Core capital (leverage) ratio | 17.0578% | 693 |
| Tier 1 risk-based capital ratio | 29.8874% | 649 |
| Total risk-based capital ratio | 31.1603% | 627 |
| Memoranda: | ||
| Average total assets | $21,286,400 | 7,977 |
| Average earning assets | $20,283,000 | 7,923 |
| Average equity | $4,169,000 | 7,442 |
| Average total loans | $11,100,200 | 7,887 |