Home > First State Bank of Bigfork > Performance and Condition Ratios
First State Bank of Bigfork, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 1,272 |
| Cost of funding earning assets | 1.2334% | 2,716 |
| Net interest margin | 4.1882% | 953 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.7803% | 1,552 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8349% | 2,761 |
| Return on assets (ROA) | 0.8349% | 2,741 |
| Pretax return on assets | 1.2924% | 1,886 |
| Return on Equity (ROE) | 7.8700% | 3,061 |
| Retained earnings to average equity (ytd only) | 6.7336% | 1,977 |
| Net charge-offs to loans | 0.1272% | 771 |
| Credit loss provision to net charge-offs | 124.4898% | 1,638 |
| Earnings coverage of net charge-offs (x) | 14.8776% | 2,065 |
| Efficiency ratio | 66.3435% | 2,305 |
| Assets per employee ($millions) | 5.4359% | 3,304 |
| Cash dividends to net income (ytd only)* | 14.4844% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 2,689 |
| Loan loss allowance to noncurrent loans | 23.2695% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 3.9949% | 39 |
| Noncurrent loans to loans | 4.8373% | 55 |
| Net loans and leases to total assets | 77.4800% | 919 |
| Net loans and leases to deposits | 91.2609% | 1,163 |
| Net loans and leases to core deposits | 97.6951% | 1,556 |
| Total domestic deposits to total assets | 84.9000% | 2,340 |
| Equity capital to assets | 10.9767% | 1,491 |
| Core capital (leverage) ratio | 11.3147% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $103,370,200 | 3,801 |
| Average earning assets | $97,775,400 | 3,767 |
| Average equity | $10,960,000 | 3,616 |
| Average total loans | $77,044,400 | 3,456 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 1,197 |
| Cost of funding earning assets | 1.0242% | 2,965 |
| Net interest margin | 4.3356% | 764 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.6681% | 1,744 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0987% | 2,062 |
| Return on assets (ROA) | 1.0987% | 2,045 |
| Pretax return on assets | 1.5629% | 1,430 |
| Return on Equity (ROE) | 10.4500% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.9208% | 1,708 |
| Net charge-offs to loans | 0.1612% | 527 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 14.1739% | 2,007 |
| Efficiency ratio | 61.3401% | 2,801 |
| Assets per employee ($millions) | 5.4364% | 3,235 |
| Cash dividends to net income (ytd only)* | 14.6714% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,765 |
| Loan loss allowance to noncurrent loans | 23.6155% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 3.8696% | 41 |
| Noncurrent loans to loans | 4.7407% | 57 |
| Net loans and leases to total assets | 75.8400% | 1,143 |
| Net loans and leases to deposits | 89.2460% | 1,291 |
| Net loans and leases to core deposits | 95.4761% | 1,585 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 10.8306% | 1,416 |
| Core capital (leverage) ratio | 11.3048% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $103,392,250 | 3,812 |
| Average earning assets | $97,761,500 | 3,780 |
| Average equity | $10,865,750 | 3,630 |
| Average total loans | $76,072,000 | 3,473 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 1,137 |
| Cost of funding earning assets | 0.9553% | 2,752 |
| Net interest margin | 4.3021% | 803 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.6260% | 1,860 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.0984% | 2,133 |
| Return on assets (ROA) | 1.0984% | 2,126 |
| Pretax return on assets | 1.5857% | 1,435 |
| Return on Equity (ROE) | 10.5600% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.5589% | 1,268 |
| Net charge-offs to loans | 0.2106% | 384 |
| Credit loss provision to net charge-offs | 77.2152% | 1,564 |
| Earnings coverage of net charge-offs (x) | 11.1519% | 1,976 |
| Efficiency ratio | 60.6521% | 2,875 |
| Assets per employee ($millions) | 5.4249% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,824 |
| Loan loss allowance to noncurrent loans | 21.6654% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 3.9894% | 39 |
| Noncurrent loans to loans | 5.1887% | 44 |
| Net loans and leases to total assets | 74.1600% | 1,269 |
| Net loans and leases to deposits | 87.2494% | 1,407 |
| Net loans and leases to core deposits | 92.3763% | 1,659 |
| Total domestic deposits to total assets | 84.9900% | 2,544 |
| Equity capital to assets | 10.7070% | 1,507 |
| Core capital (leverage) ratio | 11.0271% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $103,426,000 | 3,828 |
| Average earning assets | $97,767,333 | 3,798 |
| Average equity | $10,758,667 | 3,655 |
| Average total loans | $75,020,000 | 3,490 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 987 |
| Cost of funding earning assets | 0.8597% | 2,510 |
| Net interest margin | 4.3146% | 781 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.6563% | 1,785 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.1853% | 1,972 |
| Return on assets (ROA) | 1.1853% | 1,937 |
| Pretax return on assets | 1.6023% | 1,455 |
| Return on Equity (ROE) | 11.5600% | 2,335 |
| Retained earnings to average equity (ytd only) | 11.5631% | 1,348 |
| Net charge-offs to loans | 0.2599% | 293 |
| Credit loss provision to net charge-offs | 64.5833% | 1,265 |
| Earnings coverage of net charge-offs (x) | 9.2917% | 1,693 |
| Efficiency ratio | 60.6702% | 2,864 |
| Assets per employee ($millions) | 5.6134% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,659 |
| Loan loss allowance to noncurrent loans | 25.1227% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 3.3426% | 38 |
| Noncurrent loans to loans | 4.7007% | 66 |
| Net loans and leases to total assets | 68.2600% | 1,806 |
| Net loans and leases to deposits | 79.8316% | 1,829 |
| Net loans and leases to core deposits | 84.3090% | 1,968 |
| Total domestic deposits to total assets | 85.5000% | 2,725 |
| Equity capital to assets | 10.1384% | 1,750 |
| Core capital (leverage) ratio | 10.8909% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $103,602,500 | 3,874 |
| Average earning assets | $98,177,500 | 3,841 |
| Average equity | $10,620,000 | 3,711 |
| Average total loans | $73,878,500 | 3,543 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 773 |
| Cost of funding earning assets | 0.5684% | 1,026 |
| Net interest margin | 3.8958% | 960 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.7520% | 1,433 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.8433% | 3,181 |
| Return on assets (ROA) | 0.8433% | 3,111 |
| Pretax return on assets | 1.0824% | 2,829 |
| Return on Equity (ROE) | 8.3200% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.0842% | 2,205 |
| Net charge-offs to loans | 0.1058% | 704 |
| Credit loss provision to net charge-offs | 164.8649% | 1,235 |
| Earnings coverage of net charge-offs (x) | 16.2703% | 1,983 |
| Efficiency ratio | 69.5575% | 1,752 |
| Assets per employee ($millions) | 5.0276% | 3,657 |
| Cash dividends to net income (ytd only)* | 14.8280% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,399 |
| Loan loss allowance to noncurrent loans | 26.5489% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 3.4241% | 33 |
| Noncurrent loans to loans | 4.5096% | 69 |
| Net loans and leases to total assets | 72.8000% | 1,331 |
| Net loans and leases to deposits | 85.6912% | 1,336 |
| Net loans and leases to core deposits | 91.1355% | 1,447 |
| Total domestic deposits to total assets | 84.9500% | 3,002 |
| Equity capital to assets | 10.3699% | 1,524 |
| Core capital (leverage) ratio | 10.8812% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $99,965,200 | 3,929 |
| Average earning assets | $94,998,600 | 3,886 |
| Average equity | $10,135,200 | 3,855 |
| Average total loans | $69,922,200 | 3,579 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 753 |
| Cost of funding earning assets | 0.4889% | 794 |
| Net interest margin | 3.8016% | 952 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.6835% | 1,507 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.8068% | 3,234 |
| Return on assets (ROA) | 0.8068% | 3,193 |
| Pretax return on assets | 1.0726% | 2,804 |
| Return on Equity (ROE) | 8.0000% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.3470% | 2,619 |
| Net charge-offs to loans | -0.1084% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1804% | 1,867 |
| Assets per employee ($millions) | 5.0297% | 3,648 |
| Cash dividends to net income (ytd only)* | 20.6954% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 1,701 |
| Loan loss allowance to noncurrent loans | 26.7281% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 3.7975% | 27 |
| Noncurrent loans to loans | 5.1373% | 57 |
| Net loans and leases to total assets | 70.4000% | 1,448 |
| Net loans and leases to deposits | 82.7573% | 1,379 |
| Net loans and leases to core deposits | 87.4324% | 1,443 |
| Total domestic deposits to total assets | 85.0700% | 3,264 |
| Equity capital to assets | 10.0653% | 1,582 |
| Core capital (leverage) ratio | 10.7206% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7449% | 889 |
| Memoranda: | ||
| Average total assets | $99,818,750 | 3,956 |
| Average earning assets | $94,905,500 | 3,913 |
| Average equity | $10,062,250 | 3,911 |
| Average total loans | $68,881,000 | 3,609 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 850 |
| Cost of funding earning assets | 0.4794% | 590 |
| Net interest margin | 3.5757% | 1,115 |
| Noninterest income to average assets | 0.2531% | 3,653 |
| Noninterest expense to average assets | 2.6557% | 1,494 |
| Loan and lease loss provision to assets | 0.1225% | 808 |
| Net operating income to assets | 0.6067% | 3,611 |
| Return on assets (ROA) | 0.6067% | 3,557 |
| Pretax return on assets | 0.8758% | 3,133 |
| Return on Equity (ROE) | 6.0151% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.5254% | 3,265 |
| Net charge-offs to loans | 0.0029% | 1,966 |
| Credit loss provision to net charge-offs | 6,100.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 497.0000% | 261 |
| Efficiency ratio | 72.6773% | 1,667 |
| Assets per employee ($millions) | 4.7251% | 3,909 |
| Cash dividends to net income (ytd only)* | 41.3907% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,213 |
| Loan loss allowance to noncurrent loans | 23.9797% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 3.9102% | 28 |
| Noncurrent loans to loans | 5.4012% | 51 |
| Net loans and leases to total assets | 69.0457% | 1,392 |
| Net loans and leases to deposits | 81.3546% | 1,287 |
| Net loans and leases to core deposits | 85.5587% | 1,371 |
| Total domestic deposits to total assets | 84.8700% | 3,508 |
| Equity capital to assets | 10.0829% | 1,670 |
| Core capital (leverage) ratio | 9.3511% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1111% | 1,160 |
| Memoranda: | ||
| Average total assets | $99,560,667 | 3,993 |
| Average earning assets | $94,694,000 | 3,963 |
| Average equity | $10,041,333 | 3,982 |
| Average total loans | $67,905,333 | 3,658 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 930 |
| Cost of funding earning assets | 0.4718% | 577 |
| Net interest margin | 3.4250% | 1,247 |
| Noninterest income to average assets | 0.2527% | 3,631 |
| Noninterest expense to average assets | 2.5911% | 1,637 |
| Loan and lease loss provision to assets | 0.1243% | 669 |
| Net operating income to assets | 0.5174% | 3,663 |
| Return on assets (ROA) | 0.5174% | 3,631 |
| Pretax return on assets | 0.7982% | 3,115 |
| Return on Equity (ROE) | 5.1295% | 3,589 |
| Retained earnings to average equity (ytd only) | 0.1591% | 3,985 |
| Net charge-offs to loans | -0.1132% | 4,489 |
| Credit loss provision to net charge-offs | -163.1579% | 2,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7443% | 1,774 |
| Assets per employee ($millions) | 4.8193% | 3,904 |
| Cash dividends to net income (ytd only)* | 96.8992% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,192 |
| Loan loss allowance to noncurrent loans | 23.4317% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.8782% | 39 |
| Noncurrent loans to loans | 5.7021% | 51 |
| Net loans and leases to total assets | 64.8657% | 1,517 |
| Net loans and leases to deposits | 76.2648% | 1,422 |
| Net loans and leases to core deposits | 80.1035% | 1,469 |
| Total domestic deposits to total assets | 85.0533% | 3,531 |
| Equity capital to assets | 9.8304% | 2,026 |
| Core capital (leverage) ratio | 9.6057% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8427% | 1,070 |
| Memoranda: | ||
| Average total assets | $99,727,500 | 4,007 |
| Average earning assets | $94,950,000 | 3,976 |
| Average equity | $10,059,500 | 4,047 |
| Average total loans | $67,152,500 | 3,677 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 338 |
| Cost of funding earning assets | 0.5222% | 831 |
| Net interest margin | 4.3217% | 384 |
| Noninterest income to average assets | 0.4172% | 2,965 |
| Noninterest expense to average assets | 3.0334% | 935 |
| Loan and lease loss provision to assets | 0.1309% | 937 |
| Net operating income to assets | 0.9739% | 2,778 |
| Return on assets (ROA) | 0.9739% | 2,840 |
| Pretax return on assets | 1.3666% | 2,156 |
| Return on Equity (ROE) | 9.1347% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.1363% | 1,486 |
| Net charge-offs to loans | 0.1402% | 666 |
| Credit loss provision to net charge-offs | 124.2424% | 1,627 |
| Earnings coverage of net charge-offs (x) | 14.2121% | 2,041 |
| Efficiency ratio | 66.9486% | 2,132 |
| Assets per employee ($millions) | 4.4659% | 4,141 |
| Cash dividends to net income (ytd only)* | 10.9290% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,688 |
| Loan loss allowance to noncurrent loans | 23.0115% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 3.8443% | 47 |
| Noncurrent loans to loans | 5.3801% | 64 |
| Net loans and leases to total assets | 68.1218% | 1,249 |
| Net loans and leases to deposits | 80.8107% | 1,150 |
| Net loans and leases to core deposits | 84.7653% | 1,280 |
| Total domestic deposits to total assets | 84.2981% | 3,475 |
| Equity capital to assets | 10.3513% | 2,321 |
| Core capital (leverage) ratio | 10.3697% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7643% | 1,105 |
| Memoranda: | ||
| Average total assets | $93,953,000 | 4,059 |
| Average earning assets | $89,432,600 | 4,031 |
| Average equity | $10,016,800 | 4,127 |
| Average total loans | $70,616,400 | 3,635 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 252 |
| Cost of funding earning assets | 0.5312% | 907 |
| Net interest margin | 4.5757% | 278 |
| Noninterest income to average assets | 0.5110% | 2,576 |
| Noninterest expense to average assets | 2.8337% | 1,262 |
| Loan and lease loss provision to assets | 0.1324% | 867 |
| Net operating income to assets | 1.5662% | 1,112 |
| Return on assets (ROA) | 1.5662% | 1,159 |
| Pretax return on assets | 1.8978% | 952 |
| Return on Equity (ROE) | 14.5776% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.2415% | 604 |
| Net charge-offs to loans | -0.0505% | 4,359 |
| Credit loss provision to net charge-offs | -340.7407% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2645% | 3,224 |
| Assets per employee ($millions) | 4.5839% | 4,059 |
| Cash dividends to net income (ytd only)* | 9.1659% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,229 |
| Loan loss allowance to noncurrent loans | 24.6894% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 4.0982% | 44 |
| Noncurrent loans to loans | 5.4645% | 65 |
| Net loans and leases to total assets | 70.9470% | 998 |
| Net loans and leases to deposits | 84.8659% | 900 |
| Net loans and leases to core deposits | 88.4765% | 1,125 |
| Total domestic deposits to total assets | 83.5989% | 3,562 |
| Equity capital to assets | 10.7851% | 2,181 |
| Core capital (leverage) ratio | 10.8709% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,879,000 | 4,121 |
| Average earning assets | $88,348,750 | 4,089 |
| Average equity | $9,978,500 | 4,191 |
| Average total loans | $71,328,500 | 3,679 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 168 |
| Cost of funding earning assets | 0.5416% | 980 |
| Net interest margin | 4.9732% | 172 |
| Noninterest income to average assets | 0.6038% | 2,202 |
| Noninterest expense to average assets | 2.9340% | 1,095 |
| Loan and lease loss provision to assets | 0.1330% | 929 |
| Net operating income to assets | 1.9291% | 556 |
| Return on assets (ROA) | 1.9291% | 579 |
| Pretax return on assets | 2.2605% | 514 |
| Return on Equity (ROE) | 17.9805% | 657 |
| Retained earnings to average equity (ytd only) | 15.9488% | 341 |
| Net charge-offs to loans | -0.1749% | 4,770 |
| Credit loss provision to net charge-offs | -96.8254% | 3,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0736% | 3,665 |
| Assets per employee ($millions) | 4.7106% | 3,918 |
| Cash dividends to net income (ytd only)* | 11.2994% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,379 |
| Loan loss allowance to noncurrent loans | 21.7563% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 4.7532% | 39 |
| Noncurrent loans to loans | 6.0319% | 59 |
| Net loans and leases to total assets | 74.9530% | 681 |
| Net loans and leases to deposits | 89.9690% | 657 |
| Net loans and leases to core deposits | 93.5124% | 927 |
| Total domestic deposits to total assets | 83.3098% | 3,635 |
| Equity capital to assets | 10.8395% | 2,115 |
| Core capital (leverage) ratio | 10.9380% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,751,333 | 4,155 |
| Average earning assets | $87,147,667 | 4,125 |
| Average equity | $9,844,000 | 4,219 |
| Average total loans | $72,028,333 | 3,689 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5825% | 180 |
| Cost of funding earning assets | 0.5480% | 1,113 |
| Net interest margin | 5.0345% | 175 |
| Noninterest income to average assets | 0.9103% | 1,301 |
| Noninterest expense to average assets | 2.9429% | 1,081 |
| Loan and lease loss provision to assets | 0.1370% | 983 |
| Net operating income to assets | 2.4171% | 303 |
| Return on assets (ROA) | 2.4171% | 329 |
| Pretax return on assets | 2.6204% | 368 |
| Return on Equity (ROE) | 22.6501% | 357 |
| Retained earnings to average equity (ytd only) | 18.5093% | 339 |
| Net charge-offs to loans | 0.0221% | 1,293 |
| Credit loss provision to net charge-offs | 775.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 473 |
| Efficiency ratio | 51.6279% | 4,036 |
| Assets per employee ($millions) | 4.2065% | 4,340 |
| Cash dividends to net income (ytd only)* | 18.2815% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,069 |
| Loan loss allowance to noncurrent loans | 18.5626% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 5.0766% | 36 |
| Noncurrent loans to loans | 6.3257% | 54 |
| Net loans and leases to total assets | 76.5760% | 582 |
| Net loans and leases to deposits | 92.0767% | 591 |
| Net loans and leases to core deposits | 95.1604% | 923 |
| Total domestic deposits to total assets | 83.1655% | 3,649 |
| Equity capital to assets | 10.6784% | 2,108 |
| Core capital (leverage) ratio | 10.8821% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,521,500 | 4,179 |
| Average earning assets | $86,126,000 | 4,143 |
| Average equity | $9,660,000 | 4,251 |
| Average total loans | $72,266,000 | 3,698 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 509 |
| Cost of funding earning assets | 0.7384% | 1,515 |
| Net interest margin | 4.2411% | 575 |
| Noninterest income to average assets | 0.2548% | 3,958 |
| Noninterest expense to average assets | 3.0268% | 1,382 |
| Loan and lease loss provision to assets | 0.1400% | 2,608 |
| Net operating income to assets | 0.7702% | 3,201 |
| Return on assets (ROA) | 0.7702% | 3,323 |
| Pretax return on assets | 1.1030% | 2,682 |
| Return on Equity (ROE) | 7.3575% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.2610% | 1,677 |
| Net charge-offs to loans | 0.1513% | 1,076 |
| Credit loss provision to net charge-offs | 112.9630% | 2,702 |
| Earnings coverage of net charge-offs (x) | 10.0278% | 2,490 |
| Efficiency ratio | 70.8871% | 1,826 |
| Assets per employee ($millions) | 4.0228% | 4,358 |
| Cash dividends to net income (ytd only)* | 14.9031% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,373 |
| Loan loss allowance to noncurrent loans | 27.7117% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 3.5062% | 82 |
| Noncurrent loans to loans | 4.0384% | 136 |
| Net loans and leases to total assets | 81.3663% | 334 |
| Net loans and leases to deposits | 98.1932% | 455 |
| Net loans and leases to core deposits | 102.7261% | 779 |
| Total domestic deposits to total assets | 82.8635% | 3,450 |
| Equity capital to assets | 10.6643% | 2,551 |
| Core capital (leverage) ratio | 10.3964% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,122,600 | 4,158 |
| Average earning assets | $82,478,400 | 4,126 |
| Average equity | $9,120,000 | 4,299 |
| Average total loans | $71,383,000 | 3,702 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 694 |
| Cost of funding earning assets | 0.7714% | 1,626 |
| Net interest margin | 4.1573% | 797 |
| Noninterest income to average assets | 0.2889% | 3,755 |
| Noninterest expense to average assets | 2.9577% | 1,539 |
| Loan and lease loss provision to assets | 0.1417% | 2,602 |
| Net operating income to assets | 0.7713% | 3,207 |
| Return on assets (ROA) | 0.7713% | 3,318 |
| Pretax return on assets | 1.1231% | 2,669 |
| Return on Equity (ROE) | 7.4035% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.9287% | 2,131 |
| Net charge-offs to loans | 0.0526% | 1,853 |
| Credit loss provision to net charge-offs | 328.5714% | 1,671 |
| Earnings coverage of net charge-offs (x) | 29.3929% | 1,604 |
| Efficiency ratio | 70.0509% | 1,883 |
| Assets per employee ($millions) | 4.0964% | 4,241 |
| Cash dividends to net income (ytd only)* | 19.9203% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,692 |
| Loan loss allowance to noncurrent loans | 22.8172% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 4.6826% | 61 |
| Noncurrent loans to loans | 5.2368% | 96 |
| Net loans and leases to total assets | 79.3677% | 672 |
| Net loans and leases to deposits | 95.4406% | 802 |
| Net loans and leases to core deposits | 104.1089% | 918 |
| Total domestic deposits to total assets | 83.1593% | 3,101 |
| Equity capital to assets | 10.2862% | 2,977 |
| Core capital (leverage) ratio | 10.2484% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,778,000 | 4,163 |
| Average earning assets | $82,103,250 | 4,133 |
| Average equity | $9,040,500 | 4,317 |
| Average total loans | $71,022,500 | 3,728 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 700 |
| Cost of funding earning assets | 0.8076% | 1,789 |
| Net interest margin | 4.2828% | 783 |
| Noninterest income to average assets | 0.2965% | 3,694 |
| Noninterest expense to average assets | 3.1052% | 1,343 |
| Loan and lease loss provision to assets | 0.1424% | 2,591 |
| Net operating income to assets | 0.7424% | 3,236 |
| Return on assets (ROA) | 0.7424% | 3,358 |
| Pretax return on assets | 1.0973% | 2,715 |
| Return on Equity (ROE) | 7.0950% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.8639% | 2,540 |
| Net charge-offs to loans | 0.0170% | 2,384 |
| Credit loss provision to net charge-offs | 1,016.6667% | 782 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 758 |
| Efficiency ratio | 71.4670% | 1,768 |
| Assets per employee ($millions) | 4.1103% | 4,195 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,571 |
| Loan loss allowance to noncurrent loans | 26.5015% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 4.0464% | 88 |
| Noncurrent loans to loans | 4.4917% | 136 |
| Net loans and leases to total assets | 78.5781% | 778 |
| Net loans and leases to deposits | 95.9334% | 798 |
| Net loans and leases to core deposits | 105.2729% | 928 |
| Total domestic deposits to total assets | 81.9090% | 3,396 |
| Equity capital to assets | 10.0502% | 3,160 |
| Core capital (leverage) ratio | 10.2417% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,663,667 | 4,186 |
| Average earning assets | $80,976,000 | 4,152 |
| Average equity | $8,964,000 | 4,342 |
| Average total loans | $70,566,000 | 3,743 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 661 |
| Cost of funding earning assets | 0.8305% | 2,222 |
| Net interest margin | 4.3664% | 668 |
| Noninterest income to average assets | 0.3122% | 3,642 |
| Noninterest expense to average assets | 3.0739% | 1,707 |
| Loan and lease loss provision to assets | 0.1489% | 1,903 |
| Net operating income to assets | 0.8549% | 2,683 |
| Return on assets (ROA) | 0.8549% | 2,781 |
| Pretax return on assets | 1.2055% | 2,175 |
| Return on Equity (ROE) | 7.9982% | 2,520 |
| Retained earnings to average equity (ytd only) | 3.5048% | 2,885 |
| Net charge-offs to loans | -0.0401% | 4,566 |
| Credit loss provision to net charge-offs | -442.8571% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4143% | 2,446 |
| Assets per employee ($millions) | 4.0456% | 3,862 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,687 |
| Loan loss allowance to noncurrent loans | 23.1704% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 4.7671% | 70 |
| Noncurrent loans to loans | 5.1661% | 118 |
| Net loans and leases to total assets | 81.5144% | 501 |
| Net loans and leases to deposits | 102.4635% | 432 |
| Net loans and leases to core deposits | 111.5455% | 776 |
| Total domestic deposits to total assets | 79.5546% | 3,940 |
| Equity capital to assets | 10.5276% | 3,292 |
| Core capital (leverage) ratio | 10.8893% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3075% | 1,811 |
| Memoranda: | ||
| Average total assets | $83,282,500 | 4,221 |
| Average earning assets | $78,509,000 | 4,197 |
| Average equity | $8,902,000 | 4,378 |
| Average total loans | $69,893,500 | 3,764 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 1,011 |
| Cost of funding earning assets | 0.8556% | 2,400 |
| Net interest margin | 4.3377% | 1,007 |
| Noninterest income to average assets | 0.3481% | 3,618 |
| Noninterest expense to average assets | 3.1468% | 1,652 |
| Loan and lease loss provision to assets | 0.1223% | 1,730 |
| Net operating income to assets | 0.8482% | 3,395 |
| Return on assets (ROA) | 0.8472% | 3,485 |
| Pretax return on assets | 1.1392% | 3,043 |
| Return on Equity (ROE) | 7.8948% | 3,209 |
| Retained earnings to average equity (ytd only) | 6.7321% | 1,512 |
| Net charge-offs to loans | 0.2221% | 920 |
| Credit loss provision to net charge-offs | 65.7718% | 2,969 |
| Earnings coverage of net charge-offs (x) | 6.7919% | 2,935 |
| Efficiency ratio | 71.3639% | 1,965 |
| Assets per employee ($millions) | 4.0804% | 3,808 |
| Cash dividends to net income (ytd only)* | 14.7275% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,690 |
| Loan loss allowance to noncurrent loans | 26.3037% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 4.2619% | 84 |
| Noncurrent loans to loans | 4.3748% | 137 |
| Net loans and leases to total assets | 84.4205% | 289 |
| Net loans and leases to deposits | 103.2693% | 410 |
| Net loans and leases to core deposits | 111.6327% | 768 |
| Total domestic deposits to total assets | 81.7479% | 3,576 |
| Equity capital to assets | 10.8569% | 3,132 |
| Core capital (leverage) ratio | 10.8577% | 2,630 |
| Tier 1 risk-based capital ratio | 13.8721% | 3,330 |
| Total risk-based capital ratio | 15.1216% | 3,238 |
| Memoranda: | ||
| Average total assets | $80,144,600 | 4,282 |
| Average earning assets | $75,039,200 | 4,269 |
| Average equity | $8,600,600 | 4,433 |
| Average total loans | $67,097,600 | 3,833 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 1,088 |
| Cost of funding earning assets | 0.8199% | 2,615 |
| Net interest margin | 4.3567% | 1,041 |
| Noninterest income to average assets | 0.3459% | 3,657 |
| Noninterest expense to average assets | 2.9247% | 2,182 |
| Loan and lease loss provision to assets | 0.1237% | 1,577 |
| Net operating income to assets | 1.1060% | 2,548 |
| Return on assets (ROA) | 1.1047% | 2,643 |
| Pretax return on assets | 1.3721% | 2,416 |
| Return on Equity (ROE) | 10.3249% | 2,284 |
| Retained earnings to average equity (ytd only) | 8.7629% | 1,114 |
| Net charge-offs to loans | 0.0100% | 3,011 |
| Credit loss provision to net charge-offs | 1,480.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 179.1064% | 474 |
| Efficiency ratio | 66.1376% | 2,707 |
| Assets per employee ($millions) | 4.0305% | 3,859 |
| Cash dividends to net income (ytd only)* | 15.1286% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 1,835 |
| Loan loss allowance to noncurrent loans | 27.5501% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 4.7277% | 85 |
| Noncurrent loans to loans | 4.8332% | 110 |
| Net loans and leases to total assets | 84.6620% | 279 |
| Net loans and leases to deposits | 104.6814% | 374 |
| Net loans and leases to core deposits | 112.7083% | 808 |
| Total domestic deposits to total assets | 80.8758% | 3,794 |
| Equity capital to assets | 10.9713% | 3,116 |
| Core capital (leverage) ratio | 11.0809% | 2,575 |
| Tier 1 risk-based capital ratio | 14.5164% | 3,070 |
| Total risk-based capital ratio | 15.7705% | 2,993 |
| Memoranda: | ||
| Average total assets | $79,779,000 | 4,344 |
| Average earning assets | $74,642,500 | 4,330 |
| Average equity | $8,535,750 | 4,492 |
| Average total loans | $66,448,250 | 3,887 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 1,125 |
| Cost of funding earning assets | 0.8299% | 2,500 |
| Net interest margin | 4.3112% | 1,118 |
| Noninterest income to average assets | 0.3446% | 3,629 |
| Noninterest expense to average assets | 2.9584% | 2,114 |
| Loan and lease loss provision to assets | 0.1233% | 1,516 |
| Net operating income to assets | 1.0696% | 2,653 |
| Return on assets (ROA) | 1.0717% | 2,705 |
| Pretax return on assets | 1.2905% | 2,592 |
| Return on Equity (ROE) | 10.1032% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.7315% | 1,507 |
| Net charge-offs to loans | -0.0336% | 4,719 |
| Credit loss provision to net charge-offs | -445.4545% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7029% | 2,586 |
| Assets per employee ($millions) | 3.9444% | 3,946 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,753 |
| Loan loss allowance to noncurrent loans | 32.4094% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 4.2579% | 101 |
| Noncurrent loans to loans | 4.2202% | 161 |
| Net loans and leases to total assets | 83.3688% | 425 |
| Net loans and leases to deposits | 101.9137% | 546 |
| Net loans and leases to core deposits | 113.9254% | 780 |
| Total domestic deposits to total assets | 81.8033% | 3,575 |
| Equity capital to assets | 10.9104% | 3,168 |
| Core capital (leverage) ratio | 10.8074% | 2,779 |
| Tier 1 risk-based capital ratio | 14.4750% | 3,078 |
| Total risk-based capital ratio | 15.7280% | 2,997 |
| Memoranda: | ||
| Average total assets | $79,502,000 | 4,381 |
| Average earning assets | $74,226,000 | 4,370 |
| Average equity | $8,433,000 | 4,527 |
| Average total loans | $65,542,000 | 3,937 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 1,382 |
| Cost of funding earning assets | 0.8042% | 2,515 |
| Net interest margin | 4.1763% | 1,357 |
| Noninterest income to average assets | 0.3258% | 3,678 |
| Noninterest expense to average assets | 2.9821% | 2,045 |
| Loan and lease loss provision to assets | 0.1253% | 1,401 |
| Net operating income to assets | 0.7708% | 3,709 |
| Return on assets (ROA) | 0.7668% | 3,767 |
| Pretax return on assets | 1.1177% | 3,098 |
| Return on Equity (ROE) | 7.3329% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.3329% | 1,911 |
| Net charge-offs to loans | 0.0185% | 2,098 |
| Credit loss provision to net charge-offs | 833.3333% | 432 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 748 |
| Efficiency ratio | 70.4976% | 2,266 |
| Assets per employee ($millions) | 4.0537% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,857 |
| Loan loss allowance to noncurrent loans | 26.4225% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 4.7475% | 72 |
| Noncurrent loans to loans | 5.1190% | 105 |
| Net loans and leases to total assets | 78.5344% | 1,071 |
| Net loans and leases to deposits | 94.4085% | 1,123 |
| Net loans and leases to core deposits | 104.9949% | 1,247 |
| Total domestic deposits to total assets | 83.1857% | 3,316 |
| Equity capital to assets | 10.3942% | 3,424 |
| Core capital (leverage) ratio | 10.5917% | 2,951 |
| Tier 1 risk-based capital ratio | 15.8010% | 2,527 |
| Total risk-based capital ratio | 17.0554% | 2,458 |
| Memoranda: | ||
| Average total assets | $79,809,000 | 4,417 |
| Average earning assets | $74,611,500 | 4,402 |
| Average equity | $8,346,000 | 4,566 |
| Average total loans | $64,973,000 | 3,989 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,358 |
| Cost of funding earning assets | 0.6394% | 2,465 |
| Net interest margin | 4.2337% | 1,314 |
| Noninterest income to average assets | 0.3566% | 3,709 |
| Noninterest expense to average assets | 3.0868% | 1,837 |
| Loan and lease loss provision to assets | 0.1223% | 1,804 |
| Net operating income to assets | 0.8107% | 3,762 |
| Return on assets (ROA) | 0.8107% | 3,765 |
| Pretax return on assets | 1.1283% | 3,177 |
| Return on Equity (ROE) | 7.8000% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.5480% | 1,897 |
| Net charge-offs to loans | -0.0564% | 5,011 |
| Credit loss provision to net charge-offs | -268.5714% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1671% | 2,021 |
| Assets per employee ($millions) | 3.9272% | 3,999 |
| Cash dividends to net income (ytd only)* | 16.0514% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,027 |
| Loan loss allowance to noncurrent loans | 29.7798% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 4.3110% | 94 |
| Noncurrent loans to loans | 4.3745% | 150 |
| Net loans and leases to total assets | 82.1832% | 624 |
| Net loans and leases to deposits | 99.2909% | 796 |
| Net loans and leases to core deposits | 110.8821% | 950 |
| Total domestic deposits to total assets | 82.7702% | 3,403 |
| Equity capital to assets | 10.5228% | 3,158 |
| Core capital (leverage) ratio | 10.6587% | 2,881 |
| Tier 1 risk-based capital ratio | 15.3163% | 2,693 |
| Total risk-based capital ratio | 16.5709% | 2,617 |
| Memoranda: | ||
| Average total assets | $76,843,200 | 4,488 |
| Average earning assets | $72,254,000 | 4,453 |
| Average equity | $7,987,200 | 4,608 |
| Average total loans | $62,034,400 | 4,048 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 1,449 |
| Cost of funding earning assets | 0.6033% | 2,451 |
| Net interest margin | 4.1878% | 1,391 |
| Noninterest income to average assets | 0.3681% | 3,665 |
| Noninterest expense to average assets | 2.9643% | 2,127 |
| Loan and lease loss provision to assets | 0.1117% | 1,813 |
| Net operating income to assets | 0.9212% | 3,428 |
| Return on assets (ROA) | 0.9212% | 3,429 |
| Pretax return on assets | 1.2405% | 2,844 |
| Return on Equity (ROE) | 8.8912% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.2072% | 2,021 |
| Net charge-offs to loans | -0.0675% | 5,041 |
| Credit loss provision to net charge-offs | -206.4516% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6742% | 2,412 |
| Assets per employee ($millions) | 3.8636% | 4,087 |
| Cash dividends to net income (ytd only)* | 18.9395% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,261 |
| Loan loss allowance to noncurrent loans | 26.9789% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.5295% | 99 |
| Noncurrent loans to loans | 4.7053% | 148 |
| Net loans and leases to total assets | 82.3325% | 657 |
| Net loans and leases to deposits | 99.9340% | 790 |
| Net loans and leases to core deposits | 106.1784% | 1,295 |
| Total domestic deposits to total assets | 82.3869% | 3,493 |
| Equity capital to assets | 10.5627% | 3,082 |
| Core capital (leverage) ratio | 10.5639% | 3,010 |
| Tier 1 risk-based capital ratio | 15.6070% | 2,598 |
| Total risk-based capital ratio | 16.8614% | 2,537 |
| Memoranda: | ||
| Average total assets | $76,418,000 | 4,538 |
| Average earning assets | $72,049,500 | 4,502 |
| Average equity | $7,917,750 | 4,666 |
| Average total loans | $61,192,500 | 4,104 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,502 |
| Cost of funding earning assets | 0.5601% | 2,515 |
| Net interest margin | 4.1435% | 1,432 |
| Noninterest income to average assets | 0.3389% | 3,922 |
| Noninterest expense to average assets | 2.9264% | 2,269 |
| Loan and lease loss provision to assets | 0.0972% | 1,991 |
| Net operating income to assets | 0.8984% | 3,460 |
| Return on assets (ROA) | 0.8984% | 3,469 |
| Pretax return on assets | 1.2215% | 2,868 |
| Return on Equity (ROE) | 8.7286% | 3,155 |
| Retained earnings to average equity (ytd only) | 6.1764% | 2,468 |
| Net charge-offs to loans | -0.3593% | 5,404 |
| Credit loss provision to net charge-offs | -34.2593% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9356% | 2,499 |
| Assets per employee ($millions) | 3.7998% | 4,213 |
| Cash dividends to net income (ytd only)* | 29.2398% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,770 |
| Loan loss allowance to noncurrent loans | 26.7241% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 4.8898% | 96 |
| Noncurrent loans to loans | 5.2166% | 122 |
| Net loans and leases to total assets | 80.7882% | 886 |
| Net loans and leases to deposits | 99.1457% | 874 |
| Net loans and leases to core deposits | 105.5804% | 1,267 |
| Total domestic deposits to total assets | 81.4843% | 3,871 |
| Equity capital to assets | 10.5007% | 3,119 |
| Core capital (leverage) ratio | 10.4044% | 3,135 |
| Tier 1 risk-based capital ratio | 15.8670% | 2,485 |
| Total risk-based capital ratio | 17.1237% | 2,430 |
| Memoranda: | ||
| Average total assets | $76,133,330 | 4,591 |
| Average earning assets | $71,775,330 | 4,555 |
| Average equity | $7,836,330 | 4,723 |
| Average total loans | $60,110,670 | 4,162 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,827 |
| Cost of funding earning assets | 0.5454% | 2,439 |
| Net interest margin | 3.9683% | 1,820 |
| Noninterest income to average assets | 0.3307% | 3,940 |
| Noninterest expense to average assets | 2.8765% | 2,454 |
| Loan and lease loss provision to assets | 0.0997% | 1,860 |
| Net operating income to assets | 0.7769% | 3,808 |
| Return on assets (ROA) | 0.7769% | 3,806 |
| Pretax return on assets | 1.0971% | 3,182 |
| Return on Equity (ROE) | 7.6244% | 3,531 |
| Retained earnings to average equity (ytd only) | 2.4728% | 4,178 |
| Net charge-offs to loans | -0.0068% | 4,109 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6186% | 2,398 |
| Assets per employee ($millions) | 3.8694% | 4,192 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,539 |
| Loan loss allowance to noncurrent loans | 22.0999% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 4.9492% | 96 |
| Noncurrent loans to loans | 5.6386% | 114 |
| Net loans and leases to total assets | 76.0877% | 1,528 |
| Net loans and leases to deposits | 92.1529% | 1,438 |
| Net loans and leases to core deposits | 97.8659% | 1,841 |
| Total domestic deposits to total assets | 82.5668% | 3,796 |
| Equity capital to assets | 10.0572% | 3,541 |
| Core capital (leverage) ratio | 10.2736% | 3,217 |
| Tier 1 risk-based capital ratio | 16.1590% | 2,407 |
| Total risk-based capital ratio | 17.4131% | 2,357 |
| Memoranda: | ||
| Average total assets | $76,202,500 | 4,635 |
| Average earning assets | $71,869,000 | 4,599 |
| Average equity | $7,764,500 | 4,786 |
| Average total loans | $59,034,500 | 4,223 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,047 |
| Cost of funding earning assets | 0.4912% | 2,417 |
| Net interest margin | 3.9019% | 2,085 |
| Noninterest income to average assets | 0.3954% | 3,668 |
| Noninterest expense to average assets | 3.1132% | 1,823 |
| Loan and lease loss provision to assets | 0.1016% | 2,196 |
| Net operating income to assets | 0.5132% | 4,343 |
| Return on assets (ROA) | 0.5132% | 4,376 |
| Pretax return on assets | 0.8491% | 4,098 |
| Return on Equity (ROE) | 4.9520% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.6454% | 3,068 |
| Net charge-offs to loans | 0.2257% | 1,148 |
| Credit loss provision to net charge-offs | 58.5938% | 3,230 |
| Earnings coverage of net charge-offs (x) | 5.4844% | 3,321 |
| Efficiency ratio | 76.6078% | 1,535 |
| Assets per employee ($millions) | 3.7509% | 4,359 |
| Cash dividends to net income (ytd only)* | 26.3852% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,552 |
| Loan loss allowance to noncurrent loans | 24.0439% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.6322% | 112 |
| Noncurrent loans to loans | 5.1451% | 130 |
| Net loans and leases to total assets | 76.9429% | 1,442 |
| Net loans and leases to deposits | 90.8792% | 1,666 |
| Net loans and leases to core deposits | 97.9817% | 1,862 |
| Total domestic deposits to total assets | 84.6650% | 2,964 |
| Equity capital to assets | 10.3255% | 3,359 |
| Core capital (leverage) ratio | 10.6394% | 2,707 |
| Tier 1 risk-based capital ratio | 16.4742% | 2,276 |
| Total risk-based capital ratio | 17.7269% | 2,213 |
| Memoranda: | ||
| Average total assets | $73,845,800 | 4,710 |
| Average earning assets | $69,427,400 | 4,673 |
| Average equity | $7,653,400 | 4,835 |
| Average total loans | $56,712,800 | 4,272 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,141 |
| Cost of funding earning assets | 0.4880% | 2,369 |
| Net interest margin | 3.8521% | 2,211 |
| Noninterest income to average assets | 0.4260% | 3,510 |
| Noninterest expense to average assets | 3.0164% | 2,073 |
| Loan and lease loss provision to assets | 0.1015% | 2,087 |
| Net operating income to assets | 0.5891% | 4,424 |
| Return on assets (ROA) | 0.5891% | 4,463 |
| Pretax return on assets | 0.9281% | 3,938 |
| Return on Equity (ROE) | 5.6790% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.9316% | 3,583 |
| Net charge-offs to loans | 0.0734% | 2,083 |
| Credit loss provision to net charge-offs | 180.6452% | 1,467 |
| Earnings coverage of net charge-offs (x) | 18.3235% | 2,057 |
| Efficiency ratio | 74.5520% | 1,809 |
| Assets per employee ($millions) | 3.6678% | 4,493 |
| Cash dividends to net income (ytd only)* | 30.7694% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,899 |
| Loan loss allowance to noncurrent loans | 26.6180% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 4.7726% | 118 |
| Noncurrent loans to loans | 5.2516% | 146 |
| Net loans and leases to total assets | 77.1184% | 1,406 |
| Net loans and leases to deposits | 91.6991% | 1,605 |
| Net loans and leases to core deposits | 99.9452% | 1,712 |
| Total domestic deposits to total assets | 84.0995% | 3,082 |
| Equity capital to assets | 10.6235% | 3,241 |
| Core capital (leverage) ratio | 10.6084% | 2,869 |
| Tier 1 risk-based capital ratio | 16.9535% | 2,169 |
| Total risk-based capital ratio | 18.2087% | 2,124 |
| Memoranda: | ||
| Average total assets | $73,552,750 | 4,764 |
| Average earning assets | $69,120,750 | 4,732 |
| Average equity | $7,630,250 | 4,885 |
| Average total loans | $56,280,000 | 4,319 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,318 |
| Cost of funding earning assets | 0.4707% | 2,406 |
| Net interest margin | 3.7710% | 2,403 |
| Noninterest income to average assets | 0.4102% | 3,623 |
| Noninterest expense to average assets | 3.0563% | 1,952 |
| Loan and lease loss provision to assets | 0.1005% | 2,006 |
| Net operating income to assets | 0.4618% | 4,822 |
| Return on assets (ROA) | 0.4618% | 4,845 |
| Pretax return on assets | 0.8014% | 4,273 |
| Return on Equity (ROE) | 4.4879% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.8479% | 4,510 |
| Net charge-offs to loans | 0.1896% | 1,055 |
| Credit loss provision to net charge-offs | 69.8113% | 2,378 |
| Earnings coverage of net charge-offs (x) | 6.2642% | 2,728 |
| Efficiency ratio | 77.2135% | 1,560 |
| Assets per employee ($millions) | 3.5931% | 4,588 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,241 |
| Loan loss allowance to noncurrent loans | 26.0096% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 4.7605% | 117 |
| Noncurrent loans to loans | 5.1424% | 141 |
| Net loans and leases to total assets | 78.0134% | 1,248 |
| Net loans and leases to deposits | 95.9916% | 1,083 |
| Net loans and leases to core deposits | 101.5579% | 1,544 |
| Total domestic deposits to total assets | 81.2710% | 4,114 |
| Equity capital to assets | 10.6329% | 3,190 |
| Core capital (leverage) ratio | 10.5307% | 2,878 |
| Tier 1 risk-based capital ratio | 16.8119% | 2,200 |
| Total risk-based capital ratio | 18.0660% | 2,162 |
| Memoranda: | ||
| Average total assets | $73,618,330 | 4,793 |
| Average earning assets | $69,265,000 | 4,762 |
| Average equity | $7,576,000 | 4,917 |
| Average total loans | $55,915,670 | 4,356 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 2,716 |
| Cost of funding earning assets | 0.4510% | 2,517 |
| Net interest margin | 3.6308% | 2,777 |
| Noninterest income to average assets | 0.3222% | 4,245 |
| Noninterest expense to average assets | 2.9263% | 2,373 |
| Loan and lease loss provision to assets | 0.1020% | 1,858 |
| Net operating income to assets | 0.3812% | 5,002 |
| Return on assets (ROA) | 0.3812% | 5,025 |
| Pretax return on assets | 0.7088% | 4,425 |
| Return on Equity (ROE) | 3.7648% | 4,856 |
| Retained earnings to average equity (ytd only) | -1.5377% | 5,130 |
| Net charge-offs to loans | -0.0433% | 5,117 |
| Credit loss provision to net charge-offs | -316.6667% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3046% | 1,589 |
| Assets per employee ($millions) | 3.7945% | 4,354 |
| Cash dividends to net income (ytd only)* | 140.8451% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,920 |
| Loan loss allowance to noncurrent loans | 23.8748% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 5.0784% | 114 |
| Noncurrent loans to loans | 6.0136% | 114 |
| Net loans and leases to total assets | 72.4588% | 2,008 |
| Net loans and leases to deposits | 85.5288% | 2,090 |
| Net loans and leases to core deposits | 89.2708% | 2,424 |
| Total domestic deposits to total assets | 84.7187% | 3,207 |
| Equity capital to assets | 9.9275% | 3,847 |
| Core capital (leverage) ratio | 10.1727% | 3,281 |
| Tier 1 risk-based capital ratio | 16.8005% | 2,246 |
| Total risk-based capital ratio | 18.0582% | 2,213 |
| Memoranda: | ||
| Average total assets | $74,496,500 | 4,821 |
| Average earning assets | $70,067,000 | 4,788 |
| Average equity | $7,543,500 | 4,963 |
| Average total loans | $55,462,500 | 4,408 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 1,845 |
| Cost of funding earning assets | 0.4837% | 2,223 |
| Net interest margin | 3.9085% | 1,936 |
| Noninterest income to average assets | 0.3318% | 4,357 |
| Noninterest expense to average assets | 3.0161% | 2,302 |
| Loan and lease loss provision to assets | 0.1125% | 2,190 |
| Net operating income to assets | 0.4724% | 4,736 |
| Return on assets (ROA) | 0.4724% | 4,814 |
| Pretax return on assets | 0.8619% | 3,968 |
| Return on Equity (ROE) | 4.4962% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.1580% | 3,662 |
| Net charge-offs to loans | 0.1999% | 1,388 |
| Credit loss provision to net charge-offs | 74.7664% | 3,061 |
| Earnings coverage of net charge-offs (x) | 6.4766% | 3,169 |
| Efficiency ratio | 75.5814% | 2,048 |
| Assets per employee ($millions) | 3.6552% | 4,533 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 2,038 |
| Loan loss allowance to noncurrent loans | 35.8065% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 3.6510% | 229 |
| Noncurrent loans to loans | 3.9358% | 268 |
| Net loans and leases to total assets | 74.3581% | 1,786 |
| Net loans and leases to deposits | 88.4359% | 1,870 |
| Net loans and leases to core deposits | 93.0119% | 2,211 |
| Total domestic deposits to total assets | 84.0814% | 3,397 |
| Equity capital to assets | 10.3320% | 3,349 |
| Core capital (leverage) ratio | 10.4952% | 2,889 |
| Tier 1 risk-based capital ratio | 16.6770% | 2,280 |
| Total risk-based capital ratio | 17.9333% | 2,219 |
| Memoranda: | ||
| Average total assets | $71,119,400 | 4,910 |
| Average earning assets | $66,573,600 | 4,881 |
| Average equity | $7,473,000 | 5,010 |
| Average total loans | $53,531,400 | 4,472 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 1,930 |
| Cost of funding earning assets | 0.4861% | 2,206 |
| Net interest margin | 3.8888% | 2,017 |
| Noninterest income to average assets | 0.3719% | 4,117 |
| Noninterest expense to average assets | 2.8526% | 2,819 |
| Loan and lease loss provision to assets | 0.1170% | 1,972 |
| Net operating income to assets | 0.6362% | 4,138 |
| Return on assets (ROA) | 0.6362% | 4,268 |
| Pretax return on assets | 1.0421% | 3,463 |
| Return on Equity (ROE) | 6.0287% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.2398% | 3,310 |
| Net charge-offs to loans | -0.0151% | 4,909 |
| Credit loss provision to net charge-offs | -1,033.3333% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1059% | 2,721 |
| Assets per employee ($millions) | 3.5580% | 4,710 |
| Cash dividends to net income (ytd only)* | 29.6737% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 1,504 |
| Loan loss allowance to noncurrent loans | 38.2353% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 4.1667% | 193 |
| Noncurrent loans to loans | 4.1609% | 254 |
| Net loans and leases to total assets | 75.7125% | 1,572 |
| Net loans and leases to deposits | 92.1100% | 1,480 |
| Net loans and leases to core deposits | 95.9195% | 1,997 |
| Total domestic deposits to total assets | 82.1979% | 3,878 |
| Equity capital to assets | 10.6745% | 3,381 |
| Core capital (leverage) ratio | 10.5822% | 2,894 |
| Tier 1 risk-based capital ratio | 16.9180% | 2,252 |
| Total risk-based capital ratio | 18.1771% | 2,207 |
| Memoranda: | ||
| Average total assets | $70,623,500 | 4,961 |
| Average earning assets | $66,103,500 | 4,930 |
| Average equity | $7,453,000 | 5,067 |
| Average total loans | $53,130,500 | 4,522 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,116 |
| Cost of funding earning assets | 0.4846% | 2,234 |
| Net interest margin | 3.8284% | 2,213 |
| Noninterest income to average assets | 0.3577% | 4,212 |
| Noninterest expense to average assets | 2.7908% | 3,057 |
| Loan and lease loss provision to assets | 0.1221% | 1,872 |
| Net operating income to assets | 0.6331% | 4,130 |
| Return on assets (ROA) | 0.6331% | 4,268 |
| Pretax return on assets | 1.0334% | 3,463 |
| Return on Equity (ROE) | 6.0227% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.3219% | 3,788 |
| Net charge-offs to loans | 0.0038% | 3,569 |
| Credit loss provision to net charge-offs | 4,300.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 170 |
| Efficiency ratio | 70.7194% | 2,873 |
| Assets per employee ($millions) | 3.7123% | 4,422 |
| Cash dividends to net income (ytd only)* | 44.8430% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 1,602 |
| Loan loss allowance to noncurrent loans | 35.0914% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 4.1852% | 202 |
| Noncurrent loans to loans | 4.4857% | 232 |
| Net loans and leases to total assets | 74.9100% | 1,668 |
| Net loans and leases to deposits | 89.8909% | 1,766 |
| Net loans and leases to core deposits | 93.1689% | 2,245 |
| Total domestic deposits to total assets | 83.3343% | 3,530 |
| Equity capital to assets | 10.6261% | 3,502 |
| Core capital (leverage) ratio | 10.5872% | 2,863 |
| Tier 1 risk-based capital ratio | 17.3743% | 2,107 |
| Total risk-based capital ratio | 18.6339% | 2,069 |
| Memoranda: | ||
| Average total assets | $70,444,670 | 5,013 |
| Average earning assets | $66,032,000 | 4,976 |
| Average equity | $7,405,330 | 5,123 |
| Average total loans | $52,591,330 | 4,567 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,018 |
| Cost of funding earning assets | 0.4902% | 2,179 |
| Net interest margin | 3.8432% | 2,134 |
| Noninterest income to average assets | 0.3466% | 4,254 |
| Noninterest expense to average assets | 2.6818% | 3,485 |
| Loan and lease loss provision to assets | 0.1420% | 1,483 |
| Net operating income to assets | 0.6761% | 3,840 |
| Return on assets (ROA) | 0.6761% | 3,958 |
| Pretax return on assets | 1.1307% | 2,969 |
| Return on Equity (ROE) | 6.4670% | 3,747 |
| Retained earnings to average equity (ytd only) | 1.0325% | 4,821 |
| Net charge-offs to loans | -0.0077% | 4,428 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8161% | 3,494 |
| Assets per employee ($millions) | 3.9976% | 3,948 |
| Cash dividends to net income (ytd only)* | 84.0336% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 1,589 |
| Loan loss allowance to noncurrent loans | 35.7790% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 3.9608% | 258 |
| Noncurrent loans to loans | 4.4866% | 241 |
| Net loans and leases to total assets | 70.6182% | 2,250 |
| Net loans and leases to deposits | 84.4058% | 2,262 |
| Net loans and leases to core deposits | 88.3937% | 2,525 |
| Total domestic deposits to total assets | 83.6650% | 3,651 |
| Equity capital to assets | 10.2479% | 3,796 |
| Core capital (leverage) ratio | 10.4329% | 3,033 |
| Tier 1 risk-based capital ratio | 17.3686% | 2,163 |
| Total risk-based capital ratio | 18.6263% | 2,129 |
| Memoranda: | ||
| Average total assets | $70,400,000 | 5,061 |
| Average earning assets | $66,091,000 | 5,020 |
| Average equity | $7,360,500 | 5,162 |
| Average total loans | $52,046,000 | 4,613 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,660 |
| Cost of funding earning assets | 0.6519% | 1,065 |
| Net interest margin | 3.8280% | 2,275 |
| Noninterest income to average assets | 0.3308% | 4,532 |
| Noninterest expense to average assets | 3.0429% | 2,404 |
| Loan and lease loss provision to assets | 0.1434% | 1,652 |
| Net operating income to assets | 0.4545% | 4,870 |
| Return on assets (ROA) | 0.4610% | 4,921 |
| Pretax return on assets | 0.7216% | 4,466 |
| Return on Equity (ROE) | 4.3403% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.9624% | 3,957 |
| Net charge-offs to loans | 0.1377% | 1,973 |
| Credit loss provision to net charge-offs | 142.0290% | 1,851 |
| Earnings coverage of net charge-offs (x) | 8.4638% | 2,949 |
| Efficiency ratio | 78.0698% | 1,957 |
| Assets per employee ($millions) | 3.6234% | 4,602 |
| Cash dividends to net income (ytd only)* | 31.7460% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,860 |
| Loan loss allowance to noncurrent loans | 37.6818% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 3.8696% | 275 |
| Noncurrent loans to loans | 4.0630% | 296 |
| Net loans and leases to total assets | 75.0189% | 1,570 |
| Net loans and leases to deposits | 90.4658% | 1,556 |
| Net loans and leases to core deposits | 93.8574% | 2,058 |
| Total domestic deposits to total assets | 82.9252% | 3,861 |
| Equity capital to assets | 10.6720% | 3,163 |
| Core capital (leverage) ratio | 10.5162% | 2,912 |
| Tier 1 risk-based capital ratio | 16.5346% | 2,461 |
| Total risk-based capital ratio | 17.7921% | 2,415 |
| Memoranda: | ||
| Average total assets | $68,322,400 | 5,124 |
| Average earning assets | $63,662,600 | 5,094 |
| Average equity | $7,257,600 | 5,199 |
| Average total loans | $50,106,200 | 4,667 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,695 |
| Cost of funding earning assets | 0.7008% | 834 |
| Net interest margin | 3.7685% | 2,497 |
| Noninterest income to average assets | 0.4419% | 3,777 |
| Noninterest expense to average assets | 2.9191% | 2,788 |
| Loan and lease loss provision to assets | 0.1447% | 1,515 |
| Net operating income to assets | 0.6327% | 4,228 |
| Return on assets (ROA) | 0.6354% | 4,324 |
| Pretax return on assets | 0.8935% | 4,001 |
| Return on Equity (ROE) | 5.9890% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.1462% | 3,515 |
| Net charge-offs to loans | -0.0512% | 5,558 |
| Credit loss provision to net charge-offs | -389.4737% | 5,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8378% | 2,583 |
| Assets per employee ($millions) | 3.6543% | 4,512 |
| Cash dividends to net income (ytd only)* | 30.7694% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 1,549 |
| Loan loss allowance to noncurrent loans | 37.6629% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 4.2243% | 269 |
| Noncurrent loans to loans | 4.4384% | 252 |
| Net loans and leases to total assets | 73.4517% | 1,830 |
| Net loans and leases to deposits | 88.7232% | 1,807 |
| Net loans and leases to core deposits | 92.0310% | 2,263 |
| Total domestic deposits to total assets | 82.7875% | 3,885 |
| Equity capital to assets | 10.6190% | 3,451 |
| Core capital (leverage) ratio | 10.4803% | 3,064 |
| Tier 1 risk-based capital ratio | 17.0952% | 2,341 |
| Total risk-based capital ratio | 18.3539% | 2,287 |
| Memoranda: | ||
| Average total assets | $68,192,000 | 5,190 |
| Average earning assets | $63,543,250 | 5,160 |
| Average equity | $7,235,250 | 5,270 |
| Average total loans | $49,520,500 | 4,733 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 1,732 |
| Cost of funding earning assets | 0.6936% | 870 |
| Net interest margin | 3.7402% | 2,544 |
| Noninterest income to average assets | 0.5577% | 2,990 |
| Noninterest expense to average assets | 2.9506% | 2,717 |
| Loan and lease loss provision to assets | 0.1446% | 1,491 |
| Net operating income to assets | 0.6950% | 3,914 |
| Return on assets (ROA) | 0.6993% | 4,015 |
| Pretax return on assets | 0.9530% | 3,761 |
| Return on Equity (ROE) | 6.5809% | 3,839 |
| Retained earnings to average equity (ytd only) | 3.8041% | 3,587 |
| Net charge-offs to loans | -0.0369% | 5,417 |
| Credit loss provision to net charge-offs | -544.4444% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9927% | 2,839 |
| Assets per employee ($millions) | 3.2292% | 5,296 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,698 |
| Loan loss allowance to noncurrent loans | 34.1544% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 4.2971% | 288 |
| Noncurrent loans to loans | 4.8756% | 245 |
| Net loans and leases to total assets | 72.4507% | 1,902 |
| Net loans and leases to deposits | 86.1796% | 2,033 |
| Net loans and leases to core deposits | 89.0054% | 2,451 |
| Total domestic deposits to total assets | 84.0694% | 3,538 |
| Equity capital to assets | 10.7280% | 3,186 |
| Core capital (leverage) ratio | 10.4521% | 3,022 |
| Tier 1 risk-based capital ratio | 17.9152% | 2,090 |
| Total risk-based capital ratio | 19.1760% | 2,039 |
| Memoranda: | ||
| Average total assets | $67,782,670 | 5,257 |
| Average earning assets | $63,151,670 | 5,219 |
| Average equity | $7,202,670 | 5,317 |
| Average total loans | $48,738,670 | 4,796 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 1,864 |
| Cost of funding earning assets | 0.6907% | 889 |
| Net interest margin | 3.6815% | 2,693 |
| Noninterest income to average assets | 0.5607% | 2,885 |
| Noninterest expense to average assets | 2.9454% | 2,758 |
| Loan and lease loss provision to assets | 0.1476% | 1,375 |
| Net operating income to assets | 0.6292% | 4,147 |
| Return on assets (ROA) | 0.6375% | 4,221 |
| Pretax return on assets | 0.9090% | 3,854 |
| Return on Equity (ROE) | 6.0280% | 4,023 |
| Retained earnings to average equity (ytd only) | 0.4465% | 5,233 |
| Net charge-offs to loans | -0.0582% | 5,599 |
| Credit loss provision to net charge-offs | -357.1429% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8166% | 2,844 |
| Assets per employee ($millions) | 3.3324% | 5,193 |
| Cash dividends to net income (ytd only)* | 92.5926% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 1,823 |
| Loan loss allowance to noncurrent loans | 34.4739% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 4.2554% | 334 |
| Noncurrent loans to loans | 4.8378% | 292 |
| Net loans and leases to total assets | 67.9070% | 2,455 |
| Net loans and leases to deposits | 81.6263% | 2,383 |
| Net loans and leases to core deposits | 84.2439% | 2,739 |
| Total domestic deposits to total assets | 83.1926% | 4,122 |
| Equity capital to assets | 10.2456% | 3,835 |
| Core capital (leverage) ratio | 10.5484% | 2,905 |
| Tier 1 risk-based capital ratio | 17.6163% | 2,267 |
| Total risk-based capital ratio | 18.8762% | 2,225 |
| Memoranda: | ||
| Average total assets | $67,767,500 | 5,312 |
| Average earning assets | $63,126,500 | 5,272 |
| Average equity | $7,166,500 | 5,370 |
| Average total loans | $48,126,500 | 4,841 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,263 |
| Cost of funding earning assets | 0.7579% | 806 |
| Net interest margin | 3.9592% | 2,013 |
| Noninterest income to average assets | 0.4781% | 3,660 |
| Noninterest expense to average assets | 3.0925% | 2,541 |
| Loan and lease loss provision to assets | 0.1873% | 1,367 |
| Net operating income to assets | 0.5771% | 4,472 |
| Return on assets (ROA) | 0.5771% | 4,555 |
| Pretax return on assets | 0.8573% | 4,045 |
| Return on Equity (ROE) | 5.4230% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.9921% | 3,371 |
| Net charge-offs to loans | 0.1112% | 2,922 |
| Credit loss provision to net charge-offs | 232.0755% | 1,087 |
| Earnings coverage of net charge-offs (x) | 12.9434% | 2,322 |
| Efficiency ratio | 74.7516% | 2,708 |
| Assets per employee ($millions) | 3.1216% | 5,528 |
| Cash dividends to net income (ytd only)* | 26.3852% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,042 |
| Loan loss allowance to noncurrent loans | 32.6582% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 4.5916% | 328 |
| Noncurrent loans to loans | 4.9452% | 303 |
| Net loans and leases to total assets | 71.9270% | 1,924 |
| Net loans and leases to deposits | 85.8884% | 1,998 |
| Net loans and leases to core deposits | 88.8133% | 2,405 |
| Total domestic deposits to total assets | 83.7447% | 3,822 |
| Equity capital to assets | 10.9269% | 2,976 |
| Core capital (leverage) ratio | 10.7379% | 2,684 |
| Tier 1 risk-based capital ratio | 17.8309% | 2,190 |
| Total risk-based capital ratio | 19.0900% | 2,157 |
| Memoranda: | ||
| Average total assets | $65,674,800 | 5,407 |
| Average earning assets | $60,694,800 | 5,378 |
| Average equity | $6,988,800 | 5,417 |
| Average total loans | $47,647,200 | 4,895 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6657% | 1,391 |
| Cost of funding earning assets | 0.7622% | 835 |
| Net interest margin | 3.9034% | 2,226 |
| Noninterest income to average assets | 0.4403% | 3,954 |
| Noninterest expense to average assets | 3.0053% | 2,785 |
| Loan and lease loss provision to assets | 0.1989% | 1,202 |
| Net operating income to assets | 0.5621% | 4,623 |
| Return on assets (ROA) | 0.5621% | 4,696 |
| Pretax return on assets | 0.8421% | 4,213 |
| Return on Equity (ROE) | 5.3176% | 4,568 |
| Retained earnings to average equity (ytd only) | 3.3979% | 4,207 |
| Net charge-offs to loans | -0.1093% | 6,166 |
| Credit loss provision to net charge-offs | -251.2821% | 5,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2728% | 2,778 |
| Assets per employee ($millions) | 3.1315% | 5,540 |
| Cash dividends to net income (ytd only)* | 36.1015% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 1,897 |
| Loan loss allowance to noncurrent loans | 31.8681% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 4.7505% | 376 |
| Noncurrent loans to loans | 5.4176% | 302 |
| Net loans and leases to total assets | 72.7943% | 1,716 |
| Net loans and leases to deposits | 86.8440% | 1,811 |
| Net loans and leases to core deposits | 89.7873% | 2,243 |
| Total domestic deposits to total assets | 83.8220% | 3,829 |
| Equity capital to assets | 10.7555% | 3,231 |
| Core capital (leverage) ratio | 10.5888% | 2,937 |
| Tier 1 risk-based capital ratio | 17.2654% | 2,490 |
| Total risk-based capital ratio | 18.5245% | 2,448 |
| Memoranda: | ||
| Average total assets | $65,705,000 | 5,461 |
| Average earning assets | $60,697,250 | 5,437 |
| Average equity | $6,945,250 | 5,475 |
| Average total loans | $47,577,750 | 4,947 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 1,383 |
| Cost of funding earning assets | 0.7737% | 814 |
| Net interest margin | 3.8817% | 2,247 |
| Noninterest income to average assets | 0.4384% | 3,964 |
| Noninterest expense to average assets | 3.0478% | 2,664 |
| Loan and lease loss provision to assets | 0.2223% | 1,041 |
| Net operating income to assets | 0.4628% | 4,961 |
| Return on assets (ROA) | 0.4628% | 5,033 |
| Pretax return on assets | 0.7429% | 4,488 |
| Return on Equity (ROE) | 4.4041% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.5067% | 5,138 |
| Net charge-offs to loans | -0.0678% | 6,005 |
| Credit loss provision to net charge-offs | -456.2500% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9484% | 2,647 |
| Assets per employee ($millions) | 3.1155% | 5,571 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 2,289 |
| Loan loss allowance to noncurrent loans | 30.7692% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 5.2242% | 331 |
| Noncurrent loans to loans | 5.3648% | 347 |
| Net loans and leases to total assets | 72.1227% | 1,723 |
| Net loans and leases to deposits | 86.3219% | 1,790 |
| Net loans and leases to core deposits | 89.2696% | 2,188 |
| Total domestic deposits to total assets | 83.5509% | 4,090 |
| Equity capital to assets | 10.6349% | 3,271 |
| Core capital (leverage) ratio | 10.4997% | 2,951 |
| Tier 1 risk-based capital ratio | 16.2097% | 2,974 |
| Total risk-based capital ratio | 17.4675% | 2,920 |
| Memoranda: | ||
| Average total assets | $65,686,000 | 5,514 |
| Average earning assets | $60,489,330 | 5,490 |
| Average equity | $6,902,670 | 5,506 |
| Average total loans | $47,199,670 | 4,995 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 1,634 |
| Cost of funding earning assets | 0.7784% | 841 |
| Net interest margin | 3.7734% | 2,580 |
| Noninterest income to average assets | 0.4437% | 3,835 |
| Noninterest expense to average assets | 3.0449% | 2,711 |
| Loan and lease loss provision to assets | 0.2249% | 997 |
| Net operating income to assets | 0.3647% | 5,256 |
| Return on assets (ROA) | 0.3647% | 5,322 |
| Pretax return on assets | 0.6503% | 4,661 |
| Return on Equity (ROE) | 3.4909% | 5,276 |
| Retained earnings to average equity (ytd only) | -2.3273% | 5,891 |
| Net charge-offs to loans | -0.0085% | 4,988 |
| Credit loss provision to net charge-offs | -3,700.0000% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6744% | 2,520 |
| Assets per employee ($millions) | 3.1460% | 5,607 |
| Cash dividends to net income (ytd only)* | 166.6667% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 2,734 |
| Loan loss allowance to noncurrent loans | 25.9182% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 5.8062% | 303 |
| Noncurrent loans to loans | 6.1471% | 293 |
| Net loans and leases to total assets | 69.2766% | 2,019 |
| Net loans and leases to deposits | 80.8825% | 2,175 |
| Net loans and leases to core deposits | 83.5460% | 2,568 |
| Total domestic deposits to total assets | 85.6509% | 3,531 |
| Equity capital to assets | 10.3728% | 3,366 |
| Core capital (leverage) ratio | 10.2134% | 3,274 |
| Tier 1 risk-based capital ratio | 17.1153% | 2,633 |
| Total risk-based capital ratio | 18.3732% | 2,582 |
| Memoranda: | ||
| Average total assets | $65,816,000 | 5,572 |
| Average earning assets | $60,634,500 | 5,547 |
| Average equity | $6,875,000 | 5,551 |
| Average total loans | $46,810,000 | 5,053 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,618 |
| Cost of funding earning assets | 0.8839% | 802 |
| Net interest margin | 3.7981% | 2,667 |
| Noninterest income to average assets | 0.3814% | 4,580 |
| Noninterest expense to average assets | 2.9364% | 3,247 |
| Loan and lease loss provision to assets | 0.2236% | 1,627 |
| Net operating income to assets | 0.5637% | 4,441 |
| Return on assets (ROA) | 0.5637% | 4,557 |
| Pretax return on assets | 0.7230% | 4,450 |
| Return on Equity (ROE) | 5.4451% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.1874% | 3,193 |
| Net charge-offs to loans | 0.2778% | 2,313 |
| Credit loss provision to net charge-offs | 115.8730% | 2,082 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 3,426 |
| Efficiency ratio | 75.6213% | 2,840 |
| Assets per employee ($millions) | 3.1221% | 5,634 |
| Cash dividends to net income (ytd only)* | 23.0978% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 3,232 |
| Loan loss allowance to noncurrent loans | 24.5632% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 5.6951% | 350 |
| Noncurrent loans to loans | 6.0751% | 334 |
| Net loans and leases to total assets | 70.7801% | 1,887 |
| Net loans and leases to deposits | 84.2706% | 1,896 |
| Net loans and leases to core deposits | 84.7369% | 2,584 |
| Total domestic deposits to total assets | 83.9915% | 4,170 |
| Equity capital to assets | 10.5193% | 3,128 |
| Core capital (leverage) ratio | 10.5219% | 2,897 |
| Tier 1 risk-based capital ratio | 15.8723% | 3,163 |
| Total risk-based capital ratio | 17.1272% | 3,117 |
| Memoranda: | ||
| Average total assets | $65,283,200 | 5,611 |
| Average earning assets | $60,187,400 | 5,585 |
| Average equity | $6,758,400 | 5,630 |
| Average total loans | $45,358,200 | 5,137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 1,703 |
| Cost of funding earning assets | 0.9026% | 804 |
| Net interest margin | 3.7611% | 2,797 |
| Noninterest income to average assets | 0.4498% | 4,157 |
| Noninterest expense to average assets | 2.8583% | 3,453 |
| Loan and lease loss provision to assets | 0.2249% | 1,611 |
| Net operating income to assets | 0.5377% | 4,629 |
| Return on assets (ROA) | 0.5377% | 4,778 |
| Pretax return on assets | 0.8342% | 4,171 |
| Return on Equity (ROE) | 5.2152% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.5297% | 4,183 |
| Net charge-offs to loans | -0.0267% | 6,138 |
| Credit loss provision to net charge-offs | -1,222.2222% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9645% | 3,225 |
| Assets per employee ($millions) | 3.1115% | 5,656 |
| Cash dividends to net income (ytd only)* | 32.3191% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 2,600 |
| Loan loss allowance to noncurrent loans | 25.9547% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 5.7054% | 439 |
| Noncurrent loans to loans | 6.5854% | 340 |
| Net loans and leases to total assets | 70.5825% | 1,854 |
| Net loans and leases to deposits | 84.0624% | 1,871 |
| Net loans and leases to core deposits | 84.5277% | 2,594 |
| Total domestic deposits to total assets | 83.9644% | 4,201 |
| Equity capital to assets | 10.4144% | 3,375 |
| Core capital (leverage) ratio | 10.2725% | 3,281 |
| Tier 1 risk-based capital ratio | 16.6568% | 2,877 |
| Total risk-based capital ratio | 17.9150% | 2,835 |
| Memoranda: | ||
| Average total assets | $65,212,750 | 5,676 |
| Average earning assets | $60,122,500 | 5,648 |
| Average equity | $6,723,750 | 5,709 |
| Average total loans | $44,920,250 | 5,203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 1,739 |
| Cost of funding earning assets | 0.9251% | 793 |
| Net interest margin | 3.7102% | 2,916 |
| Noninterest income to average assets | 0.4511% | 4,154 |
| Noninterest expense to average assets | 2.8633% | 3,462 |
| Loan and lease loss provision to assets | 0.2240% | 1,690 |
| Net operating income to assets | 0.5248% | 4,694 |
| Return on assets (ROA) | 0.5248% | 4,861 |
| Pretax return on assets | 0.7856% | 4,363 |
| Return on Equity (ROE) | 5.1070% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.5684% | 4,670 |
| Net charge-offs to loans | -0.0904% | 6,478 |
| Credit loss provision to net charge-offs | -365.0000% | 5,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9303% | 3,146 |
| Assets per employee ($millions) | 3.0686% | 5,731 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 2,679 |
| Loan loss allowance to noncurrent loans | 25.2030% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 5.8332% | 477 |
| Noncurrent loans to loans | 6.8576% | 365 |
| Net loans and leases to total assets | 68.4704% | 2,156 |
| Net loans and leases to deposits | 81.6488% | 2,098 |
| Net loans and leases to core deposits | 82.6629% | 2,734 |
| Total domestic deposits to total assets | 83.8597% | 4,376 |
| Equity capital to assets | 10.4018% | 3,427 |
| Core capital (leverage) ratio | 10.1151% | 3,344 |
| Tier 1 risk-based capital ratio | 17.1511% | 2,656 |
| Total risk-based capital ratio | 18.4103% | 2,627 |
| Memoranda: | ||
| Average total assets | $65,169,670 | 5,722 |
| Average earning assets | $60,104,670 | 5,692 |
| Average equity | $6,696,670 | 5,761 |
| Average total loans | $44,253,000 | 5,255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,909 |
| Cost of funding earning assets | 0.9600% | 746 |
| Net interest margin | 3.6148% | 3,201 |
| Noninterest income to average assets | 0.4273% | 4,269 |
| Noninterest expense to average assets | 2.7955% | 3,719 |
| Loan and lease loss provision to assets | 0.2197% | 1,687 |
| Net operating income to assets | 0.4700% | 4,821 |
| Return on assets (ROA) | 0.4700% | 4,989 |
| Pretax return on assets | 0.7447% | 4,397 |
| Return on Equity (ROE) | 4.6015% | 4,790 |
| Retained earnings to average equity (ytd only) | -0.4781% | 5,875 |
| Net charge-offs to loans | 0.0273% | 3,647 |
| Credit loss provision to net charge-offs | 1,200.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 647 |
| Efficiency ratio | 74.3506% | 3,203 |
| Assets per employee ($millions) | 3.1665% | 5,705 |
| Cash dividends to net income (ytd only)* | 110.3896% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 3,176 |
| Loan loss allowance to noncurrent loans | 21.9767% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 5.8755% | 548 |
| Noncurrent loans to loans | 7.5371% | 365 |
| Net loans and leases to total assets | 63.9287% | 2,722 |
| Net loans and leases to deposits | 75.7970% | 2,667 |
| Net loans and leases to core deposits | 77.2235% | 3,171 |
| Total domestic deposits to total assets | 84.3419% | 4,337 |
| Equity capital to assets | 10.0472% | 4,087 |
| Core capital (leverage) ratio | 9.9811% | 3,411 |
| Tier 1 risk-based capital ratio | 17.9725% | 2,376 |
| Total risk-based capital ratio | 19.2311% | 2,338 |
| Memoranda: | ||
| Average total assets | $65,534,000 | 5,755 |
| Average earning assets | $60,419,000 | 5,733 |
| Average equity | $6,693,500 | 5,817 |
| Average total loans | $43,930,000 | 5,301 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 1,230 |
| Cost of funding earning assets | 1.1752% | 648 |
| Net interest margin | 3.9645% | 2,550 |
| Noninterest income to average assets | 0.4041% | 4,574 |
| Noninterest expense to average assets | 3.0975% | 2,929 |
| Loan and lease loss provision to assets | 0.2296% | 2,837 |
| Net operating income to assets | 0.3758% | 5,198 |
| Return on assets (ROA) | 0.3758% | 5,428 |
| Pretax return on assets | 0.7422% | 4,509 |
| Return on Equity (ROE) | 3.5690% | 5,322 |
| Retained earnings to average equity (ytd only) | 1.3290% | 5,208 |
| Net charge-offs to loans | 0.0940% | 4,731 |
| Credit loss provision to net charge-offs | 347.6190% | 706 |
| Earnings coverage of net charge-offs (x) | 14.7143% | 1,716 |
| Efficiency ratio | 76.1206% | 2,719 |
| Assets per employee ($millions) | 3.0749% | 5,894 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 3,617 |
| Loan loss allowance to noncurrent loans | 19.2449% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 6.4502% | 514 |
| Noncurrent loans to loans | 7.9513% | 366 |
| Net loans and leases to total assets | 68.0651% | 2,169 |
| Net loans and leases to deposits | 81.3968% | 2,091 |
| Net loans and leases to core deposits | 83.1036% | 2,658 |
| Total domestic deposits to total assets | 83.6214% | 4,489 |
| Equity capital to assets | 10.3853% | 3,659 |
| Core capital (leverage) ratio | 10.1617% | 3,180 |
| Tier 1 risk-based capital ratio | 17.1675% | 2,577 |
| Total risk-based capital ratio | 18.4235% | 2,545 |
| Memoranda: | ||
| Average total assets | $63,599,000 | 5,833 |
| Average earning assets | $58,797,000 | 5,785 |
| Average equity | $6,696,600 | 5,849 |
| Average total loans | $44,661,200 | 5,298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 1,240 |
| Cost of funding earning assets | 1.2106% | 662 |
| Net interest margin | 3.9687% | 2,633 |
| Noninterest income to average assets | 0.4293% | 4,416 |
| Noninterest expense to average assets | 3.0136% | 3,189 |
| Loan and lease loss provision to assets | 0.2315% | 2,727 |
| Net operating income to assets | 0.5219% | 4,749 |
| Return on assets (ROA) | 0.5219% | 5,014 |
| Pretax return on assets | 0.8544% | 4,283 |
| Return on Equity (ROE) | 4.9395% | 4,846 |
| Retained earnings to average equity (ytd only) | 1.9518% | 5,352 |
| Net charge-offs to loans | 0.0478% | 4,984 |
| Credit loss provision to net charge-offs | 687.5000% | 392 |
| Earnings coverage of net charge-offs (x) | 32.2541% | 1,041 |
| Efficiency ratio | 73.5113% | 3,063 |
| Assets per employee ($millions) | 3.0522% | 5,959 |
| Cash dividends to net income (ytd only)* | 60.4851% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 4,029 |
| Loan loss allowance to noncurrent loans | 19.9703% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 6.2546% | 621 |
| Noncurrent loans to loans | 7.4190% | 462 |
| Net loans and leases to total assets | 69.8176% | 1,946 |
| Net loans and leases to deposits | 83.7391% | 1,896 |
| Net loans and leases to core deposits | 85.5104% | 2,529 |
| Total domestic deposits to total assets | 83.3752% | 4,494 |
| Equity capital to assets | 10.5122% | 3,830 |
| Core capital (leverage) ratio | 10.2446% | 3,233 |
| Tier 1 risk-based capital ratio | 16.8336% | 2,823 |
| Total risk-based capital ratio | 18.0891% | 2,775 |
| Memoranda: | ||
| Average total assets | $63,355,750 | 5,897 |
| Average earning assets | $58,590,250 | 5,859 |
| Average equity | $6,694,250 | 5,913 |
| Average total loans | $44,668,000 | 5,363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 1,195 |
| Cost of funding earning assets | 1.2371% | 688 |
| Net interest margin | 3.9854% | 2,570 |
| Noninterest income to average assets | 0.4468% | 4,317 |
| Noninterest expense to average assets | 3.0107% | 3,220 |
| Loan and lease loss provision to assets | 0.2313% | 2,761 |
| Net operating income to assets | 0.5039% | 4,806 |
| Return on assets (ROA) | 0.5039% | 5,061 |
| Pretax return on assets | 0.8905% | 4,115 |
| Return on Equity (ROE) | 4.7607% | 4,932 |
| Retained earnings to average equity (ytd only) | 0.2695% | 5,954 |
| Net charge-offs to loans | -0.0675% | 6,747 |
| Credit loss provision to net charge-offs | -486.6667% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8528% | 3,260 |
| Assets per employee ($millions) | 2.9997% | 6,070 |
| Cash dividends to net income (ytd only)* | 94.3396% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,108 |
| Loan loss allowance to noncurrent loans | 23.4035% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 5.3926% | 841 |
| Noncurrent loans to loans | 6.3263% | 677 |
| Net loans and leases to total assets | 70.4559% | 1,835 |
| Net loans and leases to deposits | 84.6438% | 1,770 |
| Net loans and leases to core deposits | 86.4660% | 2,366 |
| Total domestic deposits to total assets | 83.2381% | 4,659 |
| Equity capital to assets | 10.5629% | 3,610 |
| Core capital (leverage) ratio | 10.2646% | 3,081 |
| Tier 1 risk-based capital ratio | 16.8280% | 2,747 |
| Total risk-based capital ratio | 18.0851% | 2,705 |
| Memoranda: | ||
| Average total assets | $63,108,670 | 5,940 |
| Average earning assets | $58,363,330 | 5,893 |
| Average equity | $6,679,670 | 5,937 |
| Average total loans | $44,416,000 | 5,411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 1,193 |
| Cost of funding earning assets | 1.2736% | 704 |
| Net interest margin | 3.9852% | 2,568 |
| Noninterest income to average assets | 0.4433% | 4,341 |
| Noninterest expense to average assets | 3.0016% | 3,241 |
| Loan and lease loss provision to assets | 0.2343% | 2,598 |
| Net operating income to assets | 0.5066% | 4,798 |
| Return on assets (ROA) | 0.5066% | 5,008 |
| Pretax return on assets | 0.8929% | 4,053 |
| Return on Equity (ROE) | 4.7815% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.7815% | 3,686 |
| Net charge-offs to loans | -0.0907% | 6,754 |
| Credit loss provision to net charge-offs | -370.0000% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6994% | 3,309 |
| Assets per employee ($millions) | 3.0446% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 4,456 |
| Loan loss allowance to noncurrent loans | 21.5565% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 5.5289% | 885 |
| Noncurrent loans to loans | 6.6491% | 710 |
| Net loans and leases to total assets | 67.3303% | 2,229 |
| Net loans and leases to deposits | 80.7613% | 2,091 |
| Net loans and leases to core deposits | 82.4693% | 2,763 |
| Total domestic deposits to total assets | 83.3696% | 4,779 |
| Equity capital to assets | 10.5166% | 3,469 |
| Core capital (leverage) ratio | 10.3169% | 2,975 |
| Tier 1 risk-based capital ratio | 17.3958% | 2,519 |
| Total risk-based capital ratio | 18.6519% | 2,484 |
| Memoranda: | ||
| Average total assets | $63,166,000 | 5,980 |
| Average earning assets | $58,415,500 | 5,923 |
| Average equity | $6,692,500 | 5,965 |
| Average total loans | $44,099,000 | 5,463 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8574% | 567 |
| Cost of funding earning assets | 1.4648% | 822 |
| Net interest margin | 4.3926% | 1,412 |
| Noninterest income to average assets | 0.4308% | 4,370 |
| Noninterest expense to average assets | 3.4822% | 2,026 |
| Loan and lease loss provision to assets | 0.2481% | 3,727 |
| Net operating income to assets | 0.5312% | 4,306 |
| Return on assets (ROA) | 0.5324% | 4,491 |
| Pretax return on assets | 0.7426% | 4,181 |
| Return on Equity (ROE) | 4.9984% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.6234% | 3,631 |
| Net charge-offs to loans | 0.2306% | 4,340 |
| Credit loss provision to net charge-offs | 154.8387% | 1,814 |
| Earnings coverage of net charge-offs (x) | 6.1720% | 2,574 |
| Efficiency ratio | 77.8805% | 2,602 |
| Assets per employee ($millions) | 2.9712% | 6,153 |
| Cash dividends to net income (ytd only)* | 27.5081% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,901 |
| Loan loss allowance to noncurrent loans | 23.3374% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 5.1751% | 1,015 |
| Noncurrent loans to loans | 5.5724% | 943 |
| Net loans and leases to total assets | 70.4287% | 1,945 |
| Net loans and leases to deposits | 84.9225% | 1,811 |
| Net loans and leases to core deposits | 86.5465% | 2,563 |
| Total domestic deposits to total assets | 82.9329% | 4,777 |
| Equity capital to assets | 10.6755% | 3,333 |
| Core capital (leverage) ratio | 10.3860% | 2,861 |
| Tier 1 risk-based capital ratio | 17.3146% | 2,459 |
| Total risk-based capital ratio | 18.5694% | 2,429 |
| Memoranda: | ||
| Average total assets | $58,037,600 | 6,106 |
| Average earning assets | $53,385,200 | 6,064 |
| Average equity | $6,182,000 | 6,109 |
| Average total loans | $40,335,200 | 5,675 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9999% | 459 |
| Cost of funding earning assets | 1.5134% | 820 |
| Net interest margin | 4.4866% | 1,185 |
| Noninterest income to average assets | 0.5221% | 3,710 |
| Noninterest expense to average assets | 3.4650% | 2,036 |
| Loan and lease loss provision to assets | 0.2529% | 3,479 |
| Net operating income to assets | 0.7123% | 3,545 |
| Return on assets (ROA) | 0.7141% | 3,711 |
| Pretax return on assets | 0.9295% | 3,653 |
| Return on Equity (ROE) | 6.7081% | 3,660 |
| Retained earnings to average equity (ytd only) | 4.8386% | 3,290 |
| Net charge-offs to loans | -0.0848% | 7,137 |
| Credit loss provision to net charge-offs | -432.0000% | 6,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5968% | 3,065 |
| Assets per employee ($millions) | 2.9967% | 6,122 |
| Cash dividends to net income (ytd only)* | 27.8685% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 4,111 |
| Loan loss allowance to noncurrent loans | 37.5568% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 4.0648% | 1,505 |
| Noncurrent loans to loans | 3.9868% | 1,664 |
| Net loans and leases to total assets | 69.0995% | 2,259 |
| Net loans and leases to deposits | 83.2169% | 2,141 |
| Net loans and leases to core deposits | 84.7909% | 2,943 |
| Total domestic deposits to total assets | 83.0354% | 4,667 |
| Equity capital to assets | 10.5560% | 3,636 |
| Core capital (leverage) ratio | 10.4313% | 2,956 |
| Tier 1 risk-based capital ratio | 17.2632% | 2,543 |
| Total risk-based capital ratio | 18.5206% | 2,503 |
| Memoranda: | ||
| Average total assets | $56,948,250 | 6,185 |
| Average earning assets | $52,332,500 | 6,158 |
| Average equity | $6,062,250 | 6,183 |
| Average total loans | $39,288,250 | 5,779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1924% | 332 |
| Cost of funding earning assets | 1.5937% | 709 |
| Net interest margin | 4.5987% | 911 |
| Noninterest income to average assets | 0.5204% | 3,702 |
| Noninterest expense to average assets | 3.6758% | 1,572 |
| Loan and lease loss provision to assets | 0.2620% | 3,302 |
| Net operating income to assets | 0.5833% | 4,140 |
| Return on assets (ROA) | 0.5859% | 4,257 |
| Pretax return on assets | 0.8079% | 3,993 |
| Return on Equity (ROE) | 5.4868% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.5900% | 4,646 |
| Net charge-offs to loans | -0.1487% | 7,252 |
| Credit loss provision to net charge-offs | -257.1429% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5134% | 2,788 |
| Assets per employee ($millions) | 2.8692% | 6,352 |
| Cash dividends to net income (ytd only)* | 52.7950% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,214 |
| Loan loss allowance to noncurrent loans | 38.6938% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 4.0197% | 1,590 |
| Noncurrent loans to loans | 3.8300% | 1,813 |
| Net loans and leases to total assets | 69.2878% | 2,361 |
| Net loans and leases to deposits | 83.8482% | 2,132 |
| Net loans and leases to core deposits | 85.5387% | 2,992 |
| Total domestic deposits to total assets | 82.6349% | 4,936 |
| Equity capital to assets | 10.7181% | 3,269 |
| Core capital (leverage) ratio | 10.3482% | 2,883 |
| Tier 1 risk-based capital ratio | 18.0751% | 2,150 |
| Total risk-based capital ratio | 19.3326% | 2,102 |
| Memoranda: | ||
| Average total assets | $54,954,000 | 6,299 |
| Average earning assets | $50,449,330 | 6,273 |
| Average equity | $5,868,670 | 6,268 |
| Average total loans | $37,669,000 | 5,906 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4913% | 213 |
| Cost of funding earning assets | 1.7082% | 531 |
| Net interest margin | 4.7830% | 587 |
| Noninterest income to average assets | 0.5889% | 3,246 |
| Noninterest expense to average assets | 3.9385% | 1,122 |
| Loan and lease loss provision to assets | 0.2753% | 2,951 |
| Net operating income to assets | 0.5300% | 4,351 |
| Return on assets (ROA) | 0.5353% | 4,413 |
| Pretax return on assets | 0.7724% | 4,008 |
| Return on Equity (ROE) | 5.0233% | 4,394 |
| Retained earnings to average equity (ytd only) | -1.0764% | 5,999 |
| Net charge-offs to loans | -0.3511% | 7,364 |
| Credit loss provision to net charge-offs | -116.1290% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1091% | 2,679 |
| Assets per employee ($millions) | 2.9197% | 6,311 |
| Cash dividends to net income (ytd only)* | 121.4286% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,399 |
| Loan loss allowance to noncurrent loans | 36.9795% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 4.0627% | 1,646 |
| Noncurrent loans to loans | 3.9443% | 1,857 |
| Net loans and leases to total assets | 65.5609% | 3,117 |
| Net loans and leases to deposits | 78.8103% | 2,927 |
| Net loans and leases to core deposits | 80.3574% | 3,695 |
| Total domestic deposits to total assets | 83.1882% | 4,861 |
| Equity capital to assets | 10.3239% | 3,385 |
| Core capital (leverage) ratio | 10.3976% | 2,705 |
| Tier 1 risk-based capital ratio | 18.4584% | 1,973 |
| Total risk-based capital ratio | 19.7139% | 1,923 |
| Memoranda: | ||
| Average total assets | $52,304,500 | 6,444 |
| Average earning assets | $48,003,000 | 6,412 |
| Average equity | $5,574,000 | 6,373 |
| Average total loans | $35,315,500 | 6,063 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0385% | 789 |
| Cost of funding earning assets | 1.6699% | 1,728 |
| Net interest margin | 4.3686% | 1,590 |
| Noninterest income to average assets | 0.4855% | 4,279 |
| Noninterest expense to average assets | 3.3115% | 2,704 |
| Loan and lease loss provision to assets | 0.0618% | 6,525 |
| Net operating income to assets | 0.5588% | 3,856 |
| Return on assets (ROA) | 0.5588% | 4,013 |
| Pretax return on assets | 0.8267% | 3,543 |
| Return on Equity (ROE) | 5.1213% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,376 |
| Net charge-offs to loans | 0.3528% | 4,255 |
| Credit loss provision to net charge-offs | 25.9615% | 6,522 |
| Earnings coverage of net charge-offs (x) | 3.7308% | 3,218 |
| Efficiency ratio | 78.8441% | 2,557 |
| Assets per employee ($millions) | 3.0925% | 5,895 |
| Cash dividends to net income (ytd only)* | 30.7377% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,289 |
| Loan loss allowance to noncurrent loans | 30.8458% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 4.8759% | 1,331 |
| Noncurrent loans to loans | 4.0418% | 1,793 |
| Net loans and leases to total assets | 68.0587% | 2,975 |
| Net loans and leases to deposits | 83.0239% | 2,627 |
| Net loans and leases to core deposits | 83.9105% | 3,607 |
| Total domestic deposits to total assets | 81.9748% | 5,198 |
| Equity capital to assets | 11.1283% | 2,568 |
| Core capital (leverage) ratio | 10.7528% | 2,350 |
| Tier 1 risk-based capital ratio | 19.2481% | 1,654 |
| Total risk-based capital ratio | 20.5026% | 1,626 |
| Memoranda: | ||
| Average total assets | $43,665,600 | 6,746 |
| Average earning assets | $37,128,400 | 6,835 |
| Average equity | $4,764,400 | 6,741 |
| Average total loans | $29,481,400 | 6,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0667% | 815 |
| Cost of funding earning assets | 1.7255% | 1,741 |
| Net interest margin | 4.3412% | 1,709 |
| Noninterest income to average assets | 0.5637% | 3,692 |
| Noninterest expense to average assets | 3.1262% | 3,207 |
| Loan and lease loss provision to assets | 0.0305% | 6,765 |
| Net operating income to assets | 0.8623% | 2,774 |
| Return on assets (ROA) | 0.8623% | 2,903 |
| Pretax return on assets | 1.0329% | 3,061 |
| Return on Equity (ROE) | 7.9419% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.8373% | 2,456 |
| Net charge-offs to loans | -0.0998% | 7,554 |
| Credit loss provision to net charge-offs | -45.4545% | 6,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6182% | 3,211 |
| Assets per employee ($millions) | 3.1730% | 5,740 |
| Cash dividends to net income (ytd only)* | 26.5027% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,475 |
| Loan loss allowance to noncurrent loans | 27.1905% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 5.1101% | 1,254 |
| Noncurrent loans to loans | 5.9293% | 1,063 |
| Net loans and leases to total assets | 66.0799% | 3,672 |
| Net loans and leases to deposits | 81.5933% | 3,173 |
| Net loans and leases to core deposits | 83.9333% | 3,948 |
| Total domestic deposits to total assets | 80.9869% | 5,369 |
| Equity capital to assets | 11.0936% | 2,860 |
| Core capital (leverage) ratio | 10.8775% | 2,353 |
| Tier 1 risk-based capital ratio | 18.5692% | 1,852 |
| Total risk-based capital ratio | 19.8276% | 1,819 |
| Memoranda: | ||
| Average total assets | $43,758,250 | 6,827 |
| Average earning assets | $36,548,250 | 6,936 |
| Average equity | $4,751,000 | 6,827 |
| Average total loans | $29,392,250 | 6,513 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0052% | 940 |
| Cost of funding earning assets | 1.7620% | 1,807 |
| Net interest margin | 4.2431% | 2,001 |
| Noninterest income to average assets | 0.4686% | 4,370 |
| Noninterest expense to average assets | 3.1422% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7074% | 3,369 |
| Return on assets (ROA) | 0.7074% | 3,523 |
| Pretax return on assets | 0.8774% | 3,588 |
| Return on Equity (ROE) | 6.5644% | 3,525 |
| Retained earnings to average equity (ytd only) | 3.3674% | 3,964 |
| Net charge-offs to loans | -0.0752% | 7,518 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1714% | 2,700 |
| Assets per employee ($millions) | 2.9124% | 6,331 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,688 |
| Loan loss allowance to noncurrent loans | 25.0681% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 5.3495% | 1,170 |
| Noncurrent loans to loans | 6.1629% | 1,023 |
| Net loans and leases to total assets | 67.1039% | 3,596 |
| Net loans and leases to deposits | 82.8903% | 3,099 |
| Net loans and leases to core deposits | 85.3098% | 3,933 |
| Total domestic deposits to total assets | 80.9550% | 5,414 |
| Equity capital to assets | 10.8730% | 2,993 |
| Core capital (leverage) ratio | 10.6928% | 2,470 |
| Tier 1 risk-based capital ratio | 18.7884% | 1,766 |
| Total risk-based capital ratio | 20.0444% | 1,738 |
| Memoranda: | ||
| Average total assets | $43,537,000 | 6,877 |
| Average earning assets | $36,435,330 | 6,987 |
| Average equity | $4,692,000 | 6,879 |
| Average total loans | $29,244,670 | 6,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9670% | 1,040 |
| Cost of funding earning assets | 1.8099% | 1,837 |
| Net interest margin | 4.1572% | 2,201 |
| Noninterest income to average assets | 0.4602% | 4,382 |
| Noninterest expense to average assets | 3.0647% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7087% | 3,401 |
| Return on assets (ROA) | 0.7087% | 3,508 |
| Pretax return on assets | 0.8835% | 3,524 |
| Return on Equity (ROE) | 6.6052% | 3,567 |
| Retained earnings to average equity (ytd only) | 0.1716% | 5,752 |
| Net charge-offs to loans | -0.2070% | 7,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6224% | 2,956 |
| Assets per employee ($millions) | 2.9099% | 6,417 |
| Cash dividends to net income (ytd only)* | 97.4026% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 3,471 |
| Loan loss allowance to noncurrent loans | 35.3120% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 4.4514% | 1,526 |
| Noncurrent loans to loans | 4.5161% | 1,657 |
| Net loans and leases to total assets | 65.5960% | 3,957 |
| Net loans and leases to deposits | 80.4857% | 3,556 |
| Net loans and leases to core deposits | 82.8161% | 4,380 |
| Total domestic deposits to total assets | 81.5001% | 5,268 |
| Equity capital to assets | 10.6898% | 3,051 |
| Core capital (leverage) ratio | 10.5067% | 2,615 |
| Tier 1 risk-based capital ratio | 18.2660% | 1,882 |
| Total risk-based capital ratio | 19.5240% | 1,849 |
| Memoranda: | ||
| Average total assets | $43,462,500 | 6,971 |
| Average earning assets | $36,467,000 | 7,081 |
| Average equity | $4,663,000 | 6,959 |
| Average total loans | $28,979,500 | 6,660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4807% | 701 |
| Cost of funding earning assets | 2.0959% | 2,480 |
| Net interest margin | 4.3848% | 1,479 |
| Noninterest income to average assets | 0.2899% | 6,037 |
| Noninterest expense to average assets | 3.4671% | 2,464 |
| Loan and lease loss provision to assets | 0.0071% | 7,397 |
| Net operating income to assets | 0.5854% | 3,385 |
| Return on assets (ROA) | 0.5893% | 3,448 |
| Pretax return on assets | 0.7082% | 3,542 |
| Return on Equity (ROE) | 5.4836% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.8252% | 2,524 |
| Net charge-offs to loans | 0.2181% | 5,259 |
| Credit loss provision to net charge-offs | 4.6154% | 6,993 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,891 |
| Efficiency ratio | 82.9920% | 2,478 |
| Assets per employee ($millions) | 2.8851% | 6,482 |
| Cash dividends to net income (ytd only)* | 30.2419% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,452 |
| Loan loss allowance to noncurrent loans | 45.2165% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 3.8127% | 1,746 |
| Noncurrent loans to loans | 3.4404% | 2,212 |
| Net loans and leases to total assets | 65.6576% | 4,247 |
| Net loans and leases to deposits | 80.7927% | 3,839 |
| Net loans and leases to core deposits | 91.4604% | 4,956 |
| Total domestic deposits to total assets | 81.2668% | 5,245 |
| Equity capital to assets | 10.7681% | 2,901 |
| Core capital (leverage) ratio | 10.4958% | 2,613 |
| Tier 1 risk-based capital ratio | 18.0837% | 1,868 |
| Total risk-based capital ratio | 19.3412% | 1,826 |
| Memoranda: | ||
| Average total assets | $42,081,000 | 7,025 |
| Average earning assets | $37,310,600 | 7,041 |
| Average equity | $4,522,600 | 7,106 |
| Average total loans | $29,804,400 | 6,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5182% | 719 |
| Cost of funding earning assets | 2.1382% | 2,716 |
| Net interest margin | 4.3800% | 1,492 |
| Noninterest income to average assets | 0.3510% | 5,682 |
| Noninterest expense to average assets | 3.3921% | 2,601 |
| Loan and lease loss provision to assets | 0.0096% | 7,233 |
| Net operating income to assets | 0.5987% | 3,608 |
| Return on assets (ROA) | 0.6031% | 3,644 |
| Pretax return on assets | 0.8712% | 3,313 |
| Return on Equity (ROE) | 5.6144% | 3,688 |
| Retained earnings to average equity (ytd only) | 3.3866% | 3,407 |
| Net charge-offs to loans | 0.1509% | 5,201 |
| Credit loss provision to net charge-offs | 8.8235% | 6,623 |
| Earnings coverage of net charge-offs (x) | 8.0591% | 2,312 |
| Efficiency ratio | 79.5064% | 2,921 |
| Assets per employee ($millions) | 2.8312% | 6,585 |
| Cash dividends to net income (ytd only)* | 39.6841% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 2,767 |
| Loan loss allowance to noncurrent loans | 41.1311% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 5.2204% | 1,113 |
| Noncurrent loans to loans | 4.0375% | 1,815 |
| Net loans and leases to total assets | 66.9304% | 4,203 |
| Net loans and leases to deposits | 82.7795% | 3,872 |
| Net loans and leases to core deposits | 94.6835% | 4,960 |
| Total domestic deposits to total assets | 80.8538% | 5,137 |
| Equity capital to assets | 10.9188% | 3,094 |
| Core capital (leverage) ratio | 10.5142% | 2,782 |
| Tier 1 risk-based capital ratio | 18.1012% | 1,952 |
| Total risk-based capital ratio | 19.3567% | 1,906 |
| Memoranda: | ||
| Average total assets | $41,782,250 | 7,081 |
| Average earning assets | $37,350,750 | 7,099 |
| Average equity | $4,488,250 | 7,187 |
| Average total loans | $30,039,750 | 6,677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5233% | 784 |
| Cost of funding earning assets | 2.1905% | 2,839 |
| Net interest margin | 4.3327% | 1,567 |
| Noninterest income to average assets | 0.3417% | 5,775 |
| Noninterest expense to average assets | 3.4365% | 2,518 |
| Loan and lease loss provision to assets | 0.0144% | 7,075 |
| Net operating income to assets | 0.4848% | 4,143 |
| Return on assets (ROA) | 0.4909% | 4,244 |
| Pretax return on assets | 0.7845% | 3,721 |
| Return on Equity (ROE) | 4.5960% | 4,261 |
| Retained earnings to average equity (ytd only) | 1.2166% | 4,668 |
| Net charge-offs to loans | 0.2433% | 3,978 |
| Credit loss provision to net charge-offs | 8.1081% | 6,202 |
| Earnings coverage of net charge-offs (x) | 4.4324% | 3,098 |
| Efficiency ratio | 81.3212% | 2,836 |
| Assets per employee ($millions) | 2.7353% | 6,766 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,738 |
| Loan loss allowance to noncurrent loans | 36.4958% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 5.8739% | 832 |
| Noncurrent loans to loans | 4.3874% | 1,478 |
| Net loans and leases to total assets | 71.4446% | 3,363 |
| Net loans and leases to deposits | 88.8596% | 3,021 |
| Net loans and leases to core deposits | 101.5204% | 4,342 |
| Total domestic deposits to total assets | 80.4017% | 5,319 |
| Equity capital to assets | 10.8972% | 3,022 |
| Core capital (leverage) ratio | 10.6361% | 2,711 |
| Tier 1 risk-based capital ratio | 17.4170% | 2,171 |
| Total risk-based capital ratio | 18.6762% | 2,124 |
| Memoranda: | ||
| Average total assets | $41,553,670 | 7,149 |
| Average earning assets | $37,251,330 | 7,165 |
| Average equity | $4,438,670 | 7,260 |
| Average total loans | $30,418,330 | 6,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3493% | 1,179 |
| Cost of funding earning assets | 2.2223% | 3,050 |
| Net interest margin | 4.1270% | 2,181 |
| Noninterest income to average assets | 0.4879% | 4,430 |
| Noninterest expense to average assets | 3.2141% | 2,927 |
| Loan and lease loss provision to assets | 0.0287% | 6,567 |
| Net operating income to assets | 0.6095% | 3,977 |
| Return on assets (ROA) | 0.6218% | 4,111 |
| Pretax return on assets | 0.9948% | 3,362 |
| Return on Equity (ROE) | 5.8790% | 4,089 |
| Retained earnings to average equity (ytd only) | -0.9045% | 5,866 |
| Net charge-offs to loans | 0.2343% | 3,235 |
| Credit loss provision to net charge-offs | 16.6667% | 5,117 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 2,597 |
| Efficiency ratio | 76.1905% | 3,456 |
| Assets per employee ($millions) | 2.8366% | 6,560 |
| Cash dividends to net income (ytd only)* | 115.3846% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 2,296 |
| Loan loss allowance to noncurrent loans | 30.5795% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 5.9578% | 673 |
| Noncurrent loans to loans | 5.4108% | 973 |
| Net loans and leases to total assets | 69.2872% | 3,845 |
| Net loans and leases to deposits | 87.4055% | 3,399 |
| Net loans and leases to core deposits | 101.5851% | 4,391 |
| Total domestic deposits to total assets | 79.2710% | 5,618 |
| Equity capital to assets | 10.4421% | 3,519 |
| Core capital (leverage) ratio | 10.5068% | 2,916 |
| Tier 1 risk-based capital ratio | 17.2178% | 2,262 |
| Total risk-based capital ratio | 18.4771% | 2,205 |
| Memoranda: | ||
| Average total assets | $41,816,000 | 7,175 |
| Average earning assets | $37,799,500 | 7,184 |
| Average equity | $4,422,500 | 7,310 |
| Average total loans | $30,732,500 | 6,719 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0482% | 1,012 |
| Cost of funding earning assets | 2.8332% | 2,568 |
| Net interest margin | 4.2149% | 2,257 |
| Noninterest income to average assets | 0.6011% | 3,838 |
| Noninterest expense to average assets | 3.1769% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9712% | 2,683 |
| Return on assets (ROA) | 0.9932% | 2,467 |
| Pretax return on assets | 1.2773% | 2,387 |
| Return on Equity (ROE) | 10.0906% | 2,227 |
| Retained earnings to average equity (ytd only) | 8.3015% | 755 |
| Net charge-offs to loans | 0.4689% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.6190% | 4,286 |
| Efficiency ratio | 71.7772% | 3,980 |
| Assets per employee ($millions) | 2.7389% | 6,705 |
| Cash dividends to net income (ytd only)* | 17.7305% | 4,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 2,146 |
| Loan loss allowance to noncurrent loans | 27.5027% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 5.9222% | 514 |
| Noncurrent loans to loans | 5.9007% | 621 |
| Net loans and leases to total assets | 75.4010% | 2,781 |
| Net loans and leases to deposits | 96.0497% | 2,444 |
| Net loans and leases to core deposits | 109.0087% | 3,865 |
| Total domestic deposits to total assets | 78.5021% | 5,549 |
| Equity capital to assets | 10.7149% | 3,286 |
| Core capital (leverage) ratio | 10.6418% | 2,872 |
| Tier 1 risk-based capital ratio | 17.0563% | 2,289 |
| Total risk-based capital ratio | 18.3165% | 2,242 |
| Memoranda: | ||
| Average total assets | $42,588,800 | 7,096 |
| Average earning assets | $38,648,200 | 7,105 |
| Average equity | $4,192,000 | 7,434 |
| Average total loans | $31,352,800 | 6,634 |