Home > Midwest National Bank > Performance and Condition Ratios
Midwest National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7121% | 912 |
| Cost of funding earning assets | 1.7930% | 1,259 |
| Net interest margin | 3.9191% | 1,339 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7127% | 1,701 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0754% | 1,990 |
| Return on assets (ROA) | 1.0554% | 2,018 |
| Pretax return on assets | 1.1291% | 2,323 |
| Return on Equity (ROE) | 13.2800% | 1,654 |
| Retained earnings to average equity (ytd only) | 9.3441% | 1,173 |
| Net charge-offs to loans | 0.0105% | 2,255 |
| Credit loss provision to net charge-offs | 428.5714% | 748 |
| Earnings coverage of net charge-offs (x) | 149.2857% | 708 |
| Efficiency ratio | 69.6044% | 1,929 |
| Assets per employee ($millions) | 4.2634% | 4,055 |
| Cash dividends to net income (ytd only)* | 29.6455% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,254 |
| Loan loss allowance to noncurrent loans | 106.0768% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 493 |
| Noncurrent loans to loans | 1.3535% | 514 |
| Net loans and leases to total assets | 72.8300% | 1,489 |
| Net loans and leases to deposits | 88.6310% | 1,383 |
| Net loans and leases to core deposits | 100.2039% | 1,419 |
| Total domestic deposits to total assets | 82.1700% | 3,099 |
| Equity capital to assets | 8.4194% | 3,108 |
| Core capital (leverage) ratio | 9.8603% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0140% | 1,272 |
| Memoranda: | ||
| Average total assets | $88,215,400 | 3,932 |
| Average earning assets | $80,758,600 | 3,922 |
| Average equity | $7,009,800 | 4,049 |
| Average total loans | $66,643,200 | 3,598 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 919 |
| Cost of funding earning assets | 1.6784% | 1,220 |
| Net interest margin | 3.9079% | 1,380 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6383% | 1,832 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0591% | 2,189 |
| Return on assets (ROA) | 1.0320% | 2,259 |
| Pretax return on assets | 1.1072% | 2,549 |
| Return on Equity (ROE) | 13.2000% | 1,863 |
| Retained earnings to average equity (ytd only) | 8.3479% | 1,853 |
| Net charge-offs to loans | 0.0162% | 1,819 |
| Credit loss provision to net charge-offs | 50.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 958 |
| Efficiency ratio | 69.7807% | 1,814 |
| Assets per employee ($millions) | 4.4977% | 3,943 |
| Cash dividends to net income (ytd only)* | 36.7560% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 1,484 |
| Loan loss allowance to noncurrent loans | 76.8254% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4007% | 280 |
| Noncurrent loans to loans | 1.8099% | 356 |
| Net loans and leases to total assets | 76.3200% | 1,080 |
| Net loans and leases to deposits | 92.2306% | 1,033 |
| Net loans and leases to core deposits | 102.9451% | 1,169 |
| Total domestic deposits to total assets | 82.7500% | 3,058 |
| Equity capital to assets | 7.5006% | 3,351 |
| Core capital (leverage) ratio | 9.4465% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5006% | 1,424 |
| Memoranda: | ||
| Average total assets | $86,820,500 | 3,964 |
| Average earning assets | $79,358,750 | 3,954 |
| Average equity | $6,788,000 | 4,070 |
| Average total loans | $65,978,500 | 3,620 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 771 |
| Cost of funding earning assets | 1.5585% | 1,148 |
| Net interest margin | 3.9980% | 1,249 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.5555% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1044% | 2,117 |
| Return on assets (ROA) | 1.0632% | 2,221 |
| Pretax return on assets | 1.1402% | 2,538 |
| Return on Equity (ROE) | 13.4100% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.9689% | 2,292 |
| Net charge-offs to loans | -0.0216% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.3292% | 1,942 |
| Assets per employee ($millions) | 4.6346% | 3,870 |
| Cash dividends to net income (ytd only)* | 48.0263% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,267 |
| Loan loss allowance to noncurrent loans | 111.6306% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 473 |
| Noncurrent loans to loans | 1.3195% | 536 |
| Net loans and leases to total assets | 74.3700% | 1,237 |
| Net loans and leases to deposits | 87.1323% | 1,417 |
| Net loans and leases to core deposits | 98.3406% | 1,328 |
| Total domestic deposits to total assets | 85.3500% | 2,443 |
| Equity capital to assets | 7.8709% | 3,294 |
| Core capital (leverage) ratio | 9.4538% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8245% | 1,354 |
| Memoranda: | ||
| Average total assets | $85,776,333 | 3,993 |
| Average earning assets | $77,638,000 | 3,987 |
| Average equity | $6,801,667 | 4,097 |
| Average total loans | $64,765,333 | 3,641 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 733 |
| Cost of funding earning assets | 1.3851% | 1,052 |
| Net interest margin | 4.0071% | 1,249 |
| Noninterest income to average assets | -0.0900% | 4,663 |
| Noninterest expense to average assets | 2.5474% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8615% | 2,986 |
| Return on assets (ROA) | 0.7798% | 3,211 |
| Pretax return on assets | 0.8554% | 3,334 |
| Return on Equity (ROE) | 9.8000% | 2,849 |
| Retained earnings to average equity (ytd only) | -1.4843% | 4,170 |
| Net charge-offs to loans | 0.0188% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 965 |
| Efficiency ratio | 72.9364% | 1,444 |
| Assets per employee ($millions) | 5.5482% | 3,172 |
| Cash dividends to net income (ytd only)* | 115.1515% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,303 |
| Loan loss allowance to noncurrent loans | 130.2419% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 565 |
| Noncurrent loans to loans | 1.1447% | 614 |
| Net loans and leases to total assets | 72.1300% | 1,411 |
| Net loans and leases to deposits | 85.8572% | 1,363 |
| Net loans and leases to core deposits | 97.5605% | 1,204 |
| Total domestic deposits to total assets | 84.0100% | 3,093 |
| Equity capital to assets | 7.6095% | 3,501 |
| Core capital (leverage) ratio | 9.4311% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4428% | 1,508 |
| Memoranda: | ||
| Average total assets | $84,635,500 | 4,055 |
| Average earning assets | $75,665,000 | 4,060 |
| Average equity | $6,737,000 | 4,153 |
| Average total loans | $63,915,500 | 3,697 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 426 |
| Cost of funding earning assets | 0.6457% | 732 |
| Net interest margin | 4.1599% | 592 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.6277% | 1,744 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2799% | 1,501 |
| Return on assets (ROA) | 1.2799% | 1,457 |
| Pretax return on assets | 1.3895% | 1,798 |
| Return on Equity (ROE) | 14.8000% | 1,311 |
| Retained earnings to average equity (ytd only) | 10.7443% | 947 |
| Net charge-offs to loans | 0.1743% | 481 |
| Credit loss provision to net charge-offs | 119.1919% | 1,465 |
| Earnings coverage of net charge-offs (x) | 11.9495% | 2,130 |
| Efficiency ratio | 62.9966% | 2,628 |
| Assets per employee ($millions) | 5.0313% | 3,654 |
| Cash dividends to net income (ytd only)* | 27.4210% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,088 |
| Loan loss allowance to noncurrent loans | 125.9403% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 335 |
| Noncurrent loans to loans | 1.2270% | 566 |
| Net loans and leases to total assets | 76.8500% | 914 |
| Net loans and leases to deposits | 87.2736% | 1,225 |
| Net loans and leases to core deposits | 98.8164% | 1,061 |
| Total domestic deposits to total assets | 88.0500% | 2,058 |
| Equity capital to assets | 8.3466% | 2,816 |
| Core capital (leverage) ratio | 10.3798% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1389% | 1,333 |
| Memoranda: | ||
| Average total assets | $76,645,200 | 4,162 |
| Average earning assets | $70,002,200 | 4,157 |
| Average equity | $6,626,800 | 4,260 |
| Average total loans | $56,814,800 | 3,793 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 348 |
| Cost of funding earning assets | 0.4953% | 764 |
| Net interest margin | 4.2155% | 406 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.5862% | 1,746 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.3037% | 1,340 |
| Return on assets (ROA) | 1.3037% | 1,307 |
| Pretax return on assets | 1.4411% | 1,596 |
| Return on Equity (ROE) | 14.9400% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.0143% | 1,335 |
| Net charge-offs to loans | 0.2459% | 272 |
| Credit loss provision to net charge-offs | 111.7647% | 1,260 |
| Earnings coverage of net charge-offs (x) | 9.1373% | 2,031 |
| Efficiency ratio | 61.1667% | 2,944 |
| Assets per employee ($millions) | 5.0917% | 3,599 |
| Cash dividends to net income (ytd only)* | 32.9730% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,031 |
| Loan loss allowance to noncurrent loans | 136.8794% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 501 |
| Noncurrent loans to loans | 1.1818% | 623 |
| Net loans and leases to total assets | 76.8400% | 826 |
| Net loans and leases to deposits | 88.0806% | 1,029 |
| Net loans and leases to core deposits | 96.0414% | 997 |
| Total domestic deposits to total assets | 87.2400% | 2,683 |
| Equity capital to assets | 7.9882% | 2,904 |
| Core capital (leverage) ratio | 10.5098% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1560% | 1,384 |
| Memoranda: | ||
| Average total assets | $75,681,500 | 4,204 |
| Average earning assets | $68,918,000 | 4,205 |
| Average equity | $6,603,750 | 4,303 |
| Average total loans | $55,310,000 | 3,829 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 325 |
| Cost of funding earning assets | 0.4135% | 843 |
| Net interest margin | 4.1671% | 355 |
| Noninterest income to average assets | 0.3658% | 2,953 |
| Noninterest expense to average assets | 2.5898% | 1,665 |
| Loan and lease loss provision to assets | 0.2598% | 271 |
| Net operating income to assets | 1.1266% | 1,679 |
| Return on assets (ROA) | 1.1266% | 1,657 |
| Pretax return on assets | 1.2830% | 1,803 |
| Return on Equity (ROE) | 12.5529% | 1,510 |
| Retained earnings to average equity (ytd only) | 6.2322% | 2,264 |
| Net charge-offs to loans | 0.3119% | 224 |
| Credit loss provision to net charge-offs | 116.6667% | 1,194 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 1,873 |
| Efficiency ratio | 62.6684% | 2,957 |
| Assets per employee ($millions) | 4.6038% | 4,004 |
| Cash dividends to net income (ytd only)* | 50.3529% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 899 |
| Loan loss allowance to noncurrent loans | 120.5479% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 416 |
| Noncurrent loans to loans | 1.4407% | 522 |
| Net loans and leases to total assets | 74.3528% | 878 |
| Net loans and leases to deposits | 85.8031% | 989 |
| Net loans and leases to core deposits | 88.8012% | 1,183 |
| Total domestic deposits to total assets | 86.6551% | 3,053 |
| Equity capital to assets | 8.1033% | 3,038 |
| Core capital (leverage) ratio | 9.7874% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7843% | 1,228 |
| Memoranda: | ||
| Average total assets | $75,450,333 | 4,255 |
| Average earning assets | $68,201,000 | 4,264 |
| Average equity | $6,771,333 | 4,342 |
| Average total loans | $53,862,000 | 3,894 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 351 |
| Cost of funding earning assets | 0.3973% | 887 |
| Net interest margin | 4.0549% | 374 |
| Noninterest income to average assets | 0.3930% | 2,740 |
| Noninterest expense to average assets | 2.5568% | 1,730 |
| Loan and lease loss provision to assets | 0.3039% | 203 |
| Net operating income to assets | 1.0688% | 1,625 |
| Return on assets (ROA) | 1.0688% | 1,615 |
| Pretax return on assets | 1.1684% | 1,924 |
| Return on Equity (ROE) | 11.3768% | 1,497 |
| Retained earnings to average equity (ytd only) | 0.4461% | 3,929 |
| Net charge-offs to loans | 0.0983% | 526 |
| Credit loss provision to net charge-offs | 446.1538% | 558 |
| Earnings coverage of net charge-offs (x) | 21.6154% | 1,253 |
| Efficiency ratio | 63.4590% | 3,088 |
| Assets per employee ($millions) | 5.2774% | 3,508 |
| Cash dividends to net income (ytd only)* | 96.0784% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 758 |
| Loan loss allowance to noncurrent loans | 118.2464% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 454 |
| Noncurrent loans to loans | 1.5956% | 504 |
| Net loans and leases to total assets | 65.5588% | 1,457 |
| Net loans and leases to deposits | 77.4212% | 1,333 |
| Net loans and leases to core deposits | 79.9917% | 1,480 |
| Total domestic deposits to total assets | 84.6781% | 3,619 |
| Equity capital to assets | 8.5522% | 3,115 |
| Core capital (leverage) ratio | 9.5310% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5103% | 1,380 |
| Memoranda: | ||
| Average total assets | $76,345,000 | 4,268 |
| Average earning assets | $68,461,000 | 4,285 |
| Average equity | $7,172,500 | 4,347 |
| Average total loans | $52,924,500 | 3,926 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 236 |
| Cost of funding earning assets | 0.5030% | 919 |
| Net interest margin | 4.5891% | 230 |
| Noninterest income to average assets | 0.3884% | 3,111 |
| Noninterest expense to average assets | 2.4960% | 2,193 |
| Loan and lease loss provision to assets | 0.4782% | 122 |
| Net operating income to assets | 1.4836% | 1,051 |
| Return on assets (ROA) | 1.4836% | 1,105 |
| Pretax return on assets | 1.5846% | 1,469 |
| Return on Equity (ROE) | 13.5294% | 1,299 |
| Retained earnings to average equity (ytd only) | 0.3069% | 4,413 |
| Net charge-offs to loans | 0.3998% | 211 |
| Credit loss provision to net charge-offs | 165.5340% | 1,433 |
| Earnings coverage of net charge-offs (x) | 7.1408% | 2,360 |
| Efficiency ratio | 54.7524% | 3,849 |
| Assets per employee ($millions) | 4.9019% | 3,821 |
| Cash dividends to net income (ytd only)* | 97.7316% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 867 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 401 |
| Noncurrent loans to loans | 1.6920% | 507 |
| Net loans and leases to total assets | 70.7231% | 957 |
| Net loans and leases to deposits | 85.7963% | 802 |
| Net loans and leases to core deposits | 88.9547% | 1,020 |
| Total domestic deposits to total assets | 82.4314% | 3,901 |
| Equity capital to assets | 10.3021% | 2,370 |
| Core capital (leverage) ratio | 10.0566% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8825% | 1,291 |
| Memoranda: | ||
| Average total assets | $71,313,400 | 4,329 |
| Average earning assets | $64,805,600 | 4,326 |
| Average equity | $7,820,000 | 4,346 |
| Average total loans | $51,522,600 | 3,970 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 296 |
| Cost of funding earning assets | 0.5254% | 929 |
| Net interest margin | 4.4797% | 325 |
| Noninterest income to average assets | 0.3637% | 3,278 |
| Noninterest expense to average assets | 2.5117% | 2,087 |
| Loan and lease loss provision to assets | 0.4876% | 114 |
| Net operating income to assets | 1.4075% | 1,515 |
| Return on assets (ROA) | 1.4075% | 1,574 |
| Pretax return on assets | 1.4283% | 2,219 |
| Return on Equity (ROE) | 12.6373% | 1,822 |
| Retained earnings to average equity (ytd only) | 9.1523% | 1,636 |
| Net charge-offs to loans | 0.4430% | 172 |
| Credit loss provision to net charge-offs | 152.3529% | 1,350 |
| Earnings coverage of net charge-offs (x) | 5.9824% | 2,200 |
| Efficiency ratio | 56.7234% | 3,449 |
| Assets per employee ($millions) | 5.0904% | 3,615 |
| Cash dividends to net income (ytd only)* | 27.5770% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 1,044 |
| Loan loss allowance to noncurrent loans | 93.1211% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 390 |
| Noncurrent loans to loans | 1.8607% | 504 |
| Net loans and leases to total assets | 72.1785% | 858 |
| Net loans and leases to deposits | 89.2246% | 643 |
| Net loans and leases to core deposits | 90.1046% | 1,029 |
| Total domestic deposits to total assets | 80.8953% | 4,110 |
| Equity capital to assets | 11.5316% | 1,649 |
| Core capital (leverage) ratio | 10.8155% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8491% | 1,164 |
| Memoranda: | ||
| Average total assets | $70,759,500 | 4,387 |
| Average earning assets | $64,198,500 | 4,390 |
| Average equity | $7,881,250 | 4,401 |
| Average total loans | $51,164,750 | 4,027 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 412 |
| Cost of funding earning assets | 0.5458% | 963 |
| Net interest margin | 4.3445% | 457 |
| Noninterest income to average assets | 0.3768% | 3,235 |
| Noninterest expense to average assets | 2.4564% | 2,288 |
| Loan and lease loss provision to assets | 0.5496% | 89 |
| Net operating income to assets | 1.2608% | 1,988 |
| Return on assets (ROA) | 1.2608% | 2,063 |
| Pretax return on assets | 1.2948% | 2,644 |
| Return on Equity (ROE) | 11.4558% | 2,249 |
| Retained earnings to average equity (ytd only) | 6.6933% | 2,542 |
| Net charge-offs to loans | 0.8272% | 97 |
| Credit loss provision to net charge-offs | 92.3810% | 1,426 |
| Earnings coverage of net charge-offs (x) | 3.1000% | 2,091 |
| Efficiency ratio | 57.1146% | 3,389 |
| Assets per employee ($millions) | 5.2403% | 3,421 |
| Cash dividends to net income (ytd only)* | 41.5730% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,400 |
| Loan loss allowance to noncurrent loans | 64.8343% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.6861% | 306 |
| Noncurrent loans to loans | 2.4019% | 355 |
| Net loans and leases to total assets | 69.1061% | 1,309 |
| Net loans and leases to deposits | 84.5477% | 1,020 |
| Net loans and leases to core deposits | 86.1408% | 1,405 |
| Total domestic deposits to total assets | 81.7363% | 3,970 |
| Equity capital to assets | 10.7928% | 2,154 |
| Core capital (leverage) ratio | 10.3866% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6171% | 1,013 |
| Memoranda: | ||
| Average total assets | $70,591,000 | 4,417 |
| Average earning assets | $63,758,667 | 4,422 |
| Average equity | $7,769,000 | 4,439 |
| Average total loans | $50,771,333 | 4,066 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 443 |
| Cost of funding earning assets | 0.5750% | 987 |
| Net interest margin | 4.2808% | 532 |
| Noninterest income to average assets | 0.3063% | 3,578 |
| Noninterest expense to average assets | 2.4276% | 2,409 |
| Loan and lease loss provision to assets | 0.6474% | 86 |
| Net operating income to assets | 0.9999% | 2,807 |
| Return on assets (ROA) | 0.9999% | 2,900 |
| Pretax return on assets | 1.1040% | 3,100 |
| Return on Equity (ROE) | 8.9934% | 3,042 |
| Retained earnings to average equity (ytd only) | 2.1314% | 3,983 |
| Net charge-offs to loans | 0.2698% | 315 |
| Credit loss provision to net charge-offs | 329.4118% | 726 |
| Earnings coverage of net charge-offs (x) | 8.9118% | 1,554 |
| Efficiency ratio | 58.0913% | 3,287 |
| Assets per employee ($millions) | 5.1548% | 3,479 |
| Cash dividends to net income (ytd only)* | 76.3006% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 969 |
| Loan loss allowance to noncurrent loans | 109.4132% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 677 |
| Noncurrent loans to loans | 1.5867% | 767 |
| Net loans and leases to total assets | 70.1955% | 1,262 |
| Net loans and leases to deposits | 84.2195% | 1,124 |
| Net loans and leases to core deposits | 85.7970% | 1,537 |
| Total domestic deposits to total assets | 83.3483% | 3,603 |
| Equity capital to assets | 10.6046% | 2,172 |
| Core capital (leverage) ratio | 10.6299% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2919% | 1,220 |
| Memoranda: | ||
| Average total assets | $69,204,500 | 4,446 |
| Average earning assets | $62,604,500 | 4,452 |
| Average equity | $7,694,500 | 4,460 |
| Average total loans | $50,406,500 | 4,094 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 217 |
| Cost of funding earning assets | 0.7116% | 1,667 |
| Net interest margin | 4.6940% | 218 |
| Noninterest income to average assets | 0.3456% | 3,395 |
| Noninterest expense to average assets | 2.4499% | 2,994 |
| Loan and lease loss provision to assets | 0.4543% | 611 |
| Net operating income to assets | 1.6962% | 499 |
| Return on assets (ROA) | 1.7636% | 452 |
| Pretax return on assets | 1.7798% | 719 |
| Return on Equity (ROE) | 15.1951% | 612 |
| Retained earnings to average equity (ytd only) | 12.3854% | 286 |
| Net charge-offs to loans | 0.1795% | 935 |
| Credit loss provision to net charge-offs | 341.4634% | 1,603 |
| Earnings coverage of net charge-offs (x) | 16.2805% | 2,141 |
| Efficiency ratio | 53.0756% | 4,301 |
| Assets per employee ($millions) | 4.7316% | 3,688 |
| Cash dividends to net income (ytd only)* | 18.4913% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,135 |
| Loan loss allowance to noncurrent loans | 123.1928% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 947 |
| Noncurrent loans to loans | 1.3479% | 1,006 |
| Net loans and leases to total assets | 73.1288% | 1,142 |
| Net loans and leases to deposits | 89.4523% | 965 |
| Net loans and leases to core deposits | 91.3156% | 1,438 |
| Total domestic deposits to total assets | 81.7518% | 3,720 |
| Equity capital to assets | 11.6784% | 1,748 |
| Core capital (leverage) ratio | 11.1071% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2209% | 1,016 |
| Memoranda: | ||
| Average total assets | $61,634,600 | 4,493 |
| Average earning assets | $56,071,000 | 4,494 |
| Average equity | $7,153,600 | 4,508 |
| Average total loans | $45,670,200 | 4,193 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3329% | 327 |
| Cost of funding earning assets | 0.7377% | 1,814 |
| Net interest margin | 4.5953% | 310 |
| Noninterest income to average assets | 0.3285% | 3,517 |
| Noninterest expense to average assets | 2.4601% | 2,963 |
| Loan and lease loss provision to assets | 0.3191% | 1,242 |
| Net operating income to assets | 1.7160% | 557 |
| Return on assets (ROA) | 1.8076% | 494 |
| Pretax return on assets | 1.8297% | 743 |
| Return on Equity (ROE) | 15.6008% | 596 |
| Retained earnings to average equity (ytd only) | 12.1763% | 401 |
| Net charge-offs to loans | 0.0179% | 2,502 |
| Credit loss provision to net charge-offs | 2,416.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 584 |
| Efficiency ratio | 54.4656% | 4,102 |
| Assets per employee ($millions) | 4.6110% | 3,712 |
| Cash dividends to net income (ytd only)* | 21.9512% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,266 |
| Loan loss allowance to noncurrent loans | 165.7205% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 1,646 |
| Noncurrent loans to loans | 0.9298% | 1,609 |
| Net loans and leases to total assets | 75.1293% | 1,221 |
| Net loans and leases to deposits | 92.1264% | 1,060 |
| Net loans and leases to core deposits | 94.0979% | 1,632 |
| Total domestic deposits to total assets | 81.5503% | 3,530 |
| Equity capital to assets | 11.5717% | 1,949 |
| Core capital (leverage) ratio | 10.8806% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2924% | 1,188 |
| Memoranda: | ||
| Average total assets | $60,482,750 | 4,525 |
| Average earning assets | $55,128,000 | 4,522 |
| Average equity | $7,008,000 | 4,541 |
| Average total loans | $44,772,750 | 4,230 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 376 |
| Cost of funding earning assets | 0.7615% | 2,041 |
| Net interest margin | 4.6767% | 357 |
| Noninterest income to average assets | 0.3213% | 3,540 |
| Noninterest expense to average assets | 2.5167% | 2,920 |
| Loan and lease loss provision to assets | 0.3383% | 1,265 |
| Net operating income to assets | 1.6942% | 629 |
| Return on assets (ROA) | 1.8334% | 517 |
| Pretax return on assets | 1.8672% | 717 |
| Return on Equity (ROE) | 15.8156% | 597 |
| Retained earnings to average equity (ytd only) | 10.5632% | 678 |
| Net charge-offs to loans | -0.0046% | 3,995 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9483% | 4,067 |
| Assets per employee ($millions) | 4.5686% | 3,696 |
| Cash dividends to net income (ytd only)* | 33.2103% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,133 |
| Loan loss allowance to noncurrent loans | 219.8171% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 2,301 |
| Noncurrent loans to loans | 0.7037% | 2,119 |
| Net loans and leases to total assets | 71.7480% | 1,763 |
| Net loans and leases to deposits | 87.6483% | 1,596 |
| Net loans and leases to core deposits | 92.6247% | 1,847 |
| Total domestic deposits to total assets | 81.8590% | 3,407 |
| Equity capital to assets | 11.2179% | 2,167 |
| Core capital (leverage) ratio | 11.0283% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4979% | 1,133 |
| Memoranda: | ||
| Average total assets | $59,125,667 | 4,556 |
| Average earning assets | $53,841,000 | 4,553 |
| Average equity | $6,854,000 | 4,584 |
| Average total loans | $43,277,667 | 4,283 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 327 |
| Cost of funding earning assets | 0.8065% | 2,345 |
| Net interest margin | 4.7539% | 299 |
| Noninterest income to average assets | 0.3738% | 3,271 |
| Noninterest expense to average assets | 2.7368% | 2,609 |
| Loan and lease loss provision to assets | 0.3879% | 788 |
| Net operating income to assets | 1.5014% | 782 |
| Return on assets (ROA) | 1.4813% | 894 |
| Pretax return on assets | 1.5518% | 1,171 |
| Return on Equity (ROE) | 12.5495% | 973 |
| Retained earnings to average equity (ytd only) | 5.5576% | 2,047 |
| Net charge-offs to loans | 0.0192% | 1,980 |
| Credit loss provision to net charge-offs | 2,750.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 457 |
| Efficiency ratio | 58.2583% | 3,962 |
| Assets per employee ($millions) | 4.0936% | 3,793 |
| Cash dividends to net income (ytd only)* | 55.7143% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,079 |
| Loan loss allowance to noncurrent loans | 107.5080% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 1,196 |
| Noncurrent loans to loans | 1.4852% | 1,076 |
| Net loans and leases to total assets | 72.3696% | 1,861 |
| Net loans and leases to deposits | 82.5883% | 2,371 |
| Net loans and leases to core deposits | 87.4834% | 2,566 |
| Total domestic deposits to total assets | 87.6269% | 1,262 |
| Equity capital to assets | 11.8827% | 2,154 |
| Core capital (leverage) ratio | 11.5464% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6248% | 1,049 |
| Memoranda: | ||
| Average total assets | $56,708,500 | 4,594 |
| Average earning assets | $51,579,000 | 4,610 |
| Average equity | $6,693,500 | 4,634 |
| Average total loans | $41,611,000 | 4,335 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 513 |
| Cost of funding earning assets | 0.8390% | 2,496 |
| Net interest margin | 4.7123% | 457 |
| Noninterest income to average assets | 0.4109% | 3,226 |
| Noninterest expense to average assets | 3.0922% | 1,783 |
| Loan and lease loss provision to assets | 0.2867% | 599 |
| Net operating income to assets | 1.3299% | 1,580 |
| Return on assets (ROA) | 1.3053% | 1,748 |
| Pretax return on assets | 1.3225% | 2,429 |
| Return on Equity (ROE) | 11.0329% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.2221% | 907 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4266% | 2,850 |
| Assets per employee ($millions) | 4.0076% | 3,893 |
| Cash dividends to net income (ytd only)* | 25.4758% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,200 |
| Loan loss allowance to noncurrent loans | 231.3433% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,500 |
| Noncurrent loans to loans | 0.6525% | 2,260 |
| Net loans and leases to total assets | 72.1015% | 2,075 |
| Net loans and leases to deposits | 82.1551% | 2,542 |
| Net loans and leases to core deposits | 87.1215% | 2,694 |
| Total domestic deposits to total assets | 87.7627% | 1,244 |
| Equity capital to assets | 11.7222% | 2,340 |
| Core capital (leverage) ratio | 11.6021% | 2,038 |
| Tier 1 risk-based capital ratio | 17.2975% | 1,963 |
| Total risk-based capital ratio | 18.5503% | 1,907 |
| Memoranda: | ||
| Average total assets | $52,325,000 | 4,713 |
| Average earning assets | $47,917,000 | 4,713 |
| Average equity | $6,190,600 | 4,735 |
| Average total loans | $37,497,000 | 4,464 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 595 |
| Cost of funding earning assets | 0.8397% | 2,512 |
| Net interest margin | 4.6481% | 551 |
| Noninterest income to average assets | 0.4308% | 3,139 |
| Noninterest expense to average assets | 3.1322% | 1,632 |
| Loan and lease loss provision to assets | 0.2725% | 572 |
| Net operating income to assets | 1.2682% | 1,958 |
| Return on assets (ROA) | 1.2326% | 2,163 |
| Pretax return on assets | 1.2560% | 2,793 |
| Return on Equity (ROE) | 10.3925% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.5637% | 2,078 |
| Net charge-offs to loans | 0.0292% | 2,508 |
| Credit loss provision to net charge-offs | 1,312.5000% | 279 |
| Earnings coverage of net charge-offs (x) | 75.3496% | 896 |
| Efficiency ratio | 66.6851% | 2,637 |
| Assets per employee ($millions) | 3.8379% | 4,117 |
| Cash dividends to net income (ytd only)* | 36.8424% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,422 |
| Loan loss allowance to noncurrent loans | 214.7727% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 2,402 |
| Noncurrent loans to loans | 0.6703% | 2,277 |
| Net loans and leases to total assets | 72.2469% | 2,139 |
| Net loans and leases to deposits | 82.6464% | 2,601 |
| Net loans and leases to core deposits | 87.8934% | 2,745 |
| Total domestic deposits to total assets | 87.4169% | 1,301 |
| Equity capital to assets | 11.8833% | 2,343 |
| Core capital (leverage) ratio | 11.7862% | 2,006 |
| Tier 1 risk-based capital ratio | 17.4070% | 1,970 |
| Total risk-based capital ratio | 18.6597% | 1,930 |
| Memoranda: | ||
| Average total assets | $51,379,500 | 4,796 |
| Average earning assets | $47,157,750 | 4,796 |
| Average equity | $6,094,000 | 4,808 |
| Average total loans | $36,602,750 | 4,544 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 589 |
| Cost of funding earning assets | 0.8134% | 2,584 |
| Net interest margin | 4.6642% | 530 |
| Noninterest income to average assets | 0.4151% | 3,166 |
| Noninterest expense to average assets | 3.1781% | 1,555 |
| Loan and lease loss provision to assets | 0.2372% | 669 |
| Net operating income to assets | 1.2259% | 2,051 |
| Return on assets (ROA) | 1.2412% | 2,053 |
| Pretax return on assets | 1.2768% | 2,645 |
| Return on Equity (ROE) | 10.4719% | 2,192 |
| Retained earnings to average equity (ytd only) | 5.3360% | 2,604 |
| Net charge-offs to loans | 0.0168% | 2,552 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 126.3333% | 576 |
| Efficiency ratio | 67.9628% | 2,536 |
| Assets per employee ($millions) | 3.7216% | 4,217 |
| Cash dividends to net income (ytd only)* | 49.0446% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,600 |
| Loan loss allowance to noncurrent loans | 292.7778% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 3,152 |
| Noncurrent loans to loans | 0.4792% | 2,841 |
| Net loans and leases to total assets | 71.0880% | 2,365 |
| Net loans and leases to deposits | 81.2562% | 2,811 |
| Net loans and leases to core deposits | 86.0772% | 2,954 |
| Total domestic deposits to total assets | 87.4863% | 1,347 |
| Equity capital to assets | 11.8746% | 2,284 |
| Core capital (leverage) ratio | 11.9345% | 1,868 |
| Tier 1 risk-based capital ratio | 17.1905% | 2,032 |
| Total risk-based capital ratio | 18.4419% | 1,981 |
| Memoranda: | ||
| Average total assets | $50,595,670 | 4,837 |
| Average earning assets | $46,224,330 | 4,849 |
| Average equity | $5,997,000 | 4,851 |
| Average total loans | $35,675,000 | 4,599 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 601 |
| Cost of funding earning assets | 0.7964% | 2,558 |
| Net interest margin | 4.6280% | 573 |
| Noninterest income to average assets | 0.3611% | 3,436 |
| Noninterest expense to average assets | 2.8972% | 2,286 |
| Loan and lease loss provision to assets | 0.2408% | 620 |
| Net operating income to assets | 1.3499% | 1,530 |
| Return on assets (ROA) | 1.3804% | 1,467 |
| Pretax return on assets | 1.4526% | 1,911 |
| Return on Equity (ROE) | 11.6571% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.8797% | 2,957 |
| Net charge-offs to loans | -0.0921% | 5,009 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5563% | 3,308 |
| Assets per employee ($millions) | 3.6146% | 4,449 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,516 |
| Loan loss allowance to noncurrent loans | 184.7273% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 2,225 |
| Noncurrent loans to loans | 0.7838% | 2,075 |
| Net loans and leases to total assets | 68.3292% | 2,710 |
| Net loans and leases to deposits | 78.2821% | 3,032 |
| Net loans and leases to core deposits | 83.0822% | 3,102 |
| Total domestic deposits to total assets | 87.2858% | 1,672 |
| Equity capital to assets | 11.8506% | 2,117 |
| Core capital (leverage) ratio | 12.0465% | 1,743 |
| Tier 1 risk-based capital ratio | 17.6045% | 1,911 |
| Total risk-based capital ratio | 18.8553% | 1,865 |
| Memoranda: | ||
| Average total assets | $49,842,000 | 4,900 |
| Average earning assets | $45,203,000 | 4,915 |
| Average equity | $5,902,000 | 4,903 |
| Average total loans | $34,729,500 | 4,677 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 564 |
| Cost of funding earning assets | 0.6204% | 2,585 |
| Net interest margin | 4.6957% | 492 |
| Noninterest income to average assets | 0.4932% | 2,867 |
| Noninterest expense to average assets | 3.0382% | 1,974 |
| Loan and lease loss provision to assets | 0.3758% | 385 |
| Net operating income to assets | 1.3942% | 1,448 |
| Return on assets (ROA) | 1.3579% | 1,573 |
| Pretax return on assets | 1.3579% | 2,282 |
| Return on Equity (ROE) | 11.4401% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.6160% | 1,009 |
| Net charge-offs to loans | 0.4261% | 432 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 6.2803% | 3,104 |
| Efficiency ratio | 63.1883% | 3,306 |
| Assets per employee ($millions) | 3.7753% | 4,218 |
| Cash dividends to net income (ytd only)* | 24.6855% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,758 |
| Loan loss allowance to noncurrent loans | 130.1939% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 1,720 |
| Noncurrent loans to loans | 1.0502% | 1,554 |
| Net loans and leases to total assets | 69.0784% | 2,718 |
| Net loans and leases to deposits | 79.1701% | 3,041 |
| Net loans and leases to core deposits | 84.1850% | 3,070 |
| Total domestic deposits to total assets | 87.2532% | 1,662 |
| Equity capital to assets | 11.8319% | 2,008 |
| Core capital (leverage) ratio | 12.1673% | 1,629 |
| Tier 1 risk-based capital ratio | 17.1103% | 2,029 |
| Total risk-based capital ratio | 18.3607% | 1,974 |
| Memoranda: | ||
| Average total assets | $46,837,000 | 4,999 |
| Average earning assets | $43,039,400 | 4,990 |
| Average equity | $5,559,400 | 4,961 |
| Average total loans | $30,975,800 | 4,794 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 534 |
| Cost of funding earning assets | 0.5635% | 2,754 |
| Net interest margin | 4.7269% | 443 |
| Noninterest income to average assets | 0.5071% | 2,824 |
| Noninterest expense to average assets | 3.1433% | 1,662 |
| Loan and lease loss provision to assets | 0.2391% | 666 |
| Net operating income to assets | 1.4632% | 1,294 |
| Return on assets (ROA) | 1.4204% | 1,416 |
| Pretax return on assets | 1.4319% | 2,113 |
| Return on Equity (ROE) | 11.9567% | 1,802 |
| Retained earnings to average equity (ytd only) | 8.1490% | 1,580 |
| Net charge-offs to loans | 0.2390% | 716 |
| Credit loss provision to net charge-offs | 153.7037% | 1,672 |
| Earnings coverage of net charge-offs (x) | 11.0182% | 2,549 |
| Efficiency ratio | 64.7094% | 3,069 |
| Assets per employee ($millions) | 3.4099% | 4,671 |
| Cash dividends to net income (ytd only)* | 31.8460% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,686 |
| Loan loss allowance to noncurrent loans | 134.1176% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 2,070 |
| Noncurrent loans to loans | 1.0459% | 1,630 |
| Net loans and leases to total assets | 67.1401% | 3,057 |
| Net loans and leases to deposits | 76.9593% | 3,330 |
| Net loans and leases to core deposits | 81.9807% | 3,328 |
| Total domestic deposits to total assets | 87.2410% | 1,624 |
| Equity capital to assets | 11.7577% | 2,066 |
| Core capital (leverage) ratio | 12.3176% | 1,600 |
| Tier 1 risk-based capital ratio | 16.9730% | 2,116 |
| Total risk-based capital ratio | 18.2225% | 2,064 |
| Memoranda: | ||
| Average total assets | $46,276,500 | 5,063 |
| Average earning assets | $42,592,250 | 5,059 |
| Average equity | $5,497,500 | 5,029 |
| Average total loans | $30,126,500 | 4,872 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 548 |
| Cost of funding earning assets | 0.5311% | 2,756 |
| Net interest margin | 4.6759% | 468 |
| Noninterest income to average assets | 0.5023% | 2,850 |
| Noninterest expense to average assets | 3.1536% | 1,654 |
| Loan and lease loss provision to assets | 0.1878% | 941 |
| Net operating income to assets | 1.4495% | 1,281 |
| Return on assets (ROA) | 1.3890% | 1,478 |
| Pretax return on assets | 1.4065% | 2,120 |
| Return on Equity (ROE) | 11.6505% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.6679% | 2,222 |
| Net charge-offs to loans | 0.1568% | 984 |
| Credit loss provision to net charge-offs | 186.9565% | 1,365 |
| Earnings coverage of net charge-offs (x) | 16.4783% | 1,996 |
| Efficiency ratio | 65.5767% | 3,046 |
| Assets per employee ($millions) | 3.2950% | 4,823 |
| Cash dividends to net income (ytd only)* | 42.7673% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,586 |
| Loan loss allowance to noncurrent loans | 162.1818% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,438 |
| Noncurrent loans to loans | 0.8898% | 1,941 |
| Net loans and leases to total assets | 66.0286% | 3,146 |
| Net loans and leases to deposits | 75.7705% | 3,360 |
| Net loans and leases to core deposits | 76.3403% | 3,721 |
| Total domestic deposits to total assets | 87.1429% | 1,777 |
| Equity capital to assets | 11.9228% | 1,904 |
| Core capital (leverage) ratio | 12.1623% | 1,614 |
| Tier 1 risk-based capital ratio | 17.1418% | 2,052 |
| Total risk-based capital ratio | 18.3927% | 1,998 |
| Memoranda: | ||
| Average total assets | $45,789,000 | 5,133 |
| Average earning assets | $42,174,000 | 5,124 |
| Average equity | $5,459,000 | 5,087 |
| Average total loans | $29,332,670 | 4,937 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 447 |
| Cost of funding earning assets | 0.4979% | 2,810 |
| Net interest margin | 4.7490% | 374 |
| Noninterest income to average assets | 0.4121% | 3,382 |
| Noninterest expense to average assets | 3.1917% | 1,583 |
| Loan and lease loss provision to assets | 0.2718% | 508 |
| Net operating income to assets | 1.2977% | 1,646 |
| Return on assets (ROA) | 1.1750% | 2,125 |
| Pretax return on assets | 1.1750% | 2,870 |
| Return on Equity (ROE) | 9.8557% | 2,507 |
| Retained earnings to average equity (ytd only) | 2.9420% | 4,019 |
| Net charge-offs to loans | 0.4204% | 368 |
| Credit loss provision to net charge-offs | 103.3333% | 1,509 |
| Earnings coverage of net charge-offs (x) | 5.9667% | 2,188 |
| Efficiency ratio | 67.0350% | 3,002 |
| Assets per employee ($millions) | 3.2878% | 4,911 |
| Cash dividends to net income (ytd only)* | 70.1493% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,556 |
| Loan loss allowance to noncurrent loans | 119.2737% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 2,019 |
| Noncurrent loans to loans | 1.2375% | 1,469 |
| Net loans and leases to total assets | 61.9240% | 3,561 |
| Net loans and leases to deposits | 70.3621% | 3,756 |
| Net loans and leases to core deposits | 70.8871% | 4,032 |
| Total domestic deposits to total assets | 88.0076% | 1,616 |
| Equity capital to assets | 11.7339% | 1,966 |
| Core capital (leverage) ratio | 12.0480% | 1,623 |
| Tier 1 risk-based capital ratio | 17.7944% | 1,893 |
| Total risk-based capital ratio | 19.0456% | 1,841 |
| Memoranda: | ||
| Average total assets | $45,618,500 | 5,196 |
| Average earning assets | $41,777,500 | 5,191 |
| Average equity | $5,438,500 | 5,147 |
| Average total loans | $28,546,500 | 5,002 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 1,139 |
| Cost of funding earning assets | 0.5400% | 2,032 |
| Net interest margin | 4.1853% | 1,218 |
| Noninterest income to average assets | 0.4583% | 3,258 |
| Noninterest expense to average assets | 3.3234% | 1,326 |
| Loan and lease loss provision to assets | 0.1151% | 1,972 |
| Net operating income to assets | 0.8044% | 3,137 |
| Return on assets (ROA) | 1.0938% | 1,898 |
| Pretax return on assets | 1.1048% | 3,168 |
| Return on Equity (ROE) | 9.0235% | 2,305 |
| Retained earnings to average equity (ytd only) | 3.5802% | 3,125 |
| Net charge-offs to loans | 0.2053% | 1,261 |
| Credit loss provision to net charge-offs | 110.6383% | 2,350 |
| Earnings coverage of net charge-offs (x) | 8.9149% | 2,853 |
| Efficiency ratio | 78.1771% | 1,322 |
| Assets per employee ($millions) | 3.2328% | 5,001 |
| Cash dividends to net income (ytd only)* | 60.3239% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,067 |
| Loan loss allowance to noncurrent loans | 110.2941% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 2,086 |
| Noncurrent loans to loans | 1.2073% | 1,470 |
| Net loans and leases to total assets | 61.3977% | 3,692 |
| Net loans and leases to deposits | 70.1274% | 3,864 |
| Net loans and leases to core deposits | 70.6624% | 4,133 |
| Total domestic deposits to total assets | 87.5516% | 1,730 |
| Equity capital to assets | 12.2119% | 1,693 |
| Core capital (leverage) ratio | 12.0615% | 1,570 |
| Tier 1 risk-based capital ratio | 17.1135% | 2,052 |
| Total risk-based capital ratio | 18.2772% | 2,033 |
| Memoranda: | ||
| Average total assets | $45,165,000 | 5,251 |
| Average earning assets | $40,928,800 | 5,257 |
| Average equity | $5,474,600 | 5,188 |
| Average total loans | $22,887,800 | 5,230 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,420 |
| Cost of funding earning assets | 0.5476% | 1,911 |
| Net interest margin | 4.0331% | 1,593 |
| Noninterest income to average assets | 0.4253% | 3,514 |
| Noninterest expense to average assets | 3.2815% | 1,392 |
| Loan and lease loss provision to assets | 0.0679% | 2,716 |
| Net operating income to assets | 0.6979% | 4,001 |
| Return on assets (ROA) | 1.0722% | 2,267 |
| Pretax return on assets | 1.0869% | 3,350 |
| Return on Equity (ROE) | 8.8619% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.9314% | 2,931 |
| Net charge-offs to loans | 0.1793% | 1,172 |
| Credit loss provision to net charge-offs | 79.3103% | 2,596 |
| Earnings coverage of net charge-offs (x) | 9.0680% | 2,724 |
| Efficiency ratio | 80.8588% | 1,012 |
| Assets per employee ($millions) | 3.2264% | 5,041 |
| Cash dividends to net income (ytd only)* | 44.3522% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,646 |
| Loan loss allowance to noncurrent loans | 129.5374% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 2,649 |
| Noncurrent loans to loans | 1.1343% | 1,697 |
| Net loans and leases to total assets | 54.0403% | 4,412 |
| Net loans and leases to deposits | 61.9260% | 4,512 |
| Net loans and leases to core deposits | 62.4009% | 4,690 |
| Total domestic deposits to total assets | 87.2659% | 1,743 |
| Equity capital to assets | 12.4884% | 1,663 |
| Core capital (leverage) ratio | 12.2455% | 1,544 |
| Tier 1 risk-based capital ratio | 18.8387% | 1,637 |
| Total risk-based capital ratio | 20.0805% | 1,589 |
| Memoranda: | ||
| Average total assets | $45,141,500 | 5,304 |
| Average earning assets | $40,663,000 | 5,318 |
| Average equity | $5,461,500 | 5,246 |
| Average total loans | $21,569,000 | 5,323 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 1,460 |
| Cost of funding earning assets | 0.5482% | 1,791 |
| Net interest margin | 3.9745% | 1,698 |
| Noninterest income to average assets | 0.4033% | 3,672 |
| Noninterest expense to average assets | 3.2704% | 1,429 |
| Loan and lease loss provision to assets | 0.0665% | 2,638 |
| Net operating income to assets | 0.6539% | 4,058 |
| Return on assets (ROA) | 1.2098% | 1,599 |
| Pretax return on assets | 1.2319% | 2,651 |
| Return on Equity (ROE) | 10.1080% | 1,989 |
| Retained earnings to average equity (ytd only) | 4.9614% | 2,735 |
| Net charge-offs to loans | 0.1951% | 1,033 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,521 |
| Efficiency ratio | 81.7276% | 1,032 |
| Assets per employee ($millions) | 3.2131% | 5,072 |
| Cash dividends to net income (ytd only)* | 50.9158% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 912 |
| Loan loss allowance to noncurrent loans | 314.6552% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,950 |
| Noncurrent loans to loans | 0.5682% | 3,028 |
| Net loans and leases to total assets | 44.5768% | 5,012 |
| Net loans and leases to deposits | 50.9477% | 5,108 |
| Net loans and leases to core deposits | 51.6831% | 5,159 |
| Total domestic deposits to total assets | 87.4953% | 1,725 |
| Equity capital to assets | 12.3669% | 1,691 |
| Core capital (leverage) ratio | 11.9844% | 1,640 |
| Tier 1 risk-based capital ratio | 20.3432% | 1,298 |
| Total risk-based capital ratio | 21.5930% | 1,275 |
| Memoranda: | ||
| Average total assets | $45,132,000 | 5,342 |
| Average earning assets | $40,860,670 | 5,353 |
| Average equity | $5,401,670 | 5,294 |
| Average total loans | $20,500,670 | 5,393 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 1,487 |
| Cost of funding earning assets | 0.5494% | 1,719 |
| Net interest margin | 3.9044% | 1,762 |
| Noninterest income to average assets | 0.4070% | 3,610 |
| Noninterest expense to average assets | 3.3447% | 1,300 |
| Loan and lease loss provision to assets | 0.0708% | 2,391 |
| Net operating income to assets | 0.5029% | 4,580 |
| Return on assets (ROA) | 1.6015% | 690 |
| Pretax return on assets | 1.6458% | 1,137 |
| Return on Equity (ROE) | 13.6065% | 879 |
| Retained earnings to average equity (ytd only) | 4.7360% | 3,045 |
| Net charge-offs to loans | 0.2921% | 626 |
| Credit loss provision to net charge-offs | 53.3333% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,393 |
| Efficiency ratio | 85.1351% | 879 |
| Assets per employee ($millions) | 3.5299% | 4,749 |
| Cash dividends to net income (ytd only)* | 65.1934% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 960 |
| Loan loss allowance to noncurrent loans | 158.5153% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 2,546 |
| Noncurrent loans to loans | 1.1353% | 1,796 |
| Net loans and leases to total assets | 43.1650% | 5,090 |
| Net loans and leases to deposits | 49.0151% | 5,179 |
| Net loans and leases to core deposits | 49.7039% | 5,234 |
| Total domestic deposits to total assets | 88.0647% | 1,684 |
| Equity capital to assets | 11.7719% | 1,986 |
| Core capital (leverage) ratio | 11.7941% | 1,758 |
| Tier 1 risk-based capital ratio | 19.8972% | 1,414 |
| Total risk-based capital ratio | 21.1468% | 1,384 |
| Memoranda: | ||
| Average total assets | $45,206,500 | 5,402 |
| Average earning assets | $40,774,500 | 5,413 |
| Average equity | $5,321,000 | 5,355 |
| Average total loans | $20,542,500 | 5,445 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,248 |
| Cost of funding earning assets | 0.5792% | 1,491 |
| Net interest margin | 4.0347% | 1,545 |
| Noninterest income to average assets | 0.3805% | 4,031 |
| Noninterest expense to average assets | 3.1015% | 2,032 |
| Loan and lease loss provision to assets | 0.0660% | 3,044 |
| Net operating income to assets | 0.8645% | 3,005 |
| Return on assets (ROA) | 0.8645% | 3,116 |
| Pretax return on assets | 0.8755% | 3,926 |
| Return on Equity (ROE) | 7.3861% | 3,278 |
| Retained earnings to average equity (ytd only) | 4.3602% | 2,798 |
| Net charge-offs to loans | 0.0620% | 2,822 |
| Credit loss provision to net charge-offs | 230.7692% | 1,250 |
| Earnings coverage of net charge-offs (x) | 32.9231% | 1,350 |
| Efficiency ratio | 76.7138% | 1,892 |
| Assets per employee ($millions) | 3.4249% | 4,865 |
| Cash dividends to net income (ytd only)* | 40.9669% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 1,002 |
| Loan loss allowance to noncurrent loans | 136.0294% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 2,495 |
| Noncurrent loans to loans | 1.3006% | 1,577 |
| Net loans and leases to total assets | 46.1414% | 5,008 |
| Net loans and leases to deposits | 52.3708% | 5,098 |
| Net loans and leases to core deposits | 53.1292% | 5,176 |
| Total domestic deposits to total assets | 88.1053% | 1,584 |
| Equity capital to assets | 11.7689% | 1,957 |
| Core capital (leverage) ratio | 11.7107% | 1,783 |
| Tier 1 risk-based capital ratio | 19.2543% | 1,534 |
| Total risk-based capital ratio | 20.5032% | 1,496 |
| Memoranda: | ||
| Average total assets | $45,462,200 | 5,430 |
| Average earning assets | $41,266,600 | 5,438 |
| Average equity | $5,320,800 | 5,410 |
| Average total loans | $20,962,400 | 5,490 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 1,358 |
| Cost of funding earning assets | 0.5769% | 1,505 |
| Net interest margin | 3.9933% | 1,679 |
| Noninterest income to average assets | 0.3589% | 4,209 |
| Noninterest expense to average assets | 3.1074% | 2,009 |
| Loan and lease loss provision to assets | 0.0671% | 2,877 |
| Net operating income to assets | 0.8053% | 3,341 |
| Return on assets (ROA) | 0.8053% | 3,482 |
| Pretax return on assets | 0.8199% | 4,249 |
| Return on Equity (ROE) | 6.8899% | 3,616 |
| Retained earnings to average equity (ytd only) | 2.8708% | 4,176 |
| Net charge-offs to loans | -0.0063% | 4,661 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7940% | 1,714 |
| Assets per employee ($millions) | 3.4582% | 4,827 |
| Cash dividends to net income (ytd only)* | 58.3331% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 1,037 |
| Loan loss allowance to noncurrent loans | 131.3589% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 2,557 |
| Noncurrent loans to loans | 1.3592% | 1,623 |
| Net loans and leases to total assets | 46.1295% | 5,091 |
| Net loans and leases to deposits | 52.7054% | 5,175 |
| Net loans and leases to core deposits | 53.4664% | 5,243 |
| Total domestic deposits to total assets | 87.5234% | 1,649 |
| Equity capital to assets | 12.2342% | 1,957 |
| Core capital (leverage) ratio | 11.4390% | 2,081 |
| Tier 1 risk-based capital ratio | 19.3548% | 1,585 |
| Total risk-based capital ratio | 20.6050% | 1,542 |
| Memoranda: | ||
| Average total assets | $45,696,750 | 5,479 |
| Average earning assets | $41,602,000 | 5,486 |
| Average equity | $5,341,000 | 5,466 |
| Average total loans | $20,974,500 | 5,541 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,337 |
| Cost of funding earning assets | 0.5734% | 1,517 |
| Net interest margin | 3.9946% | 1,659 |
| Noninterest income to average assets | 0.3221% | 4,480 |
| Noninterest expense to average assets | 3.0559% | 2,191 |
| Loan and lease loss provision to assets | 0.0653% | 2,839 |
| Net operating income to assets | 0.8184% | 3,225 |
| Return on assets (ROA) | 0.8184% | 3,360 |
| Pretax return on assets | 0.8402% | 4,157 |
| Return on Equity (ROE) | 7.1104% | 3,477 |
| Retained earnings to average equity (ytd only) | 1.8533% | 4,633 |
| Net charge-offs to loans | -0.0287% | 5,096 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1429% | 1,908 |
| Assets per employee ($millions) | 3.5780% | 4,634 |
| Cash dividends to net income (ytd only)* | 73.9362% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 1,111 |
| Loan loss allowance to noncurrent loans | 121.6393% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 2,898 |
| Noncurrent loans to loans | 1.4634% | 1,505 |
| Net loans and leases to total assets | 44.0104% | 5,231 |
| Net loans and leases to deposits | 49.9159% | 5,341 |
| Net loans and leases to core deposits | 50.6069% | 5,409 |
| Total domestic deposits to total assets | 88.1692% | 1,342 |
| Equity capital to assets | 11.6653% | 2,390 |
| Core capital (leverage) ratio | 11.1260% | 2,300 |
| Tier 1 risk-based capital ratio | 20.1649% | 1,425 |
| Total risk-based capital ratio | 21.4137% | 1,391 |
| Memoranda: | ||
| Average total assets | $45,943,670 | 5,540 |
| Average earning assets | $41,856,670 | 5,545 |
| Average equity | $5,288,000 | 5,529 |
| Average total loans | $20,927,670 | 5,601 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 1,196 |
| Cost of funding earning assets | 0.5806% | 1,475 |
| Net interest margin | 4.0451% | 1,493 |
| Noninterest income to average assets | 0.1577% | 5,545 |
| Noninterest expense to average assets | 3.1013% | 2,100 |
| Loan and lease loss provision to assets | 0.0701% | 2,547 |
| Net operating income to assets | 0.6045% | 4,158 |
| Return on assets (ROA) | 0.6045% | 4,278 |
| Pretax return on assets | 0.6483% | 4,681 |
| Return on Equity (ROE) | 5.2884% | 4,343 |
| Retained earnings to average equity (ytd only) | -3.7555% | 5,533 |
| Net charge-offs to loans | 0.0381% | 2,227 |
| Credit loss provision to net charge-offs | 400.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 996 |
| Efficiency ratio | 81.1927% | 1,462 |
| Assets per employee ($millions) | 3.7882% | 4,323 |
| Cash dividends to net income (ytd only)* | 171.0145% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,337 |
| Loan loss allowance to noncurrent loans | 53.5022% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5157% | 1,340 |
| Noncurrent loans to loans | 3.1949% | 472 |
| Net loans and leases to total assets | 45.4111% | 5,160 |
| Net loans and leases to deposits | 51.4288% | 5,252 |
| Net loans and leases to core deposits | 52.1564% | 5,346 |
| Total domestic deposits to total assets | 88.2991% | 1,469 |
| Equity capital to assets | 11.5029% | 2,437 |
| Core capital (leverage) ratio | 11.0575% | 2,350 |
| Tier 1 risk-based capital ratio | 19.7005% | 1,569 |
| Total risk-based capital ratio | 20.9518% | 1,535 |
| Memoranda: | ||
| Average total assets | $45,658,500 | 5,601 |
| Average earning assets | $41,333,500 | 5,606 |
| Average equity | $5,219,000 | 5,576 |
| Average total loans | $20,970,500 | 5,648 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 1,203 |
| Cost of funding earning assets | 0.6314% | 1,167 |
| Net interest margin | 4.0244% | 1,635 |
| Noninterest income to average assets | 0.5414% | 3,066 |
| Noninterest expense to average assets | 3.1128% | 2,193 |
| Loan and lease loss provision to assets | 0.1534% | 1,530 |
| Net operating income to assets | 0.9360% | 2,682 |
| Return on assets (ROA) | 0.9448% | 2,712 |
| Pretax return on assets | 0.9448% | 3,674 |
| Return on Equity (ROE) | 8.3134% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.0506% | 3,132 |
| Net charge-offs to loans | 0.2183% | 1,353 |
| Credit loss provision to net charge-offs | 152.1739% | 1,753 |
| Earnings coverage of net charge-offs (x) | 10.8043% | 2,655 |
| Efficiency ratio | 74.0741% | 2,568 |
| Assets per employee ($millions) | 3.8216% | 4,253 |
| Cash dividends to net income (ytd only)* | 51.2761% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 1,384 |
| Loan loss allowance to noncurrent loans | 77.5824% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,844 |
| Noncurrent loans to loans | 2.1730% | 927 |
| Net loans and leases to total assets | 44.8898% | 5,233 |
| Net loans and leases to deposits | 50.7157% | 5,353 |
| Net loans and leases to core deposits | 51.0426% | 5,453 |
| Total domestic deposits to total assets | 88.5126% | 1,377 |
| Equity capital to assets | 11.3587% | 2,488 |
| Core capital (leverage) ratio | 11.1272% | 2,282 |
| Tier 1 risk-based capital ratio | 20.7109% | 1,344 |
| Total risk-based capital ratio | 21.9608% | 1,319 |
| Memoranda: | ||
| Average total assets | $45,618,800 | 5,640 |
| Average earning assets | $41,496,400 | 5,641 |
| Average equity | $5,184,400 | 5,614 |
| Average total loans | $21,073,400 | 5,678 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 1,222 |
| Cost of funding earning assets | 0.6466% | 1,113 |
| Net interest margin | 3.9982% | 1,711 |
| Noninterest income to average assets | 0.5209% | 3,220 |
| Noninterest expense to average assets | 3.0699% | 2,302 |
| Loan and lease loss provision to assets | 0.0673% | 2,835 |
| Net operating income to assets | 1.0389% | 2,280 |
| Return on assets (ROA) | 1.0389% | 2,375 |
| Pretax return on assets | 1.0389% | 3,468 |
| Return on Equity (ROE) | 9.1405% | 2,497 |
| Retained earnings to average equity (ytd only) | 3.4502% | 4,009 |
| Net charge-offs to loans | 0.2464% | 1,064 |
| Credit loss provision to net charge-offs | 58.9744% | 2,922 |
| Earnings coverage of net charge-offs (x) | 9.6921% | 2,674 |
| Efficiency ratio | 73.5109% | 2,637 |
| Assets per employee ($millions) | 3.4828% | 4,820 |
| Cash dividends to net income (ytd only)* | 62.2539% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 2,474 |
| Loan loss allowance to noncurrent loans | 62.4750% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1662% | 2,033 |
| Noncurrent loans to loans | 2.2823% | 941 |
| Net loans and leases to total assets | 47.7925% | 5,098 |
| Net loans and leases to deposits | 54.2236% | 5,239 |
| Net loans and leases to core deposits | 54.5792% | 5,376 |
| Total domestic deposits to total assets | 88.1397% | 1,483 |
| Equity capital to assets | 11.6306% | 2,393 |
| Core capital (leverage) ratio | 10.9833% | 2,507 |
| Tier 1 risk-based capital ratio | 19.9150% | 1,573 |
| Total risk-based capital ratio | 21.1589% | 1,532 |
| Memoranda: | ||
| Average total assets | $45,558,750 | 5,717 |
| Average earning assets | $41,651,500 | 5,711 |
| Average equity | $5,178,250 | 5,679 |
| Average total loans | $21,107,000 | 5,747 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,422 |
| Cost of funding earning assets | 0.6590% | 1,053 |
| Net interest margin | 3.8826% | 2,043 |
| Noninterest income to average assets | 0.4994% | 3,382 |
| Noninterest expense to average assets | 3.0710% | 2,333 |
| Loan and lease loss provision to assets | 0.0657% | 2,802 |
| Net operating income to assets | 0.9244% | 2,761 |
| Return on assets (ROA) | 0.9244% | 2,886 |
| Pretax return on assets | 0.9244% | 3,869 |
| Return on Equity (ROE) | 8.1958% | 2,942 |
| Retained earnings to average equity (ytd only) | 2.4859% | 4,476 |
| Net charge-offs to loans | 0.3649% | 711 |
| Credit loss provision to net charge-offs | 39.4737% | 2,824 |
| Earnings coverage of net charge-offs (x) | 5.9474% | 2,856 |
| Efficiency ratio | 75.6203% | 2,428 |
| Assets per employee ($millions) | 3.8218% | 4,221 |
| Cash dividends to net income (ytd only)* | 69.6682% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,464 |
| Loan loss allowance to noncurrent loans | 84.0659% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 3,003 |
| Noncurrent loans to loans | 1.7363% | 1,483 |
| Net loans and leases to total assets | 45.0448% | 5,315 |
| Net loans and leases to deposits | 50.8417% | 5,457 |
| Net loans and leases to core deposits | 51.7796% | 5,548 |
| Total domestic deposits to total assets | 88.5982% | 1,361 |
| Equity capital to assets | 11.1860% | 2,681 |
| Core capital (leverage) ratio | 10.6772% | 2,758 |
| Tier 1 risk-based capital ratio | 20.4766% | 1,456 |
| Total risk-based capital ratio | 21.7240% | 1,428 |
| Memoranda: | ||
| Average total assets | $45,652,670 | 5,778 |
| Average earning assets | $41,879,330 | 5,769 |
| Average equity | $5,149,000 | 5,739 |
| Average total loans | $20,825,330 | 5,814 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,333 |
| Cost of funding earning assets | 0.6597% | 1,052 |
| Net interest margin | 3.8912% | 1,931 |
| Noninterest income to average assets | 0.4830% | 3,399 |
| Noninterest expense to average assets | 3.1527% | 2,120 |
| Loan and lease loss provision to assets | 0.0615% | 2,698 |
| Net operating income to assets | 0.8431% | 3,043 |
| Return on assets (ROA) | 0.8431% | 3,172 |
| Pretax return on assets | 0.8431% | 4,093 |
| Return on Equity (ROE) | 7.4440% | 3,245 |
| Retained earnings to average equity (ytd only) | -2.2487% | 5,711 |
| Net charge-offs to loans | 0.2891% | 827 |
| Credit loss provision to net charge-offs | 46.6667% | 2,131 |
| Earnings coverage of net charge-offs (x) | 6.8667% | 2,239 |
| Efficiency ratio | 77.7056% | 2,230 |
| Assets per employee ($millions) | 3.5499% | 4,811 |
| Cash dividends to net income (ytd only)* | 130.2083% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,304 |
| Loan loss allowance to noncurrent loans | 71.3333% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 2,668 |
| Noncurrent loans to loans | 2.1497% | 1,190 |
| Net loans and leases to total assets | 44.6640% | 5,292 |
| Net loans and leases to deposits | 50.4430% | 5,428 |
| Net loans and leases to core deposits | 51.3631% | 5,526 |
| Total domestic deposits to total assets | 88.5436% | 1,525 |
| Equity capital to assets | 11.2483% | 2,700 |
| Core capital (leverage) ratio | 10.5156% | 2,938 |
| Tier 1 risk-based capital ratio | 20.1639% | 1,578 |
| Total risk-based capital ratio | 21.4116% | 1,551 |
| Memoranda: | ||
| Average total assets | $45,548,500 | 5,833 |
| Average earning assets | $41,837,500 | 5,820 |
| Average equity | $5,158,500 | 5,792 |
| Average total loans | $20,756,000 | 5,866 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,217 |
| Cost of funding earning assets | 0.7166% | 1,024 |
| Net interest margin | 4.0239% | 1,824 |
| Noninterest income to average assets | 0.4155% | 4,075 |
| Noninterest expense to average assets | 3.0772% | 2,601 |
| Loan and lease loss provision to assets | 0.0490% | 3,590 |
| Net operating income to assets | 0.9867% | 2,445 |
| Return on assets (ROA) | 0.8716% | 3,097 |
| Pretax return on assets | 0.8716% | 3,994 |
| Return on Equity (ROE) | 8.4620% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.9792% | 1,942 |
| Net charge-offs to loans | -0.0526% | 5,946 |
| Credit loss provision to net charge-offs | -209.0909% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8187% | 2,692 |
| Assets per employee ($millions) | 3.4575% | 4,967 |
| Cash dividends to net income (ytd only)* | 29.3399% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 2,094 |
| Loan loss allowance to noncurrent loans | 66.8699% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 2,558 |
| Noncurrent loans to loans | 2.3908% | 1,080 |
| Net loans and leases to total assets | 45.0521% | 5,401 |
| Net loans and leases to deposits | 50.9370% | 5,536 |
| Net loans and leases to core deposits | 51.8872% | 5,621 |
| Total domestic deposits to total assets | 88.4466% | 1,547 |
| Equity capital to assets | 11.4043% | 2,514 |
| Core capital (leverage) ratio | 10.6338% | 2,800 |
| Tier 1 risk-based capital ratio | 20.7638% | 1,451 |
| Total risk-based capital ratio | 22.0155% | 1,427 |
| Memoranda: | ||
| Average total assets | $46,926,400 | 5,863 |
| Average earning assets | $43,117,600 | 5,849 |
| Average equity | $4,833,400 | 5,902 |
| Average total loans | $20,901,400 | 5,926 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,427 |
| Cost of funding earning assets | 0.7198% | 1,051 |
| Net interest margin | 3.9328% | 2,105 |
| Noninterest income to average assets | 0.3627% | 4,527 |
| Noninterest expense to average assets | 2.9831% | 2,859 |
| Loan and lease loss provision to assets | 0.0506% | 3,359 |
| Net operating income to assets | 0.9391% | 2,739 |
| Return on assets (ROA) | 0.7872% | 3,588 |
| Pretax return on assets | 0.7872% | 4,406 |
| Return on Equity (ROE) | 7.8424% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.5094% | 3,443 |
| Net charge-offs to loans | -0.0699% | 6,032 |
| Credit loss provision to net charge-offs | -163.6364% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0885% | 2,650 |
| Assets per employee ($millions) | 3.5514% | 4,767 |
| Cash dividends to net income (ytd only)* | 42.4997% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 2,506 |
| Loan loss allowance to noncurrent loans | 72.3214% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 3,027 |
| Noncurrent loans to loans | 2.1415% | 1,439 |
| Net loans and leases to total assets | 44.6110% | 5,484 |
| Net loans and leases to deposits | 50.6929% | 5,605 |
| Net loans and leases to core deposits | 51.6139% | 5,711 |
| Total domestic deposits to total assets | 88.0025% | 1,769 |
| Equity capital to assets | 10.7195% | 3,268 |
| Core capital (leverage) ratio | 10.1592% | 3,461 |
| Tier 1 risk-based capital ratio | 19.8073% | 1,717 |
| Total risk-based capital ratio | 21.0586% | 1,685 |
| Memoranda: | ||
| Average total assets | $47,421,000 | 5,911 |
| Average earning assets | $43,530,500 | 5,906 |
| Average equity | $4,760,250 | 5,980 |
| Average total loans | $20,982,000 | 5,983 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,882 |
| Cost of funding earning assets | 0.7089% | 1,146 |
| Net interest margin | 3.7761% | 2,649 |
| Noninterest income to average assets | 0.2843% | 5,146 |
| Noninterest expense to average assets | 2.9892% | 2,867 |
| Loan and lease loss provision to assets | 0.0627% | 3,016 |
| Net operating income to assets | 0.7065% | 3,803 |
| Return on assets (ROA) | 0.4808% | 4,957 |
| Pretax return on assets | 0.4808% | 5,330 |
| Return on Equity (ROE) | 4.8964% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.2555% | 5,615 |
| Net charge-offs to loans | -0.1047% | 6,163 |
| Credit loss provision to net charge-offs | -136.3636% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5328% | 2,089 |
| Assets per employee ($millions) | 3.6507% | 4,546 |
| Cash dividends to net income (ytd only)* | 94.7826% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 2,732 |
| Loan loss allowance to noncurrent loans | 124.4186% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 4,360 |
| Noncurrent loans to loans | 1.2360% | 2,760 |
| Net loans and leases to total assets | 43.3069% | 5,577 |
| Net loans and leases to deposits | 48.9031% | 5,713 |
| Net loans and leases to core deposits | 49.7567% | 5,806 |
| Total domestic deposits to total assets | 88.5564% | 1,605 |
| Equity capital to assets | 10.2236% | 3,800 |
| Core capital (leverage) ratio | 9.5228% | 4,298 |
| Tier 1 risk-based capital ratio | 18.5003% | 2,064 |
| Total risk-based capital ratio | 19.7527% | 2,019 |
| Memoranda: | ||
| Average total assets | $47,838,670 | 5,957 |
| Average earning assets | $44,013,330 | 5,951 |
| Average equity | $4,697,330 | 6,036 |
| Average total loans | $21,002,670 | 6,031 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,554 |
| Cost of funding earning assets | 0.7103% | 1,189 |
| Net interest margin | 3.8704% | 2,193 |
| Noninterest income to average assets | 0.2748% | 5,175 |
| Noninterest expense to average assets | 2.9816% | 2,928 |
| Loan and lease loss provision to assets | 0.0666% | 2,792 |
| Net operating income to assets | 0.7662% | 3,330 |
| Return on assets (ROA) | 0.7662% | 3,413 |
| Pretax return on assets | 0.7662% | 4,244 |
| Return on Equity (ROE) | 7.9654% | 2,947 |
| Retained earnings to average equity (ytd only) | -0.4329% | 5,631 |
| Net charge-offs to loans | 0.1329% | 1,917 |
| Credit loss provision to net charge-offs | 114.2857% | 1,504 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 1,619 |
| Efficiency ratio | 78.1659% | 2,453 |
| Assets per employee ($millions) | 4.0757% | 3,773 |
| Cash dividends to net income (ytd only)* | 105.4348% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,481 |
| Loan loss allowance to noncurrent loans | 229.4574% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 4,923 |
| Noncurrent loans to loans | 0.6215% | 4,310 |
| Net loans and leases to total assets | 41.8336% | 5,683 |
| Net loans and leases to deposits | 46.8686% | 5,790 |
| Net loans and leases to core deposits | 47.6512% | 5,896 |
| Total domestic deposits to total assets | 89.2574% | 1,502 |
| Equity capital to assets | 9.5813% | 4,383 |
| Core capital (leverage) ratio | 9.5316% | 4,236 |
| Tier 1 risk-based capital ratio | 19.0079% | 1,967 |
| Total risk-based capital ratio | 20.2356% | 1,936 |
| Memoranda: | ||
| Average total assets | $48,028,500 | 6,003 |
| Average earning assets | $43,923,500 | 6,006 |
| Average equity | $4,620,000 | 6,091 |
| Average total loans | $21,067,000 | 6,092 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 1,809 |
| Cost of funding earning assets | 0.8622% | 899 |
| Net interest margin | 3.7560% | 2,822 |
| Noninterest income to average assets | 0.4993% | 3,763 |
| Noninterest expense to average assets | 2.7474% | 3,920 |
| Loan and lease loss provision to assets | 0.1483% | 2,427 |
| Net operating income to assets | 1.0801% | 1,999 |
| Return on assets (ROA) | 1.0864% | 2,053 |
| Pretax return on assets | 1.0864% | 3,001 |
| Return on Equity (ROE) | 11.1454% | 1,718 |
| Retained earnings to average equity (ytd only) | 8.1019% | 1,025 |
| Net charge-offs to loans | 0.2456% | 2,509 |
| Credit loss provision to net charge-offs | 139.2157% | 1,677 |
| Earnings coverage of net charge-offs (x) | 11.5294% | 2,228 |
| Efficiency ratio | 69.1014% | 3,993 |
| Assets per employee ($millions) | 3.9291% | 4,003 |
| Cash dividends to net income (ytd only)* | 27.3077% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 3,741 |
| Loan loss allowance to noncurrent loans | 116.1417% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 4,025 |
| Noncurrent loans to loans | 1.1881% | 3,166 |
| Net loans and leases to total assets | 44.7157% | 5,607 |
| Net loans and leases to deposits | 50.7669% | 5,707 |
| Net loans and leases to core deposits | 51.6538% | 5,818 |
| Total domestic deposits to total assets | 88.0803% | 2,129 |
| Equity capital to assets | 9.6587% | 4,208 |
| Core capital (leverage) ratio | 9.6042% | 4,110 |
| Tier 1 risk-based capital ratio | 18.8807% | 1,960 |
| Total risk-based capital ratio | 20.0947% | 1,931 |
| Memoranda: | ||
| Average total assets | $47,864,200 | 6,073 |
| Average earning assets | $44,303,000 | 6,041 |
| Average equity | $4,665,600 | 6,147 |
| Average total loans | $20,766,000 | 6,158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 1,984 |
| Cost of funding earning assets | 0.8816% | 897 |
| Net interest margin | 3.6849% | 3,085 |
| Noninterest income to average assets | 0.4884% | 3,886 |
| Noninterest expense to average assets | 2.7475% | 3,842 |
| Loan and lease loss provision to assets | 0.1776% | 2,048 |
| Net operating income to assets | 0.9852% | 2,443 |
| Return on assets (ROA) | 1.2710% | 1,502 |
| Pretax return on assets | 1.2710% | 2,445 |
| Return on Equity (ROE) | 13.0105% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.0619% | 1,039 |
| Net charge-offs to loans | 0.3234% | 1,923 |
| Credit loss provision to net charge-offs | 128.0000% | 1,842 |
| Earnings coverage of net charge-offs (x) | 8.3793% | 2,630 |
| Efficiency ratio | 70.2626% | 3,713 |
| Assets per employee ($millions) | 4.2318% | 3,362 |
| Cash dividends to net income (ytd only)* | 30.3496% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 3,955 |
| Loan loss allowance to noncurrent loans | 91.1672% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 3,951 |
| Noncurrent loans to loans | 1.5203% | 2,885 |
| Net loans and leases to total assets | 44.1719% | 5,712 |
| Net loans and leases to deposits | 50.3995% | 5,807 |
| Net loans and leases to core deposits | 51.2922% | 5,931 |
| Total domestic deposits to total assets | 87.6434% | 2,333 |
| Equity capital to assets | 9.9527% | 3,962 |
| Core capital (leverage) ratio | 9.4886% | 4,426 |
| Tier 1 risk-based capital ratio | 18.6187% | 2,110 |
| Total risk-based capital ratio | 19.8068% | 2,093 |
| Memoranda: | ||
| Average total assets | $48,043,000 | 6,137 |
| Average earning assets | $44,613,750 | 6,102 |
| Average equity | $4,693,500 | 6,228 |
| Average total loans | $20,613,000 | 6,233 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,471 |
| Cost of funding earning assets | 0.9027% | 885 |
| Net interest margin | 3.5225% | 3,692 |
| Noninterest income to average assets | 0.4656% | 4,054 |
| Noninterest expense to average assets | 2.6864% | 4,081 |
| Loan and lease loss provision to assets | 0.0865% | 3,349 |
| Net operating income to assets | 0.9724% | 2,455 |
| Return on assets (ROA) | 1.2402% | 1,586 |
| Pretax return on assets | 1.2402% | 2,518 |
| Return on Equity (ROE) | 12.7714% | 1,296 |
| Retained earnings to average equity (ytd only) | 8.1465% | 1,422 |
| Net charge-offs to loans | 0.0584% | 3,867 |
| Credit loss provision to net charge-offs | 350.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 42.8333% | 884 |
| Efficiency ratio | 71.7272% | 3,516 |
| Assets per employee ($millions) | 4.3821% | 3,033 |
| Cash dividends to net income (ytd only)* | 36.2126% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,015 |
| Loan loss allowance to noncurrent loans | 88.6850% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 4,250 |
| Noncurrent loans to loans | 1.5834% | 2,935 |
| Net loans and leases to total assets | 42.2422% | 5,883 |
| Net loans and leases to deposits | 47.8442% | 5,986 |
| Net loans and leases to core deposits | 48.6512% | 6,097 |
| Total domestic deposits to total assets | 88.2912% | 2,051 |
| Equity capital to assets | 9.4475% | 4,653 |
| Core capital (leverage) ratio | 9.0569% | 4,901 |
| Tier 1 risk-based capital ratio | 17.8464% | 2,375 |
| Total risk-based capital ratio | 19.0221% | 2,372 |
| Memoranda: | ||
| Average total assets | $48,540,670 | 6,160 |
| Average earning assets | $45,195,670 | 6,130 |
| Average equity | $4,713,670 | 6,265 |
| Average total loans | $20,533,670 | 6,276 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 2,691 |
| Cost of funding earning assets | 0.9579% | 756 |
| Net interest margin | 3.3923% | 4,144 |
| Noninterest income to average assets | 0.4517% | 4,113 |
| Noninterest expense to average assets | 2.6607% | 4,209 |
| Loan and lease loss provision to assets | 0.0985% | 3,039 |
| Net operating income to assets | 0.8623% | 2,852 |
| Return on assets (ROA) | 0.9936% | 2,371 |
| Pretax return on assets | 0.9936% | 3,381 |
| Return on Equity (ROE) | 10.0970% | 2,026 |
| Retained earnings to average equity (ytd only) | 1.8358% | 5,080 |
| Net charge-offs to loans | -0.0586% | 6,202 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 3,355 |
| Assets per employee ($millions) | 4.4997% | 2,976 |
| Cash dividends to net income (ytd only)* | 81.8182% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 4,061 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 5,060 |
| Noncurrent loans to loans | 1.2946% | 3,617 |
| Net loans and leases to total assets | 40.1438% | 5,983 |
| Net loans and leases to deposits | 45.5212% | 6,086 |
| Net loans and leases to core deposits | 46.2663% | 6,198 |
| Total domestic deposits to total assets | 88.1872% | 2,204 |
| Equity capital to assets | 9.6470% | 4,642 |
| Core capital (leverage) ratio | 8.7134% | 5,309 |
| Tier 1 risk-based capital ratio | 17.4056% | 2,599 |
| Total risk-based capital ratio | 18.5983% | 2,589 |
| Memoranda: | ||
| Average total assets | $48,709,500 | 6,215 |
| Average earning assets | $45,514,500 | 6,174 |
| Average equity | $4,793,500 | 6,302 |
| Average total loans | $20,474,500 | 6,333 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 2,621 |
| Cost of funding earning assets | 1.3895% | 263 |
| Net interest margin | 3.3051% | 5,230 |
| Noninterest income to average assets | 0.4447% | 4,288 |
| Noninterest expense to average assets | 2.6827% | 4,463 |
| Loan and lease loss provision to assets | 0.1476% | 3,760 |
| Net operating income to assets | 0.6661% | 3,905 |
| Return on assets (ROA) | 0.6948% | 4,024 |
| Pretax return on assets | 0.6948% | 4,682 |
| Return on Equity (ROE) | 7.4118% | 3,407 |
| Retained earnings to average equity (ytd only) | 5.0286% | 2,682 |
| Net charge-offs to loans | 0.3265% | 3,013 |
| Credit loss provision to net charge-offs | 105.8824% | 2,807 |
| Earnings coverage of net charge-offs (x) | 5.8382% | 2,936 |
| Efficiency ratio | 76.7292% | 2,633 |
| Assets per employee ($millions) | 4.3565% | 3,243 |
| Cash dividends to net income (ytd only)* | 32.1534% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,520 |
| Loan loss allowance to noncurrent loans | 87.0253% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 4,818 |
| Noncurrent loans to loans | 1.5200% | 3,327 |
| Net loans and leases to total assets | 42.8071% | 5,915 |
| Net loans and leases to deposits | 48.8161% | 6,051 |
| Net loans and leases to core deposits | 49.6419% | 6,168 |
| Total domestic deposits to total assets | 87.6904% | 2,418 |
| Equity capital to assets | 10.0413% | 4,114 |
| Core capital (leverage) ratio | 8.6795% | 5,358 |
| Tier 1 risk-based capital ratio | 17.7862% | 2,344 |
| Total risk-based capital ratio | 18.9480% | 2,344 |
| Memoranda: | ||
| Average total assets | $48,793,600 | 6,245 |
| Average earning assets | $45,051,400 | 6,205 |
| Average equity | $4,573,800 | 6,423 |
| Average total loans | $20,825,000 | 6,386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 2,762 |
| Cost of funding earning assets | 1.4869% | 216 |
| Net interest margin | 3.2255% | 5,633 |
| Noninterest income to average assets | 0.3890% | 4,722 |
| Noninterest expense to average assets | 2.6823% | 4,439 |
| Loan and lease loss provision to assets | 0.1632% | 3,478 |
| Net operating income to assets | 0.5060% | 4,822 |
| Return on assets (ROA) | 0.5114% | 5,060 |
| Pretax return on assets | 0.5114% | 5,432 |
| Return on Equity (ROE) | 5.5526% | 4,571 |
| Retained earnings to average equity (ytd only) | 2.3333% | 5,171 |
| Net charge-offs to loans | 0.3456% | 2,721 |
| Credit loss provision to net charge-offs | 111.1111% | 2,635 |
| Earnings coverage of net charge-offs (x) | 4.5554% | 3,272 |
| Efficiency ratio | 80.0325% | 2,089 |
| Assets per employee ($millions) | 4.3695% | 3,134 |
| Cash dividends to net income (ytd only)* | 57.9789% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,752 |
| Loan loss allowance to noncurrent loans | 63.2420% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 4,446 |
| Noncurrent loans to loans | 2.0766% | 2,764 |
| Net loans and leases to total assets | 43.3059% | 6,018 |
| Net loans and leases to deposits | 49.2698% | 6,169 |
| Net loans and leases to core deposits | 50.0951% | 6,274 |
| Total domestic deposits to total assets | 87.8956% | 2,103 |
| Equity capital to assets | 9.7826% | 4,808 |
| Core capital (leverage) ratio | 8.3010% | 6,006 |
| Tier 1 risk-based capital ratio | 17.2819% | 2,614 |
| Total risk-based capital ratio | 18.4613% | 2,599 |
| Memoranda: | ||
| Average total assets | $49,011,500 | 6,316 |
| Average earning assets | $45,015,250 | 6,277 |
| Average equity | $4,514,250 | 6,509 |
| Average total loans | $20,834,000 | 6,469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 2,905 |
| Cost of funding earning assets | 1.5837% | 167 |
| Net interest margin | 3.1185% | 5,952 |
| Noninterest income to average assets | 0.3852% | 4,758 |
| Noninterest expense to average assets | 2.6476% | 4,618 |
| Loan and lease loss provision to assets | 0.0933% | 4,394 |
| Net operating income to assets | 0.4865% | 4,882 |
| Return on assets (ROA) | 0.4947% | 5,093 |
| Pretax return on assets | 0.4947% | 5,448 |
| Return on Equity (ROE) | 5.4811% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.0782% | 5,643 |
| Net charge-offs to loans | 0.2892% | 2,873 |
| Credit loss provision to net charge-offs | 76.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 4.7667% | 2,992 |
| Efficiency ratio | 82.0352% | 1,877 |
| Assets per employee ($millions) | 4.5175% | 2,873 |
| Cash dividends to net income (ytd only)* | 80.3279% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 5,048 |
| Loan loss allowance to noncurrent loans | 61.0209% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 4,626 |
| Noncurrent loans to loans | 2.0760% | 2,855 |
| Net loans and leases to total assets | 41.2493% | 6,254 |
| Net loans and leases to deposits | 47.1348% | 6,368 |
| Net loans and leases to core deposits | 47.8970% | 6,467 |
| Total domestic deposits to total assets | 87.5133% | 2,461 |
| Equity capital to assets | 9.2488% | 5,398 |
| Core capital (leverage) ratio | 8.0220% | 6,250 |
| Tier 1 risk-based capital ratio | 16.8583% | 2,737 |
| Total risk-based capital ratio | 17.9659% | 2,753 |
| Memoranda: | ||
| Average total assets | $49,327,000 | 6,338 |
| Average earning assets | $44,957,670 | 6,314 |
| Average equity | $4,451,670 | 6,558 |
| Average total loans | $20,748,000 | 6,528 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 3,314 |
| Cost of funding earning assets | 1.6570% | 146 |
| Net interest margin | 2.9826% | 6,330 |
| Noninterest income to average assets | 0.3663% | 4,942 |
| Noninterest expense to average assets | 2.6860% | 4,474 |
| Loan and lease loss provision to assets | 0.0895% | 4,237 |
| Net operating income to assets | 0.3012% | 5,654 |
| Return on assets (ROA) | 0.3174% | 5,763 |
| Pretax return on assets | 0.3174% | 5,938 |
| Return on Equity (ROE) | 3.5621% | 5,480 |
| Retained earnings to average equity (ytd only) | -4.3841% | 6,538 |
| Net charge-offs to loans | 0.6750% | 1,462 |
| Credit loss provision to net charge-offs | 31.4286% | 3,603 |
| Earnings coverage of net charge-offs (x) | 1.3714% | 3,642 |
| Efficiency ratio | 87.3016% | 1,353 |
| Assets per employee ($millions) | 4.5465% | 2,907 |
| Cash dividends to net income (ytd only)* | 223.0769% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 5,458 |
| Loan loss allowance to noncurrent loans | 84.0136% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 5,407 |
| Noncurrent loans to loans | 1.4345% | 3,959 |
| Net loans and leases to total assets | 40.4863% | 6,309 |
| Net loans and leases to deposits | 45.9806% | 6,434 |
| Net loans and leases to core deposits | 46.7114% | 6,522 |
| Total domestic deposits to total assets | 88.0509% | 2,287 |
| Equity capital to assets | 8.7439% | 5,815 |
| Core capital (leverage) ratio | 7.9646% | 6,288 |
| Tier 1 risk-based capital ratio | 16.7028% | 2,811 |
| Total risk-based capital ratio | 17.7523% | 2,875 |
| Memoranda: | ||
| Average total assets | $49,144,000 | 6,393 |
| Average earning assets | $44,659,500 | 6,375 |
| Average equity | $4,379,500 | 6,612 |
| Average total loans | $20,741,500 | 6,579 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 2,284 |
| Cost of funding earning assets | 1.8873% | 158 |
| Net interest margin | 3.2534% | 5,946 |
| Noninterest income to average assets | 0.4872% | 3,944 |
| Noninterest expense to average assets | 2.5484% | 5,303 |
| Loan and lease loss provision to assets | 0.0625% | 5,828 |
| Net operating income to assets | 0.7870% | 3,100 |
| Return on assets (ROA) | 0.7891% | 3,250 |
| Pretax return on assets | 0.7891% | 4,019 |
| Return on Equity (ROE) | 9.5303% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.7139% | 1,634 |
| Net charge-offs to loans | 0.2175% | 4,430 |
| Credit loss provision to net charge-offs | 65.2174% | 5,020 |
| Earnings coverage of net charge-offs (x) | 8.8696% | 2,077 |
| Efficiency ratio | 75.0000% | 3,058 |
| Assets per employee ($millions) | 4.3887% | 3,085 |
| Cash dividends to net income (ytd only)* | 29.5515% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,952 |
| Loan loss allowance to noncurrent loans | 76.1236% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 5,002 |
| Noncurrent loans to loans | 1.6962% | 3,620 |
| Net loans and leases to total assets | 42.9137% | 6,308 |
| Net loans and leases to deposits | 48.9868% | 6,434 |
| Net loans and leases to core deposits | 49.7933% | 6,542 |
| Total domestic deposits to total assets | 87.6025% | 2,404 |
| Equity capital to assets | 9.0853% | 5,437 |
| Core capital (leverage) ratio | 8.2141% | 5,967 |
| Tier 1 risk-based capital ratio | 17.9258% | 2,220 |
| Total risk-based capital ratio | 19.1422% | 2,200 |
| Memoranda: | ||
| Average total assets | $48,029,800 | 6,422 |
| Average earning assets | $42,970,800 | 6,423 |
| Average equity | $3,976,800 | 6,753 |
| Average total loans | $21,152,200 | 6,600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 2,376 |
| Cost of funding earning assets | 1.9281% | 156 |
| Net interest margin | 3.2249% | 6,094 |
| Noninterest income to average assets | 0.4336% | 4,411 |
| Noninterest expense to average assets | 2.5683% | 5,208 |
| Loan and lease loss provision to assets | 0.0639% | 5,653 |
| Net operating income to assets | 0.6838% | 3,697 |
| Return on assets (ROA) | 0.7060% | 3,749 |
| Pretax return on assets | 0.7060% | 4,451 |
| Return on Equity (ROE) | 8.7407% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.9898% | 3,180 |
| Net charge-offs to loans | 0.0629% | 5,339 |
| Credit loss provision to net charge-offs | 230.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 26.9062% | 1,004 |
| Efficiency ratio | 77.4518% | 2,615 |
| Assets per employee ($millions) | 4.3784% | 3,116 |
| Cash dividends to net income (ytd only)* | 42.9132% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,534 |
| Loan loss allowance to noncurrent loans | 62.1118% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 4,748 |
| Noncurrent loans to loans | 2.2630% | 3,034 |
| Net loans and leases to total assets | 43.6921% | 6,360 |
| Net loans and leases to deposits | 49.8366% | 6,511 |
| Net loans and leases to core deposits | 51.2195% | 6,608 |
| Total domestic deposits to total assets | 87.6708% | 2,254 |
| Equity capital to assets | 8.8991% | 5,860 |
| Core capital (leverage) ratio | 8.1110% | 6,267 |
| Tier 1 risk-based capital ratio | 17.1238% | 2,597 |
| Total risk-based capital ratio | 18.3755% | 2,556 |
| Memoranda: | ||
| Average total assets | $47,968,250 | 6,480 |
| Average earning assets | $42,873,750 | 6,486 |
| Average equity | $3,874,500 | 6,841 |
| Average total loans | $21,193,250 | 6,668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 2,265 |
| Cost of funding earning assets | 1.9754% | 152 |
| Net interest margin | 3.2222% | 6,094 |
| Noninterest income to average assets | 0.3966% | 4,712 |
| Noninterest expense to average assets | 2.5969% | 5,199 |
| Loan and lease loss provision to assets | 0.0626% | 5,516 |
| Net operating income to assets | 0.6179% | 3,970 |
| Return on assets (ROA) | 0.6513% | 3,916 |
| Pretax return on assets | 0.6513% | 4,571 |
| Return on Equity (ROE) | 8.3482% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.1038% | 4,301 |
| Net charge-offs to loans | 0.0662% | 4,976 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,092 |
| Efficiency ratio | 79.2357% | 2,516 |
| Assets per employee ($millions) | 4.3785% | 3,032 |
| Cash dividends to net income (ytd only)* | 62.8205% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,559 |
| Loan loss allowance to noncurrent loans | 68.3721% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 5,088 |
| Noncurrent loans to loans | 2.0503% | 3,412 |
| Net loans and leases to total assets | 42.9354% | 6,529 |
| Net loans and leases to deposits | 48.7195% | 6,686 |
| Net loans and leases to core deposits | 50.0569% | 6,752 |
| Total domestic deposits to total assets | 88.1278% | 2,058 |
| Equity capital to assets | 8.4775% | 6,215 |
| Core capital (leverage) ratio | 7.8704% | 6,439 |
| Tier 1 risk-based capital ratio | 16.9346% | 2,553 |
| Total risk-based capital ratio | 18.1875% | 2,519 |
| Memoranda: | ||
| Average total assets | $47,903,670 | 6,542 |
| Average earning assets | $42,827,670 | 6,548 |
| Average equity | $3,737,330 | 6,917 |
| Average total loans | $21,143,330 | 6,740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 2,471 |
| Cost of funding earning assets | 1.9837% | 176 |
| Net interest margin | 3.1571% | 6,198 |
| Noninterest income to average assets | 0.4019% | 4,686 |
| Noninterest expense to average assets | 2.6458% | 5,054 |
| Loan and lease loss provision to assets | 0.0586% | 5,267 |
| Net operating income to assets | 0.5359% | 4,327 |
| Return on assets (ROA) | 0.5359% | 4,411 |
| Pretax return on assets | 0.5359% | 4,911 |
| Return on Equity (ROE) | 7.1819% | 3,301 |
| Retained earnings to average equity (ytd only) | -2.5810% | 6,232 |
| Net charge-offs to loans | -0.0188% | 6,548 |
| Credit loss provision to net charge-offs | -700.0000% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6537% | 2,278 |
| Assets per employee ($millions) | 4.9581% | 2,226 |
| Cash dividends to net income (ytd only)* | 135.9375% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,626 |
| Loan loss allowance to noncurrent loans | 96.0912% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 5,727 |
| Noncurrent loans to loans | 1.4650% | 4,268 |
| Net loans and leases to total assets | 41.6692% | 6,654 |
| Net loans and leases to deposits | 46.5724% | 6,815 |
| Net loans and leases to core deposits | 48.8716% | 6,840 |
| Total domestic deposits to total assets | 89.4718% | 1,498 |
| Equity capital to assets | 7.2487% | 6,994 |
| Core capital (leverage) ratio | 7.6496% | 6,602 |
| Tier 1 risk-based capital ratio | 16.1713% | 2,824 |
| Total risk-based capital ratio | 17.4207% | 2,789 |
| Memoranda: | ||
| Average total assets | $47,774,000 | 6,591 |
| Average earning assets | $42,950,500 | 6,589 |
| Average equity | $3,564,500 | 6,996 |
| Average total loans | $21,228,500 | 6,784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9664% | 913 |
| Cost of funding earning assets | 2.2935% | 216 |
| Net interest margin | 3.6729% | 4,478 |
| Noninterest income to average assets | 0.5420% | 3,871 |
| Noninterest expense to average assets | 2.9203% | 4,141 |
| Loan and lease loss provision to assets | 0.0701% | 6,439 |
| Net operating income to assets | 0.7616% | 2,951 |
| Return on assets (ROA) | 0.7126% | 3,312 |
| Pretax return on assets | 0.7126% | 3,929 |
| Return on Equity (ROE) | 8.6300% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.7722% | 1,951 |
| Net charge-offs to loans | 0.1519% | 5,441 |
| Credit loss provision to net charge-offs | 90.9091% | 5,086 |
| Earnings coverage of net charge-offs (x) | 10.7879% | 1,672 |
| Efficiency ratio | 77.8331% | 2,734 |
| Assets per employee ($millions) | 3.8306% | 4,177 |
| Cash dividends to net income (ytd only)* | 33.1148% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 4,826 |
| Loan loss allowance to noncurrent loans | 207.9710% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 6,489 |
| Noncurrent loans to loans | 0.6418% | 5,768 |
| Net loans and leases to total assets | 46.1527% | 6,544 |
| Net loans and leases to deposits | 51.9733% | 6,743 |
| Net loans and leases to core deposits | 54.7611% | 6,766 |
| Total domestic deposits to total assets | 88.8007% | 1,770 |
| Equity capital to assets | 7.6903% | 6,756 |
| Core capital (leverage) ratio | 7.9997% | 6,203 |
| Tier 1 risk-based capital ratio | 15.9656% | 2,774 |
| Total risk-based capital ratio | 17.2000% | 2,733 |
| Memoranda: | ||
| Average total assets | $42,803,800 | 6,772 |
| Average earning assets | $37,409,600 | 6,825 |
| Average equity | $3,534,200 | 7,128 |
| Average total loans | $21,728,800 | 6,841 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1089% | 749 |
| Cost of funding earning assets | 2.3173% | 256 |
| Net interest margin | 3.7916% | 4,001 |
| Noninterest income to average assets | 0.5300% | 3,942 |
| Noninterest expense to average assets | 2.9578% | 3,896 |
| Loan and lease loss provision to assets | 0.0698% | 6,365 |
| Net operating income to assets | 0.7997% | 2,996 |
| Return on assets (ROA) | 0.7236% | 3,457 |
| Pretax return on assets | 0.7236% | 4,162 |
| Return on Equity (ROE) | 8.6019% | 2,647 |
| Retained earnings to average equity (ytd only) | 4.7915% | 3,135 |
| Net charge-offs to loans | 0.1285% | 5,264 |
| Credit loss provision to net charge-offs | 104.7619% | 4,092 |
| Earnings coverage of net charge-offs (x) | 13.0471% | 1,628 |
| Efficiency ratio | 77.2803% | 2,727 |
| Assets per employee ($millions) | 3.8078% | 4,244 |
| Cash dividends to net income (ytd only)* | 44.2975% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,862 |
| Loan loss allowance to noncurrent loans | 161.6667% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 6,431 |
| Noncurrent loans to loans | 0.8152% | 5,588 |
| Net loans and leases to total assets | 47.6856% | 6,550 |
| Net loans and leases to deposits | 54.0683% | 6,766 |
| Net loans and leases to core deposits | 56.9945% | 6,790 |
| Total domestic deposits to total assets | 88.1951% | 1,858 |
| Equity capital to assets | 8.1588% | 6,661 |
| Core capital (leverage) ratio | 8.2039% | 6,031 |
| Tier 1 risk-based capital ratio | 15.9286% | 2,796 |
| Total risk-based capital ratio | 17.1782% | 2,742 |
| Memoranda: | ||
| Average total assets | $42,013,000 | 6,885 |
| Average earning assets | $36,536,000 | 6,938 |
| Average equity | $3,534,000 | 7,216 |
| Average total loans | $21,785,500 | 6,924 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2987% | 517 |
| Cost of funding earning assets | 2.3613% | 274 |
| Net interest margin | 3.9374% | 3,289 |
| Noninterest income to average assets | 0.5002% | 4,118 |
| Noninterest expense to average assets | 3.0402% | 3,554 |
| Loan and lease loss provision to assets | 0.0736% | 6,211 |
| Net operating income to assets | 0.7797% | 3,068 |
| Return on assets (ROA) | 0.7797% | 3,212 |
| Pretax return on assets | 0.7797% | 3,953 |
| Return on Equity (ROE) | 9.1660% | 2,402 |
| Retained earnings to average equity (ytd only) | 4.1507% | 3,428 |
| Net charge-offs to loans | -0.0277% | 7,335 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0856% | 2,718 |
| Assets per employee ($millions) | 3.5578% | 4,785 |
| Cash dividends to net income (ytd only)* | 54.7170% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 4,324 |
| Loan loss allowance to noncurrent loans | 362.3529% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,731 |
| Noncurrent loans to loans | 0.3925% | 6,454 |
| Net loans and leases to total assets | 50.0047% | 6,431 |
| Net loans and leases to deposits | 57.0234% | 6,654 |
| Net loans and leases to core deposits | 58.9231% | 6,771 |
| Total domestic deposits to total assets | 87.6915% | 2,165 |
| Equity capital to assets | 8.4625% | 6,212 |
| Core capital (leverage) ratio | 8.5759% | 5,282 |
| Tier 1 risk-based capital ratio | 15.4477% | 2,925 |
| Total risk-based capital ratio | 16.6990% | 2,886 |
| Memoranda: | ||
| Average total assets | $40,786,330 | 6,969 |
| Average earning assets | $35,150,330 | 7,035 |
| Average equity | $3,469,330 | 7,273 |
| Average total loans | $21,687,330 | 6,984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4348% | 404 |
| Cost of funding earning assets | 2.4042% | 301 |
| Net interest margin | 4.0306% | 2,742 |
| Noninterest income to average assets | 0.4921% | 4,107 |
| Noninterest expense to average assets | 3.1331% | 3,123 |
| Loan and lease loss provision to assets | 0.0803% | 5,840 |
| Net operating income to assets | 0.7130% | 3,380 |
| Return on assets (ROA) | 0.7130% | 3,489 |
| Pretax return on assets | 0.7130% | 4,188 |
| Return on Equity (ROE) | 8.3591% | 2,712 |
| Retained earnings to average equity (ytd only) | -0.5887% | 5,969 |
| Net charge-offs to loans | -0.1290% | 7,569 |
| Credit loss provision to net charge-offs | -114.2857% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7954% | 2,598 |
| Assets per employee ($millions) | 3.7196% | 4,529 |
| Cash dividends to net income (ytd only)* | 107.0423% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,462 |
| Loan loss allowance to noncurrent loans | 213.2867% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 6,601 |
| Noncurrent loans to loans | 0.6521% | 6,021 |
| Net loans and leases to total assets | 52.8473% | 6,170 |
| Net loans and leases to deposits | 60.3001% | 6,437 |
| Net loans and leases to core deposits | 62.3932% | 6,569 |
| Total domestic deposits to total assets | 87.6405% | 2,270 |
| Equity capital to assets | 8.3439% | 6,240 |
| Core capital (leverage) ratio | 8.9175% | 4,704 |
| Tier 1 risk-based capital ratio | 15.1316% | 3,053 |
| Total risk-based capital ratio | 16.3807% | 3,006 |
| Memoranda: | ||
| Average total assets | $39,832,500 | 7,091 |
| Average earning assets | $33,940,500 | 7,165 |
| Average equity | $3,397,500 | 7,374 |
| Average total loans | $21,702,500 | 7,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6943% | 468 |
| Cost of funding earning assets | 2.5276% | 956 |
| Net interest margin | 4.1667% | 2,198 |
| Noninterest income to average assets | 0.5485% | 4,037 |
| Noninterest expense to average assets | 3.2830% | 3,072 |
| Loan and lease loss provision to assets | 0.0787% | 6,814 |
| Net operating income to assets | 0.8293% | 2,418 |
| Return on assets (ROA) | 0.8109% | 2,576 |
| Pretax return on assets | 0.8109% | 3,205 |
| Return on Equity (ROE) | 10.0045% | 1,689 |
| Retained earnings to average equity (ytd only) | 7.1877% | 902 |
| Net charge-offs to loans | 0.0742% | 6,370 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 23.0667% | 943 |
| Efficiency ratio | 78.3344% | 3,140 |
| Assets per employee ($millions) | 3.2291% | 5,653 |
| Cash dividends to net income (ytd only)* | 28.1553% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,476 |
| Loan loss allowance to noncurrent loans | 197.2789% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 6,502 |
| Noncurrent loans to loans | 0.6845% | 5,870 |
| Net loans and leases to total assets | 54.6775% | 6,123 |
| Net loans and leases to deposits | 63.7011% | 6,306 |
| Net loans and leases to core deposits | 71.1857% | 6,699 |
| Total domestic deposits to total assets | 85.8345% | 3,091 |
| Equity capital to assets | 8.7254% | 5,555 |
| Core capital (leverage) ratio | 9.1799% | 4,151 |
| Tier 1 risk-based capital ratio | 15.4195% | 2,747 |
| Total risk-based capital ratio | 16.6681% | 2,705 |
| Memoranda: | ||
| Average total assets | $38,105,000 | 7,167 |
| Average earning assets | $33,311,800 | 7,216 |
| Average equity | $3,088,600 | 7,566 |
| Average total loans | $20,227,600 | 7,177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6981% | 512 |
| Cost of funding earning assets | 2.5429% | 1,171 |
| Net interest margin | 4.1552% | 2,197 |
| Noninterest income to average assets | 0.5236% | 4,290 |
| Noninterest expense to average assets | 3.3066% | 2,894 |
| Loan and lease loss provision to assets | 0.0808% | 6,558 |
| Net operating income to assets | 0.7766% | 2,911 |
| Return on assets (ROA) | 0.7941% | 2,902 |
| Pretax return on assets | 0.7941% | 3,560 |
| Return on Equity (ROE) | 9.9927% | 1,914 |
| Retained earnings to average equity (ytd only) | 6.1459% | 1,880 |
| Net charge-offs to loans | 0.0737% | 5,950 |
| Credit loss provision to net charge-offs | 209.0909% | 2,112 |
| Earnings coverage of net charge-offs (x) | 22.1766% | 1,167 |
| Efficiency ratio | 79.4093% | 2,937 |
| Assets per employee ($millions) | 3.0923% | 5,929 |
| Cash dividends to net income (ytd only)* | 38.4960% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,834 |
| Loan loss allowance to noncurrent loans | 152.6596% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 6,198 |
| Noncurrent loans to loans | 0.9308% | 5,432 |
| Net loans and leases to total assets | 53.6569% | 6,427 |
| Net loans and leases to deposits | 61.9663% | 6,678 |
| Net loans and leases to core deposits | 69.1162% | 7,009 |
| Total domestic deposits to total assets | 86.5905% | 2,383 |
| Equity capital to assets | 8.9064% | 5,623 |
| Core capital (leverage) ratio | 9.2367% | 4,282 |
| Tier 1 risk-based capital ratio | 15.7985% | 2,704 |
| Total risk-based capital ratio | 17.0500% | 2,639 |
| Memoranda: | ||
| Average total assets | $37,944,000 | 7,236 |
| Average earning assets | $33,242,500 | 7,278 |
| Average equity | $3,015,500 | 7,656 |
| Average total loans | $19,915,250 | 7,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6349% | 620 |
| Cost of funding earning assets | 2.5616% | 1,396 |
| Net interest margin | 4.0733% | 2,427 |
| Noninterest income to average assets | 0.5285% | 4,203 |
| Noninterest expense to average assets | 3.3122% | 2,908 |
| Loan and lease loss provision to assets | 0.0785% | 6,402 |
| Net operating income to assets | 0.6907% | 3,297 |
| Return on assets (ROA) | 0.7430% | 3,184 |
| Pretax return on assets | 0.7430% | 3,857 |
| Return on Equity (ROE) | 9.7294% | 2,119 |
| Retained earnings to average equity (ytd only) | 4.5221% | 2,778 |
| Net charge-offs to loans | 0.0908% | 5,276 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,537 |
| Efficiency ratio | 81.1538% | 2,860 |
| Assets per employee ($millions) | 3.1035% | 5,858 |
| Cash dividends to net income (ytd only)* | 53.5211% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 3,557 |
| Loan loss allowance to noncurrent loans | 234.1667% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 6,663 |
| Noncurrent loans to loans | 0.6117% | 6,034 |
| Net loans and leases to total assets | 51.9172% | 6,698 |
| Net loans and leases to deposits | 58.3821% | 6,995 |
| Net loans and leases to core deposits | 64.8651% | 7,256 |
| Total domestic deposits to total assets | 88.9265% | 1,301 |
| Equity capital to assets | 7.9614% | 6,797 |
| Core capital (leverage) ratio | 8.8924% | 4,797 |
| Tier 1 risk-based capital ratio | 15.4236% | 2,847 |
| Total risk-based capital ratio | 16.6720% | 2,773 |
| Memoranda: | ||
| Average total assets | $38,222,670 | 7,285 |
| Average earning assets | $33,338,670 | 7,345 |
| Average equity | $2,919,000 | 7,750 |
| Average total loans | $19,821,000 | 7,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5343% | 812 |
| Cost of funding earning assets | 2.5730% | 1,645 |
| Net interest margin | 3.9613% | 2,811 |
| Noninterest income to average assets | 0.4650% | 4,637 |
| Noninterest expense to average assets | 3.1824% | 3,063 |
| Loan and lease loss provision to assets | 0.0723% | 6,056 |
| Net operating income to assets | 0.6303% | 3,881 |
| Return on assets (ROA) | 0.7336% | 3,604 |
| Pretax return on assets | 0.7336% | 4,309 |
| Return on Equity (ROE) | 9.8066% | 2,396 |
| Retained earnings to average equity (ytd only) | -0.6906% | 5,811 |
| Net charge-offs to loans | 0.3012% | 2,904 |
| Credit loss provision to net charge-offs | 46.6667% | 4,732 |
| Earnings coverage of net charge-offs (x) | 4.5333% | 2,866 |
| Efficiency ratio | 81.9149% | 2,544 |
| Assets per employee ($millions) | 3.2509% | 5,457 |
| Cash dividends to net income (ytd only)* | 107.0423% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 3,756 |
| Loan loss allowance to noncurrent loans | 232.1739% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 6,632 |
| Noncurrent loans to loans | 0.5842% | 5,936 |
| Net loans and leases to total assets | 49.7731% | 6,880 |
| Net loans and leases to deposits | 55.0103% | 7,220 |
| Net loans and leases to core deposits | 60.6876% | 7,429 |
| Total domestic deposits to total assets | 90.4796% | 600 |
| Equity capital to assets | 6.5648% | 7,850 |
| Core capital (leverage) ratio | 8.6444% | 5,269 |
| Tier 1 risk-based capital ratio | 15.9218% | 2,717 |
| Total risk-based capital ratio | 17.1689% | 2,659 |
| Memoranda: | ||
| Average total assets | $38,713,000 | 7,312 |
| Average earning assets | $33,423,500 | 7,381 |
| Average equity | $2,896,000 | 7,815 |
| Average total loans | $19,923,500 | 7,364 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2719% | 632 |
| Cost of funding earning assets | 2.7084% | 3,127 |
| Net interest margin | 4.5634% | 1,277 |
| Noninterest income to average assets | 0.5713% | 4,073 |
| Noninterest expense to average assets | 3.0478% | 3,905 |
| Loan and lease loss provision to assets | 0.0776% | 6,427 |
| Net operating income to assets | 1.4037% | 1,217 |
| Return on assets (ROA) | -6.3489% | 8,159 |
| Pretax return on assets | -6.3256% | 8,122 |
| Return on Equity (ROE) | -47.3711% | 8,138 |
| Retained earnings to average equity (ytd only) | -59.7539% | 8,190 |
| Net charge-offs to loans | 0.0726% | 5,727 |
| Credit loss provision to net charge-offs | 214.2857% | 2,254 |
| Earnings coverage of net charge-offs (x) | 41.5714% | 885 |
| Efficiency ratio | 66.9506% | 4,915 |
| Assets per employee ($millions) | 3.2013% | 5,484 |
| Cash dividends to net income (ytd only)* | -26.1401% | 7,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,397 |
| Loan loss allowance to noncurrent loans | 466.1017% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 6,955 |
| Noncurrent loans to loans | 0.2926% | 6,501 |
| Net loans and leases to total assets | 51.7714% | 6,864 |
| Net loans and leases to deposits | 61.0530% | 7,011 |
| Net loans and leases to core deposits | 67.9073% | 7,293 |
| Total domestic deposits to total assets | 84.7976% | 2,934 |
| Equity capital to assets | 8.4108% | 6,233 |
| Core capital (leverage) ratio | 8.6221% | 5,342 |
| Tier 1 risk-based capital ratio | 15.8739% | 2,715 |
| Total risk-based capital ratio | 17.1246% | 2,654 |
| Memoranda: | ||
| Average total assets | $38,684,000 | 7,273 |
| Average earning assets | $33,746,400 | 7,336 |
| Average equity | $5,184,600 | 7,088 |
| Average total loans | $19,290,000 | 7,378 |