Home > Miners & Merchants Bank > Performance and Condition Ratios
Miners & Merchants 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 | 2.8679% | 4,541 |
| Cost of funding earning assets | 0.6323% | 4,029 |
| Net interest margin | 2.2356% | 4,297 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.4446% | 2,458 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -0.0546% | 4,412 |
| Return on assets (ROA) | -0.0546% | 4,397 |
| Pretax return on assets | -0.0546% | 4,384 |
| Return on Equity (ROE) | -0.4000% | 4,365 |
| Retained earnings to average equity (ytd only) | -0.6970% | 4,163 |
| Net charge-offs to loans | -0.0042% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.9141% | 173 |
| Assets per employee ($millions) | 4.2363% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 4,195 |
| Loan loss allowance to noncurrent loans | 97.6608% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 1,952 |
| Noncurrent loans to loans | 0.6587% | 1,191 |
| Net loans and leases to total assets | 38.0500% | 4,094 |
| Net loans and leases to deposits | 44.6553% | 4,084 |
| Net loans and leases to core deposits | 45.3358% | 4,169 |
| Total domestic deposits to total assets | 85.2100% | 2,244 |
| Equity capital to assets | 13.4462% | 777 |
| Core capital (leverage) ratio | 13.5245% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,740,200 | 4,137 |
| Average earning assets | $64,053,800 | 4,100 |
| Average equity | $9,182,600 | 3,802 |
| Average total loans | $23,571,000 | 4,242 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7855% | 4,562 |
| Cost of funding earning assets | 0.5671% | 4,035 |
| Net interest margin | 2.2184% | 4,344 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.4075% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0039% | 4,440 |
| Return on assets (ROA) | -0.0039% | 4,417 |
| Pretax return on assets | -0.0039% | 4,407 |
| Return on Equity (ROE) | -0.0300% | 4,386 |
| Retained earnings to average equity (ytd only) | -0.0290% | 4,149 |
| Net charge-offs to loans | -0.0058% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.1638% | 176 |
| Assets per employee ($millions) | 4.0094% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5911% | 4,281 |
| Loan loss allowance to noncurrent loans | 73.9796% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 1,852 |
| Noncurrent loans to loans | 0.7991% | 1,046 |
| Net loans and leases to total assets | 35.7800% | 4,192 |
| Net loans and leases to deposits | 44.5045% | 4,095 |
| Net loans and leases to core deposits | 44.9632% | 4,152 |
| Total domestic deposits to total assets | 80.3900% | 3,475 |
| Equity capital to assets | 13.4626% | 730 |
| Core capital (leverage) ratio | 13.5856% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,730,000 | 4,150 |
| Average earning assets | $63,948,250 | 4,120 |
| Average equity | $9,199,750 | 3,800 |
| Average total loans | $22,974,000 | 4,272 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7167% | 4,596 |
| Cost of funding earning assets | 0.4194% | 4,133 |
| Net interest margin | 2.2973% | 4,366 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.3348% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1361% | 4,337 |
| Return on assets (ROA) | 0.1361% | 4,369 |
| Pretax return on assets | 0.1361% | 4,370 |
| Return on Equity (ROE) | 1.0000% | 4,373 |
| Retained earnings to average equity (ytd only) | 0.9992% | 3,917 |
| Net charge-offs to loans | -0.0089% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.4910% | 253 |
| Assets per employee ($millions) | 3.6966% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 4,281 |
| Loan loss allowance to noncurrent loans | 35.6265% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 932 |
| Noncurrent loans to loans | 1.7322% | 355 |
| Net loans and leases to total assets | 33.2500% | 4,261 |
| Net loans and leases to deposits | 42.8325% | 4,138 |
| Net loans and leases to core deposits | 43.2722% | 4,191 |
| Total domestic deposits to total assets | 77.6200% | 3,887 |
| Equity capital to assets | 13.1329% | 781 |
| Core capital (leverage) ratio | 13.7331% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $67,587,000 | 4,170 |
| Average earning assets | $63,902,000 | 4,140 |
| Average equity | $9,207,667 | 3,825 |
| Average total loans | $22,455,667 | 4,297 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7376% | 4,612 |
| Cost of funding earning assets | 0.2425% | 4,308 |
| Net interest margin | 2.4951% | 4,309 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.2999% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3562% | 4,161 |
| Return on assets (ROA) | 0.3562% | 4,115 |
| Pretax return on assets | 0.3562% | 4,196 |
| Return on Equity (ROE) | 2.5700% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.5654% | 3,587 |
| Net charge-offs to loans | 0.0182% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,029 |
| Efficiency ratio | 86.5909% | 486 |
| Assets per employee ($millions) | 3.4468% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 4,309 |
| Loan loss allowance to noncurrent loans | 39.9441% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 946 |
| Noncurrent loans to loans | 1.6246% | 394 |
| Net loans and leases to total assets | 33.4300% | 4,283 |
| Net loans and leases to deposits | 39.4319% | 4,240 |
| Net loans and leases to core deposits | 39.6318% | 4,279 |
| Total domestic deposits to total assets | 84.7800% | 2,912 |
| Equity capital to assets | 14.0922% | 584 |
| Core capital (leverage) ratio | 14.0592% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $66,262,500 | 4,242 |
| Average earning assets | $62,682,500 | 4,209 |
| Average equity | $9,199,500 | 3,871 |
| Average total loans | $21,935,500 | 4,362 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4734% | 4,512 |
| Cost of funding earning assets | 0.1647% | 4,032 |
| Net interest margin | 2.3087% | 4,424 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.3066% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1805% | 4,460 |
| Return on assets (ROA) | 0.1805% | 4,443 |
| Pretax return on assets | 0.1805% | 4,456 |
| Return on Equity (ROE) | 1.3000% | 4,458 |
| Retained earnings to average equity (ytd only) | 0.8988% | 4,220 |
| Net charge-offs to loans | 0.0303% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 19.8333% | 1,899 |
| Efficiency ratio | 92.7439% | 247 |
| Assets per employee ($millions) | 3.9432% | 4,302 |
| Cash dividends to net income (ytd only)* | 31.0924% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 4,271 |
| Loan loss allowance to noncurrent loans | 57.6000% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 1,373 |
| Noncurrent loans to loans | 1.1450% | 620 |
| Net loans and leases to total assets | 32.3600% | 4,328 |
| Net loans and leases to deposits | 37.5621% | 4,307 |
| Net loans and leases to core deposits | 37.5621% | 4,340 |
| Total domestic deposits to total assets | 86.1400% | 2,687 |
| Equity capital to assets | 13.6794% | 609 |
| Core capital (leverage) ratio | 13.6727% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,940,600 | 4,269 |
| Average earning assets | $61,938,800 | 4,239 |
| Average equity | $9,123,400 | 3,980 |
| Average total loans | $19,818,200 | 4,417 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3890% | 4,501 |
| Cost of funding earning assets | 0.1581% | 3,748 |
| Net interest margin | 2.2309% | 4,448 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.2639% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1482% | 4,515 |
| Return on assets (ROA) | 0.1482% | 4,485 |
| Pretax return on assets | 0.1482% | 4,496 |
| Return on Equity (ROE) | 1.0700% | 4,490 |
| Retained earnings to average equity (ytd only) | 0.8780% | 4,233 |
| Net charge-offs to loans | 0.0207% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,631 |
| Efficiency ratio | 93.8552% | 234 |
| Assets per employee ($millions) | 4.1808% | 4,233 |
| Cash dividends to net income (ytd only)* | 17.8082% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 4,224 |
| Loan loss allowance to noncurrent loans | 57.8740% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 1,424 |
| Noncurrent loans to loans | 1.2384% | 587 |
| Net loans and leases to total assets | 30.4400% | 4,409 |
| Net loans and leases to deposits | 35.3273% | 4,383 |
| Net loans and leases to core deposits | 35.3273% | 4,414 |
| Total domestic deposits to total assets | 86.1700% | 3,028 |
| Equity capital to assets | 13.6638% | 598 |
| Core capital (leverage) ratio | 13.7630% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $65,667,000 | 4,305 |
| Average earning assets | $61,558,250 | 4,273 |
| Average equity | $9,111,750 | 4,022 |
| Average total loans | $19,314,000 | 4,456 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3168% | 4,510 |
| Cost of funding earning assets | 0.1603% | 3,440 |
| Net interest margin | 2.1565% | 4,482 |
| Noninterest income to average assets | 0.3187% | 3,263 |
| Noninterest expense to average assets | 2.1790% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1594% | 4,467 |
| Return on assets (ROA) | 0.1594% | 4,432 |
| Pretax return on assets | 0.1594% | 4,441 |
| Return on Equity (ROE) | 1.1426% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.8569% | 4,024 |
| Net charge-offs to loans | 0.0317% | 1,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,605 |
| Efficiency ratio | 93.1848% | 317 |
| Assets per employee ($millions) | 4.3766% | 4,162 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7332% | 4,279 |
| Loan loss allowance to noncurrent loans | 57.6471% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 1,450 |
| Noncurrent loans to loans | 1.2719% | 623 |
| Net loans and leases to total assets | 30.3142% | 4,453 |
| Net loans and leases to deposits | 35.2611% | 4,416 |
| Net loans and leases to core deposits | 35.2611% | 4,456 |
| Total domestic deposits to total assets | 85.9708% | 3,254 |
| Equity capital to assets | 13.8905% | 535 |
| Core capital (leverage) ratio | 13.7781% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,258,667 | 4,349 |
| Average earning assets | $61,118,000 | 4,337 |
| Average equity | $9,102,333 | 4,093 |
| Average total loans | $18,915,333 | 4,520 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2630% | 4,484 |
| Cost of funding earning assets | 0.1649% | 3,298 |
| Net interest margin | 2.0981% | 4,449 |
| Noninterest income to average assets | 0.3012% | 3,310 |
| Noninterest expense to average assets | 2.0964% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1598% | 4,390 |
| Return on assets (ROA) | 0.1598% | 4,359 |
| Pretax return on assets | 0.1598% | 4,375 |
| Return on Equity (ROE) | 1.1436% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.1436% | 3,794 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9155% | 425 |
| Assets per employee ($millions) | 4.6676% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,212 |
| Loan loss allowance to noncurrent loans | 58.8235% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 1,544 |
| Noncurrent loans to loans | 1.3890% | 616 |
| Net loans and leases to total assets | 27.8640% | 4,514 |
| Net loans and leases to deposits | 32.4268% | 4,486 |
| Net loans and leases to core deposits | 32.4268% | 4,520 |
| Total domestic deposits to total assets | 85.9287% | 3,281 |
| Equity capital to assets | 13.9366% | 536 |
| Core capital (leverage) ratio | 13.9183% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,063,500 | 4,373 |
| Average earning assets | $60,627,000 | 4,366 |
| Average equity | $9,094,000 | 4,147 |
| Average total loans | $18,349,000 | 4,547 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3832% | 4,548 |
| Cost of funding earning assets | 0.2058% | 3,410 |
| Net interest margin | 2.1774% | 4,500 |
| Noninterest income to average assets | 0.4974% | 2,579 |
| Noninterest expense to average assets | 2.2627% | 2,909 |
| Loan and lease loss provision to assets | 0.0235% | 2,598 |
| Net operating income to assets | 0.1934% | 4,541 |
| Return on assets (ROA) | 0.1961% | 4,557 |
| Pretax return on assets | 0.2228% | 4,553 |
| Return on Equity (ROE) | 1.3670% | 4,568 |
| Retained earnings to average equity (ytd only) | 0.4812% | 4,379 |
| Net charge-offs to loans | 0.0359% | 1,531 |
| Credit loss provision to net charge-offs | 214.2857% | 1,271 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,806 |
| Efficiency ratio | 90.2943% | 320 |
| Assets per employee ($millions) | 4.6272% | 4,016 |
| Cash dividends to net income (ytd only)* | 64.8000% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 4,238 |
| Loan loss allowance to noncurrent loans | 59.0551% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 1,654 |
| Noncurrent loans to loans | 1.3850% | 675 |
| Net loans and leases to total assets | 28.0792% | 4,567 |
| Net loans and leases to deposits | 32.7088% | 4,564 |
| Net loans and leases to core deposits | 32.7088% | 4,588 |
| Total domestic deposits to total assets | 85.8462% | 2,959 |
| Equity capital to assets | 14.0180% | 659 |
| Core capital (leverage) ratio | 13.7480% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,730,000 | 4,405 |
| Average earning assets | $58,786,800 | 4,394 |
| Average equity | $9,144,000 | 4,230 |
| Average total loans | $19,491,600 | 4,578 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3943% | 4,637 |
| Cost of funding earning assets | 0.2119% | 3,495 |
| Net interest margin | 2.1825% | 4,582 |
| Noninterest income to average assets | 0.6491% | 2,013 |
| Noninterest expense to average assets | 2.2100% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3684% | 4,421 |
| Return on assets (ROA) | 0.3718% | 4,446 |
| Pretax return on assets | 0.4559% | 4,424 |
| Return on Equity (ROE) | 2.5764% | 4,518 |
| Retained earnings to average equity (ytd only) | 1.9942% | 4,186 |
| Net charge-offs to loans | 0.0337% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,320 |
| Efficiency ratio | 83.0308% | 575 |
| Assets per employee ($millions) | 4.2873% | 4,274 |
| Cash dividends to net income (ytd only)* | 22.5989% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 4,532 |
| Loan loss allowance to noncurrent loans | 41.7683% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 1,496 |
| Noncurrent loans to loans | 1.6299% | 624 |
| Net loans and leases to total assets | 31.0796% | 4,562 |
| Net loans and leases to deposits | 36.3407% | 4,569 |
| Net loans and leases to core deposits | 36.3407% | 4,604 |
| Total domestic deposits to total assets | 85.5230% | 2,934 |
| Equity capital to assets | 14.2639% | 679 |
| Core capital (leverage) ratio | 14.2586% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,467,250 | 4,470 |
| Average earning assets | $58,525,750 | 4,460 |
| Average equity | $9,159,750 | 4,288 |
| Average total loans | $19,779,500 | 4,641 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4039% | 4,672 |
| Cost of funding earning assets | 0.2235% | 3,526 |
| Net interest margin | 2.1803% | 4,611 |
| Noninterest income to average assets | 0.8166% | 1,489 |
| Noninterest expense to average assets | 2.1429% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6460% | 3,882 |
| Return on assets (ROA) | 0.6520% | 3,933 |
| Pretax return on assets | 0.6869% | 4,092 |
| Return on Equity (ROE) | 4.5001% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.6263% | 3,640 |
| Net charge-offs to loans | 0.0509% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,126 |
| Efficiency ratio | 75.8969% | 1,089 |
| Assets per employee ($millions) | 3.9497% | 4,479 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 4,565 |
| Loan loss allowance to noncurrent loans | 51.5038% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 1,930 |
| Noncurrent loans to loans | 1.3194% | 889 |
| Net loans and leases to total assets | 31.6861% | 4,597 |
| Net loans and leases to deposits | 37.1530% | 4,607 |
| Net loans and leases to core deposits | 37.1530% | 4,647 |
| Total domestic deposits to total assets | 85.2852% | 2,991 |
| Equity capital to assets | 14.5613% | 608 |
| Core capital (leverage) ratio | 14.3806% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,186,667 | 4,499 |
| Average earning assets | $58,156,667 | 4,495 |
| Average equity | $9,155,333 | 4,307 |
| Average total loans | $19,664,667 | 4,673 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4041% | 4,712 |
| Cost of funding earning assets | 0.2267% | 3,668 |
| Net interest margin | 2.1774% | 4,627 |
| Noninterest income to average assets | 1.0952% | 988 |
| Noninterest expense to average assets | 2.0449% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0573% | 2,612 |
| Return on assets (ROA) | 1.0699% | 2,654 |
| Pretax return on assets | 1.0699% | 3,194 |
| Return on Equity (ROE) | 7.4025% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.4025% | 2,452 |
| Net charge-offs to loans | 0.0206% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 457 |
| Efficiency ratio | 65.9184% | 2,244 |
| Assets per employee ($millions) | 4.0328% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 4,563 |
| Loan loss allowance to noncurrent loans | 116.5289% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 3,226 |
| Noncurrent loans to loans | 0.6042% | 2,060 |
| Net loans and leases to total assets | 30.8195% | 4,673 |
| Net loans and leases to deposits | 36.0214% | 4,678 |
| Net loans and leases to core deposits | 36.0214% | 4,723 |
| Total domestic deposits to total assets | 85.5589% | 2,904 |
| Equity capital to assets | 14.2676% | 616 |
| Core capital (leverage) ratio | 14.5411% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,182,500 | 4,518 |
| Average earning assets | $58,233,500 | 4,515 |
| Average equity | $9,132,000 | 4,320 |
| Average total loans | $19,416,500 | 4,706 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6328% | 4,815 |
| Cost of funding earning assets | 0.3200% | 4,025 |
| Net interest margin | 2.3129% | 4,712 |
| Noninterest income to average assets | 0.3836% | 3,187 |
| Noninterest expense to average assets | 2.5267% | 2,765 |
| Loan and lease loss provision to assets | -0.0860% | 4,952 |
| Net operating income to assets | 0.0592% | 4,696 |
| Return on assets (ROA) | 0.0636% | 4,726 |
| Pretax return on assets | 0.0740% | 4,718 |
| Return on Equity (ROE) | 0.4084% | 4,734 |
| Retained earnings to average equity (ytd only) | -0.0331% | 4,519 |
| Net charge-offs to loans | 0.0466% | 2,132 |
| Credit loss provision to net charge-offs | -625.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | -1.2500% | 3,354 |
| Efficiency ratio | 100.6854% | 164 |
| Assets per employee ($millions) | 3.8651% | 4,464 |
| Cash dividends to net income (ytd only)* | 108.1081% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,502 |
| Loan loss allowance to noncurrent loans | 115.4472% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 3,290 |
| Noncurrent loans to loans | 0.6540% | 2,048 |
| Net loans and leases to total assets | 30.1806% | 4,745 |
| Net loans and leases to deposits | 35.4378% | 4,755 |
| Net loans and leases to core deposits | 35.4378% | 4,786 |
| Total domestic deposits to total assets | 85.1652% | 2,696 |
| Equity capital to assets | 14.6472% | 646 |
| Core capital (leverage) ratio | 14.8275% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,139,400 | 4,538 |
| Average earning assets | $53,440,400 | 4,534 |
| Average equity | $9,060,800 | 4,308 |
| Average total loans | $17,180,400 | 4,767 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7064% | 4,859 |
| Cost of funding earning assets | 0.3450% | 4,084 |
| Net interest margin | 2.3615% | 4,750 |
| Noninterest income to average assets | 0.3822% | 3,171 |
| Noninterest expense to average assets | 2.4958% | 2,870 |
| Loan and lease loss provision to assets | -0.1171% | 5,003 |
| Net operating income to assets | 0.0667% | 4,729 |
| Return on assets (ROA) | 0.0722% | 4,751 |
| Pretax return on assets | 0.1794% | 4,671 |
| Return on Equity (ROE) | 0.4561% | 4,755 |
| Retained earnings to average equity (ytd only) | 0.1619% | 4,452 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8082% | 195 |
| Assets per employee ($millions) | 3.6919% | 4,556 |
| Cash dividends to net income (ytd only)* | 64.5161% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 4,269 |
| Loan loss allowance to noncurrent loans | 83.7989% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 2,941 |
| Noncurrent loans to loans | 0.9985% | 1,498 |
| Net loans and leases to total assets | 30.0943% | 4,821 |
| Net loans and leases to deposits | 35.6195% | 4,828 |
| Net loans and leases to core deposits | 35.6195% | 4,852 |
| Total domestic deposits to total assets | 84.4882% | 2,637 |
| Equity capital to assets | 15.3578% | 561 |
| Core capital (leverage) ratio | 15.2384% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,214,000 | 4,566 |
| Average earning assets | $52,564,500 | 4,568 |
| Average equity | $9,061,500 | 4,316 |
| Average total loans | $16,774,000 | 4,803 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7827% | 4,914 |
| Cost of funding earning assets | 0.3882% | 4,088 |
| Net interest margin | 2.3945% | 4,795 |
| Noninterest income to average assets | 0.3923% | 3,133 |
| Noninterest expense to average assets | 2.5409% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0558% | 4,812 |
| Return on assets (ROA) | -0.0530% | 4,817 |
| Pretax return on assets | 0.0565% | 4,754 |
| Return on Equity (ROE) | -0.3312% | 4,813 |
| Retained earnings to average equity (ytd only) | -0.7949% | 4,444 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9564% | 207 |
| Assets per employee ($millions) | 3.1421% | 4,810 |
| Cash dividends to net income (ytd only)* | -140.0000% | 5,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,578 |
| Loan loss allowance to noncurrent loans | 43.9560% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 1,626 |
| Noncurrent loans to loans | 2.7038% | 403 |
| Net loans and leases to total assets | 27.8531% | 4,891 |
| Net loans and leases to deposits | 32.8571% | 4,907 |
| Net loans and leases to core deposits | 32.8571% | 4,914 |
| Total domestic deposits to total assets | 84.7703% | 2,484 |
| Equity capital to assets | 15.1175% | 600 |
| Core capital (leverage) ratio | 15.4859% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8098% | 113 |
| Memoranda: | ||
| Average total assets | $56,595,000 | 4,591 |
| Average earning assets | $52,035,000 | 4,592 |
| Average equity | $9,058,000 | 4,333 |
| Average total loans | $16,389,667 | 4,840 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 4,940 |
| Cost of funding earning assets | 0.4352% | 4,218 |
| Net interest margin | 2.6034% | 4,753 |
| Noninterest income to average assets | 0.3852% | 3,201 |
| Noninterest expense to average assets | 2.4563% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2035% | 4,522 |
| Return on assets (ROA) | 0.2035% | 4,532 |
| Pretax return on assets | 0.3198% | 4,426 |
| Return on Equity (ROE) | 1.2342% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.2342% | 3,682 |
| Net charge-offs to loans | 0.0495% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,373 |
| Efficiency ratio | 88.4817% | 560 |
| Assets per employee ($millions) | 2.9099% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,486 |
| Loan loss allowance to noncurrent loans | 44.8980% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 1,701 |
| Noncurrent loans to loans | 2.7494% | 416 |
| Net loans and leases to total assets | 28.6531% | 4,924 |
| Net loans and leases to deposits | 34.3652% | 4,929 |
| Net loans and leases to core deposits | 34.3652% | 4,943 |
| Total domestic deposits to total assets | 83.3782% | 2,990 |
| Equity capital to assets | 16.4373% | 516 |
| Core capital (leverage) ratio | 16.4284% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5333% | 91 |
| Memoranda: | ||
| Average total assets | $55,043,000 | 4,626 |
| Average earning assets | $50,548,500 | 4,629 |
| Average equity | $9,074,500 | 4,358 |
| Average total loans | $16,170,500 | 4,878 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2766% | 4,975 |
| Cost of funding earning assets | 0.4295% | 4,340 |
| Net interest margin | 2.8471% | 4,712 |
| Noninterest income to average assets | 1.0632% | 839 |
| Noninterest expense to average assets | 2.9849% | 2,055 |
| Loan and lease loss provision to assets | 0.0036% | 3,931 |
| Net operating income to assets | 0.5468% | 4,297 |
| Return on assets (ROA) | 0.5597% | 4,320 |
| Pretax return on assets | 0.7082% | 4,195 |
| Return on Equity (ROE) | 3.4496% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.3221% | 3,866 |
| Net charge-offs to loans | 0.0123% | 3,244 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 411 |
| Efficiency ratio | 81.1024% | 861 |
| Assets per employee ($millions) | 2.7399% | 4,932 |
| Cash dividends to net income (ytd only)* | 32.6861% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,299 |
| Loan loss allowance to noncurrent loans | 56.3380% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 1,965 |
| Noncurrent loans to loans | 2.1778% | 571 |
| Net loans and leases to total assets | 29.3830% | 4,976 |
| Net loans and leases to deposits | 35.2821% | 4,984 |
| Net loans and leases to core deposits | 35.2821% | 5,002 |
| Total domestic deposits to total assets | 83.2801% | 3,109 |
| Equity capital to assets | 16.5356% | 524 |
| Core capital (leverage) ratio | 16.5607% | 462 |
| Tier 1 risk-based capital ratio | 46.4072% | 164 |
| Total risk-based capital ratio | 47.4315% | 162 |
| Memoranda: | ||
| Average total assets | $55,211,200 | 4,662 |
| Average earning assets | $50,753,200 | 4,658 |
| Average equity | $8,957,600 | 4,377 |
| Average total loans | $16,223,600 | 4,941 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,062 |
| Cost of funding earning assets | 0.4269% | 4,409 |
| Net interest margin | 2.8863% | 4,773 |
| Noninterest income to average assets | 0.3784% | 3,445 |
| Noninterest expense to average assets | 2.5068% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3872% | 4,743 |
| Return on assets (ROA) | 0.3929% | 4,761 |
| Pretax return on assets | 0.5351% | 4,643 |
| Return on Equity (ROE) | 2.4332% | 4,852 |
| Retained earnings to average equity (ytd only) | 1.9257% | 4,301 |
| Net charge-offs to loans | 0.0165% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 109.3596% | 700 |
| Efficiency ratio | 82.6052% | 712 |
| Assets per employee ($millions) | 2.7042% | 5,009 |
| Cash dividends to net income (ytd only)* | 20.8577% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,179 |
| Loan loss allowance to noncurrent loans | 57.5581% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 2,093 |
| Noncurrent loans to loans | 2.1872% | 584 |
| Net loans and leases to total assets | 28.7146% | 5,073 |
| Net loans and leases to deposits | 34.4919% | 5,083 |
| Net loans and leases to core deposits | 34.4919% | 5,099 |
| Total domestic deposits to total assets | 83.2501% | 3,079 |
| Equity capital to assets | 16.6075% | 540 |
| Core capital (leverage) ratio | 16.3639% | 516 |
| Tier 1 risk-based capital ratio | 47.8836% | 152 |
| Total risk-based capital ratio | 48.9391% | 152 |
| Memoranda: | ||
| Average total assets | $55,314,750 | 4,730 |
| Average earning assets | $50,906,000 | 4,729 |
| Average equity | $8,931,750 | 4,432 |
| Average total loans | $16,204,250 | 5,018 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 5,114 |
| Cost of funding earning assets | 0.4117% | 4,460 |
| Net interest margin | 2.9167% | 4,807 |
| Noninterest income to average assets | 0.4092% | 3,218 |
| Noninterest expense to average assets | 2.4298% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5319% | 4,457 |
| Return on assets (ROA) | 0.5348% | 4,483 |
| Pretax return on assets | 0.6783% | 4,382 |
| Return on Equity (ROE) | 3.3427% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.5799% | 3,903 |
| Net charge-offs to loans | 0.0244% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 728 |
| Efficiency ratio | 78.2659% | 1,116 |
| Assets per employee ($millions) | 2.9396% | 4,941 |
| Cash dividends to net income (ytd only)* | 22.8188% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,372 |
| Loan loss allowance to noncurrent loans | 49.3766% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 1,915 |
| Noncurrent loans to loans | 2.4861% | 483 |
| Net loans and leases to total assets | 28.5249% | 5,118 |
| Net loans and leases to deposits | 34.0079% | 5,126 |
| Net loans and leases to core deposits | 34.0079% | 5,146 |
| Total domestic deposits to total assets | 83.8773% | 2,916 |
| Equity capital to assets | 16.0564% | 612 |
| Core capital (leverage) ratio | 16.0237% | 538 |
| Tier 1 risk-based capital ratio | 46.1103% | 165 |
| Total risk-based capital ratio | 47.1284% | 166 |
| Memoranda: | ||
| Average total assets | $55,725,000 | 4,759 |
| Average earning assets | $51,496,000 | 4,752 |
| Average equity | $8,915,000 | 4,454 |
| Average total loans | $16,363,000 | 5,059 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 5,143 |
| Cost of funding earning assets | 0.4012% | 4,478 |
| Net interest margin | 2.9553% | 4,812 |
| Noninterest income to average assets | 0.3952% | 3,210 |
| Noninterest expense to average assets | 2.4865% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5102% | 4,492 |
| Return on assets (ROA) | 0.5102% | 4,516 |
| Pretax return on assets | 0.6611% | 4,394 |
| Return on Equity (ROE) | 3.1951% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.1951% | 3,658 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9954% | 1,159 |
| Assets per employee ($millions) | 2.9405% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,411 |
| Loan loss allowance to noncurrent loans | 39.9202% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,570 |
| Noncurrent loans to loans | 3.0894% | 341 |
| Net loans and leases to total assets | 28.6689% | 5,168 |
| Net loans and leases to deposits | 34.1908% | 5,172 |
| Net loans and leases to core deposits | 34.1908% | 5,187 |
| Total domestic deposits to total assets | 83.8497% | 3,097 |
| Equity capital to assets | 15.9731% | 575 |
| Core capital (leverage) ratio | 16.0483% | 524 |
| Tier 1 risk-based capital ratio | 47.1845% | 154 |
| Total risk-based capital ratio | 48.2419% | 152 |
| Memoranda: | ||
| Average total assets | $55,661,000 | 4,813 |
| Average earning assets | $51,839,000 | 4,798 |
| Average equity | $8,888,500 | 4,480 |
| Average total loans | $16,479,500 | 5,115 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1757% | 5,162 |
| Cost of funding earning assets | 0.2841% | 4,642 |
| Net interest margin | 2.8916% | 4,933 |
| Noninterest income to average assets | 0.4798% | 2,947 |
| Noninterest expense to average assets | 2.5699% | 3,415 |
| Loan and lease loss provision to assets | -0.0053% | 5,089 |
| Net operating income to assets | 0.5243% | 4,607 |
| Return on assets (ROA) | 0.5243% | 4,602 |
| Pretax return on assets | 0.6469% | 4,538 |
| Return on Equity (ROE) | 3.3511% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.2037% | 4,277 |
| Net charge-offs to loans | -0.0180% | 4,676 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0221% | 960 |
| Assets per employee ($millions) | 2.7727% | 5,107 |
| Cash dividends to net income (ytd only)* | 34.2373% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,599 |
| Loan loss allowance to noncurrent loans | 36.2976% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 1,379 |
| Noncurrent loans to loans | 3.2911% | 286 |
| Net loans and leases to total assets | 29.8307% | 5,210 |
| Net loans and leases to deposits | 35.7255% | 5,203 |
| Net loans and leases to core deposits | 35.7255% | 5,223 |
| Total domestic deposits to total assets | 83.4995% | 3,160 |
| Equity capital to assets | 15.9649% | 539 |
| Core capital (leverage) ratio | 15.8208% | 545 |
| Tier 1 risk-based capital ratio | 46.4602% | 158 |
| Total risk-based capital ratio | 47.5098% | 157 |
| Memoranda: | ||
| Average total assets | $56,267,800 | 4,827 |
| Average earning assets | $53,153,200 | 4,799 |
| Average equity | $8,803,200 | 4,483 |
| Average total loans | $16,631,000 | 5,157 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 5,232 |
| Cost of funding earning assets | 0.2693% | 4,678 |
| Net interest margin | 2.8654% | 5,021 |
| Noninterest income to average assets | 0.4816% | 2,972 |
| Noninterest expense to average assets | 2.3846% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7201% | 4,163 |
| Return on assets (ROA) | 0.7201% | 4,175 |
| Pretax return on assets | 0.8098% | 4,266 |
| Return on Equity (ROE) | 4.6260% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.1102% | 3,721 |
| Net charge-offs to loans | -0.0321% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6489% | 1,505 |
| Assets per employee ($millions) | 2.8068% | 5,151 |
| Cash dividends to net income (ytd only)* | 11.1469% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,314 |
| Loan loss allowance to noncurrent loans | 36.8231% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 1,476 |
| Noncurrent loans to loans | 3.4195% | 286 |
| Net loans and leases to total assets | 28.4969% | 5,301 |
| Net loans and leases to deposits | 33.9257% | 5,302 |
| Net loans and leases to core deposits | 34.4436% | 5,316 |
| Total domestic deposits to total assets | 83.9978% | 2,940 |
| Equity capital to assets | 15.9096% | 559 |
| Core capital (leverage) ratio | 15.7819% | 554 |
| Tier 1 risk-based capital ratio | 49.7438% | 133 |
| Total risk-based capital ratio | 50.8800% | 133 |
| Memoranda: | ||
| Average total assets | $56,471,500 | 4,878 |
| Average earning assets | $53,463,500 | 4,849 |
| Average equity | $8,790,750 | 4,527 |
| Average total loans | $16,603,250 | 5,222 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0905% | 5,293 |
| Cost of funding earning assets | 0.2687% | 4,642 |
| Net interest margin | 2.8218% | 5,096 |
| Noninterest income to average assets | 0.4666% | 3,054 |
| Noninterest expense to average assets | 2.3788% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6680% | 4,290 |
| Return on assets (ROA) | 0.6680% | 4,297 |
| Pretax return on assets | 0.7599% | 4,367 |
| Return on Equity (ROE) | 4.3230% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.5453% | 3,825 |
| Net charge-offs to loans | -0.0478% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7883% | 1,453 |
| Assets per employee ($millions) | 2.8579% | 5,189 |
| Cash dividends to net income (ytd only)* | 17.9894% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,420 |
| Loan loss allowance to noncurrent loans | 38.9313% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 1,550 |
| Noncurrent loans to loans | 3.2171% | 328 |
| Net loans and leases to total assets | 28.1395% | 5,360 |
| Net loans and leases to deposits | 33.2940% | 5,358 |
| Net loans and leases to core deposits | 34.0028% | 5,366 |
| Total domestic deposits to total assets | 84.5184% | 2,862 |
| Equity capital to assets | 15.4204% | 606 |
| Core capital (leverage) ratio | 15.3458% | 603 |
| Tier 1 risk-based capital ratio | 48.7177% | 144 |
| Total risk-based capital ratio | 49.8452% | 145 |
| Memoranda: | ||
| Average total assets | $56,583,330 | 4,929 |
| Average earning assets | $53,583,330 | 4,905 |
| Average equity | $8,744,000 | 4,573 |
| Average total loans | $16,737,330 | 5,275 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0501% | 5,345 |
| Cost of funding earning assets | 0.2691% | 4,586 |
| Net interest margin | 2.7809% | 5,175 |
| Noninterest income to average assets | 0.4334% | 3,218 |
| Noninterest expense to average assets | 2.2737% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7105% | 4,063 |
| Return on assets (ROA) | 0.7105% | 4,072 |
| Pretax return on assets | 0.8029% | 4,140 |
| Return on Equity (ROE) | 4.5929% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.5929% | 3,366 |
| Net charge-offs to loans | -0.0943% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9030% | 1,910 |
| Assets per employee ($millions) | 3.5669% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,760 |
| Loan loss allowance to noncurrent loans | 36.4937% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 1,604 |
| Noncurrent loans to loans | 3.3108% | 329 |
| Net loans and leases to total assets | 29.2273% | 5,381 |
| Net loans and leases to deposits | 34.5728% | 5,385 |
| Net loans and leases to core deposits | 35.5605% | 5,401 |
| Total domestic deposits to total assets | 84.5383% | 3,106 |
| Equity capital to assets | 15.3478% | 594 |
| Core capital (leverage) ratio | 15.4300% | 563 |
| Tier 1 risk-based capital ratio | 47.5129% | 149 |
| Total risk-based capital ratio | 48.6195% | 150 |
| Memoranda: | ||
| Average total assets | $56,296,000 | 4,995 |
| Average earning assets | $53,507,000 | 4,964 |
| Average equity | $8,709,000 | 4,623 |
| Average total loans | $16,962,000 | 5,326 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0453% | 5,328 |
| Cost of funding earning assets | 0.2918% | 4,213 |
| Net interest margin | 2.7535% | 5,223 |
| Noninterest income to average assets | 0.5461% | 2,740 |
| Noninterest expense to average assets | 2.5154% | 3,728 |
| Loan and lease loss provision to assets | 0.0037% | 4,176 |
| Net operating income to assets | 0.4156% | 4,643 |
| Return on assets (ROA) | 0.4156% | 4,666 |
| Pretax return on assets | 0.5774% | 4,792 |
| Return on Equity (ROE) | 2.6202% | 4,922 |
| Retained earnings to average equity (ytd only) | 1.5767% | 4,366 |
| Net charge-offs to loans | 0.0117% | 3,677 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 461 |
| Efficiency ratio | 81.2352% | 985 |
| Assets per employee ($millions) | 3.2660% | 4,978 |
| Cash dividends to net income (ytd only)* | 39.8230% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,927 |
| Loan loss allowance to noncurrent loans | 39.4477% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 1,697 |
| Noncurrent loans to loans | 2.9754% | 378 |
| Net loans and leases to total assets | 30.3303% | 5,429 |
| Net loans and leases to deposits | 35.9868% | 5,430 |
| Net loans and leases to core deposits | 37.0884% | 5,439 |
| Total domestic deposits to total assets | 84.2819% | 3,100 |
| Equity capital to assets | 15.5956% | 569 |
| Core capital (leverage) ratio | 15.7853% | 499 |
| Tier 1 risk-based capital ratio | 47.7080% | 134 |
| Total risk-based capital ratio | 48.8099% | 131 |
| Memoranda: | ||
| Average total assets | $54,384,600 | 5,069 |
| Average earning assets | $50,372,200 | 5,054 |
| Average equity | $8,625,400 | 4,678 |
| Average total loans | $17,123,800 | 5,383 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0574% | 5,373 |
| Cost of funding earning assets | 0.2840% | 4,278 |
| Net interest margin | 2.7733% | 5,261 |
| Noninterest income to average assets | 0.5520% | 2,716 |
| Noninterest expense to average assets | 2.3881% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5151% | 4,692 |
| Return on assets (ROA) | 0.5151% | 4,721 |
| Pretax return on assets | 0.7147% | 4,575 |
| Return on Equity (ROE) | 3.2338% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.7232% | 4,271 |
| Net charge-offs to loans | 0.0078% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 290.7218% | 313 |
| Efficiency ratio | 76.9658% | 1,462 |
| Assets per employee ($millions) | 3.1846% | 5,088 |
| Cash dividends to net income (ytd only)* | 15.7899% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,100 |
| Loan loss allowance to noncurrent loans | 33.7861% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 1,530 |
| Noncurrent loans to loans | 3.4576% | 321 |
| Net loans and leases to total assets | 31.0983% | 5,472 |
| Net loans and leases to deposits | 37.1205% | 5,480 |
| Net loans and leases to core deposits | 38.2941% | 5,487 |
| Total domestic deposits to total assets | 83.7766% | 3,200 |
| Equity capital to assets | 16.0682% | 531 |
| Core capital (leverage) ratio | 16.1400% | 475 |
| Tier 1 risk-based capital ratio | 48.7012% | 135 |
| Total risk-based capital ratio | 49.8153% | 132 |
| Memoranda: | ||
| Average total assets | $54,100,250 | 5,133 |
| Average earning assets | $49,758,500 | 5,123 |
| Average equity | $8,617,000 | 4,729 |
| Average total loans | $17,144,750 | 5,441 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0626% | 5,381 |
| Cost of funding earning assets | 0.2832% | 4,251 |
| Net interest margin | 2.7794% | 5,276 |
| Noninterest income to average assets | 0.5399% | 2,765 |
| Noninterest expense to average assets | 2.3296% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5584% | 4,481 |
| Return on assets (ROA) | 0.5584% | 4,527 |
| Pretax return on assets | 0.7506% | 4,431 |
| Return on Equity (ROE) | 3.5159% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.7475% | 4,065 |
| Net charge-offs to loans | 0.0116% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 407 |
| Efficiency ratio | 75.6303% | 1,785 |
| Assets per employee ($millions) | 3.0132% | 5,256 |
| Cash dividends to net income (ytd only)* | 21.8543% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,280 |
| Loan loss allowance to noncurrent loans | 31.9422% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 1,500 |
| Noncurrent loans to loans | 3.6187% | 299 |
| Net loans and leases to total assets | 31.3753% | 5,514 |
| Net loans and leases to deposits | 37.3639% | 5,517 |
| Net loans and leases to core deposits | 38.5401% | 5,533 |
| Total domestic deposits to total assets | 83.9722% | 3,208 |
| Equity capital to assets | 15.9319% | 539 |
| Core capital (leverage) ratio | 15.9513% | 484 |
| Tier 1 risk-based capital ratio | 48.3629% | 134 |
| Total risk-based capital ratio | 49.4767% | 135 |
| Memoranda: | ||
| Average total assets | $54,087,670 | 5,170 |
| Average earning assets | $49,435,000 | 5,168 |
| Average equity | $8,589,670 | 4,754 |
| Average total loans | $17,181,330 | 5,481 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0266% | 5,439 |
| Cost of funding earning assets | 0.2832% | 4,220 |
| Net interest margin | 2.7434% | 5,334 |
| Noninterest income to average assets | 0.5036% | 2,959 |
| Noninterest expense to average assets | 2.2661% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6073% | 4,126 |
| Return on assets (ROA) | 0.6073% | 4,180 |
| Pretax return on assets | 0.7480% | 4,292 |
| Return on Equity (ROE) | 3.8300% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.8300% | 3,542 |
| Net charge-offs to loans | 0.0466% | 1,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 890 |
| Efficiency ratio | 75.1843% | 2,037 |
| Assets per employee ($millions) | 3.0213% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,375 |
| Loan loss allowance to noncurrent loans | 37.1482% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 1,870 |
| Noncurrent loans to loans | 3.1146% | 430 |
| Net loans and leases to total assets | 31.1029% | 5,562 |
| Net loans and leases to deposits | 37.0002% | 5,549 |
| Net loans and leases to core deposits | 38.1604% | 5,572 |
| Total domestic deposits to total assets | 84.0615% | 3,457 |
| Equity capital to assets | 15.8227% | 521 |
| Core capital (leverage) ratio | 15.8279% | 481 |
| Tier 1 risk-based capital ratio | 48.3998% | 141 |
| Total risk-based capital ratio | 49.5135% | 140 |
| Memoranda: | ||
| Average total assets | $54,013,000 | 5,226 |
| Average earning assets | $49,428,500 | 5,222 |
| Average equity | $8,564,000 | 4,803 |
| Average total loans | $17,164,000 | 5,544 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 5,487 |
| Cost of funding earning assets | 0.3147% | 3,903 |
| Net interest margin | 2.7059% | 5,414 |
| Noninterest income to average assets | 0.5339% | 3,007 |
| Noninterest expense to average assets | 2.5202% | 3,953 |
| Loan and lease loss provision to assets | 0.0055% | 4,246 |
| Net operating income to assets | 0.4070% | 4,915 |
| Return on assets (ROA) | 0.4173% | 4,964 |
| Pretax return on assets | 0.5121% | 4,999 |
| Return on Equity (ROE) | 2.6965% | 5,243 |
| Retained earnings to average equity (ytd only) | 1.6603% | 4,587 |
| Net charge-offs to loans | 0.0174% | 3,722 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 645 |
| Efficiency ratio | 83.3133% | 1,073 |
| Assets per employee ($millions) | 2.9801% | 5,367 |
| Cash dividends to net income (ytd only)* | 38.4279% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,358 |
| Loan loss allowance to noncurrent loans | 38.9105% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 1,976 |
| Noncurrent loans to loans | 2.9858% | 462 |
| Net loans and leases to total assets | 31.7195% | 5,606 |
| Net loans and leases to deposits | 37.7599% | 5,607 |
| Net loans and leases to core deposits | 39.2313% | 5,612 |
| Total domestic deposits to total assets | 84.0032% | 3,416 |
| Equity capital to assets | 15.8887% | 510 |
| Core capital (leverage) ratio | 15.7013% | 498 |
| Tier 1 risk-based capital ratio | 48.2425% | 148 |
| Total risk-based capital ratio | 49.3745% | 145 |
| Memoranda: | ||
| Average total assets | $54,875,800 | 5,247 |
| Average earning assets | $50,518,600 | 5,236 |
| Average equity | $8,492,600 | 4,843 |
| Average total loans | $17,225,000 | 5,606 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 5,562 |
| Cost of funding earning assets | 0.3070% | 4,022 |
| Net interest margin | 2.6999% | 5,493 |
| Noninterest income to average assets | 0.5195% | 3,118 |
| Noninterest expense to average assets | 2.3581% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4921% | 4,727 |
| Return on assets (ROA) | 0.5050% | 4,781 |
| Pretax return on assets | 0.6644% | 4,701 |
| Return on Equity (ROE) | 3.2841% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.7499% | 4,249 |
| Net charge-offs to loans | -0.0232% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4566% | 1,624 |
| Assets per employee ($millions) | 3.0557% | 5,335 |
| Cash dividends to net income (ytd only)* | 16.2671% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 3,195 |
| Loan loss allowance to noncurrent loans | 32.7948% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 1,796 |
| Noncurrent loans to loans | 3.6797% | 331 |
| Net loans and leases to total assets | 30.2147% | 5,708 |
| Net loans and leases to deposits | 35.8268% | 5,732 |
| Net loans and leases to core deposits | 37.1815% | 5,734 |
| Total domestic deposits to total assets | 84.3354% | 3,083 |
| Equity capital to assets | 15.5573% | 623 |
| Core capital (leverage) ratio | 15.7393% | 520 |
| Tier 1 risk-based capital ratio | 48.0568% | 151 |
| Total risk-based capital ratio | 49.1969% | 151 |
| Memoranda: | ||
| Average total assets | $55,184,250 | 5,289 |
| Average earning assets | $50,816,000 | 5,283 |
| Average equity | $8,485,000 | 4,894 |
| Average total loans | $17,227,500 | 5,667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0522% | 5,596 |
| Cost of funding earning assets | 0.3182% | 3,918 |
| Net interest margin | 2.7340% | 5,526 |
| Noninterest income to average assets | 0.4960% | 3,224 |
| Noninterest expense to average assets | 2.2156% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5957% | 4,289 |
| Return on assets (ROA) | 0.6118% | 4,342 |
| Pretax return on assets | 0.8218% | 4,208 |
| Return on Equity (ROE) | 3.9948% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.1911% | 3,869 |
| Net charge-offs to loans | -0.0346% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 2,437 |
| Assets per employee ($millions) | 3.0003% | 5,435 |
| Cash dividends to net income (ytd only)* | 20.1183% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,426 |
| Loan loss allowance to noncurrent loans | 38.5932% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 2,196 |
| Noncurrent loans to loans | 3.0809% | 474 |
| Net loans and leases to total assets | 31.2373% | 5,756 |
| Net loans and leases to deposits | 37.1251% | 5,764 |
| Net loans and leases to core deposits | 38.5591% | 5,778 |
| Total domestic deposits to total assets | 84.1407% | 3,214 |
| Equity capital to assets | 15.7705% | 580 |
| Core capital (leverage) ratio | 15.7396% | 493 |
| Tier 1 risk-based capital ratio | 48.2440% | 146 |
| Total risk-based capital ratio | 49.3939% | 148 |
| Memoranda: | ||
| Average total assets | $55,244,670 | 5,346 |
| Average earning assets | $50,914,330 | 5,338 |
| Average equity | $8,461,000 | 4,928 |
| Average total loans | $17,362,670 | 5,723 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0741% | 5,629 |
| Cost of funding earning assets | 0.3416% | 3,696 |
| Net interest margin | 2.7325% | 5,565 |
| Noninterest income to average assets | 0.4797% | 3,264 |
| Noninterest expense to average assets | 2.0550% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7303% | 3,580 |
| Return on assets (ROA) | 0.7303% | 3,691 |
| Pretax return on assets | 0.9452% | 3,673 |
| Return on Equity (ROE) | 4.8381% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.8381% | 3,043 |
| Net charge-offs to loans | -0.0457% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4964% | 3,375 |
| Assets per employee ($millions) | 2.9287% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,733 |
| Loan loss allowance to noncurrent loans | 43.0704% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 2,581 |
| Noncurrent loans to loans | 2.6821% | 665 |
| Net loans and leases to total assets | 31.0612% | 5,804 |
| Net loans and leases to deposits | 36.6948% | 5,809 |
| Net loans and leases to core deposits | 38.6088% | 5,804 |
| Total domestic deposits to total assets | 84.6473% | 3,257 |
| Equity capital to assets | 15.2467% | 646 |
| Core capital (leverage) ratio | 15.3282% | 559 |
| Tier 1 risk-based capital ratio | 47.0810% | 151 |
| Total risk-based capital ratio | 48.2020% | 153 |
| Memoranda: | ||
| Average total assets | $55,864,000 | 5,386 |
| Average earning assets | $51,527,000 | 5,375 |
| Average equity | $8,433,000 | 4,966 |
| Average total loans | $17,507,500 | 5,769 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2080% | 5,511 |
| Cost of funding earning assets | 0.4066% | 3,084 |
| Net interest margin | 2.8014% | 5,509 |
| Noninterest income to average assets | 0.5540% | 2,994 |
| Noninterest expense to average assets | 2.4754% | 4,304 |
| Loan and lease loss provision to assets | 0.0148% | 4,110 |
| Net operating income to assets | 0.4855% | 4,747 |
| Return on assets (ROA) | 0.4855% | 4,834 |
| Pretax return on assets | 0.6170% | 4,789 |
| Return on Equity (ROE) | 3.1421% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.0867% | 4,536 |
| Net charge-offs to loans | 0.0460% | 3,298 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 42.6250% | 1,117 |
| Efficiency ratio | 79.5468% | 1,738 |
| Assets per employee ($millions) | 2.9517% | 5,567 |
| Cash dividends to net income (ytd only)* | 33.5878% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,802 |
| Loan loss allowance to noncurrent loans | 34.0716% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 2,094 |
| Noncurrent loans to loans | 3.3487% | 434 |
| Net loans and leases to total assets | 30.8988% | 5,866 |
| Net loans and leases to deposits | 36.3718% | 5,880 |
| Net loans and leases to core deposits | 38.2463% | 5,872 |
| Total domestic deposits to total assets | 84.9527% | 3,113 |
| Equity capital to assets | 14.9457% | 673 |
| Core capital (leverage) ratio | 15.0229% | 609 |
| Tier 1 risk-based capital ratio | 47.1667% | 143 |
| Total risk-based capital ratio | 48.2922% | 144 |
| Memoranda: | ||
| Average total assets | $53,970,400 | 5,458 |
| Average earning assets | $49,189,000 | 5,456 |
| Average equity | $8,338,400 | 4,997 |
| Average total loans | $17,397,800 | 5,814 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2341% | 5,536 |
| Cost of funding earning assets | 0.4063% | 3,161 |
| Net interest margin | 2.8278% | 5,532 |
| Noninterest income to average assets | 0.5539% | 3,029 |
| Noninterest expense to average assets | 2.2778% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6736% | 4,017 |
| Return on assets (ROA) | 0.6736% | 4,128 |
| Pretax return on assets | 0.8458% | 4,191 |
| Return on Equity (ROE) | 4.3229% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.7786% | 3,783 |
| Net charge-offs to loans | 0.0461% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 56.4988% | 954 |
| Efficiency ratio | 72.9233% | 2,729 |
| Assets per employee ($millions) | 2.7562% | 5,794 |
| Cash dividends to net income (ytd only)* | 12.5920% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 4,006 |
| Loan loss allowance to noncurrent loans | 37.8906% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 0.9777% | 2,403 |
| Noncurrent loans to loans | 3.0056% | 587 |
| Net loans and leases to total assets | 32.1596% | 5,917 |
| Net loans and leases to deposits | 38.3814% | 5,916 |
| Net loans and leases to core deposits | 40.5387% | 5,902 |
| Total domestic deposits to total assets | 83.7894% | 3,511 |
| Equity capital to assets | 16.1247% | 544 |
| Core capital (leverage) ratio | 16.1722% | 467 |
| Tier 1 risk-based capital ratio | 45.6329% | 174 |
| Total risk-based capital ratio | 46.6814% | 178 |
| Memoranda: | ||
| Average total assets | $53,442,250 | 5,544 |
| Average earning assets | $48,564,750 | 5,540 |
| Average equity | $8,327,500 | 5,062 |
| Average total loans | $17,365,000 | 5,885 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1984% | 5,627 |
| Cost of funding earning assets | 0.4085% | 3,182 |
| Net interest margin | 2.7899% | 5,632 |
| Noninterest income to average assets | 0.5167% | 3,253 |
| Noninterest expense to average assets | 2.2230% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6580% | 4,085 |
| Return on assets (ROA) | 0.6580% | 4,189 |
| Pretax return on assets | 0.8327% | 4,195 |
| Return on Equity (ROE) | 4.2709% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.4505% | 3,851 |
| Net charge-offs to loans | 0.0572% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 44.8000% | 1,037 |
| Efficiency ratio | 72.7494% | 2,891 |
| Assets per employee ($millions) | 2.9321% | 5,680 |
| Cash dividends to net income (ytd only)* | 19.2090% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 4,242 |
| Loan loss allowance to noncurrent loans | 35.3261% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 2,414 |
| Noncurrent loans to loans | 3.1588% | 605 |
| Net loans and leases to total assets | 32.7415% | 5,940 |
| Net loans and leases to deposits | 38.9198% | 5,943 |
| Net loans and leases to core deposits | 41.3753% | 5,921 |
| Total domestic deposits to total assets | 84.1257% | 3,510 |
| Equity capital to assets | 15.8232% | 547 |
| Core capital (leverage) ratio | 15.6361% | 523 |
| Tier 1 risk-based capital ratio | 48.2018% | 164 |
| Total risk-based capital ratio | 49.3275% | 161 |
| Memoranda: | ||
| Average total assets | $53,800,670 | 5,597 |
| Average earning assets | $48,962,670 | 5,588 |
| Average equity | $8,288,670 | 5,103 |
| Average total loans | $17,475,000 | 5,943 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1763% | 5,686 |
| Cost of funding earning assets | 0.4041% | 3,256 |
| Net interest margin | 2.7722% | 5,698 |
| Noninterest income to average assets | 0.4713% | 3,499 |
| Noninterest expense to average assets | 2.0990% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7217% | 3,686 |
| Return on assets (ROA) | 0.7217% | 3,821 |
| Pretax return on assets | 0.8985% | 3,904 |
| Return on Equity (ROE) | 4.7472% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.7472% | 3,195 |
| Net charge-offs to loans | 0.0458% | 2,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 727 |
| Efficiency ratio | 70.0246% | 3,485 |
| Assets per employee ($millions) | 3.0337% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 4,258 |
| Loan loss allowance to noncurrent loans | 47.5962% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 3,209 |
| Noncurrent loans to loans | 2.4173% | 1,015 |
| Net loans and leases to total assets | 31.1517% | 6,029 |
| Net loans and leases to deposits | 36.7917% | 6,029 |
| Net loans and leases to core deposits | 39.0152% | 6,004 |
| Total domestic deposits to total assets | 84.6705% | 3,550 |
| Equity capital to assets | 15.2105% | 679 |
| Core capital (leverage) ratio | 15.2613% | 570 |
| Tier 1 risk-based capital ratio | 47.4216% | 165 |
| Total risk-based capital ratio | 48.5523% | 166 |
| Memoranda: | ||
| Average total assets | $54,312,500 | 5,634 |
| Average earning assets | $49,491,000 | 5,625 |
| Average equity | $8,257,500 | 5,145 |
| Average total loans | $17,475,000 | 5,996 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2869% | 5,718 |
| Cost of funding earning assets | 0.4558% | 3,114 |
| Net interest margin | 2.8311% | 5,762 |
| Noninterest income to average assets | 0.6056% | 2,823 |
| Noninterest expense to average assets | 2.5200% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5209% | 4,722 |
| Return on assets (ROA) | 0.5254% | 4,794 |
| Pretax return on assets | 0.6668% | 4,736 |
| Return on Equity (ROE) | 3.3744% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.2946% | 4,603 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0991% | 2,054 |
| Assets per employee ($millions) | 3.0010% | 5,697 |
| Cash dividends to net income (ytd only)* | 32.0000% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 4,401 |
| Loan loss allowance to noncurrent loans | 31.2989% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 2,402 |
| Noncurrent loans to loans | 3.6018% | 559 |
| Net loans and leases to total assets | 32.4725% | 6,100 |
| Net loans and leases to deposits | 38.3636% | 6,091 |
| Net loans and leases to core deposits | 40.7097% | 6,079 |
| Total domestic deposits to total assets | 84.6440% | 3,441 |
| Equity capital to assets | 15.1968% | 669 |
| Core capital (leverage) ratio | 15.3606% | 554 |
| Tier 1 risk-based capital ratio | 44.8568% | 179 |
| Total risk-based capital ratio | 45.9499% | 180 |
| Memoranda: | ||
| Average total assets | $52,341,800 | 5,735 |
| Average earning assets | $47,613,200 | 5,733 |
| Average equity | $8,149,600 | 5,170 |
| Average total loans | $17,865,000 | 6,049 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 5,742 |
| Cost of funding earning assets | 0.4554% | 3,183 |
| Net interest margin | 2.8596% | 5,779 |
| Noninterest income to average assets | 0.5906% | 2,928 |
| Noninterest expense to average assets | 2.3419% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6031% | 4,436 |
| Return on assets (ROA) | 0.6086% | 4,494 |
| Pretax return on assets | 0.8525% | 4,172 |
| Return on Equity (ROE) | 3.8844% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.3272% | 4,251 |
| Net charge-offs to loans | -0.0074% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4891% | 2,904 |
| Assets per employee ($millions) | 2.8243% | 5,938 |
| Cash dividends to net income (ytd only)* | 14.3454% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,508 |
| Loan loss allowance to noncurrent loans | 22.7119% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 1.7409% | 1,717 |
| Noncurrent loans to loans | 5.0586% | 354 |
| Net loans and leases to total assets | 34.0185% | 6,112 |
| Net loans and leases to deposits | 40.6688% | 6,095 |
| Net loans and leases to core deposits | 43.3553% | 6,069 |
| Total domestic deposits to total assets | 83.6477% | 3,900 |
| Equity capital to assets | 16.1772% | 536 |
| Core capital (leverage) ratio | 16.1133% | 461 |
| Tier 1 risk-based capital ratio | 46.6519% | 158 |
| Total risk-based capital ratio | 47.7925% | 159 |
| Memoranda: | ||
| Average total assets | $51,922,750 | 5,807 |
| Average earning assets | $47,138,500 | 5,811 |
| Average equity | $8,134,750 | 5,210 |
| Average total loans | $17,896,000 | 6,109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 5,786 |
| Cost of funding earning assets | 0.4550% | 3,268 |
| Net interest margin | 2.8482% | 5,821 |
| Noninterest income to average assets | 0.5585% | 3,058 |
| Noninterest expense to average assets | 2.2339% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6687% | 4,000 |
| Return on assets (ROA) | 0.6771% | 4,059 |
| Pretax return on assets | 0.9219% | 3,797 |
| Return on Equity (ROE) | 4.3677% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.5287% | 3,956 |
| Net charge-offs to loans | -0.0111% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0462% | 3,495 |
| Assets per employee ($millions) | 2.8533% | 5,957 |
| Cash dividends to net income (ytd only)* | 19.2090% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 4,813 |
| Loan loss allowance to noncurrent loans | 20.5521% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.9042% | 1,702 |
| Noncurrent loans to loans | 5.4485% | 339 |
| Net loans and leases to total assets | 34.5580% | 6,127 |
| Net loans and leases to deposits | 41.1409% | 6,106 |
| Net loans and leases to core deposits | 43.8171% | 6,071 |
| Total domestic deposits to total assets | 83.9992% | 3,915 |
| Equity capital to assets | 15.8976% | 571 |
| Core capital (leverage) ratio | 15.7122% | 518 |
| Tier 1 risk-based capital ratio | 45.4201% | 173 |
| Total risk-based capital ratio | 46.5387% | 171 |
| Memoranda: | ||
| Average total assets | $52,284,670 | 5,850 |
| Average earning assets | $47,468,000 | 5,851 |
| Average equity | $8,105,000 | 5,246 |
| Average total loans | $18,029,670 | 6,157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 5,826 |
| Cost of funding earning assets | 0.4510% | 3,419 |
| Net interest margin | 2.8562% | 5,839 |
| Noninterest income to average assets | 0.5081% | 3,344 |
| Noninterest expense to average assets | 2.0551% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8091% | 3,107 |
| Return on assets (ROA) | 0.8266% | 3,094 |
| Pretax return on assets | 1.0693% | 3,037 |
| Return on Equity (ROE) | 5.3994% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.3994% | 2,854 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2592% | 4,492 |
| Assets per employee ($millions) | 2.9294% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,034 |
| Loan loss allowance to noncurrent loans | 20.1613% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8813% | 1,835 |
| Noncurrent loans to loans | 5.5493% | 356 |
| Net loans and leases to total assets | 33.5224% | 6,202 |
| Net loans and leases to deposits | 39.6777% | 6,179 |
| Net loans and leases to core deposits | 42.1721% | 6,152 |
| Total domestic deposits to total assets | 84.4867% | 4,089 |
| Equity capital to assets | 15.4166% | 611 |
| Core capital (leverage) ratio | 15.2684% | 567 |
| Tier 1 risk-based capital ratio | 44.8777% | 176 |
| Total risk-based capital ratio | 45.9822% | 176 |
| Memoranda: | ||
| Average total assets | $52,747,000 | 5,893 |
| Average earning assets | $47,896,000 | 5,891 |
| Average equity | $8,075,000 | 5,268 |
| Average total loans | $18,069,500 | 6,213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 5,709 |
| Cost of funding earning assets | 0.5017% | 3,592 |
| Net interest margin | 2.9592% | 5,662 |
| Noninterest income to average assets | 0.5949% | 3,123 |
| Noninterest expense to average assets | 2.6147% | 4,407 |
| Loan and lease loss provision to assets | 0.0078% | 4,969 |
| Net operating income to assets | 0.5385% | 4,564 |
| Return on assets (ROA) | 0.5385% | 4,688 |
| Pretax return on assets | 0.6668% | 4,647 |
| Return on Equity (ROE) | 3.4764% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.3720% | 4,555 |
| Net charge-offs to loans | 0.0215% | 5,005 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 86.7500% | 520 |
| Efficiency ratio | 79.3735% | 2,258 |
| Assets per employee ($millions) | 2.5126% | 6,397 |
| Cash dividends to net income (ytd only)* | 31.7690% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,176 |
| Loan loss allowance to noncurrent loans | 42.1941% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 3,646 |
| Noncurrent loans to loans | 2.5954% | 1,442 |
| Net loans and leases to total assets | 34.2329% | 6,288 |
| Net loans and leases to deposits | 40.4239% | 6,287 |
| Net loans and leases to core deposits | 42.9570% | 6,269 |
| Total domestic deposits to total assets | 84.6849% | 3,895 |
| Equity capital to assets | 15.2014% | 641 |
| Core capital (leverage) ratio | 15.3859% | 559 |
| Tier 1 risk-based capital ratio | 44.3492% | 175 |
| Total risk-based capital ratio | 45.4556% | 176 |
| Memoranda: | ||
| Average total assets | $51,439,600 | 5,978 |
| Average earning assets | $46,836,400 | 5,966 |
| Average equity | $7,968,000 | 5,347 |
| Average total loans | $18,633,800 | 6,268 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 5,693 |
| Cost of funding earning assets | 0.5032% | 3,739 |
| Net interest margin | 2.9935% | 5,615 |
| Noninterest income to average assets | 0.5896% | 3,222 |
| Noninterest expense to average assets | 2.3505% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6939% | 3,890 |
| Return on assets (ROA) | 0.6939% | 4,027 |
| Pretax return on assets | 0.9705% | 3,613 |
| Return on Equity (ROE) | 4.4585% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.8886% | 3,921 |
| Net charge-offs to loans | 0.0143% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 185.7640% | 313 |
| Efficiency ratio | 70.7777% | 3,632 |
| Assets per employee ($millions) | 2.2774% | 6,607 |
| Cash dividends to net income (ytd only)* | 12.7813% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 5,432 |
| Loan loss allowance to noncurrent loans | 43.3260% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 3,853 |
| Noncurrent loans to loans | 2.4775% | 1,757 |
| Net loans and leases to total assets | 36.4217% | 6,262 |
| Net loans and leases to deposits | 43.4942% | 6,232 |
| Net loans and leases to core deposits | 47.0067% | 6,169 |
| Total domestic deposits to total assets | 83.7392% | 4,300 |
| Equity capital to assets | 16.0952% | 540 |
| Core capital (leverage) ratio | 16.0795% | 481 |
| Tier 1 risk-based capital ratio | 45.6761% | 164 |
| Total risk-based capital ratio | 46.7981% | 168 |
| Memoranda: | ||
| Average total assets | $51,108,250 | 6,058 |
| Average earning assets | $46,634,000 | 6,036 |
| Average equity | $7,954,750 | 5,402 |
| Average total loans | $18,726,500 | 6,330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 5,729 |
| Cost of funding earning assets | 0.5080% | 3,824 |
| Net interest margin | 2.9752% | 5,629 |
| Noninterest income to average assets | 0.5676% | 3,395 |
| Noninterest expense to average assets | 2.2821% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7348% | 3,637 |
| Return on assets (ROA) | 0.7348% | 3,798 |
| Pretax return on assets | 0.9953% | 3,529 |
| Return on Equity (ROE) | 4.7737% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.9150% | 3,803 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6323% | 3,898 |
| Assets per employee ($millions) | 2.3087% | 6,635 |
| Cash dividends to net income (ytd only)* | 17.9894% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,580 |
| Loan loss allowance to noncurrent loans | 78.4314% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 5,008 |
| Noncurrent loans to loans | 1.3513% | 3,295 |
| Net loans and leases to total assets | 36.7604% | 6,254 |
| Net loans and leases to deposits | 43.6606% | 6,246 |
| Net loans and leases to core deposits | 47.1145% | 6,172 |
| Total domestic deposits to total assets | 84.1960% | 4,240 |
| Equity capital to assets | 15.7252% | 572 |
| Core capital (leverage) ratio | 15.6514% | 497 |
| Tier 1 risk-based capital ratio | 44.6701% | 172 |
| Total risk-based capital ratio | 45.7893% | 173 |
| Memoranda: | ||
| Average total assets | $51,443,670 | 6,086 |
| Average earning assets | $46,853,330 | 6,073 |
| Average equity | $7,918,330 | 5,450 |
| Average total loans | $18,820,000 | 6,362 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 5,793 |
| Cost of funding earning assets | 0.5267% | 3,824 |
| Net interest margin | 2.9392% | 5,730 |
| Noninterest income to average assets | 0.4945% | 3,808 |
| Noninterest expense to average assets | 2.1480% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8036% | 3,141 |
| Return on assets (ROA) | 0.8036% | 3,274 |
| Pretax return on assets | 1.0199% | 3,263 |
| Return on Equity (ROE) | 5.2765% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.2765% | 3,065 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8049% | 4,344 |
| Assets per employee ($millions) | 2.4577% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 5,702 |
| Loan loss allowance to noncurrent loans | 44.6429% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 4,208 |
| Noncurrent loans to loans | 2.4027% | 2,160 |
| Net loans and leases to total assets | 35.7398% | 6,318 |
| Net loans and leases to deposits | 42.2724% | 6,301 |
| Net loans and leases to core deposits | 45.1986% | 6,254 |
| Total domestic deposits to total assets | 84.5462% | 4,249 |
| Equity capital to assets | 15.3763% | 663 |
| Core capital (leverage) ratio | 15.2834% | 549 |
| Tier 1 risk-based capital ratio | 43.8298% | 184 |
| Total risk-based capital ratio | 44.9351% | 180 |
| Memoranda: | ||
| Average total assets | $51,770,000 | 6,134 |
| Average earning assets | $47,087,500 | 6,125 |
| Average equity | $7,884,000 | 5,521 |
| Average total loans | $18,794,500 | 6,417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 6,015 |
| Cost of funding earning assets | 0.7375% | 3,184 |
| Net interest margin | 2.9810% | 6,085 |
| Noninterest income to average assets | 0.5822% | 3,383 |
| Noninterest expense to average assets | 2.4056% | 5,392 |
| Loan and lease loss provision to assets | 0.0075% | 5,827 |
| Net operating income to assets | 0.5485% | 4,485 |
| Return on assets (ROA) | 0.5485% | 4,739 |
| Pretax return on assets | 0.6814% | 4,729 |
| Return on Equity (ROE) | 3.7833% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.9053% | 4,186 |
| Net charge-offs to loans | 0.0210% | 5,608 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 419 |
| Efficiency ratio | 77.7374% | 2,493 |
| Assets per employee ($millions) | 2.3604% | 6,741 |
| Cash dividends to net income (ytd only)* | 23.2082% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 5,738 |
| Loan loss allowance to noncurrent loans | 26.6667% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4443% | 3,216 |
| Noncurrent loans to loans | 3.9592% | 1,195 |
| Net loans and leases to total assets | 36.0942% | 6,431 |
| Net loans and leases to deposits | 42.5542% | 6,439 |
| Net loans and leases to core deposits | 46.0969% | 6,366 |
| Total domestic deposits to total assets | 84.8194% | 3,937 |
| Equity capital to assets | 15.0824% | 715 |
| Core capital (leverage) ratio | 14.4987% | 671 |
| Tier 1 risk-based capital ratio | 42.4895% | 193 |
| Total risk-based capital ratio | 43.5753% | 194 |
| Memoranda: | ||
| Average total assets | $53,417,200 | 6,108 |
| Average earning assets | $45,018,000 | 6,208 |
| Average equity | $7,744,600 | 5,572 |
| Average total loans | $19,007,000 | 6,463 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 5,930 |
| Cost of funding earning assets | 0.7671% | 3,218 |
| Net interest margin | 3.0715% | 6,005 |
| Noninterest income to average assets | 0.5751% | 3,441 |
| Noninterest expense to average assets | 2.3052% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6048% | 4,375 |
| Return on assets (ROA) | 0.6048% | 4,637 |
| Pretax return on assets | 0.8105% | 4,442 |
| Return on Equity (ROE) | 4.2126% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.7465% | 4,258 |
| Net charge-offs to loans | 0.0140% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 163.2921% | 272 |
| Efficiency ratio | 73.9857% | 2,986 |
| Assets per employee ($millions) | 2.4817% | 6,707 |
| Cash dividends to net income (ytd only)* | 11.0657% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,965 |
| Loan loss allowance to noncurrent loans | 50.1266% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 4,347 |
| Noncurrent loans to loans | 2.0599% | 2,782 |
| Net loans and leases to total assets | 34.7595% | 6,623 |
| Net loans and leases to deposits | 40.6059% | 6,657 |
| Net loans and leases to core deposits | 43.7765% | 6,608 |
| Total domestic deposits to total assets | 85.6020% | 3,460 |
| Equity capital to assets | 14.3302% | 1,025 |
| Core capital (leverage) ratio | 14.3655% | 737 |
| Tier 1 risk-based capital ratio | 41.0329% | 220 |
| Total risk-based capital ratio | 42.0721% | 221 |
| Memoranda: | ||
| Average total assets | $53,789,500 | 6,165 |
| Average earning assets | $44,493,500 | 6,292 |
| Average equity | $7,722,750 | 5,633 |
| Average total loans | $19,023,000 | 6,549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 5,831 |
| Cost of funding earning assets | 0.8072% | 3,135 |
| Net interest margin | 3.1252% | 5,926 |
| Noninterest income to average assets | 0.5531% | 3,565 |
| Noninterest expense to average assets | 2.2571% | 5,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6652% | 4,035 |
| Return on assets (ROA) | 0.6652% | 4,299 |
| Pretax return on assets | 0.8857% | 4,135 |
| Return on Equity (ROE) | 4.6300% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.9277% | 4,002 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8193% | 3,460 |
| Assets per employee ($millions) | 2.4100% | 6,828 |
| Cash dividends to net income (ytd only)* | 15.1685% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 5,985 |
| Loan loss allowance to noncurrent loans | 63.0915% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 4,568 |
| Noncurrent loans to loans | 1.6560% | 3,418 |
| Net loans and leases to total assets | 35.7255% | 6,619 |
| Net loans and leases to deposits | 41.8673% | 6,654 |
| Net loans and leases to core deposits | 44.9790% | 6,620 |
| Total domestic deposits to total assets | 85.3303% | 3,696 |
| Equity capital to assets | 14.6319% | 877 |
| Core capital (leverage) ratio | 14.6560% | 660 |
| Tier 1 risk-based capital ratio | 41.4656% | 206 |
| Total risk-based capital ratio | 42.5354% | 205 |
| Memoranda: | ||
| Average total assets | $53,520,000 | 6,207 |
| Average earning assets | $44,349,330 | 6,338 |
| Average equity | $7,689,000 | 5,658 |
| Average total loans | $18,972,000 | 6,601 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 5,833 |
| Cost of funding earning assets | 0.8680% | 2,936 |
| Net interest margin | 3.1105% | 6,006 |
| Noninterest income to average assets | 0.4761% | 4,096 |
| Noninterest expense to average assets | 2.1574% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7067% | 3,853 |
| Return on assets (ROA) | 0.7067% | 4,071 |
| Pretax return on assets | 0.8778% | 4,117 |
| Return on Equity (ROE) | 4.9644% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.9644% | 3,576 |
| Net charge-offs to loans | 0.0212% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 300 |
| Efficiency ratio | 71.0784% | 3,606 |
| Assets per employee ($millions) | 2.4529% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,072 |
| Loan loss allowance to noncurrent loans | 86.1472% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 5,092 |
| Noncurrent loans to loans | 1.2207% | 4,294 |
| Net loans and leases to total assets | 34.6972% | 6,702 |
| Net loans and leases to deposits | 40.5132% | 6,716 |
| Net loans and leases to core deposits | 43.8122% | 6,661 |
| Total domestic deposits to total assets | 85.6441% | 3,722 |
| Equity capital to assets | 14.2725% | 931 |
| Core capital (leverage) ratio | 14.2770% | 735 |
| Tier 1 risk-based capital ratio | 41.1299% | 213 |
| Total risk-based capital ratio | 42.1936% | 211 |
| Memoranda: | ||
| Average total assets | $53,769,500 | 6,239 |
| Average earning assets | $44,237,500 | 6,389 |
| Average equity | $7,654,500 | 5,698 |
| Average total loans | $18,887,000 | 6,662 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 5,972 |
| Cost of funding earning assets | 0.9627% | 3,621 |
| Net interest margin | 3.2684% | 5,907 |
| Noninterest income to average assets | 0.5696% | 3,369 |
| Noninterest expense to average assets | 2.5234% | 5,389 |
| Loan and lease loss provision to assets | 0.0114% | 6,393 |
| Net operating income to assets | 0.6631% | 3,673 |
| Return on assets (ROA) | 0.6645% | 3,852 |
| Pretax return on assets | 0.8924% | 3,631 |
| Return on Equity (ROE) | 4.6609% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.5157% | 3,718 |
| Net charge-offs to loans | 0.0320% | 6,002 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 79.1667% | 373 |
| Efficiency ratio | 73.6696% | 3,283 |
| Assets per employee ($millions) | 2.3293% | 6,985 |
| Cash dividends to net income (ytd only)* | 24.5714% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,956 |
| Loan loss allowance to noncurrent loans | 134.2282% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,648 |
| Noncurrent loans to loans | 0.7904% | 5,102 |
| Net loans and leases to total assets | 34.8129% | 6,827 |
| Net loans and leases to deposits | 40.6066% | 6,846 |
| Net loans and leases to core deposits | 44.2481% | 6,805 |
| Total domestic deposits to total assets | 85.7322% | 3,466 |
| Equity capital to assets | 14.1988% | 1,004 |
| Core capital (leverage) ratio | 14.3296% | 750 |
| Tier 1 risk-based capital ratio | 40.8624% | 218 |
| Total risk-based capital ratio | 41.9377% | 216 |
| Memoranda: | ||
| Average total assets | $52,667,400 | 6,279 |
| Average earning assets | $46,016,800 | 6,333 |
| Average equity | $7,509,200 | 5,717 |
| Average total loans | $18,760,000 | 6,721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 6,136 |
| Cost of funding earning assets | 0.9606% | 3,952 |
| Net interest margin | 3.2701% | 5,953 |
| Noninterest income to average assets | 0.5441% | 3,560 |
| Noninterest expense to average assets | 2.3416% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7508% | 3,376 |
| Return on assets (ROA) | 0.7526% | 3,535 |
| Pretax return on assets | 1.0958% | 3,034 |
| Return on Equity (ROE) | 5.2729% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.6671% | 3,406 |
| Net charge-offs to loans | -0.0356% | 6,993 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1717% | 4,283 |
| Assets per employee ($millions) | 2.2710% | 7,097 |
| Cash dividends to net income (ytd only)* | 11.4858% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,932 |
| Loan loss allowance to noncurrent loans | 77.9468% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 5,254 |
| Noncurrent loans to loans | 1.3977% | 4,201 |
| Net loans and leases to total assets | 35.6320% | 6,883 |
| Net loans and leases to deposits | 41.7647% | 6,919 |
| Net loans and leases to core deposits | 46.3169% | 6,832 |
| Total domestic deposits to total assets | 85.3161% | 3,603 |
| Equity capital to assets | 14.5614% | 974 |
| Core capital (leverage) ratio | 14.8525% | 696 |
| Tier 1 risk-based capital ratio | 41.1915% | 226 |
| Total risk-based capital ratio | 42.3027% | 226 |
| Memoranda: | ||
| Average total assets | $52,440,500 | 6,344 |
| Average earning assets | $46,357,750 | 6,371 |
| Average equity | $7,484,750 | 5,753 |
| Average total loans | $18,737,250 | 6,785 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 6,295 |
| Cost of funding earning assets | 0.9643% | 4,218 |
| Net interest margin | 3.2271% | 6,073 |
| Noninterest income to average assets | 0.5294% | 3,630 |
| Noninterest expense to average assets | 2.2586% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8113% | 3,021 |
| Return on assets (ROA) | 0.8113% | 3,144 |
| Pretax return on assets | 1.1388% | 2,699 |
| Return on Equity (ROE) | 5.7225% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.8090% | 3,113 |
| Net charge-offs to loans | -0.0641% | 7,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4798% | 4,779 |
| Assets per employee ($millions) | 2.2393% | 7,161 |
| Cash dividends to net income (ytd only)* | 15.9624% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 5,878 |
| Loan loss allowance to noncurrent loans | 41.2826% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 4,430 |
| Noncurrent loans to loans | 2.7130% | 2,681 |
| Net loans and leases to total assets | 35.3111% | 6,994 |
| Net loans and leases to deposits | 41.3764% | 7,020 |
| Net loans and leases to core deposits | 45.9581% | 6,943 |
| Total domestic deposits to total assets | 85.3412% | 3,707 |
| Equity capital to assets | 14.6044% | 913 |
| Core capital (leverage) ratio | 14.4046% | 784 |
| Tier 1 risk-based capital ratio | 41.0871% | 228 |
| Total risk-based capital ratio | 42.2080% | 226 |
| Memoranda: | ||
| Average total assets | $52,509,330 | 6,389 |
| Average earning assets | $46,668,000 | 6,415 |
| Average equity | $7,444,330 | 5,789 |
| Average total loans | $18,710,670 | 6,850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 6,427 |
| Cost of funding earning assets | 0.9566% | 4,519 |
| Net interest margin | 3.1804% | 6,129 |
| Noninterest income to average assets | 0.4905% | 3,962 |
| Noninterest expense to average assets | 2.0826% | 6,676 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9432% | 2,384 |
| Return on assets (ROA) | 0.9432% | 2,447 |
| Pretax return on assets | 1.2676% | 2,140 |
| Return on Equity (ROE) | 6.7517% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.7517% | 2,259 |
| Net charge-offs to loans | -0.0424% | 6,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1622% | 5,654 |
| Assets per employee ($millions) | 2.3300% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 6,116 |
| Loan loss allowance to noncurrent loans | 52.6042% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 4,962 |
| Noncurrent loans to loans | 2.0572% | 3,496 |
| Net loans and leases to total assets | 34.4548% | 7,075 |
| Net loans and leases to deposits | 40.1191% | 7,096 |
| Net loans and leases to core deposits | 44.2432% | 7,034 |
| Total domestic deposits to total assets | 85.8814% | 3,589 |
| Equity capital to assets | 13.9357% | 1,023 |
| Core capital (leverage) ratio | 13.9364% | 867 |
| Tier 1 risk-based capital ratio | 39.9208% | 244 |
| Total risk-based capital ratio | 41.0018% | 235 |
| Memoranda: | ||
| Average total assets | $53,011,500 | 6,411 |
| Average earning assets | $47,667,500 | 6,426 |
| Average equity | $7,405,500 | 5,802 |
| Average total loans | $18,869,500 | 6,892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 5,770 |
| Cost of funding earning assets | 1.0726% | 5,297 |
| Net interest margin | 3.6387% | 4,624 |
| Noninterest income to average assets | 0.6376% | 3,228 |
| Noninterest expense to average assets | 2.7854% | 4,662 |
| Loan and lease loss provision to assets | 0.0182% | 6,932 |
| Net operating income to assets | 0.7935% | 2,834 |
| Return on assets (ROA) | 0.7935% | 2,969 |
| Pretax return on assets | 1.0891% | 2,611 |
| Return on Equity (ROE) | 5.4153% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.1029% | 2,984 |
| Net charge-offs to loans | 0.0451% | 6,355 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 60.7778% | 391 |
| Efficiency ratio | 71.4509% | 3,899 |
| Assets per employee ($millions) | 2.2797% | 7,233 |
| Cash dividends to net income (ytd only)* | 24.2347% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 6,157 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 5,946 |
| Noncurrent loans to loans | 0.7865% | 5,466 |
| Net loans and leases to total assets | 35.9938% | 7,154 |
| Net loans and leases to deposits | 41.8879% | 7,185 |
| Net loans and leases to core deposits | 46.3471% | 7,128 |
| Total domestic deposits to total assets | 85.9290% | 3,395 |
| Equity capital to assets | 14.0043% | 1,038 |
| Core capital (leverage) ratio | 14.2022% | 808 |
| Tier 1 risk-based capital ratio | 39.3603% | 249 |
| Total risk-based capital ratio | 40.4336% | 249 |
| Memoranda: | ||
| Average total assets | $49,400,800 | 6,562 |
| Average earning assets | $44,191,200 | 6,573 |
| Average equity | $7,238,800 | 5,952 |
| Average total loans | $19,946,200 | 6,927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 5,326 |
| Cost of funding earning assets | 1.0948% | 5,447 |
| Net interest margin | 3.7915% | 4,004 |
| Noninterest income to average assets | 0.6496% | 3,126 |
| Noninterest expense to average assets | 2.5848% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9703% | 2,335 |
| Return on assets (ROA) | 0.9703% | 2,452 |
| Pretax return on assets | 1.4253% | 1,806 |
| Return on Equity (ROE) | 6.5438% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.7859% | 2,483 |
| Net charge-offs to loans | 0.0264% | 6,299 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 130.0788% | 245 |
| Efficiency ratio | 64.3882% | 5,177 |
| Assets per employee ($millions) | 2.1970% | 7,386 |
| Cash dividends to net income (ytd only)* | 11.5829% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 6,367 |
| Loan loss allowance to noncurrent loans | 147.3684% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 6,124 |
| Noncurrent loans to loans | 0.6824% | 5,839 |
| Net loans and leases to total assets | 38.1813% | 7,176 |
| Net loans and leases to deposits | 44.7893% | 7,210 |
| Net loans and leases to core deposits | 49.1041% | 7,155 |
| Total domestic deposits to total assets | 85.2464% | 3,494 |
| Equity capital to assets | 14.5616% | 1,005 |
| Core capital (leverage) ratio | 14.6031% | 797 |
| Tier 1 risk-based capital ratio | 39.3205% | 260 |
| Total risk-based capital ratio | 40.3692% | 254 |
| Memoranda: | ||
| Average total assets | $48,642,500 | 6,665 |
| Average earning assets | $43,113,000 | 6,695 |
| Average equity | $7,212,750 | 6,038 |
| Average total loans | $20,164,500 | 7,001 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 4,497 |
| Cost of funding earning assets | 1.1249% | 5,550 |
| Net interest margin | 3.9682% | 3,171 |
| Noninterest income to average assets | 0.6332% | 3,108 |
| Noninterest expense to average assets | 2.4910% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0872% | 1,898 |
| Return on assets (ROA) | 1.0872% | 1,969 |
| Pretax return on assets | 1.5954% | 1,320 |
| Return on Equity (ROE) | 7.2861% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.1415% | 2,255 |
| Net charge-offs to loans | -0.0589% | 7,472 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9582% | 5,866 |
| Assets per employee ($millions) | 2.0988% | 7,514 |
| Cash dividends to net income (ytd only)* | 15.7088% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 6,295 |
| Loan loss allowance to noncurrent loans | 41.3655% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 5,074 |
| Noncurrent loans to loans | 2.4758% | 3,172 |
| Net loans and leases to total assets | 41.2425% | 7,081 |
| Net loans and leases to deposits | 48.6285% | 7,131 |
| Net loans and leases to core deposits | 51.7709% | 7,144 |
| Total domestic deposits to total assets | 84.8114% | 3,721 |
| Equity capital to assets | 15.0498% | 870 |
| Core capital (leverage) ratio | 15.0935% | 706 |
| Tier 1 risk-based capital ratio | 38.8654% | 269 |
| Total risk-based capital ratio | 39.9689% | 270 |
| Memoranda: | ||
| Average total assets | $48,013,330 | 6,729 |
| Average earning assets | $41,782,330 | 6,786 |
| Average equity | $7,164,330 | 6,084 |
| Average total loans | $20,389,670 | 7,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 4,535 |
| Cost of funding earning assets | 1.1425% | 5,688 |
| Net interest margin | 3.9556% | 3,073 |
| Noninterest income to average assets | 0.5848% | 3,376 |
| Noninterest expense to average assets | 2.4225% | 6,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1528% | 1,671 |
| Return on assets (ROA) | 1.1528% | 1,753 |
| Pretax return on assets | 1.6039% | 1,255 |
| Return on Equity (ROE) | 7.7593% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,808 |
| Net charge-offs to loans | -0.1169% | 7,552 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1660% | 6,136 |
| Assets per employee ($millions) | 2.0665% | 7,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,374 |
| Loan loss allowance to noncurrent loans | 93.6364% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 6,315 |
| Noncurrent loans to loans | 1.0862% | 5,184 |
| Net loans and leases to total assets | 42.1818% | 7,116 |
| Net loans and leases to deposits | 49.8372% | 7,132 |
| Net loans and leases to core deposits | 52.2872% | 7,186 |
| Total domestic deposits to total assets | 84.6392% | 3,838 |
| Equity capital to assets | 15.1126% | 853 |
| Core capital (leverage) ratio | 14.9928% | 753 |
| Tier 1 risk-based capital ratio | 38.2091% | 285 |
| Total risk-based capital ratio | 39.3065% | 278 |
| Memoranda: | ||
| Average total assets | $47,883,500 | 6,812 |
| Average earning assets | $41,662,500 | 6,869 |
| Average equity | $7,114,000 | 6,152 |
| Average total loans | $20,527,000 | 7,127 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4122% | 4,639 |
| Cost of funding earning assets | 1.2894% | 6,342 |
| Net interest margin | 4.1228% | 2,354 |
| Noninterest income to average assets | 0.6649% | 3,194 |
| Noninterest expense to average assets | 3.0429% | 3,974 |
| Loan and lease loss provision to assets | 0.0541% | 7,022 |
| Net operating income to assets | 0.8923% | 2,203 |
| Return on assets (ROA) | 0.8923% | 2,274 |
| Pretax return on assets | 1.2172% | 1,910 |
| Return on Equity (ROE) | 5.9531% | 3,229 |
| Retained earnings to average equity (ytd only) | 4.5804% | 2,050 |
| Net charge-offs to loans | 0.1189% | 5,987 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 23.4800% | 930 |
| Efficiency ratio | 70.5321% | 4,520 |
| Assets per employee ($millions) | 2.0973% | 7,659 |
| Cash dividends to net income (ytd only)* | 23.0583% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 6,574 |
| Loan loss allowance to noncurrent loans | 63.6943% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 5,652 |
| Noncurrent loans to loans | 1.5097% | 4,397 |
| Net loans and leases to total assets | 42.7037% | 7,209 |
| Net loans and leases to deposits | 50.0510% | 7,256 |
| Net loans and leases to core deposits | 58.0548% | 7,341 |
| Total domestic deposits to total assets | 85.3204% | 3,401 |
| Equity capital to assets | 14.6050% | 995 |
| Core capital (leverage) ratio | 15.0565% | 770 |
| Tier 1 risk-based capital ratio | 35.7560% | 327 |
| Total risk-based capital ratio | 36.7726% | 328 |
| Memoranda: | ||
| Average total assets | $46,173,400 | 6,866 |
| Average earning assets | $40,870,400 | 6,912 |
| Average equity | $6,920,800 | 6,294 |
| Average total loans | $21,026,600 | 7,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 4,552 |
| Cost of funding earning assets | 1.3143% | 6,510 |
| Net interest margin | 4.1598% | 2,178 |
| Noninterest income to average assets | 0.6454% | 3,377 |
| Noninterest expense to average assets | 2.8560% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0192% | 1,992 |
| Return on assets (ROA) | 1.0192% | 2,063 |
| Pretax return on assets | 1.4864% | 1,458 |
| Return on Equity (ROE) | 6.7538% | 3,180 |
| Retained earnings to average equity (ytd only) | 5.9604% | 1,971 |
| Net charge-offs to loans | 0.0443% | 6,287 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 72.7385% | 461 |
| Efficiency ratio | 65.7700% | 5,409 |
| Assets per employee ($millions) | 1.9666% | 7,821 |
| Cash dividends to net income (ytd only)* | 11.7489% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 6,689 |
| Loan loss allowance to noncurrent loans | 85.3982% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 6,214 |
| Noncurrent loans to loans | 1.0725% | 5,166 |
| Net loans and leases to total assets | 46.1620% | 7,100 |
| Net loans and leases to deposits | 54.8147% | 7,157 |
| Net loans and leases to core deposits | 62.9352% | 7,286 |
| Total domestic deposits to total assets | 84.2147% | 3,619 |
| Equity capital to assets | 15.5576% | 879 |
| Core capital (leverage) ratio | 15.5134% | 757 |
| Tier 1 risk-based capital ratio | 36.8471% | 335 |
| Total risk-based capital ratio | 37.8592% | 331 |
| Memoranda: | ||
| Average total assets | $45,657,500 | 6,937 |
| Average earning assets | $40,578,250 | 6,975 |
| Average equity | $6,889,750 | 6,358 |
| Average total loans | $21,083,500 | 7,196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 5,027 |
| Cost of funding earning assets | 1.3216% | 6,730 |
| Net interest margin | 4.1013% | 2,315 |
| Noninterest income to average assets | 0.6026% | 3,669 |
| Noninterest expense to average assets | 2.8035% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0393% | 1,975 |
| Return on assets (ROA) | 1.0393% | 2,054 |
| Pretax return on assets | 1.4716% | 1,522 |
| Return on Equity (ROE) | 6.9584% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.7597% | 2,138 |
| Net charge-offs to loans | 0.0190% | 6,251 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 168.5000% | 245 |
| Efficiency ratio | 65.5771% | 5,618 |
| Assets per employee ($millions) | 2.0076% | 7,848 |
| Cash dividends to net income (ytd only)* | 17.2269% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,633 |
| Loan loss allowance to noncurrent loans | 1,042.1053% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 7,505 |
| Noncurrent loans to loans | 0.0895% | 7,303 |
| Net loans and leases to total assets | 45.5658% | 7,227 |
| Net loans and leases to deposits | 53.6885% | 7,292 |
| Net loans and leases to core deposits | 61.5673% | 7,393 |
| Total domestic deposits to total assets | 84.8706% | 3,326 |
| Equity capital to assets | 14.9995% | 1,024 |
| Core capital (leverage) ratio | 15.2471% | 869 |
| Tier 1 risk-based capital ratio | 36.0645% | 391 |
| Total risk-based capital ratio | 37.0971% | 393 |
| Memoranda: | ||
| Average total assets | $45,799,330 | 6,990 |
| Average earning assets | $41,011,000 | 7,014 |
| Average equity | $6,840,670 | 6,429 |
| Average total loans | $21,087,000 | 7,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 5,556 |
| Cost of funding earning assets | 1.3458% | 6,886 |
| Net interest margin | 4.0278% | 2,544 |
| Noninterest income to average assets | 0.5350% | 4,023 |
| Noninterest expense to average assets | 2.5257% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2102% | 1,631 |
| Return on assets (ROA) | 1.2102% | 1,742 |
| Pretax return on assets | 1.6838% | 1,208 |
| Return on Equity (ROE) | 8.1200% | 3,088 |
| Retained earnings to average equity (ytd only) | 8.1200% | 1,763 |
| Net charge-offs to loans | -0.0190% | 7,425 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 1.9037% | 7,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,376 |
| Loan loss allowance to noncurrent loans | 184.4037% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 6,799 |
| Noncurrent loans to loans | 0.5252% | 6,107 |
| Net loans and leases to total assets | 44.9824% | 7,265 |
| Net loans and leases to deposits | 53.1224% | 7,335 |
| Net loans and leases to core deposits | 60.4951% | 7,433 |
| Total domestic deposits to total assets | 84.6768% | 3,380 |
| Equity capital to assets | 15.0299% | 1,094 |
| Core capital (leverage) ratio | 15.2100% | 921 |
| Tier 1 risk-based capital ratio | 36.2296% | 399 |
| Total risk-based capital ratio | 37.2919% | 397 |
| Memoranda: | ||
| Average total assets | $45,611,500 | 7,041 |
| Average earning assets | $41,611,000 | 7,034 |
| Average equity | $6,798,000 | 6,481 |
| Average total loans | $21,011,500 | 7,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 6,649 |
| Cost of funding earning assets | 1.5237% | 7,572 |
| Net interest margin | 4.2147% | 2,260 |
| Noninterest income to average assets | 0.6807% | 3,241 |
| Noninterest expense to average assets | 3.0939% | 3,719 |
| Loan and lease loss provision to assets | 0.0250% | 7,087 |
| Net operating income to assets | 1.1155% | 2,086 |
| Return on assets (ROA) | 1.1155% | 2,002 |
| Pretax return on assets | 1.5731% | 1,468 |
| Return on Equity (ROE) | 7.4466% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.7445% | 1,645 |
| Net charge-offs to loans | 0.0047% | 6,918 |
| Credit loss provision to net charge-offs | 1,100.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 702.0000% | 79 |
| Efficiency ratio | 65.8418% | 5,156 |
| Assets per employee ($millions) | 1.9797% | 7,927 |
| Cash dividends to net income (ytd only)* | 22.8571% | 4,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 6,447 |
| Loan loss allowance to noncurrent loans | 129.0323% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 6,238 |
| Noncurrent loans to loans | 0.7287% | 5,207 |
| Net loans and leases to total assets | 46.2731% | 7,303 |
| Net loans and leases to deposits | 54.3630% | 7,414 |
| Net loans and leases to core deposits | 61.5938% | 7,522 |
| Total domestic deposits to total assets | 85.1188% | 2,790 |
| Equity capital to assets | 14.7780% | 1,223 |
| Core capital (leverage) ratio | 15.4272% | 938 |
| Tier 1 risk-based capital ratio | 34.9807% | 444 |
| Total risk-based capital ratio | 36.0223% | 440 |
| Memoranda: | ||
| Average total assets | $43,925,800 | 7,028 |
| Average earning assets | $41,805,600 | 6,957 |
| Average equity | $6,580,200 | 6,611 |
| Average total loans | $21,206,200 | 7,247 |