Home > Peoples Bank > Performance and Condition Ratios
Peoples 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 | 4.4435% | 3,200 |
| Cost of funding earning assets | 1.4533% | 2,067 |
| Net interest margin | 2.9902% | 3,305 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.0325% | 1,078 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4729% | 3,728 |
| Return on assets (ROA) | 0.4729% | 3,725 |
| Pretax return on assets | 0.4898% | 3,830 |
| Return on Equity (ROE) | 4.3100% | 3,846 |
| Retained earnings to average equity (ytd only) | 1.4881% | 3,713 |
| Net charge-offs to loans | -0.0183% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.5479% | 588 |
| Assets per employee ($millions) | 4.1988% | 4,087 |
| Cash dividends to net income (ytd only)* | 65.4762% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,412 |
| Loan loss allowance to noncurrent loans | 1,945.0000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,381 |
| Noncurrent loans to loans | 0.0716% | 3,204 |
| Net loans and leases to total assets | 50.4300% | 3,574 |
| Net loans and leases to deposits | 59.1775% | 3,571 |
| Net loans and leases to core deposits | 77.0546% | 2,913 |
| Total domestic deposits to total assets | 85.2200% | 2,238 |
| Equity capital to assets | 11.4447% | 1,307 |
| Core capital (leverage) ratio | 13.6868% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,290,000 | 4,286 |
| Average earning assets | $48,993,200 | 4,264 |
| Average equity | $5,846,400 | 4,175 |
| Average total loans | $27,314,200 | 4,179 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 3,107 |
| Cost of funding earning assets | 1.3730% | 1,942 |
| Net interest margin | 3.0249% | 3,293 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 3.0182% | 1,048 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5664% | 3,631 |
| Return on assets (ROA) | 0.5664% | 3,616 |
| Pretax return on assets | 0.5890% | 3,756 |
| Return on Equity (ROE) | 5.2200% | 3,777 |
| Retained earnings to average equity (ytd only) | 2.7844% | 3,560 |
| Net charge-offs to loans | -0.0245% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.2061% | 662 |
| Assets per employee ($millions) | 4.0320% | 4,152 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,584 |
| Loan loss allowance to noncurrent loans | 308.8000% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,059 |
| Noncurrent loans to loans | 0.4434% | 1,717 |
| Net loans and leases to total assets | 53.0400% | 3,420 |
| Net loans and leases to deposits | 62.3190% | 3,384 |
| Net loans and leases to core deposits | 83.8197% | 2,336 |
| Total domestic deposits to total assets | 85.1200% | 2,464 |
| Equity capital to assets | 10.7696% | 1,447 |
| Core capital (leverage) ratio | 13.5334% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,966,500 | 4,305 |
| Average earning assets | $48,749,500 | 4,285 |
| Average equity | $5,746,250 | 4,196 |
| Average total loans | $27,163,750 | 4,197 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 3,178 |
| Cost of funding earning assets | 1.1913% | 2,021 |
| Net interest margin | 3.0679% | 3,286 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.0141% | 1,021 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5042% | 3,800 |
| Return on assets (ROA) | 0.5042% | 3,809 |
| Pretax return on assets | 0.5230% | 3,925 |
| Return on Equity (ROE) | 4.6400% | 3,937 |
| Retained earnings to average equity (ytd only) | 2.5606% | 3,586 |
| Net charge-offs to loans | -0.0373% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.6723% | 560 |
| Assets per employee ($millions) | 4.1307% | 4,128 |
| Cash dividends to net income (ytd only)* | 44.7761% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 1,619 |
| Loan loss allowance to noncurrent loans | 278.2609% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 1,915 |
| Noncurrent loans to loans | 0.4947% | 1,473 |
| Net loans and leases to total assets | 51.2300% | 3,471 |
| Net loans and leases to deposits | 62.1170% | 3,299 |
| Net loans and leases to core deposits | 83.7550% | 2,223 |
| Total domestic deposits to total assets | 82.4800% | 3,142 |
| Equity capital to assets | 10.8643% | 1,441 |
| Core capital (leverage) ratio | 13.5751% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,150,000 | 4,323 |
| Average earning assets | $49,024,000 | 4,306 |
| Average equity | $5,780,000 | 4,220 |
| Average total loans | $26,822,000 | 4,217 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 3,081 |
| Cost of funding earning assets | 1.1093% | 1,727 |
| Net interest margin | 3.0732% | 3,414 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 3.0714% | 972 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5825% | 3,724 |
| Return on assets (ROA) | 0.5825% | 3,690 |
| Pretax return on assets | 0.5976% | 3,844 |
| Return on Equity (ROE) | 5.3500% | 3,838 |
| Retained earnings to average equity (ytd only) | 2.9202% | 3,523 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.1967% | 634 |
| Assets per employee ($millions) | 4.0595% | 4,227 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,627 |
| Loan loss allowance to noncurrent loans | 1,105.8824% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,152 |
| Noncurrent loans to loans | 0.1265% | 2,880 |
| Net loans and leases to total assets | 50.2200% | 3,480 |
| Net loans and leases to deposits | 59.5332% | 3,363 |
| Net loans and leases to core deposits | 76.8849% | 2,470 |
| Total domestic deposits to total assets | 84.3600% | 3,009 |
| Equity capital to assets | 11.2387% | 1,250 |
| Core capital (leverage) ratio | 13.4511% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,875,500 | 4,384 |
| Average earning assets | $48,678,500 | 4,366 |
| Average equity | $5,753,000 | 4,276 |
| Average total loans | $26,285,500 | 4,284 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 2,398 |
| Cost of funding earning assets | 0.5178% | 1,282 |
| Net interest margin | 3.2357% | 2,747 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.9956% | 975 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7074% | 3,598 |
| Return on assets (ROA) | 0.7074% | 3,543 |
| Pretax return on assets | 0.7357% | 3,783 |
| Return on Equity (ROE) | 6.1600% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.4650% | 3,868 |
| Net charge-offs to loans | 0.0327% | 1,417 |
| Credit loss provision to net charge-offs | 150.0000% | 1,297 |
| Earnings coverage of net charge-offs (x) | 50.2500% | 1,358 |
| Efficiency ratio | 79.7990% | 730 |
| Assets per employee ($millions) | 4.0752% | 4,256 |
| Cash dividends to net income (ytd only)* | 60.0000% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 637 |
| Loan loss allowance to noncurrent loans | 1,297.2222% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,114 |
| Noncurrent loans to loans | 0.1401% | 2,811 |
| Net loans and leases to total assets | 47.6100% | 3,695 |
| Net loans and leases to deposits | 54.9672% | 3,633 |
| Net loans and leases to core deposits | 71.3659% | 2,766 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 10.5232% | 1,441 |
| Core capital (leverage) ratio | 13.6457% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,011,400 | 4,408 |
| Average earning assets | $48,861,000 | 4,385 |
| Average equity | $6,085,200 | 4,319 |
| Average total loans | $24,460,000 | 4,339 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 2,340 |
| Cost of funding earning assets | 0.4393% | 1,035 |
| Net interest margin | 3.1627% | 2,736 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.9020% | 1,051 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7393% | 3,450 |
| Return on assets (ROA) | 0.7393% | 3,398 |
| Pretax return on assets | 0.7695% | 3,654 |
| Return on Equity (ROE) | 6.3100% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.7342% | 3,538 |
| Net charge-offs to loans | -0.0055% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.5568% | 869 |
| Assets per employee ($millions) | 3.9268% | 4,351 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 533 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,244 |
| Noncurrent loans to loans | 0.1369% | 2,950 |
| Net loans and leases to total assets | 46.3000% | 3,739 |
| Net loans and leases to deposits | 53.2833% | 3,647 |
| Net loans and leases to core deposits | 67.8620% | 2,815 |
| Total domestic deposits to total assets | 86.9000% | 2,796 |
| Equity capital to assets | 10.3236% | 1,452 |
| Core capital (leverage) ratio | 13.4386% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $53,019,750 | 4,441 |
| Average earning assets | $48,860,000 | 4,416 |
| Average equity | $6,212,750 | 4,350 |
| Average total loans | $24,152,000 | 4,377 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 2,237 |
| Cost of funding earning assets | 0.4003% | 918 |
| Net interest margin | 3.0649% | 2,664 |
| Noninterest income to average assets | 0.6558% | 1,516 |
| Noninterest expense to average assets | 2.8094% | 1,159 |
| Loan and lease loss provision to assets | 0.0224% | 2,196 |
| Net operating income to assets | 0.6260% | 3,557 |
| Return on assets (ROA) | 0.6260% | 3,504 |
| Pretax return on assets | 0.6483% | 3,721 |
| Return on Equity (ROE) | 5.1478% | 3,783 |
| Retained earnings to average equity (ytd only) | 2.5433% | 3,607 |
| Net charge-offs to loans | -0.0083% | 3,524 |
| Credit loss provision to net charge-offs | -600.0000% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7281% | 893 |
| Assets per employee ($millions) | 4.0343% | 4,353 |
| Cash dividends to net income (ytd only)* | 50.5952% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 647 |
| Loan loss allowance to noncurrent loans | 1,342.8571% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,309 |
| Noncurrent loans to loans | 0.1423% | 2,990 |
| Net loans and leases to total assets | 45.9997% | 3,709 |
| Net loans and leases to deposits | 52.9649% | 3,609 |
| Net loans and leases to core deposits | 69.4864% | 2,524 |
| Total domestic deposits to total assets | 86.8493% | 2,994 |
| Equity capital to assets | 11.2230% | 1,125 |
| Core capital (leverage) ratio | 13.0825% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,677,000 | 4,475 |
| Average earning assets | $49,462,667 | 4,464 |
| Average equity | $6,527,000 | 4,364 |
| Average total loans | $24,166,000 | 4,429 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 2,010 |
| Cost of funding earning assets | 0.3853% | 953 |
| Net interest margin | 3.0426% | 2,355 |
| Noninterest income to average assets | 0.7146% | 1,270 |
| Noninterest expense to average assets | 2.7997% | 1,156 |
| Loan and lease loss provision to assets | 0.0221% | 1,956 |
| Net operating income to assets | 0.6631% | 3,181 |
| Return on assets (ROA) | 0.6631% | 3,164 |
| Pretax return on assets | 0.6852% | 3,434 |
| Return on Equity (ROE) | 5.2574% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.9208% | 3,291 |
| Net charge-offs to loans | -0.0167% | 3,823 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8319% | 1,165 |
| Assets per employee ($millions) | 4.1888% | 4,311 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 700 |
| Loan loss allowance to noncurrent loans | 1,297.2222% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,401 |
| Noncurrent loans to loans | 0.1488% | 3,061 |
| Net loans and leases to total assets | 43.5726% | 3,768 |
| Net loans and leases to deposits | 50.5604% | 3,691 |
| Net loans and leases to core deposits | 64.8261% | 2,732 |
| Total domestic deposits to total assets | 86.1792% | 3,203 |
| Equity capital to assets | 11.6190% | 1,086 |
| Core capital (leverage) ratio | 12.4421% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,292,500 | 4,494 |
| Average earning assets | $49,825,500 | 4,486 |
| Average equity | $6,847,500 | 4,377 |
| Average total loans | $23,951,500 | 4,453 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 1,808 |
| Cost of funding earning assets | 0.4438% | 1,246 |
| Net interest margin | 3.3812% | 2,088 |
| Noninterest income to average assets | 0.7399% | 1,622 |
| Noninterest expense to average assets | 2.8393% | 1,271 |
| Loan and lease loss provision to assets | 0.0222% | 2,624 |
| Net operating income to assets | 0.9414% | 2,899 |
| Return on assets (ROA) | 0.8934% | 3,126 |
| Pretax return on assets | 0.9286% | 3,427 |
| Return on Equity (ROE) | 6.4330% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.7703% | 3,738 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9403% | 1,311 |
| Assets per employee ($millions) | 4.1639% | 4,344 |
| Cash dividends to net income (ytd only)* | 56.9358% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 654 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,611 |
| Noncurrent loans to loans | 0.1223% | 3,318 |
| Net loans and leases to total assets | 42.9421% | 3,917 |
| Net loans and leases to deposits | 50.8766% | 3,823 |
| Net loans and leases to core deposits | 65.7325% | 2,844 |
| Total domestic deposits to total assets | 84.4045% | 3,445 |
| Equity capital to assets | 13.6114% | 737 |
| Core capital (leverage) ratio | 12.8725% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,062,000 | 4,519 |
| Average earning assets | $49,568,400 | 4,513 |
| Average equity | $7,508,200 | 4,378 |
| Average total loans | $24,895,000 | 4,478 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 1,891 |
| Cost of funding earning assets | 0.4651% | 1,250 |
| Net interest margin | 3.3957% | 2,166 |
| Noninterest income to average assets | 0.7228% | 1,758 |
| Noninterest expense to average assets | 2.7335% | 1,505 |
| Loan and lease loss provision to assets | 0.0222% | 2,551 |
| Net operating income to assets | 1.0422% | 2,762 |
| Return on assets (ROA) | 1.0090% | 2,941 |
| Pretax return on assets | 1.0485% | 3,328 |
| Return on Equity (ROE) | 7.2292% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.4012% | 3,447 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2082% | 1,471 |
| Assets per employee ($millions) | 4.1553% | 4,360 |
| Cash dividends to net income (ytd only)* | 39.1198% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 852 |
| Loan loss allowance to noncurrent loans | 1,440.6250% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 3,342 |
| Noncurrent loans to loans | 0.1283% | 3,460 |
| Net loans and leases to total assets | 45.3322% | 3,846 |
| Net loans and leases to deposits | 54.3055% | 3,716 |
| Net loans and leases to core deposits | 68.2554% | 2,758 |
| Total domestic deposits to total assets | 83.4762% | 3,586 |
| Equity capital to assets | 14.0599% | 727 |
| Core capital (leverage) ratio | 12.9366% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,044,750 | 4,581 |
| Average earning assets | $49,590,750 | 4,574 |
| Average equity | $7,543,250 | 4,438 |
| Average total loans | $25,191,500 | 4,528 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 2,216 |
| Cost of funding earning assets | 0.4857% | 1,288 |
| Net interest margin | 3.2597% | 2,587 |
| Noninterest income to average assets | 0.6216% | 2,123 |
| Noninterest expense to average assets | 2.7232% | 1,530 |
| Loan and lease loss provision to assets | 0.0222% | 2,529 |
| Net operating income to assets | 0.8532% | 3,357 |
| Return on assets (ROA) | 0.8029% | 3,577 |
| Pretax return on assets | 0.8288% | 3,806 |
| Return on Equity (ROE) | 5.7667% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.3750% | 3,725 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1020% | 1,158 |
| Assets per employee ($millions) | 4.1951% | 4,331 |
| Cash dividends to net income (ytd only)* | 41.4747% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 842 |
| Loan loss allowance to noncurrent loans | 1,387.8788% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 3,463 |
| Noncurrent loans to loans | 0.1319% | 3,529 |
| Net loans and leases to total assets | 45.0400% | 3,970 |
| Net loans and leases to deposits | 54.8159% | 3,806 |
| Net loans and leases to core deposits | 69.2032% | 2,849 |
| Total domestic deposits to total assets | 82.1659% | 3,892 |
| Equity capital to assets | 13.7964% | 756 |
| Core capital (leverage) ratio | 12.5427% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,053,333 | 4,612 |
| Average earning assets | $49,820,333 | 4,603 |
| Average equity | $7,526,000 | 4,465 |
| Average total loans | $25,272,333 | 4,563 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 2,511 |
| Cost of funding earning assets | 0.5171% | 1,290 |
| Net interest margin | 3.1267% | 2,910 |
| Noninterest income to average assets | 0.6839% | 1,919 |
| Noninterest expense to average assets | 2.6685% | 1,692 |
| Loan and lease loss provision to assets | 0.0223% | 2,493 |
| Net operating income to assets | 0.8474% | 3,278 |
| Return on assets (ROA) | 0.8474% | 3,356 |
| Pretax return on assets | 0.8697% | 3,672 |
| Return on Equity (ROE) | 6.0582% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.4011% | 3,660 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9478% | 1,228 |
| Assets per employee ($millions) | 4.2549% | 4,308 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 933 |
| Loan loss allowance to noncurrent loans | 623.2877% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,234 |
| Noncurrent loans to loans | 0.2815% | 3,090 |
| Net loans and leases to total assets | 46.0589% | 3,954 |
| Net loans and leases to deposits | 55.3715% | 3,838 |
| Net loans and leases to core deposits | 69.1089% | 2,955 |
| Total domestic deposits to total assets | 83.1815% | 3,642 |
| Equity capital to assets | 13.5698% | 776 |
| Core capital (leverage) ratio | 12.4683% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,812,000 | 4,631 |
| Average earning assets | $49,509,000 | 4,626 |
| Average equity | $7,527,000 | 4,481 |
| Average total loans | $25,398,000 | 4,586 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 2,400 |
| Cost of funding earning assets | 0.7492% | 1,454 |
| Net interest margin | 3.3579% | 2,907 |
| Noninterest income to average assets | 0.6876% | 1,903 |
| Noninterest expense to average assets | 2.8171% | 1,896 |
| Loan and lease loss provision to assets | 0.0495% | 3,770 |
| Net operating income to assets | 0.8857% | 2,760 |
| Return on assets (ROA) | 0.8857% | 2,899 |
| Pretax return on assets | 0.9200% | 3,314 |
| Return on Equity (ROE) | 6.2435% | 3,505 |
| Retained earnings to average equity (ytd only) | 2.8868% | 3,427 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3964% | 1,395 |
| Assets per employee ($millions) | 4.0238% | 4,356 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 832 |
| Loan loss allowance to noncurrent loans | 1,048.8372% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 3,594 |
| Noncurrent loans to loans | 0.1729% | 3,593 |
| Net loans and leases to total assets | 46.6699% | 4,078 |
| Net loans and leases to deposits | 56.0304% | 3,994 |
| Net loans and leases to core deposits | 70.9144% | 3,181 |
| Total domestic deposits to total assets | 83.2938% | 3,332 |
| Equity capital to assets | 14.4294% | 695 |
| Core capital (leverage) ratio | 12.7058% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,501,000 | 4,621 |
| Average earning assets | $48,452,200 | 4,609 |
| Average equity | $7,447,800 | 4,484 |
| Average total loans | $26,608,600 | 4,588 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,349 |
| Cost of funding earning assets | 0.8125% | 1,433 |
| Net interest margin | 3.4039% | 2,909 |
| Noninterest income to average assets | 0.6622% | 1,937 |
| Noninterest expense to average assets | 2.7656% | 2,072 |
| Loan and lease loss provision to assets | 0.0457% | 3,786 |
| Net operating income to assets | 0.9591% | 2,493 |
| Return on assets (ROA) | 0.9591% | 2,623 |
| Pretax return on assets | 0.9971% | 3,078 |
| Return on Equity (ROE) | 6.7898% | 3,277 |
| Retained earnings to average equity (ytd only) | 4.0056% | 3,044 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6183% | 1,561 |
| Assets per employee ($millions) | 4.0345% | 4,287 |
| Cash dividends to net income (ytd only)* | 41.0053% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 947 |
| Loan loss allowance to noncurrent loans | 1,082.9268% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 3,747 |
| Noncurrent loans to loans | 0.1539% | 3,769 |
| Net loans and leases to total assets | 49.9609% | 4,100 |
| Net loans and leases to deposits | 60.8801% | 4,003 |
| Net loans and leases to core deposits | 77.6323% | 3,046 |
| Total domestic deposits to total assets | 82.0645% | 3,405 |
| Equity capital to assets | 14.4598% | 742 |
| Core capital (leverage) ratio | 12.7185% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,548,750 | 4,640 |
| Average earning assets | $48,570,500 | 4,629 |
| Average equity | $7,422,750 | 4,508 |
| Average total loans | $27,044,750 | 4,603 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,510 |
| Cost of funding earning assets | 0.9049% | 1,356 |
| Net interest margin | 3.3811% | 3,156 |
| Noninterest income to average assets | 0.5439% | 2,379 |
| Noninterest expense to average assets | 2.7348% | 2,275 |
| Loan and lease loss provision to assets | 0.0418% | 3,755 |
| Net operating income to assets | 0.8634% | 2,831 |
| Return on assets (ROA) | 0.8634% | 2,949 |
| Pretax return on assets | 0.8938% | 3,326 |
| Return on Equity (ROE) | 6.1609% | 3,450 |
| Retained earnings to average equity (ytd only) | 3.8540% | 2,982 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5078% | 1,416 |
| Assets per employee ($millions) | 4.2758% | 4,030 |
| Cash dividends to net income (ytd only)* | 37.4449% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,030 |
| Loan loss allowance to noncurrent loans | 950.0000% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 3,835 |
| Noncurrent loans to loans | 0.1674% | 3,783 |
| Net loans and leases to total assets | 48.6372% | 4,227 |
| Net loans and leases to deposits | 58.0150% | 4,225 |
| Net loans and leases to core deposits | 78.7733% | 3,045 |
| Total domestic deposits to total assets | 83.8356% | 2,804 |
| Equity capital to assets | 13.5126% | 981 |
| Core capital (leverage) ratio | 12.4142% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,582,000 | 4,651 |
| Average earning assets | $48,623,000 | 4,641 |
| Average equity | $7,369,000 | 4,531 |
| Average total loans | $27,177,000 | 4,616 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 2,426 |
| Cost of funding earning assets | 1.0238% | 1,322 |
| Net interest margin | 3.4351% | 3,199 |
| Noninterest income to average assets | 0.6421% | 1,855 |
| Noninterest expense to average assets | 2.8504% | 2,276 |
| Loan and lease loss provision to assets | 0.0235% | 3,513 |
| Net operating income to assets | 0.9240% | 2,441 |
| Return on assets (ROA) | 0.9240% | 2,547 |
| Pretax return on assets | 0.9475% | 3,007 |
| Return on Equity (ROE) | 6.4675% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.2751% | 2,581 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5902% | 1,738 |
| Assets per employee ($millions) | 3.8778% | 4,079 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 1,192 |
| Loan loss allowance to noncurrent loans | 587.6712% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 3,661 |
| Noncurrent loans to loans | 0.2638% | 3,548 |
| Net loans and leases to total assets | 54.0506% | 3,987 |
| Net loans and leases to deposits | 67.0489% | 3,793 |
| Net loans and leases to core deposits | 93.5265% | 2,016 |
| Total domestic deposits to total assets | 80.6137% | 3,739 |
| Equity capital to assets | 14.6652% | 843 |
| Core capital (leverage) ratio | 12.9918% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,080,500 | 4,695 |
| Average earning assets | $47,276,000 | 4,687 |
| Average equity | $7,298,000 | 4,573 |
| Average total loans | $27,029,500 | 4,655 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 3,055 |
| Cost of funding earning assets | 1.2249% | 962 |
| Net interest margin | 3.2419% | 4,100 |
| Noninterest income to average assets | 0.7448% | 1,646 |
| Noninterest expense to average assets | 2.7053% | 2,869 |
| Loan and lease loss provision to assets | 0.0232% | 3,553 |
| Net operating income to assets | 0.9710% | 2,948 |
| Return on assets (ROA) | 0.9339% | 3,159 |
| Pretax return on assets | 0.9706% | 3,538 |
| Return on Equity (ROE) | 6.9226% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.4899% | 3,262 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3800% | 1,814 |
| Assets per employee ($millions) | 4.3124% | 3,491 |
| Cash dividends to net income (ytd only)* | 49.5868% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 951 |
| Loan loss allowance to noncurrent loans | 560.5263% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 3,296 |
| Noncurrent loans to loans | 0.2881% | 3,406 |
| Net loans and leases to total assets | 50.1575% | 4,322 |
| Net loans and leases to deposits | 61.5640% | 4,212 |
| Net loans and leases to core deposits | 84.5665% | 2,904 |
| Total domestic deposits to total assets | 81.4721% | 3,659 |
| Equity capital to assets | 13.9191% | 1,125 |
| Core capital (leverage) ratio | 12.7012% | 1,371 |
| Tier 1 risk-based capital ratio | 18.9131% | 1,535 |
| Total risk-based capital ratio | 20.1618% | 1,501 |
| Memoranda: | ||
| Average total assets | $51,823,800 | 4,722 |
| Average earning assets | $47,842,000 | 4,714 |
| Average equity | $6,991,600 | 4,642 |
| Average total loans | $26,782,400 | 4,716 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 3,147 |
| Cost of funding earning assets | 1.2393% | 937 |
| Net interest margin | 3.2322% | 4,227 |
| Noninterest income to average assets | 0.7433% | 1,615 |
| Noninterest expense to average assets | 2.6798% | 2,920 |
| Loan and lease loss provision to assets | 0.0231% | 3,438 |
| Net operating income to assets | 0.9804% | 3,050 |
| Return on assets (ROA) | 0.9310% | 3,305 |
| Pretax return on assets | 0.9670% | 3,695 |
| Return on Equity (ROE) | 6.9559% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.0736% | 3,363 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0111% | 1,834 |
| Assets per employee ($millions) | 4.3334% | 3,436 |
| Cash dividends to net income (ytd only)* | 41.4379% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,123 |
| Loan loss allowance to noncurrent loans | 497.6471% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,693 |
| Noncurrent loans to loans | 0.3109% | 3,412 |
| Net loans and leases to total assets | 51.7586% | 4,326 |
| Net loans and leases to deposits | 66.6411% | 4,016 |
| Net loans and leases to core deposits | 94.6944% | 2,110 |
| Total domestic deposits to total assets | 77.6677% | 4,414 |
| Equity capital to assets | 13.7844% | 1,240 |
| Core capital (leverage) ratio | 12.2878% | 1,688 |
| Tier 1 risk-based capital ratio | 18.2406% | 1,751 |
| Total risk-based capital ratio | 19.4507% | 1,723 |
| Memoranda: | ||
| Average total assets | $51,842,500 | 4,789 |
| Average earning assets | $47,767,750 | 4,780 |
| Average equity | $6,938,750 | 4,706 |
| Average total loans | $26,882,500 | 4,780 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 3,310 |
| Cost of funding earning assets | 1.1994% | 998 |
| Net interest margin | 3.2083% | 4,350 |
| Noninterest income to average assets | 0.6681% | 1,842 |
| Noninterest expense to average assets | 2.6685% | 3,005 |
| Loan and lease loss provision to assets | 0.0232% | 3,342 |
| Net operating income to assets | 0.8970% | 3,294 |
| Return on assets (ROA) | 0.8303% | 3,605 |
| Pretax return on assets | 0.8612% | 3,951 |
| Return on Equity (ROE) | 6.2661% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.9345% | 3,278 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6674% | 1,678 |
| Assets per employee ($millions) | 4.3878% | 3,300 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,241 |
| Loan loss allowance to noncurrent loans | 471.9101% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,669 |
| Noncurrent loans to loans | 0.3201% | 3,385 |
| Net loans and leases to total assets | 52.0046% | 4,349 |
| Net loans and leases to deposits | 65.9299% | 4,106 |
| Net loans and leases to core deposits | 92.9779% | 2,331 |
| Total domestic deposits to total assets | 78.8787% | 4,245 |
| Equity capital to assets | 13.4408% | 1,351 |
| Core capital (leverage) ratio | 12.3653% | 1,602 |
| Tier 1 risk-based capital ratio | 17.0382% | 2,076 |
| Total risk-based capital ratio | 18.1744% | 2,049 |
| Memoranda: | ||
| Average total assets | $51,789,670 | 4,826 |
| Average earning assets | $47,688,670 | 4,818 |
| Average equity | $6,862,330 | 4,744 |
| Average total loans | $26,730,670 | 4,813 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 3,357 |
| Cost of funding earning assets | 1.1758% | 972 |
| Net interest margin | 3.1890% | 4,406 |
| Noninterest income to average assets | 0.9113% | 1,020 |
| Noninterest expense to average assets | 2.7415% | 2,773 |
| Loan and lease loss provision to assets | 0.0234% | 3,127 |
| Net operating income to assets | 1.0564% | 2,639 |
| Return on assets (ROA) | 0.9190% | 3,201 |
| Pretax return on assets | 0.9424% | 3,636 |
| Return on Equity (ROE) | 6.9874% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.9149% | 2,942 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2551% | 2,152 |
| Assets per employee ($millions) | 3.9240% | 4,037 |
| Cash dividends to net income (ytd only)* | 29.6610% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,076 |
| Loan loss allowance to noncurrent loans | 369.0265% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 3,484 |
| Noncurrent loans to loans | 0.4316% | 3,035 |
| Net loans and leases to total assets | 50.5038% | 4,434 |
| Net loans and leases to deposits | 62.0631% | 4,297 |
| Net loans and leases to core deposits | 87.6501% | 2,725 |
| Total domestic deposits to total assets | 81.3750% | 3,888 |
| Equity capital to assets | 13.4851% | 1,214 |
| Core capital (leverage) ratio | 12.3602% | 1,578 |
| Tier 1 risk-based capital ratio | 19.0172% | 1,540 |
| Total risk-based capital ratio | 20.2685% | 1,513 |
| Memoranda: | ||
| Average total assets | $51,358,000 | 4,879 |
| Average earning assets | $47,287,000 | 4,874 |
| Average equity | $6,755,000 | 4,795 |
| Average total loans | $26,195,000 | 4,878 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 4,097 |
| Cost of funding earning assets | 0.8757% | 1,191 |
| Net interest margin | 3.0993% | 4,653 |
| Noninterest income to average assets | 0.6761% | 1,941 |
| Noninterest expense to average assets | 2.6888% | 3,064 |
| Loan and lease loss provision to assets | 0.0464% | 3,257 |
| Net operating income to assets | 0.7823% | 3,871 |
| Return on assets (ROA) | 0.7823% | 3,873 |
| Pretax return on assets | 0.8055% | 4,156 |
| Return on Equity (ROE) | 6.1957% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.1361% | 3,824 |
| Net charge-offs to loans | 0.0040% | 3,583 |
| Credit loss provision to net charge-offs | 2,400.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 441.0000% | 242 |
| Efficiency ratio | 75.9411% | 1,378 |
| Assets per employee ($millions) | 3.9772% | 3,917 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,071 |
| Loan loss allowance to noncurrent loans | 552.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,813 |
| Noncurrent loans to loans | 0.2862% | 3,540 |
| Net loans and leases to total assets | 49.8917% | 4,529 |
| Net loans and leases to deposits | 59.0297% | 4,523 |
| Net loans and leases to core deposits | 79.9034% | 3,436 |
| Total domestic deposits to total assets | 84.5196% | 2,825 |
| Equity capital to assets | 12.8249% | 1,427 |
| Core capital (leverage) ratio | 12.3431% | 1,541 |
| Tier 1 risk-based capital ratio | 18.6381% | 1,587 |
| Total risk-based capital ratio | 19.8899% | 1,544 |
| Memoranda: | ||
| Average total assets | $51,769,400 | 4,901 |
| Average earning assets | $47,849,800 | 4,895 |
| Average equity | $6,536,800 | 4,821 |
| Average total loans | $25,057,200 | 4,938 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 4,125 |
| Cost of funding earning assets | 0.8106% | 1,286 |
| Net interest margin | 3.1227% | 4,669 |
| Noninterest income to average assets | 0.6334% | 2,150 |
| Noninterest expense to average assets | 2.6725% | 3,055 |
| Loan and lease loss provision to assets | 0.0463% | 3,057 |
| Net operating income to assets | 0.7801% | 3,974 |
| Return on assets (ROA) | 0.7801% | 3,982 |
| Pretax return on assets | 0.8007% | 4,292 |
| Return on Equity (ROE) | 6.2026% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.2343% | 4,125 |
| Net charge-offs to loans | 0.0054% | 3,243 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 329.8195% | 285 |
| Efficiency ratio | 75.9327% | 1,359 |
| Assets per employee ($millions) | 3.9565% | 3,955 |
| Cash dividends to net income (ytd only)* | 47.8551% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,067 |
| Loan loss allowance to noncurrent loans | 566.6667% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,960 |
| Noncurrent loans to loans | 0.2834% | 3,669 |
| Net loans and leases to total assets | 48.5943% | 4,687 |
| Net loans and leases to deposits | 61.9891% | 4,441 |
| Net loans and leases to core deposits | 89.3345% | 2,714 |
| Total domestic deposits to total assets | 78.3917% | 4,422 |
| Equity capital to assets | 12.5870% | 1,527 |
| Core capital (leverage) ratio | 12.1294% | 1,709 |
| Tier 1 risk-based capital ratio | 18.7345% | 1,603 |
| Total risk-based capital ratio | 19.9841% | 1,570 |
| Memoranda: | ||
| Average total assets | $51,785,750 | 4,956 |
| Average earning assets | $47,863,750 | 4,954 |
| Average equity | $6,513,250 | 4,879 |
| Average total loans | $24,769,000 | 5,003 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 4,158 |
| Cost of funding earning assets | 0.7688% | 1,286 |
| Net interest margin | 3.1000% | 4,728 |
| Noninterest income to average assets | 0.5125% | 2,787 |
| Noninterest expense to average assets | 2.6280% | 3,233 |
| Loan and lease loss provision to assets | 0.0462% | 2,978 |
| Net operating income to assets | 0.7052% | 4,183 |
| Return on assets (ROA) | 0.7052% | 4,182 |
| Pretax return on assets | 0.7129% | 4,477 |
| Return on Equity (ROE) | 5.6081% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.6968% | 4,172 |
| Net charge-offs to loans | 0.0081% | 2,835 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 421 |
| Efficiency ratio | 77.5882% | 1,233 |
| Assets per employee ($millions) | 4.2501% | 3,497 |
| Cash dividends to net income (ytd only)* | 51.9126% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 962 |
| Loan loss allowance to noncurrent loans | 406.0606% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,751 |
| Noncurrent loans to loans | 0.4107% | 3,225 |
| Net loans and leases to total assets | 46.4736% | 4,800 |
| Net loans and leases to deposits | 55.3358% | 4,787 |
| Net loans and leases to core deposits | 72.6498% | 3,972 |
| Total domestic deposits to total assets | 83.9846% | 3,073 |
| Equity capital to assets | 12.7880% | 1,399 |
| Core capital (leverage) ratio | 11.9577% | 1,742 |
| Tier 1 risk-based capital ratio | 19.1373% | 1,521 |
| Total risk-based capital ratio | 20.3874% | 1,483 |
| Memoranda: | ||
| Average total assets | $51,903,000 | 5,015 |
| Average earning assets | $48,128,330 | 5,003 |
| Average equity | $6,526,330 | 4,926 |
| Average total loans | $24,558,000 | 5,069 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 4,226 |
| Cost of funding earning assets | 0.6808% | 1,540 |
| Net interest margin | 3.1167% | 4,667 |
| Noninterest income to average assets | 0.5501% | 2,520 |
| Noninterest expense to average assets | 2.5901% | 3,364 |
| Loan and lease loss provision to assets | 0.0458% | 2,849 |
| Net operating income to assets | 0.8252% | 3,608 |
| Return on assets (ROA) | 0.8252% | 3,619 |
| Pretax return on assets | 0.8175% | 4,104 |
| Return on Equity (ROE) | 6.6171% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,704 |
| Net charge-offs to loans | 0.0161% | 2,194 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 554 |
| Efficiency ratio | 75.0000% | 1,746 |
| Assets per employee ($millions) | 4.0385% | 3,912 |
| Cash dividends to net income (ytd only)* | 43.5185% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,207 |
| Loan loss allowance to noncurrent loans | 356.7568% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 3,777 |
| Noncurrent loans to loans | 0.4431% | 3,201 |
| Net loans and leases to total assets | 46.9572% | 4,756 |
| Net loans and leases to deposits | 57.5991% | 4,605 |
| Net loans and leases to core deposits | 75.1776% | 3,725 |
| Total domestic deposits to total assets | 81.5242% | 4,083 |
| Equity capital to assets | 12.3788% | 1,564 |
| Core capital (leverage) ratio | 11.6095% | 1,921 |
| Tier 1 risk-based capital ratio | 18.4459% | 1,708 |
| Total risk-based capital ratio | 19.6593% | 1,684 |
| Memoranda: | ||
| Average total assets | $52,354,000 | 5,070 |
| Average earning assets | $48,769,500 | 5,048 |
| Average equity | $6,528,500 | 4,971 |
| Average total loans | $24,785,000 | 5,117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,239 |
| Cost of funding earning assets | 0.5663% | 1,847 |
| Net interest margin | 3.1752% | 4,505 |
| Noninterest income to average assets | 0.5683% | 2,611 |
| Noninterest expense to average assets | 2.6957% | 3,135 |
| Loan and lease loss provision to assets | 0.0455% | 3,329 |
| Net operating income to assets | 0.7844% | 3,231 |
| Return on assets (ROA) | 0.7900% | 3,248 |
| Pretax return on assets | 0.8070% | 4,221 |
| Return on Equity (ROE) | 6.3666% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.0077% | 3,499 |
| Net charge-offs to loans | 0.0082% | 3,792 |
| Credit loss provision to net charge-offs | 1,200.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 223.5000% | 366 |
| Efficiency ratio | 76.0963% | 1,600 |
| Assets per employee ($millions) | 4.0159% | 3,932 |
| Cash dividends to net income (ytd only)* | 52.7578% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,154 |
| Loan loss allowance to noncurrent loans | 289.6296% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 3,597 |
| Noncurrent loans to loans | 0.5505% | 2,846 |
| Net loans and leases to total assets | 46.2199% | 4,880 |
| Net loans and leases to deposits | 54.0619% | 4,894 |
| Net loans and leases to core deposits | 68.2159% | 4,278 |
| Total domestic deposits to total assets | 85.4943% | 2,655 |
| Equity capital to assets | 12.5615% | 1,482 |
| Core capital (leverage) ratio | 11.5769% | 1,887 |
| Tier 1 risk-based capital ratio | 18.8649% | 1,536 |
| Total risk-based capital ratio | 20.1026% | 1,509 |
| Memoranda: | ||
| Average total assets | $52,787,800 | 5,104 |
| Average earning assets | $49,445,600 | 5,075 |
| Average equity | $6,549,800 | 5,015 |
| Average total loans | $24,538,800 | 5,175 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,260 |
| Cost of funding earning assets | 0.5430% | 1,943 |
| Net interest margin | 3.1801% | 4,509 |
| Noninterest income to average assets | 0.4861% | 3,114 |
| Noninterest expense to average assets | 2.6120% | 3,376 |
| Loan and lease loss provision to assets | 0.0453% | 3,192 |
| Net operating income to assets | 0.7961% | 3,537 |
| Return on assets (ROA) | 0.8035% | 3,556 |
| Pretax return on assets | 0.8161% | 4,309 |
| Return on Equity (ROE) | 6.4957% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.5430% | 3,804 |
| Net charge-offs to loans | 0.0109% | 3,338 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 169.2846% | 500 |
| Efficiency ratio | 75.3634% | 1,684 |
| Assets per employee ($millions) | 4.1009% | 3,825 |
| Cash dividends to net income (ytd only)* | 45.4552% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,579 |
| Loan loss allowance to noncurrent loans | 260.1351% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 3,704 |
| Noncurrent loans to loans | 0.5721% | 2,981 |
| Net loans and leases to total assets | 47.7997% | 4,841 |
| Net loans and leases to deposits | 61.0167% | 4,579 |
| Net loans and leases to core deposits | 78.3996% | 3,598 |
| Total domestic deposits to total assets | 78.3388% | 4,660 |
| Equity capital to assets | 12.5844% | 1,614 |
| Core capital (leverage) ratio | 11.2727% | 2,207 |
| Tier 1 risk-based capital ratio | 17.9784% | 1,858 |
| Total risk-based capital ratio | 19.1442% | 1,834 |
| Memoranda: | ||
| Average total assets | $52,933,000 | 5,156 |
| Average earning assets | $49,598,750 | 5,129 |
| Average equity | $6,547,750 | 5,068 |
| Average total loans | $24,543,250 | 5,225 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 4,302 |
| Cost of funding earning assets | 0.5167% | 2,039 |
| Net interest margin | 3.1570% | 4,528 |
| Noninterest income to average assets | 0.4356% | 3,452 |
| Noninterest expense to average assets | 2.6474% | 3,275 |
| Loan and lease loss provision to assets | 0.0454% | 3,082 |
| Net operating income to assets | 0.7082% | 3,807 |
| Return on assets (ROA) | 0.7082% | 3,874 |
| Pretax return on assets | 0.7045% | 4,534 |
| Return on Equity (ROE) | 5.7592% | 4,151 |
| Retained earnings to average equity (ytd only) | 2.8334% | 4,023 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9264% | 1,470 |
| Assets per employee ($millions) | 4.0729% | 3,841 |
| Cash dividends to net income (ytd only)* | 50.8021% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,376 |
| Loan loss allowance to noncurrent loans | 263.8889% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,797 |
| Noncurrent loans to loans | 0.5895% | 2,961 |
| Net loans and leases to total assets | 45.4200% | 4,975 |
| Net loans and leases to deposits | 56.9261% | 4,809 |
| Net loans and leases to core deposits | 70.9201% | 4,170 |
| Total domestic deposits to total assets | 79.7877% | 4,458 |
| Equity capital to assets | 12.5897% | 1,578 |
| Core capital (leverage) ratio | 11.3269% | 2,104 |
| Tier 1 risk-based capital ratio | 18.1362% | 1,815 |
| Total risk-based capital ratio | 19.3131% | 1,794 |
| Memoranda: | ||
| Average total assets | $52,806,670 | 5,195 |
| Average earning assets | $49,540,670 | 5,167 |
| Average equity | $6,494,000 | 5,104 |
| Average total loans | $24,101,670 | 5,278 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 4,251 |
| Cost of funding earning assets | 0.4926% | 2,151 |
| Net interest margin | 3.1655% | 4,449 |
| Noninterest income to average assets | 0.4627% | 3,231 |
| Noninterest expense to average assets | 2.6244% | 3,395 |
| Loan and lease loss provision to assets | 0.0455% | 2,890 |
| Net operating income to assets | 0.7964% | 3,236 |
| Return on assets (ROA) | 0.7964% | 3,291 |
| Pretax return on assets | 0.7661% | 4,228 |
| Return on Equity (ROE) | 6.5543% | 3,634 |
| Retained earnings to average equity (ytd only) | 3.7453% | 3,577 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3797% | 1,854 |
| Assets per employee ($millions) | 4.0057% | 3,999 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 1,406 |
| Loan loss allowance to noncurrent loans | 241.9355% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,763 |
| Noncurrent loans to loans | 0.6574% | 2,862 |
| Net loans and leases to total assets | 44.5577% | 5,007 |
| Net loans and leases to deposits | 54.3880% | 4,912 |
| Net loans and leases to core deposits | 67.9324% | 4,301 |
| Total domestic deposits to total assets | 81.9257% | 4,187 |
| Equity capital to assets | 12.4611% | 1,571 |
| Core capital (leverage) ratio | 11.1779% | 2,210 |
| Tier 1 risk-based capital ratio | 18.5953% | 1,720 |
| Total risk-based capital ratio | 19.7930% | 1,690 |
| Memoranda: | ||
| Average total assets | $52,736,000 | 5,253 |
| Average earning assets | $49,533,500 | 5,218 |
| Average equity | $6,408,000 | 5,170 |
| Average total loans | $23,938,000 | 5,335 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 4,139 |
| Cost of funding earning assets | 0.4167% | 2,841 |
| Net interest margin | 3.3087% | 4,113 |
| Noninterest income to average assets | 0.5707% | 2,813 |
| Noninterest expense to average assets | 2.7327% | 3,247 |
| Loan and lease loss provision to assets | 0.0467% | 3,455 |
| Net operating income to assets | 0.8088% | 3,262 |
| Return on assets (ROA) | 0.8336% | 3,246 |
| Pretax return on assets | 0.9115% | 3,805 |
| Return on Equity (ROE) | 6.5620% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.2657% | 3,585 |
| Net charge-offs to loans | -0.0088% | 4,910 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5880% | 2,212 |
| Assets per employee ($millions) | 4.1075% | 3,773 |
| Cash dividends to net income (ytd only)* | 50.2336% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,619 |
| Loan loss allowance to noncurrent loans | 193.6842% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,608 |
| Noncurrent loans to loans | 0.7820% | 2,562 |
| Net loans and leases to total assets | 44.8144% | 5,074 |
| Net loans and leases to deposits | 53.0728% | 5,055 |
| Net loans and leases to core deposits | 64.7037% | 4,595 |
| Total domestic deposits to total assets | 84.4395% | 3,258 |
| Equity capital to assets | 11.8488% | 1,906 |
| Core capital (leverage) ratio | 11.5258% | 1,909 |
| Tier 1 risk-based capital ratio | 18.6795% | 1,681 |
| Total risk-based capital ratio | 19.8723% | 1,664 |
| Memoranda: | ||
| Average total assets | $51,341,600 | 5,319 |
| Average earning assets | $47,994,400 | 5,287 |
| Average equity | $6,522,400 | 5,182 |
| Average total loans | $22,719,200 | 5,425 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 3,949 |
| Cost of funding earning assets | 0.3941% | 3,077 |
| Net interest margin | 3.3952% | 3,861 |
| Noninterest income to average assets | 0.5299% | 3,046 |
| Noninterest expense to average assets | 2.8934% | 2,657 |
| Loan and lease loss provision to assets | 0.0472% | 3,305 |
| Net operating income to assets | 0.7529% | 3,592 |
| Return on assets (ROA) | 0.7712% | 3,648 |
| Pretax return on assets | 0.7712% | 4,408 |
| Return on Equity (ROE) | 5.9652% | 4,080 |
| Retained earnings to average equity (ytd only) | 2.9218% | 4,151 |
| Net charge-offs to loans | -0.0060% | 4,653 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3381% | 1,640 |
| Assets per employee ($millions) | 3.9311% | 4,081 |
| Cash dividends to net income (ytd only)* | 51.0217% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,534 |
| Loan loss allowance to noncurrent loans | 272.1805% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 2,301 |
| Noncurrent loans to loans | 0.5812% | 3,264 |
| Net loans and leases to total assets | 44.0690% | 5,184 |
| Net loans and leases to deposits | 54.1019% | 5,106 |
| Net loans and leases to core deposits | 67.7364% | 4,488 |
| Total domestic deposits to total assets | 81.4555% | 4,120 |
| Equity capital to assets | 13.0264% | 1,478 |
| Core capital (leverage) ratio | 11.1966% | 2,270 |
| Tier 1 risk-based capital ratio | 18.8427% | 1,710 |
| Total risk-based capital ratio | 20.0410% | 1,681 |
| Memoranda: | ||
| Average total assets | $50,827,500 | 5,381 |
| Average earning assets | $47,360,250 | 5,353 |
| Average equity | $6,571,250 | 5,222 |
| Average total loans | $22,324,500 | 5,488 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 3,947 |
| Cost of funding earning assets | 0.3841% | 3,219 |
| Net interest margin | 3.4191% | 3,811 |
| Noninterest income to average assets | 0.4849% | 3,303 |
| Noninterest expense to average assets | 2.8777% | 2,752 |
| Loan and lease loss provision to assets | 0.0473% | 3,203 |
| Net operating income to assets | 0.7529% | 3,533 |
| Return on assets (ROA) | 0.7805% | 3,544 |
| Pretax return on assets | 0.7805% | 4,347 |
| Return on Equity (ROE) | 6.0526% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.9957% | 4,008 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2422% | 1,749 |
| Assets per employee ($millions) | 3.9303% | 4,039 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,491 |
| Loan loss allowance to noncurrent loans | 253.5714% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 2,246 |
| Noncurrent loans to loans | 0.6365% | 3,167 |
| Net loans and leases to total assets | 42.3514% | 5,321 |
| Net loans and leases to deposits | 50.7672% | 5,300 |
| Net loans and leases to core deposits | 64.1232% | 4,743 |
| Total domestic deposits to total assets | 83.4227% | 3,497 |
| Equity capital to assets | 13.0798% | 1,455 |
| Core capital (leverage) ratio | 11.2385% | 2,205 |
| Tier 1 risk-based capital ratio | 18.8669% | 1,722 |
| Total risk-based capital ratio | 20.0595% | 1,698 |
| Memoranda: | ||
| Average total assets | $50,735,330 | 5,444 |
| Average earning assets | $47,381,330 | 5,408 |
| Average equity | $6,542,670 | 5,275 |
| Average total loans | $22,138,330 | 5,558 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 3,903 |
| Cost of funding earning assets | 0.3473% | 3,626 |
| Net interest margin | 3.4645% | 3,605 |
| Noninterest income to average assets | 0.5855% | 2,617 |
| Noninterest expense to average assets | 2.9828% | 2,448 |
| Loan and lease loss provision to assets | 0.0475% | 2,969 |
| Net operating income to assets | 0.7912% | 3,294 |
| Return on assets (ROA) | 0.8228% | 3,257 |
| Pretax return on assets | 0.8228% | 4,126 |
| Return on Equity (ROE) | 6.4272% | 3,770 |
| Retained earnings to average equity (ytd only) | 3.3372% | 3,827 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0538% | 1,888 |
| Assets per employee ($millions) | 3.9248% | 4,082 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,849 |
| Loan loss allowance to noncurrent loans | 189.6739% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 2,127 |
| Noncurrent loans to loans | 0.8094% | 2,814 |
| Net loans and leases to total assets | 43.8685% | 5,246 |
| Net loans and leases to deposits | 53.4086% | 5,138 |
| Net loans and leases to core deposits | 67.7616% | 4,423 |
| Total domestic deposits to total assets | 82.1375% | 4,177 |
| Equity capital to assets | 12.8726% | 1,476 |
| Core capital (leverage) ratio | 11.1903% | 2,233 |
| Tier 1 risk-based capital ratio | 18.4206% | 1,879 |
| Total risk-based capital ratio | 19.5680% | 1,864 |
| Memoranda: | ||
| Average total assets | $50,556,000 | 5,497 |
| Average earning assets | $47,222,500 | 5,469 |
| Average equity | $6,472,500 | 5,325 |
| Average total loans | $22,210,500 | 5,608 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 4,159 |
| Cost of funding earning assets | 0.3117% | 4,118 |
| Net interest margin | 3.4503% | 3,719 |
| Noninterest income to average assets | 0.6261% | 2,584 |
| Noninterest expense to average assets | 2.8335% | 3,095 |
| Loan and lease loss provision to assets | 0.0384% | 3,568 |
| Net operating income to assets | 0.9512% | 2,606 |
| Return on assets (ROA) | 0.9654% | 2,621 |
| Pretax return on assets | 0.9654% | 3,594 |
| Return on Equity (ROE) | 7.6054% | 3,192 |
| Retained earnings to average equity (ytd only) | 3.7868% | 3,340 |
| Net charge-offs to loans | 0.0388% | 3,451 |
| Credit loss provision to net charge-offs | 237.5000% | 1,200 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 856 |
| Efficiency ratio | 74.1152% | 2,565 |
| Assets per employee ($millions) | 3.8530% | 4,205 |
| Cash dividends to net income (ytd only)* | 50.2092% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,673 |
| Loan loss allowance to noncurrent loans | 55.6818% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 1,752 |
| Noncurrent loans to loans | 2.8401% | 592 |
| Net loans and leases to total assets | 42.6161% | 5,369 |
| Net loans and leases to deposits | 49.2490% | 5,425 |
| Net loans and leases to core deposits | 60.6248% | 4,944 |
| Total domestic deposits to total assets | 86.5320% | 2,363 |
| Equity capital to assets | 12.7313% | 1,500 |
| Core capital (leverage) ratio | 11.3671% | 2,071 |
| Tier 1 risk-based capital ratio | 18.7735% | 1,755 |
| Total risk-based capital ratio | 19.9337% | 1,735 |
| Memoranda: | ||
| Average total assets | $49,514,400 | 5,556 |
| Average earning assets | $45,880,200 | 5,532 |
| Average equity | $6,285,000 | 5,377 |
| Average total loans | $20,633,400 | 5,698 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,253 |
| Cost of funding earning assets | 0.3100% | 4,231 |
| Net interest margin | 3.4419% | 3,787 |
| Noninterest income to average assets | 0.5968% | 2,760 |
| Noninterest expense to average assets | 2.8167% | 3,116 |
| Loan and lease loss provision to assets | 0.0243% | 3,789 |
| Net operating income to assets | 0.9344% | 2,783 |
| Return on assets (ROA) | 0.9533% | 2,791 |
| Pretax return on assets | 0.9533% | 3,804 |
| Return on Equity (ROE) | 7.5160% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.7482% | 3,092 |
| Net charge-offs to loans | 0.0589% | 2,762 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 39.4433% | 1,260 |
| Efficiency ratio | 74.6066% | 2,456 |
| Assets per employee ($millions) | 4.2690% | 3,384 |
| Cash dividends to net income (ytd only)* | 36.8278% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 2,173 |
| Loan loss allowance to noncurrent loans | 54.6798% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 1,988 |
| Noncurrent loans to loans | 2.7363% | 694 |
| Net loans and leases to total assets | 42.7950% | 5,441 |
| Net loans and leases to deposits | 53.2564% | 5,304 |
| Net loans and leases to core deposits | 67.1661% | 4,616 |
| Total domestic deposits to total assets | 80.3564% | 4,652 |
| Equity capital to assets | 12.3507% | 1,831 |
| Core capital (leverage) ratio | 11.2789% | 2,215 |
| Tier 1 risk-based capital ratio | 18.4442% | 1,919 |
| Total risk-based capital ratio | 19.5541% | 1,915 |
| Memoranda: | ||
| Average total assets | $49,370,750 | 5,623 |
| Average earning assets | $45,593,250 | 5,611 |
| Average equity | $6,262,000 | 5,444 |
| Average total loans | $20,369,500 | 5,776 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 4,354 |
| Cost of funding earning assets | 0.3085% | 4,302 |
| Net interest margin | 3.4115% | 3,870 |
| Noninterest income to average assets | 0.6318% | 2,571 |
| Noninterest expense to average assets | 2.8553% | 3,047 |
| Loan and lease loss provision to assets | 0.0246% | 3,643 |
| Net operating income to assets | 0.9271% | 2,745 |
| Return on assets (ROA) | 0.9436% | 2,787 |
| Pretax return on assets | 0.9436% | 3,792 |
| Return on Equity (ROE) | 7.3714% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.2882% | 2,682 |
| Net charge-offs to loans | 0.0912% | 2,116 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,510 |
| Efficiency ratio | 75.0000% | 2,534 |
| Assets per employee ($millions) | 3.7575% | 4,316 |
| Cash dividends to net income (ytd only)* | 28.2609% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,823 |
| Loan loss allowance to noncurrent loans | 55.2013% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 2,073 |
| Noncurrent loans to loans | 2.9477% | 681 |
| Net loans and leases to total assets | 40.7190% | 5,589 |
| Net loans and leases to deposits | 49.3145% | 5,541 |
| Net loans and leases to core deposits | 58.8287% | 5,143 |
| Total domestic deposits to total assets | 82.5701% | 4,098 |
| Equity capital to assets | 12.6558% | 1,575 |
| Core capital (leverage) ratio | 11.5577% | 1,955 |
| Tier 1 risk-based capital ratio | 19.5389% | 1,658 |
| Total risk-based capital ratio | 20.7130% | 1,648 |
| Memoranda: | ||
| Average total assets | $48,751,670 | 5,706 |
| Average earning assets | $45,376,330 | 5,676 |
| Average equity | $6,240,330 | 5,495 |
| Average total loans | $19,740,670 | 5,862 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,272 |
| Cost of funding earning assets | 0.3076% | 4,360 |
| Net interest margin | 3.4182% | 3,767 |
| Noninterest income to average assets | 0.7227% | 2,053 |
| Noninterest expense to average assets | 2.8499% | 3,072 |
| Loan and lease loss provision to assets | 0.0246% | 3,381 |
| Net operating income to assets | 1.0430% | 2,062 |
| Return on assets (ROA) | 1.0430% | 2,206 |
| Pretax return on assets | 1.0430% | 3,325 |
| Return on Equity (ROE) | 8.1027% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.1027% | 1,530 |
| Net charge-offs to loans | 0.2051% | 1,116 |
| Credit loss provision to net charge-offs | 30.0000% | 2,278 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,753 |
| Efficiency ratio | 72.7463% | 3,039 |
| Assets per employee ($millions) | 3.7188% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,049 |
| Loan loss allowance to noncurrent loans | 55.9177% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.2059% | 2,222 |
| Noncurrent loans to loans | 2.8613% | 790 |
| Net loans and leases to total assets | 41.4715% | 5,520 |
| Net loans and leases to deposits | 48.8392% | 5,523 |
| Net loans and leases to core deposits | 54.5136% | 5,343 |
| Total domestic deposits to total assets | 84.9144% | 3,450 |
| Equity capital to assets | 13.1930% | 1,306 |
| Core capital (leverage) ratio | 11.2472% | 2,196 |
| Tier 1 risk-based capital ratio | 19.4214% | 1,757 |
| Total risk-based capital ratio | 20.5857% | 1,737 |
| Memoranda: | ||
| Average total assets | $48,704,000 | 5,753 |
| Average earning assets | $45,521,000 | 5,725 |
| Average equity | $6,269,500 | 5,538 |
| Average total loans | $19,501,500 | 5,921 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,183 |
| Cost of funding earning assets | 0.3466% | 4,285 |
| Net interest margin | 3.5379% | 3,647 |
| Noninterest income to average assets | 0.4738% | 3,687 |
| Noninterest expense to average assets | 2.8343% | 3,363 |
| Loan and lease loss provision to assets | 0.0384% | 3,807 |
| Net operating income to assets | 0.8687% | 3,027 |
| Return on assets (ROA) | 0.8793% | 3,063 |
| Pretax return on assets | 0.8793% | 3,967 |
| Return on Equity (ROE) | 7.1453% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.8446% | 2,027 |
| Net charge-offs to loans | -0.0540% | 5,951 |
| Credit loss provision to net charge-offs | -180.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7558% | 2,548 |
| Assets per employee ($millions) | 3.7742% | 4,394 |
| Cash dividends to net income (ytd only)* | 18.2039% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 1,561 |
| Loan loss allowance to noncurrent loans | 177.1277% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 4,549 |
| Noncurrent loans to loans | 1.0092% | 2,808 |
| Net loans and leases to total assets | 37.2880% | 5,889 |
| Net loans and leases to deposits | 43.3562% | 5,905 |
| Net loans and leases to core deposits | 47.9228% | 5,815 |
| Total domestic deposits to total assets | 86.0040% | 2,841 |
| Equity capital to assets | 12.5571% | 1,615 |
| Core capital (leverage) ratio | 11.4689% | 1,993 |
| Tier 1 risk-based capital ratio | 19.5935% | 1,689 |
| Total risk-based capital ratio | 20.8262% | 1,663 |
| Memoranda: | ||
| Average total assets | $46,854,000 | 5,865 |
| Average earning assets | $43,274,400 | 5,843 |
| Average equity | $5,766,000 | 5,671 |
| Average total loans | $18,519,000 | 6,018 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 4,005 |
| Cost of funding earning assets | 0.3508% | 4,334 |
| Net interest margin | 3.5899% | 3,467 |
| Noninterest income to average assets | 0.5586% | 3,140 |
| Noninterest expense to average assets | 2.8969% | 3,132 |
| Loan and lease loss provision to assets | 0.0518% | 3,337 |
| Net operating income to assets | 0.9099% | 2,864 |
| Return on assets (ROA) | 0.9099% | 2,963 |
| Pretax return on assets | 0.9099% | 3,945 |
| Return on Equity (ROE) | 7.4343% | 3,476 |
| Retained earnings to average equity (ytd only) | 5.6699% | 2,627 |
| Net charge-offs to loans | -0.0577% | 5,966 |
| Credit loss provision to net charge-offs | -225.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0746% | 2,652 |
| Assets per employee ($millions) | 3.6255% | 4,623 |
| Cash dividends to net income (ytd only)* | 23.7349% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 1,721 |
| Loan loss allowance to noncurrent loans | 60.3636% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 2,614 |
| Noncurrent loans to loans | 2.9630% | 902 |
| Net loans and leases to total assets | 38.6786% | 5,905 |
| Net loans and leases to deposits | 46.1706% | 5,854 |
| Net loans and leases to core deposits | 50.8352% | 5,748 |
| Total domestic deposits to total assets | 83.7732% | 3,848 |
| Equity capital to assets | 12.5647% | 1,656 |
| Core capital (leverage) ratio | 11.1765% | 2,328 |
| Tier 1 risk-based capital ratio | 19.3136% | 1,821 |
| Total risk-based capital ratio | 20.5467% | 1,798 |
| Memoranda: | ||
| Average total assets | $46,301,500 | 5,947 |
| Average earning assets | $42,562,500 | 5,930 |
| Average equity | $5,667,250 | 5,753 |
| Average total loans | $18,491,750 | 6,084 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 4,080 |
| Cost of funding earning assets | 0.3478% | 4,460 |
| Net interest margin | 3.5672% | 3,500 |
| Noninterest income to average assets | 0.4432% | 3,917 |
| Noninterest expense to average assets | 2.7942% | 3,530 |
| Loan and lease loss provision to assets | 0.0521% | 3,260 |
| Net operating income to assets | 0.8952% | 2,838 |
| Return on assets (ROA) | 0.8952% | 2,931 |
| Pretax return on assets | 0.8952% | 3,905 |
| Return on Equity (ROE) | 7.3804% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.3804% | 1,573 |
| Net charge-offs to loans | -0.0758% | 6,058 |
| Credit loss provision to net charge-offs | -171.4286% | 5,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6806% | 2,859 |
| Assets per employee ($millions) | 3.5248% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 1,972 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 3,527 |
| Noncurrent loans to loans | 0.8757% | 3,507 |
| Net loans and leases to total assets | 39.6665% | 5,844 |
| Net loans and leases to deposits | 47.5090% | 5,798 |
| Net loans and leases to core deposits | 51.3635% | 5,711 |
| Total domestic deposits to total assets | 83.4926% | 4,114 |
| Equity capital to assets | 12.7013% | 1,541 |
| Core capital (leverage) ratio | 11.2667% | 2,180 |
| Tier 1 risk-based capital ratio | 19.4333% | 1,815 |
| Total risk-based capital ratio | 20.6488% | 1,792 |
| Memoranda: | ||
| Average total assets | $46,024,670 | 6,006 |
| Average earning assets | $42,554,000 | 5,987 |
| Average equity | $5,582,330 | 5,811 |
| Average total loans | $18,468,330 | 6,142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 4,047 |
| Cost of funding earning assets | 0.3477% | 4,560 |
| Net interest margin | 3.5614% | 3,424 |
| Noninterest income to average assets | 0.5984% | 2,744 |
| Noninterest expense to average assets | 2.8444% | 3,400 |
| Loan and lease loss provision to assets | 0.0520% | 3,059 |
| Net operating income to assets | 0.9886% | 2,254 |
| Return on assets (ROA) | 0.9886% | 2,310 |
| Pretax return on assets | 0.9886% | 3,369 |
| Return on Equity (ROE) | 8.3463% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.3463% | 1,472 |
| Net charge-offs to loans | -0.1084% | 6,148 |
| Credit loss provision to net charge-offs | -120.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2143% | 3,276 |
| Assets per employee ($millions) | 3.8589% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 2,512 |
| Loan loss allowance to noncurrent loans | 267.7966% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 3,984 |
| Noncurrent loans to loans | 0.6163% | 4,319 |
| Net loans and leases to total assets | 40.6677% | 5,763 |
| Net loans and leases to deposits | 46.8726% | 5,788 |
| Net loans and leases to core deposits | 50.0758% | 5,756 |
| Total domestic deposits to total assets | 86.7623% | 2,961 |
| Equity capital to assets | 12.3221% | 1,673 |
| Core capital (leverage) ratio | 11.1553% | 2,262 |
| Tier 1 risk-based capital ratio | 18.6252% | 2,086 |
| Total risk-based capital ratio | 19.7849% | 2,075 |
| Memoranda: | ||
| Average total assets | $46,126,000 | 6,066 |
| Average earning assets | $42,568,000 | 6,042 |
| Average equity | $5,463,500 | 5,877 |
| Average total loans | $18,452,500 | 6,201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 4,770 |
| Cost of funding earning assets | 0.3782% | 4,859 |
| Net interest margin | 3.4343% | 4,151 |
| Noninterest income to average assets | 0.6382% | 2,874 |
| Noninterest expense to average assets | 2.8039% | 3,707 |
| Loan and lease loss provision to assets | 0.0779% | 3,553 |
| Net operating income to assets | 0.9108% | 2,723 |
| Return on assets (ROA) | 0.9108% | 2,812 |
| Pretax return on assets | 0.9390% | 3,603 |
| Return on Equity (ROE) | 7.5919% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.7066% | 2,811 |
| Net charge-offs to loans | 0.2875% | 2,251 |
| Credit loss provision to net charge-offs | 70.5882% | 3,295 |
| Earnings coverage of net charge-offs (x) | 9.2157% | 2,535 |
| Efficiency ratio | 73.3862% | 3,235 |
| Assets per employee ($millions) | 3.5342% | 4,834 |
| Cash dividends to net income (ytd only)* | 38.0048% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,343 |
| Loan loss allowance to noncurrent loans | 229.3233% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 4,013 |
| Noncurrent loans to loans | 0.7490% | 4,093 |
| Net loans and leases to total assets | 37.9845% | 6,093 |
| Net loans and leases to deposits | 43.4367% | 6,149 |
| Net loans and leases to core deposits | 46.4026% | 6,115 |
| Total domestic deposits to total assets | 87.4480% | 2,496 |
| Equity capital to assets | 11.3636% | 2,272 |
| Core capital (leverage) ratio | 11.3600% | 2,067 |
| Tier 1 risk-based capital ratio | 18.9820% | 1,924 |
| Total risk-based capital ratio | 20.1493% | 1,916 |
| Memoranda: | ||
| Average total assets | $46,220,600 | 6,114 |
| Average earning assets | $42,833,000 | 6,086 |
| Average equity | $5,545,400 | 5,921 |
| Average total loans | $17,740,000 | 6,295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 4,769 |
| Cost of funding earning assets | 0.3852% | 4,948 |
| Net interest margin | 3.4361% | 4,142 |
| Noninterest income to average assets | 0.6711% | 2,771 |
| Noninterest expense to average assets | 2.7939% | 3,683 |
| Loan and lease loss provision to assets | 0.0778% | 3,504 |
| Net operating income to assets | 0.9534% | 2,572 |
| Return on assets (ROA) | 0.9534% | 2,678 |
| Pretax return on assets | 0.9851% | 3,561 |
| Return on Equity (ROE) | 7.8436% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.0001% | 3,086 |
| Net charge-offs to loans | 0.1879% | 2,720 |
| Credit loss provision to net charge-offs | 108.0000% | 2,173 |
| Earnings coverage of net charge-offs (x) | 14.7612% | 1,917 |
| Efficiency ratio | 72.4421% | 3,329 |
| Assets per employee ($millions) | 3.2542% | 5,373 |
| Cash dividends to net income (ytd only)* | 36.2549% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 2,436 |
| Loan loss allowance to noncurrent loans | 71.4602% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 3,673 |
| Noncurrent loans to loans | 2.4573% | 1,773 |
| Net loans and leases to total assets | 39.6650% | 6,050 |
| Net loans and leases to deposits | 48.1521% | 5,954 |
| Net loans and leases to core deposits | 51.6875% | 5,908 |
| Total domestic deposits to total assets | 82.3745% | 4,801 |
| Equity capital to assets | 11.0143% | 2,744 |
| Core capital (leverage) ratio | 11.0367% | 2,444 |
| Tier 1 risk-based capital ratio | 18.4995% | 2,141 |
| Total risk-based capital ratio | 19.7160% | 2,123 |
| Memoranda: | ||
| Average total assets | $46,289,500 | 6,181 |
| Average earning assets | $42,915,500 | 6,149 |
| Average equity | $5,626,500 | 5,967 |
| Average total loans | $17,735,750 | 6,357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 4,719 |
| Cost of funding earning assets | 0.3801% | 5,138 |
| Net interest margin | 3.4535% | 3,991 |
| Noninterest income to average assets | 0.6447% | 2,940 |
| Noninterest expense to average assets | 2.8582% | 3,483 |
| Loan and lease loss provision to assets | 0.0774% | 3,511 |
| Net operating income to assets | 0.8854% | 2,870 |
| Return on assets (ROA) | 0.8854% | 3,027 |
| Pretax return on assets | 0.9112% | 3,864 |
| Return on Equity (ROE) | 7.0677% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.0677% | 1,865 |
| Net charge-offs to loans | 0.1827% | 2,665 |
| Credit loss provision to net charge-offs | 112.5000% | 1,970 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,825 |
| Efficiency ratio | 74.3017% | 3,076 |
| Assets per employee ($millions) | 3.2380% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 2,265 |
| Loan loss allowance to noncurrent loans | 57.7061% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 3,287 |
| Noncurrent loans to loans | 3.2030% | 1,371 |
| Net loans and leases to total assets | 37.7195% | 6,195 |
| Net loans and leases to deposits | 43.5610% | 6,252 |
| Net loans and leases to core deposits | 47.2505% | 6,163 |
| Total domestic deposits to total assets | 86.5900% | 3,065 |
| Equity capital to assets | 12.3842% | 1,646 |
| Core capital (leverage) ratio | 10.6202% | 2,741 |
| Tier 1 risk-based capital ratio | 19.1278% | 1,961 |
| Total risk-based capital ratio | 20.3788% | 1,927 |
| Memoranda: | ||
| Average total assets | $46,533,000 | 6,221 |
| Average earning assets | $43,145,000 | 6,182 |
| Average equity | $5,829,330 | 5,964 |
| Average total loans | $17,516,330 | 6,404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 4,476 |
| Cost of funding earning assets | 0.3826% | 5,258 |
| Net interest margin | 3.5167% | 3,627 |
| Noninterest income to average assets | 0.8147% | 2,074 |
| Noninterest expense to average assets | 2.8600% | 3,505 |
| Loan and lease loss provision to assets | 0.0764% | 3,354 |
| Net operating income to assets | 1.1287% | 1,750 |
| Return on assets (ROA) | 1.1287% | 1,868 |
| Pretax return on assets | 1.1542% | 2,748 |
| Return on Equity (ROE) | 8.9608% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.9608% | 1,394 |
| Net charge-offs to loans | -0.0228% | 5,779 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9170% | 3,993 |
| Assets per employee ($millions) | 3.3306% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 2,339 |
| Loan loss allowance to noncurrent loans | 62.4528% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1367% | 3,670 |
| Noncurrent loans to loans | 3.0229% | 1,660 |
| Net loans and leases to total assets | 36.8920% | 6,233 |
| Net loans and leases to deposits | 42.7167% | 6,284 |
| Net loans and leases to core deposits | 46.2345% | 6,201 |
| Total domestic deposits to total assets | 86.3644% | 3,324 |
| Equity capital to assets | 12.8914% | 1,477 |
| Core capital (leverage) ratio | 10.4265% | 2,870 |
| Tier 1 risk-based capital ratio | 18.8113% | 2,092 |
| Total risk-based capital ratio | 20.0599% | 2,069 |
| Memoranda: | ||
| Average total assets | $47,133,500 | 6,263 |
| Average earning assets | $43,904,500 | 6,215 |
| Average equity | $5,937,000 | 6,004 |
| Average total loans | $17,564,000 | 6,461 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 6,209 |
| Cost of funding earning assets | 0.4616% | 5,489 |
| Net interest margin | 3.1505% | 5,691 |
| Noninterest income to average assets | 0.7637% | 2,427 |
| Noninterest expense to average assets | 2.7833% | 4,092 |
| Loan and lease loss provision to assets | 0.0460% | 5,266 |
| Net operating income to assets | 0.8468% | 3,061 |
| Return on assets (ROA) | 0.8468% | 3,311 |
| Pretax return on assets | 0.8468% | 4,122 |
| Return on Equity (ROE) | 6.8227% | 3,747 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,584 |
| Net charge-offs to loans | 0.0363% | 5,415 |
| Credit loss provision to net charge-offs | 350.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 534 |
| Efficiency ratio | 75.7143% | 2,796 |
| Assets per employee ($millions) | 3.4028% | 5,207 |
| Cash dividends to net income (ytd only)* | 45.2196% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 2,530 |
| Loan loss allowance to noncurrent loans | 53.2446% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 3,540 |
| Noncurrent loans to loans | 3.4157% | 1,470 |
| Net loans and leases to total assets | 36.2623% | 6,414 |
| Net loans and leases to deposits | 41.8443% | 6,470 |
| Net loans and leases to core deposits | 45.2557% | 6,406 |
| Total domestic deposits to total assets | 86.6601% | 3,020 |
| Equity capital to assets | 12.3071% | 1,853 |
| Core capital (leverage) ratio | 10.3374% | 2,964 |
| Tier 1 risk-based capital ratio | 17.7017% | 2,383 |
| Total risk-based capital ratio | 18.4846% | 2,521 |
| Memoranda: | ||
| Average total assets | $45,700,600 | 6,335 |
| Average earning assets | $42,247,400 | 6,301 |
| Average equity | $5,672,200 | 6,110 |
| Average total loans | $16,540,200 | 6,575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 6,349 |
| Cost of funding earning assets | 0.4866% | 5,528 |
| Net interest margin | 3.1439% | 5,835 |
| Noninterest income to average assets | 0.8758% | 1,923 |
| Noninterest expense to average assets | 2.8013% | 3,976 |
| Loan and lease loss provision to assets | 0.0442% | 5,216 |
| Net operating income to assets | 0.9259% | 2,848 |
| Return on assets (ROA) | 0.9259% | 3,073 |
| Pretax return on assets | 0.9259% | 4,008 |
| Return on Equity (ROE) | 7.4435% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.3618% | 3,820 |
| Net charge-offs to loans | 0.0656% | 4,765 |
| Credit loss provision to net charge-offs | 187.5000% | 1,472 |
| Earnings coverage of net charge-offs (x) | 41.1115% | 865 |
| Efficiency ratio | 74.2768% | 2,940 |
| Assets per employee ($millions) | 3.2416% | 5,552 |
| Cash dividends to net income (ytd only)* | 41.4011% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,554 |
| Loan loss allowance to noncurrent loans | 90.9357% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 4,783 |
| Noncurrent loans to loans | 2.0645% | 2,777 |
| Net loans and leases to total assets | 35.8182% | 6,561 |
| Net loans and leases to deposits | 41.4214% | 6,626 |
| Net loans and leases to core deposits | 42.8519% | 6,636 |
| Total domestic deposits to total assets | 86.4726% | 2,999 |
| Equity capital to assets | 12.8112% | 1,700 |
| Core capital (leverage) ratio | 10.2402% | 3,242 |
| Tier 1 risk-based capital ratio | 18.5566% | 2,140 |
| Total risk-based capital ratio | 19.7905% | 2,117 |
| Memoranda: | ||
| Average total assets | $45,216,000 | 6,420 |
| Average earning assets | $41,645,750 | 6,392 |
| Average equity | $5,624,500 | 6,187 |
| Average total loans | $16,276,500 | 6,669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 6,422 |
| Cost of funding earning assets | 0.5133% | 5,527 |
| Net interest margin | 3.1326% | 5,909 |
| Noninterest income to average assets | 0.6997% | 2,674 |
| Noninterest expense to average assets | 2.7856% | 4,073 |
| Loan and lease loss provision to assets | 0.0266% | 5,333 |
| Net operating income to assets | 0.7794% | 3,469 |
| Return on assets (ROA) | 0.7794% | 3,742 |
| Pretax return on assets | 0.7794% | 4,546 |
| Return on Equity (ROE) | 6.3294% | 4,141 |
| Retained earnings to average equity (ytd only) | 3.9919% | 3,959 |
| Net charge-offs to loans | -0.0371% | 6,585 |
| Credit loss provision to net charge-offs | -200.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5586% | 2,514 |
| Assets per employee ($millions) | 3.2709% | 5,513 |
| Cash dividends to net income (ytd only)* | 36.9318% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 1,970 |
| Loan loss allowance to noncurrent loans | 96.6049% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 5,022 |
| Noncurrent loans to loans | 2.1858% | 2,729 |
| Net loans and leases to total assets | 31.6861% | 6,819 |
| Net loans and leases to deposits | 36.4381% | 6,862 |
| Net loans and leases to core deposits | 37.6766% | 6,874 |
| Total domestic deposits to total assets | 86.9587% | 2,792 |
| Equity capital to assets | 12.4058% | 1,873 |
| Core capital (leverage) ratio | 10.1746% | 3,173 |
| Tier 1 risk-based capital ratio | 19.7690% | 1,768 |
| Total risk-based capital ratio | 21.0185% | 1,738 |
| Memoranda: | ||
| Average total assets | $45,160,670 | 6,461 |
| Average earning assets | $41,690,670 | 6,421 |
| Average equity | $5,561,330 | 6,228 |
| Average total loans | $16,180,000 | 6,724 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 6,370 |
| Cost of funding earning assets | 0.5426% | 5,546 |
| Net interest margin | 3.1977% | 5,788 |
| Noninterest income to average assets | 0.8652% | 1,891 |
| Noninterest expense to average assets | 2.8811% | 3,703 |
| Loan and lease loss provision to assets | 0.0268% | 5,021 |
| Net operating income to assets | 0.9009% | 2,909 |
| Return on assets (ROA) | 0.9009% | 3,136 |
| Pretax return on assets | 0.9009% | 4,027 |
| Return on Equity (ROE) | 7.3435% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.3435% | 2,259 |
| Net charge-offs to loans | -0.2135% | 7,005 |
| Credit loss provision to net charge-offs | -33.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6440% | 2,833 |
| Assets per employee ($millions) | 3.1806% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 2,676 |
| Loan loss allowance to noncurrent loans | 65.9708% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0757% | 4,337 |
| Noncurrent loans to loans | 2.8786% | 2,244 |
| Net loans and leases to total assets | 36.6593% | 6,582 |
| Net loans and leases to deposits | 42.2365% | 6,648 |
| Net loans and leases to core deposits | 43.7160% | 6,665 |
| Total domestic deposits to total assets | 86.7951% | 3,071 |
| Equity capital to assets | 12.6457% | 1,630 |
| Core capital (leverage) ratio | 10.5686% | 2,675 |
| Tier 1 risk-based capital ratio | 19.1009% | 1,960 |
| Total risk-based capital ratio | 20.3527% | 1,928 |
| Memoranda: | ||
| Average total assets | $44,844,500 | 6,514 |
| Average earning assets | $41,280,000 | 6,480 |
| Average equity | $5,501,500 | 6,275 |
| Average total loans | $16,858,500 | 6,755 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 6,640 |
| Cost of funding earning assets | 0.7532% | 5,186 |
| Net interest margin | 3.1251% | 6,284 |
| Noninterest income to average assets | 0.6654% | 2,807 |
| Noninterest expense to average assets | 2.8985% | 3,965 |
| Loan and lease loss provision to assets | 0.0852% | 5,537 |
| Net operating income to assets | 0.5565% | 4,203 |
| Return on assets (ROA) | 0.5565% | 4,391 |
| Pretax return on assets | 0.5802% | 4,745 |
| Return on Equity (ROE) | 4.5262% | 4,617 |
| Retained earnings to average equity (ytd only) | 2.5039% | 4,446 |
| Net charge-offs to loans | 0.1462% | 4,974 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 10.4074% | 1,840 |
| Efficiency ratio | 81.3289% | 2,116 |
| Assets per employee ($millions) | 3.2257% | 5,662 |
| Cash dividends to net income (ytd only)* | 44.6809% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,933 |
| Loan loss allowance to noncurrent loans | 70.0461% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 4,688 |
| Noncurrent loans to loans | 2.5414% | 2,586 |
| Net loans and leases to total assets | 37.1413% | 6,693 |
| Net loans and leases to deposits | 42.4042% | 6,789 |
| Net loans and leases to core deposits | 43.8533% | 6,818 |
| Total domestic deposits to total assets | 87.5886% | 2,414 |
| Equity capital to assets | 11.8955% | 2,203 |
| Core capital (leverage) ratio | 10.2579% | 3,016 |
| Tier 1 risk-based capital ratio | 18.3149% | 2,103 |
| Total risk-based capital ratio | 19.5547% | 2,068 |
| Memoranda: | ||
| Average total assets | $42,229,000 | 6,592 |
| Average earning assets | $39,166,600 | 6,564 |
| Average equity | $5,192,000 | 6,391 |
| Average total loans | $18,466,200 | 6,734 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 6,624 |
| Cost of funding earning assets | 0.8093% | 5,090 |
| Net interest margin | 3.1679% | 6,243 |
| Noninterest income to average assets | 0.8033% | 2,041 |
| Noninterest expense to average assets | 3.0267% | 3,455 |
| Loan and lease loss provision to assets | 0.0868% | 5,361 |
| Net operating income to assets | 0.5944% | 4,105 |
| Return on assets (ROA) | 0.5944% | 4,292 |
| Pretax return on assets | 0.6201% | 4,742 |
| Return on Equity (ROE) | 4.7923% | 4,619 |
| Retained earnings to average equity (ytd only) | 2.7200% | 4,724 |
| Net charge-offs to loans | -0.0213% | 6,923 |
| Credit loss provision to net charge-offs | -900.0000% | 6,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0671% | 2,099 |
| Assets per employee ($millions) | 3.1636% | 5,760 |
| Cash dividends to net income (ytd only)* | 43.2417% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,723 |
| Loan loss allowance to noncurrent loans | 76.6509% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 4,826 |
| Noncurrent loans to loans | 2.4365% | 2,839 |
| Net loans and leases to total assets | 38.5572% | 6,740 |
| Net loans and leases to deposits | 44.1232% | 6,825 |
| Net loans and leases to core deposits | 45.6616% | 6,861 |
| Total domestic deposits to total assets | 87.3854% | 2,412 |
| Equity capital to assets | 12.1201% | 2,158 |
| Core capital (leverage) ratio | 10.4217% | 2,967 |
| Tier 1 risk-based capital ratio | 18.2681% | 2,162 |
| Total risk-based capital ratio | 19.5198% | 2,126 |
| Memoranda: | ||
| Average total assets | $41,496,250 | 6,670 |
| Average earning assets | $38,384,250 | 6,643 |
| Average equity | $5,147,000 | 6,454 |
| Average total loans | $18,813,500 | 6,782 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 6,538 |
| Cost of funding earning assets | 0.8773% | 4,843 |
| Net interest margin | 3.1954% | 6,173 |
| Noninterest income to average assets | 0.8332% | 1,877 |
| Noninterest expense to average assets | 3.1160% | 3,191 |
| Loan and lease loss provision to assets | 0.0887% | 5,207 |
| Net operating income to assets | 0.5670% | 4,227 |
| Return on assets (ROA) | 0.5670% | 4,351 |
| Pretax return on assets | 0.5916% | 4,763 |
| Return on Equity (ROE) | 4.5335% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.3653% | 4,783 |
| Net charge-offs to loans | -0.0207% | 6,830 |
| Credit loss provision to net charge-offs | -900.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0779% | 2,090 |
| Assets per employee ($millions) | 3.0468% | 5,982 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 2,737 |
| Loan loss allowance to noncurrent loans | 104.6512% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 5,496 |
| Noncurrent loans to loans | 1.7935% | 3,764 |
| Net loans and leases to total assets | 38.6074% | 6,828 |
| Net loans and leases to deposits | 44.2058% | 6,916 |
| Net loans and leases to core deposits | 45.8629% | 6,945 |
| Total domestic deposits to total assets | 87.3356% | 2,552 |
| Equity capital to assets | 12.2072% | 1,961 |
| Core capital (leverage) ratio | 10.7161% | 2,501 |
| Tier 1 risk-based capital ratio | 19.4220% | 1,732 |
| Total risk-based capital ratio | 20.6738% | 1,704 |
| Memoranda: | ||
| Average total assets | $40,565,000 | 6,765 |
| Average earning assets | $37,616,670 | 6,737 |
| Average equity | $5,073,330 | 6,510 |
| Average total loans | $19,284,000 | 6,826 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 6,240 |
| Cost of funding earning assets | 0.9506% | 4,559 |
| Net interest margin | 3.2670% | 5,883 |
| Noninterest income to average assets | 0.7794% | 2,116 |
| Noninterest expense to average assets | 3.1275% | 3,149 |
| Loan and lease loss provision to assets | 0.0911% | 4,872 |
| Net operating income to assets | 0.5870% | 4,100 |
| Return on assets (ROA) | 0.5870% | 4,167 |
| Pretax return on assets | 0.5870% | 4,737 |
| Return on Equity (ROE) | 4.6340% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.6366% | 4,586 |
| Net charge-offs to loans | -0.1169% | 7,127 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1809% | 2,198 |
| Assets per employee ($millions) | 2.8003% | 6,536 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,923 |
| Loan loss allowance to noncurrent loans | 97.1787% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 5,279 |
| Noncurrent loans to loans | 1.6041% | 4,077 |
| Net loans and leases to total assets | 49.9362% | 5,858 |
| Net loans and leases to deposits | 57.7442% | 5,949 |
| Net loans and leases to core deposits | 60.1259% | 6,086 |
| Total domestic deposits to total assets | 86.4784% | 3,249 |
| Equity capital to assets | 12.8737% | 1,439 |
| Core capital (leverage) ratio | 11.1627% | 2,061 |
| Tier 1 risk-based capital ratio | 18.3833% | 1,993 |
| Total risk-based capital ratio | 19.6337% | 1,947 |
| Memoranda: | ||
| Average total assets | $39,520,000 | 6,851 |
| Average earning assets | $36,608,500 | 6,822 |
| Average equity | $5,006,500 | 6,561 |
| Average total loans | $20,534,500 | 6,808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 4,552 |
| Cost of funding earning assets | 1.2623% | 4,128 |
| Net interest margin | 3.7393% | 4,182 |
| Noninterest income to average assets | 0.6929% | 2,882 |
| Noninterest expense to average assets | 3.2352% | 2,961 |
| Loan and lease loss provision to assets | 0.2293% | 4,986 |
| Net operating income to assets | 0.6037% | 3,649 |
| Return on assets (ROA) | 0.6037% | 3,819 |
| Pretax return on assets | 0.6318% | 4,223 |
| Return on Equity (ROE) | 4.7000% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.2012% | 4,348 |
| Net charge-offs to loans | 0.1635% | 5,354 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 9.3889% | 1,831 |
| Efficiency ratio | 78.9801% | 2,540 |
| Assets per employee ($millions) | 3.6215% | 4,651 |
| Cash dividends to net income (ytd only)* | 53.1646% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 4,551 |
| Loan loss allowance to noncurrent loans | 91.9003% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 5,390 |
| Noncurrent loans to loans | 1.5154% | 4,212 |
| Net loans and leases to total assets | 52.4325% | 5,857 |
| Net loans and leases to deposits | 60.3165% | 6,024 |
| Net loans and leases to core deposits | 61.8306% | 6,249 |
| Total domestic deposits to total assets | 86.9289% | 2,869 |
| Equity capital to assets | 12.4661% | 1,653 |
| Core capital (leverage) ratio | 11.0113% | 2,156 |
| Tier 1 risk-based capital ratio | 16.9952% | 2,346 |
| Total risk-based capital ratio | 18.1446% | 2,355 |
| Memoranda: | ||
| Average total assets | $39,256,000 | 6,891 |
| Average earning assets | $35,728,400 | 6,886 |
| Average equity | $5,042,600 | 6,652 |
| Average total loans | $22,015,200 | 6,820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 3,647 |
| Cost of funding earning assets | 1.2982% | 4,231 |
| Net interest margin | 3.9399% | 3,359 |
| Noninterest income to average assets | 0.7398% | 2,584 |
| Noninterest expense to average assets | 3.2454% | 2,759 |
| Loan and lease loss provision to assets | 0.2727% | 4,404 |
| Net operating income to assets | 0.7568% | 3,191 |
| Return on assets (ROA) | 0.7568% | 3,345 |
| Pretax return on assets | 0.7909% | 3,945 |
| Return on Equity (ROE) | 5.8476% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.1610% | 4,217 |
| Net charge-offs to loans | 0.1320% | 5,240 |
| Credit loss provision to net charge-offs | 363.6364% | 853 |
| Earnings coverage of net charge-offs (x) | 14.1831% | 1,534 |
| Efficiency ratio | 75.3165% | 3,077 |
| Assets per employee ($millions) | 3.0216% | 6,106 |
| Cash dividends to net income (ytd only)* | 45.9475% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 4,641 |
| Loan loss allowance to noncurrent loans | 66.8904% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 4,844 |
| Noncurrent loans to loans | 2.0422% | 3,631 |
| Net loans and leases to total assets | 54.9604% | 5,709 |
| Net loans and leases to deposits | 64.4775% | 5,855 |
| Net loans and leases to core deposits | 69.5634% | 5,790 |
| Total domestic deposits to total assets | 85.2397% | 3,498 |
| Equity capital to assets | 13.0648% | 1,541 |
| Core capital (leverage) ratio | 11.3599% | 2,036 |
| Tier 1 risk-based capital ratio | 16.9542% | 2,355 |
| Total risk-based capital ratio | 18.1134% | 2,351 |
| Memoranda: | ||
| Average total assets | $39,111,000 | 6,979 |
| Average earning assets | $35,432,000 | 6,979 |
| Average equity | $5,061,750 | 6,730 |
| Average total loans | $22,223,500 | 6,898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 3,402 |
| Cost of funding earning assets | 1.2858% | 4,619 |
| Net interest margin | 4.0274% | 2,889 |
| Noninterest income to average assets | 0.7323% | 2,505 |
| Noninterest expense to average assets | 3.2212% | 2,831 |
| Loan and lease loss provision to assets | 0.2561% | 4,373 |
| Net operating income to assets | 0.8552% | 2,709 |
| Return on assets (ROA) | 0.8552% | 2,856 |
| Pretax return on assets | 0.8962% | 3,508 |
| Return on Equity (ROE) | 6.6292% | 3,476 |
| Retained earnings to average equity (ytd only) | 3.8108% | 3,669 |
| Net charge-offs to loans | 0.0179% | 6,091 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 294 |
| Efficiency ratio | 73.6534% | 3,536 |
| Assets per employee ($millions) | 2.9507% | 6,244 |
| Cash dividends to net income (ytd only)* | 42.5150% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 5,014 |
| Loan loss allowance to noncurrent loans | 61.4894% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 4,688 |
| Noncurrent loans to loans | 2.0881% | 3,602 |
| Net loans and leases to total assets | 57.9238% | 5,427 |
| Net loans and leases to deposits | 68.0167% | 5,563 |
| Net loans and leases to core deposits | 70.9170% | 5,780 |
| Total domestic deposits to total assets | 85.1612% | 3,539 |
| Equity capital to assets | 13.2094% | 1,470 |
| Core capital (leverage) ratio | 11.5037% | 1,915 |
| Tier 1 risk-based capital ratio | 16.5025% | 2,467 |
| Total risk-based capital ratio | 17.5974% | 2,479 |
| Memoranda: | ||
| Average total assets | $39,054,330 | 7,027 |
| Average earning assets | $35,308,330 | 7,028 |
| Average equity | $5,038,330 | 6,768 |
| Average total loans | $22,335,330 | 6,946 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 3,776 |
| Cost of funding earning assets | 1.3467% | 4,523 |
| Net interest margin | 3.9056% | 3,301 |
| Noninterest income to average assets | 0.6700% | 2,809 |
| Noninterest expense to average assets | 3.1572% | 3,021 |
| Loan and lease loss provision to assets | 0.2741% | 3,835 |
| Net operating income to assets | 0.7817% | 3,049 |
| Return on assets (ROA) | 0.7817% | 3,163 |
| Pretax return on assets | 0.7715% | 3,984 |
| Return on Equity (ROE) | 6.1306% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.8217% | 3,847 |
| Net charge-offs to loans | 0.1798% | 3,844 |
| Credit loss provision to net charge-offs | 270.0000% | 1,468 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 1,756 |
| Efficiency ratio | 75.1208% | 3,377 |
| Assets per employee ($millions) | 3.0759% | 6,055 |
| Cash dividends to net income (ytd only)* | 37.6623% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,935 |
| Loan loss allowance to noncurrent loans | 105.3061% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 5,987 |
| Noncurrent loans to loans | 1.0594% | 5,224 |
| Net loans and leases to total assets | 57.1911% | 5,569 |
| Net loans and leases to deposits | 66.1987% | 5,800 |
| Net loans and leases to core deposits | 68.3575% | 6,068 |
| Total domestic deposits to total assets | 86.3931% | 2,943 |
| Equity capital to assets | 12.6241% | 1,695 |
| Core capital (leverage) ratio | 11.2014% | 2,091 |
| Tier 1 risk-based capital ratio | 15.7313% | 2,761 |
| Total risk-based capital ratio | 16.6715% | 2,854 |
| Memoranda: | ||
| Average total assets | $39,402,000 | 7,105 |
| Average earning assets | $35,641,500 | 7,102 |
| Average equity | $5,024,000 | 6,832 |
| Average total loans | $22,249,000 | 7,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7158% | 3,029 |
| Cost of funding earning assets | 1.5429% | 5,324 |
| Net interest margin | 4.1729% | 2,161 |
| Noninterest income to average assets | 0.7831% | 2,489 |
| Noninterest expense to average assets | 3.5095% | 2,350 |
| Loan and lease loss provision to assets | 0.1661% | 6,027 |
| Net operating income to assets | 0.9281% | 2,084 |
| Return on assets (ROA) | 0.9281% | 2,145 |
| Pretax return on assets | 0.9229% | 2,853 |
| Return on Equity (ROE) | 7.1431% | 2,740 |
| Retained earnings to average equity (ytd only) | 3.8963% | 2,484 |
| Net charge-offs to loans | 0.2848% | 4,850 |
| Credit loss provision to net charge-offs | 105.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | 6.8833% | 2,268 |
| Efficiency ratio | 76.3188% | 3,475 |
| Assets per employee ($millions) | 2.9859% | 6,255 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,791 |
| Loan loss allowance to noncurrent loans | 130.4348% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 6,268 |
| Noncurrent loans to loans | 0.8610% | 5,576 |
| Net loans and leases to total assets | 54.4375% | 6,148 |
| Net loans and leases to deposits | 62.8076% | 6,383 |
| Net loans and leases to core deposits | 75.6651% | 6,425 |
| Total domestic deposits to total assets | 86.6734% | 2,665 |
| Equity capital to assets | 12.8810% | 1,558 |
| Core capital (leverage) ratio | 11.3815% | 1,981 |
| Tier 1 risk-based capital ratio | 16.3551% | 2,375 |
| Total risk-based capital ratio | 17.2765% | 2,445 |
| Memoranda: | ||
| Average total assets | $37,925,800 | 7,173 |
| Average earning assets | $34,676,000 | 7,154 |
| Average equity | $4,927,800 | 6,967 |
| Average total loans | $21,066,600 | 7,135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 2,811 |
| Cost of funding earning assets | 1.5917% | 5,440 |
| Net interest margin | 4.2265% | 1,953 |
| Noninterest income to average assets | 0.8664% | 2,120 |
| Noninterest expense to average assets | 3.4691% | 2,358 |
| Loan and lease loss provision to assets | 0.1980% | 5,406 |
| Net operating income to assets | 1.1352% | 1,620 |
| Return on assets (ROA) | 1.1352% | 1,693 |
| Pretax return on assets | 1.0680% | 2,679 |
| Return on Equity (ROE) | 8.7171% | 2,367 |
| Retained earnings to average equity (ytd only) | 5.4583% | 2,224 |
| Net charge-offs to loans | 0.3557% | 3,868 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 6.3932% | 2,615 |
| Efficiency ratio | 73.2636% | 4,003 |
| Assets per employee ($millions) | 2.8728% | 6,471 |
| Cash dividends to net income (ytd only)* | 37.3841% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,917 |
| Loan loss allowance to noncurrent loans | 115.6098% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 6,087 |
| Noncurrent loans to loans | 0.9238% | 5,442 |
| Net loans and leases to total assets | 58.7881% | 5,767 |
| Net loans and leases to deposits | 68.5644% | 6,080 |
| Net loans and leases to core deposits | 82.0564% | 6,181 |
| Total domestic deposits to total assets | 85.7414% | 2,838 |
| Equity capital to assets | 13.5838% | 1,460 |
| Core capital (leverage) ratio | 11.6831% | 1,973 |
| Tier 1 risk-based capital ratio | 16.1552% | 2,575 |
| Total risk-based capital ratio | 17.0520% | 2,636 |
| Memoranda: | ||
| Average total assets | $37,703,000 | 7,243 |
| Average earning assets | $34,511,500 | 7,227 |
| Average equity | $4,909,750 | 7,036 |
| Average total loans | $20,990,500 | 7,201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8029% | 3,031 |
| Cost of funding earning assets | 1.6398% | 5,560 |
| Net interest margin | 4.1631% | 2,114 |
| Noninterest income to average assets | 0.7350% | 2,790 |
| Noninterest expense to average assets | 3.4900% | 2,366 |
| Loan and lease loss provision to assets | 0.1586% | 5,483 |
| Net operating income to assets | 0.9677% | 2,214 |
| Return on assets (ROA) | 0.9677% | 2,321 |
| Pretax return on assets | 0.8989% | 3,343 |
| Return on Equity (ROE) | 7.5381% | 2,954 |
| Retained earnings to average equity (ytd only) | 4.4075% | 2,844 |
| Net charge-offs to loans | 0.2817% | 3,782 |
| Credit loss provision to net charge-offs | 103.4483% | 4,435 |
| Earnings coverage of net charge-offs (x) | 6.8966% | 2,532 |
| Efficiency ratio | 76.7442% | 3,559 |
| Assets per employee ($millions) | 2.7020% | 6,828 |
| Cash dividends to net income (ytd only)* | 41.5301% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,494 |
| Loan loss allowance to noncurrent loans | 126.7380% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 6,203 |
| Noncurrent loans to loans | 0.8793% | 5,455 |
| Net loans and leases to total assets | 55.5911% | 6,256 |
| Net loans and leases to deposits | 64.3955% | 6,526 |
| Net loans and leases to core deposits | 77.0519% | 6,607 |
| Total domestic deposits to total assets | 86.3276% | 2,609 |
| Equity capital to assets | 13.0062% | 1,688 |
| Core capital (leverage) ratio | 11.2649% | 2,217 |
| Tier 1 risk-based capital ratio | 16.1053% | 2,589 |
| Total risk-based capital ratio | 17.0197% | 2,642 |
| Memoranda: | ||
| Average total assets | $37,822,000 | 7,299 |
| Average earning assets | $34,638,000 | 7,285 |
| Average equity | $4,855,330 | 7,124 |
| Average total loans | $20,590,000 | 7,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 3,534 |
| Cost of funding earning assets | 1.6984% | 5,605 |
| Net interest margin | 4.0510% | 2,449 |
| Noninterest income to average assets | 0.9307% | 1,734 |
| Noninterest expense to average assets | 3.3845% | 2,401 |
| Loan and lease loss provision to assets | 0.1904% | 4,531 |
| Net operating income to assets | 1.2163% | 1,614 |
| Return on assets (ROA) | 1.2163% | 1,719 |
| Pretax return on assets | 1.0894% | 3,027 |
| Return on Equity (ROE) | 9.5376% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.4738% | 2,871 |
| Net charge-offs to loans | 0.3950% | 2,514 |
| Credit loss provision to net charge-offs | 90.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.0500% | 2,556 |
| Efficiency ratio | 72.5624% | 4,094 |
| Assets per employee ($millions) | 2.8886% | 6,440 |
| Cash dividends to net income (ytd only)* | 42.6087% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,256 |
| Loan loss allowance to noncurrent loans | 95.1417% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 5,520 |
| Noncurrent loans to loans | 1.1888% | 4,594 |
| Net loans and leases to total assets | 54.7055% | 6,391 |
| Net loans and leases to deposits | 63.3769% | 6,614 |
| Net loans and leases to core deposits | 76.8164% | 6,623 |
| Total domestic deposits to total assets | 86.3176% | 2,544 |
| Equity capital to assets | 12.9314% | 1,781 |
| Core capital (leverage) ratio | 11.1413% | 2,384 |
| Tier 1 risk-based capital ratio | 16.2140% | 2,606 |
| Total risk-based capital ratio | 17.1350% | 2,672 |
| Memoranda: | ||
| Average total assets | $37,819,000 | 7,339 |
| Average earning assets | $34,855,500 | 7,310 |
| Average equity | $4,823,000 | 7,179 |
| Average total loans | $20,252,000 | 7,347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4494% | 3,189 |
| Cost of funding earning assets | 2.3190% | 5,062 |
| Net interest margin | 4.1304% | 2,580 |
| Noninterest income to average assets | 0.6877% | 3,203 |
| Noninterest expense to average assets | 3.2613% | 3,106 |
| Loan and lease loss provision to assets | 0.2515% | 4,406 |
| Net operating income to assets | 1.3702% | 1,299 |
| Return on assets (ROA) | 1.3702% | 1,251 |
| Pretax return on assets | 0.9545% | 3,542 |
| Return on Equity (ROE) | 11.4264% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.7189% | 1,258 |
| Net charge-offs to loans | 0.6277% | 1,958 |
| Credit loss provision to net charge-offs | 73.6842% | 6,017 |
| Earnings coverage of net charge-offs (x) | 3.5338% | 4,325 |
| Efficiency ratio | 73.0040% | 3,749 |
| Assets per employee ($millions) | 2.9297% | 6,222 |
| Cash dividends to net income (ytd only)* | 41.1985% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 4,564 |
| Loan loss allowance to noncurrent loans | 157.3333% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,049 |
| Noncurrent loans to loans | 0.7604% | 5,136 |
| Net loans and leases to total assets | 51.1737% | 6,922 |
| Net loans and leases to deposits | 59.0409% | 7,148 |
| Net loans and leases to core deposits | 70.3229% | 7,169 |
| Total domestic deposits to total assets | 86.6749% | 2,104 |
| Equity capital to assets | 12.5768% | 1,977 |
| Core capital (leverage) ratio | 11.9708% | 1,980 |
| Tier 1 risk-based capital ratio | 16.5230% | 2,479 |
| Total risk-based capital ratio | 17.4827% | 2,508 |
| Memoranda: | ||
| Average total assets | $38,972,200 | 7,262 |
| Average earning assets | $35,662,000 | 7,256 |
| Average equity | $4,673,400 | 7,266 |
| Average total loans | $21,189,800 | 7,251 |