Home > The First National Bank of Aspermont > Performance and Condition Ratios
The First National Bank of Aspermont, 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 | 3.4757% | 4,401 |
| Cost of funding earning assets | 0.8324% | 3,656 |
| Net interest margin | 2.6433% | 3,911 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.2376% | 3,019 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7844% | 2,918 |
| Return on assets (ROA) | 0.7730% | 2,944 |
| Pretax return on assets | 0.7730% | 3,275 |
| Return on Equity (ROE) | 121.8600% | 11 |
| Retained earnings to average equity (ytd only) | 62.0514% | 13 |
| Net charge-offs to loans | 0.0475% | 1,396 |
| Credit loss provision to net charge-offs | 166.6667% | 1,370 |
| Earnings coverage of net charge-offs (x) | 56.8000% | 1,220 |
| Efficiency ratio | 73.4662% | 1,511 |
| Assets per employee ($millions) | 7.2496% | 1,905 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,335 |
| Loan loss allowance to noncurrent loans | 556.0976% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,045 |
| Noncurrent loans to loans | 0.2544% | 2,274 |
| Net loans and leases to total assets | 29.2200% | 4,312 |
| Net loans and leases to deposits | 31.0789% | 4,346 |
| Net loans and leases to core deposits | 34.6350% | 4,355 |
| Total domestic deposits to total assets | 94.0300% | 108 |
| Equity capital to assets | 1.9468% | 4,568 |
| Core capital (leverage) ratio | 10.4455% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $105,426,800 | 3,776 |
| Average earning assets | $99,347,200 | 3,749 |
| Average equity | $668,800 | 4,529 |
| Average total loans | $31,596,800 | 4,120 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 4,414 |
| Cost of funding earning assets | 0.6800% | 3,813 |
| Net interest margin | 2.7266% | 3,843 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.2664% | 2,900 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8489% | 2,865 |
| Return on assets (ROA) | 0.8337% | 2,904 |
| Pretax return on assets | 0.8337% | 3,257 |
| Return on Equity (ROE) | 284.2600% | 5 |
| Retained earnings to average equity (ytd only) | 175.6001% | 7 |
| Net charge-offs to loans | 0.0636% | 1,026 |
| Credit loss provision to net charge-offs | 66.6667% | 1,824 |
| Earnings coverage of net charge-offs (x) | 45.0667% | 1,372 |
| Efficiency ratio | 72.4531% | 1,521 |
| Assets per employee ($millions) | 6.4258% | 2,377 |
| Cash dividends to net income (ytd only)* | 38.2263% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,699 |
| Loan loss allowance to noncurrent loans | 1,262.8571% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,460 |
| Noncurrent loans to loans | 0.1061% | 3,041 |
| Net loans and leases to total assets | 31.6500% | 4,288 |
| Net loans and leases to deposits | 33.5260% | 4,338 |
| Net loans and leases to core deposits | 37.6284% | 4,301 |
| Total domestic deposits to total assets | 94.4000% | 153 |
| Equity capital to assets | -0.6419% | 4,618 |
| Core capital (leverage) ratio | 10.5938% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,597,500 | 3,800 |
| Average earning assets | $98,435,000 | 3,776 |
| Average equity | $306,750 | 4,557 |
| Average total loans | $31,437,000 | 4,140 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 4,452 |
| Cost of funding earning assets | 0.4943% | 3,993 |
| Net interest margin | 2.8285% | 3,780 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.2416% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9849% | 2,467 |
| Return on assets (ROA) | 0.9620% | 2,532 |
| Pretax return on assets | 0.9620% | 3,011 |
| Return on Equity (ROE) | 160.8900% | 14 |
| Retained earnings to average equity (ytd only) | 81.3990% | 14 |
| Net charge-offs to loans | 0.0388% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 1,010 |
| Efficiency ratio | 69.4755% | 1,813 |
| Assets per employee ($millions) | 6.1183% | 2,609 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,719 |
| Loan loss allowance to noncurrent loans | 647.0588% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,115 |
| Noncurrent loans to loans | 0.2085% | 2,428 |
| Net loans and leases to total assets | 30.9300% | 4,309 |
| Net loans and leases to deposits | 32.7085% | 4,361 |
| Net loans and leases to core deposits | 36.1217% | 4,323 |
| Total domestic deposits to total assets | 94.5700% | 116 |
| Equity capital to assets | 0.3740% | 4,632 |
| Core capital (leverage) ratio | 10.5179% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,192,333 | 3,811 |
| Average earning assets | $99,135,333 | 3,785 |
| Average equity | $629,000 | 4,584 |
| Average total loans | $30,922,667 | 4,156 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 4,407 |
| Cost of funding earning assets | 0.3047% | 4,187 |
| Net interest margin | 3.0465% | 3,474 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.1932% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2176% | 1,889 |
| Return on assets (ROA) | 1.1722% | 1,981 |
| Pretax return on assets | 1.1722% | 2,509 |
| Return on Equity (ROE) | 165.5500% | 12 |
| Retained earnings to average equity (ytd only) | 165.5541% | 8 |
| Net charge-offs to loans | 0.0798% | 669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 1,076 |
| Efficiency ratio | 64.3016% | 2,417 |
| Assets per employee ($millions) | 6.0928% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,393 |
| Loan loss allowance to noncurrent loans | 558.2278% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,038 |
| Noncurrent loans to loans | 0.2618% | 2,210 |
| Net loans and leases to total assets | 28.7100% | 4,392 |
| Net loans and leases to deposits | 29.0748% | 4,460 |
| Net loans and leases to core deposits | 30.7403% | 4,451 |
| Total domestic deposits to total assets | 98.7400% | 11 |
| Equity capital to assets | 1.0919% | 4,654 |
| Core capital (leverage) ratio | 9.9751% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $105,783,000 | 3,859 |
| Average earning assets | $99,786,000 | 3,825 |
| Average equity | $749,000 | 4,653 |
| Average total loans | $30,077,000 | 4,222 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6156% | 4,455 |
| Cost of funding earning assets | 0.1810% | 3,901 |
| Net interest margin | 2.4347% | 4,340 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.0766% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7603% | 3,454 |
| Return on assets (ROA) | 0.7603% | 3,394 |
| Pretax return on assets | 0.7603% | 3,717 |
| Return on Equity (ROE) | 25.2400% | 202 |
| Retained earnings to average equity (ytd only) | 12.8515% | 531 |
| Net charge-offs to loans | 0.0039% | 2,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 815.0000% | 227 |
| Efficiency ratio | 73.1996% | 1,299 |
| Assets per employee ($millions) | 6.3523% | 2,463 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,230 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.3500% | 4,452 |
| Net loans and leases to deposits | 27.4590% | 4,507 |
| Net loans and leases to core deposits | 28.5369% | 4,503 |
| Total domestic deposits to total assets | 99.5900% | 15 |
| Equity capital to assets | 0.3398% | 4,684 |
| Core capital (leverage) ratio | 9.9286% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $107,193,000 | 3,858 |
| Average earning assets | $101,122,600 | 3,828 |
| Average equity | $3,229,200 | 4,593 |
| Average total loans | $25,876,800 | 4,307 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4838% | 4,455 |
| Cost of funding earning assets | 0.1665% | 3,664 |
| Net interest margin | 2.3173% | 4,394 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0100% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6929% | 3,583 |
| Return on assets (ROA) | 0.6929% | 3,545 |
| Pretax return on assets | 0.6929% | 3,814 |
| Return on Equity (ROE) | 18.7900% | 545 |
| Retained earnings to average equity (ytd only) | 13.7225% | 506 |
| Net charge-offs to loans | 0.0107% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 502 |
| Efficiency ratio | 74.3661% | 1,238 |
| Assets per employee ($millions) | 6.1049% | 2,669 |
| Cash dividends to net income (ytd only)* | 26.9784% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,207 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.5700% | 4,468 |
| Net loans and leases to deposits | 27.4368% | 4,547 |
| Net loans and leases to core deposits | 28.6683% | 4,526 |
| Total domestic deposits to total assets | 100.4800% | 13 |
| Equity capital to assets | -0.6051% | 4,742 |
| Core capital (leverage) ratio | 9.9015% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $106,994,000 | 3,884 |
| Average earning assets | $100,917,750 | 3,856 |
| Average equity | $3,944,750 | 4,582 |
| Average total loans | $24,851,750 | 4,364 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3579% | 4,486 |
| Cost of funding earning assets | 0.1667% | 3,360 |
| Net interest margin | 2.1912% | 4,443 |
| Noninterest income to average assets | 0.4960% | 2,226 |
| Noninterest expense to average assets | 2.0081% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5552% | 3,749 |
| Return on assets (ROA) | 0.5552% | 3,699 |
| Pretax return on assets | 0.5552% | 3,913 |
| Return on Equity (ROE) | 10.9709% | 1,984 |
| Retained earnings to average equity (ytd only) | 5.4855% | 2,521 |
| Net charge-offs to loans | 0.0171% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 647 |
| Efficiency ratio | 78.3394% | 1,066 |
| Assets per employee ($millions) | 6.0412% | 2,702 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 23.1439% | 4,610 |
| Net loans and leases to deposits | 23.2510% | 4,651 |
| Net loans and leases to core deposits | 24.5246% | 4,639 |
| Total domestic deposits to total assets | 99.5394% | 6 |
| Equity capital to assets | 0.3544% | 4,761 |
| Core capital (leverage) ratio | 9.6876% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,064,000 | 3,912 |
| Average earning assets | $101,953,667 | 3,895 |
| Average equity | $5,469,000 | 4,469 |
| Average total loans | $23,449,333 | 4,442 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2669% | 4,480 |
| Cost of funding earning assets | 0.1606% | 3,360 |
| Net interest margin | 2.1064% | 4,440 |
| Noninterest income to average assets | 0.4659% | 2,323 |
| Noninterest expense to average assets | 1.8276% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6285% | 3,306 |
| Return on assets (ROA) | 0.6285% | 3,286 |
| Pretax return on assets | 0.6285% | 3,558 |
| Return on Equity (ROE) | 8.6767% | 2,449 |
| Retained earnings to average equity (ytd only) | 8.6767% | 1,376 |
| Net charge-offs to loans | 0.0347% | 954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 716 |
| Efficiency ratio | 74.4118% | 1,696 |
| Assets per employee ($millions) | 6.6841% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 21.8344% | 4,648 |
| Net loans and leases to deposits | 23.0477% | 4,671 |
| Net loans and leases to core deposits | 24.3954% | 4,660 |
| Total domestic deposits to total assets | 94.7357% | 57 |
| Equity capital to assets | 5.2157% | 4,699 |
| Core capital (leverage) ratio | 9.0795% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,745,500 | 3,907 |
| Average earning assets | $104,634,000 | 3,877 |
| Average equity | $8,021,500 | 4,268 |
| Average total loans | $23,067,000 | 4,464 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3093% | 4,583 |
| Cost of funding earning assets | 0.1548% | 3,917 |
| Net interest margin | 2.1546% | 4,511 |
| Noninterest income to average assets | 0.6761% | 1,848 |
| Noninterest expense to average assets | 1.9781% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7421% | 3,512 |
| Return on assets (ROA) | 0.7956% | 3,415 |
| Pretax return on assets | 0.7956% | 3,735 |
| Return on Equity (ROE) | 6.1274% | 3,750 |
| Retained earnings to average equity (ytd only) | 0.8678% | 4,294 |
| Net charge-offs to loans | 0.0204% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 620 |
| Efficiency ratio | 72.7197% | 1,433 |
| Assets per employee ($millions) | 7.6363% | 1,532 |
| Cash dividends to net income (ytd only)* | 85.8369% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 19.1121% | 4,726 |
| Net loans and leases to deposits | 21.0451% | 4,737 |
| Net loans and leases to core deposits | 22.2392% | 4,728 |
| Total domestic deposits to total assets | 90.8150% | 577 |
| Equity capital to assets | 9.1361% | 3,475 |
| Core capital (leverage) ratio | 8.8536% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,860,600 | 4,117 |
| Average earning assets | $83,357,200 | 4,089 |
| Average equity | $11,407,800 | 3,990 |
| Average total loans | $19,632,400 | 4,576 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3520% | 4,653 |
| Cost of funding earning assets | 0.1506% | 4,103 |
| Net interest margin | 2.2014% | 4,572 |
| Noninterest income to average assets | 0.6864% | 1,871 |
| Noninterest expense to average assets | 1.9066% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8687% | 3,327 |
| Return on assets (ROA) | 0.9295% | 3,228 |
| Pretax return on assets | 0.9295% | 3,632 |
| Return on Equity (ROE) | 6.4813% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.0460% | 3,893 |
| Net charge-offs to loans | 0.0352% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 847 |
| Efficiency ratio | 68.6982% | 1,734 |
| Assets per employee ($millions) | 7.2576% | 1,706 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 19.2616% | 4,806 |
| Net loans and leases to deposits | 21.5691% | 4,812 |
| Net loans and leases to core deposits | 22.7827% | 4,805 |
| Total domestic deposits to total assets | 89.3022% | 1,121 |
| Equity capital to assets | 10.6289% | 2,339 |
| Core capital (leverage) ratio | 10.1032% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,189,500 | 4,247 |
| Average earning assets | $77,039,250 | 4,219 |
| Average equity | $11,643,500 | 4,023 |
| Average total loans | $18,955,750 | 4,651 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4872% | 4,624 |
| Cost of funding earning assets | 0.1494% | 4,211 |
| Net interest margin | 2.3378% | 4,480 |
| Noninterest income to average assets | 0.8893% | 1,301 |
| Noninterest expense to average assets | 1.8565% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2506% | 2,020 |
| Return on assets (ROA) | 1.3534% | 1,779 |
| Pretax return on assets | 1.3534% | 2,466 |
| Return on Equity (ROE) | 8.3479% | 3,303 |
| Retained earnings to average equity (ytd only) | 3.2054% | 3,776 |
| Net charge-offs to loans | -0.0221% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7496% | 3,048 |
| Assets per employee ($millions) | 8.7466% | 934 |
| Cash dividends to net income (ytd only)* | 61.6016% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3148% | 352 |
| Loan loss allowance to noncurrent loans | 45,300.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,332 |
| Noncurrent loans to loans | 0.0051% | 4,228 |
| Net loans and leases to total assets | 27.3205% | 4,721 |
| Net loans and leases to deposits | 33.1409% | 4,702 |
| Net loans and leases to core deposits | 36.1121% | 4,669 |
| Total domestic deposits to total assets | 82.4375% | 3,834 |
| Equity capital to assets | 16.6264% | 361 |
| Core capital (leverage) ratio | 14.6827% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,964,667 | 4,398 |
| Average earning assets | $68,269,333 | 4,364 |
| Average equity | $11,667,667 | 4,028 |
| Average total loans | $18,136,000 | 4,698 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4748% | 4,661 |
| Cost of funding earning assets | 0.1446% | 4,344 |
| Net interest margin | 2.3303% | 4,488 |
| Noninterest income to average assets | 0.5866% | 2,263 |
| Noninterest expense to average assets | 1.5406% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2555% | 1,961 |
| Return on assets (ROA) | 1.4583% | 1,490 |
| Pretax return on assets | 1.4583% | 2,110 |
| Return on Equity (ROE) | 9.1061% | 3,000 |
| Retained earnings to average equity (ytd only) | 9.1061% | 1,918 |
| Net charge-offs to loans | -0.0230% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0980% | 3,654 |
| Assets per employee ($millions) | 9.0218% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6473% | 216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 23.0305% | 4,825 |
| Net loans and leases to deposits | 27.3330% | 4,823 |
| Net loans and leases to core deposits | 29.5271% | 4,820 |
| Total domestic deposits to total assets | 84.2589% | 3,354 |
| Equity capital to assets | 15.6885% | 423 |
| Core capital (leverage) ratio | 14.5364% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,960,500 | 4,396 |
| Average earning assets | $69,176,000 | 4,369 |
| Average equity | $11,684,500 | 4,034 |
| Average total loans | $17,419,000 | 4,737 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8195% | 4,741 |
| Cost of funding earning assets | 0.2484% | 4,380 |
| Net interest margin | 2.5711% | 4,529 |
| Noninterest income to average assets | 0.4635% | 2,799 |
| Noninterest expense to average assets | 1.7690% | 4,519 |
| Loan and lease loss provision to assets | -0.0757% | 4,949 |
| Net operating income to assets | 1.1844% | 1,600 |
| Return on assets (ROA) | 1.1996% | 1,659 |
| Pretax return on assets | 1.1996% | 2,325 |
| Return on Equity (ROE) | 6.8145% | 3,276 |
| Retained earnings to average equity (ytd only) | -0.0688% | 4,527 |
| Net charge-offs to loans | -0.2890% | 4,918 |
| Credit loss provision to net charge-offs | 102.0408% | 2,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4737% | 3,225 |
| Assets per employee ($millions) | 8.1941% | 972 |
| Cash dividends to net income (ytd only)* | 101.0101% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5388% | 250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 23.4762% | 4,859 |
| Net loans and leases to deposits | 28.1975% | 4,855 |
| Net loans and leases to core deposits | 30.4426% | 4,846 |
| Total domestic deposits to total assets | 83.2563% | 3,341 |
| Equity capital to assets | 16.3342% | 399 |
| Core capital (leverage) ratio | 14.2834% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,024,600 | 4,430 |
| Average earning assets | $61,997,600 | 4,418 |
| Average equity | $11,622,200 | 4,013 |
| Average total loans | $16,954,000 | 4,772 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9224% | 4,784 |
| Cost of funding earning assets | 0.2754% | 4,412 |
| Net interest margin | 2.6470% | 4,531 |
| Noninterest income to average assets | 0.4493% | 2,853 |
| Noninterest expense to average assets | 1.6829% | 4,646 |
| Loan and lease loss provision to assets | -0.1045% | 4,999 |
| Net operating income to assets | 1.3501% | 1,231 |
| Return on assets (ROA) | 1.3709% | 1,274 |
| Pretax return on assets | 1.3709% | 1,822 |
| Return on Equity (ROE) | 7.6296% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.1563% | 2,965 |
| Net charge-offs to loans | -0.3820% | 4,960 |
| Credit loss provision to net charge-offs | 104.1667% | 2,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4574% | 3,744 |
| Assets per employee ($millions) | 7.7519% | 1,099 |
| Cash dividends to net income (ytd only)* | 45.5235% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4348% | 251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 25.8460% | 4,882 |
| Net loans and leases to deposits | 31.5272% | 4,886 |
| Net loans and leases to core deposits | 34.2306% | 4,869 |
| Total domestic deposits to total assets | 81.9800% | 3,425 |
| Equity capital to assets | 17.6573% | 326 |
| Core capital (leverage) ratio | 14.7414% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,094,000 | 4,470 |
| Average earning assets | $60,040,500 | 4,457 |
| Average equity | $11,516,250 | 4,031 |
| Average total loans | $16,751,500 | 4,805 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0184% | 4,835 |
| Cost of funding earning assets | 0.3056% | 4,458 |
| Net interest margin | 2.7128% | 4,543 |
| Noninterest income to average assets | 0.5241% | 2,466 |
| Noninterest expense to average assets | 1.7748% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2893% | 1,388 |
| Return on assets (ROA) | 1.3215% | 1,403 |
| Pretax return on assets | 1.3215% | 1,958 |
| Return on Equity (ROE) | 7.3075% | 3,005 |
| Retained earnings to average equity (ytd only) | 1.9736% | 3,768 |
| Net charge-offs to loans | -0.0247% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9224% | 3,703 |
| Assets per employee ($millions) | 7.4748% | 1,194 |
| Cash dividends to net income (ytd only)* | 72.9927% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4348% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 27.0421% | 4,901 |
| Net loans and leases to deposits | 32.9918% | 4,904 |
| Net loans and leases to core deposits | 36.0981% | 4,881 |
| Total domestic deposits to total assets | 81.9660% | 3,382 |
| Equity capital to assets | 17.8184% | 316 |
| Core capital (leverage) ratio | 16.0877% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,203,000 | 4,507 |
| Average earning assets | $58,243,000 | 4,488 |
| Average equity | $11,248,667 | 4,077 |
| Average total loans | $16,174,667 | 4,843 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1837% | 4,871 |
| Cost of funding earning assets | 0.3593% | 4,488 |
| Net interest margin | 2.8243% | 4,544 |
| Noninterest income to average assets | 0.3218% | 3,593 |
| Noninterest expense to average assets | 1.7162% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2402% | 1,403 |
| Return on assets (ROA) | 1.2804% | 1,393 |
| Pretax return on assets | 1.2804% | 1,929 |
| Return on Equity (ROE) | 7.0224% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.0224% | 1,524 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0499% | 3,993 |
| Assets per employee ($millions) | 6.5459% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9038% | 164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 25.6548% | 4,965 |
| Net loans and leases to deposits | 31.3718% | 4,959 |
| Net loans and leases to core deposits | 34.7992% | 4,937 |
| Total domestic deposits to total assets | 81.7765% | 3,477 |
| Equity capital to assets | 18.1301% | 342 |
| Core capital (leverage) ratio | 17.6021% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,668,000 | 4,561 |
| Average earning assets | $55,659,000 | 4,546 |
| Average equity | $10,879,500 | 4,126 |
| Average total loans | $14,939,000 | 4,905 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 4,995 |
| Cost of funding earning assets | 0.3745% | 4,522 |
| Net interest margin | 2.8307% | 4,729 |
| Noninterest income to average assets | 0.3695% | 3,492 |
| Noninterest expense to average assets | 1.6936% | 4,875 |
| Loan and lease loss provision to assets | -0.0393% | 4,995 |
| Net operating income to assets | 1.3775% | 1,426 |
| Return on assets (ROA) | 1.4215% | 1,345 |
| Pretax return on assets | 1.4215% | 2,079 |
| Return on Equity (ROE) | 8.3965% | 2,993 |
| Retained earnings to average equity (ytd only) | -0.4273% | 4,756 |
| Net charge-offs to loans | 0.0367% | 2,649 |
| Credit loss provision to net charge-offs | -500.0000% | 4,427 |
| Earnings coverage of net charge-offs (x) | 170.2000% | 449 |
| Efficiency ratio | 55.8610% | 4,222 |
| Assets per employee ($millions) | 6.7137% | 1,173 |
| Cash dividends to net income (ytd only)* | 105.0885% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1582% | 109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 22.9383% | 5,048 |
| Net loans and leases to deposits | 28.1724% | 5,048 |
| Net loans and leases to core deposits | 30.8178% | 5,043 |
| Total domestic deposits to total assets | 81.4210% | 3,674 |
| Equity capital to assets | 18.3341% | 343 |
| Core capital (leverage) ratio | 17.0014% | 413 |
| Tier 1 risk-based capital ratio | 48.1375% | 147 |
| Total risk-based capital ratio | 49.3961% | 143 |
| Memoranda: | ||
| Average total assets | $63,593,200 | 4,534 |
| Average earning assets | $59,808,600 | 4,517 |
| Average equity | $10,766,400 | 4,152 |
| Average total loans | $13,620,600 | 4,990 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1923% | 5,095 |
| Cost of funding earning assets | 0.3796% | 4,563 |
| Net interest margin | 2.8127% | 4,845 |
| Noninterest income to average assets | 0.3148% | 3,870 |
| Noninterest expense to average assets | 1.5407% | 5,047 |
| Loan and lease loss provision to assets | -0.0518% | 5,126 |
| Net operating income to assets | 1.4806% | 1,241 |
| Return on assets (ROA) | 1.5386% | 1,143 |
| Pretax return on assets | 1.5386% | 1,842 |
| Return on Equity (ROE) | 9.2683% | 2,773 |
| Retained earnings to average equity (ytd only) | 4.2786% | 3,258 |
| Net charge-offs to loans | 0.0892% | 1,576 |
| Credit loss provision to net charge-offs | -277.7778% | 4,222 |
| Earnings coverage of net charge-offs (x) | 76.6650% | 883 |
| Efficiency ratio | 51.8828% | 4,604 |
| Assets per employee ($millions) | 6.7077% | 1,154 |
| Cash dividends to net income (ytd only)* | 53.8359% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3254% | 101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 21.5740% | 5,147 |
| Net loans and leases to deposits | 26.7280% | 5,143 |
| Net loans and leases to core deposits | 29.6364% | 5,134 |
| Total domestic deposits to total assets | 80.7169% | 3,828 |
| Equity capital to assets | 19.0661% | 308 |
| Core capital (leverage) ratio | 17.2449% | 407 |
| Tier 1 risk-based capital ratio | 51.4150% | 126 |
| Total risk-based capital ratio | 52.6727% | 123 |
| Memoranda: | ||
| Average total assets | $64,385,750 | 4,585 |
| Average earning assets | $60,770,000 | 4,557 |
| Average equity | $10,688,500 | 4,203 |
| Average total loans | $13,447,750 | 5,070 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2077% | 5,152 |
| Cost of funding earning assets | 0.3768% | 4,593 |
| Net interest margin | 2.8309% | 4,892 |
| Noninterest income to average assets | 0.3043% | 3,895 |
| Noninterest expense to average assets | 1.4576% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5215% | 1,090 |
| Return on assets (ROA) | 1.5215% | 1,135 |
| Pretax return on assets | 1.5215% | 1,791 |
| Return on Equity (ROE) | 9.6018% | 2,585 |
| Retained earnings to average equity (ytd only) | 1.9204% | 4,138 |
| Net charge-offs to loans | 0.2530% | 665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.4118% | 1,483 |
| Efficiency ratio | 48.9275% | 4,848 |
| Assets per employee ($millions) | 7.0769% | 967 |
| Cash dividends to net income (ytd only)* | 80.0000% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5257% | 83 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 19.9774% | 5,206 |
| Net loans and leases to deposits | 24.2644% | 5,205 |
| Net loans and leases to core deposits | 27.0114% | 5,197 |
| Total domestic deposits to total assets | 82.3322% | 3,430 |
| Equity capital to assets | 17.5187% | 424 |
| Core capital (leverage) ratio | 16.3340% | 504 |
| Tier 1 risk-based capital ratio | 49.6283% | 143 |
| Total risk-based capital ratio | 50.8892% | 139 |
| Memoranda: | ||
| Average total assets | $65,724,670 | 4,594 |
| Average earning assets | $62,099,670 | 4,563 |
| Average equity | $10,414,670 | 4,248 |
| Average total loans | $13,439,670 | 5,118 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 5,203 |
| Cost of funding earning assets | 0.3617% | 4,638 |
| Net interest margin | 2.8682% | 4,916 |
| Noninterest income to average assets | 0.2877% | 3,951 |
| Noninterest expense to average assets | 1.2946% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7021% | 726 |
| Return on assets (ROA) | 1.7021% | 753 |
| Pretax return on assets | 1.7021% | 1,202 |
| Return on Equity (ROE) | 11.3114% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.3285% | 1,913 |
| Net charge-offs to loans | -0.0885% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2000% | 5,126 |
| Assets per employee ($millions) | 8.1989% | 627 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5183% | 84 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 20.2772% | 5,258 |
| Net loans and leases to deposits | 24.1217% | 5,262 |
| Net loans and leases to core deposits | 27.2642% | 5,249 |
| Total domestic deposits to total assets | 84.0618% | 3,030 |
| Equity capital to assets | 15.8558% | 596 |
| Core capital (leverage) ratio | 15.4413% | 604 |
| Tier 1 risk-based capital ratio | 46.7919% | 155 |
| Total risk-based capital ratio | 48.0505% | 154 |
| Memoranda: | ||
| Average total assets | $66,741,000 | 4,625 |
| Average earning assets | $63,035,000 | 4,593 |
| Average equity | $10,043,000 | 4,319 |
| Average total loans | $13,565,000 | 5,176 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9494% | 5,250 |
| Cost of funding earning assets | 0.3080% | 4,534 |
| Net interest margin | 2.6414% | 5,129 |
| Noninterest income to average assets | 0.3312% | 3,892 |
| Noninterest expense to average assets | 1.4674% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3445% | 1,639 |
| Return on assets (ROA) | 1.3295% | 1,676 |
| Pretax return on assets | 1.3295% | 2,402 |
| Return on Equity (ROE) | 9.1366% | 2,927 |
| Retained earnings to average equity (ytd only) | 0.8961% | 4,740 |
| Net charge-offs to loans | -0.1113% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1855% | 4,779 |
| Assets per employee ($millions) | 9.6987% | 373 |
| Cash dividends to net income (ytd only)* | 90.1917% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6118% | 75 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 18.9465% | 5,313 |
| Net loans and leases to deposits | 22.4297% | 5,314 |
| Net loans and leases to core deposits | 25.2186% | 5,301 |
| Total domestic deposits to total assets | 84.4707% | 2,846 |
| Equity capital to assets | 14.2670% | 899 |
| Core capital (leverage) ratio | 15.7673% | 557 |
| Tier 1 risk-based capital ratio | 45.3732% | 172 |
| Total risk-based capital ratio | 46.6325% | 168 |
| Memoranda: | ||
| Average total assets | $66,717,400 | 4,639 |
| Average earning assets | $62,655,800 | 4,616 |
| Average equity | $9,708,200 | 4,346 |
| Average total loans | $11,676,800 | 5,255 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 5,310 |
| Cost of funding earning assets | 0.3080% | 4,465 |
| Net interest margin | 2.6368% | 5,204 |
| Noninterest income to average assets | 0.2810% | 4,267 |
| Noninterest expense to average assets | 1.3770% | 5,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3790% | 1,556 |
| Return on assets (ROA) | 1.3589% | 1,630 |
| Pretax return on assets | 1.3589% | 2,386 |
| Return on Equity (ROE) | 9.2924% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.1746% | 3,132 |
| Net charge-offs to loans | -0.1303% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9636% | 4,945 |
| Assets per employee ($millions) | 8.0745% | 632 |
| Cash dividends to net income (ytd only)* | 44.3133% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4560% | 46 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 15.9329% | 5,403 |
| Net loans and leases to deposits | 18.6808% | 5,405 |
| Net loans and leases to core deposits | 21.2491% | 5,393 |
| Total domestic deposits to total assets | 85.2901% | 2,493 |
| Equity capital to assets | 14.5690% | 812 |
| Core capital (leverage) ratio | 16.4532% | 461 |
| Tier 1 risk-based capital ratio | 51.5678% | 123 |
| Total risk-based capital ratio | 52.8307% | 122 |
| Memoranda: | ||
| Average total assets | $66,424,000 | 4,695 |
| Average earning assets | $62,346,750 | 4,670 |
| Average equity | $9,713,750 | 4,383 |
| Average total loans | $11,259,750 | 5,329 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9039% | 5,370 |
| Cost of funding earning assets | 0.3008% | 4,409 |
| Net interest margin | 2.6030% | 5,273 |
| Noninterest income to average assets | 0.2655% | 4,410 |
| Noninterest expense to average assets | 1.3784% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3396% | 1,639 |
| Return on assets (ROA) | 1.3396% | 1,646 |
| Pretax return on assets | 1.3396% | 2,363 |
| Return on Equity (ROE) | 9.1496% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.0363% | 4,033 |
| Net charge-offs to loans | -0.2276% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7135% | 4,981 |
| Assets per employee ($millions) | 8.1139% | 607 |
| Cash dividends to net income (ytd only)* | 66.8151% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9697% | 61 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 17.9631% | 5,452 |
| Net loans and leases to deposits | 21.2170% | 5,459 |
| Net loans and leases to core deposits | 24.6778% | 5,443 |
| Total domestic deposits to total assets | 84.6636% | 2,814 |
| Equity capital to assets | 14.7356% | 749 |
| Core capital (leverage) ratio | 15.9132% | 512 |
| Tier 1 risk-based capital ratio | 48.7094% | 145 |
| Total risk-based capital ratio | 49.9699% | 144 |
| Memoranda: | ||
| Average total assets | $67,033,330 | 4,737 |
| Average earning assets | $63,157,000 | 4,708 |
| Average equity | $9,814,670 | 4,405 |
| Average total loans | $11,422,330 | 5,386 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8460% | 5,436 |
| Cost of funding earning assets | 0.2989% | 4,359 |
| Net interest margin | 2.5471% | 5,358 |
| Noninterest income to average assets | 0.2467% | 4,523 |
| Noninterest expense to average assets | 1.4039% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2453% | 1,831 |
| Return on assets (ROA) | 1.2453% | 1,841 |
| Pretax return on assets | 1.2453% | 2,579 |
| Return on Equity (ROE) | 8.5316% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.5316% | 1,650 |
| Net charge-offs to loans | -0.4701% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9933% | 4,883 |
| Assets per employee ($millions) | 9.6494% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3655% | 48 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 15.6323% | 5,530 |
| Net loans and leases to deposits | 18.2407% | 5,530 |
| Net loans and leases to core deposits | 21.3602% | 5,515 |
| Total domestic deposits to total assets | 85.7001% | 2,676 |
| Equity capital to assets | 14.2111% | 838 |
| Core capital (leverage) ratio | 15.4630% | 557 |
| Tier 1 risk-based capital ratio | 47.8157% | 147 |
| Total risk-based capital ratio | 49.0729% | 146 |
| Memoranda: | ||
| Average total assets | $68,094,500 | 4,771 |
| Average earning assets | $64,230,500 | 4,744 |
| Average equity | $9,939,500 | 4,436 |
| Average total loans | $11,062,500 | 5,454 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8112% | 5,455 |
| Cost of funding earning assets | 0.3211% | 3,940 |
| Net interest margin | 2.4900% | 5,416 |
| Noninterest income to average assets | 0.3636% | 3,867 |
| Noninterest expense to average assets | 1.5234% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1727% | 1,608 |
| Return on assets (ROA) | 1.1776% | 1,611 |
| Pretax return on assets | 1.1776% | 2,860 |
| Return on Equity (ROE) | 6.9803% | 3,289 |
| Retained earnings to average equity (ytd only) | -0.0763% | 5,038 |
| Net charge-offs to loans | 0.1274% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 56.0769% | 1,000 |
| Efficiency ratio | 56.5036% | 4,714 |
| Assets per employee ($millions) | 8.5804% | 518 |
| Cash dividends to net income (ytd only)* | 101.0929% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2313% | 50 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 15.4641% | 5,600 |
| Net loans and leases to deposits | 18.3854% | 5,601 |
| Net loans and leases to core deposits | 21.4258% | 5,586 |
| Total domestic deposits to total assets | 84.1105% | 3,163 |
| Equity capital to assets | 14.9760% | 683 |
| Core capital (leverage) ratio | 15.9479% | 481 |
| Tier 1 risk-based capital ratio | 46.1580% | 147 |
| Total risk-based capital ratio | 47.4141% | 147 |
| Memoranda: | ||
| Average total assets | $62,162,400 | 4,921 |
| Average earning assets | $58,231,800 | 4,907 |
| Average equity | $10,486,600 | 4,380 |
| Average total loans | $10,205,400 | 5,535 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8410% | 5,506 |
| Cost of funding earning assets | 0.3348% | 3,816 |
| Net interest margin | 2.5062% | 5,465 |
| Noninterest income to average assets | 0.3039% | 4,360 |
| Noninterest expense to average assets | 1.4601% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1848% | 1,758 |
| Return on assets (ROA) | 1.1694% | 1,847 |
| Pretax return on assets | 1.1694% | 3,022 |
| Return on Equity (ROE) | 6.7182% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.1878% | 3,408 |
| Net charge-offs to loans | 0.2003% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 35.8660% | 1,401 |
| Efficiency ratio | 55.2040% | 4,825 |
| Assets per employee ($millions) | 7.5941% | 732 |
| Cash dividends to net income (ytd only)* | 37.6649% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2895% | 53 |
| Loan loss allowance to noncurrent loans | 5,837.5000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,193 |
| Noncurrent loans to loans | 0.0735% | 4,784 |
| Net loans and leases to total assets | 17.1514% | 5,656 |
| Net loans and leases to deposits | 20.9983% | 5,651 |
| Net loans and leases to core deposits | 24.6773% | 5,634 |
| Total domestic deposits to total assets | 81.6799% | 3,871 |
| Equity capital to assets | 18.1933% | 320 |
| Core capital (leverage) ratio | 17.5510% | 335 |
| Tier 1 risk-based capital ratio | 51.3114% | 119 |
| Total risk-based capital ratio | 52.5725% | 118 |
| Memoranda: | ||
| Average total assets | $60,542,250 | 5,005 |
| Average earning assets | $56,551,500 | 4,994 |
| Average equity | $10,538,250 | 4,414 |
| Average total loans | $9,985,750 | 5,600 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8350% | 5,541 |
| Cost of funding earning assets | 0.3398% | 3,692 |
| Net interest margin | 2.4952% | 5,508 |
| Noninterest income to average assets | 0.3175% | 4,274 |
| Noninterest expense to average assets | 1.4585% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1906% | 1,625 |
| Return on assets (ROA) | 1.1840% | 1,685 |
| Pretax return on assets | 1.1840% | 2,832 |
| Return on Equity (ROE) | 6.9068% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.0482% | 3,900 |
| Net charge-offs to loans | 0.1652% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,159 |
| Efficiency ratio | 55.0562% | 4,918 |
| Assets per employee ($millions) | 7.6133% | 706 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4478% | 53 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 16.7192% | 5,704 |
| Net loans and leases to deposits | 20.5013% | 5,703 |
| Net loans and leases to core deposits | 24.6413% | 5,686 |
| Total domestic deposits to total assets | 81.5519% | 4,030 |
| Equity capital to assets | 17.9802% | 325 |
| Core capital (leverage) ratio | 17.3038% | 343 |
| Tier 1 risk-based capital ratio | 51.1838% | 112 |
| Total risk-based capital ratio | 52.4430% | 111 |
| Memoranda: | ||
| Average total assets | $60,472,000 | 5,050 |
| Average earning assets | $56,507,670 | 5,036 |
| Average equity | $10,366,670 | 4,458 |
| Average total loans | $9,685,330 | 5,651 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7947% | 5,601 |
| Cost of funding earning assets | 0.3476% | 3,559 |
| Net interest margin | 2.4472% | 5,584 |
| Noninterest income to average assets | 0.3386% | 4,140 |
| Noninterest expense to average assets | 1.3675% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2613% | 1,344 |
| Return on assets (ROA) | 1.2348% | 1,453 |
| Pretax return on assets | 1.2348% | 2,461 |
| Return on Equity (ROE) | 7.3850% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.3850% | 1,701 |
| Net charge-offs to loans | 0.3044% | 610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.1429% | 1,281 |
| Efficiency ratio | 52.0202% | 5,265 |
| Assets per employee ($millions) | 7.5259% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9671% | 47 |
| Loan loss allowance to noncurrent loans | 15,833.3333% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,354 |
| Noncurrent loans to loans | 0.0314% | 5,086 |
| Net loans and leases to total assets | 15.0946% | 5,784 |
| Net loans and leases to deposits | 18.2157% | 5,779 |
| Net loans and leases to core deposits | 22.0931% | 5,760 |
| Total domestic deposits to total assets | 82.8658% | 3,899 |
| Equity capital to assets | 17.0296% | 383 |
| Core capital (leverage) ratio | 17.3007% | 341 |
| Tier 1 risk-based capital ratio | 55.6458% | 98 |
| Total risk-based capital ratio | 56.9109% | 96 |
| Memoranda: | ||
| Average total assets | $60,255,000 | 5,110 |
| Average earning assets | $56,391,500 | 5,091 |
| Average equity | $10,074,500 | 4,532 |
| Average total loans | $9,199,500 | 5,727 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 5,699 |
| Cost of funding earning assets | 0.3312% | 3,732 |
| Net interest margin | 2.3390% | 5,690 |
| Noninterest income to average assets | 0.3046% | 4,563 |
| Noninterest expense to average assets | 1.4991% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0021% | 2,349 |
| Return on assets (ROA) | 1.1351% | 1,842 |
| Pretax return on assets | 1.1351% | 2,947 |
| Return on Equity (ROE) | 6.3136% | 3,835 |
| Retained earnings to average equity (ytd only) | 0.1605% | 5,253 |
| Net charge-offs to loans | 0.5126% | 481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 13.8889% | 2,335 |
| Efficiency ratio | 59.9359% | 4,594 |
| Assets per employee ($millions) | 7.5379% | 716 |
| Cash dividends to net income (ytd only)* | 97.4576% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4550% | 33 |
| Loan loss allowance to noncurrent loans | 4,016.6667% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,311 |
| Noncurrent loans to loans | 0.1358% | 4,689 |
| Net loans and leases to total assets | 13.8534% | 5,851 |
| Net loans and leases to deposits | 16.7852% | 5,849 |
| Net loans and leases to core deposits | 20.2639% | 5,832 |
| Total domestic deposits to total assets | 82.5332% | 3,927 |
| Equity capital to assets | 16.4105% | 445 |
| Core capital (leverage) ratio | 17.3420% | 331 |
| Tier 1 risk-based capital ratio | 52.9325% | 118 |
| Total risk-based capital ratio | 54.1933% | 118 |
| Memoranda: | ||
| Average total assets | $62,371,800 | 5,084 |
| Average earning assets | $58,571,800 | 5,058 |
| Average equity | $11,213,800 | 4,395 |
| Average total loans | $8,779,000 | 5,791 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7254% | 5,751 |
| Cost of funding earning assets | 0.3328% | 3,751 |
| Net interest margin | 2.3926% | 5,723 |
| Noninterest income to average assets | 0.2544% | 4,937 |
| Noninterest expense to average assets | 1.3823% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1279% | 1,885 |
| Return on assets (ROA) | 1.3039% | 1,372 |
| Pretax return on assets | 1.3039% | 2,415 |
| Return on Equity (ROE) | 7.1035% | 3,506 |
| Retained earnings to average equity (ytd only) | 4.7935% | 2,958 |
| Net charge-offs to loans | 0.2130% | 1,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 37.9925% | 1,279 |
| Efficiency ratio | 55.0676% | 5,152 |
| Assets per employee ($millions) | 7.3245% | 782 |
| Cash dividends to net income (ytd only)* | 32.5203% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9354% | 29 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,457 |
| Noncurrent loans to loans | 0.1041% | 4,922 |
| Net loans and leases to total assets | 13.8747% | 5,916 |
| Net loans and leases to deposits | 17.4146% | 5,917 |
| Net loans and leases to core deposits | 20.7520% | 5,897 |
| Total domestic deposits to total assets | 79.6727% | 4,579 |
| Equity capital to assets | 20.2164% | 222 |
| Core capital (leverage) ratio | 17.3186% | 344 |
| Tier 1 risk-based capital ratio | 57.6454% | 93 |
| Total risk-based capital ratio | 58.9089% | 93 |
| Memoranda: | ||
| Average total assets | $62,889,000 | 5,123 |
| Average earning assets | $59,291,750 | 5,083 |
| Average equity | $11,543,250 | 4,370 |
| Average total loans | $8,764,750 | 5,856 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7438% | 5,825 |
| Cost of funding earning assets | 0.3228% | 3,870 |
| Net interest margin | 2.4210% | 5,798 |
| Noninterest income to average assets | 0.2612% | 4,916 |
| Noninterest expense to average assets | 1.3029% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2438% | 1,449 |
| Return on assets (ROA) | 1.4117% | 1,092 |
| Pretax return on assets | 1.4117% | 1,979 |
| Return on Equity (ROE) | 7.9354% | 3,010 |
| Retained earnings to average equity (ytd only) | 4.4397% | 3,092 |
| Net charge-offs to loans | 0.4088% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 22.2222% | 1,638 |
| Efficiency ratio | 51.1600% | 5,490 |
| Assets per employee ($millions) | 8.1816% | 530 |
| Cash dividends to net income (ytd only)* | 44.0529% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3800% | 38 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 13.6770% | 5,996 |
| Net loans and leases to deposits | 16.7983% | 5,994 |
| Net loans and leases to core deposits | 19.9257% | 5,976 |
| Total domestic deposits to total assets | 81.4187% | 4,157 |
| Equity capital to assets | 18.1520% | 326 |
| Core capital (leverage) ratio | 16.3192% | 429 |
| Tier 1 risk-based capital ratio | 50.3060% | 129 |
| Total risk-based capital ratio | 51.5678% | 128 |
| Memoranda: | ||
| Average total assets | $64,320,000 | 5,139 |
| Average earning assets | $60,718,670 | 5,092 |
| Average equity | $11,442,330 | 4,410 |
| Average total loans | $8,805,330 | 5,932 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8064% | 5,854 |
| Cost of funding earning assets | 0.3309% | 3,830 |
| Net interest margin | 2.4755% | 5,826 |
| Noninterest income to average assets | 0.2572% | 4,893 |
| Noninterest expense to average assets | 1.2674% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3364% | 1,168 |
| Return on assets (ROA) | 1.3866% | 1,122 |
| Pretax return on assets | 1.3866% | 1,940 |
| Return on Equity (ROE) | 7.8767% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.8767% | 1,514 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6747% | 5,693 |
| Assets per employee ($millions) | 9.1877% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2828% | 28 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 12.2228% | 6,063 |
| Net loans and leases to deposits | 14.9029% | 6,058 |
| Net loans and leases to core deposits | 18.0145% | 6,040 |
| Total domestic deposits to total assets | 82.0164% | 4,221 |
| Equity capital to assets | 17.8655% | 337 |
| Core capital (leverage) ratio | 16.2078% | 446 |
| Tier 1 risk-based capital ratio | 47.2281% | 150 |
| Total risk-based capital ratio | 48.4878% | 148 |
| Memoranda: | ||
| Average total assets | $63,753,500 | 5,202 |
| Average earning assets | $60,432,500 | 5,145 |
| Average equity | $11,223,000 | 4,467 |
| Average total loans | $8,477,500 | 5,993 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7509% | 5,915 |
| Cost of funding earning assets | 0.3467% | 3,733 |
| Net interest margin | 2.4042% | 5,891 |
| Noninterest income to average assets | 0.2905% | 4,814 |
| Noninterest expense to average assets | 1.4527% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1132% | 1,863 |
| Return on assets (ROA) | 1.1279% | 1,873 |
| Pretax return on assets | 1.1279% | 2,933 |
| Return on Equity (ROE) | 6.2718% | 3,912 |
| Retained earnings to average equity (ytd only) | 0.3721% | 5,366 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6158% | 5,286 |
| Assets per employee ($millions) | 9.0276% | 380 |
| Cash dividends to net income (ytd only)* | 94.0666% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1515% | 29 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 12.7229% | 6,117 |
| Net loans and leases to deposits | 15.5464% | 6,117 |
| Net loans and leases to core deposits | 19.0219% | 6,101 |
| Total domestic deposits to total assets | 81.8382% | 4,209 |
| Equity capital to assets | 17.3374% | 374 |
| Core capital (leverage) ratio | 16.8281% | 384 |
| Tier 1 risk-based capital ratio | 46.7127% | 149 |
| Total risk-based capital ratio | 47.9717% | 148 |
| Memoranda: | ||
| Average total assets | $61,263,800 | 5,289 |
| Average earning assets | $57,981,600 | 5,238 |
| Average equity | $11,017,600 | 4,478 |
| Average total loans | $9,065,400 | 6,031 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7306% | 6,003 |
| Cost of funding earning assets | 0.3543% | 3,705 |
| Net interest margin | 2.3762% | 5,986 |
| Noninterest income to average assets | 0.2545% | 5,120 |
| Noninterest expense to average assets | 1.3842% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1209% | 1,919 |
| Return on assets (ROA) | 1.1209% | 1,994 |
| Pretax return on assets | 1.1209% | 3,132 |
| Return on Equity (ROE) | 6.1753% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.7584% | 3,798 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2539% | 5,430 |
| Assets per employee ($millions) | 8.6603% | 417 |
| Cash dividends to net income (ytd only)* | 39.1387% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3141% | 51 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 15.4894% | 6,191 |
| Net loans and leases to deposits | 19.0869% | 6,191 |
| Net loans and leases to core deposits | 23.3693% | 6,155 |
| Total domestic deposits to total assets | 81.1521% | 4,436 |
| Equity capital to assets | 18.7407% | 291 |
| Core capital (leverage) ratio | 17.3823% | 344 |
| Tier 1 risk-based capital ratio | 48.1287% | 154 |
| Total risk-based capital ratio | 49.3883% | 152 |
| Memoranda: | ||
| Average total assets | $60,781,500 | 5,375 |
| Average earning assets | $57,568,500 | 5,322 |
| Average equity | $11,033,000 | 4,523 |
| Average total loans | $9,190,000 | 6,110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7141% | 6,074 |
| Cost of funding earning assets | 0.3605% | 3,694 |
| Net interest margin | 2.3536% | 6,069 |
| Noninterest income to average assets | 0.2597% | 5,095 |
| Noninterest expense to average assets | 1.3841% | 6,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1079% | 1,923 |
| Return on assets (ROA) | 1.1079% | 2,009 |
| Pretax return on assets | 1.1079% | 3,136 |
| Return on Equity (ROE) | 6.1701% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.5083% | 4,456 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5409% | 5,470 |
| Assets per employee ($millions) | 8.6191% | 420 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1529% | 31 |
| Loan loss allowance to noncurrent loans | 7,528.5714% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,849 |
| Noncurrent loans to loans | 0.0817% | 5,409 |
| Net loans and leases to total assets | 13.3225% | 6,278 |
| Net loans and leases to deposits | 16.3530% | 6,279 |
| Net loans and leases to core deposits | 20.4597% | 6,249 |
| Total domestic deposits to total assets | 81.4682% | 4,457 |
| Equity capital to assets | 18.0893% | 332 |
| Core capital (leverage) ratio | 16.9201% | 373 |
| Tier 1 risk-based capital ratio | 50.3761% | 145 |
| Total risk-based capital ratio | 51.6443% | 141 |
| Memoranda: | ||
| Average total assets | $60,834,670 | 5,425 |
| Average earning assets | $57,698,330 | 5,375 |
| Average equity | $10,923,670 | 4,573 |
| Average total loans | $8,947,670 | 6,187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7503% | 6,101 |
| Cost of funding earning assets | 0.3662% | 3,683 |
| Net interest margin | 2.3841% | 6,105 |
| Noninterest income to average assets | 0.2619% | 5,080 |
| Noninterest expense to average assets | 1.3620% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1590% | 1,672 |
| Return on assets (ROA) | 1.1590% | 1,778 |
| Pretax return on assets | 1.1590% | 2,842 |
| Return on Equity (ROE) | 6.4785% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.4785% | 2,245 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0260% | 5,677 |
| Assets per employee ($millions) | 7.7570% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9094% | 43 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.5217% | 6,338 |
| Net loans and leases to deposits | 16.5395% | 6,340 |
| Net loans and leases to core deposits | 20.8965% | 6,303 |
| Total domestic deposits to total assets | 81.7536% | 4,587 |
| Equity capital to assets | 18.1513% | 322 |
| Core capital (leverage) ratio | 16.9744% | 360 |
| Tier 1 risk-based capital ratio | 50.1386% | 154 |
| Total risk-based capital ratio | 51.4007% | 152 |
| Memoranda: | ||
| Average total assets | $61,085,000 | 5,480 |
| Average earning assets | $57,884,000 | 5,423 |
| Average equity | $10,928,500 | 4,610 |
| Average total loans | $9,139,000 | 6,248 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8895% | 6,148 |
| Cost of funding earning assets | 0.3580% | 4,162 |
| Net interest margin | 2.5315% | 6,125 |
| Noninterest income to average assets | 0.2624% | 5,257 |
| Noninterest expense to average assets | 1.3554% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2974% | 1,311 |
| Return on assets (ROA) | 1.3361% | 1,269 |
| Pretax return on assets | 1.3361% | 2,125 |
| Return on Equity (ROE) | 8.2164% | 3,010 |
| Retained earnings to average equity (ytd only) | 0.2970% | 5,644 |
| Net charge-offs to loans | -0.0544% | 5,953 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0922% | 6,038 |
| Assets per employee ($millions) | 8.5877% | 417 |
| Cash dividends to net income (ytd only)* | 96.3855% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6303% | 50 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 14.6937% | 6,423 |
| Net loans and leases to deposits | 18.0841% | 6,422 |
| Net loans and leases to core deposits | 22.1985% | 6,388 |
| Total domestic deposits to total assets | 81.2523% | 4,663 |
| Equity capital to assets | 17.6215% | 355 |
| Core capital (leverage) ratio | 17.3732% | 333 |
| Tier 1 risk-based capital ratio | 48.6437% | 143 |
| Total risk-based capital ratio | 49.9080% | 144 |
| Memoranda: | ||
| Average total assets | $62,123,400 | 5,498 |
| Average earning assets | $58,659,800 | 5,438 |
| Average equity | $10,101,800 | 4,732 |
| Average total loans | $9,186,200 | 6,338 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9100% | 6,198 |
| Cost of funding earning assets | 0.3668% | 4,163 |
| Net interest margin | 2.5431% | 6,193 |
| Noninterest income to average assets | 0.2278% | 5,564 |
| Noninterest expense to average assets | 1.2008% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4328% | 1,068 |
| Return on assets (ROA) | 1.4328% | 1,105 |
| Pretax return on assets | 1.4328% | 1,877 |
| Return on Equity (ROE) | 8.9920% | 2,689 |
| Retained earnings to average equity (ytd only) | 6.3198% | 2,205 |
| Net charge-offs to loans | -0.0438% | 5,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5942% | 6,310 |
| Assets per employee ($millions) | 8.2497% | 462 |
| Cash dividends to net income (ytd only)* | 29.7177% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9713% | 50 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 14.3156% | 6,508 |
| Net loans and leases to deposits | 17.5920% | 6,511 |
| Net loans and leases to core deposits | 21.5152% | 6,475 |
| Total domestic deposits to total assets | 81.3760% | 4,705 |
| Equity capital to assets | 18.5115% | 302 |
| Core capital (leverage) ratio | 17.8124% | 310 |
| Tier 1 risk-based capital ratio | 49.1611% | 137 |
| Total risk-based capital ratio | 50.4229% | 137 |
| Memoranda: | ||
| Average total assets | $62,625,750 | 5,547 |
| Average earning assets | $59,243,250 | 5,474 |
| Average equity | $9,979,000 | 4,792 |
| Average total loans | $9,142,750 | 6,408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8647% | 6,284 |
| Cost of funding earning assets | 0.3696% | 4,213 |
| Net interest margin | 2.4951% | 6,283 |
| Noninterest income to average assets | 0.2241% | 5,601 |
| Noninterest expense to average assets | 1.1611% | 6,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4163% | 1,029 |
| Return on assets (ROA) | 1.4163% | 1,069 |
| Pretax return on assets | 1.4163% | 1,834 |
| Return on Equity (ROE) | 9.3410% | 2,443 |
| Retained earnings to average equity (ytd only) | 5.2351% | 2,808 |
| Net charge-offs to loans | -0.0432% | 5,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0483% | 6,389 |
| Assets per employee ($millions) | 8.7481% | 359 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5911% | 62 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 14.4488% | 6,568 |
| Net loans and leases to deposits | 17.4938% | 6,571 |
| Net loans and leases to core deposits | 22.0434% | 6,536 |
| Total domestic deposits to total assets | 82.5939% | 4,450 |
| Equity capital to assets | 16.9832% | 417 |
| Core capital (leverage) ratio | 16.2768% | 440 |
| Tier 1 risk-based capital ratio | 45.4389% | 172 |
| Total risk-based capital ratio | 46.7026% | 169 |
| Memoranda: | ||
| Average total assets | $64,251,670 | 5,556 |
| Average earning assets | $60,599,330 | 5,488 |
| Average equity | $9,742,000 | 4,857 |
| Average total loans | $9,259,670 | 6,471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8318% | 6,375 |
| Cost of funding earning assets | 0.3694% | 4,321 |
| Net interest margin | 2.4624% | 6,361 |
| Noninterest income to average assets | 0.2311% | 5,503 |
| Noninterest expense to average assets | 1.2348% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3078% | 1,192 |
| Return on assets (ROA) | 1.3078% | 1,238 |
| Pretax return on assets | 1.3078% | 2,065 |
| Return on Equity (ROE) | 9.1363% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.1363% | 1,208 |
| Net charge-offs to loans | -0.0869% | 6,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5646% | 6,329 |
| Assets per employee ($millions) | 9.3430% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7837% | 60 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 13.0518% | 6,652 |
| Net loans and leases to deposits | 15.3741% | 6,653 |
| Net loans and leases to core deposits | 19.0859% | 6,625 |
| Total domestic deposits to total assets | 84.8947% | 3,923 |
| Equity capital to assets | 15.0304% | 669 |
| Core capital (leverage) ratio | 16.7938% | 385 |
| Tier 1 risk-based capital ratio | 48.1786% | 149 |
| Total risk-based capital ratio | 49.4399% | 149 |
| Memoranda: | ||
| Average total assets | $65,759,000 | 5,574 |
| Average earning assets | $61,728,000 | 5,516 |
| Average equity | $9,413,000 | 4,956 |
| Average total loans | $9,203,500 | 6,543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0064% | 6,342 |
| Cost of funding earning assets | 0.3583% | 5,064 |
| Net interest margin | 2.6481% | 6,205 |
| Noninterest income to average assets | 1.1608% | 1,047 |
| Noninterest expense to average assets | 1.3809% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.2743% | 218 |
| Return on assets (ROA) | 2.2743% | 224 |
| Pretax return on assets | 2.2743% | 279 |
| Return on Equity (ROE) | 13.4346% | 1,081 |
| Retained earnings to average equity (ytd only) | 0.0963% | 5,810 |
| Net charge-offs to loans | -1.4435% | 6,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7788% | 6,718 |
| Assets per employee ($millions) | 9.4453% | 280 |
| Cash dividends to net income (ytd only)* | 99.2832% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5847% | 62 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 13.3476% | 6,732 |
| Net loans and leases to deposits | 15.6585% | 6,736 |
| Net loans and leases to core deposits | 18.7419% | 6,712 |
| Total domestic deposits to total assets | 85.2413% | 3,620 |
| Equity capital to assets | 13.6062% | 1,033 |
| Core capital (leverage) ratio | 15.4657% | 547 |
| Tier 1 risk-based capital ratio | 42.6382% | 192 |
| Total risk-based capital ratio | 43.8999% | 191 |
| Memoranda: | ||
| Average total assets | $61,337,600 | 5,721 |
| Average earning assets | $57,777,200 | 5,660 |
| Average equity | $10,383,600 | 4,763 |
| Average total loans | $9,352,400 | 6,614 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 6,368 |
| Cost of funding earning assets | 0.3614% | 5,185 |
| Net interest margin | 2.6893% | 6,197 |
| Noninterest income to average assets | 1.4476% | 703 |
| Noninterest expense to average assets | 1.2548% | 6,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.7334% | 138 |
| Return on assets (ROA) | 2.7334% | 142 |
| Pretax return on assets | 2.7334% | 177 |
| Return on Equity (ROE) | 15.3204% | 747 |
| Retained earnings to average equity (ytd only) | 6.7718% | 1,986 |
| Net charge-offs to loans | -1.9244% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4619% | 6,826 |
| Assets per employee ($millions) | 9.3024% | 285 |
| Cash dividends to net income (ytd only)* | 55.7988% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7293% | 67 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 13.1901% | 6,813 |
| Net loans and leases to deposits | 15.5928% | 6,814 |
| Net loans and leases to core deposits | 18.4805% | 6,797 |
| Total domestic deposits to total assets | 84.5908% | 3,933 |
| Equity capital to assets | 15.3017% | 659 |
| Core capital (leverage) ratio | 18.4009% | 272 |
| Tier 1 risk-based capital ratio | 48.8676% | 144 |
| Total risk-based capital ratio | 50.1282% | 141 |
| Memoranda: | ||
| Average total assets | $60,142,750 | 5,815 |
| Average earning assets | $56,817,000 | 5,745 |
| Average equity | $10,730,500 | 4,751 |
| Average total loans | $9,353,750 | 6,686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1461% | 6,295 |
| Cost of funding earning assets | 0.3729% | 5,203 |
| Net interest margin | 2.7732% | 6,056 |
| Noninterest income to average assets | 2.1065% | 413 |
| Noninterest expense to average assets | 1.2926% | 6,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 3.4334% | 85 |
| Return on assets (ROA) | 3.4334% | 90 |
| Pretax return on assets | 3.4334% | 111 |
| Return on Equity (ROE) | 18.2778% | 443 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,583 |
| Net charge-offs to loans | -2.8194% | 6,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3517% | 6,895 |
| Assets per employee ($millions) | 8.3873% | 398 |
| Cash dividends to net income (ytd only)* | 68.5259% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7049% | 80 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 14.6395% | 6,853 |
| Net loans and leases to deposits | 17.8969% | 6,851 |
| Net loans and leases to core deposits | 21.6471% | 6,827 |
| Total domestic deposits to total assets | 81.7990% | 5,114 |
| Equity capital to assets | 16.9117% | 426 |
| Core capital (leverage) ratio | 18.2275% | 276 |
| Tier 1 risk-based capital ratio | 48.9767% | 134 |
| Total risk-based capital ratio | 50.2388% | 133 |
| Memoranda: | ||
| Average total assets | $58,484,670 | 5,897 |
| Average earning assets | $55,242,330 | 5,816 |
| Average equity | $10,986,000 | 4,725 |
| Average total loans | $9,434,670 | 6,731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1382% | 6,364 |
| Cost of funding earning assets | 0.3731% | 5,338 |
| Net interest margin | 2.7652% | 6,102 |
| Noninterest income to average assets | 0.2673% | 5,547 |
| Noninterest expense to average assets | 1.3089% | 6,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5487% | 767 |
| Return on assets (ROA) | 1.5487% | 840 |
| Pretax return on assets | 1.5487% | 1,426 |
| Return on Equity (ROE) | 7.8510% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.8510% | 1,802 |
| Net charge-offs to loans | -0.0834% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8034% | 6,701 |
| Assets per employee ($millions) | 10.1660% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0315% | 281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 15.1813% | 6,917 |
| Net loans and leases to deposits | 18.7723% | 6,917 |
| Net loans and leases to core deposits | 22.4083% | 6,885 |
| Total domestic deposits to total assets | 80.8709% | 5,533 |
| Equity capital to assets | 19.0308% | 262 |
| Core capital (leverage) ratio | 18.6187% | 257 |
| Tier 1 risk-based capital ratio | 46.9411% | 152 |
| Total risk-based capital ratio | 48.2109% | 151 |
| Memoranda: | ||
| Average total assets | $58,371,500 | 5,952 |
| Average earning assets | $54,680,500 | 5,886 |
| Average equity | $11,514,500 | 4,669 |
| Average total loans | $9,594,500 | 6,793 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 6,631 |
| Cost of funding earning assets | 0.4174% | 5,806 |
| Net interest margin | 2.8339% | 6,343 |
| Noninterest income to average assets | 0.2907% | 5,392 |
| Noninterest expense to average assets | 1.5777% | 6,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3451% | 1,206 |
| Return on assets (ROA) | 1.3451% | 1,328 |
| Pretax return on assets | 1.3451% | 2,229 |
| Return on Equity (ROE) | 6.0284% | 4,159 |
| Retained earnings to average equity (ytd only) | 0.2172% | 5,739 |
| Net charge-offs to loans | -0.3323% | 6,986 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9788% | 6,271 |
| Assets per employee ($millions) | 7.9639% | 508 |
| Cash dividends to net income (ytd only)* | 96.3977% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0566% | 275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 16.4188% | 6,969 |
| Net loans and leases to deposits | 20.6740% | 6,968 |
| Net loans and leases to core deposits | 24.1008% | 6,931 |
| Total domestic deposits to total assets | 79.4177% | 5,801 |
| Equity capital to assets | 20.4872% | 207 |
| Core capital (leverage) ratio | 19.4766% | 212 |
| Tier 1 risk-based capital ratio | 47.3786% | 153 |
| Total risk-based capital ratio | 48.6367% | 152 |
| Memoranda: | ||
| Average total assets | $51,592,800 | 6,160 |
| Average earning assets | $47,920,000 | 6,123 |
| Average equity | $11,512,200 | 4,668 |
| Average total loans | $7,825,400 | 6,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2912% | 6,732 |
| Cost of funding earning assets | 0.4360% | 5,893 |
| Net interest margin | 2.8553% | 6,426 |
| Noninterest income to average assets | 0.2585% | 5,715 |
| Noninterest expense to average assets | 1.4189% | 6,983 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4822% | 1,056 |
| Return on assets (ROA) | 1.4822% | 1,168 |
| Pretax return on assets | 1.4822% | 1,948 |
| Return on Equity (ROE) | 6.4960% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.2883% | 3,872 |
| Net charge-offs to loans | -0.4506% | 7,093 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9091% | 6,670 |
| Assets per employee ($millions) | 7.3369% | 629 |
| Cash dividends to net income (ytd only)* | 33.9859% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6433% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 15.4348% | 7,074 |
| Net loans and leases to deposits | 20.1449% | 7,074 |
| Net loans and leases to core deposits | 22.6706% | 7,057 |
| Total domestic deposits to total assets | 76.6190% | 6,292 |
| Equity capital to assets | 23.2408% | 134 |
| Core capital (leverage) ratio | 20.8431% | 176 |
| Tier 1 risk-based capital ratio | 53.6821% | 125 |
| Total risk-based capital ratio | 54.9398% | 124 |
| Memoranda: | ||
| Average total assets | $50,554,250 | 6,270 |
| Average earning assets | $46,789,750 | 6,228 |
| Average equity | $11,535,000 | 4,711 |
| Average total loans | $7,396,750 | 7,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2741% | 6,829 |
| Cost of funding earning assets | 0.4504% | 5,972 |
| Net interest margin | 2.8237% | 6,537 |
| Noninterest income to average assets | 0.2705% | 5,643 |
| Noninterest expense to average assets | 1.4119% | 7,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4517% | 1,082 |
| Return on assets (ROA) | 1.4517% | 1,214 |
| Pretax return on assets | 1.4517% | 2,003 |
| Return on Equity (ROE) | 6.4028% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.0523% | 4,611 |
| Net charge-offs to loans | -0.7051% | 7,165 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3056% | 6,691 |
| Assets per employee ($millions) | 7.4107% | 605 |
| Cash dividends to net income (ytd only)* | 52.3288% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7391% | 198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 14.9571% | 7,142 |
| Net loans and leases to deposits | 19.3980% | 7,140 |
| Net loans and leases to core deposits | 21.8477% | 7,126 |
| Total domestic deposits to total assets | 77.1065% | 6,311 |
| Equity capital to assets | 22.4077% | 145 |
| Core capital (leverage) ratio | 20.6457% | 176 |
| Tier 1 risk-based capital ratio | 51.9034% | 126 |
| Total risk-based capital ratio | 53.1611% | 125 |
| Memoranda: | ||
| Average total assets | $50,286,330 | 6,317 |
| Average earning assets | $46,180,670 | 6,283 |
| Average equity | $11,401,330 | 4,734 |
| Average total loans | $7,091,330 | 7,097 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 6,874 |
| Cost of funding earning assets | 0.4824% | 5,926 |
| Net interest margin | 2.8498% | 6,553 |
| Noninterest income to average assets | 0.2910% | 5,536 |
| Noninterest expense to average assets | 1.4063% | 7,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4629% | 1,096 |
| Return on assets (ROA) | 1.4629% | 1,225 |
| Pretax return on assets | 1.4629% | 1,985 |
| Return on Equity (ROE) | 6.4128% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.4128% | 2,733 |
| Net charge-offs to loans | -0.1828% | 6,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0141% | 6,741 |
| Assets per employee ($millions) | 7.1057% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2563% | 138 |
| Loan loss allowance to noncurrent loans | 36,400.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,956 |
| Noncurrent loans to loans | 0.0144% | 6,749 |
| Net loans and leases to total assets | 13.1906% | 7,217 |
| Net loans and leases to deposits | 17.1826% | 7,216 |
| Net loans and leases to core deposits | 19.5501% | 7,200 |
| Total domestic deposits to total assets | 76.7672% | 6,436 |
| Equity capital to assets | 23.1323% | 122 |
| Core capital (leverage) ratio | 21.4475% | 147 |
| Tier 1 risk-based capital ratio | 56.0480% | 107 |
| Total risk-based capital ratio | 57.3062% | 106 |
| Memoranda: | ||
| Average total assets | $49,492,000 | 6,384 |
| Average earning assets | $44,774,500 | 6,369 |
| Average equity | $11,290,000 | 4,768 |
| Average total loans | $6,564,500 | 7,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 6,890 |
| Cost of funding earning assets | 0.5433% | 6,370 |
| Net interest margin | 3.1123% | 6,317 |
| Noninterest income to average assets | 0.3312% | 5,164 |
| Noninterest expense to average assets | 1.8029% | 6,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2916% | 1,271 |
| Return on assets (ROA) | 1.2916% | 1,371 |
| Pretax return on assets | 1.2916% | 2,163 |
| Return on Equity (ROE) | 5.2878% | 4,256 |
| Retained earnings to average equity (ytd only) | 0.2275% | 5,723 |
| Net charge-offs to loans | -0.1726% | 7,198 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2615% | 6,016 |
| Assets per employee ($millions) | 7.0349% | 720 |
| Cash dividends to net income (ytd only)* | 95.6971% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8188% | 103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 11.8654% | 7,281 |
| Net loans and leases to deposits | 15.4827% | 7,280 |
| Net loans and leases to core deposits | 17.1495% | 7,266 |
| Total domestic deposits to total assets | 76.6367% | 6,386 |
| Equity capital to assets | 22.4880% | 144 |
| Core capital (leverage) ratio | 21.1032% | 162 |
| Tier 1 risk-based capital ratio | 55.6285% | 112 |
| Total risk-based capital ratio | 56.8878% | 110 |
| Memoranda: | ||
| Average total assets | $44,982,600 | 6,509 |
| Average earning assets | $39,938,000 | 6,530 |
| Average equity | $10,987,600 | 4,781 |
| Average total loans | $6,373,400 | 7,231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 6,974 |
| Cost of funding earning assets | 0.5626% | 6,461 |
| Net interest margin | 3.0929% | 6,396 |
| Noninterest income to average assets | 0.3036% | 5,438 |
| Noninterest expense to average assets | 1.6789% | 7,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3783% | 1,206 |
| Return on assets (ROA) | 1.3783% | 1,285 |
| Pretax return on assets | 1.3783% | 2,013 |
| Return on Equity (ROE) | 5.5200% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.2707% | 4,389 |
| Net charge-offs to loans | -0.1663% | 7,240 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9156% | 6,396 |
| Assets per employee ($millions) | 6.7251% | 840 |
| Cash dividends to net income (ytd only)* | 40.7487% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4581% | 135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 13.1723% | 7,349 |
| Net loans and leases to deposits | 17.3819% | 7,350 |
| Net loans and leases to core deposits | 19.1029% | 7,335 |
| Total domestic deposits to total assets | 75.7817% | 6,553 |
| Equity capital to assets | 24.0611% | 128 |
| Core capital (leverage) ratio | 23.0497% | 136 |
| Tier 1 risk-based capital ratio | 58.6342% | 116 |
| Total risk-based capital ratio | 59.8916% | 115 |
| Memoranda: | ||
| Average total assets | $43,917,250 | 6,595 |
| Average earning assets | $39,099,500 | 6,623 |
| Average equity | $10,966,000 | 4,811 |
| Average total loans | $6,415,750 | 7,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 7,035 |
| Cost of funding earning assets | 0.5817% | 6,534 |
| Net interest margin | 3.0917% | 6,426 |
| Noninterest income to average assets | 0.3079% | 5,431 |
| Noninterest expense to average assets | 1.6797% | 7,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3811% | 1,125 |
| Return on assets (ROA) | 1.3811% | 1,192 |
| Pretax return on assets | 1.3811% | 1,856 |
| Return on Equity (ROE) | 5.4584% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.0469% | 4,956 |
| Net charge-offs to loans | -0.2198% | 7,302 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8780% | 6,524 |
| Assets per employee ($millions) | 6.2631% | 1,042 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4991% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 13.9934% | 7,420 |
| Net loans and leases to deposits | 18.8011% | 7,413 |
| Net loans and leases to core deposits | 21.0731% | 7,398 |
| Total domestic deposits to total assets | 74.4286% | 6,794 |
| Equity capital to assets | 25.0011% | 125 |
| Core capital (leverage) ratio | 23.8458% | 131 |
| Tier 1 risk-based capital ratio | 60.9339% | 104 |
| Total risk-based capital ratio | 62.1956% | 101 |
| Memoranda: | ||
| Average total assets | $42,864,330 | 6,683 |
| Average earning assets | $38,167,000 | 6,708 |
| Average equity | $10,845,670 | 4,839 |
| Average total loans | $6,368,000 | 7,374 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 7,004 |
| Cost of funding earning assets | 0.6100% | 6,568 |
| Net interest margin | 3.1465% | 6,225 |
| Noninterest income to average assets | 0.3115% | 5,438 |
| Noninterest expense to average assets | 1.6519% | 7,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4348% | 1,007 |
| Return on assets (ROA) | 1.4348% | 1,045 |
| Pretax return on assets | 1.4348% | 1,637 |
| Return on Equity (ROE) | 5.6359% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.6359% | 2,835 |
| Net charge-offs to loans | -0.1903% | 7,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5168% | 6,742 |
| Assets per employee ($millions) | 5.3706% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1851% | 172 |
| Loan loss allowance to noncurrent loans | 35,300.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 7,209 |
| Noncurrent loans to loans | 0.0147% | 7,032 |
| Net loans and leases to total assets | 15.0239% | 7,476 |
| Net loans and leases to deposits | 20.1191% | 7,467 |
| Net loans and leases to core deposits | 22.5699% | 7,453 |
| Total domestic deposits to total assets | 74.6747% | 6,838 |
| Equity capital to assets | 25.1856% | 115 |
| Core capital (leverage) ratio | 24.1625% | 119 |
| Tier 1 risk-based capital ratio | 61.5649% | 100 |
| Total risk-based capital ratio | 62.8265% | 98 |
| Memoranda: | ||
| Average total assets | $42,375,500 | 6,746 |
| Average earning assets | $37,374,500 | 6,793 |
| Average equity | $10,788,000 | 4,849 |
| Average total loans | $6,306,000 | 7,436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 7,059 |
| Cost of funding earning assets | 0.6946% | 6,904 |
| Net interest margin | 3.3931% | 5,661 |
| Noninterest income to average assets | 0.3119% | 5,566 |
| Noninterest expense to average assets | 2.0190% | 6,992 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1127% | 1,667 |
| Return on assets (ROA) | 1.1127% | 1,749 |
| Pretax return on assets | 1.1127% | 2,532 |
| Return on Equity (ROE) | 4.2885% | 4,391 |
| Retained earnings to average equity (ytd only) | 0.1231% | 5,523 |
| Net charge-offs to loans | 0.8383% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 1,590 |
| Efficiency ratio | 64.4706% | 5,269 |
| Assets per employee ($millions) | 5.2233% | 1,831 |
| Cash dividends to net income (ytd only)* | 97.1302% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0303% | 108 |
| Loan loss allowance to noncurrent loans | 35,000.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,271 |
| Noncurrent loans to loans | 0.0172% | 7,105 |
| Net loans and leases to total assets | 13.0522% | 7,573 |
| Net loans and leases to deposits | 17.7597% | 7,568 |
| Net loans and leases to core deposits | 20.0264% | 7,551 |
| Total domestic deposits to total assets | 73.4935% | 6,948 |
| Equity capital to assets | 25.7383% | 118 |
| Core capital (leverage) ratio | 24.0401% | 134 |
| Tier 1 risk-based capital ratio | 63.1933% | 93 |
| Total risk-based capital ratio | 64.4518% | 94 |
| Memoranda: | ||
| Average total assets | $40,712,600 | 6,837 |
| Average earning assets | $33,833,000 | 6,953 |
| Average equity | $10,563,200 | 4,968 |
| Average total loans | $4,652,400 | 7,563 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 7,178 |
| Cost of funding earning assets | 0.7004% | 7,059 |
| Net interest margin | 3.4222% | 5,599 |
| Noninterest income to average assets | 0.2835% | 5,842 |
| Noninterest expense to average assets | 1.8560% | 7,260 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2626% | 1,433 |
| Return on assets (ROA) | 1.2626% | 1,514 |
| Pretax return on assets | 1.2626% | 2,290 |
| Return on Equity (ROE) | 4.8563% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.5105% | 4,663 |
| Net charge-offs to loans | 1.2526% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 9.3406% | 2,036 |
| Efficiency ratio | 59.5137% | 6,027 |
| Assets per employee ($millions) | 5.8860% | 1,313 |
| Cash dividends to net income (ytd only)* | 48.3031% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4950% | 89 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 12.1596% | 7,685 |
| Net loans and leases to deposits | 16.8364% | 7,682 |
| Net loans and leases to core deposits | 18.8843% | 7,659 |
| Total domestic deposits to total assets | 72.2222% | 7,108 |
| Equity capital to assets | 27.5642% | 106 |
| Core capital (leverage) ratio | 24.4984% | 131 |
| Tier 1 risk-based capital ratio | 67.3709% | 87 |
| Total risk-based capital ratio | 68.6309% | 86 |
| Memoranda: | ||
| Average total assets | $40,444,250 | 6,922 |
| Average earning assets | $33,505,750 | 7,044 |
| Average equity | $10,515,250 | 5,051 |
| Average total loans | $4,364,500 | 7,668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 7,291 |
| Cost of funding earning assets | 0.7082% | 7,180 |
| Net interest margin | 3.3835% | 5,702 |
| Noninterest income to average assets | 0.2886% | 5,839 |
| Noninterest expense to average assets | 1.9258% | 7,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1445% | 1,709 |
| Return on assets (ROA) | 1.1445% | 1,778 |
| Pretax return on assets | 1.1445% | 2,609 |
| Return on Equity (ROE) | 4.4945% | 4,545 |
| Retained earnings to average equity (ytd only) | 0.8794% | 5,418 |
| Net charge-offs to loans | 0.1488% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 411 |
| Efficiency ratio | 62.7229% | 5,569 |
| Assets per employee ($millions) | 5.8619% | 1,328 |
| Cash dividends to net income (ytd only)* | 80.4348% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1383% | 29 |
| Loan loss allowance to noncurrent loans | 965.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 7,152 |
| Noncurrent loans to loans | 0.9470% | 5,410 |
| Net loans and leases to total assets | 9.3534% | 7,760 |
| Net loans and leases to deposits | 12.6018% | 7,762 |
| Net loans and leases to core deposits | 14.2117% | 7,749 |
| Total domestic deposits to total assets | 74.2232% | 6,948 |
| Equity capital to assets | 25.1456% | 135 |
| Core capital (leverage) ratio | 23.0086% | 154 |
| Tier 1 risk-based capital ratio | 68.5894% | 89 |
| Total risk-based capital ratio | 69.8560% | 89 |
| Memoranda: | ||
| Average total assets | $40,191,670 | 6,991 |
| Average earning assets | $33,042,670 | 7,111 |
| Average equity | $10,234,670 | 5,137 |
| Average total loans | $4,033,330 | 7,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 7,520 |
| Cost of funding earning assets | 0.7098% | 7,312 |
| Net interest margin | 3.1939% | 6,313 |
| Noninterest income to average assets | 0.2615% | 6,056 |
| Noninterest expense to average assets | 1.7601% | 7,513 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1264% | 1,749 |
| Return on assets (ROA) | 1.1264% | 1,827 |
| Pretax return on assets | 1.1264% | 2,645 |
| Return on Equity (ROE) | 4.3952% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.3952% | 3,513 |
| Net charge-offs to loans | 0.5079% | 2,547 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,090 |
| Efficiency ratio | 60.9756% | 6,009 |
| Assets per employee ($millions) | 5.7976% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2619% | 27 |
| Loan loss allowance to noncurrent loans | 619.3548% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 7,097 |
| Noncurrent loans to loans | 1.4954% | 4,500 |
| Net loans and leases to total assets | 9.2699% | 7,863 |
| Net loans and leases to deposits | 12.4335% | 7,865 |
| Net loans and leases to core deposits | 14.0562% | 7,849 |
| Total domestic deposits to total assets | 74.5558% | 6,975 |
| Equity capital to assets | 25.2938% | 140 |
| Core capital (leverage) ratio | 23.7998% | 155 |
| Tier 1 risk-based capital ratio | 69.9633% | 82 |
| Total risk-based capital ratio | 71.2317% | 81 |
| Memoranda: | ||
| Average total assets | $39,771,000 | 7,094 |
| Average earning assets | $32,687,500 | 7,214 |
| Average equity | $10,193,000 | 5,180 |
| Average total loans | $3,938,000 | 7,847 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 7,607 |
| Cost of funding earning assets | 0.6681% | 7,722 |
| Net interest margin | 3.5304% | 4,816 |
| Noninterest income to average assets | 0.3178% | 5,811 |
| Noninterest expense to average assets | 2.2166% | 6,953 |
| Loan and lease loss provision to assets | -0.5341% | 8,009 |
| Net operating income to assets | 1.3219% | 991 |
| Return on assets (ROA) | 1.3219% | 1,036 |
| Pretax return on assets | 1.8106% | 621 |
| Return on Equity (ROE) | 4.9750% | 3,674 |
| Retained earnings to average equity (ytd only) | 0.5528% | 4,595 |
| Net charge-offs to loans | 0.3048% | 4,723 |
| Credit loss provision to net charge-offs | -1,538.4615% | 7,469 |
| Earnings coverage of net charge-offs (x) | 36.7692% | 643 |
| Efficiency ratio | 63.4557% | 5,882 |
| Assets per employee ($millions) | 5.5656% | 1,593 |
| Cash dividends to net income (ytd only)* | 88.8889% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4290% | 20 |
| Loan loss allowance to noncurrent loans | 627.4194% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 7,079 |
| Noncurrent loans to loans | 1.6622% | 4,153 |
| Net loans and leases to total assets | 8.5757% | 7,938 |
| Net loans and leases to deposits | 11.7129% | 7,943 |
| Net loans and leases to core deposits | 17.5279% | 7,929 |
| Total domestic deposits to total assets | 73.2154% | 7,126 |
| Equity capital to assets | 25.9786% | 140 |
| Core capital (leverage) ratio | 24.4023% | 164 |
| Tier 1 risk-based capital ratio | 72.8263% | 83 |
| Total risk-based capital ratio | 74.0927% | 82 |
| Memoranda: | ||
| Average total assets | $37,445,200 | 7,189 |
| Average earning assets | $33,678,600 | 7,202 |
| Average equity | $9,949,800 | 5,308 |
| Average total loans | $4,264,600 | 7,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 7,703 |
| Cost of funding earning assets | 0.6661% | 7,841 |
| Net interest margin | 3.5695% | 4,593 |
| Noninterest income to average assets | 0.3165% | 5,948 |
| Noninterest expense to average assets | 2.1223% | 7,147 |
| Loan and lease loss provision to assets | -0.7194% | 8,096 |
| Net operating income to assets | 1.5323% | 756 |
| Return on assets (ROA) | 1.5323% | 811 |
| Pretax return on assets | 2.1906% | 360 |
| Return on Equity (ROE) | 5.7332% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.2435% | 3,499 |
| Net charge-offs to loans | 0.4547% | 3,414 |
| Credit loss provision to net charge-offs | -1,333.3333% | 7,339 |
| Earnings coverage of net charge-offs (x) | 27.2660% | 999 |
| Efficiency ratio | 59.0591% | 6,562 |
| Assets per employee ($millions) | 3.7540% | 4,301 |
| Cash dividends to net income (ytd only)* | 43.4268% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9521% | 22 |
| Loan loss allowance to noncurrent loans | 586.3636% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 7,092 |
| Noncurrent loans to loans | 1.5267% | 4,364 |
| Net loans and leases to total assets | 10.4848% | 8,015 |
| Net loans and leases to deposits | 14.6238% | 8,018 |
| Net loans and leases to core deposits | 21.7964% | 7,991 |
| Total domestic deposits to total assets | 71.6969% | 7,250 |
| Equity capital to assets | 28.0394% | 137 |
| Core capital (leverage) ratio | 24.9734% | 171 |
| Tier 1 risk-based capital ratio | 74.0339% | 83 |
| Total risk-based capital ratio | 75.3041% | 83 |
| Memoranda: | ||
| Average total assets | $37,066,750 | 7,272 |
| Average earning assets | $34,028,500 | 7,245 |
| Average equity | $9,907,000 | 5,361 |
| Average total loans | $4,398,250 | 7,985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 7,769 |
| Cost of funding earning assets | 0.6793% | 7,936 |
| Net interest margin | 3.6366% | 4,223 |
| Noninterest income to average assets | 0.3305% | 5,864 |
| Noninterest expense to average assets | 2.2434% | 6,941 |
| Loan and lease loss provision to assets | -1.0837% | 8,193 |
| Net operating income to assets | 1.5443% | 761 |
| Return on assets (ROA) | 1.5443% | 818 |
| Pretax return on assets | 2.5360% | 199 |
| Return on Equity (ROE) | 5.8759% | 3,710 |
| Retained earnings to average equity (ytd only) | 2.0617% | 4,196 |
| Net charge-offs to loans | 0.9495% | 1,827 |
| Credit loss provision to net charge-offs | -952.3810% | 7,113 |
| Earnings coverage of net charge-offs (x) | 12.7619% | 1,789 |
| Efficiency ratio | 60.7038% | 6,447 |
| Assets per employee ($millions) | 3.6674% | 4,404 |
| Cash dividends to net income (ytd only)* | 64.9123% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3755% | 29 |
| Loan loss allowance to noncurrent loans | 577.2727% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 7,092 |
| Noncurrent loans to loans | 1.4509% | 4,319 |
| Net loans and leases to total assets | 11.3650% | 8,099 |
| Net loans and leases to deposits | 15.5412% | 8,105 |
| Net loans and leases to core deposits | 22.8246% | 8,074 |
| Total domestic deposits to total assets | 73.1281% | 7,092 |
| Equity capital to assets | 26.0048% | 183 |
| Core capital (leverage) ratio | 25.3756% | 197 |
| Tier 1 risk-based capital ratio | 71.3264% | 101 |
| Total risk-based capital ratio | 72.5911% | 98 |
| Memoranda: | ||
| Average total assets | $36,909,000 | 7,341 |
| Average earning assets | $34,152,670 | 7,309 |
| Average equity | $9,700,670 | 5,456 |
| Average total loans | $4,423,330 | 8,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 7,864 |
| Cost of funding earning assets | 0.6929% | 7,997 |
| Net interest margin | 3.5799% | 4,409 |
| Noninterest income to average assets | 0.3349% | 5,778 |
| Noninterest expense to average assets | 1.9338% | 7,485 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2269% | 6,595 |
| Return on assets (ROA) | -0.2269% | 6,671 |
| Pretax return on assets | 1.7501% | 1,080 |
| Return on Equity (ROE) | -0.8587% | 6,521 |
| Retained earnings to average equity (ytd only) | -0.8587% | 5,854 |
| Net charge-offs to loans | 1.8347% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,238 |
| Efficiency ratio | 52.4927% | 7,366 |
| Assets per employee ($millions) | 3.6760% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4920% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 11.0909% | 8,154 |
| Net loans and leases to deposits | 14.9961% | 8,162 |
| Net loans and leases to core deposits | 21.9418% | 8,131 |
| Total domestic deposits to total assets | 73.9581% | 6,901 |
| Equity capital to assets | 25.5822% | 211 |
| Core capital (leverage) ratio | 24.8104% | 233 |
| Tier 1 risk-based capital ratio | 71.0165% | 106 |
| Total risk-based capital ratio | 72.2994% | 106 |
| Memoranda: | ||
| Average total assets | $37,026,500 | 7,378 |
| Average earning assets | $34,637,500 | 7,323 |
| Average equity | $9,782,500 | 5,454 |
| Average total loans | $4,360,500 | 8,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6081% | 8,008 |
| Cost of funding earning assets | 0.9790% | 8,066 |
| Net interest margin | 3.6291% | 4,760 |
| Noninterest income to average assets | 0.3069% | 6,253 |
| Noninterest expense to average assets | 2.2664% | 6,798 |
| Loan and lease loss provision to assets | -0.2741% | 8,279 |
| Net operating income to assets | 1.4497% | 1,129 |
| Return on assets (ROA) | 1.4497% | 1,079 |
| Pretax return on assets | 1.7485% | 1,055 |
| Return on Equity (ROE) | 5.1075% | 4,328 |
| Retained earnings to average equity (ytd only) | 0.5214% | 4,924 |
| Net charge-offs to loans | -0.1696% | 8,152 |
| Credit loss provision to net charge-offs | 1,666.6667% | 257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5861% | 6,246 |
| Assets per employee ($millions) | 4.6616% | 2,381 |
| Cash dividends to net income (ytd only)* | 89.7921% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8203% | 5 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 9.2779% | 8,215 |
| Net loans and leases to deposits | 13.1294% | 8,222 |
| Net loans and leases to core deposits | 19.0613% | 8,203 |
| Total domestic deposits to total assets | 70.6647% | 7,209 |
| Equity capital to assets | 27.2464% | 214 |
| Core capital (leverage) ratio | 26.9102% | 224 |
| Tier 1 risk-based capital ratio | 78.6474% | 101 |
| Total risk-based capital ratio | 79.9363% | 100 |
| Memoranda: | ||
| Average total assets | $36,489,200 | 7,362 |
| Average earning assets | $34,526,000 | 7,303 |
| Average equity | $10,357,400 | 5,305 |
| Average total loans | $3,538,400 | 8,208 |