Home > The First National Bank of Hooker > Performance and Condition Ratios
The First National Bank of Hooker, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 2,249 |
| Cost of funding earning assets | 1.1844% | 2,841 |
| Net interest margin | 3.7283% | 1,703 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.7283% | 1,670 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0719% | 2,004 |
| Return on assets (ROA) | 1.0800% | 1,949 |
| Pretax return on assets | 1.2680% | 1,963 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 0.1493% | 4,013 |
| Net charge-offs to loans | 0.0575% | 1,278 |
| Credit loss provision to net charge-offs | 206.0606% | 1,202 |
| Earnings coverage of net charge-offs (x) | 37.9697% | 1,475 |
| Efficiency ratio | 67.2161% | 2,207 |
| Assets per employee ($millions) | 4.3707% | 4,009 |
| Cash dividends to net income (ytd only)* | 98.3284% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 1,699 |
| Loan loss allowance to noncurrent loans | 33.7566% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.5538% | 89 |
| Noncurrent loans to loans | 3.8980% | 87 |
| Net loans and leases to total assets | 63.0000% | 2,573 |
| Net loans and leases to deposits | 74.6604% | 2,570 |
| Net loans and leases to core deposits | 81.2338% | 2,637 |
| Total domestic deposits to total assets | 84.3800% | 2,508 |
| Equity capital to assets | 13.0294% | 858 |
| Core capital (leverage) ratio | 14.0996% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5451% | 569 |
| Memoranda: | ||
| Average total assets | $94,162,800 | 3,875 |
| Average earning assets | $89,664,800 | 3,839 |
| Average equity | $11,383,400 | 3,582 |
| Average total loans | $57,348,000 | 3,743 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 2,179 |
| Cost of funding earning assets | 1.0672% | 2,841 |
| Net interest margin | 3.7757% | 1,650 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.6228% | 1,870 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1824% | 1,836 |
| Return on assets (ROA) | 1.1932% | 1,801 |
| Pretax return on assets | 1.4085% | 1,758 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | -1.8031% | 4,309 |
| Net charge-offs to loans | 0.0023% | 2,468 |
| Credit loss provision to net charge-offs | 3,800.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 1,030.0000% | 149 |
| Efficiency ratio | 64.4091% | 2,449 |
| Assets per employee ($millions) | 4.3974% | 4,006 |
| Cash dividends to net income (ytd only)* | 117.9245% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 1,901 |
| Loan loss allowance to noncurrent loans | 28.3358% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.9541% | 72 |
| Noncurrent loans to loans | 4.5608% | 61 |
| Net loans and leases to total assets | 63.9400% | 2,455 |
| Net loans and leases to deposits | 80.2602% | 2,022 |
| Net loans and leases to core deposits | 87.6838% | 2,078 |
| Total domestic deposits to total assets | 79.6600% | 3,577 |
| Equity capital to assets | 12.0927% | 1,018 |
| Core capital (leverage) ratio | 13.7362% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6918% | 640 |
| Memoranda: | ||
| Average total assets | $94,757,250 | 3,892 |
| Average earning assets | $90,330,750 | 3,848 |
| Average equity | $11,239,500 | 3,599 |
| Average total loans | $57,036,500 | 3,757 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 2,169 |
| Cost of funding earning assets | 0.8775% | 3,001 |
| Net interest margin | 3.8411% | 1,541 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.6559% | 1,768 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1753% | 1,893 |
| Return on assets (ROA) | 1.2013% | 1,818 |
| Pretax return on assets | 1.4399% | 1,721 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | -7.5641% | 4,478 |
| Net charge-offs to loans | -0.0036% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.0909% | 2,476 |
| Assets per employee ($millions) | 4.4993% | 3,953 |
| Cash dividends to net income (ytd only)* | 174.2160% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,898 |
| Loan loss allowance to noncurrent loans | 37.0105% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.2162% | 120 |
| Noncurrent loans to loans | 3.5341% | 108 |
| Net loans and leases to total assets | 61.8900% | 2,585 |
| Net loans and leases to deposits | 76.3185% | 2,280 |
| Net loans and leases to core deposits | 81.7160% | 2,357 |
| Total domestic deposits to total assets | 81.0900% | 3,419 |
| Equity capital to assets | 11.7564% | 1,118 |
| Core capital (leverage) ratio | 13.2958% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5151% | 670 |
| Memoranda: | ||
| Average total assets | $95,561,333 | 3,886 |
| Average earning assets | $91,172,333 | 3,853 |
| Average equity | $11,263,667 | 3,605 |
| Average total loans | $56,110,667 | 3,777 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 1,846 |
| Cost of funding earning assets | 0.7386% | 2,932 |
| Net interest margin | 3.9637% | 1,341 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.5890% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4110% | 1,379 |
| Return on assets (ROA) | 1.4110% | 1,350 |
| Pretax return on assets | 1.6816% | 1,311 |
| Return on Equity (ROE) | 11.9600% | 2,225 |
| Retained earnings to average equity (ytd only) | -23.3126% | 4,613 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6238% | 2,879 |
| Assets per employee ($millions) | 4.9526% | 3,696 |
| Cash dividends to net income (ytd only)* | 294.9853% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,808 |
| Loan loss allowance to noncurrent loans | 38.8596% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 125 |
| Noncurrent loans to loans | 3.4794% | 115 |
| Net loans and leases to total assets | 57.0700% | 2,948 |
| Net loans and leases to deposits | 65.1517% | 3,000 |
| Net loans and leases to core deposits | 68.9417% | 3,026 |
| Total domestic deposits to total assets | 87.5900% | 2,062 |
| Equity capital to assets | 11.7876% | 1,064 |
| Core capital (leverage) ratio | 12.3613% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7223% | 589 |
| Memoranda: | ||
| Average total assets | $96,099,500 | 3,939 |
| Average earning assets | $91,530,500 | 3,902 |
| Average equity | $11,341,500 | 3,639 |
| Average total loans | $54,540,500 | 3,840 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 1,410 |
| Cost of funding earning assets | 0.2976% | 2,895 |
| Net interest margin | 3.8310% | 1,101 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.5231% | 2,039 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3566% | 1,258 |
| Return on assets (ROA) | 1.3566% | 1,216 |
| Pretax return on assets | 1.5855% | 1,198 |
| Return on Equity (ROE) | 11.2300% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.4910% | 1,319 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.1051% | 3,042 |
| Assets per employee ($millions) | 4.9050% | 3,743 |
| Cash dividends to net income (ytd only)* | 15.4799% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,701 |
| Loan loss allowance to noncurrent loans | 43.6795% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 162 |
| Noncurrent loans to loans | 3.0834% | 134 |
| Net loans and leases to total assets | 54.9600% | 3,121 |
| Net loans and leases to deposits | 62.7040% | 3,135 |
| Net loans and leases to core deposits | 65.7339% | 3,148 |
| Total domestic deposits to total assets | 87.6400% | 2,195 |
| Equity capital to assets | 11.8155% | 985 |
| Core capital (leverage) ratio | 13.7735% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7614% | 492 |
| Memoranda: | ||
| Average total assets | $95,238,800 | 3,969 |
| Average earning assets | $91,073,200 | 3,926 |
| Average equity | $11,505,600 | 3,715 |
| Average total loans | $53,630,200 | 3,838 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 1,175 |
| Cost of funding earning assets | 0.2153% | 3,085 |
| Net interest margin | 3.8267% | 909 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.4981% | 2,020 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3936% | 1,112 |
| Return on assets (ROA) | 1.3936% | 1,082 |
| Pretax return on assets | 1.5855% | 1,155 |
| Return on Equity (ROE) | 11.4700% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.1485% | 1,601 |
| Net charge-offs to loans | -0.0225% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5895% | 3,166 |
| Assets per employee ($millions) | 4.9104% | 3,756 |
| Cash dividends to net income (ytd only)* | 20.2429% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,091 |
| Loan loss allowance to noncurrent loans | 39.2762% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.0140% | 129 |
| Noncurrent loans to loans | 3.2793% | 139 |
| Net loans and leases to total assets | 60.6200% | 2,435 |
| Net loans and leases to deposits | 74.9500% | 1,965 |
| Net loans and leases to core deposits | 78.2461% | 2,019 |
| Total domestic deposits to total assets | 80.8900% | 4,003 |
| Equity capital to assets | 11.6658% | 950 |
| Core capital (leverage) ratio | 13.4341% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0481% | 638 |
| Memoranda: | ||
| Average total assets | $94,523,500 | 4,002 |
| Average earning assets | $90,415,750 | 3,955 |
| Average equity | $11,484,250 | 3,767 |
| Average total loans | $53,376,000 | 3,862 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 1,158 |
| Cost of funding earning assets | 0.1950% | 2,979 |
| Net interest margin | 3.6796% | 944 |
| Noninterest income to average assets | 0.5457% | 1,966 |
| Noninterest expense to average assets | 2.4902% | 1,961 |
| Loan and lease loss provision to assets | 0.0527% | 1,636 |
| Net operating income to assets | 1.3231% | 1,085 |
| Return on assets (ROA) | 1.3231% | 1,066 |
| Pretax return on assets | 1.5400% | 1,074 |
| Return on Equity (ROE) | 10.7494% | 2,073 |
| Retained earnings to average equity (ytd only) | 7.3260% | 1,873 |
| Net charge-offs to loans | -0.0346% | 4,101 |
| Credit loss provision to net charge-offs | -277.7778% | 3,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9907% | 3,179 |
| Assets per employee ($millions) | 4.6895% | 3,938 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,306 |
| Loan loss allowance to noncurrent loans | 39.1205% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 168 |
| Noncurrent loans to loans | 3.2585% | 148 |
| Net loans and leases to total assets | 56.5647% | 2,692 |
| Net loans and leases to deposits | 64.4821% | 2,677 |
| Net loans and leases to core deposits | 67.7288% | 2,677 |
| Total domestic deposits to total assets | 87.7215% | 2,686 |
| Equity capital to assets | 11.5652% | 1,010 |
| Core capital (leverage) ratio | 12.9274% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5233% | 583 |
| Memoranda: | ||
| Average total assets | $94,932,000 | 4,037 |
| Average earning assets | $91,259,333 | 3,999 |
| Average equity | $11,684,333 | 3,814 |
| Average total loans | $52,068,333 | 3,925 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 1,252 |
| Cost of funding earning assets | 0.1912% | 2,927 |
| Net interest margin | 3.5190% | 1,054 |
| Noninterest income to average assets | 0.5361% | 1,967 |
| Noninterest expense to average assets | 2.5842% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1267% | 1,450 |
| Return on assets (ROA) | 1.1267% | 1,446 |
| Pretax return on assets | 1.3445% | 1,393 |
| Return on Equity (ROE) | 8.8904% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.8904% | 1,299 |
| Net charge-offs to loans | -0.0703% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7783% | 2,793 |
| Assets per employee ($millions) | 4.6354% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,446 |
| Loan loss allowance to noncurrent loans | 46.1538% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.4690% | 249 |
| Noncurrent loans to loans | 2.7766% | 199 |
| Net loans and leases to total assets | 52.2287% | 2,965 |
| Net loans and leases to deposits | 59.8919% | 2,916 |
| Net loans and leases to core deposits | 63.0023% | 2,892 |
| Total domestic deposits to total assets | 87.2050% | 2,853 |
| Equity capital to assets | 12.0697% | 934 |
| Core capital (leverage) ratio | 12.6147% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4849% | 520 |
| Memoranda: | ||
| Average total assets | $95,503,000 | 4,049 |
| Average earning assets | $92,071,000 | 4,003 |
| Average equity | $12,103,000 | 3,850 |
| Average total loans | $51,234,000 | 3,956 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 1,036 |
| Cost of funding earning assets | 0.2471% | 2,963 |
| Net interest margin | 3.9272% | 814 |
| Noninterest income to average assets | 0.4516% | 2,811 |
| Noninterest expense to average assets | 2.6929% | 1,652 |
| Loan and lease loss provision to assets | 0.0706% | 1,672 |
| Net operating income to assets | 1.2540% | 1,730 |
| Return on assets (ROA) | 1.2540% | 1,783 |
| Pretax return on assets | 1.4636% | 1,843 |
| Return on Equity (ROE) | 9.1408% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.0564% | 2,760 |
| Net charge-offs to loans | 0.1172% | 767 |
| Credit loss provision to net charge-offs | 110.5263% | 1,706 |
| Earnings coverage of net charge-offs (x) | 24.0175% | 1,758 |
| Efficiency ratio | 63.7063% | 2,609 |
| Assets per employee ($millions) | 4.4601% | 4,148 |
| Cash dividends to net income (ytd only)* | 44.6828% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,468 |
| Loan loss allowance to noncurrent loans | 71.3034% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 579 |
| Noncurrent loans to loans | 1.7914% | 474 |
| Net loans and leases to total assets | 53.7203% | 2,884 |
| Net loans and leases to deposits | 62.6834% | 2,812 |
| Net loans and leases to core deposits | 66.1296% | 2,808 |
| Total domestic deposits to total assets | 85.7009% | 3,016 |
| Equity capital to assets | 13.2998% | 823 |
| Core capital (leverage) ratio | 13.3206% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5056% | 524 |
| Memoranda: | ||
| Average total assets | $89,234,800 | 4,105 |
| Average earning assets | $85,786,000 | 4,064 |
| Average equity | $12,241,800 | 3,910 |
| Average total loans | $48,615,600 | 4,027 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 1,001 |
| Cost of funding earning assets | 0.2614% | 3,000 |
| Net interest margin | 4.0094% | 781 |
| Noninterest income to average assets | 0.4312% | 2,927 |
| Noninterest expense to average assets | 2.6854% | 1,627 |
| Loan and lease loss provision to assets | 0.0806% | 1,474 |
| Net operating income to assets | 1.2587% | 1,956 |
| Return on assets (ROA) | 1.2587% | 2,018 |
| Pretax return on assets | 1.5175% | 1,949 |
| Return on Equity (ROE) | 9.1016% | 3,079 |
| Retained earnings to average equity (ytd only) | 4.7258% | 3,321 |
| Net charge-offs to loans | 0.1610% | 523 |
| Credit loss provision to net charge-offs | 91.3793% | 1,656 |
| Earnings coverage of net charge-offs (x) | 18.2069% | 1,793 |
| Efficiency ratio | 62.6987% | 2,579 |
| Assets per employee ($millions) | 4.4422% | 4,162 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,973 |
| Loan loss allowance to noncurrent loans | 60.1504% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 493 |
| Noncurrent loans to loans | 2.0012% | 439 |
| Net loans and leases to total assets | 59.1234% | 2,361 |
| Net loans and leases to deposits | 69.6635% | 2,276 |
| Net loans and leases to core deposits | 73.4911% | 2,282 |
| Total domestic deposits to total assets | 84.8699% | 3,160 |
| Equity capital to assets | 13.9550% | 746 |
| Core capital (leverage) ratio | 13.4720% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3002% | 665 |
| Memoranda: | ||
| Average total assets | $88,127,750 | 4,166 |
| Average earning assets | $84,665,500 | 4,125 |
| Average equity | $12,188,000 | 3,963 |
| Average total loans | $48,027,750 | 4,088 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 1,723 |
| Cost of funding earning assets | 0.2771% | 3,019 |
| Net interest margin | 3.6585% | 1,446 |
| Noninterest income to average assets | 0.4233% | 2,990 |
| Noninterest expense to average assets | 2.6533% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0741% | 2,631 |
| Return on assets (ROA) | 1.0741% | 2,702 |
| Pretax return on assets | 1.2857% | 2,669 |
| Return on Equity (ROE) | 7.7901% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.1396% | 2,746 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3599% | 1,957 |
| Assets per employee ($millions) | 4.4421% | 4,144 |
| Cash dividends to net income (ytd only)* | 21.1864% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,605 |
| Loan loss allowance to noncurrent loans | 69.7297% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 715 |
| Noncurrent loans to loans | 1.8145% | 570 |
| Net loans and leases to total assets | 56.6551% | 2,825 |
| Net loans and leases to deposits | 66.6556% | 2,760 |
| Net loans and leases to core deposits | 70.5646% | 2,729 |
| Total domestic deposits to total assets | 84.9968% | 3,094 |
| Equity capital to assets | 13.8596% | 741 |
| Core capital (leverage) ratio | 13.1474% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3060% | 589 |
| Memoranda: | ||
| Average total assets | $87,889,333 | 4,198 |
| Average earning assets | $84,460,000 | 4,147 |
| Average equity | $12,118,000 | 3,974 |
| Average total loans | $46,314,667 | 4,147 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 1,978 |
| Cost of funding earning assets | 0.3046% | 2,941 |
| Net interest margin | 3.5362% | 1,732 |
| Noninterest income to average assets | 0.4393% | 2,874 |
| Noninterest expense to average assets | 2.6861% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9793% | 2,871 |
| Return on assets (ROA) | 0.9793% | 2,968 |
| Pretax return on assets | 1.1531% | 2,975 |
| Return on Equity (ROE) | 7.1212% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.7935% | 3,564 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9642% | 1,705 |
| Assets per employee ($millions) | 4.4630% | 4,136 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,695 |
| Loan loss allowance to noncurrent loans | 67.8947% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 765 |
| Noncurrent loans to loans | 2.1705% | 464 |
| Net loans and leases to total assets | 48.3122% | 3,780 |
| Net loans and leases to deposits | 56.4201% | 3,762 |
| Net loans and leases to core deposits | 59.6800% | 3,725 |
| Total domestic deposits to total assets | 85.6295% | 2,882 |
| Equity capital to assets | 13.3421% | 823 |
| Core capital (leverage) ratio | 12.8672% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1457% | 395 |
| Memoranda: | ||
| Average total assets | $87,413,500 | 4,219 |
| Average earning assets | $84,045,000 | 4,164 |
| Average equity | $12,020,500 | 3,997 |
| Average total loans | $43,983,000 | 4,207 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 754 |
| Cost of funding earning assets | 0.5301% | 2,749 |
| Net interest margin | 4.2566% | 554 |
| Noninterest income to average assets | 0.4201% | 3,013 |
| Noninterest expense to average assets | 2.7797% | 1,998 |
| Loan and lease loss provision to assets | 0.1195% | 2,869 |
| Net operating income to assets | 1.3119% | 1,217 |
| Return on assets (ROA) | 1.3119% | 1,321 |
| Pretax return on assets | 1.5609% | 1,165 |
| Return on Equity (ROE) | 8.9013% | 2,440 |
| Retained earnings to average equity (ytd only) | 3.7807% | 2,928 |
| Net charge-offs to loans | 0.1401% | 1,155 |
| Credit loss provision to net charge-offs | 139.7059% | 2,485 |
| Earnings coverage of net charge-offs (x) | 19.6471% | 1,969 |
| Efficiency ratio | 62.3237% | 3,074 |
| Assets per employee ($millions) | 4.2784% | 4,142 |
| Cash dividends to net income (ytd only)* | 57.5264% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,735 |
| Loan loss allowance to noncurrent loans | 60.3368% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2493% | 670 |
| Noncurrent loans to loans | 2.4187% | 430 |
| Net loans and leases to total assets | 50.8987% | 3,755 |
| Net loans and leases to deposits | 60.1420% | 3,750 |
| Net loans and leases to core deposits | 63.5717% | 3,723 |
| Total domestic deposits to total assets | 84.6309% | 2,903 |
| Equity capital to assets | 14.1782% | 753 |
| Core capital (leverage) ratio | 13.4916% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1656% | 383 |
| Memoranda: | ||
| Average total assets | $79,504,200 | 4,248 |
| Average earning assets | $75,459,600 | 4,217 |
| Average equity | $11,717,400 | 3,999 |
| Average total loans | $48,522,800 | 4,137 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 642 |
| Cost of funding earning assets | 0.5690% | 2,813 |
| Net interest margin | 4.3963% | 475 |
| Noninterest income to average assets | 0.3949% | 3,109 |
| Noninterest expense to average assets | 2.7696% | 2,059 |
| Loan and lease loss provision to assets | 0.1628% | 2,374 |
| Net operating income to assets | 1.3540% | 1,219 |
| Return on assets (ROA) | 1.3540% | 1,323 |
| Pretax return on assets | 1.6241% | 1,117 |
| Return on Equity (ROE) | 9.0924% | 2,363 |
| Retained earnings to average equity (ytd only) | 4.5003% | 2,797 |
| Net charge-offs to loans | 0.1828% | 820 |
| Credit loss provision to net charge-offs | 139.7059% | 2,388 |
| Earnings coverage of net charge-offs (x) | 15.3676% | 2,104 |
| Efficiency ratio | 60.7880% | 3,262 |
| Assets per employee ($millions) | 4.3164% | 4,030 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,273 |
| Loan loss allowance to noncurrent loans | 83.5492% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 1,205 |
| Noncurrent loans to loans | 1.5248% | 933 |
| Net loans and leases to total assets | 60.9460% | 3,118 |
| Net loans and leases to deposits | 72.6529% | 3,074 |
| Net loans and leases to core deposits | 76.1298% | 3,155 |
| Total domestic deposits to total assets | 83.8865% | 2,853 |
| Equity capital to assets | 14.7271% | 691 |
| Core capital (leverage) ratio | 13.8791% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7213% | 532 |
| Memoranda: | ||
| Average total assets | $77,988,250 | 4,275 |
| Average earning assets | $73,817,750 | 4,245 |
| Average equity | $11,613,750 | 4,021 |
| Average total loans | $49,604,000 | 4,140 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 718 |
| Cost of funding earning assets | 0.6003% | 2,963 |
| Net interest margin | 4.4758% | 533 |
| Noninterest income to average assets | 0.3653% | 3,294 |
| Noninterest expense to average assets | 2.8546% | 1,962 |
| Loan and lease loss provision to assets | 0.2479% | 1,695 |
| Net operating income to assets | 1.2290% | 1,551 |
| Return on assets (ROA) | 1.2290% | 1,677 |
| Pretax return on assets | 1.4847% | 1,490 |
| Return on Equity (ROE) | 8.2206% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.7299% | 2,593 |
| Net charge-offs to loans | 0.2720% | 585 |
| Credit loss provision to net charge-offs | 141.7910% | 2,168 |
| Earnings coverage of net charge-offs (x) | 9.9104% | 2,189 |
| Efficiency ratio | 62.2298% | 3,085 |
| Assets per employee ($millions) | 4.4672% | 3,826 |
| Cash dividends to net income (ytd only)* | 42.4628% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,133 |
| Loan loss allowance to noncurrent loans | 68.4322% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 939 |
| Noncurrent loans to loans | 1.8622% | 745 |
| Net loans and leases to total assets | 62.2418% | 3,103 |
| Net loans and leases to deposits | 74.5128% | 3,026 |
| Net loans and leases to core deposits | 79.1686% | 3,014 |
| Total domestic deposits to total assets | 83.5317% | 2,912 |
| Equity capital to assets | 14.8130% | 663 |
| Core capital (leverage) ratio | 14.0265% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5906% | 537 |
| Memoranda: | ||
| Average total assets | $76,647,000 | 4,301 |
| Average earning assets | $72,300,667 | 4,269 |
| Average equity | $11,459,000 | 4,052 |
| Average total loans | $49,262,667 | 4,157 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 669 |
| Cost of funding earning assets | 0.6739% | 3,043 |
| Net interest margin | 4.5177% | 483 |
| Noninterest income to average assets | 0.3531% | 3,407 |
| Noninterest expense to average assets | 2.9639% | 1,973 |
| Loan and lease loss provision to assets | 0.1338% | 2,056 |
| Net operating income to assets | 1.1824% | 1,579 |
| Return on assets (ROA) | 1.1824% | 1,697 |
| Pretax return on assets | 1.4873% | 1,337 |
| Return on Equity (ROE) | 7.8697% | 2,571 |
| Retained earnings to average equity (ytd only) | 4.3087% | 2,572 |
| Net charge-offs to loans | -0.0247% | 4,408 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6441% | 3,123 |
| Assets per employee ($millions) | 4.0221% | 3,890 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,900 |
| Loan loss allowance to noncurrent loans | 154.1766% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 2,346 |
| Noncurrent loans to loans | 0.8768% | 1,856 |
| Net loans and leases to total assets | 61.6849% | 3,335 |
| Net loans and leases to deposits | 73.3099% | 3,335 |
| Net loans and leases to core deposits | 78.0861% | 3,349 |
| Total domestic deposits to total assets | 84.1427% | 2,740 |
| Equity capital to assets | 14.5291% | 888 |
| Core capital (leverage) ratio | 14.5578% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9123% | 565 |
| Memoranda: | ||
| Average total assets | $74,766,000 | 4,328 |
| Average earning assets | $70,036,000 | 4,313 |
| Average equity | $11,233,000 | 4,098 |
| Average total loans | $48,547,000 | 4,181 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1928% | 1,012 |
| Cost of funding earning assets | 0.7516% | 2,913 |
| Net interest margin | 4.4412% | 821 |
| Noninterest income to average assets | 0.4788% | 2,862 |
| Noninterest expense to average assets | 2.8704% | 2,374 |
| Loan and lease loss provision to assets | 0.8254% | 122 |
| Net operating income to assets | 0.9626% | 2,976 |
| Return on assets (ROA) | 0.9537% | 3,087 |
| Pretax return on assets | 0.9947% | 3,472 |
| Return on Equity (ROE) | 6.4847% | 3,744 |
| Retained earnings to average equity (ytd only) | 2.8871% | 3,588 |
| Net charge-offs to loans | 1.1505% | 135 |
| Credit loss provision to net charge-offs | 110.8348% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.4565% | 3,415 |
| Efficiency ratio | 61.0751% | 3,525 |
| Assets per employee ($millions) | 3.8481% | 4,097 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 2,156 |
| Loan loss allowance to noncurrent loans | 90.0875% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 1,224 |
| Noncurrent loans to loans | 1.3912% | 1,052 |
| Net loans and leases to total assets | 66.5969% | 2,886 |
| Net loans and leases to deposits | 80.3005% | 2,742 |
| Net loans and leases to core deposits | 86.9653% | 2,713 |
| Total domestic deposits to total assets | 82.9346% | 3,220 |
| Equity capital to assets | 15.5417% | 682 |
| Core capital (leverage) ratio | 14.7277% | 736 |
| Tier 1 risk-based capital ratio | 20.8565% | 1,191 |
| Total risk-based capital ratio | 22.0360% | 1,174 |
| Memoranda: | ||
| Average total assets | $75,598,800 | 4,354 |
| Average earning assets | $71,849,800 | 4,315 |
| Average equity | $11,118,400 | 4,109 |
| Average total loans | $48,937,200 | 4,205 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 1,353 |
| Cost of funding earning assets | 0.7573% | 2,932 |
| Net interest margin | 4.3145% | 1,136 |
| Noninterest income to average assets | 0.4408% | 3,074 |
| Noninterest expense to average assets | 2.7673% | 2,660 |
| Loan and lease loss provision to assets | 1.0898% | 83 |
| Net operating income to assets | 0.6872% | 4,052 |
| Return on assets (ROA) | 0.6752% | 4,150 |
| Pretax return on assets | 0.6875% | 4,374 |
| Return on Equity (ROE) | 4.6544% | 4,441 |
| Retained earnings to average equity (ytd only) | 1.0370% | 4,558 |
| Net charge-offs to loans | 1.5259% | 81 |
| Credit loss provision to net charge-offs | 111.4490% | 2,071 |
| Earnings coverage of net charge-offs (x) | 1.8301% | 3,250 |
| Efficiency ratio | 60.7294% | 3,515 |
| Assets per employee ($millions) | 4.1312% | 3,710 |
| Cash dividends to net income (ytd only)* | 77.7208% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,351 |
| Loan loss allowance to noncurrent loans | 73.0588% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 1,033 |
| Noncurrent loans to loans | 1.6791% | 870 |
| Net loans and leases to total assets | 67.2386% | 2,893 |
| Net loans and leases to deposits | 86.3319% | 2,158 |
| Net loans and leases to core deposits | 94.8785% | 2,092 |
| Total domestic deposits to total assets | 77.8839% | 4,367 |
| Equity capital to assets | 14.9485% | 857 |
| Core capital (leverage) ratio | 14.3260% | 898 |
| Tier 1 risk-based capital ratio | 19.7915% | 1,401 |
| Total risk-based capital ratio | 20.9409% | 1,386 |
| Memoranda: | ||
| Average total assets | $76,220,250 | 4,401 |
| Average earning assets | $72,714,250 | 4,359 |
| Average equity | $11,057,250 | 4,151 |
| Average total loans | $48,844,250 | 4,261 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 1,631 |
| Cost of funding earning assets | 0.7335% | 2,980 |
| Net interest margin | 4.2100% | 1,338 |
| Noninterest income to average assets | 0.4060% | 3,234 |
| Noninterest expense to average assets | 2.7434% | 2,774 |
| Loan and lease loss provision to assets | 0.1536% | 1,188 |
| Net operating income to assets | 1.3074% | 1,741 |
| Return on assets (ROA) | 1.2962% | 1,848 |
| Pretax return on assets | 1.5148% | 1,813 |
| Return on Equity (ROE) | 9.0236% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.3997% | 2,578 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0000% | 3,432 |
| Assets per employee ($millions) | 4.2814% | 3,459 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,486 |
| Loan loss allowance to noncurrent loans | 36.1552% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.2812% | 354 |
| Noncurrent loans to loans | 3.3400% | 270 |
| Net loans and leases to total assets | 65.2856% | 3,192 |
| Net loans and leases to deposits | 82.8457% | 2,640 |
| Net loans and leases to core deposits | 92.3208% | 2,384 |
| Total domestic deposits to total assets | 78.8039% | 4,253 |
| Equity capital to assets | 14.6965% | 892 |
| Core capital (leverage) ratio | 14.3113% | 876 |
| Tier 1 risk-based capital ratio | 19.8736% | 1,372 |
| Total risk-based capital ratio | 20.9944% | 1,366 |
| Memoranda: | ||
| Average total assets | $76,839,670 | 4,424 |
| Average earning assets | $73,349,000 | 4,384 |
| Average equity | $11,037,670 | 4,165 |
| Average total loans | $48,252,000 | 4,294 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 1,940 |
| Cost of funding earning assets | 0.7105% | 2,999 |
| Net interest margin | 4.0771% | 1,616 |
| Noninterest income to average assets | 0.3754% | 3,347 |
| Noninterest expense to average assets | 2.7735% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2564% | 1,862 |
| Return on assets (ROA) | 1.2564% | 1,910 |
| Pretax return on assets | 1.4910% | 1,800 |
| Return on Equity (ROE) | 8.8493% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.1774% | 2,825 |
| Net charge-offs to loans | -0.0171% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0367% | 3,079 |
| Assets per employee ($millions) | 4.0410% | 3,862 |
| Cash dividends to net income (ytd only)* | 41.4938% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,762 |
| Loan loss allowance to noncurrent loans | 42.0497% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.8026% | 582 |
| Noncurrent loans to loans | 2.7749% | 427 |
| Net loans and leases to total assets | 61.5585% | 3,542 |
| Net loans and leases to deposits | 73.3207% | 3,505 |
| Net loans and leases to core deposits | 81.1274% | 3,261 |
| Total domestic deposits to total assets | 83.9579% | 3,059 |
| Equity capital to assets | 14.3529% | 922 |
| Core capital (leverage) ratio | 14.2356% | 886 |
| Tier 1 risk-based capital ratio | 20.4622% | 1,253 |
| Total risk-based capital ratio | 21.5248% | 1,259 |
| Memoranda: | ||
| Average total assets | $76,726,500 | 4,475 |
| Average earning assets | $73,189,500 | 4,428 |
| Average equity | $10,893,500 | 4,209 |
| Average total loans | $46,914,000 | 4,367 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 1,632 |
| Cost of funding earning assets | 0.5784% | 2,867 |
| Net interest margin | 4.1837% | 1,437 |
| Noninterest income to average assets | 0.5247% | 2,690 |
| Noninterest expense to average assets | 2.8227% | 2,611 |
| Loan and lease loss provision to assets | 0.0797% | 2,531 |
| Net operating income to assets | 1.3171% | 1,733 |
| Return on assets (ROA) | 1.3363% | 1,651 |
| Pretax return on assets | 1.5648% | 1,572 |
| Return on Equity (ROE) | 9.4221% | 2,780 |
| Retained earnings to average equity (ytd only) | 3.8026% | 3,482 |
| Net charge-offs to loans | 0.0120% | 3,277 |
| Credit loss provision to net charge-offs | 1,200.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 244.2000% | 385 |
| Efficiency ratio | 63.5087% | 3,263 |
| Assets per employee ($millions) | 4.2597% | 3,530 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,525 |
| Loan loss allowance to noncurrent loans | 41.7104% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 568 |
| Noncurrent loans to loans | 2.8974% | 363 |
| Net loans and leases to total assets | 59.2769% | 3,841 |
| Net loans and leases to deposits | 73.9806% | 3,504 |
| Net loans and leases to core deposits | 78.4486% | 3,541 |
| Total domestic deposits to total assets | 80.1249% | 4,074 |
| Equity capital to assets | 14.0426% | 959 |
| Core capital (leverage) ratio | 14.1614% | 881 |
| Tier 1 risk-based capital ratio | 20.6966% | 1,194 |
| Total risk-based capital ratio | 21.7838% | 1,193 |
| Memoranda: | ||
| Average total assets | $75,283,400 | 4,508 |
| Average earning assets | $70,536,400 | 4,487 |
| Average equity | $10,677,000 | 4,209 |
| Average total loans | $41,697,000 | 4,503 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 1,589 |
| Cost of funding earning assets | 0.5335% | 2,971 |
| Net interest margin | 4.2010% | 1,355 |
| Noninterest income to average assets | 0.5142% | 2,776 |
| Noninterest expense to average assets | 2.7899% | 2,669 |
| Loan and lease loss provision to assets | 0.1068% | 1,872 |
| Net operating income to assets | 1.3244% | 1,760 |
| Return on assets (ROA) | 1.3505% | 1,677 |
| Pretax return on assets | 1.5711% | 1,671 |
| Return on Equity (ROE) | 9.4981% | 2,848 |
| Retained earnings to average equity (ytd only) | 5.7439% | 2,796 |
| Net charge-offs to loans | -0.0033% | 4,149 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8709% | 3,363 |
| Assets per employee ($millions) | 3.5876% | 4,450 |
| Cash dividends to net income (ytd only)* | 39.5259% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,412 |
| Loan loss allowance to noncurrent loans | 33.5923% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.2963% | 412 |
| Noncurrent loans to loans | 3.6888% | 249 |
| Net loans and leases to total assets | 59.4539% | 3,903 |
| Net loans and leases to deposits | 74.2598% | 3,569 |
| Net loans and leases to core deposits | 78.8120% | 3,583 |
| Total domestic deposits to total assets | 80.0621% | 4,106 |
| Equity capital to assets | 14.2224% | 894 |
| Core capital (leverage) ratio | 14.2693% | 869 |
| Tier 1 risk-based capital ratio | 20.9119% | 1,196 |
| Total risk-based capital ratio | 22.0145% | 1,193 |
| Memoranda: | ||
| Average total assets | $74,935,750 | 4,561 |
| Average earning assets | $69,982,000 | 4,541 |
| Average equity | $10,654,500 | 4,247 |
| Average total loans | $40,619,750 | 4,578 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,560 |
| Cost of funding earning assets | 0.5022% | 2,998 |
| Net interest margin | 4.1760% | 1,337 |
| Noninterest income to average assets | 0.5053% | 2,831 |
| Noninterest expense to average assets | 2.8101% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3271% | 1,672 |
| Return on assets (ROA) | 1.3476% | 1,614 |
| Pretax return on assets | 1.5882% | 1,538 |
| Return on Equity (ROE) | 9.4787% | 2,813 |
| Retained earnings to average equity (ytd only) | 5.7173% | 2,715 |
| Net charge-offs to loans | -0.0051% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2421% | 3,286 |
| Assets per employee ($millions) | 3.7369% | 4,302 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,416 |
| Loan loss allowance to noncurrent loans | 44.2681% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5936% | 808 |
| Noncurrent loans to loans | 2.8308% | 420 |
| Net loans and leases to total assets | 52.9283% | 4,417 |
| Net loans and leases to deposits | 63.0019% | 4,352 |
| Net loans and leases to core deposits | 66.6908% | 4,331 |
| Total domestic deposits to total assets | 84.0106% | 3,062 |
| Equity capital to assets | 14.2955% | 863 |
| Core capital (leverage) ratio | 14.2465% | 837 |
| Tier 1 risk-based capital ratio | 22.8338% | 948 |
| Total risk-based capital ratio | 23.9256% | 949 |
| Memoranda: | ||
| Average total assets | $74,801,330 | 4,612 |
| Average earning assets | $69,301,330 | 4,600 |
| Average equity | $10,634,330 | 4,288 |
| Average total loans | $39,041,670 | 4,668 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 1,349 |
| Cost of funding earning assets | 0.4985% | 2,805 |
| Net interest margin | 4.1828% | 1,209 |
| Noninterest income to average assets | 0.5666% | 2,437 |
| Noninterest expense to average assets | 2.8597% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3338% | 1,527 |
| Return on assets (ROA) | 1.3737% | 1,425 |
| Pretax return on assets | 1.6570% | 1,223 |
| Return on Equity (ROE) | 9.6894% | 2,590 |
| Retained earnings to average equity (ytd only) | 5.9192% | 2,747 |
| Net charge-offs to loans | -0.0208% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9952% | 3,482 |
| Assets per employee ($millions) | 3.9665% | 4,033 |
| Cash dividends to net income (ytd only)* | 38.9105% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,144 |
| Loan loss allowance to noncurrent loans | 838.3333% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,302 |
| Noncurrent loans to loans | 0.1576% | 4,272 |
| Net loans and leases to total assets | 49.8560% | 4,568 |
| Net loans and leases to deposits | 59.2176% | 4,524 |
| Net loans and leases to core deposits | 62.3763% | 4,530 |
| Total domestic deposits to total assets | 84.1912% | 3,242 |
| Equity capital to assets | 14.0308% | 886 |
| Core capital (leverage) ratio | 13.8311% | 909 |
| Tier 1 risk-based capital ratio | 24.5257% | 789 |
| Total risk-based capital ratio | 25.7174% | 776 |
| Memoranda: | ||
| Average total assets | $74,833,500 | 4,661 |
| Average earning assets | $69,809,500 | 4,643 |
| Average equity | $10,609,500 | 4,335 |
| Average total loans | $38,533,000 | 4,739 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 759 |
| Cost of funding earning assets | 0.5050% | 2,283 |
| Net interest margin | 4.4193% | 733 |
| Noninterest income to average assets | 0.5757% | 2,577 |
| Noninterest expense to average assets | 2.8032% | 2,760 |
| Loan and lease loss provision to assets | 0.0684% | 2,835 |
| Net operating income to assets | 1.7175% | 508 |
| Return on assets (ROA) | 1.7175% | 523 |
| Pretax return on assets | 1.8802% | 627 |
| Return on Equity (ROE) | 12.1899% | 1,160 |
| Retained earnings to average equity (ytd only) | 6.3667% | 1,345 |
| Net charge-offs to loans | 0.0624% | 2,583 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 988 |
| Efficiency ratio | 58.9928% | 4,416 |
| Assets per employee ($millions) | 3.9107% | 4,107 |
| Cash dividends to net income (ytd only)* | 47.7707% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,292 |
| Loan loss allowance to noncurrent loans | 180.8664% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,070 |
| Noncurrent loans to loans | 0.7104% | 2,430 |
| Net loans and leases to total assets | 51.7994% | 4,531 |
| Net loans and leases to deposits | 61.7484% | 4,475 |
| Net loans and leases to core deposits | 65.3819% | 4,455 |
| Total domestic deposits to total assets | 83.8878% | 3,248 |
| Equity capital to assets | 14.3263% | 827 |
| Core capital (leverage) ratio | 14.0986% | 815 |
| Tier 1 risk-based capital ratio | 22.8153% | 932 |
| Total risk-based capital ratio | 23.9363% | 926 |
| Memoranda: | ||
| Average total assets | $73,130,800 | 4,724 |
| Average earning assets | $69,105,400 | 4,681 |
| Average equity | $10,303,600 | 4,403 |
| Average total loans | $40,082,800 | 4,733 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 824 |
| Cost of funding earning assets | 0.5019% | 2,244 |
| Net interest margin | 4.3598% | 805 |
| Noninterest income to average assets | 0.5473% | 2,741 |
| Noninterest expense to average assets | 2.7952% | 2,745 |
| Loan and lease loss provision to assets | 0.0860% | 2,371 |
| Net operating income to assets | 1.4022% | 1,080 |
| Return on assets (ROA) | 1.4022% | 1,105 |
| Pretax return on assets | 1.8324% | 814 |
| Return on Equity (ROE) | 9.9950% | 2,133 |
| Retained earnings to average equity (ytd only) | 4.7757% | 3,032 |
| Net charge-offs to loans | 0.0496% | 2,437 |
| Credit loss provision to net charge-offs | 313.3333% | 953 |
| Earnings coverage of net charge-offs (x) | 69.8650% | 894 |
| Efficiency ratio | 59.3010% | 4,317 |
| Assets per employee ($millions) | 3.8134% | 4,295 |
| Cash dividends to net income (ytd only)* | 52.2192% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,857 |
| Loan loss allowance to noncurrent loans | 996.0784% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,519 |
| Noncurrent loans to loans | 0.1217% | 4,574 |
| Net loans and leases to total assets | 57.1300% | 4,145 |
| Net loans and leases to deposits | 68.7946% | 4,053 |
| Net loans and leases to core deposits | 72.9855% | 4,058 |
| Total domestic deposits to total assets | 83.0444% | 3,438 |
| Equity capital to assets | 14.4588% | 866 |
| Core capital (leverage) ratio | 13.6063% | 987 |
| Tier 1 risk-based capital ratio | 21.1668% | 1,168 |
| Total risk-based capital ratio | 22.2523% | 1,169 |
| Memoranda: | ||
| Average total assets | $72,837,500 | 4,776 |
| Average earning assets | $69,604,250 | 4,726 |
| Average equity | $10,218,250 | 4,457 |
| Average total loans | $40,356,000 | 4,767 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 868 |
| Cost of funding earning assets | 0.5018% | 2,150 |
| Net interest margin | 4.2929% | 880 |
| Noninterest income to average assets | 0.5043% | 2,999 |
| Noninterest expense to average assets | 2.8287% | 2,652 |
| Loan and lease loss provision to assets | 0.0767% | 2,447 |
| Net operating income to assets | 1.3513% | 1,175 |
| Return on assets (ROA) | 1.3513% | 1,201 |
| Pretax return on assets | 1.7022% | 1,055 |
| Return on Equity (ROE) | 9.7312% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.7835% | 2,239 |
| Net charge-offs to loans | 0.0201% | 2,836 |
| Credit loss provision to net charge-offs | 700.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 162.2500% | 472 |
| Efficiency ratio | 61.3920% | 4,101 |
| Assets per employee ($millions) | 3.6944% | 4,445 |
| Cash dividends to net income (ytd only)* | 40.5680% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,949 |
| Loan loss allowance to noncurrent loans | 434.7826% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 4,220 |
| Noncurrent loans to loans | 0.2785% | 4,044 |
| Net loans and leases to total assets | 55.2079% | 4,294 |
| Net loans and leases to deposits | 66.2466% | 4,206 |
| Net loans and leases to core deposits | 70.1713% | 4,211 |
| Total domestic deposits to total assets | 83.3369% | 3,454 |
| Equity capital to assets | 14.1552% | 918 |
| Core capital (leverage) ratio | 13.7989% | 912 |
| Tier 1 risk-based capital ratio | 21.0029% | 1,181 |
| Total risk-based capital ratio | 22.0709% | 1,192 |
| Memoranda: | ||
| Average total assets | $72,965,330 | 4,802 |
| Average earning assets | $69,742,670 | 4,753 |
| Average equity | $10,132,330 | 4,490 |
| Average total loans | $39,841,000 | 4,813 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 778 |
| Cost of funding earning assets | 0.5077% | 2,023 |
| Net interest margin | 4.2748% | 839 |
| Noninterest income to average assets | 0.4965% | 3,007 |
| Noninterest expense to average assets | 2.8302% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4179% | 964 |
| Return on assets (ROA) | 1.4179% | 992 |
| Pretax return on assets | 1.7544% | 896 |
| Return on Equity (ROE) | 10.3120% | 1,820 |
| Retained earnings to average equity (ytd only) | 6.2995% | 2,188 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7329% | 4,190 |
| Assets per employee ($millions) | 3.8463% | 4,266 |
| Cash dividends to net income (ytd only)* | 38.9105% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 3,020 |
| Loan loss allowance to noncurrent loans | 203.4188% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 3,605 |
| Noncurrent loans to loans | 0.5990% | 3,020 |
| Net loans and leases to total assets | 52.8010% | 4,445 |
| Net loans and leases to deposits | 62.9026% | 4,374 |
| Net loans and leases to core deposits | 66.6327% | 4,388 |
| Total domestic deposits to total assets | 83.9409% | 3,499 |
| Equity capital to assets | 13.7917% | 974 |
| Core capital (leverage) ratio | 13.2870% | 1,042 |
| Tier 1 risk-based capital ratio | 21.4888% | 1,153 |
| Total risk-based capital ratio | 22.5437% | 1,162 |
| Memoranda: | ||
| Average total assets | $72,504,000 | 4,864 |
| Average earning assets | $69,337,000 | 4,799 |
| Average equity | $9,969,000 | 4,549 |
| Average total loans | $39,115,500 | 4,881 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,015 |
| Cost of funding earning assets | 0.5059% | 2,043 |
| Net interest margin | 4.2192% | 1,072 |
| Noninterest income to average assets | 0.5717% | 2,804 |
| Noninterest expense to average assets | 2.8472% | 2,855 |
| Loan and lease loss provision to assets | 0.0843% | 2,673 |
| Net operating income to assets | 1.3597% | 1,078 |
| Return on assets (ROA) | 1.3597% | 1,127 |
| Pretax return on assets | 1.6701% | 1,084 |
| Return on Equity (ROE) | 9.5475% | 2,168 |
| Retained earnings to average equity (ytd only) | 3.6296% | 3,339 |
| Net charge-offs to loans | 0.0054% | 4,065 |
| Credit loss provision to net charge-offs | 3,000.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 624.5000% | 133 |
| Efficiency ratio | 61.8742% | 4,276 |
| Assets per employee ($millions) | 3.7857% | 4,330 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,028 |
| Loan loss allowance to noncurrent loans | 328.2759% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 4,151 |
| Noncurrent loans to loans | 0.3702% | 3,797 |
| Net loans and leases to total assets | 53.7927% | 4,455 |
| Net loans and leases to deposits | 63.9041% | 4,422 |
| Net loans and leases to core deposits | 68.1389% | 4,391 |
| Total domestic deposits to total assets | 84.1772% | 3,359 |
| Equity capital to assets | 13.7068% | 981 |
| Core capital (leverage) ratio | 13.6234% | 923 |
| Tier 1 risk-based capital ratio | 21.0019% | 1,205 |
| Total risk-based capital ratio | 22.0498% | 1,216 |
| Memoranda: | ||
| Average total assets | $71,192,400 | 4,907 |
| Average earning assets | $67,998,200 | 4,848 |
| Average equity | $10,138,800 | 4,548 |
| Average total loans | $36,760,000 | 4,992 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 1,076 |
| Cost of funding earning assets | 0.5051% | 2,056 |
| Net interest margin | 4.1899% | 1,143 |
| Noninterest income to average assets | 0.5351% | 3,009 |
| Noninterest expense to average assets | 2.7789% | 3,083 |
| Loan and lease loss provision to assets | 0.0751% | 2,717 |
| Net operating income to assets | 1.3726% | 1,123 |
| Return on assets (ROA) | 1.3726% | 1,190 |
| Pretax return on assets | 1.6843% | 1,156 |
| Return on Equity (ROE) | 9.5471% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.3230% | 3,246 |
| Net charge-offs to loans | 0.0074% | 3,659 |
| Credit loss provision to net charge-offs | 2,000.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 467.9026% | 189 |
| Efficiency ratio | 61.2329% | 4,349 |
| Assets per employee ($millions) | 3.8734% | 4,179 |
| Cash dividends to net income (ytd only)* | 54.7197% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 3,271 |
| Loan loss allowance to noncurrent loans | 250.5495% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 4,034 |
| Noncurrent loans to loans | 0.4770% | 3,583 |
| Net loans and leases to total assets | 54.0712% | 4,487 |
| Net loans and leases to deposits | 65.5897% | 4,382 |
| Net loans and leases to core deposits | 69.8466% | 4,338 |
| Total domestic deposits to total assets | 82.4386% | 3,799 |
| Equity capital to assets | 14.8449% | 776 |
| Core capital (leverage) ratio | 13.8622% | 889 |
| Tier 1 risk-based capital ratio | 21.5964% | 1,180 |
| Total risk-based capital ratio | 22.6328% | 1,193 |
| Memoranda: | ||
| Average total assets | $71,008,500 | 4,952 |
| Average earning assets | $67,843,500 | 4,890 |
| Average equity | $10,208,750 | 4,581 |
| Average total loans | $36,158,000 | 5,060 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 1,268 |
| Cost of funding earning assets | 0.5034% | 2,079 |
| Net interest margin | 4.0945% | 1,381 |
| Noninterest income to average assets | 0.4759% | 3,366 |
| Noninterest expense to average assets | 2.7492% | 3,203 |
| Loan and lease loss provision to assets | 0.0560% | 3,025 |
| Net operating income to assets | 1.2878% | 1,309 |
| Return on assets (ROA) | 1.2878% | 1,423 |
| Pretax return on assets | 1.5874% | 1,406 |
| Return on Equity (ROE) | 9.0536% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.1173% | 2,656 |
| Net charge-offs to loans | -0.0113% | 4,737 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5876% | 4,254 |
| Assets per employee ($millions) | 3.5104% | 4,739 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 3,356 |
| Loan loss allowance to noncurrent loans | 147.6510% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 3,526 |
| Noncurrent loans to loans | 0.8133% | 2,712 |
| Net loans and leases to total assets | 51.5625% | 4,709 |
| Net loans and leases to deposits | 62.4877% | 4,616 |
| Net loans and leases to core deposits | 64.9031% | 4,686 |
| Total domestic deposits to total assets | 82.5162% | 3,830 |
| Equity capital to assets | 14.7789% | 793 |
| Core capital (leverage) ratio | 13.4577% | 998 |
| Tier 1 risk-based capital ratio | 21.9348% | 1,143 |
| Total risk-based capital ratio | 22.9585% | 1,153 |
| Memoranda: | ||
| Average total assets | $71,437,670 | 4,998 |
| Average earning assets | $68,336,000 | 4,928 |
| Average equity | $10,161,670 | 4,614 |
| Average total loans | $35,492,330 | 5,123 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 1,504 |
| Cost of funding earning assets | 0.4993% | 2,112 |
| Net interest margin | 4.0003% | 1,615 |
| Noninterest income to average assets | 0.4941% | 3,161 |
| Noninterest expense to average assets | 2.7313% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2713% | 1,332 |
| Return on assets (ROA) | 1.2713% | 1,431 |
| Pretax return on assets | 1.5877% | 1,331 |
| Return on Equity (ROE) | 9.1103% | 2,368 |
| Retained earnings to average equity (ytd only) | 5.1320% | 2,853 |
| Net charge-offs to loans | -0.0229% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2391% | 4,271 |
| Assets per employee ($millions) | 3.8048% | 4,288 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,499 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,494 |
| Noncurrent loans to loans | 0.3847% | 4,063 |
| Net loans and leases to total assets | 47.9576% | 4,970 |
| Net loans and leases to deposits | 57.5114% | 4,885 |
| Net loans and leases to core deposits | 59.8991% | 4,946 |
| Total domestic deposits to total assets | 83.3880% | 3,756 |
| Equity capital to assets | 14.0225% | 975 |
| Core capital (leverage) ratio | 13.0250% | 1,150 |
| Tier 1 risk-based capital ratio | 21.9698% | 1,164 |
| Total risk-based capital ratio | 22.9624% | 1,186 |
| Memoranda: | ||
| Average total assets | $72,052,500 | 5,025 |
| Average earning assets | $68,894,000 | 4,956 |
| Average equity | $10,054,500 | 4,650 |
| Average total loans | $34,918,000 | 5,179 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 1,154 |
| Cost of funding earning assets | 0.4935% | 2,217 |
| Net interest margin | 4.1853% | 1,198 |
| Noninterest income to average assets | 0.5689% | 2,907 |
| Noninterest expense to average assets | 2.8572% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4289% | 989 |
| Return on assets (ROA) | 1.5085% | 883 |
| Pretax return on assets | 1.8029% | 803 |
| Return on Equity (ROE) | 10.9495% | 1,633 |
| Retained earnings to average equity (ytd only) | 4.7866% | 2,589 |
| Net charge-offs to loans | -0.0292% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5852% | 4,520 |
| Assets per employee ($millions) | 3.7797% | 4,320 |
| Cash dividends to net income (ytd only)* | 56.2852% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,463 |
| Loan loss allowance to noncurrent loans | 146.6667% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 3,721 |
| Noncurrent loans to loans | 0.8202% | 2,732 |
| Net loans and leases to total assets | 47.8027% | 5,028 |
| Net loans and leases to deposits | 57.2570% | 4,964 |
| Net loans and leases to core deposits | 59.6393% | 5,005 |
| Total domestic deposits to total assets | 83.4879% | 3,679 |
| Equity capital to assets | 13.8859% | 972 |
| Core capital (leverage) ratio | 13.3281% | 1,028 |
| Tier 1 risk-based capital ratio | 21.4277% | 1,225 |
| Total risk-based capital ratio | 22.4047% | 1,250 |
| Memoranda: | ||
| Average total assets | $70,664,000 | 5,078 |
| Average earning assets | $67,474,400 | 4,996 |
| Average equity | $9,735,600 | 4,701 |
| Average total loans | $34,221,400 | 5,216 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,142 |
| Cost of funding earning assets | 0.4954% | 2,256 |
| Net interest margin | 4.1809% | 1,211 |
| Noninterest income to average assets | 0.5153% | 3,259 |
| Noninterest expense to average assets | 2.7584% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4569% | 996 |
| Return on assets (ROA) | 1.4569% | 1,037 |
| Pretax return on assets | 1.7543% | 983 |
| Return on Equity (ROE) | 10.5959% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.0844% | 2,855 |
| Net charge-offs to loans | -0.0391% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1251% | 4,704 |
| Assets per employee ($millions) | 3.5604% | 4,688 |
| Cash dividends to net income (ytd only)* | 52.0155% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,686 |
| Loan loss allowance to noncurrent loans | 42.6096% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 1,439 |
| Noncurrent loans to loans | 2.8053% | 664 |
| Net loans and leases to total assets | 51.0754% | 4,846 |
| Net loans and leases to deposits | 61.7534% | 4,737 |
| Net loans and leases to core deposits | 64.2045% | 4,805 |
| Total domestic deposits to total assets | 82.7088% | 3,918 |
| Equity capital to assets | 14.5062% | 855 |
| Core capital (leverage) ratio | 13.3731% | 1,065 |
| Tier 1 risk-based capital ratio | 21.1952% | 1,311 |
| Total risk-based capital ratio | 22.1718% | 1,330 |
| Memoranda: | ||
| Average total assets | $70,376,500 | 5,146 |
| Average earning assets | $67,288,000 | 5,067 |
| Average equity | $9,676,500 | 4,776 |
| Average total loans | $34,090,000 | 5,277 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,370 |
| Cost of funding earning assets | 0.4896% | 2,354 |
| Net interest margin | 4.0725% | 1,434 |
| Noninterest income to average assets | 0.4545% | 3,664 |
| Noninterest expense to average assets | 2.7102% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3775% | 1,135 |
| Return on assets (ROA) | 1.3775% | 1,177 |
| Pretax return on assets | 1.6413% | 1,216 |
| Return on Equity (ROE) | 10.1962% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.0430% | 2,222 |
| Net charge-offs to loans | -0.0592% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2824% | 4,639 |
| Assets per employee ($millions) | 3.7111% | 4,404 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,746 |
| Loan loss allowance to noncurrent loans | 174.1667% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 4,176 |
| Noncurrent loans to loans | 0.6933% | 3,413 |
| Net loans and leases to total assets | 48.5052% | 5,052 |
| Net loans and leases to deposits | 57.8834% | 5,000 |
| Net loans and leases to core deposits | 60.0988% | 5,069 |
| Total domestic deposits to total assets | 83.7980% | 3,652 |
| Equity capital to assets | 13.6718% | 1,100 |
| Core capital (leverage) ratio | 12.7366% | 1,279 |
| Tier 1 risk-based capital ratio | 21.0977% | 1,339 |
| Total risk-based capital ratio | 22.0783% | 1,375 |
| Memoranda: | ||
| Average total assets | $71,286,330 | 5,175 |
| Average earning assets | $68,213,330 | 5,090 |
| Average equity | $9,631,000 | 4,814 |
| Average total loans | $33,797,000 | 5,332 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,521 |
| Cost of funding earning assets | 0.4848% | 2,421 |
| Net interest margin | 3.9951% | 1,574 |
| Noninterest income to average assets | 0.5469% | 2,971 |
| Noninterest expense to average assets | 2.7569% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3729% | 1,084 |
| Return on assets (ROA) | 1.3729% | 1,144 |
| Pretax return on assets | 1.6073% | 1,254 |
| Return on Equity (ROE) | 10.2218% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.0666% | 2,453 |
| Net charge-offs to loans | -0.1198% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1714% | 4,602 |
| Assets per employee ($millions) | 4.0183% | 3,923 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 3,482 |
| Loan loss allowance to noncurrent loans | 152.0000% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 4,133 |
| Noncurrent loans to loans | 0.8462% | 3,130 |
| Net loans and leases to total assets | 44.3550% | 5,325 |
| Net loans and leases to deposits | 52.8865% | 5,277 |
| Net loans and leases to core deposits | 54.8964% | 5,321 |
| Total domestic deposits to total assets | 83.8684% | 3,861 |
| Equity capital to assets | 13.4771% | 1,180 |
| Core capital (leverage) ratio | 12.3863% | 1,405 |
| Tier 1 risk-based capital ratio | 21.3406% | 1,362 |
| Total risk-based capital ratio | 22.3486% | 1,378 |
| Memoranda: | ||
| Average total assets | $71,674,500 | 5,207 |
| Average earning assets | $68,484,000 | 5,131 |
| Average equity | $9,626,500 | 4,862 |
| Average total loans | $33,386,000 | 5,390 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 1,322 |
| Cost of funding earning assets | 0.4857% | 2,824 |
| Net interest margin | 4.2087% | 1,275 |
| Noninterest income to average assets | 0.5001% | 3,510 |
| Noninterest expense to average assets | 2.7870% | 3,533 |
| Loan and lease loss provision to assets | 0.1166% | 2,226 |
| Net operating income to assets | 1.4468% | 989 |
| Return on assets (ROA) | 1.4174% | 1,073 |
| Pretax return on assets | 1.5564% | 1,366 |
| Return on Equity (ROE) | 11.2725% | 1,627 |
| Retained earnings to average equity (ytd only) | 5.6865% | 2,142 |
| Net charge-offs to loans | 0.0290% | 4,242 |
| Credit loss provision to net charge-offs | 922.2222% | 294 |
| Earnings coverage of net charge-offs (x) | 134.8889% | 399 |
| Efficiency ratio | 62.0388% | 4,910 |
| Assets per employee ($millions) | 3.7378% | 4,464 |
| Cash dividends to net income (ytd only)* | 49.5540% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 5,642 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.6830% | 5,184 |
| Net loans and leases to deposits | 56.7303% | 5,136 |
| Net loans and leases to core deposits | 58.9165% | 5,206 |
| Total domestic deposits to total assets | 84.0522% | 3,698 |
| Equity capital to assets | 13.3837% | 1,202 |
| Core capital (leverage) ratio | 12.5093% | 1,351 |
| Tier 1 risk-based capital ratio | 20.2820% | 1,534 |
| Total risk-based capital ratio | 21.2328% | 1,574 |
| Memoranda: | ||
| Average total assets | $71,188,000 | 5,252 |
| Average earning assets | $67,527,200 | 5,186 |
| Average equity | $8,951,000 | 4,985 |
| Average total loans | $30,991,000 | 5,529 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 1,587 |
| Cost of funding earning assets | 0.4836% | 2,918 |
| Net interest margin | 4.1080% | 1,556 |
| Noninterest income to average assets | 0.4998% | 3,546 |
| Noninterest expense to average assets | 2.6935% | 3,844 |
| Loan and lease loss provision to assets | 0.1516% | 1,644 |
| Net operating income to assets | 1.3682% | 1,202 |
| Return on assets (ROA) | 1.3945% | 1,185 |
| Pretax return on assets | 1.5798% | 1,391 |
| Return on Equity (ROE) | 11.2716% | 1,696 |
| Retained earnings to average equity (ytd only) | 6.7327% | 1,964 |
| Net charge-offs to loans | 0.0354% | 3,780 |
| Credit loss provision to net charge-offs | 1,012.5000% | 322 |
| Earnings coverage of net charge-offs (x) | 113.5867% | 522 |
| Efficiency ratio | 61.2862% | 4,991 |
| Assets per employee ($millions) | 3.7241% | 4,444 |
| Cash dividends to net income (ytd only)* | 40.2684% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 4,292 |
| Loan loss allowance to noncurrent loans | 53.6232% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 2,611 |
| Noncurrent loans to loans | 2.2162% | 1,366 |
| Net loans and leases to total assets | 47.8271% | 5,222 |
| Net loans and leases to deposits | 61.0287% | 4,847 |
| Net loans and leases to core deposits | 63.5607% | 4,919 |
| Total domestic deposits to total assets | 78.3682% | 5,454 |
| Equity capital to assets | 13.2793% | 1,287 |
| Core capital (leverage) ratio | 12.1493% | 1,604 |
| Tier 1 risk-based capital ratio | 20.2312% | 1,610 |
| Total risk-based capital ratio | 21.1842% | 1,663 |
| Memoranda: | ||
| Average total assets | $71,230,250 | 5,308 |
| Average earning assets | $67,541,000 | 5,241 |
| Average equity | $8,812,500 | 5,061 |
| Average total loans | $30,170,750 | 5,612 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 1,799 |
| Cost of funding earning assets | 0.4770% | 3,047 |
| Net interest margin | 4.0326% | 1,715 |
| Noninterest income to average assets | 0.4286% | 4,036 |
| Noninterest expense to average assets | 2.6531% | 4,039 |
| Loan and lease loss provision to assets | 0.1401% | 1,770 |
| Net operating income to assets | 1.2915% | 1,335 |
| Return on assets (ROA) | 1.2915% | 1,388 |
| Pretax return on assets | 1.4484% | 1,720 |
| Return on Equity (ROE) | 10.6985% | 1,844 |
| Retained earnings to average equity (ytd only) | 6.0571% | 2,284 |
| Net charge-offs to loans | -0.0069% | 5,236 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5495% | 4,935 |
| Assets per employee ($millions) | 3.8463% | 4,168 |
| Cash dividends to net income (ytd only)* | 43.3839% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 4,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 5,877 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 43.0432% | 5,602 |
| Net loans and leases to deposits | 53.8326% | 5,373 |
| Net loans and leases to core deposits | 55.9915% | 5,415 |
| Total domestic deposits to total assets | 79.9576% | 5,245 |
| Equity capital to assets | 12.3864% | 1,714 |
| Core capital (leverage) ratio | 12.1192% | 1,590 |
| Tier 1 risk-based capital ratio | 20.1637% | 1,646 |
| Total risk-based capital ratio | 21.0820% | 1,693 |
| Memoranda: | ||
| Average total assets | $71,388,000 | 5,350 |
| Average earning assets | $67,499,330 | 5,284 |
| Average equity | $8,618,000 | 5,131 |
| Average total loans | $28,811,670 | 5,706 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 2,017 |
| Cost of funding earning assets | 0.4870% | 3,040 |
| Net interest margin | 3.9444% | 1,944 |
| Noninterest income to average assets | 0.4026% | 4,164 |
| Noninterest expense to average assets | 2.7048% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2872% | 1,250 |
| Return on assets (ROA) | 1.2872% | 1,296 |
| Pretax return on assets | 1.4176% | 1,686 |
| Return on Equity (ROE) | 10.8082% | 1,751 |
| Retained earnings to average equity (ytd only) | 6.0469% | 2,517 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6121% | 4,597 |
| Assets per employee ($millions) | 3.9173% | 4,110 |
| Cash dividends to net income (ytd only)* | 44.0529% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,493 |
| Loan loss allowance to noncurrent loans | 902.7027% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 5,795 |
| Noncurrent loans to loans | 0.1362% | 5,699 |
| Net loans and leases to total assets | 38.0488% | 5,941 |
| Net loans and leases to deposits | 44.4056% | 5,957 |
| Net loans and leases to core deposits | 46.1217% | 5,980 |
| Total domestic deposits to total assets | 85.6847% | 3,522 |
| Equity capital to assets | 12.2603% | 1,710 |
| Core capital (leverage) ratio | 11.7813% | 1,776 |
| Tier 1 risk-based capital ratio | 22.1692% | 1,264 |
| Total risk-based capital ratio | 23.0598% | 1,296 |
| Memoranda: | ||
| Average total assets | $70,542,000 | 5,424 |
| Average earning assets | $66,524,500 | 5,360 |
| Average equity | $8,401,000 | 5,199 |
| Average total loans | $27,297,000 | 5,838 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,428 |
| Cost of funding earning assets | 0.5044% | 3,565 |
| Net interest margin | 3.9378% | 2,145 |
| Noninterest income to average assets | 0.6138% | 3,005 |
| Noninterest expense to average assets | 2.6270% | 4,366 |
| Loan and lease loss provision to assets | 0.1009% | 3,118 |
| Net operating income to assets | 1.4231% | 978 |
| Return on assets (ROA) | 1.5344% | 806 |
| Pretax return on assets | 1.7504% | 850 |
| Return on Equity (ROE) | 12.7826% | 1,212 |
| Retained earnings to average equity (ytd only) | 6.8647% | 1,496 |
| Net charge-offs to loans | -0.0583% | 6,362 |
| Credit loss provision to net charge-offs | -473.3333% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3657% | 5,420 |
| Assets per employee ($millions) | 3.7143% | 4,448 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 4,553 |
| Loan loss allowance to noncurrent loans | 2,226.6667% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 5,977 |
| Noncurrent loans to loans | 0.0547% | 6,067 |
| Net loans and leases to total assets | 38.3962% | 6,062 |
| Net loans and leases to deposits | 44.2443% | 6,111 |
| Net loans and leases to core deposits | 45.5396% | 6,156 |
| Total domestic deposits to total assets | 86.7823% | 2,840 |
| Equity capital to assets | 11.5584% | 2,123 |
| Core capital (leverage) ratio | 11.9884% | 1,616 |
| Tier 1 risk-based capital ratio | 21.5223% | 1,336 |
| Total risk-based capital ratio | 22.3976% | 1,375 |
| Memoranda: | ||
| Average total assets | $70,385,400 | 5,464 |
| Average earning assets | $66,814,400 | 5,380 |
| Average equity | $8,449,000 | 5,228 |
| Average total loans | $25,747,400 | 5,946 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 2,641 |
| Cost of funding earning assets | 0.5066% | 3,709 |
| Net interest margin | 3.8797% | 2,345 |
| Noninterest income to average assets | 0.4834% | 3,914 |
| Noninterest expense to average assets | 2.5306% | 4,620 |
| Loan and lease loss provision to assets | 0.1346% | 2,596 |
| Net operating income to assets | 1.3393% | 1,247 |
| Return on assets (ROA) | 1.5278% | 899 |
| Pretax return on assets | 1.7344% | 1,028 |
| Return on Equity (ROE) | 12.6102% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.9166% | 1,443 |
| Net charge-offs to loans | -0.0684% | 6,399 |
| Credit loss provision to net charge-offs | -546.1538% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4620% | 5,364 |
| Assets per employee ($millions) | 3.6102% | 4,640 |
| Cash dividends to net income (ytd only)* | 37.2208% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 5,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 6,139 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 41.2025% | 5,956 |
| Net loans and leases to deposits | 49.4463% | 5,873 |
| Net loans and leases to core deposits | 51.2308% | 5,935 |
| Total domestic deposits to total assets | 83.3277% | 4,449 |
| Equity capital to assets | 11.7257% | 2,110 |
| Core capital (leverage) ratio | 11.9996% | 1,670 |
| Tier 1 risk-based capital ratio | 21.1647% | 1,468 |
| Total risk-based capital ratio | 22.0332% | 1,509 |
| Memoranda: | ||
| Average total assets | $70,338,750 | 5,517 |
| Average earning assets | $67,116,750 | 5,427 |
| Average equity | $8,522,000 | 5,265 |
| Average total loans | $25,326,500 | 6,020 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 3,057 |
| Cost of funding earning assets | 0.5056% | 3,846 |
| Net interest margin | 3.7696% | 2,675 |
| Noninterest income to average assets | 0.4089% | 4,459 |
| Noninterest expense to average assets | 2.5296% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3428% | 1,217 |
| Return on assets (ROA) | 1.6328% | 770 |
| Pretax return on assets | 1.7936% | 945 |
| Return on Equity (ROE) | 13.3384% | 1,160 |
| Retained earnings to average equity (ytd only) | 8.7310% | 1,212 |
| Net charge-offs to loans | 0.0165% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 261.5000% | 197 |
| Efficiency ratio | 63.1690% | 4,995 |
| Assets per employee ($millions) | 3.5655% | 4,718 |
| Cash dividends to net income (ytd only)* | 34.5423% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 5,854 |
| Loan loss allowance to noncurrent loans | 6,150.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 6,175 |
| Noncurrent loans to loans | 0.0161% | 6,377 |
| Net loans and leases to total assets | 36.2329% | 6,286 |
| Net loans and leases to deposits | 43.9436% | 6,233 |
| Net loans and leases to core deposits | 45.5610% | 6,249 |
| Total domestic deposits to total assets | 82.4533% | 4,893 |
| Equity capital to assets | 12.1278% | 1,828 |
| Core capital (leverage) ratio | 11.8005% | 1,724 |
| Tier 1 risk-based capital ratio | 22.3925% | 1,223 |
| Total risk-based capital ratio | 23.0808% | 1,292 |
| Memoranda: | ||
| Average total assets | $70,920,670 | 5,542 |
| Average earning assets | $67,646,670 | 5,453 |
| Average equity | $8,681,670 | 5,253 |
| Average total loans | $24,237,330 | 6,108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 3,505 |
| Cost of funding earning assets | 0.5037% | 4,048 |
| Net interest margin | 3.6478% | 3,081 |
| Noninterest income to average assets | 0.3972% | 4,476 |
| Noninterest expense to average assets | 2.4880% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1011% | 1,850 |
| Return on assets (ROA) | 1.5998% | 773 |
| Pretax return on assets | 2.0080% | 584 |
| Return on Equity (ROE) | 13.0125% | 1,170 |
| Retained earnings to average equity (ytd only) | 8.5254% | 1,551 |
| Net charge-offs to loans | 0.0167% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 153 |
| Efficiency ratio | 64.2450% | 4,970 |
| Assets per employee ($millions) | 3.8416% | 4,271 |
| Cash dividends to net income (ytd only)* | 34.4828% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 5,447 |
| Loan loss allowance to noncurrent loans | 1,764.2857% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 6,235 |
| Noncurrent loans to loans | 0.0645% | 6,288 |
| Net loans and leases to total assets | 29.3766% | 6,628 |
| Net loans and leases to deposits | 34.4937% | 6,618 |
| Net loans and leases to core deposits | 35.6825% | 6,631 |
| Total domestic deposits to total assets | 85.1651% | 3,962 |
| Equity capital to assets | 12.1523% | 1,936 |
| Core capital (leverage) ratio | 11.2103% | 2,085 |
| Tier 1 risk-based capital ratio | 23.2738% | 1,117 |
| Total risk-based capital ratio | 24.0094% | 1,179 |
| Memoranda: | ||
| Average total assets | $72,508,500 | 5,547 |
| Average earning assets | $69,083,500 | 5,461 |
| Average equity | $8,914,500 | 5,237 |
| Average total loans | $23,960,000 | 6,177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 2,442 |
| Cost of funding earning assets | 0.5816% | 4,516 |
| Net interest margin | 4.1537% | 1,805 |
| Noninterest income to average assets | 0.5372% | 3,666 |
| Noninterest expense to average assets | 2.8262% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3081% | 1,279 |
| Return on assets (ROA) | 1.3948% | 1,221 |
| Pretax return on assets | 1.7427% | 1,037 |
| Return on Equity (ROE) | 10.3949% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.7084% | 2,905 |
| Net charge-offs to loans | 0.0825% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 53.5500% | 648 |
| Efficiency ratio | 63.3596% | 5,005 |
| Assets per employee ($millions) | 3.7909% | 4,384 |
| Cash dividends to net income (ytd only)* | 54.7046% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 6,143 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 6,302 |
| Noncurrent loans to loans | 0.0457% | 6,392 |
| Net loans and leases to total assets | 36.0740% | 6,433 |
| Net loans and leases to deposits | 42.6077% | 6,437 |
| Net loans and leases to core deposits | 43.9154% | 6,469 |
| Total domestic deposits to total assets | 84.6655% | 4,005 |
| Equity capital to assets | 12.4384% | 1,757 |
| Core capital (leverage) ratio | 11.5043% | 1,870 |
| Tier 1 risk-based capital ratio | 20.6266% | 1,541 |
| Total risk-based capital ratio | 21.2947% | 1,637 |
| Memoranda: | ||
| Average total assets | $65,530,600 | 5,763 |
| Average earning assets | $61,897,000 | 5,677 |
| Average equity | $8,792,800 | 5,273 |
| Average total loans | $24,233,200 | 6,233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 2,057 |
| Cost of funding earning assets | 0.6010% | 4,639 |
| Net interest margin | 4.2862% | 1,513 |
| Noninterest income to average assets | 0.5570% | 3,560 |
| Noninterest expense to average assets | 2.8499% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3678% | 1,294 |
| Return on assets (ROA) | 1.4834% | 1,165 |
| Pretax return on assets | 1.9027% | 864 |
| Return on Equity (ROE) | 10.8325% | 2,014 |
| Retained earnings to average equity (ytd only) | 6.2618% | 2,515 |
| Net charge-offs to loans | 0.1461% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 32.3424% | 1,038 |
| Efficiency ratio | 61.8940% | 5,163 |
| Assets per employee ($millions) | 3.0479% | 5,966 |
| Cash dividends to net income (ytd only)* | 42.1939% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,201 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 6,453 |
| Noncurrent loans to loans | 0.0080% | 6,656 |
| Net loans and leases to total assets | 38.7339% | 6,376 |
| Net loans and leases to deposits | 47.1161% | 6,312 |
| Net loans and leases to core deposits | 48.7935% | 6,362 |
| Total domestic deposits to total assets | 82.2095% | 4,949 |
| Equity capital to assets | 14.2752% | 1,050 |
| Core capital (leverage) ratio | 12.3464% | 1,477 |
| Tier 1 risk-based capital ratio | 22.2384% | 1,287 |
| Total risk-based capital ratio | 22.9444% | 1,360 |
| Memoranda: | ||
| Average total assets | $63,906,500 | 5,884 |
| Average earning assets | $60,346,750 | 5,791 |
| Average equity | $8,751,250 | 5,339 |
| Average total loans | $23,733,750 | 6,338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 2,392 |
| Cost of funding earning assets | 0.6040% | 4,870 |
| Net interest margin | 4.2244% | 1,684 |
| Noninterest income to average assets | 0.5354% | 3,682 |
| Noninterest expense to average assets | 2.8838% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3563% | 1,297 |
| Return on assets (ROA) | 1.4811% | 1,147 |
| Pretax return on assets | 1.7879% | 1,069 |
| Return on Equity (ROE) | 10.9711% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.3321% | 2,484 |
| Net charge-offs to loans | 0.4034% | 2,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.1277% | 1,990 |
| Efficiency ratio | 63.7812% | 4,932 |
| Assets per employee ($millions) | 3.0717% | 5,910 |
| Cash dividends to net income (ytd only)* | 42.2833% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 6,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 6,532 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 37.9847% | 6,481 |
| Net loans and leases to deposits | 46.4643% | 6,407 |
| Net loans and leases to core deposits | 48.1092% | 6,455 |
| Total domestic deposits to total assets | 81.7503% | 5,220 |
| Equity capital to assets | 13.7710% | 1,185 |
| Core capital (leverage) ratio | 12.1431% | 1,524 |
| Tier 1 risk-based capital ratio | 21.5583% | 1,379 |
| Total risk-based capital ratio | 22.1951% | 1,462 |
| Memoranda: | ||
| Average total assets | $63,873,330 | 5,920 |
| Average earning assets | $60,268,670 | 5,831 |
| Average equity | $8,622,670 | 5,376 |
| Average total loans | $23,300,330 | 6,400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 2,820 |
| Cost of funding earning assets | 0.6081% | 5,066 |
| Net interest margin | 4.1497% | 1,942 |
| Noninterest income to average assets | 0.4909% | 3,974 |
| Noninterest expense to average assets | 2.9894% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2587% | 1,579 |
| Return on assets (ROA) | 1.2587% | 1,747 |
| Pretax return on assets | 1.4097% | 2,168 |
| Return on Equity (ROE) | 9.4201% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.7100% | 3,741 |
| Net charge-offs to loans | 0.9916% | 1,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,694 |
| Efficiency ratio | 67.9542% | 4,182 |
| Assets per employee ($millions) | 3.1896% | 5,793 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 6,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 6,611 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 34.4328% | 6,717 |
| Net loans and leases to deposits | 41.1515% | 6,699 |
| Net loans and leases to core deposits | 42.5843% | 6,716 |
| Total domestic deposits to total assets | 83.6732% | 4,645 |
| Equity capital to assets | 13.3263% | 1,304 |
| Core capital (leverage) ratio | 11.8880% | 1,654 |
| Tier 1 risk-based capital ratio | 22.4310% | 1,222 |
| Total risk-based capital ratio | 23.0816% | 1,291 |
| Memoranda: | ||
| Average total assets | $63,557,500 | 5,969 |
| Average earning assets | $59,860,000 | 5,880 |
| Average equity | $8,492,500 | 5,434 |
| Average total loans | $22,589,000 | 6,484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 3,362 |
| Cost of funding earning assets | 0.6777% | 5,671 |
| Net interest margin | 4.2217% | 1,991 |
| Noninterest income to average assets | 0.4871% | 3,945 |
| Noninterest expense to average assets | 3.1747% | 2,948 |
| Loan and lease loss provision to assets | 0.0017% | 6,488 |
| Net operating income to assets | 1.1978% | 1,517 |
| Return on assets (ROA) | 1.1978% | 1,626 |
| Pretax return on assets | 1.2912% | 2,164 |
| Return on Equity (ROE) | 9.0412% | 2,424 |
| Retained earnings to average equity (ytd only) | 2.7451% | 4,282 |
| Net charge-offs to loans | -0.0044% | 6,833 |
| Credit loss provision to net charge-offs | -100.0000% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0605% | 3,771 |
| Assets per employee ($millions) | 3.0154% | 6,053 |
| Cash dividends to net income (ytd only)* | 69.6379% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,560 |
| Loan loss allowance to noncurrent loans | 2,436.3636% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,639 |
| Noncurrent loans to loans | 0.0478% | 6,706 |
| Net loans and leases to total assets | 35.8995% | 6,775 |
| Net loans and leases to deposits | 43.0884% | 6,754 |
| Net loans and leases to core deposits | 44.8418% | 6,778 |
| Total domestic deposits to total assets | 83.3160% | 4,618 |
| Equity capital to assets | 13.3978% | 1,322 |
| Core capital (leverage) ratio | 11.9441% | 1,628 |
| Tier 1 risk-based capital ratio | 21.7926% | 1,265 |
| Total risk-based capital ratio | 22.6020% | 1,320 |
| Memoranda: | ||
| Average total assets | $59,943,400 | 6,038 |
| Average earning assets | $56,517,800 | 5,961 |
| Average equity | $7,941,400 | 5,587 |
| Average total loans | $22,613,800 | 6,525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 3,570 |
| Cost of funding earning assets | 0.6905% | 5,824 |
| Net interest margin | 4.2073% | 2,069 |
| Noninterest income to average assets | 0.5099% | 3,797 |
| Noninterest expense to average assets | 3.1856% | 2,867 |
| Loan and lease loss provision to assets | 0.0023% | 6,385 |
| Net operating income to assets | 1.2138% | 1,616 |
| Return on assets (ROA) | 1.2138% | 1,724 |
| Pretax return on assets | 1.3085% | 2,263 |
| Return on Equity (ROE) | 9.1896% | 2,511 |
| Retained earnings to average equity (ytd only) | 4.0653% | 3,835 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8480% | 3,779 |
| Assets per employee ($millions) | 2.9933% | 6,130 |
| Cash dividends to net income (ytd only)* | 55.7617% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,682 |
| Loan loss allowance to noncurrent loans | 2,427.2727% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 6,717 |
| Noncurrent loans to loans | 0.0474% | 6,820 |
| Net loans and leases to total assets | 38.3563% | 6,751 |
| Net loans and leases to deposits | 46.7972% | 6,696 |
| Net loans and leases to core deposits | 48.9470% | 6,715 |
| Total domestic deposits to total assets | 81.9627% | 5,106 |
| Equity capital to assets | 14.0366% | 1,142 |
| Core capital (leverage) ratio | 12.3288% | 1,522 |
| Tier 1 risk-based capital ratio | 22.4111% | 1,225 |
| Total risk-based capital ratio | 23.2381% | 1,266 |
| Memoranda: | ||
| Average total assets | $59,098,250 | 6,121 |
| Average earning assets | $55,996,750 | 6,031 |
| Average equity | $7,805,750 | 5,657 |
| Average total loans | $22,517,000 | 6,597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 4,243 |
| Cost of funding earning assets | 0.6998% | 5,963 |
| Net interest margin | 4.0622% | 2,563 |
| Noninterest income to average assets | 0.5268% | 3,653 |
| Noninterest expense to average assets | 3.2154% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0605% | 2,003 |
| Return on assets (ROA) | 1.0605% | 2,098 |
| Pretax return on assets | 1.1590% | 2,643 |
| Return on Equity (ROE) | 8.2033% | 2,857 |
| Retained earnings to average equity (ytd only) | 2.9448% | 4,408 |
| Net charge-offs to loans | -0.0090% | 6,663 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5043% | 3,465 |
| Assets per employee ($millions) | 2.8935% | 6,319 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,760 |
| Loan loss allowance to noncurrent loans | 2,427.2727% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,765 |
| Noncurrent loans to loans | 0.0474% | 6,866 |
| Net loans and leases to total assets | 37.7713% | 6,875 |
| Net loans and leases to deposits | 44.9077% | 6,887 |
| Net loans and leases to core deposits | 46.9720% | 6,895 |
| Total domestic deposits to total assets | 84.1088% | 4,302 |
| Equity capital to assets | 12.9799% | 1,527 |
| Core capital (leverage) ratio | 12.1638% | 1,522 |
| Tier 1 risk-based capital ratio | 22.0523% | 1,248 |
| Total risk-based capital ratio | 22.8804% | 1,282 |
| Memoranda: | ||
| Average total assets | $58,842,670 | 6,182 |
| Average earning assets | $55,733,330 | 6,090 |
| Average equity | $7,606,670 | 5,732 |
| Average total loans | $22,279,670 | 6,674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 4,580 |
| Cost of funding earning assets | 0.7165% | 6,047 |
| Net interest margin | 3.9701% | 2,822 |
| Noninterest income to average assets | 0.5183% | 3,741 |
| Noninterest expense to average assets | 3.2549% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9744% | 2,265 |
| Return on assets (ROA) | 0.9744% | 2,329 |
| Pretax return on assets | 1.0159% | 3,078 |
| Return on Equity (ROE) | 7.5537% | 3,128 |
| Retained earnings to average equity (ytd only) | 2.1965% | 4,829 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2136% | 3,124 |
| Assets per employee ($millions) | 2.7280% | 6,662 |
| Cash dividends to net income (ytd only)* | 70.9220% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 5,124 |
| Loan loss allowance to noncurrent loans | 2,418.1818% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 6,837 |
| Noncurrent loans to loans | 0.0538% | 6,911 |
| Net loans and leases to total assets | 33.6399% | 7,103 |
| Net loans and leases to deposits | 39.7187% | 7,116 |
| Net loans and leases to core deposits | 41.5874% | 7,121 |
| Total domestic deposits to total assets | 84.6955% | 4,186 |
| Equity capital to assets | 12.6418% | 1,553 |
| Core capital (leverage) ratio | 11.9218% | 1,604 |
| Tier 1 risk-based capital ratio | 24.8095% | 897 |
| Total risk-based capital ratio | 25.7434% | 908 |
| Memoranda: | ||
| Average total assets | $57,882,500 | 6,264 |
| Average earning assets | $54,708,500 | 6,178 |
| Average equity | $7,466,500 | 5,785 |
| Average total loans | $21,810,500 | 6,749 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 2,023 |
| Cost of funding earning assets | 0.7613% | 6,702 |
| Net interest margin | 4.8052% | 663 |
| Noninterest income to average assets | 0.6091% | 3,410 |
| Noninterest expense to average assets | 3.5383% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3597% | 1,028 |
| Return on assets (ROA) | 1.4092% | 1,004 |
| Pretax return on assets | 1.6510% | 1,035 |
| Return on Equity (ROE) | 10.1845% | 1,861 |
| Retained earnings to average equity (ytd only) | 2.2997% | 4,272 |
| Net charge-offs to loans | 0.0379% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 228 |
| Efficiency ratio | 68.9582% | 4,380 |
| Assets per employee ($millions) | 2.6548% | 6,762 |
| Cash dividends to net income (ytd only)* | 77.4194% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,743 |
| Loan loss allowance to noncurrent loans | 1,209.0909% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 6,826 |
| Noncurrent loans to loans | 0.0950% | 6,895 |
| Net loans and leases to total assets | 41.0762% | 6,898 |
| Net loans and leases to deposits | 48.7608% | 6,912 |
| Net loans and leases to core deposits | 51.2442% | 6,936 |
| Total domestic deposits to total assets | 84.2404% | 4,252 |
| Equity capital to assets | 13.1767% | 1,309 |
| Core capital (leverage) ratio | 12.5114% | 1,313 |
| Tier 1 risk-based capital ratio | 22.3926% | 1,125 |
| Total risk-based capital ratio | 23.2437% | 1,147 |
| Memoranda: | ||
| Average total assets | $54,997,600 | 6,372 |
| Average earning assets | $51,756,600 | 6,300 |
| Average equity | $7,609,600 | 5,840 |
| Average total loans | $21,107,000 | 6,864 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 1,696 |
| Cost of funding earning assets | 0.7621% | 6,874 |
| Net interest margin | 4.9421% | 501 |
| Noninterest income to average assets | 0.6203% | 3,312 |
| Noninterest expense to average assets | 3.4129% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5924% | 759 |
| Return on assets (ROA) | 1.6615% | 721 |
| Pretax return on assets | 1.9412% | 717 |
| Return on Equity (ROE) | 11.8642% | 1,543 |
| Retained earnings to average equity (ytd only) | 4.9159% | 3,047 |
| Net charge-offs to loans | 0.0388% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 127.4963% | 251 |
| Efficiency ratio | 64.7140% | 5,105 |
| Assets per employee ($millions) | 2.6479% | 6,851 |
| Cash dividends to net income (ytd only)* | 58.5654% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,582 |
| Loan loss allowance to noncurrent loans | 638.0952% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,870 |
| Noncurrent loans to loans | 0.1852% | 6,810 |
| Net loans and leases to total assets | 40.2949% | 7,058 |
| Net loans and leases to deposits | 48.8851% | 7,051 |
| Net loans and leases to core deposits | 51.7914% | 7,057 |
| Total domestic deposits to total assets | 82.4278% | 4,826 |
| Equity capital to assets | 14.3153% | 1,079 |
| Core capital (leverage) ratio | 13.2100% | 1,149 |
| Tier 1 risk-based capital ratio | 23.3387% | 1,021 |
| Total risk-based capital ratio | 24.2156% | 1,047 |
| Memoranda: | ||
| Average total assets | $54,809,500 | 6,455 |
| Average earning assets | $51,609,250 | 6,378 |
| Average equity | $7,675,500 | 5,887 |
| Average total loans | $20,592,250 | 6,982 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9334% | 1,099 |
| Cost of funding earning assets | 0.7831% | 6,967 |
| Net interest margin | 5.1503% | 309 |
| Noninterest income to average assets | 0.6050% | 3,302 |
| Noninterest expense to average assets | 3.3954% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8205% | 467 |
| Return on assets (ROA) | 1.8334% | 493 |
| Pretax return on assets | 2.0717% | 519 |
| Return on Equity (ROE) | 13.1914% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.9149% | 1,476 |
| Net charge-offs to loans | 0.0503% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 296 |
| Efficiency ratio | 62.2730% | 5,644 |
| Assets per employee ($millions) | 2.4967% | 7,108 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,190 |
| Loan loss allowance to noncurrent loans | 896.6667% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 6,939 |
| Noncurrent loans to loans | 0.1393% | 6,980 |
| Net loans and leases to total assets | 38.7271% | 7,234 |
| Net loans and leases to deposits | 46.9632% | 7,205 |
| Net loans and leases to core deposits | 49.8337% | 7,219 |
| Total domestic deposits to total assets | 82.4625% | 4,797 |
| Equity capital to assets | 14.1476% | 1,120 |
| Core capital (leverage) ratio | 13.4856% | 1,064 |
| Tier 1 risk-based capital ratio | 23.9846% | 946 |
| Total risk-based capital ratio | 24.8935% | 963 |
| Memoranda: | ||
| Average total assets | $54,544,330 | 6,507 |
| Average earning assets | $51,336,330 | 6,429 |
| Average equity | $7,580,670 | 5,933 |
| Average total loans | $19,898,330 | 7,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 4,890 |
| Cost of funding earning assets | 0.7912% | 7,113 |
| Net interest margin | 4.2378% | 1,901 |
| Noninterest income to average assets | 0.5887% | 3,349 |
| Noninterest expense to average assets | 3.3706% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1566% | 1,657 |
| Return on assets (ROA) | 1.1849% | 1,659 |
| Pretax return on assets | 1.2290% | 2,269 |
| Return on Equity (ROE) | 8.6033% | 2,623 |
| Retained earnings to average equity (ytd only) | 3.2596% | 4,190 |
| Net charge-offs to loans | -0.1258% | 7,564 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7520% | 3,610 |
| Assets per employee ($millions) | 2.4399% | 7,289 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,736 |
| Loan loss allowance to noncurrent loans | 114.2857% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 6,050 |
| Noncurrent loans to loans | 1.3412% | 4,735 |
| Net loans and leases to total assets | 33.5091% | 7,513 |
| Net loans and leases to deposits | 40.4084% | 7,508 |
| Net loans and leases to core deposits | 43.0136% | 7,505 |
| Total domestic deposits to total assets | 82.9260% | 4,664 |
| Equity capital to assets | 14.0430% | 1,126 |
| Core capital (leverage) ratio | 12.8787% | 1,257 |
| Tier 1 risk-based capital ratio | 25.6370% | 801 |
| Total risk-based capital ratio | 26.6793% | 801 |
| Memoranda: | ||
| Average total assets | $54,352,500 | 6,595 |
| Average earning assets | $51,064,000 | 6,509 |
| Average equity | $7,485,500 | 6,020 |
| Average total loans | $19,077,000 | 7,210 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 5,160 |
| Cost of funding earning assets | 0.9072% | 7,392 |
| Net interest margin | 4.3959% | 1,441 |
| Noninterest income to average assets | 0.5416% | 4,099 |
| Noninterest expense to average assets | 3.3146% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2511% | 1,132 |
| Return on assets (ROA) | 1.2461% | 1,194 |
| Pretax return on assets | 1.3729% | 1,496 |
| Return on Equity (ROE) | 9.5370% | 1,843 |
| Retained earnings to average equity (ytd only) | 2.6060% | 3,318 |
| Net charge-offs to loans | 0.0971% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 40.0526% | 600 |
| Efficiency ratio | 70.6291% | 4,506 |
| Assets per employee ($millions) | 2.6203% | 7,003 |
| Cash dividends to net income (ytd only)* | 72.6744% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,357 |
| Loan loss allowance to noncurrent loans | 86.7089% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 6,017 |
| Noncurrent loans to loans | 1.5890% | 4,269 |
| Net loans and leases to total assets | 35.6425% | 7,535 |
| Net loans and leases to deposits | 42.6852% | 7,548 |
| Net loans and leases to core deposits | 50.5724% | 7,574 |
| Total domestic deposits to total assets | 83.5008% | 4,285 |
| Equity capital to assets | 13.5079% | 1,318 |
| Core capital (leverage) ratio | 12.4446% | 1,477 |
| Tier 1 risk-based capital ratio | 23.8545% | 961 |
| Total risk-based capital ratio | 24.8155% | 967 |
| Memoranda: | ||
| Average total assets | $55,210,600 | 6,523 |
| Average earning assets | $52,139,200 | 6,454 |
| Average equity | $7,214,000 | 6,201 |
| Average total loans | $19,562,200 | 7,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 6,261 |
| Cost of funding earning assets | 0.9347% | 7,506 |
| Net interest margin | 4.1667% | 2,162 |
| Noninterest income to average assets | 0.5429% | 4,135 |
| Noninterest expense to average assets | 3.2550% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1549% | 1,572 |
| Return on assets (ROA) | 1.1751% | 1,582 |
| Pretax return on assets | 1.2571% | 2,086 |
| Return on Equity (ROE) | 9.0697% | 2,236 |
| Retained earnings to average equity (ytd only) | 3.4826% | 3,343 |
| Net charge-offs to loans | 0.0548% | 6,159 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 63.9784% | 512 |
| Efficiency ratio | 72.4879% | 4,153 |
| Assets per employee ($millions) | 2.6393% | 6,966 |
| Cash dividends to net income (ytd only)* | 61.6014% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 3,671 |
| Loan loss allowance to noncurrent loans | 84.0708% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 5,911 |
| Noncurrent loans to loans | 1.7299% | 4,044 |
| Net loans and leases to total assets | 34.8410% | 7,662 |
| Net loans and leases to deposits | 41.8413% | 7,681 |
| Net loans and leases to core deposits | 49.4292% | 7,701 |
| Total domestic deposits to total assets | 83.2696% | 4,083 |
| Equity capital to assets | 13.5586% | 1,472 |
| Core capital (leverage) ratio | 12.3204% | 1,655 |
| Tier 1 risk-based capital ratio | 23.8120% | 1,019 |
| Total risk-based capital ratio | 24.8097% | 1,023 |
| Memoranda: | ||
| Average total assets | $55,256,500 | 6,569 |
| Average earning assets | $52,349,750 | 6,484 |
| Average equity | $7,159,250 | 6,273 |
| Average total loans | $19,481,000 | 7,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 6,374 |
| Cost of funding earning assets | 0.9647% | 7,603 |
| Net interest margin | 4.1498% | 2,157 |
| Noninterest income to average assets | 0.5616% | 3,948 |
| Noninterest expense to average assets | 3.2899% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1014% | 1,767 |
| Return on assets (ROA) | 1.1014% | 1,843 |
| Pretax return on assets | 1.1993% | 2,301 |
| Return on Equity (ROE) | 8.6355% | 2,499 |
| Retained earnings to average equity (ytd only) | 2.9543% | 3,680 |
| Net charge-offs to loans | 0.1337% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 25.4615% | 1,118 |
| Efficiency ratio | 73.2849% | 4,141 |
| Assets per employee ($millions) | 2.6724% | 6,898 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,165 |
| Loan loss allowance to noncurrent loans | 80.2292% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 5,860 |
| Noncurrent loans to loans | 1.8753% | 3,694 |
| Net loans and leases to total assets | 32.6616% | 7,816 |
| Net loans and leases to deposits | 38.5773% | 7,851 |
| Net loans and leases to core deposits | 45.4478% | 7,847 |
| Total domestic deposits to total assets | 84.6653% | 3,410 |
| Equity capital to assets | 12.6209% | 1,865 |
| Core capital (leverage) ratio | 12.3811% | 1,659 |
| Tier 1 risk-based capital ratio | 24.2310% | 1,009 |
| Total risk-based capital ratio | 25.2480% | 1,014 |
| Memoranda: | ||
| Average total assets | $55,200,000 | 6,629 |
| Average earning assets | $52,243,000 | 6,541 |
| Average equity | $7,040,670 | 6,355 |
| Average total loans | $19,442,670 | 7,363 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 6,347 |
| Cost of funding earning assets | 0.9691% | 7,721 |
| Net interest margin | 4.2174% | 1,841 |
| Noninterest income to average assets | 0.5188% | 4,143 |
| Noninterest expense to average assets | 3.2225% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1838% | 1,701 |
| Return on assets (ROA) | 1.1838% | 1,808 |
| Pretax return on assets | 1.2715% | 2,370 |
| Return on Equity (ROE) | 9.2314% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.5330% | 3,930 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7073% | 4,238 |
| Assets per employee ($millions) | 2.6110% | 7,067 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 2,561 |
| Loan loss allowance to noncurrent loans | 88.7879% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 5,673 |
| Noncurrent loans to loans | 1.7914% | 3,574 |
| Net loans and leases to total assets | 33.0616% | 7,830 |
| Net loans and leases to deposits | 39.1728% | 7,866 |
| Net loans and leases to core deposits | 45.3813% | 7,881 |
| Total domestic deposits to total assets | 84.3993% | 3,512 |
| Equity capital to assets | 12.9562% | 1,766 |
| Core capital (leverage) ratio | 12.6572% | 1,624 |
| Tier 1 risk-based capital ratio | 24.3668% | 1,037 |
| Total risk-based capital ratio | 25.4430% | 1,033 |
| Memoranda: | ||
| Average total assets | $54,739,500 | 6,682 |
| Average earning assets | $51,596,000 | 6,591 |
| Average equity | $7,019,500 | 6,400 |
| Average total loans | $19,859,000 | 7,373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 6,936 |
| Cost of funding earning assets | 1.4643% | 7,662 |
| Net interest margin | 4.1845% | 2,369 |
| Noninterest income to average assets | 0.6099% | 3,774 |
| Noninterest expense to average assets | 3.1889% | 3,374 |
| Loan and lease loss provision to assets | 0.0093% | 7,252 |
| Net operating income to assets | 1.1801% | 1,841 |
| Return on assets (ROA) | 1.3388% | 1,329 |
| Pretax return on assets | 1.5136% | 1,643 |
| Return on Equity (ROE) | 10.7057% | 2,006 |
| Retained earnings to average equity (ytd only) | 1.7843% | 4,129 |
| Net charge-offs to loans | 0.0501% | 6,073 |
| Credit loss provision to net charge-offs | 50.0000% | 6,349 |
| Earnings coverage of net charge-offs (x) | 72.2000% | 561 |
| Efficiency ratio | 70.3734% | 4,274 |
| Assets per employee ($millions) | 2.6023% | 6,997 |
| Cash dividends to net income (ytd only)* | 83.3333% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 3,331 |
| Loan loss allowance to noncurrent loans | 44.3939% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 3,827 |
| Noncurrent loans to loans | 3.0990% | 1,720 |
| Net loans and leases to total assets | 38.4351% | 7,747 |
| Net loans and leases to deposits | 47.3500% | 7,738 |
| Net loans and leases to core deposits | 53.5885% | 7,813 |
| Total domestic deposits to total assets | 81.1722% | 4,571 |
| Equity capital to assets | 12.6903% | 1,924 |
| Core capital (leverage) ratio | 12.3163% | 1,827 |
| Tier 1 risk-based capital ratio | 22.0702% | 1,309 |
| Total risk-based capital ratio | 23.0540% | 1,303 |
| Memoranda: | ||
| Average total assets | $53,780,600 | 6,628 |
| Average earning assets | $50,400,800 | 6,576 |
| Average equity | $6,725,400 | 6,557 |
| Average total loans | $19,973,400 | 7,337 |