Home > The First National Bank of Osakis > Performance and Condition Ratios
The First National Bank of Osakis, 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 | 4.8556% | 2,372 |
| Cost of funding earning assets | 1.4441% | 2,096 |
| Net interest margin | 3.4115% | 2,382 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5877% | 2,044 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.5083% | 3,653 |
| Return on assets (ROA) | 0.4788% | 3,713 |
| Pretax return on assets | 0.5303% | 3,762 |
| Return on Equity (ROE) | 5.6300% | 3,603 |
| Retained earnings to average equity (ytd only) | -0.2837% | 4,119 |
| Net charge-offs to loans | -0.0057% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9883% | 1,164 |
| Assets per employee ($millions) | 7.0731% | 2,026 |
| Cash dividends to net income (ytd only)* | 105.0343% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,393 |
| Loan loss allowance to noncurrent loans | 95.1807% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 627 |
| Noncurrent loans to loans | 1.0339% | 715 |
| Net loans and leases to total assets | 77.8100% | 885 |
| Net loans and leases to deposits | 95.7622% | 808 |
| Net loans and leases to core deposits | 100.6910% | 1,387 |
| Total domestic deposits to total assets | 81.2500% | 3,263 |
| Equity capital to assets | 8.6264% | 2,949 |
| Core capital (leverage) ratio | 8.1312% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8220% | 2,623 |
| Memoranda: | ||
| Average total assets | $91,276,800 | 3,906 |
| Average earning assets | $85,241,200 | 3,882 |
| Average equity | $7,755,400 | 3,963 |
| Average total loans | $70,669,400 | 3,537 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 2,287 |
| Cost of funding earning assets | 1.3290% | 2,066 |
| Net interest margin | 3.4625% | 2,307 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.4424% | 2,396 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.6322% | 3,469 |
| Return on assets (ROA) | 0.5927% | 3,545 |
| Pretax return on assets | 0.6615% | 3,619 |
| Return on Equity (ROE) | 7.0000% | 3,432 |
| Retained earnings to average equity (ytd only) | 1.4697% | 3,852 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.2198% | 1,542 |
| Assets per employee ($millions) | 7.6897% | 1,511 |
| Cash dividends to net income (ytd only)* | 79.0123% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 3,668 |
| Loan loss allowance to noncurrent loans | 191.7614% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 1,512 |
| Noncurrent loans to loans | 0.4800% | 1,623 |
| Net loans and leases to total assets | 78.7400% | 789 |
| Net loans and leases to deposits | 95.7111% | 774 |
| Net loans and leases to core deposits | 101.2415% | 1,248 |
| Total domestic deposits to total assets | 82.2700% | 3,163 |
| Equity capital to assets | 8.1733% | 2,949 |
| Core capital (leverage) ratio | 8.2536% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8665% | 2,845 |
| Memoranda: | ||
| Average total assets | $91,108,500 | 3,919 |
| Average earning assets | $85,176,750 | 3,893 |
| Average equity | $7,711,250 | 3,964 |
| Average total loans | $70,273,250 | 3,553 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 2,278 |
| Cost of funding earning assets | 1.1966% | 2,006 |
| Net interest margin | 3.4671% | 2,351 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.4736% | 2,281 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.5710% | 3,653 |
| Return on assets (ROA) | 0.5115% | 3,793 |
| Pretax return on assets | 0.5710% | 3,848 |
| Return on Equity (ROE) | 5.9700% | 3,695 |
| Retained earnings to average equity (ytd only) | -2.2658% | 4,302 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.2854% | 1,430 |
| Assets per employee ($millions) | 7.6555% | 1,504 |
| Cash dividends to net income (ytd only)* | 137.9310% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 3,829 |
| Loan loss allowance to noncurrent loans | 166.0574% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 1,283 |
| Noncurrent loans to loans | 0.5322% | 1,398 |
| Net loans and leases to total assets | 77.6500% | 871 |
| Net loans and leases to deposits | 94.8011% | 795 |
| Net loans and leases to core deposits | 101.9202% | 1,137 |
| Total domestic deposits to total assets | 81.9100% | 3,249 |
| Equity capital to assets | 8.3524% | 2,989 |
| Core capital (leverage) ratio | 8.0743% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5737% | 2,900 |
| Memoranda: | ||
| Average total assets | $90,719,333 | 3,935 |
| Average earning assets | $84,740,333 | 3,913 |
| Average equity | $7,767,667 | 3,978 |
| Average total loans | $69,252,333 | 3,578 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,500 |
| Cost of funding earning assets | 0.9447% | 2,236 |
| Net interest margin | 3.4751% | 2,435 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.4804% | 2,296 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.6430% | 3,602 |
| Return on assets (ROA) | 0.5325% | 3,787 |
| Pretax return on assets | 0.6390% | 3,780 |
| Return on Equity (ROE) | 6.1400% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.2482% | 3,197 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9765% | 1,439 |
| Assets per employee ($millions) | 6.3901% | 2,419 |
| Cash dividends to net income (ytd only)* | 30.8333% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 4,107 |
| Loan loss allowance to noncurrent loans | 136.2283% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 1,136 |
| Noncurrent loans to loans | 0.5785% | 1,289 |
| Net loans and leases to total assets | 77.2600% | 848 |
| Net loans and leases to deposits | 90.7178% | 996 |
| Net loans and leases to core deposits | 92.7795% | 1,464 |
| Total domestic deposits to total assets | 85.1600% | 2,816 |
| Equity capital to assets | 8.9078% | 2,587 |
| Core capital (leverage) ratio | 8.5106% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9985% | 2,948 |
| Memoranda: | ||
| Average total assets | $90,146,000 | 3,993 |
| Average earning assets | $84,255,500 | 3,967 |
| Average equity | $7,815,000 | 4,020 |
| Average total loans | $67,893,000 | 3,642 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 1,504 |
| Cost of funding earning assets | 0.5056% | 1,350 |
| Net interest margin | 3.5808% | 1,698 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.3765% | 2,487 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.6859% | 3,657 |
| Return on assets (ROA) | 0.6859% | 3,606 |
| Pretax return on assets | 0.8773% | 3,419 |
| Return on Equity (ROE) | 7.8400% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.6805% | 3,182 |
| Net charge-offs to loans | 0.0212% | 1,654 |
| Credit loss provision to net charge-offs | 1,776.9231% | 282 |
| Earnings coverage of net charge-offs (x) | 78.7692% | 1,094 |
| Efficiency ratio | 67.7175% | 2,000 |
| Assets per employee ($millions) | 6.0554% | 2,714 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 4,075 |
| Loan loss allowance to noncurrent loans | 134.3750% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 1,217 |
| Noncurrent loans to loans | 0.5808% | 1,280 |
| Net loans and leases to total assets | 72.2300% | 1,390 |
| Net loans and leases to deposits | 82.6320% | 1,571 |
| Net loans and leases to core deposits | 84.6886% | 1,832 |
| Total domestic deposits to total assets | 87.4100% | 2,264 |
| Equity capital to assets | 8.4343% | 2,756 |
| Core capital (leverage) ratio | 7.9534% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3697% | 2,896 |
| Memoranda: | ||
| Average total assets | $90,386,200 | 4,008 |
| Average earning assets | $84,255,000 | 3,989 |
| Average equity | $7,905,200 | 4,109 |
| Average total loans | $61,244,800 | 3,701 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 1,307 |
| Cost of funding earning assets | 0.4468% | 995 |
| Net interest margin | 3.5320% | 1,572 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.2686% | 2,723 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.7665% | 3,366 |
| Return on assets (ROA) | 0.7665% | 3,315 |
| Pretax return on assets | 0.9600% | 3,138 |
| Return on Equity (ROE) | 8.6900% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.5022% | 3,284 |
| Net charge-offs to loans | 0.0289% | 1,254 |
| Credit loss provision to net charge-offs | 1,253.8462% | 347 |
| Earnings coverage of net charge-offs (x) | 62.5385% | 1,152 |
| Efficiency ratio | 65.3895% | 2,356 |
| Assets per employee ($millions) | 6.1000% | 2,673 |
| Cash dividends to net income (ytd only)* | 48.1696% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 4,286 |
| Loan loss allowance to noncurrent loans | 1,544.8276% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,603 |
| Noncurrent loans to loans | 0.0440% | 3,573 |
| Net loans and leases to total assets | 71.5700% | 1,336 |
| Net loans and leases to deposits | 81.6852% | 1,468 |
| Net loans and leases to core deposits | 84.3437% | 1,630 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 8.0710% | 2,857 |
| Core capital (leverage) ratio | 7.7816% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1312% | 3,021 |
| Memoranda: | ||
| Average total assets | $90,275,000 | 4,039 |
| Average earning assets | $84,143,250 | 4,018 |
| Average equity | $7,966,250 | 4,137 |
| Average total loans | $60,026,000 | 3,742 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 1,238 |
| Cost of funding earning assets | 0.3848% | 1,023 |
| Net interest margin | 3.4486% | 1,460 |
| Noninterest income to average assets | 0.1335% | 4,339 |
| Noninterest expense to average assets | 2.2055% | 2,837 |
| Loan and lease loss provision to assets | 0.1469% | 652 |
| Net operating income to assets | 0.7455% | 3,156 |
| Return on assets (ROA) | 0.7455% | 3,112 |
| Pretax return on assets | 0.9926% | 2,761 |
| Return on Equity (ROE) | 8.2108% | 2,964 |
| Retained earnings to average equity (ytd only) | 2.9902% | 3,448 |
| Net charge-offs to loans | 0.0448% | 939 |
| Credit loss provision to net charge-offs | 507.6923% | 622 |
| Earnings coverage of net charge-offs (x) | 39.3846% | 1,267 |
| Efficiency ratio | 65.9348% | 2,519 |
| Assets per employee ($millions) | 6.3281% | 2,460 |
| Cash dividends to net income (ytd only)* | 63.5821% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5607% | 4,499 |
| Loan loss allowance to noncurrent loans | 472.9730% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,144 |
| Noncurrent loans to loans | 0.1185% | 3,138 |
| Net loans and leases to total assets | 70.0665% | 1,293 |
| Net loans and leases to deposits | 80.6208% | 1,342 |
| Net loans and leases to core deposits | 83.5867% | 1,478 |
| Total domestic deposits to total assets | 86.9087% | 2,968 |
| Equity capital to assets | 8.6000% | 2,689 |
| Core capital (leverage) ratio | 7.8823% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4600% | 2,937 |
| Memoranda: | ||
| Average total assets | $89,866,667 | 4,082 |
| Average earning assets | $83,686,000 | 4,079 |
| Average equity | $8,160,000 | 4,185 |
| Average total loans | $58,056,333 | 3,821 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6047% | 1,495 |
| Cost of funding earning assets | 0.3737% | 1,032 |
| Net interest margin | 3.2310% | 1,779 |
| Noninterest income to average assets | 0.1856% | 4,045 |
| Noninterest expense to average assets | 2.1524% | 2,971 |
| Loan and lease loss provision to assets | 0.1459% | 546 |
| Net operating income to assets | 0.5790% | 3,472 |
| Return on assets (ROA) | 0.5790% | 3,446 |
| Pretax return on assets | 0.9060% | 2,753 |
| Return on Equity (ROE) | 6.2155% | 3,285 |
| Retained earnings to average equity (ytd only) | -3.8906% | 4,367 |
| Net charge-offs to loans | 0.0931% | 551 |
| Credit loss provision to net charge-offs | 253.8462% | 714 |
| Earnings coverage of net charge-offs (x) | 18.3077% | 1,307 |
| Efficiency ratio | 67.1724% | 2,609 |
| Assets per employee ($millions) | 7.4823% | 1,693 |
| Cash dividends to net income (ytd only)* | 162.5954% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 4,540 |
| Loan loss allowance to noncurrent loans | 270.9402% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,887 |
| Noncurrent loans to loans | 0.2045% | 2,800 |
| Net loans and leases to total assets | 63.3611% | 1,699 |
| Net loans and leases to deposits | 73.7108% | 1,632 |
| Net loans and leases to core deposits | 76.5021% | 1,746 |
| Total domestic deposits to total assets | 85.9590% | 3,270 |
| Equity capital to assets | 8.8754% | 2,819 |
| Core capital (leverage) ratio | 7.3522% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8265% | 2,930 |
| Memoranda: | ||
| Average total assets | $90,503,500 | 4,092 |
| Average earning assets | $84,557,000 | 4,084 |
| Average equity | $8,430,500 | 4,224 |
| Average total loans | $55,872,500 | 3,867 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8342% | 1,784 |
| Cost of funding earning assets | 0.4186% | 1,404 |
| Net interest margin | 3.4156% | 1,975 |
| Noninterest income to average assets | 0.1334% | 4,475 |
| Noninterest expense to average assets | 2.2158% | 3,024 |
| Loan and lease loss provision to assets | 0.1470% | 815 |
| Net operating income to assets | 0.9050% | 3,019 |
| Return on assets (ROA) | 0.9050% | 3,087 |
| Pretax return on assets | 0.9050% | 3,505 |
| Return on Equity (ROE) | 8.7875% | 2,985 |
| Retained earnings to average equity (ytd only) | -0.8522% | 4,576 |
| Net charge-offs to loans | -0.0725% | 4,472 |
| Credit loss provision to net charge-offs | -348.6486% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8061% | 2,013 |
| Assets per employee ($millions) | 7.0169% | 1,913 |
| Cash dividends to net income (ytd only)* | 109.6977% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 4,587 |
| Loan loss allowance to noncurrent loans | 60.9407% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 1,244 |
| Noncurrent loans to loans | 0.8966% | 1,128 |
| Net loans and leases to total assets | 59.4606% | 2,214 |
| Net loans and leases to deposits | 69.5260% | 2,174 |
| Net loans and leases to core deposits | 71.8373% | 2,274 |
| Total domestic deposits to total assets | 85.5229% | 3,082 |
| Equity capital to assets | 9.7479% | 2,891 |
| Core capital (leverage) ratio | 7.4491% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6162% | 2,749 |
| Memoranda: | ||
| Average total assets | $87,732,800 | 4,121 |
| Average earning assets | $80,512,600 | 4,127 |
| Average equity | $9,035,600 | 4,239 |
| Average total loans | $51,019,000 | 3,979 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 1,788 |
| Cost of funding earning assets | 0.4319% | 1,472 |
| Net interest margin | 3.4586% | 1,983 |
| Noninterest income to average assets | 0.1305% | 4,544 |
| Noninterest expense to average assets | 2.1812% | 3,132 |
| Loan and lease loss provision to assets | 0.1508% | 747 |
| Net operating income to assets | 0.9578% | 3,055 |
| Return on assets (ROA) | 0.9578% | 3,135 |
| Pretax return on assets | 0.9578% | 3,568 |
| Return on Equity (ROE) | 9.1714% | 3,054 |
| Retained earnings to average equity (ytd only) | -2.8807% | 4,742 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3089% | 2,061 |
| Assets per employee ($millions) | 8.2501% | 1,156 |
| Cash dividends to net income (ytd only)* | 131.4103% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 4,745 |
| Loan loss allowance to noncurrent loans | 90.1961% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 2,373 |
| Noncurrent loans to loans | 0.4970% | 2,066 |
| Net loans and leases to total assets | 56.2815% | 2,698 |
| Net loans and leases to deposits | 65.6842% | 2,662 |
| Net loans and leases to core deposits | 67.6467% | 2,810 |
| Total domestic deposits to total assets | 85.6850% | 2,875 |
| Equity capital to assets | 9.8511% | 3,052 |
| Core capital (leverage) ratio | 7.4489% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7888% | 2,779 |
| Memoranda: | ||
| Average total assets | $86,861,000 | 4,183 |
| Average earning assets | $79,337,000 | 4,193 |
| Average equity | $9,071,500 | 4,298 |
| Average total loans | $50,139,250 | 4,051 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 1,803 |
| Cost of funding earning assets | 0.4587% | 1,459 |
| Net interest margin | 3.4457% | 2,022 |
| Noninterest income to average assets | 0.1262% | 4,571 |
| Noninterest expense to average assets | 2.1317% | 3,297 |
| Loan and lease loss provision to assets | 0.1543% | 763 |
| Net operating income to assets | 0.9654% | 3,017 |
| Return on assets (ROA) | 0.9654% | 3,098 |
| Pretax return on assets | 0.9654% | 3,512 |
| Return on Equity (ROE) | 9.0617% | 3,079 |
| Retained earnings to average equity (ytd only) | -3.9713% | 4,756 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5643% | 2,214 |
| Assets per employee ($millions) | 7.2802% | 1,609 |
| Cash dividends to net income (ytd only)* | 143.8257% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 4,811 |
| Loan loss allowance to noncurrent loans | 298.4848% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,704 |
| Noncurrent loans to loans | 0.1266% | 3,553 |
| Net loans and leases to total assets | 59.4709% | 2,484 |
| Net loans and leases to deposits | 70.0032% | 2,407 |
| Net loans and leases to core deposits | 71.8931% | 2,614 |
| Total domestic deposits to total assets | 84.9546% | 3,118 |
| Equity capital to assets | 10.2688% | 2,603 |
| Core capital (leverage) ratio | 7.6159% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5720% | 2,841 |
| Memoranda: | ||
| Average total assets | $85,564,333 | 4,220 |
| Average earning assets | $77,605,000 | 4,236 |
| Average equity | $9,115,333 | 4,315 |
| Average total loans | $49,750,333 | 4,093 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 1,901 |
| Cost of funding earning assets | 0.4762% | 1,549 |
| Net interest margin | 3.3959% | 2,123 |
| Noninterest income to average assets | 0.1370% | 4,521 |
| Noninterest expense to average assets | 2.2725% | 2,872 |
| Loan and lease loss provision to assets | 0.1559% | 824 |
| Net operating income to assets | 0.7748% | 3,501 |
| Return on assets (ROA) | 0.7748% | 3,572 |
| Pretax return on assets | 0.7748% | 3,855 |
| Return on Equity (ROE) | 7.1401% | 3,574 |
| Retained earnings to average equity (ytd only) | -0.4354% | 4,401 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9440% | 1,606 |
| Assets per employee ($millions) | 6.1276% | 2,472 |
| Cash dividends to net income (ytd only)* | 106.0976% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3406% | 4,856 |
| Loan loss allowance to noncurrent loans | 160.7843% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,573 |
| Noncurrent loans to loans | 0.2118% | 3,350 |
| Net loans and leases to total assets | 55.9350% | 3,045 |
| Net loans and leases to deposits | 66.2100% | 2,900 |
| Net loans and leases to core deposits | 68.0349% | 3,052 |
| Total domestic deposits to total assets | 84.4813% | 3,286 |
| Equity capital to assets | 10.6601% | 2,122 |
| Core capital (leverage) ratio | 8.1082% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7622% | 2,390 |
| Memoranda: | ||
| Average total assets | $84,665,500 | 4,249 |
| Average earning assets | $76,444,500 | 4,275 |
| Average equity | $9,187,500 | 4,312 |
| Average total loans | $48,549,500 | 4,135 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 868 |
| Cost of funding earning assets | 0.7185% | 1,628 |
| Net interest margin | 3.9962% | 980 |
| Noninterest income to average assets | 0.1568% | 4,508 |
| Noninterest expense to average assets | 2.4713% | 2,936 |
| Loan and lease loss provision to assets | 0.1712% | 2,245 |
| Net operating income to assets | 1.0834% | 1,976 |
| Return on assets (ROA) | 1.0834% | 2,111 |
| Pretax return on assets | 1.0834% | 2,756 |
| Return on Equity (ROE) | 9.3284% | 2,273 |
| Retained earnings to average equity (ytd only) | 5.3338% | 2,125 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3276% | 2,480 |
| Assets per employee ($millions) | 6.4265% | 1,972 |
| Cash dividends to net income (ytd only)* | 42.8227% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2676% | 4,915 |
| Loan loss allowance to noncurrent loans | 43.9597% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 2,559 |
| Noncurrent loans to loans | 0.6088% | 2,178 |
| Net loans and leases to total assets | 58.4351% | 3,040 |
| Net loans and leases to deposits | 69.5992% | 2,928 |
| Net loans and leases to core deposits | 71.8127% | 3,093 |
| Total domestic deposits to total assets | 83.9594% | 3,125 |
| Equity capital to assets | 11.0481% | 2,212 |
| Core capital (leverage) ratio | 8.1127% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2531% | 2,142 |
| Memoranda: | ||
| Average total assets | $76,518,200 | 4,286 |
| Average earning assets | $68,339,600 | 4,319 |
| Average equity | $8,886,800 | 4,332 |
| Average total loans | $47,707,600 | 4,149 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 764 |
| Cost of funding earning assets | 0.7792% | 1,592 |
| Net interest margin | 4.1012% | 893 |
| Noninterest income to average assets | 0.1623% | 4,488 |
| Noninterest expense to average assets | 2.4468% | 3,000 |
| Loan and lease loss provision to assets | 0.1752% | 2,229 |
| Net operating income to assets | 1.1735% | 1,735 |
| Return on assets (ROA) | 1.1735% | 1,858 |
| Pretax return on assets | 1.1735% | 2,478 |
| Return on Equity (ROE) | 9.9683% | 2,028 |
| Retained earnings to average equity (ytd only) | 7.3172% | 1,577 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4737% | 2,665 |
| Assets per employee ($millions) | 6.1856% | 2,103 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2087% | 4,961 |
| Loan loss allowance to noncurrent loans | 18.7023% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 1,783 |
| Noncurrent loans to loans | 1.1157% | 1,352 |
| Net loans and leases to total assets | 58.2866% | 3,391 |
| Net loans and leases to deposits | 70.2783% | 3,290 |
| Net loans and leases to core deposits | 72.0124% | 3,472 |
| Total domestic deposits to total assets | 82.9368% | 3,156 |
| Equity capital to assets | 11.4894% | 2,014 |
| Core capital (leverage) ratio | 8.5079% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2752% | 2,076 |
| Memoranda: | ||
| Average total assets | $74,761,750 | 4,318 |
| Average earning assets | $66,222,750 | 4,360 |
| Average equity | $8,801,000 | 4,355 |
| Average total loans | $47,397,000 | 4,182 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 666 |
| Cost of funding earning assets | 0.8335% | 1,662 |
| Net interest margin | 4.2867% | 774 |
| Noninterest income to average assets | 0.1592% | 4,498 |
| Noninterest expense to average assets | 2.5385% | 2,859 |
| Loan and lease loss provision to assets | 0.1811% | 2,213 |
| Net operating income to assets | 1.1938% | 1,658 |
| Return on assets (ROA) | 1.1938% | 1,784 |
| Pretax return on assets | 1.1938% | 2,387 |
| Return on Equity (ROE) | 10.0520% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.0520% | 779 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8668% | 2,681 |
| Assets per employee ($millions) | 5.8809% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1372% | 5,008 |
| Loan loss allowance to noncurrent loans | 10.6969% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 1,542 |
| Noncurrent loans to loans | 1.2825% | 1,215 |
| Net loans and leases to total assets | 62.8394% | 3,029 |
| Net loans and leases to deposits | 76.4696% | 2,806 |
| Net loans and leases to core deposits | 79.4976% | 2,985 |
| Total domestic deposits to total assets | 82.1757% | 3,324 |
| Equity capital to assets | 12.0115% | 1,651 |
| Core capital (leverage) ratio | 8.5153% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9799% | 2,191 |
| Memoranda: | ||
| Average total assets | $72,878,000 | 4,356 |
| Average earning assets | $63,825,667 | 4,412 |
| Average equity | $8,655,000 | 4,382 |
| Average total loans | $47,540,000 | 4,184 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 1,148 |
| Cost of funding earning assets | 0.9058% | 1,830 |
| Net interest margin | 4.0132% | 1,354 |
| Noninterest income to average assets | 0.2194% | 4,234 |
| Noninterest expense to average assets | 2.8414% | 2,302 |
| Loan and lease loss provision to assets | 0.1857% | 1,614 |
| Net operating income to assets | 0.7821% | 2,968 |
| Return on assets (ROA) | 0.7821% | 3,050 |
| Pretax return on assets | 0.7821% | 3,458 |
| Return on Equity (ROE) | 6.6261% | 3,096 |
| Retained earnings to average equity (ytd only) | 6.6261% | 1,675 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5938% | 1,736 |
| Assets per employee ($millions) | 5.4539% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0696% | 5,056 |
| Loan loss allowance to noncurrent loans | 3.7500% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 827 |
| Noncurrent loans to loans | 1.8551% | 800 |
| Net loans and leases to total assets | 66.8608% | 2,713 |
| Net loans and leases to deposits | 79.7125% | 2,711 |
| Net loans and leases to core deposits | 82.3332% | 2,992 |
| Total domestic deposits to total assets | 83.8775% | 2,824 |
| Equity capital to assets | 11.7572% | 2,247 |
| Core capital (leverage) ratio | 8.8636% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5578% | 2,909 |
| Memoranda: | ||
| Average total assets | $71,091,000 | 4,392 |
| Average earning assets | $63,590,500 | 4,426 |
| Average equity | $8,391,000 | 4,444 |
| Average total loans | $47,256,000 | 4,200 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1798% | 5,139 |
| Cost of funding earning assets | 0.4106% | 4,409 |
| Net interest margin | 1.7692% | 5,116 |
| Noninterest income to average assets | 0.0720% | 4,993 |
| Noninterest expense to average assets | 1.1145% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5771% | 4,228 |
| Return on assets (ROA) | 0.5771% | 4,280 |
| Pretax return on assets | 0.5771% | 4,450 |
| Return on Equity (ROE) | 4.5836% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.5836% | 2,660 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8854% | 2,789 |
| Assets per employee ($millions) | 5.4832% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3243% | 825 |
| Noncurrent loans to loans | 1.8035% | 745 |
| Net loans and leases to total assets | 66.0400% | 2,945 |
| Net loans and leases to deposits | 78.7836% | 2,934 |
| Net loans and leases to core deposits | 81.3500% | 3,193 |
| Total domestic deposits to total assets | 83.8246% | 2,899 |
| Equity capital to assets | 11.8489% | 2,239 |
| Core capital (leverage) ratio | 8.8213% | 4,653 |
| Tier 1 risk-based capital ratio | 12.4607% | 4,093 |
| Total risk-based capital ratio | 12.4607% | 4,665 |
| Memoranda: | ||
| Average total assets | $68,101,200 | 4,464 |
| Average earning assets | $62,343,800 | 4,471 |
| Average equity | $8,574,000 | 4,435 |
| Average total loans | $43,027,200 | 4,333 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 2,345 |
| Cost of funding earning assets | 0.8567% | 2,429 |
| Net interest margin | 3.8681% | 2,370 |
| Noninterest income to average assets | 0.0640% | 5,082 |
| Noninterest expense to average assets | 2.6190% | 3,111 |
| Loan and lease loss provision to assets | 0.0820% | 2,267 |
| Net operating income to assets | 0.9584% | 3,135 |
| Return on assets (ROA) | 0.9584% | 3,212 |
| Pretax return on assets | 0.9584% | 3,716 |
| Return on Equity (ROE) | 8.0440% | 3,285 |
| Retained earnings to average equity (ytd only) | -57.8528% | 5,246 |
| Net charge-offs to loans | 0.1297% | 1,228 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 12.6819% | 2,341 |
| Efficiency ratio | 71.5692% | 1,893 |
| Assets per employee ($millions) | 5.1087% | 2,438 |
| Cash dividends to net income (ytd only)* | 819.2077% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,671 |
| Loan loss allowance to noncurrent loans | 201.6129% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 1,714 |
| Noncurrent loans to loans | 0.5789% | 2,554 |
| Net loans and leases to total assets | 63.7481% | 3,310 |
| Net loans and leases to deposits | 71.4669% | 3,640 |
| Net loans and leases to core deposits | 73.8054% | 3,842 |
| Total domestic deposits to total assets | 89.1994% | 554 |
| Equity capital to assets | 8.3342% | 5,054 |
| Core capital (leverage) ratio | 7.7425% | 5,155 |
| Tier 1 risk-based capital ratio | 12.8214% | 3,943 |
| Total risk-based capital ratio | 14.0481% | 3,850 |
| Memoranda: | ||
| Average total assets | $66,639,750 | 4,540 |
| Average earning assets | $61,940,250 | 4,532 |
| Average equity | $7,939,500 | 4,567 |
| Average total loans | $42,146,750 | 4,414 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 2,555 |
| Cost of funding earning assets | 0.8173% | 2,563 |
| Net interest margin | 3.8195% | 2,521 |
| Noninterest income to average assets | 0.1229% | 4,956 |
| Noninterest expense to average assets | 2.7760% | 2,674 |
| Loan and lease loss provision to assets | 0.1229% | 1,522 |
| Net operating income to assets | 0.7824% | 3,716 |
| Return on assets (ROA) | 0.7824% | 3,779 |
| Pretax return on assets | 0.7824% | 4,131 |
| Return on Equity (ROE) | 5.9719% | 4,052 |
| Retained earnings to average equity (ytd only) | 1.0296% | 4,426 |
| Net charge-offs to loans | 0.1956% | 849 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 7.3659% | 2,497 |
| Efficiency ratio | 75.4072% | 1,471 |
| Assets per employee ($millions) | 5.1605% | 2,293 |
| Cash dividends to net income (ytd only)* | 82.7586% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,809 |
| Loan loss allowance to noncurrent loans | 96.5251% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2968% | 982 |
| Noncurrent loans to loans | 1.1870% | 1,352 |
| Net loans and leases to total assets | 64.3070% | 3,306 |
| Net loans and leases to deposits | 76.5413% | 3,284 |
| Net loans and leases to core deposits | 78.0239% | 3,576 |
| Total domestic deposits to total assets | 84.0160% | 2,853 |
| Equity capital to assets | 13.3575% | 1,400 |
| Core capital (leverage) ratio | 13.0022% | 1,295 |
| Tier 1 risk-based capital ratio | 20.0723% | 1,339 |
| Total risk-based capital ratio | 21.2238% | 1,327 |
| Memoranda: | ||
| Average total assets | $66,715,330 | 4,574 |
| Average earning assets | $62,154,670 | 4,560 |
| Average equity | $8,741,000 | 4,478 |
| Average total loans | $41,916,670 | 4,450 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 2,882 |
| Cost of funding earning assets | 0.7525% | 2,780 |
| Net interest margin | 3.7433% | 2,734 |
| Noninterest income to average assets | 0.1142% | 5,032 |
| Noninterest expense to average assets | 2.5793% | 3,271 |
| Loan and lease loss provision to assets | 0.0962% | 1,822 |
| Net operating income to assets | 0.9379% | 3,100 |
| Return on assets (ROA) | 0.9379% | 3,143 |
| Pretax return on assets | 0.9379% | 3,646 |
| Return on Equity (ROE) | 7.2298% | 3,584 |
| Retained earnings to average equity (ytd only) | 1.1586% | 4,281 |
| Net charge-offs to loans | 0.1559% | 862 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,945 |
| Efficiency ratio | 71.3810% | 2,133 |
| Assets per employee ($millions) | 5.1965% | 2,291 |
| Cash dividends to net income (ytd only)* | 83.9744% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,617 |
| Loan loss allowance to noncurrent loans | 61.6523% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.5839% | 729 |
| Noncurrent loans to loans | 1.9350% | 780 |
| Net loans and leases to total assets | 61.3035% | 3,570 |
| Net loans and leases to deposits | 73.2455% | 3,514 |
| Net loans and leases to core deposits | 74.6516% | 3,756 |
| Total domestic deposits to total assets | 83.6960% | 3,149 |
| Equity capital to assets | 12.9156% | 1,503 |
| Core capital (leverage) ratio | 13.2343% | 1,174 |
| Tier 1 risk-based capital ratio | 20.8542% | 1,182 |
| Total risk-based capital ratio | 22.0533% | 1,170 |
| Memoranda: | ||
| Average total assets | $66,530,000 | 4,630 |
| Average earning assets | $62,190,500 | 4,612 |
| Average equity | $8,631,000 | 4,518 |
| Average total loans | $41,054,500 | 4,509 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,567 |
| Cost of funding earning assets | 0.5794% | 2,859 |
| Net interest margin | 3.8849% | 2,378 |
| Noninterest income to average assets | 0.1233% | 5,062 |
| Noninterest expense to average assets | 2.6424% | 3,203 |
| Loan and lease loss provision to assets | 0.0910% | 2,330 |
| Net operating income to assets | 0.9975% | 3,022 |
| Return on assets (ROA) | 0.9975% | 3,012 |
| Pretax return on assets | 0.9975% | 3,612 |
| Return on Equity (ROE) | 7.6744% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.5384% | 4,132 |
| Net charge-offs to loans | 0.1506% | 1,277 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 11.9661% | 2,587 |
| Efficiency ratio | 70.8264% | 2,067 |
| Assets per employee ($millions) | 4.6790% | 2,907 |
| Cash dividends to net income (ytd only)* | 66.9243% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,330 |
| Loan loss allowance to noncurrent loans | 47.4383% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 599 |
| Noncurrent loans to loans | 2.6222% | 449 |
| Net loans and leases to total assets | 60.5990% | 3,704 |
| Net loans and leases to deposits | 72.7446% | 3,603 |
| Net loans and leases to core deposits | 73.1467% | 3,915 |
| Total domestic deposits to total assets | 83.3038% | 3,225 |
| Equity capital to assets | 13.0324% | 1,329 |
| Core capital (leverage) ratio | 13.2218% | 1,171 |
| Tier 1 risk-based capital ratio | 21.4178% | 1,111 |
| Total risk-based capital ratio | 22.6528% | 1,088 |
| Memoranda: | ||
| Average total assets | $64,864,200 | 4,679 |
| Average earning assets | $60,232,600 | 4,662 |
| Average equity | $8,430,600 | 4,542 |
| Average total loans | $39,188,800 | 4,578 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 2,528 |
| Cost of funding earning assets | 0.5397% | 2,935 |
| Net interest margin | 3.8910% | 2,337 |
| Noninterest income to average assets | 0.1319% | 5,098 |
| Noninterest expense to average assets | 2.5057% | 3,579 |
| Loan and lease loss provision to assets | 0.1216% | 1,655 |
| Net operating income to assets | 1.1148% | 2,604 |
| Return on assets (ROA) | 1.1148% | 2,618 |
| Pretax return on assets | 1.1148% | 3,337 |
| Return on Equity (ROE) | 8.5831% | 3,299 |
| Retained earnings to average equity (ytd only) | 2.6812% | 4,345 |
| Net charge-offs to loans | 0.2020% | 842 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 10.1701% | 2,602 |
| Efficiency ratio | 66.9604% | 2,717 |
| Assets per employee ($millions) | 4.9908% | 2,476 |
| Cash dividends to net income (ytd only)* | 68.7614% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,437 |
| Loan loss allowance to noncurrent loans | 43.9754% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.8989% | 585 |
| Noncurrent loans to loans | 2.8044% | 423 |
| Net loans and leases to total assets | 61.7191% | 3,684 |
| Net loans and leases to deposits | 74.9747% | 3,514 |
| Net loans and leases to core deposits | 74.9747% | 3,882 |
| Total domestic deposits to total assets | 82.3199% | 3,516 |
| Equity capital to assets | 12.8713% | 1,392 |
| Core capital (leverage) ratio | 13.2804% | 1,181 |
| Tier 1 risk-based capital ratio | 21.0961% | 1,171 |
| Total risk-based capital ratio | 22.3190% | 1,152 |
| Memoranda: | ||
| Average total assets | $64,703,750 | 4,727 |
| Average earning assets | $60,035,000 | 4,712 |
| Average equity | $8,404,000 | 4,591 |
| Average total loans | $38,937,000 | 4,631 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,498 |
| Cost of funding earning assets | 0.5032% | 2,988 |
| Net interest margin | 3.8724% | 2,301 |
| Noninterest income to average assets | 0.1485% | 5,081 |
| Noninterest expense to average assets | 2.4658% | 3,729 |
| Loan and lease loss provision to assets | 0.0681% | 2,520 |
| Net operating income to assets | 1.2097% | 2,157 |
| Return on assets (ROA) | 1.2097% | 2,154 |
| Pretax return on assets | 1.2097% | 2,909 |
| Return on Equity (ROE) | 9.2856% | 2,905 |
| Retained earnings to average equity (ytd only) | 3.3960% | 3,880 |
| Net charge-offs to loans | 0.1146% | 1,238 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 18.7727% | 1,880 |
| Efficiency ratio | 65.8678% | 3,007 |
| Assets per employee ($millions) | 5.8629% | 1,583 |
| Cash dividends to net income (ytd only)* | 63.4271% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,383 |
| Loan loss allowance to noncurrent loans | 56.3698% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 1,015 |
| Noncurrent loans to loans | 2.2339% | 617 |
| Net loans and leases to total assets | 60.7936% | 3,727 |
| Net loans and leases to deposits | 73.9545% | 3,535 |
| Net loans and leases to core deposits | 73.9545% | 3,881 |
| Total domestic deposits to total assets | 82.2040% | 3,651 |
| Equity capital to assets | 13.0218% | 1,283 |
| Core capital (leverage) ratio | 13.4023% | 1,098 |
| Tier 1 risk-based capital ratio | 21.0331% | 1,170 |
| Total risk-based capital ratio | 22.2559% | 1,147 |
| Memoranda: | ||
| Average total assets | $64,644,670 | 4,783 |
| Average earning assets | $60,014,000 | 4,764 |
| Average equity | $8,421,670 | 4,628 |
| Average total loans | $38,401,330 | 4,689 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,641 |
| Cost of funding earning assets | 0.4469% | 3,223 |
| Net interest margin | 3.8217% | 2,330 |
| Noninterest income to average assets | 0.1669% | 5,022 |
| Noninterest expense to average assets | 2.5525% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1557% | 2,190 |
| Return on assets (ROA) | 1.1557% | 2,204 |
| Pretax return on assets | 1.1557% | 2,953 |
| Return on Equity (ROE) | 8.8694% | 2,967 |
| Retained earnings to average equity (ytd only) | 2.9407% | 4,021 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8333% | 2,694 |
| Assets per employee ($millions) | 5.8419% | 1,654 |
| Cash dividends to net income (ytd only)* | 66.8449% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,195 |
| Loan loss allowance to noncurrent loans | 64.4330% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 1,213 |
| Noncurrent loans to loans | 2.0342% | 774 |
| Net loans and leases to total assets | 58.5861% | 3,884 |
| Net loans and leases to deposits | 71.8967% | 3,615 |
| Net loans and leases to core deposits | 71.8967% | 3,971 |
| Total domestic deposits to total assets | 81.4864% | 4,100 |
| Equity capital to assets | 12.9394% | 1,278 |
| Core capital (leverage) ratio | 13.2394% | 1,095 |
| Tier 1 risk-based capital ratio | 22.4226% | 1,000 |
| Total risk-based capital ratio | 23.6728% | 980 |
| Memoranda: | ||
| Average total assets | $64,721,000 | 4,836 |
| Average earning assets | $59,973,000 | 4,826 |
| Average equity | $8,433,500 | 4,677 |
| Average total loans | $37,748,500 | 4,756 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,124 |
| Cost of funding earning assets | 0.4038% | 3,213 |
| Net interest margin | 3.9634% | 1,870 |
| Noninterest income to average assets | 0.2233% | 4,811 |
| Noninterest expense to average assets | 2.5823% | 3,501 |
| Loan and lease loss provision to assets | 0.0818% | 2,564 |
| Net operating income to assets | 1.2471% | 1,370 |
| Return on assets (ROA) | 1.2471% | 1,390 |
| Pretax return on assets | 1.2487% | 2,561 |
| Return on Equity (ROE) | 9.6112% | 2,050 |
| Retained earnings to average equity (ytd only) | 5.6601% | 1,734 |
| Net charge-offs to loans | 0.2624% | 992 |
| Credit loss provision to net charge-offs | 50.9804% | 3,319 |
| Earnings coverage of net charge-offs (x) | 8.2941% | 2,931 |
| Efficiency ratio | 65.9968% | 3,267 |
| Assets per employee ($millions) | 5.9255% | 1,574 |
| Cash dividends to net income (ytd only)* | 41.1097% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,028 |
| Loan loss allowance to noncurrent loans | 98.8142% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 1,924 |
| Noncurrent loans to loans | 1.3548% | 1,289 |
| Net loans and leases to total assets | 56.5333% | 4,140 |
| Net loans and leases to deposits | 69.4727% | 3,918 |
| Net loans and leases to core deposits | 69.4727% | 4,208 |
| Total domestic deposits to total assets | 81.3749% | 4,030 |
| Equity capital to assets | 13.1204% | 1,209 |
| Core capital (leverage) ratio | 13.1459% | 1,096 |
| Tier 1 risk-based capital ratio | 23.1629% | 894 |
| Total risk-based capital ratio | 24.4118% | 877 |
| Memoranda: | ||
| Average total assets | $63,587,800 | 4,885 |
| Average earning assets | $59,191,600 | 4,876 |
| Average equity | $8,250,800 | 4,745 |
| Average total loans | $38,865,400 | 4,764 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 1,995 |
| Cost of funding earning assets | 0.3742% | 3,427 |
| Net interest margin | 4.0121% | 1,659 |
| Noninterest income to average assets | 0.2511% | 4,708 |
| Noninterest expense to average assets | 2.6987% | 3,067 |
| Loan and lease loss provision to assets | 0.1013% | 2,092 |
| Net operating income to assets | 1.2048% | 1,674 |
| Return on assets (ROA) | 1.2048% | 1,708 |
| Pretax return on assets | 1.2069% | 2,877 |
| Return on Equity (ROE) | 9.3121% | 2,439 |
| Retained earnings to average equity (ytd only) | 6.0504% | 2,196 |
| Net charge-offs to loans | 0.1631% | 1,265 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 12.9164% | 2,389 |
| Efficiency ratio | 67.3512% | 2,990 |
| Assets per employee ($millions) | 5.8341% | 1,623 |
| Cash dividends to net income (ytd only)* | 35.0265% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,878 |
| Loan loss allowance to noncurrent loans | 82.2123% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 1,319 |
| Noncurrent loans to loans | 1.7055% | 1,059 |
| Net loans and leases to total assets | 60.2680% | 3,830 |
| Net loans and leases to deposits | 75.0471% | 3,465 |
| Net loans and leases to core deposits | 75.0471% | 3,884 |
| Total domestic deposits to total assets | 80.3070% | 4,255 |
| Equity capital to assets | 13.2746% | 1,265 |
| Core capital (leverage) ratio | 13.1380% | 1,154 |
| Tier 1 risk-based capital ratio | 22.0415% | 1,041 |
| Total risk-based capital ratio | 23.2937% | 1,027 |
| Memoranda: | ||
| Average total assets | $63,189,500 | 4,954 |
| Average earning assets | $59,152,500 | 4,932 |
| Average equity | $8,175,500 | 4,808 |
| Average total loans | $39,244,500 | 4,801 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 2,229 |
| Cost of funding earning assets | 0.3653% | 3,424 |
| Net interest margin | 3.9029% | 1,918 |
| Noninterest income to average assets | 0.2991% | 4,393 |
| Noninterest expense to average assets | 2.8380% | 2,625 |
| Loan and lease loss provision to assets | 0.1018% | 1,989 |
| Net operating income to assets | 1.0277% | 2,298 |
| Return on assets (ROA) | 1.0277% | 2,338 |
| Pretax return on assets | 1.0308% | 3,444 |
| Return on Equity (ROE) | 8.0139% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.0517% | 3,895 |
| Net charge-offs to loans | 0.0968% | 1,658 |
| Credit loss provision to net charge-offs | 168.4211% | 1,416 |
| Earnings coverage of net charge-offs (x) | 18.7368% | 1,863 |
| Efficiency ratio | 71.4744% | 2,444 |
| Assets per employee ($millions) | 5.7464% | 1,657 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 1,820 |
| Loan loss allowance to noncurrent loans | 65.1620% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 1,161 |
| Noncurrent loans to loans | 2.1935% | 738 |
| Net loans and leases to total assets | 61.4254% | 3,698 |
| Net loans and leases to deposits | 76.4687% | 3,289 |
| Net loans and leases to core deposits | 76.4687% | 3,732 |
| Total domestic deposits to total assets | 80.3275% | 4,344 |
| Equity capital to assets | 13.0248% | 1,367 |
| Core capital (leverage) ratio | 13.1130% | 1,131 |
| Tier 1 risk-based capital ratio | 21.3894% | 1,133 |
| Total risk-based capital ratio | 22.6417% | 1,112 |
| Memoranda: | ||
| Average total assets | $62,861,000 | 4,998 |
| Average earning assets | $59,136,000 | 4,970 |
| Average equity | $8,061,000 | 4,853 |
| Average total loans | $39,250,330 | 4,832 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 1,998 |
| Cost of funding earning assets | 0.3797% | 3,207 |
| Net interest margin | 3.9053% | 1,760 |
| Noninterest income to average assets | 0.4530% | 3,297 |
| Noninterest expense to average assets | 2.8587% | 2,583 |
| Loan and lease loss provision to assets | 0.0128% | 3,403 |
| Net operating income to assets | 1.2507% | 1,376 |
| Return on assets (ROA) | 1.2507% | 1,407 |
| Pretax return on assets | 1.2570% | 2,392 |
| Return on Equity (ROE) | 9.8307% | 2,036 |
| Retained earnings to average equity (ytd only) | -0.2006% | 4,952 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2427% | 3,004 |
| Assets per employee ($millions) | 5.2378% | 2,148 |
| Cash dividends to net income (ytd only)* | 102.0408% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,908 |
| Loan loss allowance to noncurrent loans | 85.1852% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 1,760 |
| Noncurrent loans to loans | 1.6893% | 1,138 |
| Net loans and leases to total assets | 60.1531% | 3,771 |
| Net loans and leases to deposits | 70.9117% | 3,701 |
| Net loans and leases to core deposits | 70.9117% | 4,079 |
| Total domestic deposits to total assets | 84.8281% | 3,152 |
| Equity capital to assets | 12.6740% | 1,425 |
| Core capital (leverage) ratio | 13.0377% | 1,130 |
| Tier 1 risk-based capital ratio | 22.3785% | 1,045 |
| Total risk-based capital ratio | 23.6311% | 1,029 |
| Memoranda: | ||
| Average total assets | $62,686,500 | 5,057 |
| Average earning assets | $58,997,000 | 5,026 |
| Average equity | $7,975,000 | 4,902 |
| Average total loans | $39,180,500 | 4,879 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,312 |
| Cost of funding earning assets | 0.3504% | 3,512 |
| Net interest margin | 4.2361% | 1,043 |
| Noninterest income to average assets | 0.2322% | 5,024 |
| Noninterest expense to average assets | 2.7440% | 3,211 |
| Loan and lease loss provision to assets | 0.0484% | 3,424 |
| Net operating income to assets | 1.4333% | 951 |
| Return on assets (ROA) | 1.4333% | 972 |
| Pretax return on assets | 1.4349% | 1,801 |
| Return on Equity (ROE) | 10.8709% | 1,630 |
| Retained earnings to average equity (ytd only) | 1.0883% | 4,869 |
| Net charge-offs to loans | 0.1357% | 1,886 |
| Credit loss provision to net charge-offs | 54.5455% | 3,323 |
| Earnings coverage of net charge-offs (x) | 16.7273% | 2,091 |
| Efficiency ratio | 64.9123% | 3,779 |
| Assets per employee ($millions) | 5.2100% | 2,159 |
| Cash dividends to net income (ytd only)* | 89.9888% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,196 |
| Loan loss allowance to noncurrent loans | 89.1410% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 1,922 |
| Noncurrent loans to loans | 1.5425% | 1,294 |
| Net loans and leases to total assets | 63.1014% | 3,468 |
| Net loans and leases to deposits | 74.8369% | 3,433 |
| Net loans and leases to core deposits | 74.8369% | 3,851 |
| Total domestic deposits to total assets | 84.3186% | 3,311 |
| Equity capital to assets | 12.7703% | 1,362 |
| Core capital (leverage) ratio | 12.6932% | 1,256 |
| Tier 1 risk-based capital ratio | 21.2190% | 1,171 |
| Total risk-based capital ratio | 22.4698% | 1,157 |
| Memoranda: | ||
| Average total assets | $62,026,400 | 5,089 |
| Average earning assets | $58,497,200 | 5,059 |
| Average equity | $8,177,800 | 4,900 |
| Average total loans | $40,537,200 | 4,855 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,255 |
| Cost of funding earning assets | 0.3496% | 3,545 |
| Net interest margin | 4.2704% | 983 |
| Noninterest income to average assets | 0.2585% | 4,913 |
| Noninterest expense to average assets | 2.7763% | 3,092 |
| Loan and lease loss provision to assets | 0.0646% | 2,940 |
| Net operating income to assets | 1.4409% | 985 |
| Return on assets (ROA) | 1.4409% | 1,038 |
| Pretax return on assets | 1.4431% | 1,905 |
| Return on Equity (ROE) | 10.8431% | 1,731 |
| Retained earnings to average equity (ytd only) | 1.1184% | 5,053 |
| Net charge-offs to loans | 0.1803% | 1,296 |
| Credit loss provision to net charge-offs | 54.5455% | 2,976 |
| Earnings coverage of net charge-offs (x) | 12.7275% | 2,364 |
| Efficiency ratio | 64.8064% | 3,789 |
| Assets per employee ($millions) | 5.1845% | 2,154 |
| Cash dividends to net income (ytd only)* | 89.6859% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,534 |
| Loan loss allowance to noncurrent loans | 80.2920% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 1,845 |
| Noncurrent loans to loans | 1.6556% | 1,289 |
| Net loans and leases to total assets | 65.6203% | 3,184 |
| Net loans and leases to deposits | 77.8553% | 3,195 |
| Net loans and leases to core deposits | 77.8553% | 3,678 |
| Total domestic deposits to total assets | 84.2849% | 3,099 |
| Equity capital to assets | 13.2960% | 1,347 |
| Core capital (leverage) ratio | 12.7868% | 1,274 |
| Tier 1 risk-based capital ratio | 21.2245% | 1,229 |
| Total risk-based capital ratio | 22.4761% | 1,208 |
| Memoranda: | ||
| Average total assets | $61,903,000 | 5,144 |
| Average earning assets | $58,354,250 | 5,106 |
| Average equity | $8,226,250 | 4,942 |
| Average total loans | $40,671,250 | 4,899 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 1,283 |
| Cost of funding earning assets | 0.3472% | 3,601 |
| Net interest margin | 4.2449% | 1,028 |
| Noninterest income to average assets | 0.1651% | 5,493 |
| Noninterest expense to average assets | 2.5599% | 3,857 |
| Loan and lease loss provision to assets | -0.0065% | 5,757 |
| Net operating income to assets | 1.6052% | 714 |
| Return on assets (ROA) | 1.6052% | 761 |
| Pretax return on assets | 1.6084% | 1,352 |
| Return on Equity (ROE) | 12.0814% | 1,287 |
| Retained earnings to average equity (ytd only) | 2.3383% | 4,388 |
| Net charge-offs to loans | 0.1138% | 1,689 |
| Credit loss provision to net charge-offs | -8.6957% | 4,460 |
| Earnings coverage of net charge-offs (x) | 21.5217% | 1,675 |
| Efficiency ratio | 61.5086% | 4,426 |
| Assets per employee ($millions) | 5.6486% | 1,661 |
| Cash dividends to net income (ytd only)* | 80.6452% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,464 |
| Loan loss allowance to noncurrent loans | 102.4209% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1378% | 1,855 |
| Noncurrent loans to loans | 1.3337% | 1,684 |
| Net loans and leases to total assets | 63.9141% | 3,374 |
| Net loans and leases to deposits | 74.9854% | 3,481 |
| Net loans and leases to core deposits | 74.9854% | 3,909 |
| Total domestic deposits to total assets | 85.2354% | 2,767 |
| Equity capital to assets | 13.4353% | 1,267 |
| Core capital (leverage) ratio | 12.9048% | 1,190 |
| Tier 1 risk-based capital ratio | 21.9042% | 1,145 |
| Total risk-based capital ratio | 23.1559% | 1,131 |
| Memoranda: | ||
| Average total assets | $61,799,330 | 5,206 |
| Average earning assets | $58,187,000 | 5,163 |
| Average equity | $8,211,000 | 4,993 |
| Average total loans | $40,436,670 | 4,958 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 1,173 |
| Cost of funding earning assets | 0.3385% | 3,737 |
| Net interest margin | 4.2971% | 936 |
| Noninterest income to average assets | 0.0909% | 5,848 |
| Noninterest expense to average assets | 2.6480% | 3,580 |
| Loan and lease loss provision to assets | -0.0130% | 5,894 |
| Net operating income to assets | 1.4863% | 883 |
| Return on assets (ROA) | 1.4863% | 923 |
| Pretax return on assets | 1.4927% | 1,620 |
| Return on Equity (ROE) | 11.2496% | 1,514 |
| Retained earnings to average equity (ytd only) | 1.4246% | 4,696 |
| Net charge-offs to loans | -0.0197% | 4,845 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1509% | 4,100 |
| Assets per employee ($millions) | 5.5660% | 1,774 |
| Cash dividends to net income (ytd only)* | 87.3362% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 2,323 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 2,406 |
| Noncurrent loans to loans | 0.9670% | 2,444 |
| Net loans and leases to total assets | 65.0998% | 3,092 |
| Net loans and leases to deposits | 76.3008% | 3,185 |
| Net loans and leases to core deposits | 76.3008% | 3,650 |
| Total domestic deposits to total assets | 85.3200% | 2,995 |
| Equity capital to assets | 13.3391% | 1,248 |
| Core capital (leverage) ratio | 12.9338% | 1,184 |
| Tier 1 risk-based capital ratio | 21.8813% | 1,177 |
| Total risk-based capital ratio | 23.1340% | 1,158 |
| Memoranda: | ||
| Average total assets | $61,631,500 | 5,253 |
| Average earning assets | $57,900,000 | 5,218 |
| Average equity | $8,142,500 | 5,030 |
| Average total loans | $40,523,500 | 4,993 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 975 |
| Cost of funding earning assets | 0.3420% | 3,778 |
| Net interest margin | 4.4266% | 750 |
| Noninterest income to average assets | 0.3330% | 4,520 |
| Noninterest expense to average assets | 3.0195% | 2,479 |
| Loan and lease loss provision to assets | 0.1018% | 2,286 |
| Net operating income to assets | 1.3529% | 1,139 |
| Return on assets (ROA) | 1.3529% | 1,181 |
| Pretax return on assets | 1.3546% | 2,086 |
| Return on Equity (ROE) | 10.1783% | 1,941 |
| Retained earnings to average equity (ytd only) | 0.4499% | 5,335 |
| Net charge-offs to loans | 0.1541% | 1,830 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.3016% | 2,311 |
| Efficiency ratio | 67.4612% | 3,671 |
| Assets per employee ($millions) | 5.6397% | 1,664 |
| Cash dividends to net income (ytd only)* | 95.5795% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 2,346 |
| Loan loss allowance to noncurrent loans | 81.1001% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 1,330 |
| Noncurrent loans to loans | 1.7457% | 1,285 |
| Net loans and leases to total assets | 64.5405% | 3,195 |
| Net loans and leases to deposits | 75.4499% | 3,323 |
| Net loans and leases to core deposits | 75.4499% | 3,804 |
| Total domestic deposits to total assets | 85.5409% | 2,844 |
| Equity capital to assets | 13.0857% | 1,312 |
| Core capital (leverage) ratio | 12.6964% | 1,267 |
| Tier 1 risk-based capital ratio | 21.6638% | 1,193 |
| Total risk-based capital ratio | 22.9168% | 1,172 |
| Memoranda: | ||
| Average total assets | $61,865,200 | 5,278 |
| Average earning assets | $57,900,200 | 5,241 |
| Average equity | $8,223,400 | 5,018 |
| Average total loans | $40,878,400 | 4,971 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 959 |
| Cost of funding earning assets | 0.3412% | 3,844 |
| Net interest margin | 4.4451% | 727 |
| Noninterest income to average assets | 0.3235% | 4,625 |
| Noninterest expense to average assets | 2.6700% | 3,665 |
| Loan and lease loss provision to assets | 0.0841% | 2,489 |
| Net operating income to assets | 1.7253% | 595 |
| Return on assets (ROA) | 1.7253% | 616 |
| Pretax return on assets | 1.7275% | 1,038 |
| Return on Equity (ROE) | 12.9294% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.2323% | 4,160 |
| Net charge-offs to loans | 0.1270% | 1,861 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 21.5379% | 1,818 |
| Efficiency ratio | 59.5765% | 4,935 |
| Assets per employee ($millions) | 5.1445% | 2,117 |
| Cash dividends to net income (ytd only)* | 75.0000% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 2,605 |
| Loan loss allowance to noncurrent loans | 62.0280% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.1431% | 912 |
| Noncurrent loans to loans | 2.2555% | 958 |
| Net loans and leases to total assets | 65.6429% | 3,070 |
| Net loans and leases to deposits | 76.9804% | 3,196 |
| Net loans and leases to core deposits | 76.9804% | 3,692 |
| Total domestic deposits to total assets | 85.2723% | 2,899 |
| Equity capital to assets | 13.4707% | 1,239 |
| Core capital (leverage) ratio | 13.0815% | 1,175 |
| Tier 1 risk-based capital ratio | 20.8700% | 1,364 |
| Total risk-based capital ratio | 22.1225% | 1,339 |
| Memoranda: | ||
| Average total assets | $61,822,250 | 5,345 |
| Average earning assets | $57,829,750 | 5,312 |
| Average equity | $8,249,750 | 5,080 |
| Average total loans | $40,944,500 | 5,024 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 971 |
| Cost of funding earning assets | 0.3360% | 3,972 |
| Net interest margin | 4.4238% | 730 |
| Noninterest income to average assets | 0.2846% | 4,924 |
| Noninterest expense to average assets | 2.6418% | 3,771 |
| Loan and lease loss provision to assets | 0.0582% | 2,939 |
| Net operating income to assets | 1.7105% | 618 |
| Return on assets (ROA) | 1.7105% | 646 |
| Pretax return on assets | 1.7138% | 1,055 |
| Return on Equity (ROE) | 12.8590% | 1,142 |
| Retained earnings to average equity (ytd only) | 3.1358% | 4,056 |
| Net charge-offs to loans | 0.0880% | 2,154 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,353 |
| Efficiency ratio | 59.8535% | 5,004 |
| Assets per employee ($millions) | 5.1048% | 2,140 |
| Cash dividends to net income (ytd only)* | 75.6144% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 2,722 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.5760% | 720 |
| Noncurrent loans to loans | 2.8141% | 734 |
| Net loans and leases to total assets | 65.7737% | 2,990 |
| Net loans and leases to deposits | 77.9233% | 3,040 |
| Net loans and leases to core deposits | 77.9233% | 3,583 |
| Total domestic deposits to total assets | 84.4083% | 3,398 |
| Equity capital to assets | 13.4336% | 1,200 |
| Core capital (leverage) ratio | 13.0406% | 1,149 |
| Tier 1 risk-based capital ratio | 20.8091% | 1,405 |
| Total risk-based capital ratio | 22.0614% | 1,380 |
| Memoranda: | ||
| Average total assets | $61,851,670 | 5,399 |
| Average earning assets | $57,733,000 | 5,372 |
| Average equity | $8,227,670 | 5,119 |
| Average total loans | $40,893,000 | 5,073 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,003 |
| Cost of funding earning assets | 0.3320% | 4,067 |
| Net interest margin | 4.3857% | 758 |
| Noninterest income to average assets | 0.2832% | 4,913 |
| Noninterest expense to average assets | 2.5938% | 3,958 |
| Loan and lease loss provision to assets | -0.0064% | 6,090 |
| Net operating income to assets | 1.7699% | 511 |
| Return on assets (ROA) | 1.7699% | 538 |
| Pretax return on assets | 1.7764% | 905 |
| Return on Equity (ROE) | 13.3706% | 1,017 |
| Retained earnings to average equity (ytd only) | 3.6465% | 3,818 |
| Net charge-offs to loans | -0.0098% | 4,713 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4395% | 5,164 |
| Assets per employee ($millions) | 5.1028% | 2,227 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,976 |
| Loan loss allowance to noncurrent loans | 70.9877% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.6636% | 770 |
| Noncurrent loans to loans | 1.9531% | 1,357 |
| Net loans and leases to total assets | 66.7897% | 2,634 |
| Net loans and leases to deposits | 79.2459% | 2,650 |
| Net loans and leases to core deposits | 79.6440% | 3,207 |
| Total domestic deposits to total assets | 84.2816% | 3,704 |
| Equity capital to assets | 13.4925% | 1,173 |
| Core capital (leverage) ratio | 12.7301% | 1,262 |
| Tier 1 risk-based capital ratio | 20.7121% | 1,477 |
| Total risk-based capital ratio | 21.9590% | 1,447 |
| Memoranda: | ||
| Average total assets | $62,149,000 | 5,447 |
| Average earning assets | $57,824,500 | 5,427 |
| Average equity | $8,227,000 | 5,154 |
| Average total loans | $40,906,500 | 5,107 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 966 |
| Cost of funding earning assets | 0.3794% | 3,916 |
| Net interest margin | 4.4952% | 756 |
| Noninterest income to average assets | 0.3687% | 4,441 |
| Noninterest expense to average assets | 2.9783% | 2,910 |
| Loan and lease loss provision to assets | -0.2758% | 6,355 |
| Net operating income to assets | 1.8484% | 430 |
| Return on assets (ROA) | 1.8484% | 446 |
| Pretax return on assets | 1.8484% | 716 |
| Return on Equity (ROE) | 14.3694% | 872 |
| Retained earnings to average equity (ytd only) | 2.1193% | 4,719 |
| Net charge-offs to loans | -0.4950% | 6,391 |
| Credit loss provision to net charge-offs | 87.5000% | 2,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4432% | 4,332 |
| Assets per employee ($millions) | 5.2553% | 2,008 |
| Cash dividends to net income (ytd only)* | 85.2515% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 2,821 |
| Loan loss allowance to noncurrent loans | 72.4181% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.6671% | 838 |
| Noncurrent loans to loans | 1.9683% | 1,421 |
| Net loans and leases to total assets | 63.0550% | 3,349 |
| Net loans and leases to deposits | 73.2874% | 3,517 |
| Net loans and leases to core deposits | 73.6375% | 3,950 |
| Total domestic deposits to total assets | 86.0380% | 2,818 |
| Equity capital to assets | 12.9900% | 1,377 |
| Core capital (leverage) ratio | 12.5323% | 1,343 |
| Tier 1 risk-based capital ratio | 20.6410% | 1,483 |
| Total risk-based capital ratio | 21.8956% | 1,454 |
| Memoranda: | ||
| Average total assets | $63,459,600 | 5,463 |
| Average earning assets | $59,041,000 | 5,426 |
| Average equity | $8,163,200 | 5,166 |
| Average total loans | $40,400,000 | 5,164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 1,348 |
| Cost of funding earning assets | 0.3873% | 3,934 |
| Net interest margin | 4.2959% | 1,059 |
| Noninterest income to average assets | 0.6734% | 2,462 |
| Noninterest expense to average assets | 2.7879% | 3,508 |
| Loan and lease loss provision to assets | 0.1531% | 1,619 |
| Net operating income to assets | 1.7348% | 577 |
| Return on assets (ROA) | 1.7348% | 591 |
| Pretax return on assets | 1.7348% | 1,004 |
| Return on Equity (ROE) | 13.5194% | 1,088 |
| Retained earnings to average equity (ytd only) | 3.7109% | 4,002 |
| Net charge-offs to loans | 0.1584% | 2,221 |
| Credit loss provision to net charge-offs | 152.0833% | 1,563 |
| Earnings coverage of net charge-offs (x) | 18.7495% | 1,822 |
| Efficiency ratio | 59.6231% | 5,238 |
| Assets per employee ($millions) | 5.2242% | 1,989 |
| Cash dividends to net income (ytd only)* | 72.5513% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 2,975 |
| Loan loss allowance to noncurrent loans | 69.3607% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.9574% | 807 |
| Noncurrent loans to loans | 2.0815% | 1,508 |
| Net loans and leases to total assets | 62.6129% | 3,394 |
| Net loans and leases to deposits | 73.2942% | 3,521 |
| Net loans and leases to core deposits | 73.6491% | 3,979 |
| Total domestic deposits to total assets | 85.4267% | 3,144 |
| Equity capital to assets | 13.1297% | 1,364 |
| Core capital (leverage) ratio | 12.5196% | 1,392 |
| Tier 1 risk-based capital ratio | 20.8902% | 1,475 |
| Total risk-based capital ratio | 22.1434% | 1,451 |
| Memoranda: | ||
| Average total assets | $63,558,500 | 5,520 |
| Average earning assets | $59,218,000 | 5,477 |
| Average equity | $8,156,000 | 5,204 |
| Average total loans | $40,415,000 | 5,221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,349 |
| Cost of funding earning assets | 0.3925% | 3,955 |
| Net interest margin | 4.2770% | 1,072 |
| Noninterest income to average assets | 0.6923% | 2,323 |
| Noninterest expense to average assets | 2.7096% | 3,824 |
| Loan and lease loss provision to assets | 0.0595% | 3,079 |
| Net operating income to assets | 1.9171% | 397 |
| Return on assets (ROA) | 1.9171% | 413 |
| Pretax return on assets | 1.9171% | 659 |
| Return on Equity (ROE) | 15.0535% | 784 |
| Retained earnings to average equity (ytd only) | 5.2146% | 2,821 |
| Net charge-offs to loans | 0.0936% | 2,741 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 33.2105% | 1,187 |
| Efficiency ratio | 57.8209% | 5,575 |
| Assets per employee ($millions) | 5.2223% | 1,947 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,280 |
| Loan loss allowance to noncurrent loans | 107.8431% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 2.1271% | 1,455 |
| Noncurrent loans to loans | 1.3110% | 2,619 |
| Net loans and leases to total assets | 61.2013% | 3,539 |
| Net loans and leases to deposits | 71.5982% | 3,627 |
| Net loans and leases to core deposits | 71.9447% | 4,057 |
| Total domestic deposits to total assets | 85.4788% | 3,293 |
| Equity capital to assets | 13.1010% | 1,320 |
| Core capital (leverage) ratio | 12.4525% | 1,422 |
| Tier 1 risk-based capital ratio | 21.1137% | 1,428 |
| Total risk-based capital ratio | 22.3668% | 1,400 |
| Memoranda: | ||
| Average total assets | $63,848,000 | 5,565 |
| Average earning assets | $59,621,670 | 5,513 |
| Average equity | $8,131,000 | 5,235 |
| Average total loans | $40,611,000 | 5,247 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 1,237 |
| Cost of funding earning assets | 0.4113% | 3,844 |
| Net interest margin | 4.2985% | 999 |
| Noninterest income to average assets | 1.0925% | 933 |
| Noninterest expense to average assets | 2.6940% | 3,946 |
| Loan and lease loss provision to assets | -0.0124% | 6,405 |
| Net operating income to assets | 2.4333% | 162 |
| Return on assets (ROA) | 2.4333% | 171 |
| Pretax return on assets | 2.4333% | 251 |
| Return on Equity (ROE) | 19.3784% | 336 |
| Retained earnings to average equity (ytd only) | 9.4914% | 1,106 |
| Net charge-offs to loans | -0.0193% | 5,334 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6699% | 6,102 |
| Assets per employee ($millions) | 5.3588% | 1,850 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,757 |
| Loan loss allowance to noncurrent loans | 67.0732% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.1864% | 1,513 |
| Noncurrent loans to loans | 2.0376% | 1,824 |
| Net loans and leases to total assets | 61.7252% | 3,280 |
| Net loans and leases to deposits | 71.8685% | 3,355 |
| Net loans and leases to core deposits | 72.2059% | 3,854 |
| Total domestic deposits to total assets | 85.8862% | 3,423 |
| Equity capital to assets | 12.7469% | 1,433 |
| Core capital (leverage) ratio | 12.2394% | 1,514 |
| Tier 1 risk-based capital ratio | 20.3133% | 1,645 |
| Total risk-based capital ratio | 21.5657% | 1,609 |
| Memoranda: | ||
| Average total assets | $64,438,500 | 5,615 |
| Average earning assets | $60,300,500 | 5,555 |
| Average equity | $8,091,500 | 5,265 |
| Average total loans | $41,465,000 | 5,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 1,227 |
| Cost of funding earning assets | 0.4785% | 3,831 |
| Net interest margin | 4.3612% | 971 |
| Noninterest income to average assets | 0.5381% | 3,492 |
| Noninterest expense to average assets | 2.6115% | 4,417 |
| Loan and lease loss provision to assets | 0.6308% | 386 |
| Net operating income to assets | 1.3807% | 1,069 |
| Return on assets (ROA) | 1.4008% | 1,064 |
| Pretax return on assets | 1.4024% | 1,769 |
| Return on Equity (ROE) | 11.2541% | 1,684 |
| Retained earnings to average equity (ytd only) | 1.3167% | 5,236 |
| Net charge-offs to loans | 0.9998% | 583 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.1912% | 3,931 |
| Efficiency ratio | 56.4694% | 5,897 |
| Assets per employee ($millions) | 4.9670% | 2,216 |
| Cash dividends to net income (ytd only)* | 88.3002% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,196 |
| Loan loss allowance to noncurrent loans | 48.1611% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 2,028 |
| Noncurrent loans to loans | 2.6753% | 1,376 |
| Net loans and leases to total assets | 65.2568% | 2,812 |
| Net loans and leases to deposits | 77.3894% | 2,801 |
| Net loans and leases to core deposits | 77.7579% | 3,398 |
| Total domestic deposits to total assets | 84.3227% | 4,046 |
| Equity capital to assets | 12.3678% | 1,581 |
| Core capital (leverage) ratio | 11.8059% | 1,750 |
| Tier 1 risk-based capital ratio | 18.9306% | 1,946 |
| Total risk-based capital ratio | 20.1812% | 1,900 |
| Memoranda: | ||
| Average total assets | $64,675,600 | 5,631 |
| Average earning assets | $60,602,800 | 5,571 |
| Average equity | $8,050,400 | 5,324 |
| Average total loans | $40,810,200 | 5,311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 1,330 |
| Cost of funding earning assets | 0.4846% | 3,921 |
| Net interest margin | 4.3241% | 1,039 |
| Noninterest income to average assets | 0.4905% | 3,878 |
| Noninterest expense to average assets | 2.6006% | 4,387 |
| Loan and lease loss provision to assets | 0.8037% | 242 |
| Net operating income to assets | 1.1293% | 1,888 |
| Return on assets (ROA) | 1.1560% | 1,858 |
| Pretax return on assets | 1.1581% | 2,854 |
| Return on Equity (ROE) | 9.2727% | 2,507 |
| Retained earnings to average equity (ytd only) | -0.6446% | 6,072 |
| Net charge-offs to loans | 1.2890% | 412 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.4077% | 4,032 |
| Efficiency ratio | 57.3376% | 5,764 |
| Assets per employee ($millions) | 5.4017% | 1,731 |
| Cash dividends to net income (ytd only)* | 106.9521% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,437 |
| Loan loss allowance to noncurrent loans | 44.2478% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 2.4020% | 1,620 |
| Noncurrent loans to loans | 2.9186% | 1,397 |
| Net loans and leases to total assets | 64.8550% | 2,838 |
| Net loans and leases to deposits | 76.7934% | 2,845 |
| Net loans and leases to core deposits | 77.1570% | 3,476 |
| Total domestic deposits to total assets | 84.4539% | 4,004 |
| Equity capital to assets | 12.1876% | 1,792 |
| Core capital (leverage) ratio | 11.6192% | 1,933 |
| Tier 1 risk-based capital ratio | 18.5325% | 2,129 |
| Total risk-based capital ratio | 19.7849% | 2,097 |
| Memoranda: | ||
| Average total assets | $64,701,750 | 5,692 |
| Average earning assets | $60,528,000 | 5,635 |
| Average equity | $8,066,500 | 5,374 |
| Average total loans | $40,341,000 | 5,385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,519 |
| Cost of funding earning assets | 0.4948% | 3,946 |
| Net interest margin | 4.2243% | 1,213 |
| Noninterest income to average assets | 0.6124% | 3,117 |
| Noninterest expense to average assets | 2.4311% | 4,964 |
| Loan and lease loss provision to assets | 1.1784% | 137 |
| Net operating income to assets | 0.9372% | 2,632 |
| Return on assets (ROA) | 0.9774% | 2,579 |
| Pretax return on assets | 0.9774% | 3,615 |
| Return on Equity (ROE) | 7.7813% | 3,201 |
| Retained earnings to average equity (ytd only) | -2.0685% | 6,200 |
| Net charge-offs to loans | 1.9246% | 236 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.7953% | 3,933 |
| Efficiency ratio | 53.4694% | 6,181 |
| Assets per employee ($millions) | 4.9392% | 2,177 |
| Cash dividends to net income (ytd only)* | 126.5823% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,271 |
| Loan loss allowance to noncurrent loans | 47.7016% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.0744% | 2,085 |
| Noncurrent loans to loans | 2.8287% | 1,597 |
| Net loans and leases to total assets | 62.6242% | 3,175 |
| Net loans and leases to deposits | 74.3011% | 3,106 |
| Net loans and leases to core deposits | 75.0303% | 3,670 |
| Total domestic deposits to total assets | 84.2844% | 4,208 |
| Equity capital to assets | 12.3517% | 1,674 |
| Core capital (leverage) ratio | 11.6462% | 1,834 |
| Tier 1 risk-based capital ratio | 18.8387% | 2,036 |
| Total risk-based capital ratio | 20.0894% | 1,998 |
| Memoranda: | ||
| Average total assets | $64,662,330 | 5,734 |
| Average earning assets | $60,223,330 | 5,686 |
| Average equity | $8,122,000 | 5,401 |
| Average total loans | $39,591,670 | 5,436 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 2,069 |
| Cost of funding earning assets | 0.5018% | 4,069 |
| Net interest margin | 4.0273% | 1,688 |
| Noninterest income to average assets | 0.3452% | 4,927 |
| Noninterest expense to average assets | 2.4719% | 4,859 |
| Loan and lease loss provision to assets | 0.8260% | 258 |
| Net operating income to assets | 0.8075% | 3,113 |
| Return on assets (ROA) | 0.8075% | 3,249 |
| Pretax return on assets | 0.8075% | 4,143 |
| Return on Equity (ROE) | 6.3766% | 3,835 |
| Retained earnings to average equity (ytd only) | -3.3587% | 6,219 |
| Net charge-offs to loans | 0.0923% | 2,922 |
| Credit loss provision to net charge-offs | 1,488.8889% | 223 |
| Earnings coverage of net charge-offs (x) | 29.4444% | 969 |
| Efficiency ratio | 60.2102% | 5,558 |
| Assets per employee ($millions) | 4.9750% | 2,244 |
| Cash dividends to net income (ytd only)* | 152.6718% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 2,952 |
| Loan loss allowance to noncurrent loans | 45.6081% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.0445% | 1,466 |
| Noncurrent loans to loans | 3.7573% | 1,236 |
| Net loans and leases to total assets | 59.8608% | 3,451 |
| Net loans and leases to deposits | 70.7576% | 3,358 |
| Net loans and leases to core deposits | 71.4444% | 3,891 |
| Total domestic deposits to total assets | 84.5999% | 4,225 |
| Equity capital to assets | 12.6386% | 1,626 |
| Core capital (leverage) ratio | 11.5796% | 1,826 |
| Tier 1 risk-based capital ratio | 19.2861% | 1,959 |
| Total risk-based capital ratio | 20.5409% | 1,931 |
| Memoranda: | ||
| Average total assets | $64,888,500 | 5,779 |
| Average earning assets | $60,587,000 | 5,729 |
| Average equity | $8,217,500 | 5,427 |
| Average total loans | $39,007,000 | 5,505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,364 |
| Cost of funding earning assets | 0.6896% | 3,571 |
| Net interest margin | 4.0694% | 2,122 |
| Noninterest income to average assets | 0.2882% | 5,405 |
| Noninterest expense to average assets | 2.1435% | 6,042 |
| Loan and lease loss provision to assets | 0.2352% | 2,781 |
| Net operating income to assets | 1.7136% | 601 |
| Return on assets (ROA) | 1.7245% | 661 |
| Pretax return on assets | 1.7260% | 1,077 |
| Return on Equity (ROE) | 13.6700% | 1,064 |
| Retained earnings to average equity (ytd only) | 3.7911% | 3,541 |
| Net charge-offs to loans | 0.4164% | 2,581 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.2914% | 2,435 |
| Efficiency ratio | 52.3592% | 6,434 |
| Assets per employee ($millions) | 5.9184% | 1,345 |
| Cash dividends to net income (ytd only)* | 72.2674% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 4,045 |
| Loan loss allowance to noncurrent loans | 56.2372% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 2,461 |
| Noncurrent loans to loans | 2.5321% | 2,085 |
| Net loans and leases to total assets | 58.4836% | 3,886 |
| Net loans and leases to deposits | 69.6803% | 3,753 |
| Net loans and leases to core deposits | 70.3563% | 4,256 |
| Total domestic deposits to total assets | 83.9314% | 4,348 |
| Equity capital to assets | 12.6893% | 1,596 |
| Core capital (leverage) ratio | 11.6644% | 1,755 |
| Tier 1 risk-based capital ratio | 20.0074% | 1,677 |
| Total risk-based capital ratio | 21.2603% | 1,649 |
| Memoranda: | ||
| Average total assets | $64,193,600 | 5,810 |
| Average earning assets | $60,033,800 | 5,743 |
| Average equity | $8,098,000 | 5,473 |
| Average total loans | $36,259,600 | 5,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7773% | 2,470 |
| Cost of funding earning assets | 0.7355% | 3,474 |
| Net interest margin | 4.0418% | 2,328 |
| Noninterest income to average assets | 0.3106% | 5,303 |
| Noninterest expense to average assets | 2.0594% | 6,246 |
| Loan and lease loss provision to assets | 0.1542% | 3,594 |
| Net operating income to assets | 1.8864% | 466 |
| Return on assets (ROA) | 1.9009% | 529 |
| Pretax return on assets | 1.9030% | 863 |
| Return on Equity (ROE) | 15.0916% | 884 |
| Retained earnings to average equity (ytd only) | 5.1629% | 3,246 |
| Net charge-offs to loans | 0.2766% | 3,067 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 13.2438% | 1,929 |
| Efficiency ratio | 50.2033% | 6,576 |
| Assets per employee ($millions) | 5.3807% | 1,750 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,185 |
| Loan loss allowance to noncurrent loans | 72.2733% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.6727% | 3,072 |
| Noncurrent loans to loans | 1.9958% | 2,845 |
| Net loans and leases to total assets | 58.2022% | 4,103 |
| Net loans and leases to deposits | 69.5990% | 3,950 |
| Net loans and leases to core deposits | 70.2837% | 4,472 |
| Total domestic deposits to total assets | 83.6250% | 4,383 |
| Equity capital to assets | 12.8345% | 1,683 |
| Core capital (leverage) ratio | 11.7794% | 1,783 |
| Tier 1 risk-based capital ratio | 19.9145% | 1,782 |
| Total risk-based capital ratio | 21.1662% | 1,760 |
| Memoranda: | ||
| Average total assets | $63,966,500 | 5,882 |
| Average earning assets | $60,004,000 | 5,805 |
| Average equity | $8,057,250 | 5,545 |
| Average total loans | $35,668,500 | 5,764 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 3,375 |
| Cost of funding earning assets | 0.7806% | 3,357 |
| Net interest margin | 3.8161% | 3,287 |
| Noninterest income to average assets | 0.3544% | 4,999 |
| Noninterest expense to average assets | 2.0418% | 6,347 |
| Loan and lease loss provision to assets | 0.2321% | 2,755 |
| Net operating income to assets | 1.6498% | 753 |
| Return on assets (ROA) | 1.6498% | 842 |
| Pretax return on assets | 1.6529% | 1,389 |
| Return on Equity (ROE) | 13.1819% | 1,315 |
| Retained earnings to average equity (ytd only) | 5.6136% | 2,922 |
| Net charge-offs to loans | 0.4247% | 2,337 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 8.1216% | 2,359 |
| Efficiency ratio | 51.9968% | 6,507 |
| Assets per employee ($millions) | 5.4429% | 1,663 |
| Cash dividends to net income (ytd only)* | 57.4144% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,924 |
| Loan loss allowance to noncurrent loans | 89.7227% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 3,575 |
| Noncurrent loans to loans | 1.6929% | 3,360 |
| Net loans and leases to total assets | 54.5970% | 4,691 |
| Net loans and leases to deposits | 66.7890% | 4,397 |
| Net loans and leases to core deposits | 67.4523% | 4,852 |
| Total domestic deposits to total assets | 81.7454% | 5,221 |
| Equity capital to assets | 12.5209% | 1,802 |
| Core capital (leverage) ratio | 11.8180% | 1,710 |
| Tier 1 risk-based capital ratio | 20.5620% | 1,559 |
| Total risk-based capital ratio | 21.8065% | 1,542 |
| Memoranda: | ||
| Average total assets | $63,766,000 | 5,923 |
| Average earning assets | $59,695,000 | 5,850 |
| Average equity | $7,980,670 | 5,577 |
| Average total loans | $34,848,000 | 5,835 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 3,508 |
| Cost of funding earning assets | 0.8600% | 2,993 |
| Net interest margin | 3.7381% | 3,647 |
| Noninterest income to average assets | 0.4001% | 4,671 |
| Noninterest expense to average assets | 2.1082% | 6,254 |
| Loan and lease loss provision to assets | 0.4826% | 1,266 |
| Net operating income to assets | 1.3081% | 1,438 |
| Return on assets (ROA) | 1.3081% | 1,605 |
| Pretax return on assets | 1.3145% | 2,491 |
| Return on Equity (ROE) | 10.4542% | 2,253 |
| Retained earnings to average equity (ytd only) | 2.8419% | 4,826 |
| Net charge-offs to loans | 0.8897% | 1,156 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.7237% | 2,770 |
| Efficiency ratio | 53.9837% | 6,351 |
| Assets per employee ($millions) | 5.3116% | 1,873 |
| Cash dividends to net income (ytd only)* | 72.8155% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 3,496 |
| Loan loss allowance to noncurrent loans | 87.5796% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 3,639 |
| Noncurrent loans to loans | 1.8956% | 3,289 |
| Net loans and leases to total assets | 51.1147% | 5,135 |
| Net loans and leases to deposits | 58.5834% | 5,312 |
| Net loans and leases to core deposits | 59.4808% | 5,578 |
| Total domestic deposits to total assets | 87.2511% | 2,801 |
| Equity capital to assets | 12.3770% | 1,802 |
| Core capital (leverage) ratio | 11.7427% | 1,740 |
| Tier 1 risk-based capital ratio | 21.7341% | 1,329 |
| Total risk-based capital ratio | 22.9880% | 1,305 |
| Memoranda: | ||
| Average total assets | $62,991,500 | 5,983 |
| Average earning assets | $59,067,000 | 5,904 |
| Average equity | $7,882,000 | 5,631 |
| Average total loans | $34,167,000 | 5,911 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 1,910 |
| Cost of funding earning assets | 1.1010% | 2,669 |
| Net interest margin | 4.1395% | 2,269 |
| Noninterest income to average assets | 0.4128% | 4,509 |
| Noninterest expense to average assets | 2.2973% | 6,044 |
| Loan and lease loss provision to assets | 0.2812% | 3,420 |
| Net operating income to assets | 1.6922% | 557 |
| Return on assets (ROA) | 1.6922% | 592 |
| Pretax return on assets | 1.6922% | 999 |
| Return on Equity (ROE) | 13.6642% | 1,023 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,422 |
| Net charge-offs to loans | 1.2950% | 1,272 |
| Credit loss provision to net charge-offs | 36.3057% | 5,694 |
| Earnings coverage of net charge-offs (x) | 2.5478% | 3,940 |
| Efficiency ratio | 53.7928% | 6,531 |
| Assets per employee ($millions) | 5.6585% | 1,470 |
| Cash dividends to net income (ytd only)* | 81.4383% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 3,741 |
| Loan loss allowance to noncurrent loans | 30.5895% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 3.0686% | 1,953 |
| Noncurrent loans to loans | 5.1074% | 1,098 |
| Net loans and leases to total assets | 55.6744% | 4,770 |
| Net loans and leases to deposits | 64.0105% | 5,006 |
| Net loans and leases to core deposits | 65.0083% | 5,363 |
| Total domestic deposits to total assets | 86.9771% | 2,774 |
| Equity capital to assets | 12.6518% | 1,695 |
| Core capital (leverage) ratio | 11.6809% | 1,773 |
| Tier 1 risk-based capital ratio | 20.4129% | 1,543 |
| Total risk-based capital ratio | 21.6666% | 1,514 |
| Memoranda: | ||
| Average total assets | $60,809,800 | 6,012 |
| Average earning assets | $56,674,000 | 5,955 |
| Average equity | $7,530,600 | 5,706 |
| Average total loans | $36,370,000 | 5,855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 1,747 |
| Cost of funding earning assets | 1.1519% | 2,626 |
| Net interest margin | 4.1801% | 2,177 |
| Noninterest income to average assets | 0.4698% | 4,133 |
| Noninterest expense to average assets | 2.3092% | 6,004 |
| Loan and lease loss provision to assets | 0.3882% | 2,529 |
| Net operating income to assets | 1.6542% | 701 |
| Return on assets (ROA) | 1.6542% | 767 |
| Pretax return on assets | 1.6542% | 1,245 |
| Return on Equity (ROE) | 13.4325% | 1,173 |
| Retained earnings to average equity (ytd only) | 1.1641% | 5,549 |
| Net charge-offs to loans | 1.7311% | 796 |
| Credit loss provision to net charge-offs | 36.9748% | 5,300 |
| Earnings coverage of net charge-offs (x) | 1.9454% | 4,197 |
| Efficiency ratio | 53.0664% | 6,587 |
| Assets per employee ($millions) | 5.6001% | 1,502 |
| Cash dividends to net income (ytd only)* | 91.3328% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,980 |
| Loan loss allowance to noncurrent loans | 41.5094% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 2,516 |
| Noncurrent loans to loans | 3.6741% | 1,862 |
| Net loans and leases to total assets | 57.6500% | 4,559 |
| Net loans and leases to deposits | 66.1963% | 4,874 |
| Net loans and leases to core deposits | 67.2378% | 5,278 |
| Total domestic deposits to total assets | 87.0895% | 2,601 |
| Equity capital to assets | 12.5469% | 1,893 |
| Core capital (leverage) ratio | 11.5598% | 1,980 |
| Tier 1 risk-based capital ratio | 20.0803% | 1,665 |
| Total risk-based capital ratio | 21.3333% | 1,633 |
| Memoranda: | ||
| Average total assets | $60,451,250 | 6,070 |
| Average earning assets | $56,138,250 | 6,027 |
| Average equity | $7,444,500 | 5,767 |
| Average total loans | $36,661,500 | 5,888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 1,470 |
| Cost of funding earning assets | 1.1929% | 2,624 |
| Net interest margin | 4.2383% | 1,884 |
| Noninterest income to average assets | 0.3629% | 4,973 |
| Noninterest expense to average assets | 2.2774% | 6,184 |
| Loan and lease loss provision to assets | 0.4328% | 2,262 |
| Net operating income to assets | 1.5682% | 776 |
| Return on assets (ROA) | 1.5682% | 827 |
| Pretax return on assets | 1.5682% | 1,334 |
| Return on Equity (ROE) | 12.8169% | 1,240 |
| Retained earnings to average equity (ytd only) | -1.7688% | 6,212 |
| Net charge-offs to loans | 1.2479% | 1,251 |
| Credit loss provision to net charge-offs | 56.5217% | 4,429 |
| Earnings coverage of net charge-offs (x) | 2.6130% | 3,521 |
| Efficiency ratio | 53.2296% | 6,693 |
| Assets per employee ($millions) | 5.4266% | 1,630 |
| Cash dividends to net income (ytd only)* | 113.8004% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0310% | 2,282 |
| Loan loss allowance to noncurrent loans | 46.2963% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 3.4158% | 1,935 |
| Noncurrent loans to loans | 4.3870% | 1,539 |
| Net loans and leases to total assets | 60.6051% | 4,166 |
| Net loans and leases to deposits | 69.5230% | 4,496 |
| Net loans and leases to core deposits | 70.6499% | 4,995 |
| Total domestic deposits to total assets | 87.1727% | 2,642 |
| Equity capital to assets | 12.4738% | 1,795 |
| Core capital (leverage) ratio | 11.6137% | 1,837 |
| Tier 1 risk-based capital ratio | 19.3924% | 1,742 |
| Total risk-based capital ratio | 20.6518% | 1,709 |
| Memoranda: | ||
| Average total assets | $60,068,000 | 6,136 |
| Average earning assets | $55,493,330 | 6,100 |
| Average equity | $7,349,670 | 5,820 |
| Average total loans | $36,861,000 | 5,940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 1,026 |
| Cost of funding earning assets | 1.2590% | 2,441 |
| Net interest margin | 4.3557% | 1,410 |
| Noninterest income to average assets | 0.3983% | 4,707 |
| Noninterest expense to average assets | 2.3234% | 6,129 |
| Loan and lease loss provision to assets | 0.3054% | 2,727 |
| Net operating income to assets | 1.7658% | 522 |
| Return on assets (ROA) | 1.7658% | 551 |
| Pretax return on assets | 1.7658% | 872 |
| Return on Equity (ROE) | 14.5723% | 891 |
| Retained earnings to average equity (ytd only) | -6.6836% | 6,648 |
| Net charge-offs to loans | 0.4996% | 2,224 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.7826% | 2,047 |
| Efficiency ratio | 52.8701% | 6,791 |
| Assets per employee ($millions) | 5.4326% | 1,635 |
| Cash dividends to net income (ytd only)* | 145.8647% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3232% | 1,725 |
| Loan loss allowance to noncurrent loans | 45.3817% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 3.6379% | 1,870 |
| Noncurrent loans to loans | 5.1192% | 1,313 |
| Net loans and leases to total assets | 59.8035% | 4,310 |
| Net loans and leases to deposits | 68.3641% | 4,627 |
| Net loans and leases to core deposits | 69.4670% | 5,116 |
| Total domestic deposits to total assets | 87.4780% | 2,677 |
| Equity capital to assets | 12.1655% | 1,818 |
| Core capital (leverage) ratio | 11.5422% | 1,821 |
| Tier 1 risk-based capital ratio | 19.3429% | 1,725 |
| Total risk-based capital ratio | 20.6065% | 1,695 |
| Memoranda: | ||
| Average total assets | $60,255,500 | 6,176 |
| Average earning assets | $55,283,500 | 6,152 |
| Average equity | $7,301,500 | 5,843 |
| Average total loans | $36,828,000 | 5,997 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6283% | 1,800 |
| Cost of funding earning assets | 1.5068% | 2,597 |
| Net interest margin | 4.1215% | 2,472 |
| Noninterest income to average assets | 0.3333% | 5,400 |
| Noninterest expense to average assets | 2.2594% | 6,458 |
| Loan and lease loss provision to assets | 0.6247% | 2,637 |
| Net operating income to assets | 1.2361% | 1,329 |
| Return on assets (ROA) | 1.2361% | 1,401 |
| Pretax return on assets | 1.2377% | 2,111 |
| Return on Equity (ROE) | 9.9949% | 1,927 |
| Retained earnings to average equity (ytd only) | -1.6929% | 5,918 |
| Net charge-offs to loans | 0.1933% | 5,137 |
| Credit loss provision to net charge-offs | 510.9589% | 446 |
| Earnings coverage of net charge-offs (x) | 15.2329% | 1,291 |
| Efficiency ratio | 54.8151% | 6,733 |
| Assets per employee ($millions) | 4.6732% | 2,590 |
| Cash dividends to net income (ytd only)* | 116.9377% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2931% | 1,707 |
| Loan loss allowance to noncurrent loans | 40.2081% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 3.9752% | 1,711 |
| Noncurrent loans to loans | 5.7030% | 1,123 |
| Net loans and leases to total assets | 59.6161% | 4,744 |
| Net loans and leases to deposits | 68.0700% | 5,093 |
| Net loans and leases to core deposits | 69.1368% | 5,535 |
| Total domestic deposits to total assets | 87.5807% | 2,498 |
| Equity capital to assets | 12.0704% | 1,871 |
| Core capital (leverage) ratio | 11.5578% | 1,805 |
| Tier 1 risk-based capital ratio | 19.3766% | 1,621 |
| Total risk-based capital ratio | 20.6398% | 1,592 |
| Memoranda: | ||
| Average total assets | $59,705,600 | 6,213 |
| Average earning assets | $54,883,200 | 6,178 |
| Average equity | $7,383,800 | 5,912 |
| Average total loans | $37,760,200 | 6,025 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6816% | 1,772 |
| Cost of funding earning assets | 1.5435% | 2,708 |
| Net interest margin | 4.1380% | 2,455 |
| Noninterest income to average assets | 0.3791% | 5,123 |
| Noninterest expense to average assets | 2.3327% | 6,226 |
| Loan and lease loss provision to assets | 0.6460% | 2,367 |
| Net operating income to assets | 1.2045% | 1,582 |
| Return on assets (ROA) | 1.2045% | 1,666 |
| Pretax return on assets | 1.2067% | 2,462 |
| Return on Equity (ROE) | 9.6800% | 2,255 |
| Retained earnings to average equity (ytd only) | -2.9022% | 6,336 |
| Net charge-offs to loans | 0.1336% | 5,229 |
| Credit loss provision to net charge-offs | 757.8947% | 391 |
| Earnings coverage of net charge-offs (x) | 21.7350% | 1,123 |
| Efficiency ratio | 55.7342% | 6,596 |
| Assets per employee ($millions) | 4.6633% | 2,662 |
| Cash dividends to net income (ytd only)* | 129.9813% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 1,928 |
| Loan loss allowance to noncurrent loans | 44.1745% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 3.6356% | 1,959 |
| Noncurrent loans to loans | 4.8201% | 1,461 |
| Net loans and leases to total assets | 60.6568% | 4,789 |
| Net loans and leases to deposits | 70.0459% | 5,138 |
| Net loans and leases to core deposits | 71.1560% | 5,620 |
| Total domestic deposits to total assets | 86.5958% | 2,760 |
| Equity capital to assets | 12.3732% | 1,928 |
| Core capital (leverage) ratio | 11.5949% | 1,879 |
| Tier 1 risk-based capital ratio | 19.1883% | 1,708 |
| Total risk-based capital ratio | 20.4486% | 1,678 |
| Memoranda: | ||
| Average total assets | $59,444,000 | 6,289 |
| Average earning assets | $54,678,500 | 6,256 |
| Average equity | $7,396,500 | 5,987 |
| Average total loans | $37,933,250 | 6,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 1,754 |
| Cost of funding earning assets | 1.5680% | 2,851 |
| Net interest margin | 4.1345% | 2,401 |
| Noninterest income to average assets | 0.3082% | 5,689 |
| Noninterest expense to average assets | 2.1812% | 6,693 |
| Loan and lease loss provision to assets | 0.9483% | 1,548 |
| Net operating income to assets | 0.9619% | 2,324 |
| Return on assets (ROA) | 0.9619% | 2,410 |
| Pretax return on assets | 0.9653% | 3,256 |
| Return on Equity (ROE) | 7.7156% | 3,006 |
| Retained earnings to average equity (ytd only) | -7.0364% | 6,740 |
| Net charge-offs to loans | 0.1577% | 4,681 |
| Credit loss provision to net charge-offs | 933.3333% | 394 |
| Earnings coverage of net charge-offs (x) | 18.8333% | 1,274 |
| Efficiency ratio | 53.2672% | 6,956 |
| Assets per employee ($millions) | 4.9436% | 2,251 |
| Cash dividends to net income (ytd only)* | 191.1972% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,920 |
| Loan loss allowance to noncurrent loans | 34.8584% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 4.5311% | 1,458 |
| Noncurrent loans to loans | 6.0867% | 1,043 |
| Net loans and leases to total assets | 62.2103% | 4,642 |
| Net loans and leases to deposits | 71.7075% | 5,039 |
| Net loans and leases to core deposits | 72.8671% | 5,574 |
| Total domestic deposits to total assets | 86.7556% | 2,671 |
| Equity capital to assets | 12.2044% | 1,974 |
| Core capital (leverage) ratio | 11.7163% | 1,795 |
| Tier 1 risk-based capital ratio | 16.6220% | 2,432 |
| Total risk-based capital ratio | 17.8797% | 2,378 |
| Memoranda: | ||
| Average total assets | $59,051,000 | 6,348 |
| Average earning assets | $54,081,670 | 6,319 |
| Average equity | $7,361,670 | 6,010 |
| Average total loans | $38,053,670 | 6,131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8209% | 1,399 |
| Cost of funding earning assets | 1.5726% | 3,122 |
| Net interest margin | 4.2483% | 1,860 |
| Noninterest income to average assets | 0.4074% | 4,853 |
| Noninterest expense to average assets | 2.2201% | 6,632 |
| Loan and lease loss provision to assets | 0.4549% | 2,692 |
| Net operating income to assets | 1.5955% | 761 |
| Return on assets (ROA) | 1.5955% | 811 |
| Pretax return on assets | 1.6023% | 1,259 |
| Return on Equity (ROE) | 12.6642% | 1,334 |
| Retained earnings to average equity (ytd only) | -8.3530% | 6,856 |
| Net charge-offs to loans | 0.1779% | 3,856 |
| Credit loss provision to net charge-offs | 394.1176% | 1,040 |
| Earnings coverage of net charge-offs (x) | 17.8235% | 1,259 |
| Efficiency ratio | 51.9048% | 7,167 |
| Assets per employee ($millions) | 5.3275% | 1,838 |
| Cash dividends to net income (ytd only)* | 165.9574% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 3,498 |
| Loan loss allowance to noncurrent loans | 32.3974% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 3.3053% | 2,171 |
| Noncurrent loans to loans | 4.9062% | 1,482 |
| Net loans and leases to total assets | 63.3892% | 4,450 |
| Net loans and leases to deposits | 73.2341% | 4,867 |
| Net loans and leases to core deposits | 74.4389% | 5,452 |
| Total domestic deposits to total assets | 86.5570% | 2,868 |
| Equity capital to assets | 12.5693% | 1,710 |
| Core capital (leverage) ratio | 12.0586% | 1,624 |
| Tier 1 risk-based capital ratio | 16.3434% | 2,510 |
| Total risk-based capital ratio | 17.5833% | 2,476 |
| Memoranda: | ||
| Average total assets | $58,915,000 | 6,434 |
| Average earning assets | $53,668,500 | 6,404 |
| Average equity | $7,422,500 | 6,046 |
| Average total loans | $38,228,000 | 6,202 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2185% | 1,193 |
| Cost of funding earning assets | 1.8596% | 3,677 |
| Net interest margin | 4.3589% | 1,548 |
| Noninterest income to average assets | 0.3882% | 5,311 |
| Noninterest expense to average assets | 2.4452% | 6,320 |
| Loan and lease loss provision to assets | 0.0878% | 6,734 |
| Net operating income to assets | 1.8603% | 316 |
| Return on assets (ROA) | 1.8603% | 324 |
| Pretax return on assets | 1.8655% | 553 |
| Return on Equity (ROE) | 14.3855% | 726 |
| Retained earnings to average equity (ytd only) | 6.4388% | 1,171 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5911% | 7,059 |
| Assets per employee ($millions) | 4.9356% | 2,297 |
| Cash dividends to net income (ytd only)* | 55.2408% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 4,117 |
| Loan loss allowance to noncurrent loans | 44.1413% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2490% | 3,070 |
| Noncurrent loans to loans | 3.2190% | 2,371 |
| Net loans and leases to total assets | 64.4267% | 4,507 |
| Net loans and leases to deposits | 75.2030% | 4,853 |
| Net loans and leases to core deposits | 83.0913% | 5,810 |
| Total domestic deposits to total assets | 85.6704% | 3,187 |
| Equity capital to assets | 12.6277% | 1,683 |
| Core capital (leverage) ratio | 12.2811% | 1,539 |
| Tier 1 risk-based capital ratio | 16.9309% | 2,169 |
| Total risk-based capital ratio | 18.1805% | 2,141 |
| Memoranda: | ||
| Average total assets | $56,927,200 | 6,461 |
| Average earning assets | $52,375,600 | 6,442 |
| Average equity | $7,361,600 | 6,147 |
| Average total loans | $37,232,600 | 6,241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2622% | 1,212 |
| Cost of funding earning assets | 1.8922% | 3,918 |
| Net interest margin | 4.3700% | 1,527 |
| Noninterest income to average assets | 0.3809% | 5,468 |
| Noninterest expense to average assets | 2.2832% | 6,745 |
| Loan and lease loss provision to assets | -0.0118% | 8,040 |
| Net operating income to assets | 2.1483% | 209 |
| Return on assets (ROA) | 2.1483% | 227 |
| Pretax return on assets | 2.1531% | 395 |
| Return on Equity (ROE) | 16.5112% | 596 |
| Retained earnings to average equity (ytd only) | 4.1097% | 2,982 |
| Net charge-offs to loans | -0.0181% | 7,752 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6043% | 7,440 |
| Assets per employee ($millions) | 4.7557% | 2,466 |
| Cash dividends to net income (ytd only)* | 75.1099% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,480 |
| Loan loss allowance to noncurrent loans | 41.0509% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 3,085 |
| Noncurrent loans to loans | 3.1770% | 2,380 |
| Net loans and leases to total assets | 66.3034% | 4,356 |
| Net loans and leases to deposits | 78.3931% | 4,683 |
| Net loans and leases to core deposits | 87.0019% | 5,757 |
| Total domestic deposits to total assets | 84.5780% | 3,439 |
| Equity capital to assets | 13.2211% | 1,612 |
| Core capital (leverage) ratio | 12.6333% | 1,528 |
| Tier 1 risk-based capital ratio | 18.7119% | 1,814 |
| Total risk-based capital ratio | 19.9616% | 1,775 |
| Memoranda: | ||
| Average total assets | $56,352,250 | 6,531 |
| Average earning assets | $52,142,250 | 6,491 |
| Average equity | $7,332,250 | 6,211 |
| Average total loans | $36,863,750 | 6,297 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2090% | 1,424 |
| Cost of funding earning assets | 1.9476% | 4,019 |
| Net interest margin | 4.2615% | 1,775 |
| Noninterest income to average assets | 0.3992% | 5,295 |
| Noninterest expense to average assets | 2.2241% | 6,995 |
| Loan and lease loss provision to assets | -0.0178% | 8,147 |
| Net operating income to assets | 2.1350% | 220 |
| Return on assets (ROA) | 2.1350% | 239 |
| Pretax return on assets | 2.1314% | 404 |
| Return on Equity (ROE) | 16.4984% | 646 |
| Retained earnings to average equity (ytd only) | 9.0617% | 918 |
| Net charge-offs to loans | -0.0275% | 7,759 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2736% | 7,569 |
| Assets per employee ($millions) | 4.6624% | 2,512 |
| Cash dividends to net income (ytd only)* | 45.0751% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,005 |
| Loan loss allowance to noncurrent loans | 44.3262% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 3,068 |
| Noncurrent loans to loans | 3.0352% | 2,376 |
| Net loans and leases to total assets | 65.5311% | 4,662 |
| Net loans and leases to deposits | 77.6977% | 4,920 |
| Net loans and leases to core deposits | 85.3167% | 5,983 |
| Total domestic deposits to total assets | 84.3411% | 3,576 |
| Equity capital to assets | 13.4462% | 1,514 |
| Core capital (leverage) ratio | 13.0419% | 1,416 |
| Tier 1 risk-based capital ratio | 16.0372% | 2,616 |
| Total risk-based capital ratio | 17.0471% | 2,634 |
| Memoranda: | ||
| Average total assets | $56,113,670 | 6,588 |
| Average earning assets | $51,860,000 | 6,560 |
| Average equity | $7,261,330 | 6,277 |
| Average total loans | $36,372,330 | 6,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2421% | 1,468 |
| Cost of funding earning assets | 2.0729% | 3,782 |
| Net interest margin | 4.1692% | 2,013 |
| Noninterest income to average assets | 0.4128% | 5,111 |
| Noninterest expense to average assets | 2.2279% | 6,775 |
| Loan and lease loss provision to assets | -0.0569% | 8,194 |
| Net operating income to assets | 2.0357% | 331 |
| Return on assets (ROA) | 2.0357% | 375 |
| Pretax return on assets | 2.0500% | 602 |
| Return on Equity (ROE) | 16.0438% | 819 |
| Retained earnings to average equity (ytd only) | 8.4707% | 1,643 |
| Net charge-offs to loans | -0.0889% | 7,846 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7825% | 7,339 |
| Assets per employee ($millions) | 4.6618% | 2,495 |
| Cash dividends to net income (ytd only)* | 47.2028% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,442 |
| Loan loss allowance to noncurrent loans | 74.4048% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,270 |
| Noncurrent loans to loans | 1.8968% | 3,419 |
| Net loans and leases to total assets | 62.4372% | 5,247 |
| Net loans and leases to deposits | 73.7282% | 5,518 |
| Net loans and leases to core deposits | 81.4970% | 6,265 |
| Total domestic deposits to total assets | 84.6857% | 3,376 |
| Equity capital to assets | 13.0548% | 1,719 |
| Core capital (leverage) ratio | 12.7515% | 1,582 |
| Tier 1 risk-based capital ratio | 19.9659% | 1,630 |
| Total risk-based capital ratio | 21.2183% | 1,583 |
| Memoranda: | ||
| Average total assets | $56,196,000 | 6,626 |
| Average earning assets | $51,328,500 | 6,606 |
| Average equity | $7,130,500 | 6,361 |
| Average total loans | $35,976,500 | 6,442 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6820% | 2,093 |
| Cost of funding earning assets | 2.4666% | 4,382 |
| Net interest margin | 4.2153% | 2,255 |
| Noninterest income to average assets | 0.4305% | 5,210 |
| Noninterest expense to average assets | 2.4019% | 6,384 |
| Loan and lease loss provision to assets | 0.2135% | 4,758 |
| Net operating income to assets | 1.7328% | 632 |
| Return on assets (ROA) | 1.7328% | 605 |
| Pretax return on assets | 1.7328% | 1,078 |
| Return on Equity (ROE) | 13.9789% | 1,111 |
| Retained earnings to average equity (ytd only) | 5.8028% | 1,619 |
| Net charge-offs to loans | 0.2643% | 3,640 |
| Credit loss provision to net charge-offs | 126.5957% | 4,219 |
| Earnings coverage of net charge-offs (x) | 11.5426% | 2,359 |
| Efficiency ratio | 55.2393% | 7,117 |
| Assets per employee ($millions) | 4.7043% | 2,316 |
| Cash dividends to net income (ytd only)* | 58.4886% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 3,366 |
| Loan loss allowance to noncurrent loans | 110.1322% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 4,839 |
| Noncurrent loans to loans | 1.2430% | 4,031 |
| Net loans and leases to total assets | 63.8164% | 5,307 |
| Net loans and leases to deposits | 75.4972% | 5,653 |
| Net loans and leases to core deposits | 83.9372% | 6,297 |
| Total domestic deposits to total assets | 84.5282% | 3,060 |
| Equity capital to assets | 12.3257% | 2,096 |
| Core capital (leverage) ratio | 12.2387% | 1,867 |
| Tier 1 risk-based capital ratio | 19.0584% | 1,801 |
| Total risk-based capital ratio | 20.3097% | 1,757 |
| Memoranda: | ||
| Average total assets | $55,747,200 | 6,540 |
| Average earning assets | $51,811,200 | 6,513 |
| Average equity | $6,910,400 | 6,491 |
| Average total loans | $35,560,200 | 6,387 |