Home > The Potter State Bank of Potter > Performance and Condition Ratios
The Potter State Bank of Potter, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0197% | 31 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,011.0000% | 45 |
| Cost of funding earning assets | 100.0000% | 25 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.9254% | 2,441 |
| Pretax return on assets | 1.1032% | 2,402 |
| Return on Equity (ROE) | 7.9500% | 3,035 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.3802% | 2,697 |
| Efficiency ratio | 8.5422% | 4,551 |
| Assets per employee ($millions) | 0.0433% | 4,568 |
| Cash dividends to net income (ytd only)* | 9.0000% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0000% | 72 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 416.0000% | 46 |
| Total domestic deposits to total assets | 6.0000% | 4,517 |
| Equity capital to assets | 8,631.0000% | 37 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,640,000 | 4,595 |
| Average earning assets | $7,836 | 4,559 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 3,023 |
| Cost of funding earning assets | 1.0873% | 2,781 |
| Net interest margin | 3.3531% | 2,565 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.0448% | 3,484 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.9008% | 2,674 |
| Return on assets (ROA) | 0.9031% | 2,654 |
| Pretax return on assets | 1.0820% | 2,623 |
| Return on Equity (ROE) | 7.8700% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.8680% | 2,011 |
| Net charge-offs to loans | 0.2465% | 361 |
| Credit loss provision to net charge-offs | 270.2703% | 943 |
| Earnings coverage of net charge-offs (x) | 13.4595% | 2,036 |
| Efficiency ratio | 60.2236% | 2,938 |
| Assets per employee ($millions) | 6.1525% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 860 |
| Loan loss allowance to noncurrent loans | 68.2975% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 486 |
| Noncurrent loans to loans | 2.3627% | 214 |
| Net loans and leases to total assets | 43.2300% | 3,944 |
| Net loans and leases to deposits | 55.6256% | 3,730 |
| Net loans and leases to core deposits | 64.2676% | 3,511 |
| Total domestic deposits to total assets | 77.7200% | 3,852 |
| Equity capital to assets | 11.0118% | 1,338 |
| Core capital (leverage) ratio | 15.9565% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $49,165,250 | 4,340 |
| Average earning assets | $45,250,250 | 4,315 |
| Average equity | $5,643,000 | 4,208 |
| Average total loans | $20,014,000 | 4,306 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 3,199 |
| Cost of funding earning assets | 0.8137% | 3,167 |
| Net interest margin | 3.4362% | 2,428 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.0347% | 3,507 |
| Loan and lease loss provision to assets | 0.4100% | 202 |
| Net operating income to assets | 0.8709% | 2,847 |
| Return on assets (ROA) | 0.8709% | 2,843 |
| Pretax return on assets | 1.0377% | 2,808 |
| Return on Equity (ROE) | 7.4900% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.4860% | 2,134 |
| Net charge-offs to loans | 0.4518% | 192 |
| Credit loss provision to net charge-offs | 227.2727% | 992 |
| Earnings coverage of net charge-offs (x) | 8.0682% | 2,063 |
| Efficiency ratio | 58.4795% | 3,137 |
| Assets per employee ($millions) | 6.1575% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 710 |
| Loan loss allowance to noncurrent loans | 73.5484% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 511 |
| Noncurrent loans to loans | 2.3433% | 205 |
| Net loans and leases to total assets | 39.5900% | 4,053 |
| Net loans and leases to deposits | 47.6565% | 3,997 |
| Net loans and leases to core deposits | 54.8394% | 3,857 |
| Total domestic deposits to total assets | 83.0700% | 3,033 |
| Equity capital to assets | 11.7012% | 1,136 |
| Core capital (leverage) ratio | 15.7985% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $49,147,000 | 4,361 |
| Average earning assets | $45,225,000 | 4,335 |
| Average equity | $5,717,333 | 4,229 |
| Average total loans | $19,476,000 | 4,336 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 3,039 |
| Cost of funding earning assets | 0.5915% | 3,404 |
| Net interest margin | 3.6107% | 2,103 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.1185% | 3,336 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 0.9289% | 2,759 |
| Return on assets (ROA) | 0.9289% | 2,718 |
| Pretax return on assets | 1.1245% | 2,643 |
| Return on Equity (ROE) | 8.0100% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.0084% | 2,213 |
| Net charge-offs to loans | -0.0829% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.0357% | 3,191 |
| Assets per employee ($millions) | 6.2265% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 607 |
| Loan loss allowance to noncurrent loans | 63.4328% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 367 |
| Noncurrent loans to loans | 2.9118% | 156 |
| Net loans and leases to total assets | 36.2700% | 4,180 |
| Net loans and leases to deposits | 42.6675% | 4,140 |
| Net loans and leases to core deposits | 47.8103% | 4,055 |
| Total domestic deposits to total assets | 85.0100% | 2,860 |
| Equity capital to assets | 11.7281% | 1,081 |
| Core capital (leverage) ratio | 15.3186% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,090,500 | 4,425 |
| Average earning assets | $45,310,000 | 4,397 |
| Average equity | $5,694,000 | 4,281 |
| Average total loans | $19,292,000 | 4,402 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 2,060 |
| Cost of funding earning assets | 0.5468% | 1,123 |
| Net interest margin | 3.3243% | 2,496 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.3773% | 2,484 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8391% | 3,193 |
| Return on assets (ROA) | 0.8599% | 3,044 |
| Pretax return on assets | 1.0373% | 2,953 |
| Return on Equity (ROE) | 7.1600% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.8077% | 2,319 |
| Net charge-offs to loans | -0.0807% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.0100% | 1,561 |
| Assets per employee ($millions) | 6.0461% | 2,723 |
| Cash dividends to net income (ytd only)* | 4.8544% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,442 |
| Loan loss allowance to noncurrent loans | 386.4865% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 2,469 |
| Noncurrent loans to loans | 0.3668% | 1,826 |
| Net loans and leases to total assets | 41.1200% | 4,023 |
| Net loans and leases to deposits | 49.1026% | 3,930 |
| Net loans and leases to core deposits | 53.8251% | 3,816 |
| Total domestic deposits to total assets | 83.7500% | 3,266 |
| Equity capital to assets | 11.4660% | 1,096 |
| Core capital (leverage) ratio | 15.4951% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $47,910,600 | 4,457 |
| Average earning assets | $43,528,200 | 4,442 |
| Average equity | $5,758,200 | 4,357 |
| Average total loans | $18,582,800 | 4,433 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 2,145 |
| Cost of funding earning assets | 0.4957% | 760 |
| Net interest margin | 3.1711% | 2,708 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3098% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7334% | 3,472 |
| Return on assets (ROA) | 0.7616% | 3,326 |
| Pretax return on assets | 0.9094% | 3,288 |
| Return on Equity (ROE) | 6.2600% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.2636% | 2,645 |
| Net charge-offs to loans | -0.0660% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5044% | 1,443 |
| Assets per employee ($millions) | 6.0163% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,102 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,976 |
| Noncurrent loans to loans | 0.0105% | 3,866 |
| Net loans and leases to total assets | 38.8200% | 4,112 |
| Net loans and leases to deposits | 45.4388% | 4,053 |
| Net loans and leases to core deposits | 49.7140% | 3,969 |
| Total domestic deposits to total assets | 85.4300% | 3,194 |
| Equity capital to assets | 10.4052% | 1,420 |
| Core capital (leverage) ratio | 15.2916% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $47,796,000 | 4,496 |
| Average earning assets | $43,307,000 | 4,483 |
| Average equity | $5,811,250 | 4,386 |
| Average total loans | $18,184,500 | 4,470 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3977% | 2,442 |
| Cost of funding earning assets | 0.3913% | 975 |
| Net interest margin | 3.0064% | 2,856 |
| Noninterest income to average assets | 0.3062% | 3,330 |
| Noninterest expense to average assets | 2.4326% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5271% | 3,826 |
| Return on assets (ROA) | 0.5704% | 3,657 |
| Pretax return on assets | 0.6627% | 3,679 |
| Return on Equity (ROE) | 4.4744% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.4744% | 2,899 |
| Net charge-offs to loans | -0.0446% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8898% | 959 |
| Assets per employee ($millions) | 4.8716% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 1,091 |
| Loan loss allowance to noncurrent loans | 14,750.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,014 |
| Noncurrent loans to loans | 0.0110% | 3,901 |
| Net loans and leases to total assets | 36.5670% | 4,223 |
| Net loans and leases to deposits | 43.3378% | 4,141 |
| Net loans and leases to core deposits | 47.4004% | 4,059 |
| Total domestic deposits to total assets | 84.3768% | 3,610 |
| Equity capital to assets | 11.4028% | 1,063 |
| Core capital (leverage) ratio | 14.6434% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,684,667 | 4,542 |
| Average earning assets | $43,441,000 | 4,541 |
| Average equity | $6,079,000 | 4,403 |
| Average total loans | $17,918,000 | 4,535 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 2,328 |
| Cost of funding earning assets | 0.4100% | 819 |
| Net interest margin | 2.9075% | 2,815 |
| Noninterest income to average assets | 0.3138% | 3,219 |
| Noninterest expense to average assets | 2.5016% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4013% | 3,948 |
| Return on assets (ROA) | 0.4834% | 3,717 |
| Pretax return on assets | 0.5512% | 3,749 |
| Return on Equity (ROE) | 3.5956% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.5956% | 3,074 |
| Net charge-offs to loans | -0.0673% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5272% | 811 |
| Assets per employee ($millions) | 4.8647% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 1,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.9056% | 4,214 |
| Net loans and leases to deposits | 42.6607% | 4,134 |
| Net loans and leases to core deposits | 46.6770% | 4,042 |
| Total domestic deposits to total assets | 84.1655% | 3,734 |
| Equity capital to assets | 12.2104% | 884 |
| Core capital (leverage) ratio | 14.5402% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,169,000 | 4,573 |
| Average earning assets | $42,923,500 | 4,567 |
| Average equity | $6,341,000 | 4,428 |
| Average total loans | $17,822,500 | 4,554 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 859 |
| Cost of funding earning assets | 0.4373% | 1,273 |
| Net interest margin | 3.8599% | 903 |
| Noninterest income to average assets | 0.3131% | 3,530 |
| Noninterest expense to average assets | 2.6835% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8856% | 3,098 |
| Return on assets (ROA) | 0.8856% | 3,157 |
| Pretax return on assets | 1.0645% | 3,090 |
| Return on Equity (ROE) | 6.0009% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.6978% | 2,477 |
| Net charge-offs to loans | -0.0753% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5990% | 1,556 |
| Assets per employee ($millions) | 4.5691% | 4,062 |
| Cash dividends to net income (ytd only)* | 5.0505% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 38.5043% | 4,157 |
| Net loans and leases to deposits | 45.8581% | 4,100 |
| Net loans and leases to core deposits | 50.4488% | 3,994 |
| Total domestic deposits to total assets | 83.9640% | 3,572 |
| Equity capital to assets | 14.7556% | 530 |
| Core capital (leverage) ratio | 14.8985% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,717,600 | 4,614 |
| Average earning assets | $39,794,000 | 4,620 |
| Average equity | $6,599,000 | 4,469 |
| Average total loans | $18,585,400 | 4,591 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 1,881 |
| Cost of funding earning assets | 0.4530% | 1,335 |
| Net interest margin | 3.4108% | 2,126 |
| Noninterest income to average assets | 0.3058% | 3,603 |
| Noninterest expense to average assets | 2.5153% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6925% | 3,782 |
| Return on assets (ROA) | 0.6925% | 3,850 |
| Pretax return on assets | 0.8154% | 3,862 |
| Return on Equity (ROE) | 4.6927% | 4,187 |
| Retained earnings to average equity (ytd only) | 4.6927% | 3,336 |
| Net charge-offs to loans | -0.0426% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5176% | 1,074 |
| Assets per employee ($millions) | 4.5554% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 1,650 |
| Loan loss allowance to noncurrent loans | 33.3726% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.8615% | 219 |
| Noncurrent loans to loans | 4.4827% | 94 |
| Net loans and leases to total assets | 40.9053% | 4,156 |
| Net loans and leases to deposits | 48.1349% | 4,111 |
| Net loans and leases to core deposits | 52.8729% | 3,990 |
| Total domestic deposits to total assets | 84.9805% | 3,118 |
| Equity capital to assets | 14.6090% | 613 |
| Core capital (leverage) ratio | 14.9397% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,474,250 | 4,685 |
| Average earning assets | $39,442,750 | 4,689 |
| Average equity | $6,563,250 | 4,537 |
| Average total loans | $18,760,750 | 4,654 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 2,109 |
| Cost of funding earning assets | 0.4560% | 1,476 |
| Net interest margin | 3.3301% | 2,351 |
| Noninterest income to average assets | 0.3038% | 3,615 |
| Noninterest expense to average assets | 2.5525% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6030% | 3,980 |
| Return on assets (ROA) | 0.6030% | 4,033 |
| Pretax return on assets | 0.6982% | 4,070 |
| Return on Equity (ROE) | 4.0718% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.0718% | 3,497 |
| Net charge-offs to loans | -0.0321% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5216% | 886 |
| Assets per employee ($millions) | 4.8959% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,879 |
| Loan loss allowance to noncurrent loans | 65.7277% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 790 |
| Noncurrent loans to loans | 2.1625% | 418 |
| Net loans and leases to total assets | 44.0710% | 4,040 |
| Net loans and leases to deposits | 52.0184% | 3,994 |
| Net loans and leases to core deposits | 57.3339% | 3,806 |
| Total domestic deposits to total assets | 84.7219% | 3,210 |
| Equity capital to assets | 14.9241% | 539 |
| Core capital (leverage) ratio | 14.5826% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,114,333 | 4,719 |
| Average earning assets | $39,038,000 | 4,721 |
| Average equity | $6,532,667 | 4,567 |
| Average total loans | $18,708,667 | 4,691 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 2,183 |
| Cost of funding earning assets | 0.4752% | 1,559 |
| Net interest margin | 3.2952% | 2,409 |
| Noninterest income to average assets | 0.3081% | 3,566 |
| Noninterest expense to average assets | 2.6280% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4984% | 4,178 |
| Return on assets (ROA) | 0.4984% | 4,218 |
| Pretax return on assets | 0.5709% | 4,238 |
| Return on Equity (ROE) | 3.3789% | 4,400 |
| Retained earnings to average equity (ytd only) | 3.3789% | 3,668 |
| Net charge-offs to loans | -0.0220% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1530% | 697 |
| Assets per employee ($millions) | 4.9696% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,554 |
| Loan loss allowance to noncurrent loans | 111.6466% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 1,699 |
| Noncurrent loans to loans | 1.3567% | 946 |
| Net loans and leases to total assets | 40.4150% | 4,320 |
| Net loans and leases to deposits | 47.5047% | 4,281 |
| Net loans and leases to core deposits | 52.2337% | 4,181 |
| Total domestic deposits to total assets | 85.0758% | 3,065 |
| Equity capital to assets | 14.4748% | 579 |
| Core capital (leverage) ratio | 14.6704% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,140,000 | 4,738 |
| Average earning assets | $38,723,500 | 4,745 |
| Average equity | $6,511,000 | 4,586 |
| Average total loans | $18,213,500 | 4,726 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,286 |
| Cost of funding earning assets | 0.5620% | 2,550 |
| Net interest margin | 3.9478% | 1,094 |
| Noninterest income to average assets | 0.3135% | 3,590 |
| Noninterest expense to average assets | 2.7417% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8994% | 2,700 |
| Return on assets (ROA) | 0.8994% | 2,831 |
| Pretax return on assets | 1.0610% | 2,837 |
| Return on Equity (ROE) | 5.9267% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.9267% | 1,828 |
| Net charge-offs to loans | -0.1395% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0989% | 1,669 |
| Assets per employee ($millions) | 4.8393% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 40.8596% | 4,405 |
| Net loans and leases to deposits | 49.7317% | 4,328 |
| Net loans and leases to core deposits | 55.0040% | 4,206 |
| Total domestic deposits to total assets | 82.1601% | 3,629 |
| Equity capital to assets | 15.0342% | 567 |
| Core capital (leverage) ratio | 14.9511% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,470,000 | 4,752 |
| Average earning assets | $36,653,600 | 4,759 |
| Average equity | $6,293,600 | 4,608 |
| Average total loans | $18,639,800 | 4,739 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 1,668 |
| Cost of funding earning assets | 0.5903% | 2,676 |
| Net interest margin | 3.8718% | 1,426 |
| Noninterest income to average assets | 0.2996% | 3,692 |
| Noninterest expense to average assets | 2.8457% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7586% | 3,252 |
| Return on assets (ROA) | 0.7586% | 3,365 |
| Pretax return on assets | 0.8921% | 3,397 |
| Return on Equity (ROE) | 4.9865% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.9865% | 2,564 |
| Net charge-offs to loans | -0.1278% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1324% | 1,196 |
| Assets per employee ($millions) | 4.6580% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 1,891 |
| Loan loss allowance to noncurrent loans | 340.5063% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 3,489 |
| Noncurrent loans to loans | 0.4012% | 2,856 |
| Net loans and leases to total assets | 46.3289% | 4,296 |
| Net loans and leases to deposits | 55.7943% | 4,271 |
| Net loans and leases to core deposits | 60.6919% | 4,167 |
| Total domestic deposits to total assets | 83.0352% | 3,140 |
| Equity capital to assets | 15.2808% | 572 |
| Core capital (leverage) ratio | 15.4030% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,949,000 | 4,784 |
| Average earning assets | $36,365,000 | 4,788 |
| Average equity | $6,230,000 | 4,637 |
| Average total loans | $18,781,500 | 4,771 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 1,848 |
| Cost of funding earning assets | 0.6227% | 2,848 |
| Net interest margin | 3.9018% | 1,565 |
| Noninterest income to average assets | 0.2954% | 3,702 |
| Noninterest expense to average assets | 2.8160% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8172% | 2,981 |
| Return on assets (ROA) | 0.8172% | 3,100 |
| Pretax return on assets | 0.9649% | 3,128 |
| Return on Equity (ROE) | 5.3797% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.3797% | 2,318 |
| Net charge-offs to loans | -0.1840% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4792% | 1,420 |
| Assets per employee ($millions) | 4.5216% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,556 |
| Loan loss allowance to noncurrent loans | 58.6433% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 1,012 |
| Noncurrent loans to loans | 2.3991% | 504 |
| Net loans and leases to total assets | 46.1518% | 4,357 |
| Net loans and leases to deposits | 55.1328% | 4,328 |
| Net loans and leases to core deposits | 60.0608% | 4,257 |
| Total domestic deposits to total assets | 83.7101% | 2,847 |
| Equity capital to assets | 15.5846% | 526 |
| Core capital (leverage) ratio | 15.3462% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,624,667 | 4,810 |
| Average earning assets | $36,291,000 | 4,813 |
| Average equity | $6,171,333 | 4,667 |
| Average total loans | $18,478,333 | 4,803 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,743 |
| Cost of funding earning assets | 0.6809% | 3,013 |
| Net interest margin | 4.0086% | 1,371 |
| Noninterest income to average assets | 0.3252% | 3,575 |
| Noninterest expense to average assets | 3.0254% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7588% | 3,061 |
| Return on assets (ROA) | 0.7588% | 3,137 |
| Pretax return on assets | 0.8968% | 3,146 |
| Return on Equity (ROE) | 5.0608% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.0608% | 2,246 |
| Net charge-offs to loans | -0.0220% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1357% | 1,444 |
| Assets per employee ($millions) | 4.9139% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,487 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 1,985 |
| Noncurrent loans to loans | 1.5298% | 1,039 |
| Net loans and leases to total assets | 43.2576% | 4,536 |
| Net loans and leases to deposits | 51.5007% | 4,539 |
| Net loans and leases to core deposits | 56.2297% | 4,485 |
| Total domestic deposits to total assets | 83.9943% | 2,791 |
| Equity capital to assets | 15.4791% | 679 |
| Core capital (leverage) ratio | 15.0011% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,590,000 | 4,842 |
| Average earning assets | $36,422,000 | 4,844 |
| Average equity | $6,086,000 | 4,713 |
| Average total loans | $18,193,000 | 4,844 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 2,381 |
| Cost of funding earning assets | 0.5971% | 3,651 |
| Net interest margin | 4.0837% | 1,584 |
| Noninterest income to average assets | 0.3242% | 3,750 |
| Noninterest expense to average assets | 2.9131% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0014% | 2,846 |
| Return on assets (ROA) | 0.9972% | 2,941 |
| Pretax return on assets | 1.1692% | 2,952 |
| Return on Equity (ROE) | 6.9580% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.7009% | 1,524 |
| Net charge-offs to loans | -0.0642% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2740% | 1,979 |
| Assets per employee ($millions) | 5.2336% | 2,308 |
| Cash dividends to net income (ytd only)* | 3.6946% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 1,862 |
| Loan loss allowance to noncurrent loans | 278.8889% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,602 |
| Noncurrent loans to loans | 0.4705% | 2,774 |
| Net loans and leases to total assets | 45.0883% | 4,557 |
| Net loans and leases to deposits | 53.7345% | 4,543 |
| Net loans and leases to core deposits | 58.3302% | 4,506 |
| Total domestic deposits to total assets | 83.9093% | 2,872 |
| Equity capital to assets | 14.5382% | 916 |
| Core capital (leverage) ratio | 14.5391% | 793 |
| Tier 1 risk-based capital ratio | 22.4396% | 972 |
| Total risk-based capital ratio | 23.3730% | 985 |
| Memoranda: | ||
| Average total assets | $40,712,600 | 4,878 |
| Average earning assets | $37,515,400 | 4,868 |
| Average equity | $5,835,000 | 4,777 |
| Average total loans | $18,680,400 | 4,892 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 2,464 |
| Cost of funding earning assets | 0.5965% | 3,720 |
| Net interest margin | 4.0898% | 1,645 |
| Noninterest income to average assets | 0.2771% | 4,095 |
| Noninterest expense to average assets | 2.8399% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0192% | 2,914 |
| Return on assets (ROA) | 1.0192% | 2,986 |
| Pretax return on assets | 1.2138% | 2,940 |
| Return on Equity (ROE) | 7.1377% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.1377% | 1,792 |
| Net charge-offs to loans | -0.0359% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0570% | 2,109 |
| Assets per employee ($millions) | 5.2323% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,321 |
| Loan loss allowance to noncurrent loans | 271.1111% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,714 |
| Noncurrent loans to loans | 0.4548% | 2,941 |
| Net loans and leases to total assets | 46.6888% | 4,566 |
| Net loans and leases to deposits | 55.4490% | 4,573 |
| Net loans and leases to core deposits | 60.1453% | 4,530 |
| Total domestic deposits to total assets | 84.2013% | 2,752 |
| Equity capital to assets | 14.3413% | 1,026 |
| Core capital (leverage) ratio | 14.5932% | 837 |
| Tier 1 risk-based capital ratio | 21.7512% | 1,103 |
| Total risk-based capital ratio | 22.6429% | 1,118 |
| Memoranda: | ||
| Average total assets | $40,423,500 | 4,956 |
| Average earning assets | $37,328,000 | 4,947 |
| Average equity | $5,772,000 | 4,846 |
| Average total loans | $18,568,250 | 4,970 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 3,008 |
| Cost of funding earning assets | 0.5432% | 3,917 |
| Net interest margin | 3.9599% | 2,059 |
| Noninterest income to average assets | 0.2754% | 4,095 |
| Noninterest expense to average assets | 2.8839% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8796% | 3,362 |
| Return on assets (ROA) | 0.8712% | 3,461 |
| Pretax return on assets | 1.0314% | 3,445 |
| Return on Equity (ROE) | 6.1106% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.1106% | 2,231 |
| Net charge-offs to loans | -0.0220% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 1,705 |
| Assets per employee ($millions) | 4.5383% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,071 |
| Loan loss allowance to noncurrent loans | 71.7262% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 1,710 |
| Noncurrent loans to loans | 1.7954% | 839 |
| Net loans and leases to total assets | 45.2271% | 4,675 |
| Net loans and leases to deposits | 54.7364% | 4,650 |
| Net loans and leases to core deposits | 57.7209% | 4,657 |
| Total domestic deposits to total assets | 82.6270% | 3,323 |
| Equity capital to assets | 14.3396% | 1,002 |
| Core capital (leverage) ratio | 14.5892% | 802 |
| Tier 1 risk-based capital ratio | 21.5261% | 1,116 |
| Total risk-based capital ratio | 22.4179% | 1,141 |
| Memoranda: | ||
| Average total assets | $39,945,330 | 5,006 |
| Average earning assets | $36,818,670 | 4,994 |
| Average equity | $5,695,000 | 4,887 |
| Average total loans | $18,162,000 | 5,019 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 2,873 |
| Cost of funding earning assets | 0.5389% | 3,873 |
| Net interest margin | 3.9594% | 1,990 |
| Noninterest income to average assets | 0.2937% | 3,915 |
| Noninterest expense to average assets | 2.9269% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8578% | 3,414 |
| Return on assets (ROA) | 0.8406% | 3,521 |
| Pretax return on assets | 0.9925% | 3,462 |
| Return on Equity (ROE) | 5.9138% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.9138% | 2,489 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2931% | 1,718 |
| Assets per employee ($millions) | 4.3986% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,737 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,739 |
| Noncurrent loans to loans | 0.0519% | 4,531 |
| Net loans and leases to total assets | 43.1632% | 4,778 |
| Net loans and leases to deposits | 50.7771% | 4,796 |
| Net loans and leases to core deposits | 53.5659% | 4,799 |
| Total domestic deposits to total assets | 85.0052% | 2,678 |
| Equity capital to assets | 14.4037% | 908 |
| Core capital (leverage) ratio | 14.4472% | 828 |
| Tier 1 risk-based capital ratio | 22.7078% | 971 |
| Total risk-based capital ratio | 23.6596% | 979 |
| Memoranda: | ||
| Average total assets | $39,495,500 | 5,067 |
| Average earning assets | $36,369,000 | 5,049 |
| Average equity | $5,614,000 | 4,943 |
| Average total loans | $17,886,000 | 5,083 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 2,628 |
| Cost of funding earning assets | 0.4635% | 3,591 |
| Net interest margin | 3.9784% | 2,063 |
| Noninterest income to average assets | 0.4051% | 3,411 |
| Noninterest expense to average assets | 2.8895% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9845% | 3,081 |
| Return on assets (ROA) | 0.9845% | 3,080 |
| Pretax return on assets | 1.1691% | 3,021 |
| Return on Equity (ROE) | 7.2013% | 3,763 |
| Retained earnings to average equity (ytd only) | 7.2013% | 1,577 |
| Net charge-offs to loans | -0.0660% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1939% | 2,018 |
| Assets per employee ($millions) | 4.3782% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 46.2034% | 4,729 |
| Net loans and leases to deposits | 54.7220% | 4,717 |
| Net loans and leases to core deposits | 57.7492% | 4,713 |
| Total domestic deposits to total assets | 84.4331% | 2,859 |
| Equity capital to assets | 14.0240% | 966 |
| Core capital (leverage) ratio | 14.3694% | 828 |
| Tier 1 risk-based capital ratio | 21.5168% | 1,090 |
| Total risk-based capital ratio | 22.4281% | 1,118 |
| Memoranda: | ||
| Average total assets | $39,003,000 | 5,114 |
| Average earning assets | $35,818,200 | 5,100 |
| Average equity | $5,332,400 | 4,998 |
| Average total loans | $18,192,000 | 5,117 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,689 |
| Cost of funding earning assets | 0.4693% | 3,400 |
| Net interest margin | 3.9110% | 2,257 |
| Noninterest income to average assets | 0.3907% | 3,539 |
| Noninterest expense to average assets | 2.7932% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0076% | 3,051 |
| Return on assets (ROA) | 1.0076% | 3,065 |
| Pretax return on assets | 1.1961% | 2,999 |
| Return on Equity (ROE) | 7.4184% | 3,777 |
| Retained earnings to average equity (ytd only) | 7.4184% | 1,919 |
| Net charge-offs to loans | -0.0294% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0172% | 2,183 |
| Assets per employee ($millions) | 4.2991% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,538 |
| Loan loss allowance to noncurrent loans | 173.6842% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 3,297 |
| Noncurrent loans to loans | 0.7001% | 2,325 |
| Net loans and leases to total assets | 48.5036% | 4,692 |
| Net loans and leases to deposits | 57.7891% | 4,656 |
| Net loans and leases to core deposits | 61.0468% | 4,662 |
| Total domestic deposits to total assets | 83.9321% | 2,969 |
| Equity capital to assets | 13.9099% | 988 |
| Core capital (leverage) ratio | 14.3229% | 860 |
| Tier 1 risk-based capital ratio | 20.7441% | 1,221 |
| Total risk-based capital ratio | 21.6071% | 1,250 |
| Memoranda: | ||
| Average total assets | $38,902,750 | 5,176 |
| Average earning assets | $35,795,500 | 5,164 |
| Average equity | $5,284,000 | 5,064 |
| Average total loans | $18,128,750 | 5,178 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,791 |
| Cost of funding earning assets | 0.4358% | 3,454 |
| Net interest margin | 3.8554% | 2,363 |
| Noninterest income to average assets | 0.4259% | 3,319 |
| Noninterest expense to average assets | 2.7558% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0212% | 2,923 |
| Return on assets (ROA) | 1.0212% | 2,931 |
| Pretax return on assets | 1.2111% | 2,906 |
| Return on Equity (ROE) | 7.5790% | 3,689 |
| Retained earnings to average equity (ytd only) | 7.5790% | 1,806 |
| Net charge-offs to loans | -0.0336% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4696% | 2,401 |
| Assets per employee ($millions) | 4.2834% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,571 |
| Loan loss allowance to noncurrent loans | 1,642.8571% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,845 |
| Noncurrent loans to loans | 0.0746% | 4,587 |
| Net loans and leases to total assets | 48.0688% | 4,716 |
| Net loans and leases to deposits | 56.4419% | 4,726 |
| Net loans and leases to core deposits | 60.1246% | 4,698 |
| Total domestic deposits to total assets | 85.1651% | 2,610 |
| Equity capital to assets | 13.8051% | 986 |
| Core capital (leverage) ratio | 13.8258% | 953 |
| Tier 1 risk-based capital ratio | 20.8671% | 1,203 |
| Total risk-based capital ratio | 21.7464% | 1,224 |
| Memoranda: | ||
| Average total assets | $38,973,000 | 5,236 |
| Average earning assets | $35,794,000 | 5,222 |
| Average equity | $5,251,330 | 5,121 |
| Average total loans | $17,839,000 | 5,244 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 2,889 |
| Cost of funding earning assets | 0.3704% | 3,828 |
| Net interest margin | 3.8277% | 2,309 |
| Noninterest income to average assets | 0.3777% | 3,606 |
| Noninterest expense to average assets | 2.7358% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9494% | 3,077 |
| Return on assets (ROA) | 0.9494% | 3,097 |
| Pretax return on assets | 1.1229% | 3,081 |
| Return on Equity (ROE) | 7.1319% | 3,735 |
| Retained earnings to average equity (ytd only) | 7.1319% | 2,222 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8995% | 2,362 |
| Assets per employee ($millions) | 4.3534% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 1,922 |
| Loan loss allowance to noncurrent loans | 584.6154% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 4,590 |
| Noncurrent loans to loans | 0.2358% | 3,929 |
| Net loans and leases to total assets | 41.6375% | 4,995 |
| Net loans and leases to deposits | 48.3092% | 5,032 |
| Net loans and leases to core deposits | 50.9558% | 5,014 |
| Total domestic deposits to total assets | 86.1897% | 2,457 |
| Equity capital to assets | 13.3126% | 1,109 |
| Core capital (leverage) ratio | 13.6071% | 976 |
| Tier 1 risk-based capital ratio | 21.0777% | 1,193 |
| Total risk-based capital ratio | 21.9758% | 1,219 |
| Memoranda: | ||
| Average total assets | $39,184,000 | 5,289 |
| Average earning assets | $35,635,000 | 5,279 |
| Average equity | $5,216,000 | 5,186 |
| Average total loans | $17,378,000 | 5,317 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 2,092 |
| Cost of funding earning assets | 0.3728% | 3,488 |
| Net interest margin | 4.0040% | 1,742 |
| Noninterest income to average assets | 0.3348% | 4,071 |
| Noninterest expense to average assets | 2.9977% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9711% | 2,361 |
| Return on assets (ROA) | 0.9941% | 2,307 |
| Pretax return on assets | 0.9558% | 3,712 |
| Return on Equity (ROE) | 7.7394% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.7394% | 848 |
| Net charge-offs to loans | -0.0553% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2679% | 1,579 |
| Assets per employee ($millions) | 4.3541% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,496 |
| Loan loss allowance to noncurrent loans | 515.9091% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 4,573 |
| Noncurrent loans to loans | 0.2416% | 3,936 |
| Net loans and leases to total assets | 45.9004% | 4,895 |
| Net loans and leases to deposits | 54.1810% | 4,882 |
| Net loans and leases to core deposits | 56.2533% | 4,929 |
| Total domestic deposits to total assets | 84.7169% | 2,940 |
| Equity capital to assets | 13.3105% | 1,126 |
| Core capital (leverage) ratio | 13.5301% | 952 |
| Tier 1 risk-based capital ratio | 20.2839% | 1,268 |
| Total risk-based capital ratio | 21.1594% | 1,306 |
| Memoranda: | ||
| Average total assets | $39,130,400 | 5,340 |
| Average earning assets | $35,139,800 | 5,346 |
| Average equity | $5,026,200 | 5,271 |
| Average total loans | $18,092,600 | 5,358 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 2,071 |
| Cost of funding earning assets | 0.3733% | 3,434 |
| Net interest margin | 3.9887% | 1,739 |
| Noninterest income to average assets | 0.3272% | 4,194 |
| Noninterest expense to average assets | 2.7984% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8456% | 3,289 |
| Return on assets (ROA) | 0.8692% | 3,226 |
| Pretax return on assets | 1.1282% | 3,191 |
| Return on Equity (ROE) | 6.8288% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.8288% | 1,783 |
| Net charge-offs to loans | -0.0295% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8285% | 2,226 |
| Assets per employee ($millions) | 4.5226% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,449 |
| Loan loss allowance to noncurrent loans | 131.5476% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 3,373 |
| Noncurrent loans to loans | 0.8411% | 2,255 |
| Net loans and leases to total assets | 48.5320% | 4,798 |
| Net loans and leases to deposits | 60.3212% | 4,626 |
| Net loans and leases to core deposits | 62.6534% | 4,669 |
| Total domestic deposits to total assets | 80.4560% | 4,220 |
| Equity capital to assets | 12.6231% | 1,589 |
| Core capital (leverage) ratio | 13.4755% | 1,030 |
| Tier 1 risk-based capital ratio | 18.4605% | 1,741 |
| Total risk-based capital ratio | 19.2565% | 1,804 |
| Memoranda: | ||
| Average total assets | $39,116,250 | 5,396 |
| Average earning assets | $34,998,000 | 5,410 |
| Average equity | $4,978,750 | 5,332 |
| Average total loans | $18,062,250 | 5,415 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,116 |
| Cost of funding earning assets | 0.3402% | 3,686 |
| Net interest margin | 3.9615% | 1,734 |
| Noninterest income to average assets | 0.3473% | 4,067 |
| Noninterest expense to average assets | 2.8714% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8178% | 3,314 |
| Return on assets (ROA) | 0.8137% | 3,392 |
| Pretax return on assets | 1.0314% | 3,442 |
| Return on Equity (ROE) | 6.3748% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.3748% | 1,917 |
| Net charge-offs to loans | -0.0115% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4748% | 2,100 |
| Assets per employee ($millions) | 4.3282% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 3,052 |
| Loan loss allowance to noncurrent loans | 231.9149% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 4,176 |
| Noncurrent loans to loans | 0.5150% | 3,208 |
| Net loans and leases to total assets | 46.2931% | 4,938 |
| Net loans and leases to deposits | 54.0833% | 4,959 |
| Net loans and leases to core deposits | 56.1286% | 4,985 |
| Total domestic deposits to total assets | 85.5958% | 2,575 |
| Equity capital to assets | 12.9691% | 1,390 |
| Core capital (leverage) ratio | 13.2751% | 1,064 |
| Tier 1 risk-based capital ratio | 19.5064% | 1,475 |
| Total risk-based capital ratio | 20.3523% | 1,521 |
| Memoranda: | ||
| Average total assets | $38,587,330 | 5,451 |
| Average earning assets | $34,683,670 | 5,459 |
| Average equity | $4,925,670 | 5,378 |
| Average total loans | $17,424,670 | 5,477 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 1,859 |
| Cost of funding earning assets | 0.3390% | 3,646 |
| Net interest margin | 3.9982% | 1,480 |
| Noninterest income to average assets | 0.3750% | 3,839 |
| Noninterest expense to average assets | 2.8330% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8622% | 2,933 |
| Return on assets (ROA) | 0.8541% | 3,014 |
| Pretax return on assets | 1.0936% | 3,016 |
| Return on Equity (ROE) | 6.7455% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.7455% | 1,956 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9577% | 2,585 |
| Assets per employee ($millions) | 4.2713% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 2,346 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,752 |
| Noncurrent loans to loans | 0.3020% | 4,033 |
| Net loans and leases to total assets | 41.6472% | 5,180 |
| Net loans and leases to deposits | 48.2026% | 5,211 |
| Net loans and leases to core deposits | 50.0266% | 5,222 |
| Total domestic deposits to total assets | 86.4003% | 2,494 |
| Equity capital to assets | 12.8037% | 1,349 |
| Core capital (leverage) ratio | 13.0052% | 1,140 |
| Tier 1 risk-based capital ratio | 20.1908% | 1,354 |
| Total risk-based capital ratio | 21.0756% | 1,395 |
| Memoranda: | ||
| Average total assets | $38,404,000 | 5,516 |
| Average earning assets | $34,215,000 | 5,533 |
| Average equity | $4,862,500 | 5,446 |
| Average total loans | $17,011,500 | 5,548 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 1,666 |
| Cost of funding earning assets | 0.4354% | 2,655 |
| Net interest margin | 4.0209% | 1,574 |
| Noninterest income to average assets | 0.3071% | 4,543 |
| Noninterest expense to average assets | 2.7971% | 3,031 |
| Loan and lease loss provision to assets | 0.3613% | 462 |
| Net operating income to assets | 0.5470% | 4,443 |
| Return on assets (ROA) | 0.5470% | 4,545 |
| Pretax return on assets | 0.6038% | 4,779 |
| Return on Equity (ROE) | 4.4370% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.4370% | 2,757 |
| Net charge-offs to loans | 0.7334% | 288 |
| Credit loss provision to net charge-offs | 104.4776% | 2,481 |
| Earnings coverage of net charge-offs (x) | 2.7910% | 3,771 |
| Efficiency ratio | 74.3484% | 2,248 |
| Assets per employee ($millions) | 4.2629% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 3,004 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,322 |
| Noncurrent loans to loans | 0.0393% | 5,100 |
| Net loans and leases to total assets | 45.8192% | 5,025 |
| Net loans and leases to deposits | 53.0399% | 5,060 |
| Net loans and leases to core deposits | 55.0772% | 5,097 |
| Total domestic deposits to total assets | 86.3864% | 2,419 |
| Equity capital to assets | 12.5189% | 1,516 |
| Core capital (leverage) ratio | 12.6589% | 1,268 |
| Tier 1 risk-based capital ratio | 18.6333% | 1,694 |
| Total risk-based capital ratio | 19.4636% | 1,755 |
| Memoranda: | ||
| Average total assets | $38,754,000 | 5,566 |
| Average earning assets | $33,301,200 | 5,602 |
| Average equity | $4,778,000 | 5,509 |
| Average total loans | $18,271,400 | 5,568 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,571 |
| Cost of funding earning assets | 0.4647% | 2,428 |
| Net interest margin | 4.0259% | 1,586 |
| Noninterest income to average assets | 0.2780% | 4,780 |
| Noninterest expense to average assets | 2.7420% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7756% | 3,480 |
| Return on assets (ROA) | 0.7756% | 3,625 |
| Pretax return on assets | 0.9849% | 3,686 |
| Return on Equity (ROE) | 6.3149% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.3149% | 2,003 |
| Net charge-offs to loans | -0.0218% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5727% | 2,365 |
| Assets per employee ($millions) | 4.2908% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 48.0410% | 4,956 |
| Net loans and leases to deposits | 57.3619% | 4,912 |
| Net loans and leases to core deposits | 59.6163% | 4,953 |
| Total domestic deposits to total assets | 83.7507% | 3,298 |
| Equity capital to assets | 12.6939% | 1,649 |
| Core capital (leverage) ratio | 12.7075% | 1,306 |
| Tier 1 risk-based capital ratio | 17.9598% | 1,934 |
| Total risk-based capital ratio | 18.7468% | 2,043 |
| Memoranda: | ||
| Average total assets | $38,851,000 | 5,616 |
| Average earning assets | $33,283,500 | 5,661 |
| Average equity | $4,771,750 | 5,564 |
| Average total loans | $18,390,250 | 5,620 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 1,922 |
| Cost of funding earning assets | 0.4913% | 2,176 |
| Net interest margin | 3.8762% | 2,057 |
| Noninterest income to average assets | 0.2672% | 4,875 |
| Noninterest expense to average assets | 2.7743% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6525% | 4,033 |
| Return on assets (ROA) | 0.6525% | 4,181 |
| Pretax return on assets | 0.7758% | 4,369 |
| Return on Equity (ROE) | 5.3719% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.3719% | 2,501 |
| Net charge-offs to loans | -0.0328% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1476% | 1,761 |
| Assets per employee ($millions) | 4.3779% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,717 |
| Loan loss allowance to noncurrent loans | 187.7193% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 4,337 |
| Noncurrent loans to loans | 0.6074% | 3,245 |
| Net loans and leases to total assets | 47.0876% | 5,061 |
| Net loans and leases to deposits | 55.5496% | 5,046 |
| Net loans and leases to core deposits | 57.6556% | 5,084 |
| Total domestic deposits to total assets | 84.7669% | 2,978 |
| Equity capital to assets | 12.1824% | 1,985 |
| Core capital (leverage) ratio | 12.4723% | 1,368 |
| Tier 1 risk-based capital ratio | 17.4905% | 2,064 |
| Total risk-based capital ratio | 18.2729% | 2,170 |
| Memoranda: | ||
| Average total assets | $38,929,000 | 5,676 |
| Average earning assets | $32,970,670 | 5,734 |
| Average equity | $4,728,330 | 5,632 |
| Average total loans | $18,265,000 | 5,694 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 1,700 |
| Cost of funding earning assets | 0.5482% | 1,730 |
| Net interest margin | 3.8863% | 1,976 |
| Noninterest income to average assets | 0.2688% | 4,811 |
| Noninterest expense to average assets | 2.7912% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6306% | 4,057 |
| Return on assets (ROA) | 0.6306% | 4,172 |
| Pretax return on assets | 0.7753% | 4,283 |
| Return on Equity (ROE) | 5.1998% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.1998% | 2,820 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 1,857 |
| Assets per employee ($millions) | 4.4077% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 3,310 |
| Loan loss allowance to noncurrent loans | 267.0886% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,764 |
| Noncurrent loans to loans | 0.4602% | 3,795 |
| Net loans and leases to total assets | 42.7387% | 5,311 |
| Net loans and leases to deposits | 49.6050% | 5,364 |
| Net loans and leases to core deposits | 51.4615% | 5,384 |
| Total domestic deposits to total assets | 86.1580% | 2,605 |
| Equity capital to assets | 11.9136% | 2,082 |
| Core capital (leverage) ratio | 12.3009% | 1,433 |
| Tier 1 risk-based capital ratio | 17.8574% | 2,024 |
| Total risk-based capital ratio | 18.6559% | 2,123 |
| Memoranda: | ||
| Average total assets | $38,693,000 | 5,736 |
| Average earning assets | $32,833,000 | 5,794 |
| Average equity | $4,692,500 | 5,682 |
| Average total loans | $18,014,000 | 5,750 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 1,958 |
| Cost of funding earning assets | 0.4031% | 3,121 |
| Net interest margin | 3.9796% | 1,785 |
| Noninterest income to average assets | 0.2904% | 4,815 |
| Noninterest expense to average assets | 2.7122% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7273% | 3,684 |
| Return on assets (ROA) | 0.7273% | 3,781 |
| Pretax return on assets | 0.8659% | 3,969 |
| Return on Equity (ROE) | 6.0396% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0396% | 1,776 |
| Net charge-offs to loans | -0.0228% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8004% | 2,306 |
| Assets per employee ($millions) | 4.1908% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,945 |
| Loan loss allowance to noncurrent loans | 52.8822% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 2,070 |
| Noncurrent loans to loans | 2.1153% | 968 |
| Net loans and leases to total assets | 49.4525% | 4,915 |
| Net loans and leases to deposits | 56.9162% | 4,987 |
| Net loans and leases to core deposits | 59.1376% | 5,035 |
| Total domestic deposits to total assets | 86.8865% | 2,198 |
| Equity capital to assets | 12.3525% | 1,701 |
| Core capital (leverage) ratio | 11.8575% | 1,719 |
| Tier 1 risk-based capital ratio | 17.1515% | 2,234 |
| Total risk-based capital ratio | 17.9284% | 2,352 |
| Memoranda: | ||
| Average total assets | $37,533,800 | 5,813 |
| Average earning assets | $31,008,400 | 5,881 |
| Average equity | $4,520,200 | 5,755 |
| Average total loans | $17,543,200 | 5,810 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,012 |
| Cost of funding earning assets | 0.4036% | 3,190 |
| Net interest margin | 3.9667% | 1,820 |
| Noninterest income to average assets | 0.2774% | 4,958 |
| Noninterest expense to average assets | 2.6212% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7398% | 3,728 |
| Return on assets (ROA) | 0.7398% | 3,823 |
| Pretax return on assets | 0.9070% | 3,964 |
| Return on Equity (ROE) | 6.1828% | 4,068 |
| Retained earnings to average equity (ytd only) | 6.1828% | 2,130 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2944% | 2,507 |
| Assets per employee ($millions) | 4.3692% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 4,304 |
| Loan loss allowance to noncurrent loans | 51.7500% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 2,324 |
| Noncurrent loans to loans | 2.0998% | 1,076 |
| Net loans and leases to total assets | 47.9160% | 5,084 |
| Net loans and leases to deposits | 58.1741% | 4,993 |
| Net loans and leases to core deposits | 60.4647% | 5,033 |
| Total domestic deposits to total assets | 82.3666% | 4,044 |
| Equity capital to assets | 11.7056% | 2,344 |
| Core capital (leverage) ratio | 11.9286% | 1,715 |
| Tier 1 risk-based capital ratio | 16.4077% | 2,624 |
| Total risk-based capital ratio | 17.1471% | 2,786 |
| Memoranda: | ||
| Average total assets | $37,488,000 | 5,888 |
| Average earning assets | $30,722,000 | 5,967 |
| Average equity | $4,485,500 | 5,837 |
| Average total loans | $17,213,250 | 5,894 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 2,247 |
| Cost of funding earning assets | 0.4100% | 3,160 |
| Net interest margin | 3.8686% | 2,079 |
| Noninterest income to average assets | 0.2766% | 4,969 |
| Noninterest expense to average assets | 2.7118% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6454% | 4,146 |
| Return on assets (ROA) | 0.6454% | 4,255 |
| Pretax return on assets | 0.7376% | 4,532 |
| Return on Equity (ROE) | 5.3527% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.3527% | 2,639 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6164% | 1,971 |
| Assets per employee ($millions) | 4.2827% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,052 |
| Loan loss allowance to noncurrent loans | 40.8284% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 1,909 |
| Noncurrent loans to loans | 2.8308% | 728 |
| Net loans and leases to total assets | 45.9293% | 5,247 |
| Net loans and leases to deposits | 52.4456% | 5,354 |
| Net loans and leases to core deposits | 53.4931% | 5,451 |
| Total domestic deposits to total assets | 87.5752% | 1,860 |
| Equity capital to assets | 11.7009% | 2,247 |
| Core capital (leverage) ratio | 12.1483% | 1,562 |
| Tier 1 risk-based capital ratio | 17.1509% | 2,350 |
| Total risk-based capital ratio | 17.9391% | 2,475 |
| Memoranda: | ||
| Average total assets | $36,876,330 | 5,974 |
| Average earning assets | $30,243,670 | 6,042 |
| Average equity | $4,446,330 | 5,906 |
| Average total loans | $16,601,330 | 5,982 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,731 |
| Cost of funding earning assets | 0.4327% | 2,947 |
| Net interest margin | 3.6911% | 2,654 |
| Noninterest income to average assets | 0.2885% | 4,863 |
| Noninterest expense to average assets | 2.8411% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4550% | 4,850 |
| Return on assets (ROA) | 0.4550% | 4,964 |
| Pretax return on assets | 0.4772% | 5,241 |
| Return on Equity (ROE) | 3.7150% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.7150% | 3,780 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6187% | 1,214 |
| Assets per employee ($millions) | 4.0959% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 3,181 |
| Loan loss allowance to noncurrent loans | 35.4452% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.5842% | 1,624 |
| Noncurrent loans to loans | 3.7851% | 477 |
| Net loans and leases to total assets | 41.2934% | 5,528 |
| Net loans and leases to deposits | 47.3188% | 5,601 |
| Net loans and leases to core deposits | 48.7556% | 5,642 |
| Total domestic deposits to total assets | 87.2664% | 2,228 |
| Equity capital to assets | 12.0500% | 1,993 |
| Core capital (leverage) ratio | 12.0243% | 1,622 |
| Tier 1 risk-based capital ratio | 19.6948% | 1,692 |
| Total risk-based capital ratio | 20.6157% | 1,728 |
| Memoranda: | ||
| Average total assets | $36,042,500 | 6,053 |
| Average earning assets | $29,584,500 | 6,113 |
| Average equity | $4,414,500 | 5,968 |
| Average total loans | $15,947,000 | 6,055 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,996 |
| Cost of funding earning assets | 0.4525% | 3,143 |
| Net interest margin | 4.0156% | 1,854 |
| Noninterest income to average assets | 0.3369% | 4,699 |
| Noninterest expense to average assets | 2.7821% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7809% | 3,467 |
| Return on assets (ROA) | 0.7833% | 3,543 |
| Pretax return on assets | 0.9208% | 3,821 |
| Return on Equity (ROE) | 6.6011% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.6011% | 1,597 |
| Net charge-offs to loans | -0.0130% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1897% | 2,639 |
| Assets per employee ($millions) | 3.9136% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 3,683 |
| Loan loss allowance to noncurrent loans | 59.4828% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 2,780 |
| Noncurrent loans to loans | 2.1136% | 1,289 |
| Net loans and leases to total assets | 46.1587% | 5,312 |
| Net loans and leases to deposits | 53.1724% | 5,396 |
| Net loans and leases to core deposits | 54.8997% | 5,453 |
| Total domestic deposits to total assets | 86.8094% | 2,385 |
| Equity capital to assets | 12.4553% | 1,676 |
| Core capital (leverage) ratio | 11.7791% | 1,776 |
| Tier 1 risk-based capital ratio | 19.5515% | 1,706 |
| Total risk-based capital ratio | 20.4744% | 1,756 |
| Memoranda: | ||
| Average total assets | $35,620,000 | 6,141 |
| Average earning assets | $29,833,600 | 6,187 |
| Average equity | $4,226,600 | 6,046 |
| Average total loans | $15,438,400 | 6,149 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 2,347 |
| Cost of funding earning assets | 0.4553% | 3,186 |
| Net interest margin | 3.9148% | 2,177 |
| Noninterest income to average assets | 0.3248% | 4,833 |
| Noninterest expense to average assets | 2.6950% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7918% | 3,459 |
| Return on assets (ROA) | 0.7951% | 3,551 |
| Pretax return on assets | 0.9070% | 3,953 |
| Return on Equity (ROE) | 6.7835% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.7835% | 1,938 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8963% | 2,679 |
| Assets per employee ($millions) | 4.0294% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,251 |
| Loan loss allowance to noncurrent loans | 58.7393% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 2,211 |
| Noncurrent loans to loans | 2.0359% | 1,546 |
| Net loans and leases to total assets | 46.7034% | 5,318 |
| Net loans and leases to deposits | 56.2037% | 5,225 |
| Net loans and leases to core deposits | 58.0531% | 5,328 |
| Total domestic deposits to total assets | 83.0966% | 4,105 |
| Equity capital to assets | 11.9123% | 2,136 |
| Core capital (leverage) ratio | 12.1158% | 1,624 |
| Tier 1 risk-based capital ratio | 18.4544% | 2,068 |
| Total risk-based capital ratio | 19.3302% | 2,147 |
| Memoranda: | ||
| Average total assets | $35,719,500 | 6,213 |
| Average earning assets | $29,868,750 | 6,257 |
| Average equity | $4,186,500 | 6,115 |
| Average total loans | $15,181,750 | 6,228 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,709 |
| Cost of funding earning assets | 0.4607% | 3,202 |
| Net interest margin | 3.8076% | 2,545 |
| Noninterest income to average assets | 0.3489% | 4,639 |
| Noninterest expense to average assets | 2.6845% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7379% | 3,631 |
| Return on assets (ROA) | 0.6979% | 3,942 |
| Pretax return on assets | 0.7823% | 4,340 |
| Return on Equity (ROE) | 5.9874% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.9874% | 2,332 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4423% | 2,545 |
| Assets per employee ($millions) | 3.9332% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 3,726 |
| Loan loss allowance to noncurrent loans | 57.7465% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 2,253 |
| Noncurrent loans to loans | 2.2952% | 1,416 |
| Net loans and leases to total assets | 43.1142% | 5,594 |
| Net loans and leases to deposits | 49.4204% | 5,680 |
| Net loans and leases to core deposits | 50.9719% | 5,734 |
| Total domestic deposits to total assets | 87.2398% | 2,328 |
| Equity capital to assets | 11.9664% | 2,013 |
| Core capital (leverage) ratio | 11.8939% | 1,721 |
| Tier 1 risk-based capital ratio | 19.3665% | 1,834 |
| Total risk-based capital ratio | 20.3048% | 1,872 |
| Memoranda: | ||
| Average total assets | $35,537,670 | 6,279 |
| Average earning assets | $29,520,000 | 6,323 |
| Average equity | $4,142,000 | 6,167 |
| Average total loans | $14,528,330 | 6,300 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,780 |
| Cost of funding earning assets | 0.4755% | 3,172 |
| Net interest margin | 3.7499% | 2,678 |
| Noninterest income to average assets | 0.3370% | 4,679 |
| Noninterest expense to average assets | 2.7073% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6628% | 3,880 |
| Return on assets (ROA) | 0.6628% | 3,972 |
| Pretax return on assets | 0.7302% | 4,386 |
| Return on Equity (ROE) | 5.7631% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.7631% | 2,663 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7582% | 2,366 |
| Assets per employee ($millions) | 3.9933% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 4,828 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.6572% | 5,966 |
| Net loans and leases to deposits | 42.8875% | 6,029 |
| Net loans and leases to core deposits | 44.1955% | 6,070 |
| Total domestic deposits to total assets | 87.8047% | 2,342 |
| Equity capital to assets | 11.5164% | 2,231 |
| Core capital (leverage) ratio | 11.2849% | 2,155 |
| Tier 1 risk-based capital ratio | 19.4133% | 1,854 |
| Total risk-based capital ratio | 20.3724% | 1,894 |
| Memoranda: | ||
| Average total assets | $35,607,000 | 6,341 |
| Average earning assets | $29,440,500 | 6,390 |
| Average equity | $4,095,000 | 6,226 |
| Average total loans | $14,059,000 | 6,377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,569 |
| Cost of funding earning assets | 0.5294% | 3,292 |
| Net interest margin | 3.8765% | 2,386 |
| Noninterest income to average assets | 0.3847% | 4,556 |
| Noninterest expense to average assets | 2.7014% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7656% | 3,466 |
| Return on assets (ROA) | 0.7252% | 3,767 |
| Pretax return on assets | 0.8386% | 4,002 |
| Return on Equity (ROE) | 6.6078% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.8512% | 2,067 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3086% | 2,898 |
| Assets per employee ($millions) | 3.9193% | 4,027 |
| Cash dividends to net income (ytd only)* | 11.4504% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 3,528 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,817 |
| Noncurrent loans to loans | 0.0695% | 6,009 |
| Net loans and leases to total assets | 40.1826% | 5,947 |
| Net loans and leases to deposits | 45.7787% | 6,030 |
| Net loans and leases to core deposits | 47.1995% | 6,081 |
| Total domestic deposits to total assets | 87.7757% | 2,321 |
| Equity capital to assets | 11.4844% | 2,180 |
| Core capital (leverage) ratio | 11.1241% | 2,262 |
| Tier 1 risk-based capital ratio | 18.8336% | 1,971 |
| Total risk-based capital ratio | 19.7787% | 2,035 |
| Memoranda: | ||
| Average total assets | $36,129,600 | 6,388 |
| Average earning assets | $29,846,800 | 6,449 |
| Average equity | $3,965,000 | 6,337 |
| Average total loans | $13,905,400 | 6,458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,884 |
| Cost of funding earning assets | 0.5396% | 3,365 |
| Net interest margin | 3.7864% | 2,692 |
| Noninterest income to average assets | 0.3742% | 4,715 |
| Noninterest expense to average assets | 2.6231% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7392% | 3,651 |
| Return on assets (ROA) | 0.7080% | 3,949 |
| Pretax return on assets | 0.8291% | 4,193 |
| Return on Equity (ROE) | 6.5254% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.5111% | 2,718 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1840% | 2,877 |
| Assets per employee ($millions) | 4.0928% | 3,647 |
| Cash dividends to net income (ytd only)* | 15.5442% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,293 |
| Loan loss allowance to noncurrent loans | 621.2121% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 4,896 |
| Noncurrent loans to loans | 0.2122% | 5,707 |
| Net loans and leases to total assets | 41.6587% | 5,920 |
| Net loans and leases to deposits | 50.4869% | 5,801 |
| Net loans and leases to core deposits | 51.6406% | 5,910 |
| Total domestic deposits to total assets | 82.5139% | 4,753 |
| Equity capital to assets | 10.8565% | 2,907 |
| Core capital (leverage) ratio | 10.7346% | 2,747 |
| Tier 1 risk-based capital ratio | 17.0797% | 2,675 |
| Total risk-based capital ratio | 17.9526% | 2,811 |
| Memoranda: | ||
| Average total assets | $36,343,500 | 6,452 |
| Average earning assets | $29,896,000 | 6,518 |
| Average equity | $3,943,500 | 6,417 |
| Average total loans | $13,787,000 | 6,533 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 3,324 |
| Cost of funding earning assets | 0.5468% | 3,452 |
| Net interest margin | 3.6636% | 3,116 |
| Noninterest income to average assets | 0.3648% | 4,785 |
| Noninterest expense to average assets | 2.7363% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5694% | 4,460 |
| Return on assets (ROA) | 0.5694% | 4,631 |
| Pretax return on assets | 0.5915% | 5,047 |
| Return on Equity (ROE) | 5.2484% | 4,591 |
| Retained earnings to average equity (ytd only) | 3.7197% | 3,938 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2259% | 1,853 |
| Assets per employee ($millions) | 4.1047% | 3,572 |
| Cash dividends to net income (ytd only)* | 29.1262% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,740 |
| Loan loss allowance to noncurrent loans | 1,144.4444% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 5,086 |
| Noncurrent loans to loans | 0.1281% | 6,004 |
| Net loans and leases to total assets | 37.4939% | 6,209 |
| Net loans and leases to deposits | 44.2538% | 6,213 |
| Net loans and leases to core deposits | 45.6466% | 6,245 |
| Total domestic deposits to total assets | 84.7247% | 4,028 |
| Equity capital to assets | 10.5327% | 3,257 |
| Core capital (leverage) ratio | 10.9957% | 2,358 |
| Tier 1 risk-based capital ratio | 17.2046% | 2,640 |
| Total risk-based capital ratio | 18.1092% | 2,738 |
| Memoranda: | ||
| Average total assets | $36,179,670 | 6,506 |
| Average earning assets | $29,261,000 | 6,580 |
| Average equity | $3,925,000 | 6,470 |
| Average total loans | $13,199,330 | 6,595 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 3,590 |
| Cost of funding earning assets | 0.5803% | 3,292 |
| Net interest margin | 3.5523% | 3,466 |
| Noninterest income to average assets | 0.3576% | 4,808 |
| Noninterest expense to average assets | 2.7040% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4581% | 4,877 |
| Return on assets (ROA) | 0.4581% | 5,042 |
| Pretax return on assets | 0.4581% | 5,393 |
| Return on Equity (ROE) | 4.1603% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.1603% | 3,724 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5124% | 1,581 |
| Assets per employee ($millions) | 4.0886% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 3,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 5,324 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 33.2500% | 6,452 |
| Net loans and leases to deposits | 37.5779% | 6,520 |
| Net loans and leases to core deposits | 38.7098% | 6,537 |
| Total domestic deposits to total assets | 88.4828% | 2,019 |
| Equity capital to assets | 10.7645% | 3,238 |
| Core capital (leverage) ratio | 10.4228% | 2,880 |
| Tier 1 risk-based capital ratio | 19.9318% | 1,791 |
| Total risk-based capital ratio | 20.9755% | 1,814 |
| Memoranda: | ||
| Average total assets | $35,798,500 | 6,574 |
| Average earning assets | $28,263,000 | 6,667 |
| Average equity | $3,942,000 | 6,532 |
| Average total loans | $12,770,500 | 6,671 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9974% | 1,565 |
| Cost of funding earning assets | 0.7618% | 2,995 |
| Net interest margin | 4.2355% | 1,558 |
| Noninterest income to average assets | 0.4153% | 4,492 |
| Noninterest expense to average assets | 2.8770% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6982% | 3,748 |
| Return on assets (ROA) | 0.6982% | 3,999 |
| Pretax return on assets | 0.7674% | 4,421 |
| Return on Equity (ROE) | 6.1053% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.4474% | 2,419 |
| Net charge-offs to loans | -0.0074% | 6,426 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9430% | 2,283 |
| Assets per employee ($millions) | 3.8667% | 4,239 |
| Cash dividends to net income (ytd only)* | 10.7759% | 4,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 5,355 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.0575% | 6,366 |
| Net loans and leases to deposits | 42.1769% | 6,456 |
| Net loans and leases to core deposits | 43.5279% | 6,486 |
| Total domestic deposits to total assets | 87.8621% | 2,317 |
| Equity capital to assets | 11.2730% | 2,657 |
| Core capital (leverage) ratio | 11.1717% | 2,103 |
| Tier 1 risk-based capital ratio | 19.6033% | 1,785 |
| Total risk-based capital ratio | 20.6406% | 1,810 |
| Memoranda: | ||
| Average total assets | $33,229,400 | 6,675 |
| Average earning assets | $25,333,400 | 6,776 |
| Average equity | $3,800,000 | 6,611 |
| Average total loans | $13,590,400 | 6,712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 2,083 |
| Cost of funding earning assets | 0.7758% | 3,147 |
| Net interest margin | 4.1043% | 2,074 |
| Noninterest income to average assets | 0.3695% | 4,877 |
| Noninterest expense to average assets | 2.9072% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6172% | 4,312 |
| Return on assets (ROA) | 0.6172% | 4,568 |
| Pretax return on assets | 0.6415% | 5,047 |
| Return on Equity (ROE) | 5.3767% | 4,652 |
| Retained earnings to average equity (ytd only) | 5.3767% | 3,112 |
| Net charge-offs to loans | -0.0097% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9222% | 1,818 |
| Assets per employee ($millions) | 3.8061% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,596 |
| Loan loss allowance to noncurrent loans | 1,078.9474% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 4,999 |
| Noncurrent loans to loans | 0.1249% | 6,296 |
| Net loans and leases to total assets | 43.8272% | 5,982 |
| Net loans and leases to deposits | 49.9285% | 6,112 |
| Net loans and leases to core deposits | 52.0111% | 6,178 |
| Total domestic deposits to total assets | 87.7799% | 2,184 |
| Equity capital to assets | 11.3005% | 2,933 |
| Core capital (leverage) ratio | 11.6520% | 1,870 |
| Tier 1 risk-based capital ratio | 18.9221% | 2,035 |
| Total risk-based capital ratio | 19.9376% | 2,072 |
| Memoranda: | ||
| Average total assets | $32,836,750 | 6,770 |
| Average earning assets | $25,435,750 | 6,860 |
| Average equity | $3,769,250 | 6,700 |
| Average total loans | $13,712,750 | 6,798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 2,282 |
| Cost of funding earning assets | 0.8014% | 3,177 |
| Net interest margin | 4.0553% | 2,268 |
| Noninterest income to average assets | 0.3955% | 4,687 |
| Noninterest expense to average assets | 3.0033% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5067% | 4,788 |
| Return on assets (ROA) | 0.5067% | 5,048 |
| Pretax return on assets | 0.5191% | 5,389 |
| Return on Equity (ROE) | 4.3905% | 5,096 |
| Retained earnings to average equity (ytd only) | 4.3905% | 3,691 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2632% | 1,504 |
| Assets per employee ($millions) | 3.2761% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,859 |
| Loan loss allowance to noncurrent loans | 1,073.6842% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 5,028 |
| Noncurrent loans to loans | 0.1428% | 6,302 |
| Net loans and leases to total assets | 39.9988% | 6,340 |
| Net loans and leases to deposits | 45.6458% | 6,464 |
| Net loans and leases to core deposits | 47.6509% | 6,483 |
| Total domestic deposits to total assets | 87.6286% | 2,377 |
| Equity capital to assets | 11.5442% | 2,547 |
| Core capital (leverage) ratio | 12.0590% | 1,575 |
| Tier 1 risk-based capital ratio | 18.4847% | 2,137 |
| Total risk-based capital ratio | 19.4903% | 2,187 |
| Memoranda: | ||
| Average total assets | $32,364,000 | 6,833 |
| Average earning assets | $24,955,000 | 6,931 |
| Average equity | $3,735,330 | 6,745 |
| Average total loans | $13,211,000 | 6,873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 2,039 |
| Cost of funding earning assets | 0.8849% | 2,799 |
| Net interest margin | 4.0739% | 2,199 |
| Noninterest income to average assets | 0.4104% | 4,592 |
| Noninterest expense to average assets | 3.0592% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3606% | 5,426 |
| Return on assets (ROA) | 0.3606% | 5,611 |
| Pretax return on assets | 0.3855% | 5,764 |
| Return on Equity (ROE) | 3.1250% | 5,670 |
| Retained earnings to average equity (ytd only) | 3.1250% | 4,689 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8087% | 1,200 |
| Assets per employee ($millions) | 3.3893% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 5,318 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.1725% | 6,679 |
| Net loans and leases to deposits | 39.8283% | 6,745 |
| Net loans and leases to core deposits | 41.1239% | 6,781 |
| Total domestic deposits to total assets | 88.3103% | 2,124 |
| Equity capital to assets | 10.9964% | 2,912 |
| Core capital (leverage) ratio | 11.2088% | 2,104 |
| Tier 1 risk-based capital ratio | 21.5029% | 1,383 |
| Total risk-based capital ratio | 22.6895% | 1,363 |
| Memoranda: | ||
| Average total assets | $32,165,500 | 6,891 |
| Average earning assets | $23,957,500 | 7,022 |
| Average equity | $3,712,000 | 6,794 |
| Average total loans | $13,162,500 | 6,929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 1,244 |
| Cost of funding earning assets | 1.0328% | 3,139 |
| Net interest margin | 4.4361% | 1,299 |
| Noninterest income to average assets | 0.4620% | 4,117 |
| Noninterest expense to average assets | 3.4791% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6160% | 3,911 |
| Return on assets (ROA) | 0.6160% | 4,106 |
| Pretax return on assets | 0.6510% | 4,506 |
| Return on Equity (ROE) | 4.8930% | 4,444 |
| Retained earnings to average equity (ytd only) | 4.8930% | 2,722 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2373% | 1,737 |
| Assets per employee ($millions) | 3.0438% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 4,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 5,079 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 45.9820% | 6,015 |
| Net loans and leases to deposits | 52.8710% | 6,146 |
| Net loans and leases to core deposits | 54.8153% | 6,244 |
| Total domestic deposits to total assets | 86.9702% | 2,778 |
| Equity capital to assets | 12.1460% | 2,017 |
| Core capital (leverage) ratio | 12.2422% | 1,466 |
| Tier 1 risk-based capital ratio | 19.4847% | 1,766 |
| Total risk-based capital ratio | 20.5684% | 1,779 |
| Memoranda: | ||
| Average total assets | $28,570,600 | 7,008 |
| Average earning assets | $23,624,400 | 7,057 |
| Average equity | $3,597,000 | 6,852 |
| Average total loans | $14,223,000 | 6,941 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4523% | 1,389 |
| Cost of funding earning assets | 1.0723% | 3,165 |
| Net interest margin | 4.3800% | 1,458 |
| Noninterest income to average assets | 0.4602% | 4,219 |
| Noninterest expense to average assets | 3.4633% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5930% | 4,115 |
| Return on assets (ROA) | 0.5930% | 4,304 |
| Pretax return on assets | 0.6594% | 4,612 |
| Return on Equity (ROE) | 4.6657% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.6657% | 3,407 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0046% | 1,730 |
| Assets per employee ($millions) | 2.9147% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 5,066 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 50.9383% | 5,591 |
| Net loans and leases to deposits | 58.9775% | 5,749 |
| Net loans and leases to core deposits | 61.2525% | 5,884 |
| Total domestic deposits to total assets | 86.3691% | 3,001 |
| Equity capital to assets | 12.5502% | 1,890 |
| Core capital (leverage) ratio | 12.8240% | 1,284 |
| Tier 1 risk-based capital ratio | 17.7113% | 2,359 |
| Total risk-based capital ratio | 18.7102% | 2,434 |
| Memoranda: | ||
| Average total assets | $28,103,750 | 7,091 |
| Average earning assets | $23,500,250 | 7,135 |
| Average equity | $3,572,000 | 6,918 |
| Average total loans | $14,228,750 | 7,010 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 1,662 |
| Cost of funding earning assets | 1.1096% | 3,168 |
| Net interest margin | 4.2576% | 1,811 |
| Noninterest income to average assets | 0.4756% | 4,060 |
| Noninterest expense to average assets | 3.3506% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6197% | 3,958 |
| Return on assets (ROA) | 0.6197% | 4,087 |
| Pretax return on assets | 0.6917% | 4,412 |
| Return on Equity (ROE) | 4.8542% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.8542% | 3,084 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8877% | 1,972 |
| Assets per employee ($millions) | 2.8268% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 4,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 5,128 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.4670% | 5,758 |
| Net loans and leases to deposits | 58.5200% | 5,874 |
| Net loans and leases to core deposits | 60.8410% | 6,018 |
| Total domestic deposits to total assets | 86.2389% | 3,189 |
| Equity capital to assets | 12.8166% | 1,616 |
| Core capital (leverage) ratio | 12.7335% | 1,278 |
| Tier 1 risk-based capital ratio | 18.6578% | 1,947 |
| Total risk-based capital ratio | 19.7215% | 1,974 |
| Memoranda: | ||
| Average total assets | $27,756,000 | 7,168 |
| Average earning assets | $23,252,670 | 7,206 |
| Average equity | $3,543,330 | 6,968 |
| Average total loans | $13,954,670 | 7,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 1,464 |
| Cost of funding earning assets | 1.1685% | 3,031 |
| Net interest margin | 4.2666% | 1,677 |
| Noninterest income to average assets | 0.5382% | 3,593 |
| Noninterest expense to average assets | 3.6655% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3636% | 5,105 |
| Return on assets (ROA) | 0.3636% | 5,189 |
| Pretax return on assets | 0.3782% | 5,401 |
| Return on Equity (ROE) | 2.8543% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.8543% | 4,456 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6475% | 1,273 |
| Assets per employee ($millions) | 2.7998% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 5,147 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.4068% | 6,343 |
| Net loans and leases to deposits | 52.5027% | 6,437 |
| Net loans and leases to core deposits | 54.8352% | 6,499 |
| Total domestic deposits to total assets | 86.4847% | 3,241 |
| Equity capital to assets | 12.5616% | 1,592 |
| Core capital (leverage) ratio | 12.5347% | 1,309 |
| Tier 1 risk-based capital ratio | 20.1941% | 1,550 |
| Total risk-based capital ratio | 21.3597% | 1,529 |
| Memoranda: | ||
| Average total assets | $27,500,000 | 7,222 |
| Average earning assets | $22,594,000 | 7,274 |
| Average equity | $3,503,500 | 7,012 |
| Average total loans | $13,697,000 | 7,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9268% | 986 |
| Cost of funding earning assets | 1.3181% | 3,766 |
| Net interest margin | 4.6087% | 995 |
| Noninterest income to average assets | 0.4329% | 4,657 |
| Noninterest expense to average assets | 3.4712% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7556% | 2,974 |
| Return on assets (ROA) | 0.7556% | 3,097 |
| Pretax return on assets | 0.9249% | 3,174 |
| Return on Equity (ROE) | 5.6121% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,049 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9615% | 2,543 |
| Assets per employee ($millions) | 3.8574% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,466 |
| Loan loss allowance to noncurrent loans | 703.4483% | 486 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 4,957 |
| Noncurrent loans to loans | 0.2003% | 6,667 |
| Net loans and leases to total assets | 52.8628% | 5,803 |
| Net loans and leases to deposits | 61.4543% | 5,899 |
| Net loans and leases to core deposits | 64.2452% | 6,032 |
| Total domestic deposits to total assets | 86.0196% | 3,349 |
| Equity capital to assets | 12.9250% | 1,430 |
| Core capital (leverage) ratio | 12.7328% | 1,227 |
| Tier 1 risk-based capital ratio | 18.5240% | 1,835 |
| Total risk-based capital ratio | 19.6056% | 1,854 |
| Memoranda: | ||
| Average total assets | $25,409,400 | 7,334 |
| Average earning assets | $21,849,800 | 7,358 |
| Average equity | $3,421,200 | 7,153 |
| Average total loans | $13,867,000 | 7,211 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9598% | 1,013 |
| Cost of funding earning assets | 1.3347% | 4,010 |
| Net interest margin | 4.6251% | 995 |
| Noninterest income to average assets | 0.3998% | 4,958 |
| Noninterest expense to average assets | 3.3477% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8689% | 2,745 |
| Return on assets (ROA) | 0.8689% | 2,877 |
| Pretax return on assets | 1.0608% | 2,965 |
| Return on Equity (ROE) | 6.3845% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.3845% | 2,147 |
| Net charge-offs to loans | 0.0097% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 199.4962% | 162 |
| Efficiency ratio | 75.9371% | 2,963 |
| Assets per employee ($millions) | 3.7064% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 5,187 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.5851% | 5,468 |
| Net loans and leases to deposits | 66.3488% | 5,629 |
| Net loans and leases to core deposits | 68.4014% | 5,900 |
| Total domestic deposits to total assets | 85.2843% | 3,476 |
| Equity capital to assets | 13.4978% | 1,350 |
| Core capital (leverage) ratio | 13.6096% | 1,026 |
| Tier 1 risk-based capital ratio | 18.2797% | 1,941 |
| Total risk-based capital ratio | 19.3516% | 1,956 |
| Memoranda: | ||
| Average total assets | $25,011,250 | 7,439 |
| Average earning assets | $21,678,250 | 7,457 |
| Average equity | $3,404,000 | 7,252 |
| Average total loans | $13,714,250 | 7,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9175% | 1,142 |
| Cost of funding earning assets | 1.3377% | 4,276 |
| Net interest margin | 4.5798% | 1,038 |
| Noninterest income to average assets | 0.3887% | 5,005 |
| Noninterest expense to average assets | 3.5142% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7368% | 3,249 |
| Return on assets (ROA) | 0.7368% | 3,398 |
| Pretax return on assets | 0.8664% | 3,639 |
| Return on Equity (ROE) | 5.3985% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,679 |
| Net charge-offs to loans | 0.0150% | 6,132 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 308 |
| Efficiency ratio | 80.2218% | 2,415 |
| Assets per employee ($millions) | 3.5844% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 4,139 |
| Loan loss allowance to noncurrent loans | 3,383.3333% | 120 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 5,132 |
| Noncurrent loans to loans | 0.0431% | 7,207 |
| Net loans and leases to total assets | 54.6929% | 5,883 |
| Net loans and leases to deposits | 64.1322% | 6,025 |
| Net loans and leases to core deposits | 66.1732% | 6,231 |
| Total domestic deposits to total assets | 85.2816% | 3,475 |
| Equity capital to assets | 13.6344% | 1,295 |
| Core capital (leverage) ratio | 13.8001% | 975 |
| Tier 1 risk-based capital ratio | 19.0803% | 1,702 |
| Total risk-based capital ratio | 20.2229% | 1,695 |
| Memoranda: | ||
| Average total assets | $24,700,000 | 7,507 |
| Average earning assets | $21,529,330 | 7,519 |
| Average equity | $3,371,330 | 7,305 |
| Average total loans | $13,324,330 | 7,385 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7245% | 1,687 |
| Cost of funding earning assets | 1.3524% | 4,474 |
| Net interest margin | 4.3721% | 1,470 |
| Noninterest income to average assets | 0.4081% | 4,842 |
| Noninterest expense to average assets | 3.7054% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5060% | 4,365 |
| Return on assets (ROA) | 0.5060% | 4,506 |
| Pretax return on assets | 0.5550% | 4,768 |
| Return on Equity (ROE) | 3.7054% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.7054% | 3,933 |
| Net charge-offs to loans | 0.0614% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,308 |
| Efficiency ratio | 86.9732% | 1,689 |
| Assets per employee ($millions) | 3.4587% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 3,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 5,115 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 51.6831% | 6,304 |
| Net loans and leases to deposits | 60.6956% | 6,392 |
| Net loans and leases to core deposits | 62.6621% | 6,543 |
| Total domestic deposits to total assets | 85.1514% | 3,583 |
| Equity capital to assets | 13.8780% | 1,178 |
| Core capital (leverage) ratio | 13.5031% | 1,082 |
| Tier 1 risk-based capital ratio | 20.0349% | 1,515 |
| Total risk-based capital ratio | 21.2502% | 1,490 |
| Memoranda: | ||
| Average total assets | $24,504,500 | 7,607 |
| Average earning assets | $21,591,500 | 7,611 |
| Average equity | $3,346,500 | 7,394 |
| Average total loans | $13,023,500 | 7,492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0968% | 1,522 |
| Cost of funding earning assets | 1.6444% | 4,823 |
| Net interest margin | 4.4525% | 1,289 |
| Noninterest income to average assets | 0.4521% | 4,787 |
| Noninterest expense to average assets | 3.4515% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8356% | 2,398 |
| Return on assets (ROA) | 0.8356% | 2,483 |
| Pretax return on assets | 1.0011% | 2,589 |
| Return on Equity (ROE) | 6.4015% | 3,033 |
| Retained earnings to average equity (ytd only) | 6.4015% | 1,190 |
| Net charge-offs to loans | -0.3224% | 7,932 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5159% | 3,265 |
| Assets per employee ($millions) | 3.5426% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 3,572 |
| Loan loss allowance to noncurrent loans | 4,080.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 5,082 |
| Noncurrent loans to loans | 0.0375% | 7,335 |
| Net loans and leases to total assets | 52.9398% | 6,313 |
| Net loans and leases to deposits | 61.9041% | 6,478 |
| Net loans and leases to core deposits | 80.1710% | 6,079 |
| Total domestic deposits to total assets | 85.5190% | 3,280 |
| Equity capital to assets | 13.4406% | 1,348 |
| Core capital (leverage) ratio | 13.1277% | 1,214 |
| Tier 1 risk-based capital ratio | 19.2642% | 1,599 |
| Total risk-based capital ratio | 20.4555% | 1,576 |
| Memoranda: | ||
| Average total assets | $24,771,800 | 7,643 |
| Average earning assets | $22,257,400 | 7,644 |
| Average equity | $3,233,600 | 7,522 |
| Average total loans | $12,719,000 | 7,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0256% | 1,933 |
| Cost of funding earning assets | 1.6867% | 4,966 |
| Net interest margin | 4.3389% | 1,621 |
| Noninterest income to average assets | 0.3876% | 5,412 |
| Noninterest expense to average assets | 3.1280% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9529% | 2,225 |
| Return on assets (ROA) | 0.9529% | 2,287 |
| Pretax return on assets | 1.1790% | 2,330 |
| Return on Equity (ROE) | 7.3546% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.3546% | 1,372 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6250% | 4,121 |
| Assets per employee ($millions) | 3.5721% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,389 |
| Loan loss allowance to noncurrent loans | 2,716.6667% | 137 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 5,053 |
| Noncurrent loans to loans | 0.0425% | 7,405 |
| Net loans and leases to total assets | 55.8088% | 6,163 |
| Net loans and leases to deposits | 67.0205% | 6,209 |
| Net loans and leases to core deposits | 89.4437% | 5,488 |
| Total domestic deposits to total assets | 83.2713% | 4,080 |
| Equity capital to assets | 13.2414% | 1,603 |
| Core capital (leverage) ratio | 13.2870% | 1,299 |
| Tier 1 risk-based capital ratio | 18.5992% | 1,840 |
| Total risk-based capital ratio | 19.5266% | 1,859 |
| Memoranda: | ||
| Average total assets | $24,765,250 | 7,717 |
| Average earning assets | $22,370,750 | 7,707 |
| Average equity | $3,208,750 | 7,594 |
| Average total loans | $12,565,750 | 7,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9998% | 2,179 |
| Cost of funding earning assets | 1.7297% | 5,127 |
| Net interest margin | 4.2701% | 1,750 |
| Noninterest income to average assets | 0.3727% | 5,526 |
| Noninterest expense to average assets | 3.2084% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8507% | 2,649 |
| Return on assets (ROA) | 0.8507% | 2,753 |
| Pretax return on assets | 1.0046% | 2,994 |
| Return on Equity (ROE) | 6.6149% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.6149% | 1,735 |
| Net charge-offs to loans | -0.0332% | 7,791 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1538% | 3,663 |
| Assets per employee ($millions) | 3.4684% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 4,555 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 4,885 |
| Noncurrent loans to loans | 0.0458% | 7,425 |
| Net loans and leases to total assets | 53.3342% | 6,528 |
| Net loans and leases to deposits | 62.2339% | 6,715 |
| Net loans and leases to core deposits | 82.7306% | 6,182 |
| Total domestic deposits to total assets | 85.6996% | 2,923 |
| Equity capital to assets | 13.3037% | 1,560 |
| Core capital (leverage) ratio | 13.1299% | 1,392 |
| Tier 1 risk-based capital ratio | 19.2776% | 1,724 |
| Total risk-based capital ratio | 20.2726% | 1,726 |
| Memoranda: | ||
| Average total assets | $24,685,330 | 7,797 |
| Average earning assets | $22,200,670 | 7,783 |
| Average equity | $3,174,670 | 7,674 |
| Average total loans | $12,048,330 | 7,750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9449% | 2,584 |
| Cost of funding earning assets | 1.7835% | 5,191 |
| Net interest margin | 4.1614% | 2,045 |
| Noninterest income to average assets | 0.4018% | 5,196 |
| Noninterest expense to average assets | 3.3590% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6750% | 3,687 |
| Return on assets (ROA) | 0.6750% | 3,868 |
| Pretax return on assets | 0.7554% | 4,233 |
| Return on Equity (ROE) | 5.3384% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.3384% | 2,939 |
| Net charge-offs to loans | -0.0347% | 7,595 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6406% | 2,588 |
| Assets per employee ($millions) | 3.5324% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 3,302 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 4,681 |
| Noncurrent loans to loans | 0.0175% | 7,512 |
| Net loans and leases to total assets | 45.4523% | 7,229 |
| Net loans and leases to deposits | 53.9041% | 7,293 |
| Net loans and leases to core deposits | 67.8684% | 7,140 |
| Total domestic deposits to total assets | 84.3208% | 3,546 |
| Equity capital to assets | 12.7512% | 1,858 |
| Core capital (leverage) ratio | 12.4766% | 1,696 |
| Tier 1 risk-based capital ratio | 20.5118% | 1,521 |
| Total risk-based capital ratio | 21.5852% | 1,524 |
| Memoranda: | ||
| Average total assets | $24,888,500 | 7,836 |
| Average earning assets | $22,204,000 | 7,836 |
| Average equity | $3,147,000 | 7,741 |
| Average total loans | $11,515,500 | 7,830 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4694% | 3,121 |
| Cost of funding earning assets | 2.3216% | 5,054 |
| Net interest margin | 4.1477% | 2,513 |
| Noninterest income to average assets | 0.4925% | 4,661 |
| Noninterest expense to average assets | 3.3680% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7637% | 3,600 |
| Return on assets (ROA) | 0.7637% | 3,444 |
| Pretax return on assets | 0.8973% | 3,731 |
| Return on Equity (ROE) | 6.0572% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.0572% | 1,505 |
| Net charge-offs to loans | 0.2654% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 6.9355% | 3,234 |
| Efficiency ratio | 78.9628% | 2,758 |
| Assets per employee ($millions) | 3.5786% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 3,182 |
| Loan loss allowance to noncurrent loans | 8,150.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 4,376 |
| Noncurrent loans to loans | 0.0172% | 7,462 |
| Net loans and leases to total assets | 45.7685% | 7,351 |
| Net loans and leases to deposits | 54.7778% | 7,394 |
| Net loans and leases to core deposits | 68.6568% | 7,259 |
| Total domestic deposits to total assets | 83.5529% | 3,551 |
| Equity capital to assets | 12.5389% | 1,990 |
| Core capital (leverage) ratio | 12.4879% | 1,758 |
| Tier 1 risk-based capital ratio | 18.9264% | 1,827 |
| Total risk-based capital ratio | 19.9241% | 1,825 |
| Memoranda: | ||
| Average total assets | $23,961,000 | 7,872 |
| Average earning assets | $21,795,000 | 7,868 |
| Average equity | $3,021,200 | 7,831 |
| Average total loans | $11,678,400 | 7,851 |