Home > The Waterford Commercial and Savings Bank > Performance and Condition Ratios
The Waterford Commercial and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,925 |
| Cost of funding earning assets | 0.7825% | 3,782 |
| Net interest margin | 3.2411% | 2,772 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.1572% | 864 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4083% | 3,852 |
| Return on assets (ROA) | 0.4300% | 3,807 |
| Pretax return on assets | 0.5175% | 3,775 |
| Return on Equity (ROE) | 4.1300% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.1135% | 3,555 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.4115% | 539 |
| Assets per employee ($millions) | 4.1239% | 4,116 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,043 |
| Loan loss allowance to noncurrent loans | 36,300.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,841 |
| Noncurrent loans to loans | 0.0029% | 3,773 |
| Net loans and leases to total assets | 58.9400% | 2,953 |
| Net loans and leases to deposits | 66.9770% | 3,110 |
| Net loans and leases to core deposits | 72.3255% | 3,171 |
| Total domestic deposits to total assets | 88.0000% | 1,358 |
| Equity capital to assets | 10.8184% | 1,577 |
| Core capital (leverage) ratio | 12.8015% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,203,000 | 4,246 |
| Average earning assets | $53,037,000 | 4,218 |
| Average equity | $5,961,600 | 4,165 |
| Average total loans | $32,370,800 | 4,106 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 3,993 |
| Cost of funding earning assets | 0.6970% | 3,771 |
| Net interest margin | 3.2030% | 2,910 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.0698% | 969 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4537% | 3,858 |
| Return on assets (ROA) | 0.4673% | 3,832 |
| Pretax return on assets | 0.5630% | 3,800 |
| Return on Equity (ROE) | 4.5300% | 3,891 |
| Retained earnings to average equity (ytd only) | 2.4898% | 3,632 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.7195% | 576 |
| Assets per employee ($millions) | 4.0776% | 4,131 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 2,918 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.7900% | 3,045 |
| Net loans and leases to deposits | 64.6104% | 3,219 |
| Net loans and leases to core deposits | 70.5998% | 3,183 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 10.2318% | 1,684 |
| Core capital (leverage) ratio | 12.9664% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,070,000 | 4,260 |
| Average earning assets | $52,991,250 | 4,235 |
| Average equity | $5,890,500 | 4,179 |
| Average total loans | $31,866,000 | 4,132 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 3,999 |
| Cost of funding earning assets | 0.5826% | 3,794 |
| Net interest margin | 3.2309% | 2,909 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.1053% | 904 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4326% | 3,939 |
| Return on assets (ROA) | 0.4556% | 3,908 |
| Pretax return on assets | 0.5538% | 3,880 |
| Return on Equity (ROE) | 4.4000% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.3701% | 3,628 |
| Net charge-offs to loans | -0.0319% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.2743% | 531 |
| Assets per employee ($millions) | 4.0731% | 4,154 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,598 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.5400% | 3,229 |
| Net loans and leases to deposits | 62.2182% | 3,293 |
| Net loans and leases to core deposits | 67.6212% | 3,250 |
| Total domestic deposits to total assets | 87.6600% | 1,721 |
| Equity capital to assets | 10.2641% | 1,705 |
| Core capital (leverage) ratio | 12.6948% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,064,333 | 4,282 |
| Average earning assets | $52,865,000 | 4,257 |
| Average equity | $5,907,000 | 4,201 |
| Average total loans | $31,369,667 | 4,149 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,054 |
| Cost of funding earning assets | 0.3932% | 3,983 |
| Net interest margin | 3.2893% | 2,905 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 3.0972% | 941 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4672% | 3,972 |
| Return on assets (ROA) | 0.4905% | 3,885 |
| Pretax return on assets | 0.5886% | 3,861 |
| Return on Equity (ROE) | 4.7200% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.6963% | 3,568 |
| Net charge-offs to loans | -0.0639% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.1905% | 584 |
| Assets per employee ($millions) | 4.1163% | 4,204 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,775 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.4600% | 3,160 |
| Net loans and leases to deposits | 62.1773% | 3,216 |
| Net loans and leases to core deposits | 62.8749% | 3,394 |
| Total domestic deposits to total assets | 87.5900% | 2,062 |
| Equity capital to assets | 10.3995% | 1,613 |
| Core capital (leverage) ratio | 12.8284% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,084,500 | 4,339 |
| Average earning assets | $52,899,500 | 4,319 |
| Average equity | $5,934,000 | 4,248 |
| Average total loans | $31,320,000 | 4,206 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 3,252 |
| Cost of funding earning assets | 0.2084% | 3,693 |
| Net interest margin | 3.2267% | 2,784 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.9550% | 1,034 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5159% | 4,065 |
| Return on assets (ROA) | 0.5117% | 4,028 |
| Pretax return on assets | 0.6218% | 3,993 |
| Return on Equity (ROE) | 4.8100% | 4,046 |
| Retained earnings to average equity (ytd only) | 2.9001% | 3,750 |
| Net charge-offs to loans | 0.0958% | 752 |
| Credit loss provision to net charge-offs | 41.3793% | 1,854 |
| Earnings coverage of net charge-offs (x) | 13.1724% | 2,082 |
| Efficiency ratio | 82.0320% | 592 |
| Assets per employee ($millions) | 4.0386% | 4,271 |
| Cash dividends to net income (ytd only)* | 39.7351% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 4,384 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.3200% | 3,169 |
| Net loans and leases to deposits | 60.6560% | 3,292 |
| Net loans and leases to core deposits | 61.3613% | 3,429 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 10.3907% | 1,511 |
| Core capital (leverage) ratio | 12.8285% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $59,019,600 | 4,343 |
| Average earning assets | $54,234,800 | 4,330 |
| Average equity | $6,275,600 | 4,297 |
| Average total loans | $30,259,200 | 4,237 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 3,016 |
| Cost of funding earning assets | 0.2097% | 3,151 |
| Net interest margin | 3.1503% | 2,776 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.8571% | 1,131 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5391% | 3,993 |
| Return on assets (ROA) | 0.5187% | 3,980 |
| Pretax return on assets | 0.6260% | 3,940 |
| Return on Equity (ROE) | 4.8500% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.9695% | 3,778 |
| Net charge-offs to loans | 0.1152% | 542 |
| Credit loss provision to net charge-offs | 34.6154% | 1,587 |
| Earnings coverage of net charge-offs (x) | 11.5385% | 1,943 |
| Efficiency ratio | 80.9886% | 717 |
| Assets per employee ($millions) | 4.3019% | 4,176 |
| Cash dividends to net income (ytd only)* | 38.7931% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5631% | 4,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.7200% | 3,403 |
| Net loans and leases to deposits | 56.0730% | 3,474 |
| Net loans and leases to core deposits | 56.6785% | 3,582 |
| Total domestic deposits to total assets | 90.4600% | 1,450 |
| Equity capital to assets | 9.4841% | 1,895 |
| Core capital (leverage) ratio | 12.0989% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $59,639,250 | 4,375 |
| Average earning assets | $54,680,500 | 4,362 |
| Average equity | $6,375,750 | 4,329 |
| Average total loans | $30,102,000 | 4,266 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 2,747 |
| Cost of funding earning assets | 0.1987% | 2,927 |
| Net interest margin | 3.0984% | 2,542 |
| Noninterest income to average assets | 0.6494% | 1,545 |
| Noninterest expense to average assets | 2.7825% | 1,205 |
| Loan and lease loss provision to assets | 0.0202% | 2,237 |
| Net operating income to assets | 0.5589% | 3,740 |
| Return on assets (ROA) | 0.5451% | 3,734 |
| Pretax return on assets | 0.6628% | 3,678 |
| Return on Equity (ROE) | 4.9113% | 3,831 |
| Retained earnings to average equity (ytd only) | 3.0923% | 3,415 |
| Net charge-offs to loans | 0.1739% | 368 |
| Credit loss provision to net charge-offs | 23.0769% | 1,592 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,836 |
| Efficiency ratio | 79.9034% | 957 |
| Assets per employee ($millions) | 4.3609% | 4,168 |
| Cash dividends to net income (ytd only)* | 37.0370% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 4,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.6077% | 3,413 |
| Net loans and leases to deposits | 55.2763% | 3,439 |
| Net loans and leases to core deposits | 55.8687% | 3,576 |
| Total domestic deposits to total assets | 89.7450% | 1,822 |
| Equity capital to assets | 10.1453% | 1,631 |
| Core capital (leverage) ratio | 12.0600% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,443,333 | 4,419 |
| Average earning assets | $54,351,333 | 4,420 |
| Average equity | $6,597,000 | 4,354 |
| Average total loans | $29,895,667 | 4,314 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 2,498 |
| Cost of funding earning assets | 0.2010% | 2,786 |
| Net interest margin | 3.0601% | 2,290 |
| Noninterest income to average assets | 0.6549% | 1,470 |
| Noninterest expense to average assets | 2.7832% | 1,195 |
| Loan and lease loss provision to assets | 0.0205% | 1,987 |
| Net operating income to assets | 0.5424% | 3,587 |
| Return on assets (ROA) | 0.5594% | 3,503 |
| Pretax return on assets | 0.6753% | 3,460 |
| Return on Equity (ROE) | 4.8246% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.0595% | 3,239 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4734% | 1,115 |
| Assets per employee ($millions) | 3.9022% | 4,439 |
| Cash dividends to net income (ytd only)* | 36.5854% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 4,461 |
| Loan loss allowance to noncurrent loans | 804.1667% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,620 |
| Noncurrent loans to loans | 0.0810% | 3,435 |
| Net loans and leases to total assets | 50.3067% | 3,142 |
| Net loans and leases to deposits | 56.7502% | 3,190 |
| Net loans and leases to core deposits | 57.3929% | 3,355 |
| Total domestic deposits to total assets | 88.6457% | 2,233 |
| Equity capital to assets | 11.1476% | 1,269 |
| Core capital (leverage) ratio | 12.6018% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,638,500 | 4,456 |
| Average earning assets | $53,724,500 | 4,446 |
| Average equity | $6,798,500 | 4,382 |
| Average total loans | $29,615,000 | 4,334 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 1,694 |
| Cost of funding earning assets | 0.2529% | 2,889 |
| Net interest margin | 3.6192% | 1,413 |
| Noninterest income to average assets | 0.8242% | 1,394 |
| Noninterest expense to average assets | 3.0180% | 953 |
| Loan and lease loss provision to assets | 0.0206% | 2,654 |
| Net operating income to assets | 0.8624% | 3,153 |
| Return on assets (ROA) | 0.8638% | 3,212 |
| Pretax return on assets | 1.0616% | 3,100 |
| Return on Equity (ROE) | 7.0878% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.9699% | 2,791 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6356% | 1,347 |
| Assets per employee ($millions) | 3.9163% | 4,454 |
| Cash dividends to net income (ytd only)* | 29.8805% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 4,505 |
| 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 | 50.0494% | 3,273 |
| Net loans and leases to deposits | 57.0085% | 3,339 |
| Net loans and leases to core deposits | 57.3510% | 3,527 |
| Total domestic deposits to total assets | 87.7928% | 2,155 |
| Equity capital to assets | 12.0387% | 1,237 |
| Core capital (leverage) ratio | 11.9888% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,118,000 | 4,477 |
| Average earning assets | $52,580,800 | 4,482 |
| Average equity | $7,082,600 | 4,414 |
| Average total loans | $30,555,800 | 4,365 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 1,423 |
| Cost of funding earning assets | 0.2554% | 3,069 |
| Net interest margin | 3.7955% | 1,130 |
| Noninterest income to average assets | 0.8787% | 1,296 |
| Noninterest expense to average assets | 2.9444% | 1,053 |
| Loan and lease loss provision to assets | 0.0207% | 2,578 |
| Net operating income to assets | 1.0802% | 2,627 |
| Return on assets (ROA) | 1.0858% | 2,663 |
| Pretax return on assets | 1.3388% | 2,517 |
| Return on Equity (ROE) | 8.8821% | 3,144 |
| Retained earnings to average equity (ytd only) | 6.6239% | 2,570 |
| Net charge-offs to loans | 0.0043% | 2,187 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 588.0000% | 260 |
| Efficiency ratio | 68.5225% | 1,754 |
| Assets per employee ($millions) | 3.8608% | 4,519 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 4,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.8753% | 3,637 |
| Net loans and leases to deposits | 54.3530% | 3,707 |
| Net loans and leases to core deposits | 54.6624% | 3,873 |
| Total domestic deposits to total assets | 88.0822% | 1,792 |
| Equity capital to assets | 11.6572% | 1,569 |
| Core capital (leverage) ratio | 12.1360% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,961,500 | 4,535 |
| Average earning assets | $52,201,000 | 4,546 |
| Average equity | $7,085,250 | 4,477 |
| Average total loans | $30,797,000 | 4,422 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 788 |
| Cost of funding earning assets | 0.2510% | 3,275 |
| Net interest margin | 4.1964% | 586 |
| Noninterest income to average assets | 0.9984% | 1,075 |
| Noninterest expense to average assets | 2.9599% | 1,051 |
| Loan and lease loss provision to assets | 0.0212% | 2,547 |
| Net operating income to assets | 1.4427% | 1,438 |
| Return on assets (ROA) | 1.4570% | 1,476 |
| Pretax return on assets | 1.8098% | 1,213 |
| Return on Equity (ROE) | 11.7219% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.7351% | 1,489 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0103% | 2,725 |
| Assets per employee ($millions) | 3.9191% | 4,492 |
| Cash dividends to net income (ytd only)* | 16.9492% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.3883% | 3,304 |
| Net loans and leases to deposits | 59.8849% | 3,398 |
| Net loans and leases to core deposits | 60.5418% | 3,579 |
| Total domestic deposits to total assets | 87.4817% | 2,100 |
| Equity capital to assets | 12.2393% | 1,253 |
| Core capital (leverage) ratio | 12.0826% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,691,000 | 4,578 |
| Average earning assets | $50,996,333 | 4,587 |
| Average equity | $7,046,667 | 4,504 |
| Average total loans | $31,142,667 | 4,452 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 568 |
| Cost of funding earning assets | 0.2569% | 3,409 |
| Net interest margin | 4.4470% | 393 |
| Noninterest income to average assets | 1.0495% | 1,057 |
| Noninterest expense to average assets | 3.0767% | 867 |
| Loan and lease loss provision to assets | 0.0216% | 2,498 |
| Net operating income to assets | 1.5527% | 1,210 |
| Return on assets (ROA) | 1.5527% | 1,276 |
| Pretax return on assets | 1.9337% | 1,060 |
| Return on Equity (ROE) | 12.3915% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.6705% | 1,477 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1429% | 2,884 |
| Assets per employee ($millions) | 3.5691% | 4,667 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 4,717 |
| Loan loss allowance to noncurrent loans | 9,050.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,378 |
| Noncurrent loans to loans | 0.0063% | 4,300 |
| Net loans and leases to total assets | 55.3507% | 3,112 |
| Net loans and leases to deposits | 63.3084% | 3,188 |
| Net loans and leases to core deposits | 64.0240% | 3,410 |
| Total domestic deposits to total assets | 87.4302% | 2,125 |
| Equity capital to assets | 12.3352% | 1,137 |
| Core capital (leverage) ratio | 13.1496% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,643,500 | 4,610 |
| Average earning assets | $49,831,500 | 4,621 |
| Average equity | $6,972,500 | 4,527 |
| Average total loans | $31,223,500 | 4,469 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 2,139 |
| Cost of funding earning assets | 0.3947% | 3,612 |
| Net interest margin | 3.8047% | 1,488 |
| Noninterest income to average assets | 0.9185% | 1,221 |
| Noninterest expense to average assets | 3.4068% | 787 |
| Loan and lease loss provision to assets | 0.0241% | 4,097 |
| Net operating income to assets | 0.7612% | 3,237 |
| Return on assets (ROA) | 0.7778% | 3,301 |
| Pretax return on assets | 0.9366% | 3,261 |
| Return on Equity (ROE) | 5.7521% | 3,659 |
| Retained earnings to average equity (ytd only) | 3.9090% | 2,868 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3634% | 1,007 |
| Assets per employee ($millions) | 3.3864% | 4,695 |
| Cash dividends to net income (ytd only)* | 32.0413% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5806% | 4,725 |
| 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 | 56.2548% | 3,273 |
| Net loans and leases to deposits | 64.5858% | 3,393 |
| Net loans and leases to core deposits | 65.0087% | 3,630 |
| Total domestic deposits to total assets | 87.1009% | 1,891 |
| Equity capital to assets | 12.7367% | 1,208 |
| Core capital (leverage) ratio | 12.7770% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,753,600 | 4,654 |
| Average earning assets | $44,838,800 | 4,662 |
| Average equity | $6,728,000 | 4,557 |
| Average total loans | $29,563,600 | 4,524 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 2,089 |
| Cost of funding earning assets | 0.4174% | 3,719 |
| Net interest margin | 3.8869% | 1,379 |
| Noninterest income to average assets | 0.8414% | 1,374 |
| Noninterest expense to average assets | 3.4150% | 784 |
| Loan and lease loss provision to assets | 0.0247% | 4,027 |
| Net operating income to assets | 0.7670% | 3,220 |
| Return on assets (ROA) | 0.7784% | 3,288 |
| Pretax return on assets | 0.9374% | 3,275 |
| Return on Equity (ROE) | 5.6645% | 3,674 |
| Retained earnings to average equity (ytd only) | 3.7896% | 3,145 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2663% | 1,007 |
| Assets per employee ($millions) | 3.3924% | 4,710 |
| Cash dividends to net income (ytd only)* | 33.0986% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 4,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 55.3337% | 3,679 |
| Net loans and leases to deposits | 63.4284% | 3,834 |
| Net loans and leases to core deposits | 63.8410% | 4,015 |
| Total domestic deposits to total assets | 87.2379% | 1,562 |
| Equity capital to assets | 12.5944% | 1,377 |
| Core capital (leverage) ratio | 12.9462% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,646,500 | 4,693 |
| Average earning assets | $44,079,000 | 4,693 |
| Average equity | $6,684,750 | 4,579 |
| Average total loans | $29,290,000 | 4,556 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,891 |
| Cost of funding earning assets | 0.4239% | 3,930 |
| Net interest margin | 4.0839% | 1,151 |
| Noninterest income to average assets | 0.7954% | 1,450 |
| Noninterest expense to average assets | 3.4510% | 791 |
| Loan and lease loss provision to assets | 0.0257% | 3,937 |
| Net operating income to assets | 0.8524% | 2,859 |
| Return on assets (ROA) | 0.8595% | 2,959 |
| Pretax return on assets | 1.0349% | 2,912 |
| Return on Equity (ROE) | 6.0594% | 3,485 |
| Retained earnings to average equity (ytd only) | 4.1300% | 2,850 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6382% | 1,202 |
| Assets per employee ($millions) | 3.4558% | 4,687 |
| Cash dividends to net income (ytd only)* | 31.8408% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 4,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 56.3439% | 3,659 |
| Net loans and leases to deposits | 65.0345% | 3,803 |
| Net loans and leases to core deposits | 65.4777% | 3,992 |
| Total domestic deposits to total assets | 86.6370% | 1,759 |
| Equity capital to assets | 13.0640% | 1,141 |
| Core capital (leverage) ratio | 13.4198% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,769,333 | 4,734 |
| Average earning assets | $42,459,667 | 4,735 |
| Average equity | $6,634,333 | 4,612 |
| Average total loans | $28,983,667 | 4,581 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 1,492 |
| Cost of funding earning assets | 0.4160% | 4,305 |
| Net interest margin | 4.3585% | 684 |
| Noninterest income to average assets | 0.7867% | 1,352 |
| Noninterest expense to average assets | 3.7798% | 640 |
| Loan and lease loss provision to assets | 0.0271% | 3,451 |
| Net operating income to assets | 0.7986% | 2,913 |
| Return on assets (ROA) | 0.7686% | 3,104 |
| Pretax return on assets | 0.9223% | 3,072 |
| Return on Equity (ROE) | 5.1786% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.1072% | 3,038 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3169% | 1,210 |
| Assets per employee ($millions) | 2.9314% | 4,821 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 4,774 |
| Loan loss allowance to noncurrent loans | 79.7170% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 2,556 |
| Noncurrent loans to loans | 0.7385% | 2,156 |
| Net loans and leases to total assets | 64.8996% | 2,953 |
| Net loans and leases to deposits | 76.4739% | 3,030 |
| Net loans and leases to core deposits | 77.0999% | 3,423 |
| Total domestic deposits to total assets | 84.8650% | 2,456 |
| Equity capital to assets | 14.8780% | 783 |
| Core capital (leverage) ratio | 15.0462% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,235,500 | 4,796 |
| Average earning assets | $40,381,000 | 4,785 |
| Average equity | $6,565,500 | 4,654 |
| Average total loans | $28,786,000 | 4,621 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 2,128 |
| Cost of funding earning assets | 0.4319% | 4,334 |
| Net interest margin | 4.3409% | 1,000 |
| Noninterest income to average assets | 0.8219% | 1,381 |
| Noninterest expense to average assets | 3.5194% | 938 |
| Loan and lease loss provision to assets | 0.0262% | 3,487 |
| Net operating income to assets | 1.0335% | 2,721 |
| Return on assets (ROA) | 1.0711% | 2,665 |
| Pretax return on assets | 1.2985% | 2,508 |
| Return on Equity (ROE) | 7.7857% | 3,258 |
| Retained earnings to average equity (ytd only) | 5.7519% | 2,003 |
| Net charge-offs to loans | -0.0361% | 4,752 |
| Credit loss provision to net charge-offs | -120.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3485% | 1,680 |
| Assets per employee ($millions) | 2.9667% | 4,843 |
| Cash dividends to net income (ytd only)* | 26.1224% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 4,787 |
| Loan loss allowance to noncurrent loans | 77.5701% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 2,490 |
| Noncurrent loans to loans | 0.7414% | 2,030 |
| Net loans and leases to total assets | 64.4944% | 3,135 |
| Net loans and leases to deposits | 75.8858% | 3,196 |
| Net loans and leases to core deposits | 76.4987% | 3,542 |
| Total domestic deposits to total assets | 84.9888% | 2,498 |
| Equity capital to assets | 14.8067% | 843 |
| Core capital (leverage) ratio | 14.4328% | 819 |
| Tier 1 risk-based capital ratio | 25.2937% | 730 |
| Total risk-based capital ratio | 25.9310% | 755 |
| Memoranda: | ||
| Average total assets | $45,746,400 | 4,819 |
| Average earning assets | $41,903,400 | 4,816 |
| Average equity | $6,293,600 | 4,719 |
| Average total loans | $27,715,200 | 4,692 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 2,398 |
| Cost of funding earning assets | 0.4141% | 4,449 |
| Net interest margin | 4.2929% | 1,176 |
| Noninterest income to average assets | 0.7845% | 1,470 |
| Noninterest expense to average assets | 3.4535% | 1,005 |
| Loan and lease loss provision to assets | 0.0261% | 3,374 |
| Net operating income to assets | 1.0201% | 2,909 |
| Return on assets (ROA) | 1.0537% | 2,857 |
| Pretax return on assets | 1.2766% | 2,737 |
| Return on Equity (ROE) | 7.8029% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.7879% | 2,465 |
| Net charge-offs to loans | -0.0486% | 4,829 |
| Credit loss provision to net charge-offs | -90.0000% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2351% | 1,667 |
| Assets per employee ($millions) | 3.0947% | 4,840 |
| Cash dividends to net income (ytd only)* | 25.8242% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 4,865 |
| Loan loss allowance to noncurrent loans | 83.5897% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 2,828 |
| Noncurrent loans to loans | 0.6854% | 2,247 |
| Net loans and leases to total assets | 60.9401% | 3,600 |
| Net loans and leases to deposits | 72.8328% | 3,566 |
| Net loans and leases to core deposits | 73.4036% | 3,864 |
| Total domestic deposits to total assets | 83.6712% | 2,944 |
| Equity capital to assets | 13.9958% | 1,153 |
| Core capital (leverage) ratio | 13.7548% | 1,057 |
| Tier 1 risk-based capital ratio | 24.8517% | 774 |
| Total risk-based capital ratio | 25.4754% | 813 |
| Memoranda: | ||
| Average total assets | $46,058,000 | 4,886 |
| Average earning assets | $42,177,250 | 4,881 |
| Average equity | $6,219,750 | 4,797 |
| Average total loans | $27,427,500 | 4,763 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 2,536 |
| Cost of funding earning assets | 0.4003% | 4,507 |
| Net interest margin | 4.2418% | 1,262 |
| Noninterest income to average assets | 0.7314% | 1,592 |
| Noninterest expense to average assets | 3.4134% | 1,083 |
| Loan and lease loss provision to assets | 0.0261% | 3,297 |
| Net operating income to assets | 0.9629% | 3,048 |
| Return on assets (ROA) | 1.0057% | 2,970 |
| Pretax return on assets | 1.2191% | 2,842 |
| Return on Equity (ROE) | 7.5400% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.5816% | 2,481 |
| Net charge-offs to loans | -0.0738% | 4,937 |
| Credit loss provision to net charge-offs | -60.0000% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1021% | 1,631 |
| Assets per employee ($millions) | 3.0560% | 4,876 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 4,913 |
| Loan loss allowance to noncurrent loans | 82.0513% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 2,815 |
| Noncurrent loans to loans | 0.7047% | 2,214 |
| Net loans and leases to total assets | 60.0175% | 3,729 |
| Net loans and leases to deposits | 70.8743% | 3,774 |
| Net loans and leases to core deposits | 74.3347% | 3,872 |
| Total domestic deposits to total assets | 84.6815% | 2,607 |
| Equity capital to assets | 13.9005% | 1,160 |
| Core capital (leverage) ratio | 13.8981% | 998 |
| Tier 1 risk-based capital ratio | 24.6855% | 781 |
| Total risk-based capital ratio | 25.3029% | 822 |
| Memoranda: | ||
| Average total assets | $45,937,000 | 4,930 |
| Average earning assets | $41,963,330 | 4,925 |
| Average equity | $6,127,330 | 4,839 |
| Average total loans | $27,086,000 | 4,807 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,905 |
| Cost of funding earning assets | 0.3814% | 4,567 |
| Net interest margin | 4.1095% | 1,524 |
| Noninterest income to average assets | 0.7220% | 1,539 |
| Noninterest expense to average assets | 3.4881% | 982 |
| Loan and lease loss provision to assets | 0.0261% | 3,087 |
| Net operating income to assets | 0.7932% | 3,645 |
| Return on assets (ROA) | 0.8437% | 3,513 |
| Pretax return on assets | 1.0177% | 3,387 |
| Return on Equity (ROE) | 6.4613% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.4629% | 3,140 |
| Net charge-offs to loans | 0.0299% | 1,857 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 949 |
| Efficiency ratio | 78.0156% | 1,263 |
| Assets per employee ($millions) | 3.1623% | 4,860 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 5,035 |
| Loan loss allowance to noncurrent loans | 81.4607% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 3,088 |
| Noncurrent loans to loans | 0.6616% | 2,362 |
| Net loans and leases to total assets | 56.4173% | 4,036 |
| Net loans and leases to deposits | 66.5316% | 4,012 |
| Net loans and leases to core deposits | 69.6611% | 4,094 |
| Total domestic deposits to total assets | 84.7978% | 2,750 |
| Equity capital to assets | 12.9401% | 1,488 |
| Core capital (leverage) ratio | 14.0579% | 932 |
| Tier 1 risk-based capital ratio | 24.7259% | 779 |
| Total risk-based capital ratio | 25.2957% | 820 |
| Memoranda: | ||
| Average total assets | $45,985,500 | 4,978 |
| Average earning assets | $41,951,500 | 4,973 |
| Average equity | $6,005,000 | 4,893 |
| Average total loans | $26,793,000 | 4,868 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 2,600 |
| Cost of funding earning assets | 0.2315% | 4,886 |
| Net interest margin | 4.2206% | 1,348 |
| Noninterest income to average assets | 0.7553% | 1,620 |
| Noninterest expense to average assets | 3.4487% | 1,074 |
| Loan and lease loss provision to assets | 0.0837% | 2,461 |
| Net operating income to assets | 0.9170% | 3,377 |
| Return on assets (ROA) | 0.9114% | 3,387 |
| Pretax return on assets | 1.0923% | 3,300 |
| Return on Equity (ROE) | 7.0831% | 3,793 |
| Retained earnings to average equity (ytd only) | 5.0794% | 2,723 |
| Net charge-offs to loans | 0.0573% | 2,320 |
| Credit loss provision to net charge-offs | 264.2857% | 1,134 |
| Earnings coverage of net charge-offs (x) | 37.3571% | 1,385 |
| Efficiency ratio | 74.4629% | 1,563 |
| Assets per employee ($millions) | 3.1812% | 4,855 |
| Cash dividends to net income (ytd only)* | 28.2878% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5397% | 5,077 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,902 |
| Noncurrent loans to loans | 0.0075% | 4,788 |
| Net loans and leases to total assets | 59.5819% | 3,813 |
| Net loans and leases to deposits | 68.7034% | 3,925 |
| Net loans and leases to core deposits | 69.2430% | 4,150 |
| Total domestic deposits to total assets | 86.7234% | 1,905 |
| Equity capital to assets | 13.1845% | 1,259 |
| Core capital (leverage) ratio | 13.6672% | 1,019 |
| Tier 1 risk-based capital ratio | 24.6598% | 771 |
| Total risk-based capital ratio | 25.2766% | 807 |
| Memoranda: | ||
| Average total assets | $44,220,000 | 5,047 |
| Average earning assets | $40,610,200 | 5,037 |
| Average equity | $5,689,600 | 4,944 |
| Average total loans | $24,424,400 | 4,960 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 2,751 |
| Cost of funding earning assets | 0.2177% | 4,953 |
| Net interest margin | 4.1468% | 1,503 |
| Noninterest income to average assets | 0.7461% | 1,691 |
| Noninterest expense to average assets | 3.3981% | 1,120 |
| Loan and lease loss provision to assets | 0.0272% | 3,467 |
| Net operating income to assets | 0.9334% | 3,382 |
| Return on assets (ROA) | 0.9334% | 3,388 |
| Pretax return on assets | 1.1176% | 3,326 |
| Return on Equity (ROE) | 7.2996% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.3152% | 3,052 |
| Net charge-offs to loans | 0.0838% | 1,680 |
| Credit loss provision to net charge-offs | 60.0000% | 2,746 |
| Earnings coverage of net charge-offs (x) | 25.2660% | 1,781 |
| Efficiency ratio | 74.8005% | 1,480 |
| Assets per employee ($millions) | 3.0700% | 4,988 |
| Cash dividends to net income (ytd only)* | 27.1851% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4477% | 5,246 |
| Loan loss allowance to noncurrent loans | 5,750.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,011 |
| Noncurrent loans to loans | 0.0078% | 4,899 |
| Net loans and leases to total assets | 55.5331% | 4,253 |
| Net loans and leases to deposits | 63.4062% | 4,364 |
| Net loans and leases to core deposits | 63.8830% | 4,525 |
| Total domestic deposits to total assets | 87.5831% | 1,447 |
| Equity capital to assets | 12.3062% | 1,693 |
| Core capital (leverage) ratio | 13.7342% | 1,016 |
| Tier 1 risk-based capital ratio | 25.0736% | 748 |
| Total risk-based capital ratio | 25.6010% | 788 |
| Memoranda: | ||
| Average total assets | $44,140,750 | 5,107 |
| Average earning assets | $40,415,750 | 5,104 |
| Average equity | $5,644,000 | 5,006 |
| Average total loans | $23,860,500 | 5,032 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 2,737 |
| Cost of funding earning assets | 0.2063% | 5,000 |
| Net interest margin | 4.1007% | 1,558 |
| Noninterest income to average assets | 0.7310% | 1,736 |
| Noninterest expense to average assets | 3.3974% | 1,138 |
| Loan and lease loss provision to assets | 0.0276% | 3,366 |
| Net operating income to assets | 0.8827% | 3,538 |
| Return on assets (ROA) | 0.8827% | 3,539 |
| Pretax return on assets | 1.0528% | 3,505 |
| Return on Equity (ROE) | 6.8129% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.8968% | 3,127 |
| Net charge-offs to loans | 0.0258% | 2,340 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 831 |
| Efficiency ratio | 75.8727% | 1,442 |
| Assets per employee ($millions) | 2.9314% | 5,143 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5090% | 5,248 |
| Loan loss allowance to noncurrent loans | 885.7143% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,869 |
| Noncurrent loans to loans | 0.0575% | 4,660 |
| Net loans and leases to total assets | 55.1181% | 4,234 |
| Net loans and leases to deposits | 63.3406% | 4,328 |
| Net loans and leases to core deposits | 63.8411% | 4,499 |
| Total domestic deposits to total assets | 87.0187% | 1,832 |
| Equity capital to assets | 12.8539% | 1,369 |
| Core capital (leverage) ratio | 13.4892% | 1,066 |
| Tier 1 risk-based capital ratio | 25.8774% | 684 |
| Total risk-based capital ratio | 26.4552% | 702 |
| Memoranda: | ||
| Average total assets | $43,504,330 | 5,174 |
| Average earning assets | $39,749,330 | 5,169 |
| Average equity | $5,636,330 | 5,060 |
| Average total loans | $23,251,330 | 5,112 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 3,004 |
| Cost of funding earning assets | 0.1927% | 5,058 |
| Net interest margin | 3.9750% | 1,799 |
| Noninterest income to average assets | 0.7395% | 1,660 |
| Noninterest expense to average assets | 3.5682% | 905 |
| Loan and lease loss provision to assets | 0.0277% | 3,153 |
| Net operating income to assets | 0.6563% | 4,256 |
| Return on assets (ROA) | 0.6563% | 4,268 |
| Pretax return on assets | 0.7673% | 4,231 |
| Return on Equity (ROE) | 5.0457% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.7716% | 4,077 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7797% | 968 |
| Assets per employee ($millions) | 2.8675% | 5,242 |
| Cash dividends to net income (ytd only)* | 45.0704% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5417% | 5,273 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 5,056 |
| Noncurrent loans to loans | 0.0262% | 4,863 |
| Net loans and leases to total assets | 52.9328% | 4,376 |
| Net loans and leases to deposits | 60.9536% | 4,406 |
| Net loans and leases to core deposits | 61.4471% | 4,589 |
| Total domestic deposits to total assets | 86.8412% | 2,186 |
| Equity capital to assets | 12.9356% | 1,280 |
| Core capital (leverage) ratio | 14.0345% | 867 |
| Tier 1 risk-based capital ratio | 27.2411% | 603 |
| Total risk-based capital ratio | 27.8091% | 633 |
| Memoranda: | ||
| Average total assets | $43,271,000 | 5,236 |
| Average earning assets | $39,446,500 | 5,229 |
| Average equity | $5,628,500 | 5,115 |
| Average total loans | $22,697,000 | 5,187 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 2,712 |
| Cost of funding earning assets | 0.2152% | 4,824 |
| Net interest margin | 3.9765% | 1,823 |
| Noninterest income to average assets | 0.7892% | 1,607 |
| Noninterest expense to average assets | 3.2857% | 1,407 |
| Loan and lease loss provision to assets | 0.0736% | 2,737 |
| Net operating income to assets | 0.8218% | 3,071 |
| Return on assets (ROA) | 0.8490% | 2,982 |
| Pretax return on assets | 1.0791% | 3,267 |
| Return on Equity (ROE) | 6.5886% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.7316% | 2,299 |
| Net charge-offs to loans | 0.1238% | 1,812 |
| Credit loss provision to net charge-offs | 123.0769% | 2,126 |
| Earnings coverage of net charge-offs (x) | 18.6923% | 2,066 |
| Efficiency ratio | 74.6082% | 1,806 |
| Assets per employee ($millions) | 3.1092% | 5,117 |
| Cash dividends to net income (ytd only)* | 28.1843% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5377% | 5,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 51.4163% | 4,560 |
| Net loans and leases to deposits | 59.3346% | 4,608 |
| Net loans and leases to core deposits | 59.3346% | 4,786 |
| Total domestic deposits to total assets | 86.6549% | 2,172 |
| Equity capital to assets | 13.0786% | 1,224 |
| Core capital (leverage) ratio | 13.2467% | 1,059 |
| Tier 1 risk-based capital ratio | 27.3243% | 578 |
| Total risk-based capital ratio | 27.8874% | 605 |
| Memoranda: | ||
| Average total assets | $43,461,400 | 5,284 |
| Average earning assets | $39,507,000 | 5,284 |
| Average equity | $5,600,600 | 5,165 |
| Average total loans | $21,007,800 | 5,285 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 2,736 |
| Cost of funding earning assets | 0.2028% | 4,959 |
| Net interest margin | 3.9615% | 1,829 |
| Noninterest income to average assets | 0.8010% | 1,579 |
| Noninterest expense to average assets | 3.2654% | 1,420 |
| Loan and lease loss provision to assets | 0.0276% | 3,579 |
| Net operating income to assets | 0.8309% | 3,384 |
| Return on assets (ROA) | 0.8654% | 3,249 |
| Pretax return on assets | 1.1509% | 3,111 |
| Return on Equity (ROE) | 6.7412% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.8289% | 2,998 |
| Net charge-offs to loans | 0.1680% | 1,236 |
| Credit loss provision to net charge-offs | 34.6154% | 3,045 |
| Earnings coverage of net charge-offs (x) | 14.1907% | 2,308 |
| Efficiency ratio | 74.2498% | 1,859 |
| Assets per employee ($millions) | 3.2459% | 5,017 |
| Cash dividends to net income (ytd only)* | 28.3678% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4484% | 5,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 47.8830% | 4,834 |
| Net loans and leases to deposits | 55.0234% | 4,919 |
| Net loans and leases to core deposits | 55.0234% | 5,038 |
| Total domestic deposits to total assets | 87.0230% | 1,865 |
| Equity capital to assets | 12.6183% | 1,596 |
| Core capital (leverage) ratio | 13.2206% | 1,124 |
| Tier 1 risk-based capital ratio | 26.7770% | 633 |
| Total risk-based capital ratio | 27.2287% | 666 |
| Memoranda: | ||
| Average total assets | $43,444,500 | 5,342 |
| Average earning assets | $39,445,000 | 5,343 |
| Average equity | $5,577,500 | 5,229 |
| Average total loans | $20,634,250 | 5,354 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 2,531 |
| Cost of funding earning assets | 0.2017% | 4,962 |
| Net interest margin | 3.9832% | 1,663 |
| Noninterest income to average assets | 0.7854% | 1,623 |
| Noninterest expense to average assets | 3.3054% | 1,365 |
| Loan and lease loss provision to assets | 0.0281% | 3,438 |
| Net operating income to assets | 0.8329% | 3,232 |
| Return on assets (ROA) | 0.8883% | 3,031 |
| Pretax return on assets | 1.1221% | 3,082 |
| Return on Equity (ROE) | 6.8774% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.9228% | 2,763 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3731% | 1,813 |
| Assets per employee ($millions) | 3.3798% | 4,891 |
| Cash dividends to net income (ytd only)* | 28.4211% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5878% | 5,399 |
| Loan loss allowance to noncurrent loans | 465.3846% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 4,966 |
| Noncurrent loans to loans | 0.1263% | 4,616 |
| Net loans and leases to total assets | 46.5724% | 4,912 |
| Net loans and leases to deposits | 53.7298% | 4,974 |
| Net loans and leases to core deposits | 53.7298% | 5,099 |
| Total domestic deposits to total assets | 86.6790% | 2,097 |
| Equity capital to assets | 12.9705% | 1,388 |
| Core capital (leverage) ratio | 13.2090% | 1,099 |
| Tier 1 risk-based capital ratio | 27.6199% | 573 |
| Total risk-based capital ratio | 28.2018% | 599 |
| Memoranda: | ||
| Average total assets | $42,778,670 | 5,394 |
| Average earning assets | $38,662,000 | 5,399 |
| Average equity | $5,525,330 | 5,268 |
| Average total loans | $20,226,670 | 5,402 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,368 |
| Cost of funding earning assets | 0.1892% | 5,073 |
| Net interest margin | 3.9844% | 1,510 |
| Noninterest income to average assets | 0.6920% | 2,007 |
| Noninterest expense to average assets | 3.4503% | 1,116 |
| Loan and lease loss provision to assets | 0.0284% | 3,197 |
| Net operating income to assets | 0.7090% | 3,667 |
| Return on assets (ROA) | 0.8341% | 3,118 |
| Pretax return on assets | 0.9479% | 3,596 |
| Return on Equity (ROE) | 6.4724% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.1188% | 3,400 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5310% | 1,316 |
| Assets per employee ($millions) | 3.1872% | 5,178 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5860% | 5,503 |
| Loan loss allowance to noncurrent loans | 437.0370% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,014 |
| Noncurrent loans to loans | 0.1341% | 4,653 |
| Net loans and leases to total assets | 48.3141% | 4,799 |
| Net loans and leases to deposits | 55.9365% | 4,819 |
| Net loans and leases to core deposits | 55.9365% | 4,978 |
| Total domestic deposits to total assets | 86.3732% | 2,503 |
| Equity capital to assets | 13.2600% | 1,160 |
| Core capital (leverage) ratio | 13.8129% | 889 |
| Tier 1 risk-based capital ratio | 28.3917% | 534 |
| Total risk-based capital ratio | 28.9833% | 566 |
| Memoranda: | ||
| Average total assets | $42,199,000 | 5,464 |
| Average earning assets | $38,048,500 | 5,463 |
| Average equity | $5,438,500 | 5,331 |
| Average total loans | $20,048,000 | 5,463 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 2,884 |
| Cost of funding earning assets | 0.2222% | 4,814 |
| Net interest margin | 3.8702% | 2,065 |
| Noninterest income to average assets | 0.7488% | 1,959 |
| Noninterest expense to average assets | 3.3228% | 1,531 |
| Loan and lease loss provision to assets | 0.0281% | 3,795 |
| Net operating income to assets | 0.7105% | 3,738 |
| Return on assets (ROA) | 0.7160% | 3,828 |
| Pretax return on assets | 0.9103% | 3,811 |
| Return on Equity (ROE) | 5.5679% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.1850% | 2,932 |
| Net charge-offs to loans | 0.0205% | 3,642 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 599 |
| Efficiency ratio | 78.1078% | 1,679 |
| Assets per employee ($millions) | 3.0689% | 5,295 |
| Cash dividends to net income (ytd only)* | 24.8366% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 5,572 |
| Loan loss allowance to noncurrent loans | 442.3077% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,094 |
| Noncurrent loans to loans | 0.1303% | 4,713 |
| Net loans and leases to total assets | 46.1888% | 5,006 |
| Net loans and leases to deposits | 53.1724% | 5,052 |
| Net loans and leases to core deposits | 53.1724% | 5,173 |
| Total domestic deposits to total assets | 86.8661% | 2,214 |
| Equity capital to assets | 12.5288% | 1,509 |
| Core capital (leverage) ratio | 13.1755% | 1,069 |
| Tier 1 risk-based capital ratio | 27.9408% | 571 |
| Total risk-based capital ratio | 28.5138% | 591 |
| Memoranda: | ||
| Average total assets | $42,734,800 | 5,491 |
| Average earning assets | $38,706,400 | 5,494 |
| Average equity | $5,495,800 | 5,372 |
| Average total loans | $19,471,800 | 5,536 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,919 |
| Cost of funding earning assets | 0.2133% | 4,944 |
| Net interest margin | 3.8746% | 2,069 |
| Noninterest income to average assets | 0.7186% | 2,088 |
| Noninterest expense to average assets | 3.3178% | 1,523 |
| Loan and lease loss provision to assets | 0.0281% | 3,676 |
| Net operating income to assets | 0.7167% | 3,756 |
| Return on assets (ROA) | 0.7217% | 3,868 |
| Pretax return on assets | 0.8966% | 3,987 |
| Return on Equity (ROE) | 5.5755% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.2721% | 3,282 |
| Net charge-offs to loans | 0.0207% | 3,285 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 97.9975% | 671 |
| Efficiency ratio | 78.3186% | 1,645 |
| Assets per employee ($millions) | 3.0757% | 5,310 |
| Cash dividends to net income (ytd only)* | 23.3774% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 5,634 |
| Loan loss allowance to noncurrent loans | 418.5185% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 5,194 |
| Noncurrent loans to loans | 0.1389% | 4,787 |
| Net loans and leases to total assets | 44.8955% | 5,150 |
| Net loans and leases to deposits | 52.1120% | 5,197 |
| Net loans and leases to core deposits | 52.1120% | 5,312 |
| Total domestic deposits to total assets | 86.1519% | 2,280 |
| Equity capital to assets | 13.1584% | 1,410 |
| Core capital (leverage) ratio | 13.2300% | 1,099 |
| Tier 1 risk-based capital ratio | 28.1808% | 572 |
| Total risk-based capital ratio | 28.7541% | 596 |
| Memoranda: | ||
| Average total assets | $42,677,250 | 5,551 |
| Average earning assets | $38,747,500 | 5,545 |
| Average equity | $5,524,000 | 5,418 |
| Average total loans | $19,349,750 | 5,594 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,150 |
| Cost of funding earning assets | 0.2180% | 4,963 |
| Net interest margin | 3.8097% | 2,276 |
| Noninterest income to average assets | 0.7004% | 2,142 |
| Noninterest expense to average assets | 3.3467% | 1,493 |
| Loan and lease loss provision to assets | 0.0282% | 3,560 |
| Net operating income to assets | 0.6734% | 3,946 |
| Return on assets (ROA) | 0.6816% | 4,033 |
| Pretax return on assets | 0.7850% | 4,337 |
| Return on Equity (ROE) | 5.2952% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.1266% | 3,278 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6342% | 1,421 |
| Assets per employee ($millions) | 3.0311% | 5,388 |
| Cash dividends to net income (ytd only)* | 22.0690% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5755% | 5,711 |
| Loan loss allowance to noncurrent loans | 132.9412% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 4,686 |
| Noncurrent loans to loans | 0.4329% | 3,812 |
| Net loans and leases to total assets | 46.0057% | 5,125 |
| Net loans and leases to deposits | 53.3415% | 5,170 |
| Net loans and leases to core deposits | 53.3415% | 5,307 |
| Total domestic deposits to total assets | 86.2475% | 2,298 |
| Equity capital to assets | 13.1586% | 1,414 |
| Core capital (leverage) ratio | 12.7497% | 1,255 |
| Tier 1 risk-based capital ratio | 27.7525% | 610 |
| Total risk-based capital ratio | 28.3237% | 627 |
| Memoranda: | ||
| Average total assets | $42,549,670 | 5,616 |
| Average earning assets | $38,533,330 | 5,614 |
| Average equity | $5,476,670 | 5,480 |
| Average total loans | $19,318,000 | 5,658 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 3,373 |
| Cost of funding earning assets | 0.2072% | 5,135 |
| Net interest margin | 3.7497% | 2,481 |
| Noninterest income to average assets | 0.6196% | 2,418 |
| Noninterest expense to average assets | 3.3985% | 1,381 |
| Loan and lease loss provision to assets | 0.0282% | 3,286 |
| Net operating income to assets | 0.5545% | 4,394 |
| Return on assets (ROA) | 0.5633% | 4,456 |
| Pretax return on assets | 0.6008% | 4,819 |
| Return on Equity (ROE) | 4.4256% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.2454% | 3,873 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5794% | 1,103 |
| Assets per employee ($millions) | 3.1046% | 5,394 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 5,775 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 4,023 |
| Noncurrent loans to loans | 0.6947% | 3,110 |
| Net loans and leases to total assets | 43.4613% | 5,276 |
| Net loans and leases to deposits | 50.0663% | 5,334 |
| Net loans and leases to core deposits | 50.0663% | 5,438 |
| Total domestic deposits to total assets | 86.8075% | 2,296 |
| Equity capital to assets | 12.6104% | 1,614 |
| Core capital (leverage) ratio | 13.2822% | 1,060 |
| Tier 1 risk-based capital ratio | 27.4815% | 642 |
| Total risk-based capital ratio | 28.0391% | 674 |
| Memoranda: | ||
| Average total assets | $42,606,500 | 5,667 |
| Average earning assets | $38,616,500 | 5,667 |
| Average equity | $5,423,000 | 5,522 |
| Average total loans | $19,159,000 | 5,714 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,951 |
| Cost of funding earning assets | 0.2487% | 4,798 |
| Net interest margin | 3.8438% | 2,220 |
| Noninterest income to average assets | 0.7139% | 2,135 |
| Noninterest expense to average assets | 3.2757% | 1,774 |
| Loan and lease loss provision to assets | 0.0275% | 3,829 |
| Net operating income to assets | 0.7185% | 3,716 |
| Return on assets (ROA) | 0.7185% | 3,826 |
| Pretax return on assets | 0.9228% | 3,759 |
| Return on Equity (ROE) | 6.0225% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.4062% | 2,842 |
| Net charge-offs to loans | 0.2379% | 1,254 |
| Credit loss provision to net charge-offs | 25.5319% | 3,701 |
| Earnings coverage of net charge-offs (x) | 8.8085% | 2,894 |
| Efficiency ratio | 77.5122% | 2,049 |
| Assets per employee ($millions) | 2.9821% | 5,534 |
| Cash dividends to net income (ytd only)* | 26.8371% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 5,868 |
| Loan loss allowance to noncurrent loans | 120.2247% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 4,300 |
| Noncurrent loans to loans | 0.4607% | 3,822 |
| Net loans and leases to total assets | 46.0155% | 5,162 |
| Net loans and leases to deposits | 53.1586% | 5,208 |
| Net loans and leases to core deposits | 53.1586% | 5,363 |
| Total domestic deposits to total assets | 86.5626% | 2,346 |
| Equity capital to assets | 12.8506% | 1,435 |
| Core capital (leverage) ratio | 12.6651% | 1,277 |
| Tier 1 risk-based capital ratio | 27.3787% | 636 |
| Total risk-based capital ratio | 27.9234% | 672 |
| Memoranda: | ||
| Average total assets | $43,563,200 | 5,692 |
| Average earning assets | $39,804,200 | 5,685 |
| Average equity | $5,197,200 | 5,610 |
| Average total loans | $19,756,800 | 5,727 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,990 |
| Cost of funding earning assets | 0.2386% | 5,005 |
| Net interest margin | 3.8508% | 2,182 |
| Noninterest income to average assets | 0.7149% | 2,168 |
| Noninterest expense to average assets | 3.1533% | 2,075 |
| Loan and lease loss provision to assets | 0.0273% | 3,713 |
| Net operating income to assets | 0.8118% | 3,378 |
| Return on assets (ROA) | 0.8118% | 3,468 |
| Pretax return on assets | 1.0541% | 3,394 |
| Return on Equity (ROE) | 6.9312% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.3796% | 2,656 |
| Net charge-offs to loans | 0.2752% | 969 |
| Credit loss provision to net charge-offs | 21.9512% | 3,350 |
| Earnings coverage of net charge-offs (x) | 8.7066% | 2,777 |
| Efficiency ratio | 74.4635% | 2,480 |
| Assets per employee ($millions) | 3.1081% | 5,417 |
| Cash dividends to net income (ytd only)* | 22.3889% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5492% | 5,968 |
| Loan loss allowance to noncurrent loans | 82.7068% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 4,548 |
| Noncurrent loans to loans | 0.6641% | 3,340 |
| Net loans and leases to total assets | 45.7738% | 5,245 |
| Net loans and leases to deposits | 52.4489% | 5,346 |
| Net loans and leases to core deposits | 52.4489% | 5,482 |
| Total domestic deposits to total assets | 87.2731% | 1,908 |
| Equity capital to assets | 12.2099% | 1,950 |
| Core capital (leverage) ratio | 12.0994% | 1,619 |
| Tier 1 risk-based capital ratio | 25.7982% | 790 |
| Total risk-based capital ratio | 26.3280% | 840 |
| Memoranda: | ||
| Average total assets | $44,016,750 | 5,759 |
| Average earning assets | $40,232,750 | 5,744 |
| Average equity | $5,155,250 | 5,687 |
| Average total loans | $19,866,500 | 5,799 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0590% | 3,048 |
| Cost of funding earning assets | 0.2420% | 5,033 |
| Net interest margin | 3.8171% | 2,248 |
| Noninterest income to average assets | 0.6971% | 2,226 |
| Noninterest expense to average assets | 3.2093% | 1,960 |
| Loan and lease loss provision to assets | 0.0272% | 3,591 |
| Net operating income to assets | 0.7740% | 3,515 |
| Return on assets (ROA) | 0.7740% | 3,623 |
| Pretax return on assets | 0.9596% | 3,739 |
| Return on Equity (ROE) | 6.7024% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.0562% | 2,827 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4833% | 2,283 |
| Assets per employee ($millions) | 3.0899% | 5,485 |
| Cash dividends to net income (ytd only)* | 24.5614% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 5,745 |
| Loan loss allowance to noncurrent loans | 127.5862% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,791 |
| Noncurrent loans to loans | 0.5753% | 3,726 |
| Net loans and leases to total assets | 46.2666% | 5,225 |
| Net loans and leases to deposits | 54.1314% | 5,246 |
| Net loans and leases to core deposits | 54.1314% | 5,411 |
| Total domestic deposits to total assets | 85.4709% | 2,935 |
| Equity capital to assets | 11.7019% | 2,246 |
| Core capital (leverage) ratio | 12.0461% | 1,631 |
| Tier 1 risk-based capital ratio | 25.3117% | 831 |
| Total risk-based capital ratio | 26.0215% | 874 |
| Memoranda: | ||
| Average total assets | $44,184,330 | 5,814 |
| Average earning assets | $40,502,330 | 5,796 |
| Average equity | $5,102,670 | 5,758 |
| Average total loans | $19,812,670 | 5,859 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 3,337 |
| Cost of funding earning assets | 0.2341% | 5,174 |
| Net interest margin | 3.7360% | 2,488 |
| Noninterest income to average assets | 0.6630% | 2,346 |
| Noninterest expense to average assets | 3.0730% | 2,352 |
| Loan and lease loss provision to assets | 0.0269% | 3,348 |
| Net operating income to assets | 0.8690% | 2,907 |
| Return on assets (ROA) | 0.8690% | 3,025 |
| Pretax return on assets | 0.9945% | 3,533 |
| Return on Equity (ROE) | 7.5737% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.1683% | 2,393 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0547% | 2,649 |
| Assets per employee ($millions) | 3.0187% | 5,636 |
| Cash dividends to net income (ytd only)* | 18.5567% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 5,845 |
| Loan loss allowance to noncurrent loans | 79.6703% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 4,419 |
| Noncurrent loans to loans | 0.9189% | 2,945 |
| Net loans and leases to total assets | 43.4200% | 5,391 |
| Net loans and leases to deposits | 49.3759% | 5,498 |
| Net loans and leases to core deposits | 49.3759% | 5,618 |
| Total domestic deposits to total assets | 87.9375% | 1,868 |
| Equity capital to assets | 11.5832% | 2,390 |
| Core capital (leverage) ratio | 11.8164% | 1,766 |
| Tier 1 risk-based capital ratio | 24.3706% | 954 |
| Total risk-based capital ratio | 25.0466% | 1,002 |
| Memoranda: | ||
| Average total assets | $44,647,500 | 5,853 |
| Average earning assets | $41,006,000 | 5,838 |
| Average equity | $5,123,000 | 5,804 |
| Average total loans | $19,638,000 | 5,911 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,363 |
| Cost of funding earning assets | 0.3191% | 4,591 |
| Net interest margin | 3.7709% | 2,730 |
| Noninterest income to average assets | 0.7172% | 2,227 |
| Noninterest expense to average assets | 3.1707% | 2,289 |
| Loan and lease loss provision to assets | 0.0266% | 4,073 |
| Net operating income to assets | 0.7305% | 3,734 |
| Return on assets (ROA) | 0.7305% | 3,846 |
| Pretax return on assets | 0.9570% | 3,656 |
| Return on Equity (ROE) | 7.2917% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.8732% | 2,003 |
| Net charge-offs to loans | 0.2683% | 1,612 |
| Credit loss provision to net charge-offs | 22.6415% | 3,942 |
| Earnings coverage of net charge-offs (x) | 8.3585% | 2,892 |
| Efficiency ratio | 76.3228% | 2,462 |
| Assets per employee ($millions) | 2.9343% | 5,782 |
| Cash dividends to net income (ytd only)* | 19.4529% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 5,928 |
| Loan loss allowance to noncurrent loans | 82.5581% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 4,518 |
| Noncurrent loans to loans | 0.8834% | 3,110 |
| Net loans and leases to total assets | 43.9133% | 5,472 |
| Net loans and leases to deposits | 51.1905% | 5,525 |
| Net loans and leases to core deposits | 52.5846% | 5,588 |
| Total domestic deposits to total assets | 85.7841% | 2,954 |
| Equity capital to assets | 11.3623% | 2,547 |
| Core capital (leverage) ratio | 11.5240% | 1,958 |
| Tier 1 risk-based capital ratio | 24.8168% | 852 |
| Total risk-based capital ratio | 25.5013% | 903 |
| Memoranda: | ||
| Average total assets | $45,036,800 | 5,907 |
| Average earning assets | $41,051,400 | 5,894 |
| Average equity | $4,512,000 | 5,983 |
| Average total loans | $19,754,600 | 5,970 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 3,517 |
| Cost of funding earning assets | 0.3232% | 4,638 |
| Net interest margin | 3.7391% | 2,860 |
| Noninterest income to average assets | 0.6682% | 2,480 |
| Noninterest expense to average assets | 3.0615% | 2,591 |
| Loan and lease loss provision to assets | 0.0265% | 3,874 |
| Net operating income to assets | 0.7565% | 3,637 |
| Return on assets (ROA) | 0.7565% | 3,730 |
| Pretax return on assets | 0.9862% | 3,648 |
| Return on Equity (ROE) | 7.8059% | 3,310 |
| Retained earnings to average equity (ytd only) | 6.5910% | 2,045 |
| Net charge-offs to loans | 0.3363% | 1,193 |
| Credit loss provision to net charge-offs | 18.0000% | 3,604 |
| Earnings coverage of net charge-offs (x) | 6.8796% | 3,006 |
| Efficiency ratio | 75.1445% | 2,642 |
| Assets per employee ($millions) | 2.9915% | 5,727 |
| Cash dividends to net income (ytd only)* | 15.5635% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 6,069 |
| Loan loss allowance to noncurrent loans | 105.9701% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 5,069 |
| Noncurrent loans to loans | 0.6760% | 3,919 |
| Net loans and leases to total assets | 43.8593% | 5,529 |
| Net loans and leases to deposits | 49.3097% | 5,685 |
| Net loans and leases to core deposits | 52.6061% | 5,650 |
| Total domestic deposits to total assets | 88.9466% | 1,267 |
| Equity capital to assets | 10.5921% | 3,438 |
| Core capital (leverage) ratio | 11.2026% | 2,307 |
| Tier 1 risk-based capital ratio | 24.9182% | 890 |
| Total risk-based capital ratio | 25.6120% | 927 |
| Memoranda: | ||
| Average total assets | $45,292,500 | 5,966 |
| Average earning assets | $41,256,750 | 5,961 |
| Average equity | $4,389,750 | 6,073 |
| Average total loans | $19,825,750 | 6,036 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 3,563 |
| Cost of funding earning assets | 0.3347% | 4,589 |
| Net interest margin | 3.7113% | 2,913 |
| Noninterest income to average assets | 0.6295% | 2,656 |
| Noninterest expense to average assets | 3.1167% | 2,431 |
| Loan and lease loss provision to assets | 0.0264% | 3,749 |
| Net operating income to assets | 0.6999% | 3,840 |
| Return on assets (ROA) | 0.6999% | 3,927 |
| Pretax return on assets | 0.8540% | 4,062 |
| Return on Equity (ROE) | 7.4496% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.4189% | 2,080 |
| Net charge-offs to loans | 0.0101% | 4,059 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 327 |
| Efficiency ratio | 77.9736% | 2,294 |
| Assets per employee ($millions) | 3.0266% | 5,722 |
| Cash dividends to net income (ytd only)* | 13.8365% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 5,590 |
| Loan loss allowance to noncurrent loans | 87.8505% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 4,585 |
| Noncurrent loans to loans | 1.0733% | 3,082 |
| Net loans and leases to total assets | 43.5032% | 5,567 |
| Net loans and leases to deposits | 48.5927% | 5,733 |
| Net loans and leases to core deposits | 48.5927% | 5,872 |
| Total domestic deposits to total assets | 89.5262% | 1,073 |
| Equity capital to assets | 10.0795% | 3,999 |
| Core capital (leverage) ratio | 10.8321% | 2,595 |
| Tier 1 risk-based capital ratio | 24.4987% | 931 |
| Total risk-based capital ratio | 25.4160% | 943 |
| Memoranda: | ||
| Average total assets | $45,432,330 | 6,020 |
| Average earning assets | $41,225,670 | 6,018 |
| Average equity | $4,268,670 | 6,147 |
| Average total loans | $19,826,670 | 6,084 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,686 |
| Cost of funding earning assets | 0.3397% | 4,646 |
| Net interest margin | 3.6586% | 3,027 |
| Noninterest income to average assets | 0.6425% | 2,502 |
| Noninterest expense to average assets | 3.0716% | 2,618 |
| Loan and lease loss provision to assets | 0.0264% | 3,490 |
| Net operating income to assets | 0.7657% | 3,331 |
| Return on assets (ROA) | 0.7657% | 3,415 |
| Pretax return on assets | 0.8625% | 3,851 |
| Return on Equity (ROE) | 8.4569% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.4569% | 1,432 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5556% | 2,543 |
| Assets per employee ($millions) | 3.0473% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 5,711 |
| Loan loss allowance to noncurrent loans | 88.9952% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 4,416 |
| Noncurrent loans to loans | 1.0649% | 3,295 |
| Net loans and leases to total assets | 42.5321% | 5,625 |
| Net loans and leases to deposits | 47.1126% | 5,782 |
| Net loans and leases to core deposits | 47.1126% | 5,927 |
| Total domestic deposits to total assets | 90.2776% | 923 |
| Equity capital to assets | 9.3964% | 4,636 |
| Core capital (leverage) ratio | 10.9341% | 2,457 |
| Tier 1 risk-based capital ratio | 24.1286% | 984 |
| Total risk-based capital ratio | 25.0316% | 1,018 |
| Memoranda: | ||
| Average total assets | $45,449,000 | 6,080 |
| Average earning assets | $41,218,500 | 6,079 |
| Average equity | $4,115,000 | 6,218 |
| Average total loans | $19,771,000 | 6,141 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 4,165 |
| Cost of funding earning assets | 0.4668% | 3,944 |
| Net interest margin | 3.5099% | 3,851 |
| Noninterest income to average assets | 0.5852% | 3,179 |
| Noninterest expense to average assets | 3.1364% | 2,627 |
| Loan and lease loss provision to assets | 0.0250% | 4,628 |
| Net operating income to assets | 0.5144% | 4,671 |
| Return on assets (ROA) | 0.5144% | 4,801 |
| Pretax return on assets | 0.6185% | 4,809 |
| Return on Equity (ROE) | 5.7638% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.7638% | 2,125 |
| Net charge-offs to loans | 0.0723% | 4,196 |
| Credit loss provision to net charge-offs | 80.0000% | 3,044 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,541 |
| Efficiency ratio | 82.9752% | 1,751 |
| Assets per employee ($millions) | 3.2278% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 5,864 |
| Loan loss allowance to noncurrent loans | 212.7907% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 5,325 |
| Noncurrent loans to loans | 0.4318% | 4,914 |
| Net loans and leases to total assets | 43.6655% | 5,703 |
| Net loans and leases to deposits | 48.0378% | 5,896 |
| Net loans and leases to core deposits | 48.6321% | 5,998 |
| Total domestic deposits to total assets | 90.8982% | 612 |
| Equity capital to assets | 8.7079% | 5,356 |
| Core capital (leverage) ratio | 10.5070% | 2,910 |
| Tier 1 risk-based capital ratio | 23.5689% | 1,010 |
| Total risk-based capital ratio | 24.4522% | 1,045 |
| Memoranda: | ||
| Average total assets | $48,017,000 | 6,069 |
| Average earning assets | $43,705,000 | 6,058 |
| Average equity | $4,285,400 | 6,267 |
| Average total loans | $20,754,800 | 6,159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,482 |
| Cost of funding earning assets | 0.4807% | 3,958 |
| Net interest margin | 3.4250% | 4,187 |
| Noninterest income to average assets | 0.6184% | 3,045 |
| Noninterest expense to average assets | 3.0456% | 2,834 |
| Loan and lease loss provision to assets | 0.0246% | 4,518 |
| Net operating income to assets | 0.5528% | 4,575 |
| Return on assets (ROA) | 0.5528% | 4,720 |
| Pretax return on assets | 0.6677% | 4,798 |
| Return on Equity (ROE) | 6.1589% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.1589% | 2,311 |
| Net charge-offs to loans | 0.0954% | 3,608 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 16.8660% | 1,771 |
| Efficiency ratio | 81.4788% | 1,903 |
| Assets per employee ($millions) | 3.7171% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 6,139 |
| Loan loss allowance to noncurrent loans | 174.7573% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 5,252 |
| Noncurrent loans to loans | 0.4961% | 4,955 |
| Net loans and leases to total assets | 42.5914% | 5,851 |
| Net loans and leases to deposits | 46.6097% | 6,059 |
| Net loans and leases to core deposits | 49.2793% | 6,052 |
| Total domestic deposits to total assets | 91.3787% | 397 |
| Equity capital to assets | 8.2902% | 5,925 |
| Core capital (leverage) ratio | 9.9901% | 3,693 |
| Tier 1 risk-based capital ratio | 22.3712% | 1,251 |
| Total risk-based capital ratio | 23.2036% | 1,312 |
| Memoranda: | ||
| Average total assets | $48,724,000 | 6,115 |
| Average earning assets | $44,377,750 | 6,111 |
| Average equity | $4,373,000 | 6,319 |
| Average total loans | $20,964,750 | 6,219 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 4,652 |
| Cost of funding earning assets | 0.5038% | 3,861 |
| Net interest margin | 3.3469% | 4,390 |
| Noninterest income to average assets | 0.5485% | 3,512 |
| Noninterest expense to average assets | 3.1029% | 2,651 |
| Loan and lease loss provision to assets | 0.0246% | 4,427 |
| Net operating income to assets | 0.4298% | 5,111 |
| Return on assets (ROA) | 0.4298% | 5,264 |
| Pretax return on assets | 0.4667% | 5,474 |
| Return on Equity (ROE) | 4.6715% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.6715% | 3,282 |
| Net charge-offs to loans | 0.1046% | 3,310 |
| Credit loss provision to net charge-offs | 54.5455% | 3,129 |
| Earnings coverage of net charge-offs (x) | 10.9091% | 2,109 |
| Efficiency ratio | 86.3326% | 1,385 |
| Assets per employee ($millions) | 3.4381% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 6,204 |
| Loan loss allowance to noncurrent loans | 188.5417% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 5,071 |
| Noncurrent loans to loans | 0.4647% | 5,096 |
| Net loans and leases to total assets | 42.5417% | 5,862 |
| Net loans and leases to deposits | 46.6468% | 6,068 |
| Net loans and leases to core deposits | 51.1823% | 5,946 |
| Total domestic deposits to total assets | 91.1996% | 477 |
| Equity capital to assets | 8.5075% | 5,757 |
| Core capital (leverage) ratio | 9.4452% | 4,330 |
| Tier 1 risk-based capital ratio | 21.9389% | 1,296 |
| Total risk-based capital ratio | 22.7765% | 1,354 |
| Memoranda: | ||
| Average total assets | $48,858,000 | 6,153 |
| Average earning assets | $44,459,670 | 6,152 |
| Average equity | $4,495,330 | 6,333 |
| Average total loans | $21,032,670 | 6,252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 4,982 |
| Cost of funding earning assets | 0.5093% | 3,983 |
| Net interest margin | 3.2438% | 4,748 |
| Noninterest income to average assets | 0.4470% | 4,135 |
| Noninterest expense to average assets | 3.0150% | 2,941 |
| Loan and lease loss provision to assets | 0.0244% | 4,165 |
| Net operating income to assets | 0.3332% | 5,431 |
| Return on assets (ROA) | 0.3332% | 5,568 |
| Pretax return on assets | 0.3576% | 5,694 |
| Return on Equity (ROE) | 3.4927% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.4927% | 4,152 |
| Net charge-offs to loans | 0.2074% | 2,174 |
| Credit loss provision to net charge-offs | 27.2727% | 2,928 |
| Earnings coverage of net charge-offs (x) | 4.2727% | 2,590 |
| Efficiency ratio | 88.7560% | 1,250 |
| Assets per employee ($millions) | 3.5880% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,356 |
| Loan loss allowance to noncurrent loans | 81.6514% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 4,641 |
| Noncurrent loans to loans | 1.0477% | 4,048 |
| Net loans and leases to total assets | 41.0694% | 5,915 |
| Net loans and leases to deposits | 45.4475% | 6,090 |
| Net loans and leases to core deposits | 47.6048% | 6,115 |
| Total domestic deposits to total assets | 90.3667% | 838 |
| Equity capital to assets | 9.3247% | 5,100 |
| Core capital (leverage) ratio | 9.3104% | 4,384 |
| Tier 1 risk-based capital ratio | 22.4295% | 1,256 |
| Total risk-based capital ratio | 23.2831% | 1,295 |
| Memoranda: | ||
| Average total assets | $49,220,000 | 6,202 |
| Average earning assets | $44,763,000 | 6,196 |
| Average equity | $4,695,500 | 6,337 |
| Average total loans | $21,220,000 | 6,302 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 4,307 |
| Cost of funding earning assets | 0.6949% | 3,533 |
| Net interest margin | 3.5782% | 4,192 |
| Noninterest income to average assets | 0.6901% | 2,773 |
| Noninterest expense to average assets | 3.0989% | 2,924 |
| Loan and lease loss provision to assets | 0.0129% | 5,750 |
| Net operating income to assets | 0.6216% | 4,132 |
| Return on assets (ROA) | 0.6232% | 4,385 |
| Pretax return on assets | 0.8453% | 4,129 |
| Return on Equity (ROE) | 6.2400% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.0808% | 3,343 |
| Net charge-offs to loans | 0.1633% | 4,070 |
| Credit loss provision to net charge-offs | 16.2162% | 5,324 |
| Earnings coverage of net charge-offs (x) | 10.7297% | 2,109 |
| Efficiency ratio | 78.3533% | 2,386 |
| Assets per employee ($millions) | 3.4434% | 5,124 |
| Cash dividends to net income (ytd only)* | 34.6021% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 6,372 |
| Loan loss allowance to noncurrent loans | 206.6667% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 5,251 |
| Noncurrent loans to loans | 0.4161% | 5,447 |
| Net loans and leases to total assets | 44.4864% | 5,770 |
| Net loans and leases to deposits | 49.5804% | 5,980 |
| Net loans and leases to core deposits | 54.4370% | 5,848 |
| Total domestic deposits to total assets | 89.7258% | 1,108 |
| Equity capital to assets | 9.7639% | 4,509 |
| Core capital (leverage) ratio | 9.6994% | 3,807 |
| Tier 1 risk-based capital ratio | 22.3832% | 1,197 |
| Total risk-based capital ratio | 23.2812% | 1,228 |
| Memoranda: | ||
| Average total assets | $46,372,000 | 6,316 |
| Average earning assets | $42,311,200 | 6,296 |
| Average equity | $4,631,400 | 6,402 |
| Average total loans | $22,661,600 | 6,314 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 4,477 |
| Cost of funding earning assets | 0.7228% | 3,571 |
| Net interest margin | 3.5696% | 4,358 |
| Noninterest income to average assets | 0.6737% | 2,863 |
| Noninterest expense to average assets | 3.1160% | 2,839 |
| Loan and lease loss provision to assets | 0.0087% | 5,696 |
| Net operating income to assets | 0.6156% | 4,321 |
| Return on assets (ROA) | 0.6156% | 4,577 |
| Pretax return on assets | 0.8189% | 4,415 |
| Return on Equity (ROE) | 6.1281% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.0296% | 3,344 |
| Net charge-offs to loans | 0.0989% | 4,394 |
| Credit loss provision to net charge-offs | 17.6471% | 4,990 |
| Earnings coverage of net charge-offs (x) | 16.7618% | 1,664 |
| Efficiency ratio | 79.0133% | 2,236 |
| Assets per employee ($millions) | 3.2147% | 5,606 |
| Cash dividends to net income (ytd only)* | 17.9261% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 6,369 |
| Loan loss allowance to noncurrent loans | 129.2994% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,033 |
| Noncurrent loans to loans | 0.6990% | 5,037 |
| Net loans and leases to total assets | 46.1604% | 5,749 |
| Net loans and leases to deposits | 51.3756% | 6,019 |
| Net loans and leases to core deposits | 53.9364% | 6,054 |
| Total domestic deposits to total assets | 89.8488% | 927 |
| Equity capital to assets | 9.7364% | 4,879 |
| Core capital (leverage) ratio | 9.8741% | 3,722 |
| Tier 1 risk-based capital ratio | 21.9317% | 1,341 |
| Total risk-based capital ratio | 22.8951% | 1,369 |
| Memoranda: | ||
| Average total assets | $45,913,000 | 6,402 |
| Average earning assets | $42,057,500 | 6,372 |
| Average equity | $4,612,500 | 6,483 |
| Average total loans | $22,919,000 | 6,380 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 4,286 |
| Cost of funding earning assets | 0.7913% | 3,261 |
| Net interest margin | 3.5829% | 4,335 |
| Noninterest income to average assets | 0.6911% | 2,716 |
| Noninterest expense to average assets | 3.3404% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5272% | 4,690 |
| Return on assets (ROA) | 0.5272% | 4,967 |
| Pretax return on assets | 0.6202% | 5,069 |
| Return on Equity (ROE) | 5.1908% | 4,713 |
| Retained earnings to average equity (ytd only) | 5.1908% | 3,160 |
| Net charge-offs to loans | 0.1127% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.7692% | 2,021 |
| Efficiency ratio | 84.3400% | 1,596 |
| Assets per employee ($millions) | 3.0239% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 6,504 |
| Loan loss allowance to noncurrent loans | 129.9363% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 5,478 |
| Noncurrent loans to loans | 0.6780% | 5,146 |
| Net loans and leases to total assets | 50.5986% | 5,282 |
| Net loans and leases to deposits | 56.6146% | 5,588 |
| Net loans and leases to core deposits | 60.4196% | 5,552 |
| Total domestic deposits to total assets | 89.3737% | 1,292 |
| Equity capital to assets | 10.2405% | 4,005 |
| Core capital (leverage) ratio | 10.0099% | 3,409 |
| Tier 1 risk-based capital ratio | 21.4329% | 1,401 |
| Total risk-based capital ratio | 22.3907% | 1,429 |
| Memoranda: | ||
| Average total assets | $45,143,670 | 6,462 |
| Average earning assets | $41,196,000 | 6,441 |
| Average equity | $4,585,000 | 6,521 |
| Average total loans | $23,071,330 | 6,414 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 4,632 |
| Cost of funding earning assets | 0.8244% | 3,284 |
| Net interest margin | 3.5014% | 4,691 |
| Noninterest income to average assets | 0.6928% | 2,693 |
| Noninterest expense to average assets | 3.2241% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6484% | 4,127 |
| Return on assets (ROA) | 0.6484% | 4,341 |
| Pretax return on assets | 0.6750% | 4,872 |
| Return on Equity (ROE) | 6.4105% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.4105% | 2,734 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6879% | 1,847 |
| Assets per employee ($millions) | 3.0339% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,393 |
| Loan loss allowance to noncurrent loans | 126.1628% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 5,802 |
| Noncurrent loans to loans | 0.7591% | 5,145 |
| Net loans and leases to total assets | 49.3133% | 5,391 |
| Net loans and leases to deposits | 54.9699% | 5,710 |
| Net loans and leases to core deposits | 60.7361% | 5,460 |
| Total domestic deposits to total assets | 89.7097% | 1,238 |
| Equity capital to assets | 10.0332% | 4,086 |
| Core capital (leverage) ratio | 10.2721% | 3,033 |
| Tier 1 risk-based capital ratio | 22.1119% | 1,272 |
| Total risk-based capital ratio | 23.1737% | 1,271 |
| Memoranda: | ||
| Average total assets | $45,036,000 | 6,507 |
| Average earning assets | $41,240,500 | 6,481 |
| Average equity | $4,555,000 | 6,563 |
| Average total loans | $23,029,500 | 6,462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 4,126 |
| Cost of funding earning assets | 1.0239% | 3,211 |
| Net interest margin | 3.7056% | 4,274 |
| Noninterest income to average assets | 0.7502% | 2,337 |
| Noninterest expense to average assets | 3.3613% | 2,335 |
| Loan and lease loss provision to assets | 0.0137% | 6,372 |
| Net operating income to assets | 0.5456% | 4,251 |
| Return on assets (ROA) | 0.5473% | 4,432 |
| Pretax return on assets | 0.7366% | 4,203 |
| Return on Equity (ROE) | 5.4117% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.4274% | 3,787 |
| Net charge-offs to loans | 0.0811% | 5,508 |
| Credit loss provision to net charge-offs | 31.5789% | 5,758 |
| Earnings coverage of net charge-offs (x) | 17.2632% | 1,280 |
| Efficiency ratio | 81.7980% | 2,050 |
| Assets per employee ($millions) | 2.7852% | 6,479 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 6,470 |
| Loan loss allowance to noncurrent loans | 123.2955% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 5,857 |
| Noncurrent loans to loans | 0.7521% | 5,195 |
| Net loans and leases to total assets | 52.0230% | 5,308 |
| Net loans and leases to deposits | 58.2239% | 5,679 |
| Net loans and leases to core deposits | 64.0644% | 5,459 |
| Total domestic deposits to total assets | 89.3499% | 1,332 |
| Equity capital to assets | 10.1968% | 3,907 |
| Core capital (leverage) ratio | 9.8704% | 3,491 |
| Tier 1 risk-based capital ratio | 21.5696% | 1,307 |
| Total risk-based capital ratio | 22.6221% | 1,315 |
| Memoranda: | ||
| Average total assets | $43,852,400 | 6,544 |
| Average earning assets | $39,750,400 | 6,538 |
| Average equity | $4,434,800 | 6,622 |
| Average total loans | $23,437,600 | 6,492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 4,316 |
| Cost of funding earning assets | 1.0514% | 3,310 |
| Net interest margin | 3.6798% | 4,430 |
| Noninterest income to average assets | 0.7235% | 2,462 |
| Noninterest expense to average assets | 3.2787% | 2,563 |
| Loan and lease loss provision to assets | 0.0183% | 6,210 |
| Net operating income to assets | 0.5564% | 4,290 |
| Return on assets (ROA) | 0.5587% | 4,448 |
| Pretax return on assets | 0.7632% | 4,265 |
| Return on Equity (ROE) | 5.5358% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.3864% | 3,604 |
| Net charge-offs to loans | 0.1080% | 4,922 |
| Credit loss provision to net charge-offs | 31.5789% | 5,386 |
| Earnings coverage of net charge-offs (x) | 13.4224% | 1,620 |
| Efficiency ratio | 80.8126% | 2,142 |
| Assets per employee ($millions) | 2.6857% | 6,666 |
| Cash dividends to net income (ytd only)* | 20.7672% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 6,567 |
| Loan loss allowance to noncurrent loans | 126.1628% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 6,021 |
| Noncurrent loans to loans | 0.7213% | 5,430 |
| Net loans and leases to total assets | 51.7533% | 5,479 |
| Net loans and leases to deposits | 57.7049% | 5,868 |
| Net loans and leases to core deposits | 65.0937% | 5,515 |
| Total domestic deposits to total assets | 89.6861% | 1,050 |
| Equity capital to assets | 9.9218% | 4,445 |
| Core capital (leverage) ratio | 9.9789% | 3,472 |
| Tier 1 risk-based capital ratio | 21.0427% | 1,447 |
| Total risk-based capital ratio | 22.0711% | 1,466 |
| Memoranda: | ||
| Average total assets | $43,674,750 | 6,609 |
| Average earning assets | $39,566,000 | 6,606 |
| Average equity | $4,407,500 | 6,675 |
| Average total loans | $23,447,000 | 6,560 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 4,138 |
| Cost of funding earning assets | 1.0838% | 3,362 |
| Net interest margin | 3.7055% | 4,237 |
| Noninterest income to average assets | 0.7346% | 2,351 |
| Noninterest expense to average assets | 3.2455% | 2,740 |
| Loan and lease loss provision to assets | 0.0279% | 5,956 |
| Net operating income to assets | 0.5998% | 4,062 |
| Return on assets (ROA) | 0.5998% | 4,201 |
| Pretax return on assets | 0.7997% | 4,031 |
| Return on Equity (ROE) | 5.9084% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.9084% | 2,485 |
| Net charge-offs to loans | 0.1458% | 4,318 |
| Credit loss provision to net charge-offs | 35.2941% | 4,900 |
| Earnings coverage of net charge-offs (x) | 10.4706% | 1,805 |
| Efficiency ratio | 79.6804% | 2,436 |
| Assets per employee ($millions) | 2.6147% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,506 |
| Loan loss allowance to noncurrent loans | 223.4694% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 6,461 |
| Noncurrent loans to loans | 0.4257% | 6,050 |
| Net loans and leases to total assets | 51.3026% | 5,656 |
| Net loans and leases to deposits | 57.2763% | 6,024 |
| Net loans and leases to core deposits | 61.3440% | 5,962 |
| Total domestic deposits to total assets | 89.5703% | 1,204 |
| Equity capital to assets | 10.0810% | 4,041 |
| Core capital (leverage) ratio | 10.1908% | 3,044 |
| Tier 1 risk-based capital ratio | 21.2267% | 1,378 |
| Total risk-based capital ratio | 22.2777% | 1,391 |
| Memoranda: | ||
| Average total assets | $43,014,000 | 6,680 |
| Average earning assets | $38,753,330 | 6,694 |
| Average equity | $4,366,670 | 6,726 |
| Average total loans | $23,314,000 | 6,624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 4,115 |
| Cost of funding earning assets | 1.0765% | 3,681 |
| Net interest margin | 3.7104% | 4,045 |
| Noninterest income to average assets | 0.6715% | 2,720 |
| Noninterest expense to average assets | 3.3289% | 2,469 |
| Loan and lease loss provision to assets | 0.0284% | 5,610 |
| Net operating income to assets | 0.5674% | 4,192 |
| Return on assets (ROA) | 0.5674% | 4,265 |
| Pretax return on assets | 0.6715% | 4,412 |
| Return on Equity (ROE) | 5.5691% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.5691% | 2,869 |
| Net charge-offs to loans | 0.2899% | 2,895 |
| Credit loss provision to net charge-offs | 17.6471% | 4,281 |
| Earnings coverage of net charge-offs (x) | 4.3529% | 2,502 |
| Efficiency ratio | 82.6291% | 2,134 |
| Assets per employee ($millions) | 2.6788% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 6,617 |
| Loan loss allowance to noncurrent loans | 617.1429% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 6,840 |
| Noncurrent loans to loans | 0.1509% | 6,675 |
| Net loans and leases to total assets | 53.6118% | 5,362 |
| Net loans and leases to deposits | 59.8074% | 5,744 |
| Net loans and leases to core deposits | 62.2896% | 5,897 |
| Total domestic deposits to total assets | 89.6407% | 1,395 |
| Equity capital to assets | 10.1237% | 3,623 |
| Core capital (leverage) ratio | 10.5472% | 2,567 |
| Tier 1 risk-based capital ratio | 21.4219% | 1,321 |
| Total risk-based capital ratio | 22.4846% | 1,328 |
| Memoranda: | ||
| Average total assets | $42,296,000 | 6,749 |
| Average earning assets | $38,271,000 | 6,751 |
| Average equity | $4,309,500 | 6,778 |
| Average total loans | $23,459,500 | 6,670 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 3,018 |
| Cost of funding earning assets | 1.3167% | 3,775 |
| Net interest margin | 4.0062% | 2,998 |
| Noninterest income to average assets | 0.8363% | 2,114 |
| Noninterest expense to average assets | 3.6070% | 1,906 |
| Loan and lease loss provision to assets | 0.1209% | 5,950 |
| Net operating income to assets | 0.4635% | 4,256 |
| Return on assets (ROA) | 0.4635% | 4,423 |
| Pretax return on assets | 0.7103% | 3,941 |
| Return on Equity (ROE) | 4.2699% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.2278% | 4,324 |
| Net charge-offs to loans | 0.0491% | 6,303 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 792 |
| Efficiency ratio | 81.2713% | 2,248 |
| Assets per employee ($millions) | 2.7821% | 6,550 |
| Cash dividends to net income (ytd only)* | 47.8261% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 6,496 |
| Loan loss allowance to noncurrent loans | 128.4916% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 6,081 |
| Noncurrent loans to loans | 0.7545% | 5,534 |
| Net loans and leases to total assets | 56.2997% | 5,296 |
| Net loans and leases to deposits | 62.9842% | 5,744 |
| Net loans and leases to core deposits | 70.0277% | 5,441 |
| Total domestic deposits to total assets | 89.3870% | 1,443 |
| Equity capital to assets | 10.2559% | 3,439 |
| Core capital (leverage) ratio | 10.2941% | 2,775 |
| Tier 1 risk-based capital ratio | 21.2540% | 1,282 |
| Total risk-based capital ratio | 22.3921% | 1,273 |
| Memoranda: | ||
| Average total assets | $39,700,600 | 6,878 |
| Average earning assets | $35,694,600 | 6,887 |
| Average equity | $4,309,200 | 6,889 |
| Average total loans | $24,437,000 | 6,706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 2,688 |
| Cost of funding earning assets | 1.3345% | 4,014 |
| Net interest margin | 4.1060% | 2,599 |
| Noninterest income to average assets | 0.8267% | 2,093 |
| Noninterest expense to average assets | 3.5788% | 1,838 |
| Loan and lease loss provision to assets | 0.1225% | 5,804 |
| Net operating income to assets | 0.5749% | 3,983 |
| Return on assets (ROA) | 0.5749% | 4,145 |
| Pretax return on assets | 0.8097% | 3,869 |
| Return on Equity (ROE) | 5.2202% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.0463% | 3,631 |
| Net charge-offs to loans | -0.0108% | 7,274 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3363% | 2,447 |
| Assets per employee ($millions) | 2.7775% | 6,631 |
| Cash dividends to net income (ytd only)* | 22.4870% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,543 |
| Loan loss allowance to noncurrent loans | 748.3871% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,958 |
| Noncurrent loans to loans | 0.1282% | 6,924 |
| Net loans and leases to total assets | 57.5056% | 5,335 |
| Net loans and leases to deposits | 64.5542% | 5,842 |
| Net loans and leases to core deposits | 73.1341% | 5,391 |
| Total domestic deposits to total assets | 89.0812% | 1,350 |
| Equity capital to assets | 10.5276% | 3,485 |
| Core capital (leverage) ratio | 10.7375% | 2,479 |
| Tier 1 risk-based capital ratio | 21.0368% | 1,352 |
| Total risk-based capital ratio | 22.1639% | 1,349 |
| Memoranda: | ||
| Average total assets | $39,192,750 | 6,972 |
| Average earning assets | $35,167,250 | 6,988 |
| Average equity | $4,316,500 | 6,977 |
| Average total loans | $24,615,000 | 6,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 2,369 |
| Cost of funding earning assets | 1.3575% | 4,146 |
| Net interest margin | 4.1826% | 2,211 |
| Noninterest income to average assets | 0.7871% | 2,186 |
| Noninterest expense to average assets | 3.6174% | 1,739 |
| Loan and lease loss provision to assets | 0.1251% | 5,636 |
| Net operating income to assets | 0.6099% | 3,841 |
| Return on assets (ROA) | 0.6099% | 3,974 |
| Pretax return on assets | 0.8027% | 3,870 |
| Return on Equity (ROE) | 5.4503% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,647 |
| Net charge-offs to loans | -0.0162% | 7,253 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5872% | 2,496 |
| Assets per employee ($millions) | 2.4625% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,815 |
| Loan loss allowance to noncurrent loans | 709.6774% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 6,967 |
| Noncurrent loans to loans | 0.1244% | 7,016 |
| Net loans and leases to total assets | 62.6954% | 4,535 |
| Net loans and leases to deposits | 70.8362% | 5,157 |
| Net loans and leases to core deposits | 75.9454% | 5,201 |
| Total domestic deposits to total assets | 88.5076% | 1,724 |
| Equity capital to assets | 11.0964% | 2,772 |
| Core capital (leverage) ratio | 11.0048% | 2,241 |
| Tier 1 risk-based capital ratio | 20.8646% | 1,364 |
| Total risk-based capital ratio | 21.9283% | 1,367 |
| Memoranda: | ||
| Average total assets | $38,369,670 | 7,054 |
| Average earning assets | $34,476,330 | 7,066 |
| Average equity | $4,293,330 | 7,016 |
| Average total loans | $24,756,670 | 6,823 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5458% | 2,381 |
| Cost of funding earning assets | 1.3305% | 4,622 |
| Net interest margin | 4.2153% | 1,976 |
| Noninterest income to average assets | 0.7608% | 2,226 |
| Noninterest expense to average assets | 3.6667% | 1,581 |
| Loan and lease loss provision to assets | 0.1268% | 5,308 |
| Net operating income to assets | 0.6340% | 3,736 |
| Return on assets (ROA) | 0.6340% | 3,858 |
| Pretax return on assets | 0.7502% | 4,060 |
| Return on Equity (ROE) | 5.6417% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.6417% | 2,788 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6977% | 2,455 |
| Assets per employee ($millions) | 2.2458% | 7,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 7,049 |
| Loan loss allowance to noncurrent loans | 196.1905% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 6,558 |
| Noncurrent loans to loans | 0.4239% | 6,450 |
| Net loans and leases to total assets | 64.3338% | 4,255 |
| Net loans and leases to deposits | 72.7461% | 4,954 |
| Net loans and leases to core deposits | 80.7589% | 4,666 |
| Total domestic deposits to total assets | 88.4361% | 1,833 |
| Equity capital to assets | 11.2365% | 2,545 |
| Core capital (leverage) ratio | 11.5546% | 1,879 |
| Tier 1 risk-based capital ratio | 20.6059% | 1,406 |
| Total risk-based capital ratio | 21.6028% | 1,421 |
| Memoranda: | ||
| Average total assets | $37,854,500 | 7,170 |
| Average earning assets | $33,971,500 | 7,163 |
| Average equity | $4,254,000 | 7,098 |
| Average total loans | $24,674,000 | 6,902 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3081% | 1,010 |
| Cost of funding earning assets | 1.6542% | 4,767 |
| Net interest margin | 4.6539% | 896 |
| Noninterest income to average assets | 0.9074% | 1,918 |
| Noninterest expense to average assets | 4.2229% | 1,065 |
| Loan and lease loss provision to assets | 0.1745% | 5,952 |
| Net operating income to assets | 0.4910% | 3,767 |
| Return on assets (ROA) | 0.4973% | 3,840 |
| Pretax return on assets | 0.6835% | 3,630 |
| Return on Equity (ROE) | 4.0732% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,163 |
| Net charge-offs to loans | 0.0881% | 6,240 |
| Credit loss provision to net charge-offs | 272.7273% | 1,264 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 1,436 |
| Efficiency ratio | 83.2569% | 2,445 |
| Assets per employee ($millions) | 2.2076% | 7,564 |
| Cash dividends to net income (ytd only)* | 29.2398% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 7,159 |
| Loan loss allowance to noncurrent loans | 184.7619% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 6,515 |
| Noncurrent loans to loans | 0.4272% | 6,410 |
| Net loans and leases to total assets | 64.9774% | 4,378 |
| Net loans and leases to deposits | 73.5293% | 5,113 |
| Net loans and leases to core deposits | 86.3772% | 5,487 |
| Total domestic deposits to total assets | 88.3693% | 1,785 |
| Equity capital to assets | 11.2390% | 2,505 |
| Core capital (leverage) ratio | 11.4872% | 1,922 |
| Tier 1 risk-based capital ratio | 20.7288% | 1,338 |
| Total risk-based capital ratio | 21.6867% | 1,350 |
| Memoranda: | ||
| Average total assets | $34,383,800 | 7,307 |
| Average earning assets | $30,770,000 | 7,323 |
| Average equity | $4,198,200 | 7,212 |
| Average total loans | $24,981,400 | 6,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5020% | 742 |
| Cost of funding earning assets | 1.6798% | 5,002 |
| Net interest margin | 4.8222% | 657 |
| Noninterest income to average assets | 0.9802% | 1,671 |
| Noninterest expense to average assets | 4.3257% | 881 |
| Loan and lease loss provision to assets | 0.1786% | 5,574 |
| Net operating income to assets | 0.5873% | 3,646 |
| Return on assets (ROA) | 0.5873% | 3,711 |
| Pretax return on assets | 0.7937% | 3,562 |
| Return on Equity (ROE) | 4.7059% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.9110% | 3,103 |
| Net charge-offs to loans | 0.1063% | 5,605 |
| Credit loss provision to net charge-offs | 225.0000% | 1,940 |
| Earnings coverage of net charge-offs (x) | 12.2482% | 1,782 |
| Efficiency ratio | 81.6479% | 2,628 |
| Assets per employee ($millions) | 2.1362% | 7,678 |
| Cash dividends to net income (ytd only)* | 16.8905% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 7,288 |
| Loan loss allowance to noncurrent loans | 167.5926% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 6,743 |
| Noncurrent loans to loans | 0.4413% | 6,446 |
| Net loans and leases to total assets | 66.8980% | 4,210 |
| Net loans and leases to deposits | 76.0757% | 5,031 |
| Net loans and leases to core deposits | 84.4539% | 6,009 |
| Total domestic deposits to total assets | 87.9361% | 1,688 |
| Equity capital to assets | 11.6618% | 2,462 |
| Core capital (leverage) ratio | 12.6502% | 1,521 |
| Tier 1 risk-based capital ratio | 20.7869% | 1,397 |
| Total risk-based capital ratio | 21.6828% | 1,428 |
| Memoranda: | ||
| Average total assets | $33,597,250 | 7,396 |
| Average earning assets | $30,082,500 | 7,410 |
| Average equity | $4,193,250 | 7,285 |
| Average total loans | $25,081,750 | 6,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7360% | 507 |
| Cost of funding earning assets | 1.7560% | 4,968 |
| Net interest margin | 4.9800% | 452 |
| Noninterest income to average assets | 1.0584% | 1,416 |
| Noninterest expense to average assets | 4.4477% | 816 |
| Loan and lease loss provision to assets | 0.1835% | 5,200 |
| Net operating income to assets | 0.6607% | 3,426 |
| Return on assets (ROA) | 0.6607% | 3,536 |
| Pretax return on assets | 0.8687% | 3,451 |
| Return on Equity (ROE) | 5.1683% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.1683% | 2,415 |
| Net charge-offs to loans | 0.0712% | 5,510 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 19.1111% | 1,379 |
| Efficiency ratio | 80.8676% | 2,907 |
| Assets per employee ($millions) | 1.9813% | 7,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 7,431 |
| Loan loss allowance to noncurrent loans | 114.1935% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 6,291 |
| Noncurrent loans to loans | 0.6108% | 6,039 |
| Net loans and leases to total assets | 74.8115% | 2,496 |
| Net loans and leases to deposits | 85.9648% | 3,560 |
| Net loans and leases to core deposits | 95.3855% | 4,968 |
| Total domestic deposits to total assets | 87.0257% | 2,241 |
| Equity capital to assets | 12.5200% | 1,914 |
| Core capital (leverage) ratio | 12.7825% | 1,516 |
| Tier 1 risk-based capital ratio | 20.1192% | 1,557 |
| Total risk-based capital ratio | 20.9699% | 1,589 |
| Memoranda: | ||
| Average total assets | $32,691,330 | 7,498 |
| Average earning assets | $29,156,670 | 7,526 |
| Average equity | $4,179,330 | 7,350 |
| Average total loans | $25,284,000 | 7,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9072% | 400 |
| Cost of funding earning assets | 1.7303% | 5,471 |
| Net interest margin | 5.1769% | 291 |
| Noninterest income to average assets | 1.3418% | 795 |
| Noninterest expense to average assets | 4.5968% | 652 |
| Loan and lease loss provision to assets | 0.1864% | 4,576 |
| Net operating income to assets | 0.9442% | 2,532 |
| Return on assets (ROA) | 0.9442% | 2,661 |
| Pretax return on assets | 1.1306% | 2,871 |
| Return on Equity (ROE) | 7.3068% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.3068% | 2,098 |
| Net charge-offs to loans | -0.0158% | 7,381 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7311% | 3,214 |
| Assets per employee ($millions) | 1.8173% | 8,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 7,478 |
| Loan loss allowance to noncurrent loans | 409.5238% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 7,205 |
| Noncurrent loans to loans | 0.1678% | 7,042 |
| Net loans and leases to total assets | 76.0081% | 2,263 |
| Net loans and leases to deposits | 87.7497% | 3,330 |
| Net loans and leases to core deposits | 102.5152% | 4,290 |
| Total domestic deposits to total assets | 86.6192% | 2,398 |
| Equity capital to assets | 12.8428% | 1,810 |
| Core capital (leverage) ratio | 13.2110% | 1,414 |
| Tier 1 risk-based capital ratio | 20.3240% | 1,560 |
| Total risk-based capital ratio | 21.1657% | 1,594 |
| Memoranda: | ||
| Average total assets | $32,196,000 | 7,558 |
| Average earning assets | $28,434,000 | 7,595 |
| Average equity | $4,160,500 | 7,396 |
| Average total loans | $25,238,500 | 7,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3649% | 527 |
| Cost of funding earning assets | 2.1740% | 5,710 |
| Net interest margin | 5.1909% | 347 |
| Noninterest income to average assets | 0.8964% | 1,971 |
| Noninterest expense to average assets | 4.4131% | 941 |
| Loan and lease loss provision to assets | 0.1874% | 5,016 |
| Net operating income to assets | 0.6403% | 4,141 |
| Return on assets (ROA) | 0.6403% | 3,994 |
| Pretax return on assets | 0.9120% | 3,685 |
| Return on Equity (ROE) | 5.0700% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.8334% | 2,742 |
| Net charge-offs to loans | 0.0158% | 6,661 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 478 |
| Efficiency ratio | 80.0567% | 2,595 |
| Assets per employee ($millions) | 1.7601% | 8,064 |
| Cash dividends to net income (ytd only)* | 24.3902% | 4,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 7,655 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 7,592 |
| Noncurrent loans to loans | 0.0118% | 7,501 |
| Net loans and leases to total assets | 79.8144% | 1,706 |
| Net loans and leases to deposits | 92.5956% | 3,034 |
| Net loans and leases to core deposits | 102.0461% | 4,604 |
| Total domestic deposits to total assets | 86.1968% | 2,317 |
| Equity capital to assets | 13.0046% | 1,783 |
| Core capital (leverage) ratio | 12.8558% | 1,591 |
| Tier 1 risk-based capital ratio | 19.6881% | 1,667 |
| Total risk-based capital ratio | 20.4413% | 1,725 |
| Memoranda: | ||
| Average total assets | $32,018,200 | 7,562 |
| Average earning assets | $28,472,800 | 7,591 |
| Average equity | $4,043,400 | 7,499 |
| Average total loans | $25,278,800 | 7,012 |