Home > Bank of Buffalo > Performance and Condition Ratios
Bank of Buffalo, 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 | 5.3718% | 1,355 |
| Cost of funding earning assets | 2.1324% | 729 |
| Net interest margin | 3.2394% | 2,776 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.7289% | 4,104 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3664% | 1,288 |
| Return on assets (ROA) | 1.3664% | 1,254 |
| Pretax return on assets | 1.3664% | 1,705 |
| Return on Equity (ROE) | 18.1000% | 804 |
| Retained earnings to average equity (ytd only) | 10.5321% | 897 |
| Net charge-offs to loans | -0.0263% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.7796% | 3,692 |
| Assets per employee ($millions) | 6.9282% | 2,118 |
| Cash dividends to net income (ytd only)* | 41.8237% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 3,888 |
| Loan loss allowance to noncurrent loans | 254.0773% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 2,103 |
| Noncurrent loans to loans | 0.3274% | 2,013 |
| Net loans and leases to total assets | 67.9100% | 2,048 |
| Net loans and leases to deposits | 83.7008% | 1,807 |
| Net loans and leases to core deposits | 116.4543% | 732 |
| Total domestic deposits to total assets | 81.1300% | 3,286 |
| Equity capital to assets | 7.5335% | 3,700 |
| Core capital (leverage) ratio | 9.2486% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $97,113,400 | 3,856 |
| Average earning assets | $93,042,200 | 3,810 |
| Average equity | $7,330,000 | 4,008 |
| Average total loans | $64,528,000 | 3,637 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 1,412 |
| Cost of funding earning assets | 1.9646% | 752 |
| Net interest margin | 3.2589% | 2,781 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.6518% | 4,188 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4939% | 1,138 |
| Return on assets (ROA) | 1.4939% | 1,116 |
| Pretax return on assets | 1.4939% | 1,569 |
| Return on Equity (ROE) | 19.7800% | 745 |
| Retained earnings to average equity (ytd only) | 19.7814% | 266 |
| Net charge-offs to loans | -0.0276% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.0142% | 3,831 |
| Assets per employee ($millions) | 7.6269% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 4,002 |
| Loan loss allowance to noncurrent loans | 299.4444% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,380 |
| Noncurrent loans to loans | 0.2637% | 2,293 |
| Net loans and leases to total assets | 68.3000% | 2,013 |
| Net loans and leases to deposits | 84.8935% | 1,658 |
| Net loans and leases to core deposits | 116.0074% | 660 |
| Total domestic deposits to total assets | 80.4500% | 3,464 |
| Equity capital to assets | 7.4554% | 3,380 |
| Core capital (leverage) ratio | 9.8385% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,411,000 | 3,883 |
| Average earning assets | $91,481,750 | 3,839 |
| Average equity | $7,205,250 | 4,024 |
| Average total loans | $62,869,750 | 3,672 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 1,346 |
| Cost of funding earning assets | 1.7854% | 761 |
| Net interest margin | 3.3287% | 2,689 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.8500% | 3,907 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.3168% | 1,524 |
| Return on assets (ROA) | 1.3168% | 1,509 |
| Pretax return on assets | 1.3168% | 2,029 |
| Return on Equity (ROE) | 17.3600% | 1,037 |
| Retained earnings to average equity (ytd only) | 17.3597% | 378 |
| Net charge-offs to loans | -0.0458% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9409% | 3,428 |
| Assets per employee ($millions) | 6.9290% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 3,951 |
| Loan loss allowance to noncurrent loans | 153.5613% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 1,467 |
| Noncurrent loans to loans | 0.5396% | 1,378 |
| Net loans and leases to total assets | 66.5000% | 2,103 |
| Net loans and leases to deposits | 80.8713% | 1,910 |
| Net loans and leases to core deposits | 109.7151% | 838 |
| Total domestic deposits to total assets | 82.2300% | 3,184 |
| Equity capital to assets | 7.4913% | 3,522 |
| Core capital (leverage) ratio | 9.6082% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,164,667 | 3,906 |
| Average earning assets | $90,066,000 | 3,865 |
| Average equity | $7,143,000 | 4,059 |
| Average total loans | $61,074,333 | 3,709 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 1,207 |
| Cost of funding earning assets | 1.5895% | 711 |
| Net interest margin | 3.4228% | 2,577 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.6389% | 4,258 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.4837% | 1,217 |
| Return on assets (ROA) | 1.4837% | 1,195 |
| Pretax return on assets | 1.4837% | 1,710 |
| Return on Equity (ROE) | 19.4300% | 821 |
| Retained earnings to average equity (ytd only) | 19.4323% | 409 |
| Net charge-offs to loans | -0.0338% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.1013% | 4,075 |
| Assets per employee ($millions) | 6.3565% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 3,960 |
| Loan loss allowance to noncurrent loans | 280.9524% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,148 |
| Noncurrent loans to loans | 0.3066% | 2,049 |
| Net loans and leases to total assets | 64.0900% | 2,243 |
| Net loans and leases to deposits | 76.8093% | 2,054 |
| Net loans and leases to core deposits | 107.6732% | 771 |
| Total domestic deposits to total assets | 83.4400% | 3,214 |
| Equity capital to assets | 7.7181% | 3,433 |
| Core capital (leverage) ratio | 9.7649% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $92,744,000 | 3,969 |
| Average earning assets | $88,582,500 | 3,934 |
| Average equity | $7,081,000 | 4,112 |
| Average total loans | $59,088,500 | 3,772 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 1,672 |
| Cost of funding earning assets | 0.5998% | 902 |
| Net interest margin | 3.4164% | 2,198 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.9175% | 3,795 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4246% | 1,064 |
| Return on assets (ROA) | 1.4222% | 1,033 |
| Pretax return on assets | 1.4222% | 1,705 |
| Return on Equity (ROE) | 16.0200% | 1,052 |
| Retained earnings to average equity (ytd only) | 16.0231% | 225 |
| Net charge-offs to loans | 0.0638% | 1,007 |
| Credit loss provision to net charge-offs | 80.6452% | 1,676 |
| Earnings coverage of net charge-offs (x) | 39.1290% | 1,517 |
| Efficiency ratio | 56.8634% | 3,483 |
| Assets per employee ($millions) | 6.0094% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,169 |
| Loan loss allowance to noncurrent loans | 652.3810% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,096 |
| Noncurrent loans to loans | 0.1114% | 2,970 |
| Net loans and leases to total assets | 62.2600% | 2,405 |
| Net loans and leases to deposits | 73.2909% | 2,307 |
| Net loans and leases to core deposits | 98.2219% | 1,091 |
| Total domestic deposits to total assets | 84.9500% | 3,002 |
| Equity capital to assets | 7.5471% | 3,359 |
| Core capital (leverage) ratio | 9.6630% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $83,391,400 | 4,086 |
| Average earning assets | $78,854,400 | 4,053 |
| Average equity | $7,401,800 | 4,162 |
| Average total loans | $48,616,600 | 3,916 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 1,736 |
| Cost of funding earning assets | 0.4514% | 974 |
| Net interest margin | 3.3577% | 2,113 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.8097% | 3,969 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4573% | 938 |
| Return on assets (ROA) | 1.4393% | 958 |
| Pretax return on assets | 1.4393% | 1,600 |
| Return on Equity (ROE) | 15.5700% | 1,064 |
| Retained earnings to average equity (ytd only) | 15.5727% | 313 |
| Net charge-offs to loans | -0.0257% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7114% | 3,757 |
| Assets per employee ($millions) | 5.9017% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 4,008 |
| Loan loss allowance to noncurrent loans | 180.0797% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 1,816 |
| Noncurrent loans to loans | 0.4662% | 1,635 |
| Net loans and leases to total assets | 60.3100% | 2,469 |
| Net loans and leases to deposits | 70.0228% | 2,360 |
| Net loans and leases to core deposits | 89.6048% | 1,321 |
| Total domestic deposits to total assets | 86.1300% | 3,036 |
| Equity capital to assets | 8.0135% | 2,884 |
| Core capital (leverage) ratio | 10.5531% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2883% | 1,344 |
| Memoranda: | ||
| Average total assets | $81,704,000 | 4,135 |
| Average earning assets | $76,797,000 | 4,105 |
| Average equity | $7,551,500 | 4,188 |
| Average total loans | $46,637,000 | 3,967 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 1,766 |
| Cost of funding earning assets | 0.3991% | 925 |
| Net interest margin | 3.2250% | 2,114 |
| Noninterest income to average assets | 0.1611% | 4,205 |
| Noninterest expense to average assets | 1.7323% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4403% | 814 |
| Return on assets (ROA) | 1.4453% | 787 |
| Pretax return on assets | 1.4453% | 1,320 |
| Return on Equity (ROE) | 14.9013% | 916 |
| Retained earnings to average equity (ytd only) | 14.9013% | 273 |
| Net charge-offs to loans | -0.0316% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6032% | 3,907 |
| Assets per employee ($millions) | 5.5096% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,057 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 1,666 |
| Noncurrent loans to loans | 0.5590% | 1,500 |
| Net loans and leases to total assets | 59.0134% | 2,438 |
| Net loans and leases to deposits | 68.2780% | 2,366 |
| Net loans and leases to core deposits | 79.1621% | 1,767 |
| Total domestic deposits to total assets | 86.4310% | 3,131 |
| Equity capital to assets | 8.5402% | 2,732 |
| Core capital (leverage) ratio | 10.6514% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,430,000 | 4,213 |
| Average earning assets | $74,170,333 | 4,188 |
| Average equity | $7,704,000 | 4,234 |
| Average total loans | $44,235,000 | 4,066 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 1,628 |
| Cost of funding earning assets | 0.3437% | 1,259 |
| Net interest margin | 3.2150% | 1,835 |
| Noninterest income to average assets | 0.1439% | 4,293 |
| Noninterest expense to average assets | 1.7321% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3929% | 814 |
| Return on assets (ROA) | 1.3929% | 810 |
| Pretax return on assets | 1.3929% | 1,271 |
| Return on Equity (ROE) | 13.5044% | 934 |
| Retained earnings to average equity (ytd only) | 13.5044% | 419 |
| Net charge-offs to loans | -0.0287% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4276% | 3,925 |
| Assets per employee ($millions) | 5.3932% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,850 |
| Loan loss allowance to noncurrent loans | 268.7898% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,472 |
| Noncurrent loans to loans | 0.3597% | 2,192 |
| Net loans and leases to total assets | 53.4265% | 2,826 |
| Net loans and leases to deposits | 62.5430% | 2,669 |
| Net loans and leases to core deposits | 72.8853% | 2,033 |
| Total domestic deposits to total assets | 85.4236% | 3,425 |
| Equity capital to assets | 9.4230% | 2,346 |
| Core capital (leverage) ratio | 11.1326% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,823,000 | 4,245 |
| Average earning assets | $72,161,000 | 4,237 |
| Average equity | $8,027,000 | 4,267 |
| Average total loans | $41,754,500 | 4,126 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 1,845 |
| Cost of funding earning assets | 0.4990% | 936 |
| Net interest margin | 3.3103% | 2,288 |
| Noninterest income to average assets | 0.2427% | 3,921 |
| Noninterest expense to average assets | 1.9251% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4209% | 1,212 |
| Return on assets (ROA) | 1.4034% | 1,322 |
| Pretax return on assets | 1.4034% | 2,042 |
| Return on Equity (ROE) | 12.0436% | 1,801 |
| Retained earnings to average equity (ytd only) | -0.3586% | 4,536 |
| Net charge-offs to loans | 0.0450% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 1,151 |
| Efficiency ratio | 57.5342% | 3,516 |
| Assets per employee ($millions) | 4.9832% | 3,745 |
| Cash dividends to net income (ytd only)* | 102.9779% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,587 |
| Loan loss allowance to noncurrent loans | 421.2121% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 3,014 |
| Noncurrent loans to loans | 0.2483% | 2,736 |
| Net loans and leases to total assets | 52.7760% | 2,979 |
| Net loans and leases to deposits | 63.3811% | 2,744 |
| Net loans and leases to core deposits | 70.2640% | 2,418 |
| Total domestic deposits to total assets | 83.2678% | 3,755 |
| Equity capital to assets | 11.2792% | 1,619 |
| Core capital (leverage) ratio | 10.9495% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,178,200 | 4,288 |
| Average earning assets | $69,540,400 | 4,265 |
| Average equity | $8,643,600 | 4,272 |
| Average total loans | $37,788,800 | 4,235 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 2,205 |
| Cost of funding earning assets | 0.5336% | 899 |
| Net interest margin | 3.1920% | 2,753 |
| Noninterest income to average assets | 0.2719% | 3,790 |
| Noninterest expense to average assets | 1.8261% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4299% | 1,446 |
| Return on assets (ROA) | 1.3903% | 1,636 |
| Pretax return on assets | 1.3903% | 2,378 |
| Return on Equity (ROE) | 11.8355% | 2,103 |
| Retained earnings to average equity (ytd only) | 0.3373% | 4,518 |
| Net charge-offs to loans | 0.0680% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 41.7895% | 1,344 |
| Efficiency ratio | 56.0841% | 3,516 |
| Assets per employee ($millions) | 4.9365% | 3,757 |
| Cash dividends to net income (ytd only)* | 97.1503% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,543 |
| Loan loss allowance to noncurrent loans | 91.6300% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 1,244 |
| Noncurrent loans to loans | 1.1757% | 947 |
| Net loans and leases to total assets | 51.5855% | 3,238 |
| Net loans and leases to deposits | 61.3514% | 3,106 |
| Net loans and leases to core deposits | 68.0067% | 2,774 |
| Total domestic deposits to total assets | 84.0819% | 3,441 |
| Equity capital to assets | 11.6289% | 1,590 |
| Core capital (leverage) ratio | 11.1019% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,035,750 | 4,346 |
| Average earning assets | $69,212,750 | 4,323 |
| Average equity | $8,696,750 | 4,332 |
| Average total loans | $37,269,500 | 4,300 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 2,136 |
| Cost of funding earning assets | 0.5730% | 853 |
| Net interest margin | 3.2009% | 2,756 |
| Noninterest income to average assets | 0.3296% | 3,457 |
| Noninterest expense to average assets | 1.7722% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5453% | 1,181 |
| Return on assets (ROA) | 1.5237% | 1,299 |
| Pretax return on assets | 1.5237% | 1,948 |
| Return on Equity (ROE) | 12.9279% | 1,743 |
| Retained earnings to average equity (ytd only) | 1.4670% | 4,244 |
| Net charge-offs to loans | -0.0054% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4202% | 3,876 |
| Assets per employee ($millions) | 4.9607% | 3,691 |
| Cash dividends to net income (ytd only)* | 88.6525% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,181 |
| Loan loss allowance to noncurrent loans | 87.1743% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 1,239 |
| Noncurrent loans to loans | 1.3214% | 886 |
| Net loans and leases to total assets | 50.1660% | 3,544 |
| Net loans and leases to deposits | 59.6777% | 3,417 |
| Net loans and leases to core deposits | 66.1112% | 3,100 |
| Total domestic deposits to total assets | 84.0615% | 3,420 |
| Equity capital to assets | 11.6542% | 1,547 |
| Core capital (leverage) ratio | 11.2535% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0595% | 798 |
| Memoranda: | ||
| Average total assets | $74,031,667 | 4,370 |
| Average earning assets | $69,105,667 | 4,355 |
| Average equity | $8,725,333 | 4,349 |
| Average total loans | $36,821,333 | 4,338 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 1,958 |
| Cost of funding earning assets | 0.6326% | 752 |
| Net interest margin | 3.2152% | 2,648 |
| Noninterest income to average assets | 0.2329% | 3,991 |
| Noninterest expense to average assets | 1.8634% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3705% | 1,633 |
| Return on assets (ROA) | 1.3705% | 1,719 |
| Pretax return on assets | 1.3705% | 2,368 |
| Return on Equity (ROE) | 11.5631% | 2,169 |
| Retained earnings to average equity (ytd only) | 11.5631% | 1,259 |
| Net charge-offs to loans | 0.0110% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 342 |
| Efficiency ratio | 57.6214% | 3,355 |
| Assets per employee ($millions) | 5.2490% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,816 |
| Loan loss allowance to noncurrent loans | 100.2315% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 1,543 |
| Noncurrent loans to loans | 1.2175% | 1,082 |
| Net loans and leases to total assets | 47.6948% | 3,844 |
| Net loans and leases to deposits | 56.6192% | 3,747 |
| Net loans and leases to core deposits | 62.4548% | 3,543 |
| Total domestic deposits to total assets | 84.2378% | 3,359 |
| Equity capital to assets | 12.0309% | 1,268 |
| Core capital (leverage) ratio | 11.5582% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2652% | 760 |
| Memoranda: | ||
| Average total assets | $73,842,000 | 4,390 |
| Average earning assets | $68,922,000 | 4,373 |
| Average equity | $8,752,000 | 4,360 |
| Average total loans | $36,350,000 | 4,371 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 1,971 |
| Cost of funding earning assets | 1.1061% | 392 |
| Net interest margin | 3.1578% | 3,473 |
| Noninterest income to average assets | 0.2027% | 4,255 |
| Noninterest expense to average assets | 1.6976% | 4,618 |
| Loan and lease loss provision to assets | 0.1014% | 3,064 |
| Net operating income to assets | 1.3827% | 1,059 |
| Return on assets (ROA) | 1.3516% | 1,216 |
| Pretax return on assets | 1.3516% | 1,813 |
| Return on Equity (ROE) | 11.3763% | 1,505 |
| Retained earnings to average equity (ytd only) | -2.8441% | 4,753 |
| Net charge-offs to loans | -0.0406% | 4,624 |
| Credit loss provision to net charge-offs | -468.7500% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3560% | 4,272 |
| Assets per employee ($millions) | 4.9465% | 3,445 |
| Cash dividends to net income (ytd only)* | 125.0000% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,130 |
| Loan loss allowance to noncurrent loans | 92.9336% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 1,672 |
| Noncurrent loans to loans | 1.2548% | 1,092 |
| Net loans and leases to total assets | 49.5755% | 3,853 |
| Net loans and leases to deposits | 60.1616% | 3,748 |
| Net loans and leases to core deposits | 66.3157% | 3,518 |
| Total domestic deposits to total assets | 82.4038% | 3,564 |
| Equity capital to assets | 11.6755% | 1,750 |
| Core capital (leverage) ratio | 11.0787% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1128% | 891 |
| Memoranda: | ||
| Average total assets | $73,985,200 | 4,324 |
| Average earning assets | $69,794,800 | 4,297 |
| Average equity | $8,790,200 | 4,338 |
| Average total loans | $39,404,800 | 4,318 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,022 |
| Cost of funding earning assets | 1.2013% | 374 |
| Net interest margin | 3.1254% | 3,677 |
| Noninterest income to average assets | 0.1966% | 4,301 |
| Noninterest expense to average assets | 1.6609% | 4,667 |
| Loan and lease loss provision to assets | 0.1353% | 2,660 |
| Net operating income to assets | 1.3562% | 1,212 |
| Return on assets (ROA) | 1.3237% | 1,386 |
| Pretax return on assets | 1.3237% | 1,959 |
| Return on Equity (ROE) | 11.0932% | 1,651 |
| Retained earnings to average equity (ytd only) | 1.2695% | 4,162 |
| Net charge-offs to loans | -0.1602% | 4,899 |
| Credit loss provision to net charge-offs | -156.2500% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6888% | 4,284 |
| Assets per employee ($millions) | 4.9441% | 3,322 |
| Cash dividends to net income (ytd only)* | 88.5559% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,702 |
| Loan loss allowance to noncurrent loans | 83.5125% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 1,544 |
| Noncurrent loans to loans | 1.4294% | 1,011 |
| Net loans and leases to total assets | 52.0085% | 3,966 |
| Net loans and leases to deposits | 65.5217% | 3,657 |
| Net loans and leases to core deposits | 73.6476% | 3,345 |
| Total domestic deposits to total assets | 79.3760% | 3,988 |
| Equity capital to assets | 12.1776% | 1,584 |
| Core capital (leverage) ratio | 11.5380% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4748% | 844 |
| Memoranda: | ||
| Average total assets | $73,932,000 | 4,335 |
| Average earning assets | $69,920,750 | 4,310 |
| Average equity | $8,822,000 | 4,351 |
| Average total loans | $39,951,500 | 4,333 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,250 |
| Cost of funding earning assets | 1.3020% | 356 |
| Net interest margin | 3.0830% | 3,937 |
| Noninterest income to average assets | 0.2112% | 4,220 |
| Noninterest expense to average assets | 1.6600% | 4,724 |
| Loan and lease loss provision to assets | 0.2031% | 2,025 |
| Net operating income to assets | 1.2592% | 1,463 |
| Return on assets (ROA) | 1.2403% | 1,636 |
| Pretax return on assets | 1.2403% | 2,218 |
| Return on Equity (ROE) | 10.4658% | 1,822 |
| Retained earnings to average equity (ytd only) | 3.6105% | 3,115 |
| Net charge-offs to loans | 0.1490% | 970 |
| Credit loss provision to net charge-offs | 250.0000% | 1,750 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,789 |
| Efficiency ratio | 53.1657% | 4,266 |
| Assets per employee ($millions) | 4.6079% | 3,636 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,667 |
| Loan loss allowance to noncurrent loans | 75.9295% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 1,609 |
| Noncurrent loans to loans | 1.2913% | 1,206 |
| Net loans and leases to total assets | 53.1488% | 3,947 |
| Net loans and leases to deposits | 67.1171% | 3,633 |
| Net loans and leases to core deposits | 76.2562% | 3,261 |
| Total domestic deposits to total assets | 79.1881% | 4,006 |
| Equity capital to assets | 12.3320% | 1,464 |
| Core capital (leverage) ratio | 11.6810% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4725% | 721 |
| Memoranda: | ||
| Average total assets | $73,855,667 | 4,337 |
| Average earning assets | $69,738,000 | 4,317 |
| Average equity | $8,752,333 | 4,365 |
| Average total loans | $40,256,667 | 4,349 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 2,549 |
| Cost of funding earning assets | 1.3337% | 505 |
| Net interest margin | 3.0852% | 4,126 |
| Noninterest income to average assets | 0.2219% | 4,229 |
| Noninterest expense to average assets | 1.7857% | 4,684 |
| Loan and lease loss provision to assets | 0.4058% | 750 |
| Net operating income to assets | 0.9470% | 2,357 |
| Return on assets (ROA) | 0.9361% | 2,504 |
| Pretax return on assets | 0.9361% | 3,038 |
| Return on Equity (ROE) | 8.0629% | 2,493 |
| Retained earnings to average equity (ytd only) | -5.9190% | 4,584 |
| Net charge-offs to loans | 0.1971% | 695 |
| Credit loss provision to net charge-offs | 375.0000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,690 |
| Efficiency ratio | 56.8966% | 4,123 |
| Assets per employee ($millions) | 4.6847% | 3,009 |
| Cash dividends to net income (ytd only)* | 173.4104% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,807 |
| Loan loss allowance to noncurrent loans | 64.9266% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,505 |
| Noncurrent loans to loans | 1.5103% | 1,059 |
| Net loans and leases to total assets | 53.6188% | 4,018 |
| Net loans and leases to deposits | 69.4656% | 3,634 |
| Net loans and leases to core deposits | 79.0038% | 3,287 |
| Total domestic deposits to total assets | 77.1876% | 4,328 |
| Equity capital to assets | 11.2868% | 2,601 |
| Core capital (leverage) ratio | 11.3254% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7822% | 888 |
| Memoranda: | ||
| Average total assets | $73,920,000 | 4,345 |
| Average earning assets | $69,881,500 | 4,315 |
| Average equity | $8,582,500 | 4,410 |
| Average total loans | $40,598,500 | 4,362 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 2,871 |
| Cost of funding earning assets | 1.4152% | 528 |
| Net interest margin | 3.1072% | 4,350 |
| Noninterest income to average assets | 0.2528% | 4,166 |
| Noninterest expense to average assets | 1.6908% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4924% | 1,073 |
| Return on assets (ROA) | 1.4611% | 1,214 |
| Pretax return on assets | 1.4611% | 1,929 |
| Return on Equity (ROE) | 12.7367% | 1,265 |
| Retained earnings to average equity (ytd only) | 4.4430% | 2,739 |
| Net charge-offs to loans | 0.2298% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.9348% | 2,456 |
| Efficiency ratio | 53.1170% | 4,506 |
| Assets per employee ($millions) | 5.2061% | 2,340 |
| Cash dividends to net income (ytd only)* | 65.1163% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 4,168 |
| Loan loss allowance to noncurrent loans | 71.0145% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 1,750 |
| Noncurrent loans to loans | 1.1894% | 1,272 |
| Net loans and leases to total assets | 55.2459% | 3,974 |
| Net loans and leases to deposits | 72.6810% | 3,460 |
| Net loans and leases to core deposits | 81.9031% | 3,129 |
| Total domestic deposits to total assets | 76.0115% | 4,598 |
| Equity capital to assets | 11.9435% | 2,168 |
| Core capital (leverage) ratio | 11.6120% | 2,033 |
| Tier 1 risk-based capital ratio | 18.0874% | 1,739 |
| Total risk-based capital ratio | 18.8157% | 1,825 |
| Memoranda: | ||
| Average total assets | $73,572,800 | 4,374 |
| Average earning assets | $69,388,200 | 4,354 |
| Average equity | $8,440,200 | 4,455 |
| Average total loans | $40,035,400 | 4,397 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 2,997 |
| Cost of funding earning assets | 1.3668% | 646 |
| Net interest margin | 3.1520% | 4,397 |
| Noninterest income to average assets | 0.2260% | 4,383 |
| Noninterest expense to average assets | 1.6832% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5115% | 1,162 |
| Return on assets (ROA) | 1.4934% | 1,262 |
| Pretax return on assets | 1.4934% | 1,976 |
| Return on Equity (ROE) | 13.1515% | 1,219 |
| Retained earnings to average equity (ytd only) | 2.0062% | 4,267 |
| Net charge-offs to loans | 0.2273% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 12.2947% | 2,367 |
| Efficiency ratio | 52.6882% | 4,538 |
| Assets per employee ($millions) | 4.8971% | 2,665 |
| Cash dividends to net income (ytd only)* | 84.7454% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 3,984 |
| Loan loss allowance to noncurrent loans | 76.7782% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 2,059 |
| Noncurrent loans to loans | 1.1924% | 1,314 |
| Net loans and leases to total assets | 54.0725% | 4,178 |
| Net loans and leases to deposits | 68.4710% | 3,889 |
| Net loans and leases to core deposits | 80.4195% | 3,359 |
| Total domestic deposits to total assets | 78.9714% | 4,193 |
| Equity capital to assets | 11.4856% | 2,670 |
| Core capital (leverage) ratio | 11.0923% | 2,568 |
| Tier 1 risk-based capital ratio | 17.7293% | 1,892 |
| Total risk-based capital ratio | 18.5161% | 1,965 |
| Memoranda: | ||
| Average total assets | $73,744,750 | 4,430 |
| Average earning assets | $69,456,750 | 4,408 |
| Average equity | $8,374,000 | 4,514 |
| Average total loans | $39,892,000 | 4,464 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 3,257 |
| Cost of funding earning assets | 1.3581% | 618 |
| Net interest margin | 3.0694% | 4,588 |
| Noninterest income to average assets | 0.2492% | 4,260 |
| Noninterest expense to average assets | 1.7010% | 4,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4436% | 1,314 |
| Return on assets (ROA) | 1.3976% | 1,504 |
| Pretax return on assets | 1.3976% | 2,218 |
| Return on Equity (ROE) | 12.3548% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.3548% | 368 |
| Net charge-offs to loans | 0.3716% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.2027% | 2,510 |
| Efficiency ratio | 54.0913% | 4,459 |
| Assets per employee ($millions) | 4.6551% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,077 |
| Loan loss allowance to noncurrent loans | 51.0578% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 1,388 |
| Noncurrent loans to loans | 1.7683% | 854 |
| Net loans and leases to total assets | 53.3458% | 4,266 |
| Net loans and leases to deposits | 68.8590% | 3,911 |
| Net loans and leases to core deposits | 80.3694% | 3,393 |
| Total domestic deposits to total assets | 77.4711% | 4,488 |
| Equity capital to assets | 11.8512% | 2,302 |
| Core capital (leverage) ratio | 11.6594% | 2,050 |
| Tier 1 risk-based capital ratio | 19.4891% | 1,440 |
| Total risk-based capital ratio | 20.3038% | 1,507 |
| Memoranda: | ||
| Average total assets | $73,840,670 | 4,464 |
| Average earning assets | $69,656,330 | 4,442 |
| Average equity | $8,353,000 | 4,534 |
| Average total loans | $39,827,000 | 4,498 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 3,210 |
| Cost of funding earning assets | 1.2337% | 813 |
| Net interest margin | 3.1706% | 4,453 |
| Noninterest income to average assets | 0.2339% | 4,339 |
| Noninterest expense to average assets | 1.8825% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3439% | 1,540 |
| Return on assets (ROA) | 1.3003% | 1,735 |
| Pretax return on assets | 1.3003% | 2,453 |
| Return on Equity (ROE) | 11.7792% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.7792% | 657 |
| Net charge-offs to loans | 0.7457% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.3378% | 2,408 |
| Efficiency ratio | 58.3474% | 4,032 |
| Assets per employee ($millions) | 4.6113% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 4,107 |
| Loan loss allowance to noncurrent loans | 27.5704% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.8338% | 568 |
| Noncurrent loans to loans | 3.3056% | 292 |
| Net loans and leases to total assets | 53.3444% | 4,248 |
| Net loans and leases to deposits | 67.2591% | 3,963 |
| Net loans and leases to core deposits | 77.9089% | 3,525 |
| Total domestic deposits to total assets | 79.3117% | 4,296 |
| Equity capital to assets | 11.3037% | 2,557 |
| Core capital (leverage) ratio | 11.4019% | 2,211 |
| Tier 1 risk-based capital ratio | 18.6708% | 1,614 |
| Total risk-based capital ratio | 19.4770% | 1,688 |
| Memoranda: | ||
| Average total assets | $73,520,000 | 4,516 |
| Average earning assets | $69,387,500 | 4,492 |
| Average equity | $8,116,000 | 4,605 |
| Average total loans | $39,693,000 | 4,553 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 2,614 |
| Cost of funding earning assets | 1.0524% | 600 |
| Net interest margin | 3.3951% | 4,010 |
| Noninterest income to average assets | 0.2622% | 4,362 |
| Noninterest expense to average assets | 1.6501% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8123% | 539 |
| Return on assets (ROA) | 1.7258% | 647 |
| Pretax return on assets | 1.7258% | 1,102 |
| Return on Equity (ROE) | 15.9597% | 640 |
| Retained earnings to average equity (ytd only) | 0.3374% | 4,898 |
| Net charge-offs to loans | -0.1182% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6581% | 5,057 |
| Assets per employee ($millions) | 4.8839% | 2,637 |
| Cash dividends to net income (ytd only)* | 97.8857% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,119 |
| Loan loss allowance to noncurrent loans | 70.3883% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 1,548 |
| Noncurrent loans to loans | 1.5580% | 956 |
| Net loans and leases to total assets | 53.5511% | 4,315 |
| Net loans and leases to deposits | 67.1994% | 4,029 |
| Net loans and leases to core deposits | 78.2460% | 3,559 |
| Total domestic deposits to total assets | 79.6899% | 4,174 |
| Equity capital to assets | 10.7727% | 2,908 |
| Core capital (leverage) ratio | 11.1649% | 2,384 |
| Tier 1 risk-based capital ratio | 18.1940% | 1,698 |
| Total risk-based capital ratio | 19.1658% | 1,740 |
| Memoranda: | ||
| Average total assets | $73,994,800 | 4,527 |
| Average earning assets | $69,748,200 | 4,500 |
| Average equity | $8,001,400 | 4,606 |
| Average total loans | $40,600,800 | 4,536 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,728 |
| Cost of funding earning assets | 0.9973% | 604 |
| Net interest margin | 3.3732% | 4,088 |
| Noninterest income to average assets | 0.2588% | 4,427 |
| Noninterest expense to average assets | 1.7022% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7363% | 693 |
| Return on assets (ROA) | 1.6572% | 834 |
| Pretax return on assets | 1.6572% | 1,391 |
| Return on Equity (ROE) | 15.3112% | 821 |
| Retained earnings to average equity (ytd only) | 4.5170% | 3,491 |
| Net charge-offs to loans | -0.1143% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5034% | 4,968 |
| Assets per employee ($millions) | 4.8583% | 2,651 |
| Cash dividends to net income (ytd only)* | 70.4995% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,532 |
| Loan loss allowance to noncurrent loans | 29.6348% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.0624% | 508 |
| Noncurrent loans to loans | 3.5102% | 268 |
| Net loans and leases to total assets | 55.0875% | 4,288 |
| Net loans and leases to deposits | 68.7697% | 4,006 |
| Net loans and leases to core deposits | 79.6717% | 3,523 |
| Total domestic deposits to total assets | 80.1043% | 4,094 |
| Equity capital to assets | 10.9763% | 2,683 |
| Core capital (leverage) ratio | 11.4982% | 2,167 |
| Tier 1 risk-based capital ratio | 18.2602% | 1,726 |
| Total risk-based capital ratio | 19.1786% | 1,775 |
| Memoranda: | ||
| Average total assets | $74,178,750 | 4,573 |
| Average earning assets | $69,921,750 | 4,542 |
| Average equity | $8,028,750 | 4,649 |
| Average total loans | $40,834,500 | 4,570 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,569 |
| Cost of funding earning assets | 0.9271% | 643 |
| Net interest margin | 3.4270% | 3,872 |
| Noninterest income to average assets | 0.2198% | 4,704 |
| Noninterest expense to average assets | 1.5815% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8683% | 506 |
| Return on assets (ROA) | 1.7718% | 622 |
| Pretax return on assets | 1.7718% | 1,028 |
| Return on Equity (ROE) | 16.4455% | 590 |
| Retained earnings to average equity (ytd only) | 8.9816% | 1,226 |
| Net charge-offs to loans | -0.0831% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8430% | 5,219 |
| Assets per employee ($millions) | 4.6492% | 2,886 |
| Cash dividends to net income (ytd only)* | 45.3858% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,907 |
| Loan loss allowance to noncurrent loans | 28.3509% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0219% | 530 |
| Noncurrent loans to loans | 3.4949% | 279 |
| Net loans and leases to total assets | 54.2702% | 4,317 |
| Net loans and leases to deposits | 65.1602% | 4,211 |
| Net loans and leases to core deposits | 78.1683% | 3,563 |
| Total domestic deposits to total assets | 83.2874% | 3,334 |
| Equity capital to assets | 10.9186% | 2,714 |
| Core capital (leverage) ratio | 11.3245% | 2,232 |
| Tier 1 risk-based capital ratio | 17.4743% | 1,948 |
| Total risk-based capital ratio | 18.3070% | 2,027 |
| Memoranda: | ||
| Average total assets | $74,613,330 | 4,616 |
| Average earning assets | $70,323,670 | 4,587 |
| Average equity | $8,038,670 | 4,689 |
| Average total loans | $40,923,670 | 4,612 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 2,718 |
| Cost of funding earning assets | 0.8007% | 952 |
| Net interest margin | 3.4472% | 3,716 |
| Noninterest income to average assets | 0.2088% | 4,767 |
| Noninterest expense to average assets | 1.4988% | 5,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9591% | 409 |
| Return on assets (ROA) | 1.7557% | 619 |
| Pretax return on assets | 1.7557% | 991 |
| Return on Equity (ROE) | 16.4062% | 566 |
| Retained earnings to average equity (ytd only) | 16.4062% | 226 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3437% | 5,362 |
| Assets per employee ($millions) | 4.6558% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 4,223 |
| Loan loss allowance to noncurrent loans | 43.0478% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 1,129 |
| Noncurrent loans to loans | 2.2053% | 682 |
| Net loans and leases to total assets | 54.2051% | 4,267 |
| Net loans and leases to deposits | 65.9432% | 4,089 |
| Net loans and leases to core deposits | 81.0140% | 3,235 |
| Total domestic deposits to total assets | 82.1997% | 3,900 |
| Equity capital to assets | 10.8614% | 2,712 |
| Core capital (leverage) ratio | 11.3156% | 2,151 |
| Tier 1 risk-based capital ratio | 17.4840% | 1,980 |
| Total risk-based capital ratio | 18.2851% | 2,057 |
| Memoranda: | ||
| Average total assets | $74,726,500 | 4,663 |
| Average earning assets | $70,434,000 | 4,633 |
| Average equity | $7,997,000 | 4,747 |
| Average total loans | $40,998,500 | 4,664 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 1,940 |
| Cost of funding earning assets | 0.7379% | 858 |
| Net interest margin | 3.6922% | 2,823 |
| Noninterest income to average assets | 0.1410% | 5,246 |
| Noninterest expense to average assets | 1.6332% | 5,384 |
| Loan and lease loss provision to assets | 0.4761% | 282 |
| Net operating income to assets | 1.5122% | 780 |
| Return on assets (ROA) | 1.4643% | 885 |
| Pretax return on assets | 1.4643% | 1,763 |
| Return on Equity (ROE) | 13.6930% | 811 |
| Retained earnings to average equity (ytd only) | 1.8158% | 4,229 |
| Net charge-offs to loans | 0.8479% | 231 |
| Credit loss provision to net charge-offs | 101.9943% | 2,512 |
| Earnings coverage of net charge-offs (x) | 4.2593% | 3,493 |
| Efficiency ratio | 45.0973% | 5,421 |
| Assets per employee ($millions) | 4.6850% | 2,887 |
| Cash dividends to net income (ytd only)* | 86.7393% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,279 |
| Loan loss allowance to noncurrent loans | 66.3808% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 1,765 |
| Noncurrent loans to loans | 1.4140% | 1,214 |
| Net loans and leases to total assets | 54.4877% | 4,314 |
| Net loans and leases to deposits | 68.8734% | 3,957 |
| Net loans and leases to core deposits | 81.7567% | 3,266 |
| Total domestic deposits to total assets | 79.1129% | 4,522 |
| Equity capital to assets | 10.5430% | 3,118 |
| Core capital (leverage) ratio | 10.8410% | 2,481 |
| Tier 1 risk-based capital ratio | 17.6158% | 1,916 |
| Total risk-based capital ratio | 18.4563% | 1,982 |
| Memoranda: | ||
| Average total assets | $75,187,800 | 4,683 |
| Average earning assets | $70,879,000 | 4,650 |
| Average equity | $8,040,600 | 4,780 |
| Average total loans | $41,398,800 | 4,684 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,730 |
| Cost of funding earning assets | 0.7163% | 897 |
| Net interest margin | 3.7511% | 2,577 |
| Noninterest income to average assets | 0.2357% | 4,800 |
| Noninterest expense to average assets | 1.6763% | 5,390 |
| Loan and lease loss provision to assets | 0.1772% | 1,136 |
| Net operating income to assets | 1.9084% | 380 |
| Return on assets (ROA) | 1.8747% | 413 |
| Pretax return on assets | 1.8747% | 735 |
| Return on Equity (ROE) | 17.4691% | 376 |
| Retained earnings to average equity (ytd only) | 1.7007% | 4,747 |
| Net charge-offs to loans | 0.3893% | 546 |
| Credit loss provision to net charge-offs | 82.6446% | 2,545 |
| Earnings coverage of net charge-offs (x) | 9.7272% | 2,665 |
| Efficiency ratio | 44.5596% | 5,464 |
| Assets per employee ($millions) | 4.6661% | 2,884 |
| Cash dividends to net income (ytd only)* | 90.2646% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 4,645 |
| Loan loss allowance to noncurrent loans | 37.6176% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 948 |
| Noncurrent loans to loans | 2.3404% | 674 |
| Net loans and leases to total assets | 54.2896% | 4,392 |
| Net loans and leases to deposits | 68.0005% | 4,111 |
| Net loans and leases to core deposits | 83.9481% | 3,129 |
| Total domestic deposits to total assets | 79.8371% | 4,352 |
| Equity capital to assets | 10.8215% | 3,045 |
| Core capital (leverage) ratio | 10.7189% | 2,741 |
| Tier 1 risk-based capital ratio | 17.2403% | 2,078 |
| Total risk-based capital ratio | 18.0095% | 2,184 |
| Memoranda: | ||
| Average total assets | $75,244,750 | 4,731 |
| Average earning assets | $70,733,750 | 4,698 |
| Average equity | $8,075,000 | 4,831 |
| Average total loans | $41,440,750 | 4,728 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 1,660 |
| Cost of funding earning assets | 0.6931% | 924 |
| Net interest margin | 3.7587% | 2,443 |
| Noninterest income to average assets | 0.2439% | 4,781 |
| Noninterest expense to average assets | 1.7126% | 5,401 |
| Loan and lease loss provision to assets | 0.2651% | 620 |
| Net operating income to assets | 1.8027% | 448 |
| Return on assets (ROA) | 1.7497% | 512 |
| Pretax return on assets | 1.7497% | 945 |
| Return on Equity (ROE) | 16.3494% | 484 |
| Retained earnings to average equity (ytd only) | 8.2986% | 1,056 |
| Net charge-offs to loans | 0.5478% | 353 |
| Credit loss provision to net charge-offs | 87.7193% | 2,169 |
| Earnings coverage of net charge-offs (x) | 6.8421% | 2,664 |
| Efficiency ratio | 45.3015% | 5,481 |
| Assets per employee ($millions) | 4.4604% | 3,177 |
| Cash dividends to net income (ytd only)* | 49.2424% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,679 |
| Loan loss allowance to noncurrent loans | 29.7803% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 673 |
| Noncurrent loans to loans | 2.9877% | 433 |
| Net loans and leases to total assets | 53.7671% | 4,411 |
| Net loans and leases to deposits | 68.9439% | 3,995 |
| Net loans and leases to core deposits | 85.2679% | 2,949 |
| Total domestic deposits to total assets | 77.9867% | 4,815 |
| Equity capital to assets | 10.9803% | 2,830 |
| Core capital (leverage) ratio | 10.9899% | 2,416 |
| Tier 1 risk-based capital ratio | 17.6068% | 1,972 |
| Total risk-based capital ratio | 18.3831% | 2,069 |
| Memoranda: | ||
| Average total assets | $75,440,670 | 4,755 |
| Average earning assets | $70,982,670 | 4,728 |
| Average equity | $8,073,670 | 4,847 |
| Average total loans | $41,624,000 | 4,758 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 1,555 |
| Cost of funding earning assets | 0.6660% | 998 |
| Net interest margin | 3.7644% | 2,247 |
| Noninterest income to average assets | 0.2233% | 4,936 |
| Noninterest expense to average assets | 1.8180% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9509% | 331 |
| Return on assets (ROA) | 1.8658% | 409 |
| Pretax return on assets | 1.8658% | 694 |
| Return on Equity (ROE) | 17.6659% | 360 |
| Retained earnings to average equity (ytd only) | 17.6659% | 147 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2370% | 5,458 |
| Assets per employee ($millions) | 4.4616% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,719 |
| Loan loss allowance to noncurrent loans | 45.5635% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2301% | 1,418 |
| Noncurrent loans to loans | 1.9976% | 895 |
| Net loans and leases to total assets | 54.5433% | 4,298 |
| Net loans and leases to deposits | 67.2246% | 4,068 |
| Net loans and leases to core deposits | 82.4777% | 3,043 |
| Total domestic deposits to total assets | 81.1360% | 4,387 |
| Equity capital to assets | 10.7768% | 2,882 |
| Core capital (leverage) ratio | 11.0660% | 2,293 |
| Tier 1 risk-based capital ratio | 17.4388% | 2,049 |
| Total risk-based capital ratio | 18.2358% | 2,139 |
| Memoranda: | ||
| Average total assets | $75,247,500 | 4,813 |
| Average earning assets | $70,874,500 | 4,769 |
| Average equity | $7,947,500 | 4,910 |
| Average total loans | $41,868,000 | 4,792 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,733 |
| Cost of funding earning assets | 0.6614% | 997 |
| Net interest margin | 3.7722% | 2,419 |
| Noninterest income to average assets | 0.3281% | 4,393 |
| Noninterest expense to average assets | 1.6352% | 5,621 |
| Loan and lease loss provision to assets | 0.0529% | 3,329 |
| Net operating income to assets | 2.2239% | 217 |
| Return on assets (ROA) | 2.1657% | 247 |
| Pretax return on assets | 2.1657% | 349 |
| Return on Equity (ROE) | 20.2704% | 198 |
| Retained earnings to average equity (ytd only) | 2.9347% | 3,810 |
| Net charge-offs to loans | 0.2046% | 1,360 |
| Credit loss provision to net charge-offs | 47.0588% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.2471% | 1,863 |
| Efficiency ratio | 41.7991% | 5,753 |
| Assets per employee ($millions) | 4.1471% | 3,713 |
| Cash dividends to net income (ytd only)* | 85.5223% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,768 |
| Loan loss allowance to noncurrent loans | 64.7359% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 2,062 |
| Noncurrent loans to loans | 1.3981% | 1,458 |
| Net loans and leases to total assets | 55.7370% | 4,290 |
| Net loans and leases to deposits | 68.6783% | 4,033 |
| Net loans and leases to core deposits | 84.5633% | 2,972 |
| Total domestic deposits to total assets | 81.1566% | 4,298 |
| Equity capital to assets | 10.3433% | 3,336 |
| Core capital (leverage) ratio | 10.2636% | 3,155 |
| Tier 1 risk-based capital ratio | 16.8736% | 2,199 |
| Total risk-based capital ratio | 17.6786% | 2,315 |
| Memoranda: | ||
| Average total assets | $75,586,800 | 4,824 |
| Average earning assets | $71,815,400 | 4,761 |
| Average equity | $8,075,800 | 4,924 |
| Average total loans | $41,537,400 | 4,831 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 1,959 |
| Cost of funding earning assets | 0.6551% | 1,033 |
| Net interest margin | 3.7104% | 2,678 |
| Noninterest income to average assets | 0.2497% | 4,971 |
| Noninterest expense to average assets | 1.5826% | 5,701 |
| Loan and lease loss provision to assets | 0.0703% | 2,807 |
| Net operating income to assets | 2.1225% | 283 |
| Return on assets (ROA) | 2.1471% | 280 |
| Pretax return on assets | 2.1471% | 426 |
| Return on Equity (ROE) | 19.9395% | 240 |
| Retained earnings to average equity (ytd only) | 6.8751% | 1,688 |
| Net charge-offs to loans | 0.0097% | 3,588 |
| Credit loss provision to net charge-offs | 1,333.3333% | 318 |
| Earnings coverage of net charge-offs (x) | 415.6575% | 217 |
| Efficiency ratio | 41.9190% | 5,788 |
| Assets per employee ($millions) | 4.5435% | 3,012 |
| Cash dividends to net income (ytd only)* | 65.5200% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,841 |
| Loan loss allowance to noncurrent loans | 33.5269% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8734% | 865 |
| Noncurrent loans to loans | 3.2783% | 423 |
| Net loans and leases to total assets | 53.8219% | 4,505 |
| Net loans and leases to deposits | 67.0408% | 4,242 |
| Net loans and leases to core deposits | 85.0595% | 3,034 |
| Total domestic deposits to total assets | 80.2822% | 4,446 |
| Equity capital to assets | 10.7160% | 3,339 |
| Core capital (leverage) ratio | 10.6855% | 2,800 |
| Tier 1 risk-based capital ratio | 16.7924% | 2,303 |
| Total risk-based capital ratio | 17.7444% | 2,370 |
| Memoranda: | ||
| Average total assets | $75,821,750 | 4,853 |
| Average earning assets | $72,047,500 | 4,795 |
| Average equity | $8,164,500 | 4,953 |
| Average total loans | $41,425,250 | 4,876 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 1,880 |
| Cost of funding earning assets | 0.6582% | 1,008 |
| Net interest margin | 3.7233% | 2,602 |
| Noninterest income to average assets | 0.2522% | 4,968 |
| Noninterest expense to average assets | 1.6510% | 5,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1447% | 249 |
| Return on assets (ROA) | 2.1447% | 264 |
| Pretax return on assets | 2.1447% | 423 |
| Return on Equity (ROE) | 19.8843% | 250 |
| Retained earnings to average equity (ytd only) | 10.0406% | 588 |
| Net charge-offs to loans | 0.0146% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 269.3333% | 251 |
| Efficiency ratio | 43.4965% | 5,826 |
| Assets per employee ($millions) | 4.7346% | 2,652 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 4,474 |
| Loan loss allowance to noncurrent loans | 28.4175% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.0527% | 787 |
| Noncurrent loans to loans | 3.5456% | 371 |
| Net loans and leases to total assets | 54.7311% | 4,438 |
| Net loans and leases to deposits | 67.6461% | 4,214 |
| Net loans and leases to core deposits | 85.9260% | 2,907 |
| Total domestic deposits to total assets | 80.9079% | 4,303 |
| Equity capital to assets | 10.9750% | 3,086 |
| Core capital (leverage) ratio | 10.8308% | 2,613 |
| Tier 1 risk-based capital ratio | 16.7947% | 2,310 |
| Total risk-based capital ratio | 17.6659% | 2,404 |
| Memoranda: | ||
| Average total assets | $75,349,000 | 4,902 |
| Average earning assets | $71,710,000 | 4,846 |
| Average equity | $8,127,000 | 5,002 |
| Average total loans | $41,222,330 | 4,929 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,714 |
| Cost of funding earning assets | 0.6366% | 1,119 |
| Net interest margin | 3.7917% | 2,316 |
| Noninterest income to average assets | 0.2395% | 5,028 |
| Noninterest expense to average assets | 1.5330% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.3208% | 200 |
| Return on assets (ROA) | 2.3208% | 207 |
| Pretax return on assets | 2.3208% | 307 |
| Return on Equity (ROE) | 21.7091% | 169 |
| Retained earnings to average equity (ytd only) | 21.7091% | 67 |
| Net charge-offs to loans | 0.1076% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 39.6364% | 1,014 |
| Efficiency ratio | 39.7790% | 5,970 |
| Assets per employee ($millions) | 4.7211% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 4,591 |
| Loan loss allowance to noncurrent loans | 33.2797% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.8971% | 947 |
| Noncurrent loans to loans | 3.0152% | 537 |
| Net loans and leases to total assets | 54.0708% | 4,445 |
| Net loans and leases to deposits | 67.6651% | 4,093 |
| Net loans and leases to core deposits | 86.1670% | 2,734 |
| Total domestic deposits to total assets | 79.9094% | 4,767 |
| Equity capital to assets | 10.9945% | 2,951 |
| Core capital (leverage) ratio | 10.9327% | 2,465 |
| Tier 1 risk-based capital ratio | 17.0126% | 2,286 |
| Total risk-based capital ratio | 17.8755% | 2,379 |
| Memoranda: | ||
| Average total assets | $75,146,500 | 4,952 |
| Average earning assets | $71,630,500 | 4,882 |
| Average equity | $8,033,500 | 5,052 |
| Average total loans | $40,892,000 | 4,979 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,464 |
| Cost of funding earning assets | 0.5764% | 1,537 |
| Net interest margin | 3.9711% | 1,808 |
| Noninterest income to average assets | 0.1508% | 5,660 |
| Noninterest expense to average assets | 1.6670% | 5,872 |
| Loan and lease loss provision to assets | 0.0539% | 3,236 |
| Net operating income to assets | 2.2151% | 245 |
| Return on assets (ROA) | 2.2555% | 230 |
| Pretax return on assets | 2.2555% | 309 |
| Return on Equity (ROE) | 20.8339% | 207 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | 0.1797% | 1,597 |
| Credit loss provision to net charge-offs | 55.5556% | 3,322 |
| Earnings coverage of net charge-offs (x) | 23.4028% | 1,732 |
| Efficiency ratio | 42.3537% | 6,017 |
| Assets per employee ($millions) | 4.6722% | 2,771 |
| Cash dividends to net income (ytd only)* | 100.0000% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 4,329 |
| Loan loss allowance to noncurrent loans | 35.0082% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6761% | 1,165 |
| Noncurrent loans to loans | 2.9956% | 538 |
| Net loans and leases to total assets | 53.6432% | 4,537 |
| Net loans and leases to deposits | 64.6644% | 4,421 |
| Net loans and leases to core deposits | 81.7504% | 3,174 |
| Total domestic deposits to total assets | 82.9563% | 3,845 |
| Equity capital to assets | 10.3833% | 3,512 |
| Core capital (leverage) ratio | 10.3306% | 3,124 |
| Tier 1 risk-based capital ratio | 17.4693% | 2,133 |
| Total risk-based capital ratio | 18.4301% | 2,180 |
| Memoranda: | ||
| Average total assets | $74,263,200 | 4,986 |
| Average earning assets | $70,787,200 | 4,918 |
| Average equity | $8,039,800 | 5,054 |
| Average total loans | $40,073,200 | 5,013 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,315 |
| Cost of funding earning assets | 0.5681% | 1,644 |
| Net interest margin | 4.0372% | 1,591 |
| Noninterest income to average assets | 0.2338% | 5,259 |
| Noninterest expense to average assets | 1.6653% | 5,928 |
| Loan and lease loss provision to assets | 0.0719% | 2,736 |
| Net operating income to assets | 2.3432% | 205 |
| Return on assets (ROA) | 2.3972% | 193 |
| Pretax return on assets | 2.3972% | 288 |
| Return on Equity (ROE) | 21.9168% | 191 |
| Retained earnings to average equity (ytd only) | 7.5303% | 1,428 |
| Net charge-offs to loans | 0.1968% | 1,298 |
| Credit loss provision to net charge-offs | 67.7966% | 2,806 |
| Earnings coverage of net charge-offs (x) | 22.7640% | 1,763 |
| Efficiency ratio | 40.8109% | 6,111 |
| Assets per employee ($millions) | 4.6483% | 2,771 |
| Cash dividends to net income (ytd only)* | 65.6415% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 4,315 |
| Loan loss allowance to noncurrent loans | 38.0870% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.7466% | 1,239 |
| Noncurrent loans to loans | 2.8477% | 645 |
| Net loans and leases to total assets | 53.7090% | 4,591 |
| Net loans and leases to deposits | 65.7314% | 4,405 |
| Net loans and leases to core deposits | 83.0129% | 3,155 |
| Total domestic deposits to total assets | 81.7098% | 4,252 |
| Equity capital to assets | 11.1694% | 2,825 |
| Core capital (leverage) ratio | 11.0454% | 2,440 |
| Tier 1 risk-based capital ratio | 18.4503% | 1,916 |
| Total risk-based capital ratio | 19.4377% | 1,950 |
| Memoranda: | ||
| Average total assets | $74,140,250 | 5,045 |
| Average earning assets | $70,641,500 | 4,981 |
| Average equity | $8,109,250 | 5,104 |
| Average total loans | $39,960,000 | 5,067 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,251 |
| Cost of funding earning assets | 0.5634% | 1,699 |
| Net interest margin | 4.0490% | 1,500 |
| Noninterest income to average assets | 0.2403% | 5,235 |
| Noninterest expense to average assets | 1.6365% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4466% | 179 |
| Return on assets (ROA) | 2.4466% | 189 |
| Pretax return on assets | 2.4466% | 265 |
| Return on Equity (ROE) | 22.5280% | 177 |
| Retained earnings to average equity (ytd only) | 0.7708% | 5,250 |
| Net charge-offs to loans | 0.0904% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 951 |
| Efficiency ratio | 40.0794% | 6,202 |
| Assets per employee ($millions) | 4.9189% | 2,374 |
| Cash dividends to net income (ytd only)* | 96.5784% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 4,320 |
| Loan loss allowance to noncurrent loans | 30.8287% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.2959% | 878 |
| Noncurrent loans to loans | 3.5691% | 485 |
| Net loans and leases to total assets | 53.4798% | 4,615 |
| Net loans and leases to deposits | 64.0703% | 4,527 |
| Net loans and leases to core deposits | 80.6339% | 3,317 |
| Total domestic deposits to total assets | 83.4704% | 3,771 |
| Equity capital to assets | 10.6258% | 3,292 |
| Core capital (leverage) ratio | 10.3718% | 3,114 |
| Tier 1 risk-based capital ratio | 17.8507% | 2,113 |
| Total risk-based capital ratio | 18.8609% | 2,133 |
| Memoranda: | ||
| Average total assets | $74,062,670 | 5,101 |
| Average earning assets | $70,288,330 | 5,032 |
| Average equity | $8,043,330 | 5,154 |
| Average total loans | $39,819,000 | 5,119 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,194 |
| Cost of funding earning assets | 0.5513% | 1,831 |
| Net interest margin | 4.0581% | 1,392 |
| Noninterest income to average assets | 0.2048% | 5,490 |
| Noninterest expense to average assets | 1.6064% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4474% | 169 |
| Return on assets (ROA) | 2.4474% | 180 |
| Pretax return on assets | 2.4474% | 264 |
| Return on Equity (ROE) | 22.2959% | 177 |
| Retained earnings to average equity (ytd only) | 22.2959% | 68 |
| Net charge-offs to loans | 0.0603% | 2,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 619 |
| Efficiency ratio | 39.6277% | 6,273 |
| Assets per employee ($millions) | 4.7177% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 4,400 |
| Loan loss allowance to noncurrent loans | 36.6965% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 1,500 |
| Noncurrent loans to loans | 3.0643% | 693 |
| Net loans and leases to total assets | 52.5363% | 4,609 |
| Net loans and leases to deposits | 64.0719% | 4,366 |
| Net loans and leases to core deposits | 80.0533% | 3,158 |
| Total domestic deposits to total assets | 81.9959% | 4,507 |
| Equity capital to assets | 11.1204% | 2,841 |
| Core capital (leverage) ratio | 10.9474% | 2,464 |
| Tier 1 risk-based capital ratio | 17.6657% | 2,247 |
| Total risk-based capital ratio | 18.6400% | 2,299 |
| Memoranda: | ||
| Average total assets | $74,202,500 | 5,145 |
| Average earning assets | $70,377,500 | 5,078 |
| Average equity | $8,145,000 | 5,181 |
| Average total loans | $39,779,500 | 5,148 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 864 |
| Cost of funding earning assets | 0.6618% | 1,326 |
| Net interest margin | 4.2759% | 1,098 |
| Noninterest income to average assets | 0.3262% | 4,786 |
| Noninterest expense to average assets | 1.6351% | 6,212 |
| Loan and lease loss provision to assets | 0.2943% | 699 |
| Net operating income to assets | 2.4415% | 162 |
| Return on assets (ROA) | 2.4415% | 166 |
| Pretax return on assets | 2.4415% | 212 |
| Return on Equity (ROE) | 21.7198% | 183 |
| Retained earnings to average equity (ytd only) | 0.7285% | 5,437 |
| Net charge-offs to loans | 0.3178% | 1,390 |
| Credit loss provision to net charge-offs | 172.3577% | 1,410 |
| Earnings coverage of net charge-offs (x) | 16.0244% | 2,044 |
| Efficiency ratio | 37.4087% | 6,429 |
| Assets per employee ($millions) | 4.5576% | 2,944 |
| Cash dividends to net income (ytd only)* | 96.6458% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,233 |
| Loan loss allowance to noncurrent loans | 82.9401% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 2,631 |
| Noncurrent loans to loans | 1.3966% | 2,101 |
| Net loans and leases to total assets | 53.4749% | 4,639 |
| Net loans and leases to deposits | 63.8206% | 4,543 |
| Net loans and leases to core deposits | 79.5638% | 3,341 |
| Total domestic deposits to total assets | 83.7895% | 3,807 |
| Equity capital to assets | 10.8280% | 3,090 |
| Core capital (leverage) ratio | 10.6915% | 2,727 |
| Tier 1 risk-based capital ratio | 16.9107% | 2,546 |
| Total risk-based capital ratio | 17.9110% | 2,597 |
| Memoranda: | ||
| Average total assets | $72,044,600 | 5,227 |
| Average earning assets | $68,150,000 | 5,165 |
| Average equity | $8,098,600 | 5,178 |
| Average total loans | $38,704,800 | 5,224 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 750 |
| Cost of funding earning assets | 0.6878% | 1,217 |
| Net interest margin | 4.3257% | 998 |
| Noninterest income to average assets | 0.3397% | 4,720 |
| Noninterest expense to average assets | 1.6261% | 6,267 |
| Loan and lease loss provision to assets | 0.1578% | 1,580 |
| Net operating income to assets | 2.6304% | 122 |
| Return on assets (ROA) | 2.6304% | 124 |
| Pretax return on assets | 2.6304% | 177 |
| Return on Equity (ROE) | 23.1836% | 149 |
| Retained earnings to average equity (ytd only) | 6.8226% | 1,914 |
| Net charge-offs to loans | 0.2873% | 1,371 |
| Credit loss provision to net charge-offs | 102.4096% | 2,154 |
| Earnings coverage of net charge-offs (x) | 18.0971% | 1,863 |
| Efficiency ratio | 36.8377% | 6,500 |
| Assets per employee ($millions) | 4.5706% | 2,854 |
| Cash dividends to net income (ytd only)* | 70.5715% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 5,486 |
| Loan loss allowance to noncurrent loans | 68.3333% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 2,502 |
| Noncurrent loans to loans | 1.3671% | 2,370 |
| Net loans and leases to total assets | 53.5096% | 4,635 |
| Net loans and leases to deposits | 65.3468% | 4,399 |
| Net loans and leases to core deposits | 81.8606% | 3,111 |
| Total domestic deposits to total assets | 81.8854% | 4,516 |
| Equity capital to assets | 11.3361% | 2,640 |
| Core capital (leverage) ratio | 11.1003% | 2,399 |
| Tier 1 risk-based capital ratio | 17.4952% | 2,398 |
| Total risk-based capital ratio | 18.2938% | 2,552 |
| Memoranda: | ||
| Average total assets | $71,825,250 | 5,287 |
| Average earning assets | $67,656,250 | 5,236 |
| Average equity | $8,149,250 | 5,206 |
| Average total loans | $38,518,000 | 5,283 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 678 |
| Cost of funding earning assets | 0.6972% | 1,202 |
| Net interest margin | 4.3559% | 931 |
| Noninterest income to average assets | 0.3390% | 4,717 |
| Noninterest expense to average assets | 1.6137% | 6,344 |
| Loan and lease loss provision to assets | 0.2381% | 952 |
| Net operating income to assets | 2.5830% | 124 |
| Return on assets (ROA) | 2.5830% | 128 |
| Pretax return on assets | 2.5830% | 184 |
| Return on Equity (ROE) | 22.7589% | 173 |
| Retained earnings to average equity (ytd only) | 10.4168% | 630 |
| Net charge-offs to loans | 0.4032% | 1,010 |
| Credit loss provision to net charge-offs | 110.3896% | 1,820 |
| Earnings coverage of net charge-offs (x) | 13.0779% | 2,003 |
| Efficiency ratio | 36.3866% | 6,575 |
| Assets per employee ($millions) | 5.1167% | 2,072 |
| Cash dividends to net income (ytd only)* | 54.2299% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 5,397 |
| Loan loss allowance to noncurrent loans | 68.7386% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 3,009 |
| Noncurrent loans to loans | 1.4405% | 2,396 |
| Net loans and leases to total assets | 52.4849% | 4,693 |
| Net loans and leases to deposits | 63.9394% | 4,508 |
| Net loans and leases to core deposits | 77.5660% | 3,489 |
| Total domestic deposits to total assets | 82.0853% | 4,612 |
| Equity capital to assets | 11.5839% | 2,348 |
| Core capital (leverage) ratio | 11.2845% | 2,166 |
| Tier 1 risk-based capital ratio | 18.6427% | 2,022 |
| Total risk-based capital ratio | 19.5092% | 2,111 |
| Memoranda: | ||
| Average total assets | $71,390,670 | 5,349 |
| Average earning assets | $67,127,670 | 5,295 |
| Average equity | $8,102,330 | 5,249 |
| Average total loans | $38,190,670 | 5,332 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 691 |
| Cost of funding earning assets | 0.6867% | 1,328 |
| Net interest margin | 4.3349% | 932 |
| Noninterest income to average assets | 0.3592% | 4,515 |
| Noninterest expense to average assets | 1.5883% | 6,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.8456% | 103 |
| Return on assets (ROA) | 2.8456% | 107 |
| Pretax return on assets | 2.8456% | 158 |
| Return on Equity (ROE) | 25.3357% | 113 |
| Retained earnings to average equity (ytd only) | 25.3357% | 56 |
| Net charge-offs to loans | 0.6162% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.5932% | 2,007 |
| Efficiency ratio | 35.8228% | 6,639 |
| Assets per employee ($millions) | 4.8061% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 6,087 |
| Loan loss allowance to noncurrent loans | 47.4006% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 2,961 |
| Noncurrent loans to loans | 1.7029% | 2,282 |
| Net loans and leases to total assets | 52.8429% | 4,559 |
| Net loans and leases to deposits | 64.0607% | 4,306 |
| Net loans and leases to core deposits | 74.9547% | 3,530 |
| Total domestic deposits to total assets | 82.4888% | 4,789 |
| Equity capital to assets | 11.5215% | 2,228 |
| Core capital (leverage) ratio | 11.6056% | 1,895 |
| Tier 1 risk-based capital ratio | 18.6274% | 2,085 |
| Total risk-based capital ratio | 19.3337% | 2,235 |
| Memoranda: | ||
| Average total assets | $71,269,000 | 5,403 |
| Average earning assets | $66,990,500 | 5,352 |
| Average equity | $8,004,500 | 5,288 |
| Average total loans | $38,299,500 | 5,383 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 761 |
| Cost of funding earning assets | 0.8417% | 985 |
| Net interest margin | 4.2568% | 1,201 |
| Noninterest income to average assets | 0.4527% | 4,075 |
| Noninterest expense to average assets | 1.4762% | 6,584 |
| Loan and lease loss provision to assets | 0.2639% | 1,346 |
| Net operating income to assets | 2.7581% | 131 |
| Return on assets (ROA) | 2.7456% | 133 |
| Pretax return on assets | 2.7456% | 156 |
| Return on Equity (ROE) | 24.4709% | 135 |
| Retained earnings to average equity (ytd only) | 0.9531% | 5,411 |
| Net charge-offs to loans | 0.9959% | 588 |
| Credit loss provision to net charge-offs | 50.8021% | 3,794 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 3,207 |
| Efficiency ratio | 32.8188% | 6,750 |
| Assets per employee ($millions) | 4.6965% | 2,595 |
| Cash dividends to net income (ytd only)* | 96.1052% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 5,713 |
| Loan loss allowance to noncurrent loans | 63.2933% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 3,033 |
| Noncurrent loans to loans | 1.5264% | 2,601 |
| Net loans and leases to total assets | 53.6928% | 4,624 |
| Net loans and leases to deposits | 65.6319% | 4,340 |
| Net loans and leases to core deposits | 77.6073% | 3,415 |
| Total domestic deposits to total assets | 81.8090% | 4,941 |
| Equity capital to assets | 10.9345% | 2,670 |
| Core capital (leverage) ratio | 10.7146% | 2,661 |
| Tier 1 risk-based capital ratio | 17.0552% | 2,584 |
| Total risk-based capital ratio | 17.8759% | 2,747 |
| Memoranda: | ||
| Average total assets | $72,007,200 | 5,416 |
| Average earning assets | $68,431,400 | 5,337 |
| Average equity | $8,079,000 | 5,314 |
| Average total loans | $37,553,600 | 5,442 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 828 |
| Cost of funding earning assets | 0.8665% | 962 |
| Net interest margin | 4.1966% | 1,343 |
| Noninterest income to average assets | 0.4880% | 3,888 |
| Noninterest expense to average assets | 1.4199% | 6,682 |
| Loan and lease loss provision to assets | 0.2836% | 1,218 |
| Net operating income to assets | 2.7717% | 134 |
| Return on assets (ROA) | 2.7717% | 138 |
| Pretax return on assets | 2.7717% | 172 |
| Return on Equity (ROE) | 24.5518% | 129 |
| Retained earnings to average equity (ytd only) | 4.9757% | 3,106 |
| Net charge-offs to loans | 0.9235% | 629 |
| Credit loss provision to net charge-offs | 59.4595% | 3,314 |
| Earnings coverage of net charge-offs (x) | 6.4055% | 2,981 |
| Efficiency ratio | 31.7284% | 6,821 |
| Assets per employee ($millions) | 5.1452% | 1,999 |
| Cash dividends to net income (ytd only)* | 79.7341% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 5,068 |
| Loan loss allowance to noncurrent loans | 104.9296% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 3,792 |
| Noncurrent loans to loans | 1.1061% | 3,582 |
| Net loans and leases to total assets | 52.8438% | 4,769 |
| Net loans and leases to deposits | 66.3824% | 4,256 |
| Net loans and leases to core deposits | 78.2184% | 3,331 |
| Total domestic deposits to total assets | 79.6052% | 5,607 |
| Equity capital to assets | 11.1268% | 2,637 |
| Core capital (leverage) ratio | 10.8821% | 2,585 |
| Tier 1 risk-based capital ratio | 17.1320% | 2,654 |
| Total risk-based capital ratio | 18.1017% | 2,727 |
| Memoranda: | ||
| Average total assets | $72,397,250 | 5,460 |
| Average earning assets | $68,784,250 | 5,386 |
| Average equity | $8,173,000 | 5,345 |
| Average total loans | $37,393,500 | 5,501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 969 |
| Cost of funding earning assets | 0.8858% | 961 |
| Net interest margin | 4.0775% | 1,608 |
| Noninterest income to average assets | 0.5599% | 3,442 |
| Noninterest expense to average assets | 1.4424% | 6,713 |
| Loan and lease loss provision to assets | 0.4247% | 710 |
| Net operating income to assets | 2.5649% | 158 |
| Return on assets (ROA) | 2.5649% | 171 |
| Pretax return on assets | 2.5649% | 258 |
| Return on Equity (ROE) | 22.6121% | 183 |
| Retained earnings to average equity (ytd only) | 10.4551% | 753 |
| Net charge-offs to loans | 1.3992% | 397 |
| Credit loss provision to net charge-offs | 59.4595% | 3,033 |
| Earnings coverage of net charge-offs (x) | 4.1853% | 3,195 |
| Efficiency ratio | 32.5451% | 6,865 |
| Assets per employee ($millions) | 4.8397% | 2,312 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,160 |
| Loan loss allowance to noncurrent loans | 62.4302% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3307% | 3,111 |
| Noncurrent loans to loans | 1.8699% | 2,533 |
| Net loans and leases to total assets | 52.1289% | 4,847 |
| Net loans and leases to deposits | 65.7544% | 4,291 |
| Net loans and leases to core deposits | 78.1799% | 3,265 |
| Total domestic deposits to total assets | 79.2782% | 5,757 |
| Equity capital to assets | 11.3989% | 2,378 |
| Core capital (leverage) ratio | 11.0885% | 2,274 |
| Tier 1 risk-based capital ratio | 17.3950% | 2,556 |
| Total risk-based capital ratio | 18.3644% | 2,643 |
| Memoranda: | ||
| Average total assets | $72,518,670 | 5,496 |
| Average earning assets | $68,866,330 | 5,424 |
| Average equity | $8,225,670 | 5,376 |
| Average total loans | $37,020,670 | 5,540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 1,098 |
| Cost of funding earning assets | 0.9002% | 984 |
| Net interest margin | 3.9958% | 1,808 |
| Noninterest income to average assets | 0.3256% | 5,100 |
| Noninterest expense to average assets | 1.3686% | 6,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.7538% | 124 |
| Return on assets (ROA) | 2.7538% | 131 |
| Pretax return on assets | 2.7538% | 197 |
| Return on Equity (ROE) | 24.3385% | 134 |
| Retained earnings to average equity (ytd only) | 24.3385% | 68 |
| Net charge-offs to loans | 1.1983% | 489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.5780% | 2,522 |
| Efficiency ratio | 33.1995% | 6,940 |
| Assets per employee ($millions) | 4.8147% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 5,074 |
| Loan loss allowance to noncurrent loans | 40.9806% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 2,555 |
| Noncurrent loans to loans | 2.9848% | 1,683 |
| Net loans and leases to total assets | 49.5341% | 5,045 |
| Net loans and leases to deposits | 62.0441% | 4,537 |
| Net loans and leases to core deposits | 74.1092% | 3,562 |
| Total domestic deposits to total assets | 79.8369% | 5,788 |
| Equity capital to assets | 11.7071% | 2,250 |
| Core capital (leverage) ratio | 11.1855% | 2,110 |
| Tier 1 risk-based capital ratio | 17.9990% | 2,361 |
| Total risk-based capital ratio | 18.9846% | 2,436 |
| Memoranda: | ||
| Average total assets | $72,480,500 | 5,548 |
| Average earning assets | $68,873,000 | 5,466 |
| Average equity | $8,201,000 | 5,434 |
| Average total loans | $36,386,000 | 5,601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 914 |
| Cost of funding earning assets | 1.0741% | 1,001 |
| Net interest margin | 4.2344% | 1,564 |
| Noninterest income to average assets | 0.1833% | 6,090 |
| Noninterest expense to average assets | 1.5909% | 6,815 |
| Loan and lease loss provision to assets | 0.0958% | 4,461 |
| Net operating income to assets | 2.5087% | 151 |
| Return on assets (ROA) | 2.5881% | 151 |
| Pretax return on assets | 2.5881% | 228 |
| Return on Equity (ROE) | 23.9949% | 154 |
| Retained earnings to average equity (ytd only) | 3.4496% | 3,800 |
| Net charge-offs to loans | 0.3846% | 2,714 |
| Credit loss provision to net charge-offs | 48.9510% | 4,725 |
| Earnings coverage of net charge-offs (x) | 13.3147% | 1,839 |
| Efficiency ratio | 37.9198% | 6,974 |
| Assets per employee ($millions) | 4.5463% | 2,888 |
| Cash dividends to net income (ytd only)* | 85.6237% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 3,695 |
| Loan loss allowance to noncurrent loans | 43.6464% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.9852% | 2,468 |
| Noncurrent loans to loans | 3.4660% | 1,443 |
| Net loans and leases to total assets | 49.4941% | 5,238 |
| Net loans and leases to deposits | 61.3531% | 4,858 |
| Net loans and leases to core deposits | 88.9597% | 1,971 |
| Total domestic deposits to total assets | 80.6709% | 5,493 |
| Equity capital to assets | 10.9252% | 3,040 |
| Core capital (leverage) ratio | 10.4165% | 2,864 |
| Tier 1 risk-based capital ratio | 16.5844% | 2,844 |
| Total risk-based capital ratio | 17.7925% | 2,842 |
| Memoranda: | ||
| Average total assets | $73,105,000 | 5,546 |
| Average earning assets | $69,265,200 | 5,456 |
| Average equity | $7,885,000 | 5,532 |
| Average total loans | $37,182,400 | 5,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 895 |
| Cost of funding earning assets | 1.0968% | 1,072 |
| Net interest margin | 4.2679% | 1,556 |
| Noninterest income to average assets | 0.1366% | 6,460 |
| Noninterest expense to average assets | 1.6995% | 6,790 |
| Loan and lease loss provision to assets | 0.1275% | 3,952 |
| Net operating income to assets | 2.3498% | 225 |
| Return on assets (ROA) | 2.4554% | 207 |
| Pretax return on assets | 2.4554% | 319 |
| Return on Equity (ROE) | 22.8387% | 199 |
| Retained earnings to average equity (ytd only) | 3.8629% | 4,173 |
| Net charge-offs to loans | 0.2357% | 3,310 |
| Credit loss provision to net charge-offs | 106.0606% | 2,769 |
| Earnings coverage of net charge-offs (x) | 20.6056% | 1,439 |
| Efficiency ratio | 40.6891% | 7,002 |
| Assets per employee ($millions) | 4.2434% | 3,380 |
| Cash dividends to net income (ytd only)* | 83.0862% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 3,124 |
| Loan loss allowance to noncurrent loans | 49.2947% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.0142% | 2,618 |
| Noncurrent loans to loans | 3.4648% | 1,569 |
| Net loans and leases to total assets | 50.1802% | 5,296 |
| Net loans and leases to deposits | 61.0119% | 5,084 |
| Net loans and leases to core deposits | 72.1067% | 4,236 |
| Total domestic deposits to total assets | 82.2465% | 4,934 |
| Equity capital to assets | 11.0150% | 3,256 |
| Core capital (leverage) ratio | 10.3491% | 3,108 |
| Tier 1 risk-based capital ratio | 17.3454% | 2,594 |
| Total risk-based capital ratio | 18.5980% | 2,555 |
| Memoranda: | ||
| Average total assets | $73,196,250 | 5,597 |
| Average earning assets | $69,291,000 | 5,519 |
| Average equity | $7,869,500 | 5,595 |
| Average total loans | $37,339,250 | 5,687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4994% | 723 |
| Cost of funding earning assets | 1.1304% | 1,093 |
| Net interest margin | 4.3691% | 1,284 |
| Noninterest income to average assets | 0.2910% | 5,476 |
| Noninterest expense to average assets | 1.5717% | 6,956 |
| Loan and lease loss provision to assets | 0.1903% | 3,193 |
| Net operating income to assets | 2.6595% | 140 |
| Return on assets (ROA) | 2.6459% | 153 |
| Pretax return on assets | 2.6459% | 243 |
| Return on Equity (ROE) | 24.8088% | 153 |
| Retained earnings to average equity (ytd only) | 4.4620% | 3,634 |
| Net charge-offs to loans | 0.3039% | 2,813 |
| Credit loss provision to net charge-offs | 122.8070% | 2,233 |
| Earnings coverage of net charge-offs (x) | 18.3860% | 1,490 |
| Efficiency ratio | 35.5474% | 7,126 |
| Assets per employee ($millions) | 4.6078% | 2,706 |
| Cash dividends to net income (ytd only)* | 82.0144% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 3,113 |
| Loan loss allowance to noncurrent loans | 84.0580% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 3,542 |
| Noncurrent loans to loans | 2.0562% | 2,882 |
| Net loans and leases to total assets | 49.2038% | 5,456 |
| Net loans and leases to deposits | 62.0531% | 4,986 |
| Net loans and leases to core deposits | 73.1513% | 4,146 |
| Total domestic deposits to total assets | 79.2930% | 5,901 |
| Equity capital to assets | 10.7550% | 3,388 |
| Core capital (leverage) ratio | 10.2577% | 3,087 |
| Tier 1 risk-based capital ratio | 16.5364% | 2,894 |
| Total risk-based capital ratio | 17.7879% | 2,855 |
| Memoranda: | ||
| Average total assets | $73,549,000 | 5,615 |
| Average earning assets | $69,534,330 | 5,537 |
| Average equity | $7,844,000 | 5,619 |
| Average total loans | $37,509,670 | 5,708 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 626 |
| Cost of funding earning assets | 1.1637% | 1,133 |
| Net interest margin | 4.4346% | 1,152 |
| Noninterest income to average assets | 0.2723% | 5,694 |
| Noninterest expense to average assets | 1.5246% | 7,040 |
| Loan and lease loss provision to assets | 0.3812% | 1,656 |
| Net operating income to assets | 2.5374% | 172 |
| Return on assets (ROA) | 2.5374% | 208 |
| Pretax return on assets | 2.5374% | 319 |
| Return on Equity (ROE) | 23.8928% | 216 |
| Retained earnings to average equity (ytd only) | 13.4846% | 623 |
| Net charge-offs to loans | 0.6030% | 1,584 |
| Credit loss provision to net charge-offs | 122.8070% | 1,946 |
| Earnings coverage of net charge-offs (x) | 9.4035% | 1,848 |
| Efficiency ratio | 34.3137% | 7,202 |
| Assets per employee ($millions) | 4.5246% | 2,948 |
| Cash dividends to net income (ytd only)* | 43.5622% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 3,277 |
| Loan loss allowance to noncurrent loans | 110.7639% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 4,048 |
| Noncurrent loans to loans | 1.5499% | 3,787 |
| Net loans and leases to total assets | 50.4531% | 5,243 |
| Net loans and leases to deposits | 63.9578% | 4,644 |
| Net loans and leases to core deposits | 75.6838% | 3,654 |
| Total domestic deposits to total assets | 78.8850% | 6,100 |
| Equity capital to assets | 11.0147% | 2,891 |
| Core capital (leverage) ratio | 10.5044% | 2,745 |
| Tier 1 risk-based capital ratio | 17.1599% | 2,619 |
| Total risk-based capital ratio | 18.4134% | 2,580 |
| Memoranda: | ||
| Average total assets | $73,461,500 | 5,665 |
| Average earning assets | $69,092,500 | 5,597 |
| Average equity | $7,801,500 | 5,656 |
| Average total loans | $37,808,000 | 5,742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8868% | 539 |
| Cost of funding earning assets | 1.2899% | 1,529 |
| Net interest margin | 4.5970% | 932 |
| Noninterest income to average assets | 0.3349% | 5,139 |
| Noninterest expense to average assets | 1.4968% | 7,168 |
| Loan and lease loss provision to assets | 0.0358% | 6,119 |
| Net operating income to assets | 3.1525% | 76 |
| Return on assets (ROA) | 3.2527% | 71 |
| Pretax return on assets | 3.2527% | 104 |
| Return on Equity (ROE) | 34.7947% | 26 |
| Retained earnings to average equity (ytd only) | 5.6486% | 2,208 |
| Net charge-offs to loans | 0.0759% | 5,561 |
| Credit loss provision to net charge-offs | 86.2069% | 4,193 |
| Earnings coverage of net charge-offs (x) | 76.8276% | 388 |
| Efficiency ratio | 31.9487% | 7,285 |
| Assets per employee ($millions) | 4.9686% | 2,243 |
| Cash dividends to net income (ytd only)* | 83.7659% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 3,487 |
| Loan loss allowance to noncurrent loans | 85.2660% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2948% | 4,055 |
| Noncurrent loans to loans | 1.9062% | 3,336 |
| Net loans and leases to total assets | 50.7561% | 5,492 |
| Net loans and leases to deposits | 68.5563% | 4,354 |
| Net loans and leases to core deposits | 82.1419% | 3,155 |
| Total domestic deposits to total assets | 74.0356% | 6,713 |
| Equity capital to assets | 10.2363% | 3,867 |
| Core capital (leverage) ratio | 10.3324% | 2,935 |
| Tier 1 risk-based capital ratio | 16.2209% | 2,947 |
| Total risk-based capital ratio | 17.4719% | 2,913 |
| Memoranda: | ||
| Average total assets | $69,881,400 | 5,743 |
| Average earning assets | $66,130,800 | 5,662 |
| Average equity | $6,532,600 | 6,008 |
| Average total loans | $38,216,400 | 5,772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0095% | 447 |
| Cost of funding earning assets | 1.3225% | 1,583 |
| Net interest margin | 4.6870% | 784 |
| Noninterest income to average assets | 0.3919% | 4,725 |
| Noninterest expense to average assets | 1.4843% | 7,237 |
| Loan and lease loss provision to assets | 0.0485% | 5,840 |
| Net operating income to assets | 3.3081% | 78 |
| Return on assets (ROA) | 3.3197% | 79 |
| Pretax return on assets | 3.3197% | 112 |
| Return on Equity (ROE) | 36.4509% | 29 |
| Retained earnings to average equity (ytd only) | 19.3225% | 85 |
| Net charge-offs to loans | 0.0210% | 5,861 |
| Credit loss provision to net charge-offs | 416.6667% | 678 |
| Earnings coverage of net charge-offs (x) | 288.3263% | 130 |
| Efficiency ratio | 30.6613% | 7,361 |
| Assets per employee ($millions) | 4.7006% | 2,621 |
| Cash dividends to net income (ytd only)* | 46.9898% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 3,379 |
| Loan loss allowance to noncurrent loans | 84.7059% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 3,899 |
| Noncurrent loans to loans | 1.9719% | 3,402 |
| Net loans and leases to total assets | 54.1023% | 5,146 |
| Net loans and leases to deposits | 75.4878% | 3,414 |
| Net loans and leases to core deposits | 80.5996% | 3,548 |
| Total domestic deposits to total assets | 71.6703% | 6,957 |
| Equity capital to assets | 9.6200% | 4,906 |
| Core capital (leverage) ratio | 9.1230% | 4,763 |
| Tier 1 risk-based capital ratio | 13.8885% | 4,424 |
| Total risk-based capital ratio | 15.1413% | 4,385 |
| Memoranda: | ||
| Average total assets | $68,719,500 | 5,823 |
| Average earning assets | $65,228,250 | 5,737 |
| Average equity | $6,258,500 | 6,127 |
| Average total loans | $38,157,250 | 5,831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0010% | 480 |
| Cost of funding earning assets | 1.3442% | 1,681 |
| Net interest margin | 4.6568% | 805 |
| Noninterest income to average assets | 0.3875% | 4,776 |
| Noninterest expense to average assets | 1.4122% | 7,350 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.3997% | 85 |
| Return on assets (ROA) | 3.4173% | 83 |
| Pretax return on assets | 3.4173% | 114 |
| Return on Equity (ROE) | 38.2664% | 38 |
| Retained earnings to average equity (ytd only) | 18.7387% | 120 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3472% | 7,442 |
| Assets per employee ($millions) | 4.6137% | 2,666 |
| Cash dividends to net income (ytd only)* | 51.0309% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 3,438 |
| Loan loss allowance to noncurrent loans | 99.3681% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 4,144 |
| Noncurrent loans to loans | 1.6757% | 3,915 |
| Net loans and leases to total assets | 53.6760% | 5,338 |
| Net loans and leases to deposits | 73.5788% | 3,869 |
| Net loans and leases to core deposits | 78.9757% | 3,935 |
| Total domestic deposits to total assets | 72.9503% | 6,929 |
| Equity capital to assets | 9.2319% | 5,230 |
| Core capital (leverage) ratio | 8.7784% | 5,082 |
| Tier 1 risk-based capital ratio | 13.2120% | 4,759 |
| Total risk-based capital ratio | 14.4639% | 4,735 |
| Memoranda: | ||
| Average total assets | $68,123,000 | 5,882 |
| Average earning assets | $64,722,670 | 5,795 |
| Average equity | $6,083,670 | 6,213 |
| Average total loans | $37,944,670 | 5,893 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0275% | 449 |
| Cost of funding earning assets | 1.3809% | 1,708 |
| Net interest margin | 4.6466% | 787 |
| Noninterest income to average assets | 0.4025% | 4,683 |
| Noninterest expense to average assets | 1.3672% | 7,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 3.4566% | 94 |
| Return on assets (ROA) | 3.4921% | 96 |
| Pretax return on assets | 3.4921% | 128 |
| Return on Equity (ROE) | 39.7909% | 45 |
| Retained earnings to average equity (ytd only) | 27.0443% | 79 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3436% | 7,500 |
| Assets per employee ($millions) | 4.5440% | 2,811 |
| Cash dividends to net income (ytd only)* | 32.0339% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 3,518 |
| Loan loss allowance to noncurrent loans | 287.2146% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7292% | 5,475 |
| Noncurrent loans to loans | 0.5752% | 5,876 |
| Net loans and leases to total assets | 54.9369% | 5,168 |
| Net loans and leases to deposits | 74.2426% | 3,723 |
| Net loans and leases to core deposits | 77.6078% | 4,078 |
| Total domestic deposits to total assets | 73.9965% | 6,901 |
| Equity capital to assets | 8.9745% | 5,240 |
| Core capital (leverage) ratio | 8.6801% | 5,120 |
| Tier 1 risk-based capital ratio | 12.6199% | 5,144 |
| Total risk-based capital ratio | 13.8719% | 5,124 |
| Memoranda: | ||
| Average total assets | $67,581,500 | 5,943 |
| Average earning assets | $64,305,500 | 5,849 |
| Average equity | $5,931,000 | 6,272 |
| Average total loans | $38,029,000 | 5,936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3811% | 399 |
| Cost of funding earning assets | 1.6390% | 1,869 |
| Net interest margin | 4.7420% | 745 |
| Noninterest income to average assets | 0.3187% | 5,513 |
| Noninterest expense to average assets | 1.6364% | 7,384 |
| Loan and lease loss provision to assets | 0.2329% | 4,950 |
| Net operating income to assets | 2.9312% | 78 |
| Return on assets (ROA) | 2.9312% | 78 |
| Pretax return on assets | 2.9312% | 127 |
| Return on Equity (ROE) | 32.2521% | 29 |
| Retained earnings to average equity (ytd only) | 3.4562% | 3,448 |
| Net charge-offs to loans | 0.1099% | 5,775 |
| Credit loss provision to net charge-offs | 370.7317% | 685 |
| Earnings coverage of net charge-offs (x) | 50.3659% | 463 |
| Efficiency ratio | 34.0887% | 7,557 |
| Assets per employee ($millions) | 4.4669% | 2,927 |
| Cash dividends to net income (ytd only)* | 89.2838% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 3,374 |
| Loan loss allowance to noncurrent loans | 235.5805% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 5,372 |
| Noncurrent loans to loans | 0.7029% | 5,643 |
| Net loans and leases to total assets | 55.7512% | 5,381 |
| Net loans and leases to deposits | 75.2473% | 3,971 |
| Net loans and leases to core deposits | 78.6918% | 4,376 |
| Total domestic deposits to total assets | 74.0907% | 6,884 |
| Equity capital to assets | 8.5742% | 5,756 |
| Core capital (leverage) ratio | 8.2385% | 5,770 |
| Tier 1 risk-based capital ratio | 11.8727% | 5,602 |
| Total risk-based capital ratio | 13.1240% | 5,581 |
| Memoranda: | ||
| Average total assets | $65,264,200 | 6,023 |
| Average earning assets | $61,682,200 | 5,935 |
| Average equity | $5,931,400 | 6,386 |
| Average total loans | $37,312,000 | 6,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4544% | 372 |
| Cost of funding earning assets | 1.6860% | 1,944 |
| Net interest margin | 4.7684% | 720 |
| Noninterest income to average assets | 0.3435% | 5,425 |
| Noninterest expense to average assets | 1.6083% | 7,497 |
| Loan and lease loss provision to assets | 0.2139% | 4,923 |
| Net operating income to assets | 3.0232% | 79 |
| Return on assets (ROA) | 3.0232% | 82 |
| Pretax return on assets | 3.0232% | 116 |
| Return on Equity (ROE) | 32.7860% | 34 |
| Retained earnings to average equity (ytd only) | 12.5345% | 394 |
| Net charge-offs to loans | 0.1472% | 5,129 |
| Credit loss provision to net charge-offs | 253.6585% | 1,313 |
| Earnings coverage of net charge-offs (x) | 38.3869% | 710 |
| Efficiency ratio | 33.1919% | 7,657 |
| Assets per employee ($millions) | 4.1404% | 3,570 |
| Cash dividends to net income (ytd only)* | 61.7689% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 3,642 |
| Loan loss allowance to noncurrent loans | 111.7308% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 4,662 |
| Noncurrent loans to loans | 1.4086% | 4,503 |
| Net loans and leases to total assets | 54.8471% | 5,726 |
| Net loans and leases to deposits | 72.6622% | 4,744 |
| Net loans and leases to core deposits | 77.1783% | 4,901 |
| Total domestic deposits to total assets | 75.4823% | 6,746 |
| Equity capital to assets | 9.4874% | 4,865 |
| Core capital (leverage) ratio | 8.8823% | 4,872 |
| Tier 1 risk-based capital ratio | 12.7690% | 4,761 |
| Total risk-based capital ratio | 14.0184% | 4,735 |
| Memoranda: | ||
| Average total assets | $64,829,500 | 6,106 |
| Average earning assets | $61,207,250 | 6,019 |
| Average equity | $5,978,000 | 6,453 |
| Average total loans | $37,144,000 | 6,137 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4738% | 353 |
| Cost of funding earning assets | 1.7187% | 2,022 |
| Net interest margin | 4.7551% | 715 |
| Noninterest income to average assets | 0.3139% | 5,652 |
| Noninterest expense to average assets | 1.6098% | 7,559 |
| Loan and lease loss provision to assets | 0.3232% | 3,806 |
| Net operating income to assets | 2.8777% | 95 |
| Return on assets (ROA) | 2.8777% | 96 |
| Pretax return on assets | 2.8777% | 144 |
| Return on Equity (ROE) | 31.5198% | 49 |
| Retained earnings to average equity (ytd only) | 7.4204% | 1,668 |
| Net charge-offs to loans | 0.1881% | 4,484 |
| Credit loss provision to net charge-offs | 297.1429% | 1,250 |
| Earnings coverage of net charge-offs (x) | 29.4286% | 932 |
| Efficiency ratio | 33.4625% | 7,721 |
| Assets per employee ($millions) | 4.1191% | 3,542 |
| Cash dividends to net income (ytd only)* | 76.4579% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,519 |
| Loan loss allowance to noncurrent loans | 113.7597% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 4,654 |
| Noncurrent loans to loans | 1.3924% | 4,615 |
| Net loans and leases to total assets | 55.3387% | 5,806 |
| Net loans and leases to deposits | 73.9087% | 4,689 |
| Net loans and leases to core deposits | 77.5385% | 5,019 |
| Total domestic deposits to total assets | 74.8744% | 6,868 |
| Equity capital to assets | 8.8794% | 5,630 |
| Core capital (leverage) ratio | 8.4091% | 5,563 |
| Tier 1 risk-based capital ratio | 12.0619% | 5,258 |
| Total risk-based capital ratio | 13.3117% | 5,223 |
| Memoranda: | ||
| Average total assets | $64,357,330 | 6,167 |
| Average earning assets | $60,860,670 | 6,068 |
| Average equity | $5,875,670 | 6,502 |
| Average total loans | $37,220,330 | 6,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5245% | 342 |
| Cost of funding earning assets | 1.7794% | 1,972 |
| Net interest margin | 4.7451% | 712 |
| Noninterest income to average assets | 0.4467% | 4,508 |
| Noninterest expense to average assets | 1.6734% | 7,599 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.2524% | 74 |
| Return on assets (ROA) | 3.2524% | 80 |
| Pretax return on assets | 3.2524% | 117 |
| Return on Equity (ROE) | 35.1253% | 52 |
| Retained earnings to average equity (ytd only) | 26.3609% | 91 |
| Net charge-offs to loans | 0.0107% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 52 |
| Efficiency ratio | 33.9719% | 7,817 |
| Assets per employee ($millions) | 3.9962% | 3,884 |
| Cash dividends to net income (ytd only)* | 24.9516% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,476 |
| Loan loss allowance to noncurrent loans | 258.5000% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 5,003 |
| Noncurrent loans to loans | 0.5371% | 6,219 |
| Net loans and leases to total assets | 57.4344% | 5,534 |
| Net loans and leases to deposits | 76.0704% | 4,399 |
| Net loans and leases to core deposits | 79.8691% | 4,776 |
| Total domestic deposits to total assets | 75.5017% | 6,832 |
| Equity capital to assets | 9.5372% | 4,471 |
| Core capital (leverage) ratio | 8.8867% | 4,746 |
| Tier 1 risk-based capital ratio | 12.5780% | 4,662 |
| Total risk-based capital ratio | 13.7306% | 4,722 |
| Memoranda: | ||
| Average total assets | $63,583,500 | 6,257 |
| Average earning assets | $60,019,500 | 6,169 |
| Average equity | $5,887,500 | 6,560 |
| Average total loans | $37,301,500 | 6,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7974% | 384 |
| Cost of funding earning assets | 2.2236% | 1,928 |
| Net interest margin | 4.5738% | 1,030 |
| Noninterest income to average assets | 0.4299% | 4,960 |
| Noninterest expense to average assets | 1.6337% | 7,748 |
| Loan and lease loss provision to assets | 0.0973% | 6,643 |
| Net operating income to assets | 3.0339% | 56 |
| Return on assets (ROA) | 3.2350% | 52 |
| Pretax return on assets | 3.2350% | 78 |
| Return on Equity (ROE) | 36.0918% | 26 |
| Retained earnings to average equity (ytd only) | 0.1448% | 4,821 |
| Net charge-offs to loans | -0.0082% | 7,738 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2867% | 7,910 |
| Assets per employee ($millions) | 4.2152% | 3,409 |
| Cash dividends to net income (ytd only)* | 99.5988% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 4,305 |
| Loan loss allowance to noncurrent loans | 278.4946% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 4,750 |
| Noncurrent loans to loans | 0.4978% | 6,256 |
| Net loans and leases to total assets | 58.2732% | 5,616 |
| Net loans and leases to deposits | 75.9159% | 4,756 |
| Net loans and leases to core deposits | 106.3409% | 3,297 |
| Total domestic deposits to total assets | 76.7603% | 6,539 |
| Equity capital to assets | 8.9786% | 5,177 |
| Core capital (leverage) ratio | 8.4109% | 5,416 |
| Tier 1 risk-based capital ratio | 11.6894% | 5,208 |
| Total risk-based capital ratio | 12.8421% | 5,261 |
| Memoranda: | ||
| Average total assets | $61,637,600 | 6,285 |
| Average earning assets | $58,419,800 | 6,203 |
| Average equity | $5,524,800 | 6,764 |
| Average total loans | $36,712,200 | 6,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8208% | 401 |
| Cost of funding earning assets | 2.2828% | 2,054 |
| Net interest margin | 4.5380% | 1,102 |
| Noninterest income to average assets | 0.4441% | 4,941 |
| Noninterest expense to average assets | 1.5980% | 7,831 |
| Loan and lease loss provision to assets | 0.1306% | 6,049 |
| Net operating income to assets | 3.0219% | 61 |
| Return on assets (ROA) | 3.2897% | 54 |
| Pretax return on assets | 3.2897% | 84 |
| Return on Equity (ROE) | 36.7179% | 31 |
| Retained earnings to average equity (ytd only) | 11.0566% | 464 |
| Net charge-offs to loans | -0.0109% | 7,694 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6389% | 7,991 |
| Assets per employee ($millions) | 4.4175% | 3,000 |
| Cash dividends to net income (ytd only)* | 69.8871% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 3,855 |
| Loan loss allowance to noncurrent loans | 124.5192% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,783 |
| Noncurrent loans to loans | 1.1379% | 5,043 |
| Net loans and leases to total assets | 58.2763% | 5,849 |
| Net loans and leases to deposits | 74.5357% | 5,288 |
| Net loans and leases to core deposits | 104.2672% | 3,906 |
| Total domestic deposits to total assets | 78.1858% | 6,025 |
| Equity capital to assets | 9.7389% | 4,437 |
| Core capital (leverage) ratio | 9.2465% | 4,270 |
| Tier 1 risk-based capital ratio | 12.9280% | 4,247 |
| Total risk-based capital ratio | 14.1027% | 4,231 |
| Memoranda: | ||
| Average total assets | $61,240,000 | 6,348 |
| Average earning assets | $58,115,250 | 6,250 |
| Average equity | $5,486,750 | 6,851 |
| Average total loans | $36,549,500 | 6,314 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8477% | 412 |
| Cost of funding earning assets | 2.3515% | 2,155 |
| Net interest margin | 4.4962% | 1,176 |
| Noninterest income to average assets | 0.3997% | 5,284 |
| Noninterest expense to average assets | 1.5826% | 7,922 |
| Loan and lease loss provision to assets | 0.1966% | 5,094 |
| Net operating income to assets | 2.8933% | 69 |
| Return on assets (ROA) | 3.2668% | 53 |
| Pretax return on assets | 3.2668% | 83 |
| Return on Equity (ROE) | 37.5659% | 36 |
| Retained earnings to average equity (ytd only) | 2.9390% | 3,692 |
| Net charge-offs to loans | 0.0164% | 6,297 |
| Credit loss provision to net charge-offs | 2,000.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 314.3333% | 122 |
| Efficiency ratio | 33.8710% | 8,085 |
| Assets per employee ($millions) | 4.3366% | 3,042 |
| Cash dividends to net income (ytd only)* | 92.1765% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 3,655 |
| Loan loss allowance to noncurrent loans | 198.4496% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4297% | 4,105 |
| Noncurrent loans to loans | 0.7128% | 5,810 |
| Net loans and leases to total assets | 58.7726% | 5,863 |
| Net loans and leases to deposits | 75.2960% | 5,277 |
| Net loans and leases to core deposits | 104.2084% | 4,042 |
| Total domestic deposits to total assets | 78.0554% | 6,061 |
| Equity capital to assets | 8.9603% | 5,374 |
| Core capital (leverage) ratio | 8.6449% | 5,188 |
| Tier 1 risk-based capital ratio | 12.0672% | 4,859 |
| Total risk-based capital ratio | 13.2274% | 4,859 |
| Memoranda: | ||
| Average total assets | $61,038,330 | 6,409 |
| Average earning assets | $58,005,000 | 6,313 |
| Average equity | $5,308,000 | 6,963 |
| Average total loans | $36,546,330 | 6,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7752% | 505 |
| Cost of funding earning assets | 2.3917% | 2,329 |
| Net interest margin | 4.3836% | 1,386 |
| Noninterest income to average assets | 0.8170% | 2,248 |
| Noninterest expense to average assets | 1.5947% | 7,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.3790% | 51 |
| Return on assets (ROA) | 3.3790% | 59 |
| Pretax return on assets | 3.3790% | 89 |
| Return on Equity (ROE) | 39.4506% | 46 |
| Retained earnings to average equity (ytd only) | 32.2014% | 42 |
| Net charge-offs to loans | -0.0109% | 7,291 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0631% | 8,141 |
| Assets per employee ($millions) | 4.7774% | 2,325 |
| Cash dividends to net income (ytd only)* | 18.3752% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,423 |
| Loan loss allowance to noncurrent loans | 147.5728% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.5892% | 3,536 |
| Noncurrent loans to loans | 0.8478% | 5,328 |
| Net loans and leases to total assets | 57.9525% | 5,945 |
| Net loans and leases to deposits | 75.5373% | 5,287 |
| Net loans and leases to core deposits | 105.4494% | 3,977 |
| Total domestic deposits to total assets | 76.7204% | 6,356 |
| Equity capital to assets | 8.7592% | 5,680 |
| Core capital (leverage) ratio | 9.2676% | 4,292 |
| Tier 1 risk-based capital ratio | 12.7388% | 4,354 |
| Total risk-based capital ratio | 13.7634% | 4,457 |
| Memoranda: | ||
| Average total assets | $61,201,500 | 6,430 |
| Average earning assets | $58,035,000 | 6,338 |
| Average equity | $5,242,000 | 7,041 |
| Average total loans | $36,722,500 | 6,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8378% | 1,559 |
| Cost of funding earning assets | 3.0475% | 1,696 |
| Net interest margin | 3.7904% | 4,062 |
| Noninterest income to average assets | 0.5229% | 4,446 |
| Noninterest expense to average assets | 1.5807% | 7,982 |
| Loan and lease loss provision to assets | 0.0564% | 6,708 |
| Net operating income to assets | 2.4779% | 133 |
| Return on assets (ROA) | 2.2472% | 212 |
| Pretax return on assets | 2.2472% | 360 |
| Return on Equity (ROE) | 24.9355% | 141 |
| Retained earnings to average equity (ytd only) | 2.4651% | 3,659 |
| Net charge-offs to loans | 0.0459% | 6,129 |
| Credit loss provision to net charge-offs | 194.1176% | 2,522 |
| Earnings coverage of net charge-offs (x) | 87.2353% | 485 |
| Efficiency ratio | 38.4136% | 8,152 |
| Assets per employee ($millions) | 4.3069% | 2,946 |
| Cash dividends to net income (ytd only)* | 90.1141% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,312 |
| Loan loss allowance to noncurrent loans | 207.7626% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.4876% | 3,246 |
| Noncurrent loans to loans | 0.5919% | 5,603 |
| Net loans and leases to total assets | 60.6033% | 5,824 |
| Net loans and leases to deposits | 79.4253% | 5,146 |
| Net loans and leases to core deposits | 111.1510% | 3,659 |
| Total domestic deposits to total assets | 76.3023% | 6,166 |
| Equity capital to assets | 8.3653% | 6,315 |
| Core capital (leverage) ratio | 8.8855% | 4,917 |
| Tier 1 risk-based capital ratio | 12.2648% | 4,616 |
| Total risk-based capital ratio | 13.3283% | 4,640 |
| Memoranda: | ||
| Average total assets | $58,517,200 | 6,430 |
| Average earning assets | $55,456,200 | 6,354 |
| Average equity | $5,273,600 | 7,054 |
| Average total loans | $37,022,000 | 6,316 |