Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 3,812 |
| Cost of funding earning assets | 1.2550% | 2,269 |
| Net interest margin | 2.7659% | 3,785 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.7909% | 1,453 |
| Loan and lease loss provision to assets | 10.3700% | 2 |
| Net operating income to assets | -10.0007% | 4,627 |
| Return on assets (ROA) | -10.0028% | 4,627 |
| Pretax return on assets | -10.0028% | 4,626 |
| Return on Equity (ROE) | -596.7900% | 4,607 |
| Retained earnings to average equity (ytd only) | -596.7891% | 4,594 |
| Net charge-offs to loans | 15.2456% | 5 |
| Credit loss provision to net charge-offs | 111.4325% | 1,539 |
| Earnings coverage of net charge-offs (x) | 0.0396% | 2,569 |
| Efficiency ratio | 88.3436% | 431 |
| Assets per employee ($millions) | 6.5558% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7859% | 62 |
| Loan loss allowance to noncurrent loans | 39.2838% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 5.9566% | 22 |
| Noncurrent loans to loans | 9.6374% | 12 |
| Net loans and leases to total assets | 56.1300% | 3,191 |
| Net loans and leases to deposits | 62.4453% | 3,375 |
| Net loans and leases to core deposits | 67.2398% | 3,364 |
| Total domestic deposits to total assets | 89.8900% | 972 |
| Equity capital to assets | -4.4892% | 4,635 |
| Core capital (leverage) ratio | 0.0127% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 1.2922% | 2,910 |
| Memoranda: | ||
| Average total assets | $61,914,250 | 4,208 |
| Average earning assets | $59,387,500 | 4,162 |
| Average equity | $1,037,750 | 4,543 |
| Average total loans | $37,789,250 | 4,040 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,460 |
| Cost of funding earning assets | 1.0289% | 2,507 |
| Net interest margin | 3.0868% | 3,254 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.8884% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9529% | 2,573 |
| Return on assets (ROA) | 0.9529% | 2,564 |
| Pretax return on assets | 0.9529% | 3,039 |
| Return on Equity (ROE) | 24.8900% | 390 |
| Retained earnings to average equity (ytd only) | 24.8888% | 127 |
| Net charge-offs to loans | 2.5084% | 31 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.6097% | 2,398 |
| Efficiency ratio | 75.1931% | 1,244 |
| Assets per employee ($millions) | 4.6498% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 693 |
| Loan loss allowance to noncurrent loans | 17.9395% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 7.0490% | 22 |
| Noncurrent loans to loans | 9.6802% | 14 |
| Net loans and leases to total assets | 65.5300% | 2,208 |
| Net loans and leases to deposits | 75.7183% | 2,339 |
| Net loans and leases to core deposits | 81.6176% | 2,361 |
| Total domestic deposits to total assets | 86.5400% | 2,081 |
| Equity capital to assets | 3.5452% | 4,541 |
| Core capital (leverage) ratio | 8.0972% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5194% | 2,761 |
| Memoranda: | ||
| Average total assets | $60,657,333 | 4,245 |
| Average earning assets | $58,507,667 | 4,194 |
| Average equity | $2,322,333 | 4,520 |
| Average total loans | $37,793,333 | 4,051 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 2,857 |
| Cost of funding earning assets | 0.7763% | 2,820 |
| Net interest margin | 3.5002% | 2,364 |
| Noninterest income to average assets | 1.1500% | 470 |
| Noninterest expense to average assets | 2.8636% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6655% | 877 |
| Return on assets (ROA) | 1.6655% | 877 |
| Pretax return on assets | 1.6655% | 1,348 |
| Return on Equity (ROE) | 41.9600% | 104 |
| Retained earnings to average equity (ytd only) | 41.9569% | 54 |
| Net charge-offs to loans | 0.3941% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.0278% | 1,768 |
| Efficiency ratio | 63.2267% | 2,542 |
| Assets per employee ($millions) | 5.1551% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4853% | 224 |
| Loan loss allowance to noncurrent loans | 22.7848% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 6.7312% | 10 |
| Noncurrent loans to loans | 10.9078% | 9 |
| Net loans and leases to total assets | 58.2300% | 2,850 |
| Net loans and leases to deposits | 60.7137% | 3,293 |
| Net loans and leases to core deposits | 64.0509% | 3,342 |
| Total domestic deposits to total assets | 95.9000% | 56 |
| Equity capital to assets | 4.0316% | 4,542 |
| Core capital (leverage) ratio | 8.1918% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5488% | 2,558 |
| Memoranda: | ||
| Average total assets | $60,762,000 | 4,299 |
| Average earning assets | $58,739,500 | 4,251 |
| Average equity | $2,412,000 | 4,580 |
| Average total loans | $36,535,500 | 4,122 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 2,612 |
| Cost of funding earning assets | 0.3005% | 2,870 |
| Net interest margin | 3.3692% | 2,349 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.2635% | 2,855 |
| Loan and lease loss provision to assets | 0.5100% | 117 |
| Net operating income to assets | 0.8561% | 3,129 |
| Return on assets (ROA) | 0.8561% | 3,065 |
| Pretax return on assets | 0.9126% | 3,320 |
| Return on Equity (ROE) | 18.2100% | 674 |
| Retained earnings to average equity (ytd only) | 8.5187% | 1,636 |
| Net charge-offs to loans | 1.7548% | 39 |
| Credit loss provision to net charge-offs | 59.3466% | 1,781 |
| Earnings coverage of net charge-offs (x) | 1.6479% | 2,532 |
| Efficiency ratio | 61.3453% | 2,866 |
| Assets per employee ($millions) | 4.9719% | 3,706 |
| Cash dividends to net income (ytd only)* | 53.2110% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 938 |
| Loan loss allowance to noncurrent loans | 13.7550% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 7.3597% | 8 |
| Noncurrent loans to loans | 11.7701% | 6 |
| Net loans and leases to total assets | 59.5800% | 2,680 |
| Net loans and leases to deposits | 62.3623% | 3,169 |
| Net loans and leases to core deposits | 65.5245% | 3,166 |
| Total domestic deposits to total assets | 95.5400% | 104 |
| Equity capital to assets | 3.9053% | 4,528 |
| Core capital (leverage) ratio | 8.0460% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0645% | 2,345 |
| Memoranda: | ||
| Average total assets | $63,661,800 | 4,299 |
| Average earning assets | $56,570,600 | 4,302 |
| Average equity | $2,993,400 | 4,612 |
| Average total loans | $31,399,600 | 4,219 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 2,490 |
| Cost of funding earning assets | 0.3459% | 1,741 |
| Net interest margin | 3.1937% | 2,642 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.1527% | 3,067 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1630% | 1,844 |
| Return on assets (ROA) | 1.1630% | 1,818 |
| Pretax return on assets | 1.1877% | 2,415 |
| Return on Equity (ROE) | 23.8000% | 226 |
| Retained earnings to average equity (ytd only) | 11.5636% | 901 |
| Net charge-offs to loans | 2.4137% | 21 |
| Credit loss provision to net charge-offs | 8.5923% | 1,664 |
| Earnings coverage of net charge-offs (x) | 1.1389% | 2,278 |
| Efficiency ratio | 62.6275% | 2,749 |
| Assets per employee ($millions) | 5.1628% | 3,541 |
| Cash dividends to net income (ytd only)* | 51.4184% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,771 |
| Loan loss allowance to noncurrent loans | 9.2266% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 5.2000% | 14 |
| Noncurrent loans to loans | 10.0713% | 12 |
| Net loans and leases to total assets | 49.0900% | 3,523 |
| Net loans and leases to deposits | 50.7549% | 3,805 |
| Net loans and leases to core deposits | 53.1767% | 3,799 |
| Total domestic deposits to total assets | 96.7100% | 90 |
| Equity capital to assets | 3.2064% | 4,576 |
| Core capital (leverage) ratio | 8.2418% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4827% | 2,658 |
| Memoranda: | ||
| Average total assets | $64,661,500 | 4,318 |
| Average earning assets | $56,276,000 | 4,342 |
| Average equity | $3,159,250 | 4,643 |
| Average total loans | $30,216,000 | 4,264 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 2,001 |
| Cost of funding earning assets | 0.3340% | 1,406 |
| Net interest margin | 3.2130% | 2,145 |
| Noninterest income to average assets | 0.5576% | 1,912 |
| Noninterest expense to average assets | 2.1866% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1058% | 1,754 |
| Return on assets (ROA) | 1.1058% | 1,730 |
| Pretax return on assets | 1.1434% | 2,262 |
| Return on Equity (ROE) | 20.2003% | 293 |
| Retained earnings to average equity (ytd only) | 3.6052% | 3,233 |
| Net charge-offs to loans | 3.2462% | 16 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.7700% | 2,092 |
| Efficiency ratio | 65.6632% | 2,560 |
| Assets per employee ($millions) | 4.9429% | 3,724 |
| Cash dividends to net income (ytd only)* | 82.1530% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,171 |
| Loan loss allowance to noncurrent loans | 22.6658% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.3001% | 99 |
| Noncurrent loans to loans | 4.8438% | 69 |
| Net loans and leases to total assets | 46.9638% | 3,629 |
| Net loans and leases to deposits | 49.7453% | 3,818 |
| Net loans and leases to core deposits | 52.3905% | 3,796 |
| Total domestic deposits to total assets | 94.4085% | 215 |
| Equity capital to assets | 4.2049% | 4,602 |
| Core capital (leverage) ratio | 7.7301% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0622% | 2,470 |
| Memoranda: | ||
| Average total assets | $63,843,333 | 4,370 |
| Average earning assets | $55,088,667 | 4,414 |
| Average equity | $3,495,000 | 4,656 |
| Average total loans | $29,203,667 | 4,333 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3047% | 2,378 |
| Cost of funding earning assets | 0.3334% | 1,337 |
| Net interest margin | 2.9713% | 2,594 |
| Noninterest income to average assets | 0.5846% | 1,758 |
| Noninterest expense to average assets | 2.2629% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8423% | 2,514 |
| Return on assets (ROA) | 0.8423% | 2,507 |
| Pretax return on assets | 0.8423% | 2,969 |
| Return on Equity (ROE) | 13.7736% | 878 |
| Retained earnings to average equity (ytd only) | -16.0349% | 4,656 |
| Net charge-offs to loans | 6.6692% | 5 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.2815% | 1,774 |
| Efficiency ratio | 72.8745% | 1,871 |
| Assets per employee ($millions) | 5.1004% | 3,668 |
| Cash dividends to net income (ytd only)* | 216.4179% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,895 |
| Loan loss allowance to noncurrent loans | 66.4671% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 738 |
| Noncurrent loans to loans | 1.7943% | 431 |
| Net loans and leases to total assets | 41.6077% | 3,905 |
| Net loans and leases to deposits | 43.7807% | 4,078 |
| Net loans and leases to core deposits | 45.9035% | 4,077 |
| Total domestic deposits to total assets | 95.0366% | 39 |
| Equity capital to assets | 4.8956% | 4,731 |
| Core capital (leverage) ratio | 7.4669% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9353% | 2,629 |
| Memoranda: | ||
| Average total assets | $63,636,000 | 4,394 |
| Average earning assets | $53,984,000 | 4,442 |
| Average equity | $3,891,500 | 4,658 |
| Average total loans | $28,549,000 | 4,361 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0900% | 3,702 |
| Cost of funding earning assets | 0.3888% | 1,619 |
| Net interest margin | 2.7012% | 3,866 |
| Noninterest income to average assets | 1.2973% | 634 |
| Noninterest expense to average assets | 2.4075% | 2,469 |
| Loan and lease loss provision to assets | 0.4264% | 149 |
| Net operating income to assets | 0.7610% | 3,455 |
| Return on assets (ROA) | 0.7610% | 3,523 |
| Pretax return on assets | 0.8102% | 3,701 |
| Return on Equity (ROE) | 9.9001% | 2,556 |
| Retained earnings to average equity (ytd only) | 2.1123% | 3,958 |
| Net charge-offs to loans | 0.1955% | 499 |
| Credit loss provision to net charge-offs | 464.2857% | 833 |
| Earnings coverage of net charge-offs (x) | 13.4643% | 2,075 |
| Efficiency ratio | 66.0666% | 2,250 |
| Assets per employee ($millions) | 4.3548% | 4,228 |
| Cash dividends to net income (ytd only)* | 78.6638% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7727% | 193 |
| Loan loss allowance to noncurrent loans | 174.7300% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 807 |
| Noncurrent loans to loans | 1.5869% | 556 |
| Net loans and leases to total assets | 46.5301% | 3,650 |
| Net loans and leases to deposits | 51.0583% | 3,797 |
| Net loans and leases to core deposits | 53.2872% | 3,808 |
| Total domestic deposits to total assets | 91.1313% | 447 |
| Equity capital to assets | 7.4417% | 4,612 |
| Core capital (leverage) ratio | 7.6902% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6579% | 2,383 |
| Memoranda: | ||
| Average total assets | $60,975,000 | 4,445 |
| Average earning assets | $52,976,800 | 4,476 |
| Average equity | $4,686,800 | 4,656 |
| Average total loans | $28,644,200 | 4,403 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9948% | 4,012 |
| Cost of funding earning assets | 0.3980% | 1,707 |
| Net interest margin | 2.5969% | 4,134 |
| Noninterest income to average assets | 1.4475% | 582 |
| Noninterest expense to average assets | 2.3134% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3753% | 1,613 |
| Return on assets (ROA) | 1.3753% | 1,666 |
| Pretax return on assets | 1.4169% | 2,266 |
| Return on Equity (ROE) | 17.7519% | 653 |
| Retained earnings to average equity (ytd only) | 7.4507% | 2,248 |
| Net charge-offs to loans | 0.2759% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.9831% | 2,017 |
| Efficiency ratio | 62.0164% | 2,695 |
| Assets per employee ($millions) | 4.7010% | 3,966 |
| Cash dividends to net income (ytd only)* | 58.0286% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 716 |
| Loan loss allowance to noncurrent loans | 160.1173% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 1,103 |
| Noncurrent loans to loans | 1.2102% | 922 |
| Net loans and leases to total assets | 41.9835% | 4,094 |
| Net loans and leases to deposits | 46.1887% | 4,224 |
| Net loans and leases to core deposits | 48.0364% | 4,237 |
| Total domestic deposits to total assets | 90.8956% | 401 |
| Equity capital to assets | 7.2340% | 4,769 |
| Core capital (leverage) ratio | 8.4782% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5880% | 2,132 |
| Memoranda: | ||
| Average total assets | $60,977,000 | 4,503 |
| Average earning assets | $53,602,000 | 4,527 |
| Average equity | $4,724,250 | 4,721 |
| Average total loans | $28,511,000 | 4,463 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 4,286 |
| Cost of funding earning assets | 0.4506% | 1,514 |
| Net interest margin | 2.4008% | 4,418 |
| Noninterest income to average assets | 1.7687% | 401 |
| Noninterest expense to average assets | 2.2673% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6710% | 918 |
| Return on assets (ROA) | 1.6710% | 970 |
| Pretax return on assets | 1.6912% | 1,501 |
| Return on Equity (ROE) | 21.0526% | 380 |
| Retained earnings to average equity (ytd only) | 12.7759% | 766 |
| Net charge-offs to loans | 0.4123% | 201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.5085% | 1,878 |
| Efficiency ratio | 57.2766% | 3,366 |
| Assets per employee ($millions) | 4.8754% | 3,771 |
| Cash dividends to net income (ytd only)* | 39.3145% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 699 |
| Loan loss allowance to noncurrent loans | 86.0979% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3127% | 488 |
| Noncurrent loans to loans | 2.2401% | 397 |
| Net loans and leases to total assets | 47.3686% | 3,790 |
| Net loans and leases to deposits | 53.1593% | 3,915 |
| Net loans and leases to core deposits | 56.1026% | 3,883 |
| Total domestic deposits to total assets | 89.1069% | 1,224 |
| Equity capital to assets | 8.2950% | 4,357 |
| Core capital (leverage) ratio | 8.4218% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7964% | 1,691 |
| Memoranda: | ||
| Average total assets | $59,364,667 | 4,544 |
| Average earning assets | $54,149,000 | 4,544 |
| Average equity | $4,712,000 | 4,753 |
| Average total loans | $28,622,333 | 4,494 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9122% | 4,237 |
| Cost of funding earning assets | 0.5349% | 1,183 |
| Net interest margin | 2.3773% | 4,439 |
| Noninterest income to average assets | 1.5052% | 593 |
| Noninterest expense to average assets | 2.2945% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3513% | 1,679 |
| Return on assets (ROA) | 1.3513% | 1,768 |
| Pretax return on assets | 1.3513% | 2,426 |
| Return on Equity (ROE) | 17.4082% | 793 |
| Retained earnings to average equity (ytd only) | 0.6033% | 4,286 |
| Net charge-offs to loans | 0.8749% | 90 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.2063% | 1,772 |
| Efficiency ratio | 62.9358% | 2,616 |
| Assets per employee ($millions) | 4.8476% | 3,804 |
| Cash dividends to net income (ytd only)* | 96.5347% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 685 |
| Loan loss allowance to noncurrent loans | 111.9835% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 899 |
| Noncurrent loans to loans | 1.7321% | 691 |
| Net loans and leases to total assets | 43.4805% | 4,147 |
| Net loans and leases to deposits | 48.1015% | 4,259 |
| Net loans and leases to core deposits | 51.0223% | 4,243 |
| Total domestic deposits to total assets | 90.3934% | 619 |
| Equity capital to assets | 7.2121% | 4,797 |
| Core capital (leverage) ratio | 8.2647% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5456% | 2,474 |
| Memoranda: | ||
| Average total assets | $59,794,500 | 4,560 |
| Average earning assets | $53,842,000 | 4,566 |
| Average equity | $4,641,500 | 4,780 |
| Average total loans | $28,804,500 | 4,517 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 3,638 |
| Cost of funding earning assets | 0.6849% | 1,807 |
| Net interest margin | 2.9922% | 3,909 |
| Noninterest income to average assets | 0.8500% | 1,396 |
| Noninterest expense to average assets | 2.3715% | 3,200 |
| Loan and lease loss provision to assets | 0.5964% | 341 |
| Net operating income to assets | 0.6168% | 3,690 |
| Return on assets (ROA) | 0.7322% | 3,451 |
| Pretax return on assets | 0.7732% | 3,694 |
| Return on Equity (ROE) | 8.5087% | 2,600 |
| Retained earnings to average equity (ytd only) | 1.0376% | 4,214 |
| Net charge-offs to loans | 0.4546% | 362 |
| Credit loss provision to net charge-offs | 249.2537% | 1,945 |
| Earnings coverage of net charge-offs (x) | 5.2164% | 2,887 |
| Efficiency ratio | 65.5155% | 2,603 |
| Assets per employee ($millions) | 4.7161% | 3,704 |
| Cash dividends to net income (ytd only)* | 87.8049% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 555 |
| Loan loss allowance to noncurrent loans | 104.3478% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 717 |
| Noncurrent loans to loans | 1.9394% | 609 |
| Net loans and leases to total assets | 51.3279% | 3,721 |
| Net loans and leases to deposits | 58.9388% | 3,833 |
| Net loans and leases to core deposits | 64.7425% | 3,645 |
| Total domestic deposits to total assets | 87.0867% | 1,897 |
| Equity capital to assets | 8.4180% | 4,502 |
| Core capital (leverage) ratio | 7.8304% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4219% | 1,710 |
| Memoranda: | ||
| Average total assets | $55,999,200 | 4,570 |
| Average earning assets | $51,835,000 | 4,561 |
| Average equity | $4,818,600 | 4,771 |
| Average total loans | $29,477,600 | 4,526 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,260 |
| Cost of funding earning assets | 0.7112% | 1,957 |
| Net interest margin | 3.1873% | 3,519 |
| Noninterest income to average assets | 0.8904% | 1,256 |
| Noninterest expense to average assets | 2.3658% | 3,234 |
| Loan and lease loss provision to assets | 0.5497% | 495 |
| Net operating income to assets | 0.8755% | 2,789 |
| Return on assets (ROA) | 1.0313% | 2,350 |
| Pretax return on assets | 1.0695% | 2,854 |
| Return on Equity (ROE) | 11.9196% | 1,393 |
| Retained earnings to average equity (ytd only) | 1.9866% | 3,935 |
| Net charge-offs to loans | 0.5843% | 248 |
| Credit loss provision to net charge-offs | 178.2946% | 2,188 |
| Earnings coverage of net charge-offs (x) | 4.7287% | 2,793 |
| Efficiency ratio | 61.8988% | 3,095 |
| Assets per employee ($millions) | 5.0802% | 3,143 |
| Cash dividends to net income (ytd only)* | 83.3333% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 988 |
| Loan loss allowance to noncurrent loans | 53.8710% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 461 |
| Noncurrent loans to loans | 3.0582% | 300 |
| Net loans and leases to total assets | 49.0617% | 4,150 |
| Net loans and leases to deposits | 56.0535% | 4,254 |
| Net loans and leases to core deposits | 60.8475% | 4,161 |
| Total domestic deposits to total assets | 87.5267% | 1,432 |
| Equity capital to assets | 7.9115% | 4,743 |
| Core capital (leverage) ratio | 8.8067% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5507% | 1,637 |
| Memoranda: | ||
| Average total assets | $55,850,750 | 4,589 |
| Average earning assets | $51,370,000 | 4,584 |
| Average equity | $4,832,250 | 4,799 |
| Average total loans | $29,435,000 | 4,551 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 3,164 |
| Cost of funding earning assets | 0.7712% | 1,990 |
| Net interest margin | 3.2885% | 3,414 |
| Noninterest income to average assets | 0.5688% | 2,261 |
| Noninterest expense to average assets | 2.4452% | 3,122 |
| Loan and lease loss provision to assets | 0.8495% | 273 |
| Net operating income to assets | 0.2946% | 4,434 |
| Return on assets (ROA) | 0.5282% | 4,020 |
| Pretax return on assets | 0.5651% | 4,127 |
| Return on Equity (ROE) | 5.9148% | 3,543 |
| Retained earnings to average equity (ytd only) | 5.9148% | 2,118 |
| Net charge-offs to loans | 1.2023% | 113 |
| Credit loss provision to net charge-offs | 131.4286% | 2,228 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 2,823 |
| Efficiency ratio | 67.7584% | 2,270 |
| Assets per employee ($millions) | 4.7382% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,204 |
| Loan loss allowance to noncurrent loans | 96.3983% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 1,179 |
| Noncurrent loans to loans | 1.5781% | 944 |
| Net loans and leases to total assets | 51.8045% | 4,041 |
| Net loans and leases to deposits | 60.3153% | 4,099 |
| Net loans and leases to core deposits | 67.2212% | 3,910 |
| Total domestic deposits to total assets | 85.8894% | 2,067 |
| Equity capital to assets | 8.8202% | 4,242 |
| Core capital (leverage) ratio | 8.8801% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5019% | 1,632 |
| Memoranda: | ||
| Average total assets | $54,147,000 | 4,635 |
| Average earning assets | $50,052,667 | 4,622 |
| Average equity | $4,835,333 | 4,825 |
| Average total loans | $29,110,000 | 4,578 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 3,122 |
| Cost of funding earning assets | 0.7878% | 2,460 |
| Net interest margin | 3.4415% | 3,181 |
| Noninterest income to average assets | 0.5834% | 2,112 |
| Noninterest expense to average assets | 2.7050% | 2,696 |
| Loan and lease loss provision to assets | 1.7427% | 84 |
| Net operating income to assets | -0.7501% | 4,962 |
| Return on assets (ROA) | -0.4395% | 4,893 |
| Pretax return on assets | -0.4092% | 4,865 |
| Return on Equity (ROE) | -4.8888% | 4,917 |
| Retained earnings to average equity (ytd only) | -4.8888% | 4,509 |
| Net charge-offs to loans | 2.5218% | 51 |
| Credit loss provision to net charge-offs | 127.0718% | 1,684 |
| Earnings coverage of net charge-offs (x) | 0.7459% | 2,444 |
| Efficiency ratio | 72.5610% | 1,996 |
| Assets per employee ($millions) | 4.2198% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 1,061 |
| Loan loss allowance to noncurrent loans | 77.0154% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 958 |
| Noncurrent loans to loans | 2.0817% | 662 |
| Net loans and leases to total assets | 50.2342% | 4,232 |
| Net loans and leases to deposits | 58.2958% | 4,277 |
| Net loans and leases to core deposits | 65.6447% | 4,103 |
| Total domestic deposits to total assets | 86.1713% | 1,934 |
| Equity capital to assets | 8.7956% | 4,694 |
| Core capital (leverage) ratio | 8.8212% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5675% | 1,731 |
| Memoranda: | ||
| Average total assets | $52,791,500 | 4,671 |
| Average earning assets | $48,234,500 | 4,673 |
| Average equity | $4,745,500 | 4,870 |
| Average total loans | $28,710,000 | 4,624 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 4,000 |
| Cost of funding earning assets | 0.8085% | 2,639 |
| Net interest margin | 3.3098% | 3,967 |
| Noninterest income to average assets | 0.6237% | 2,113 |
| Noninterest expense to average assets | 2.5100% | 3,421 |
| Loan and lease loss provision to assets | 0.3377% | 463 |
| Net operating income to assets | 0.9288% | 3,097 |
| Return on assets (ROA) | 0.9288% | 3,173 |
| Pretax return on assets | 0.9576% | 3,580 |
| Return on Equity (ROE) | 10.8050% | 1,966 |
| Retained earnings to average equity (ytd only) | 4.1077% | 2,919 |
| Net charge-offs to loans | 0.0668% | 2,131 |
| Credit loss provision to net charge-offs | 926.3158% | 372 |
| Earnings coverage of net charge-offs (x) | 35.5263% | 1,411 |
| Efficiency ratio | 65.9607% | 2,774 |
| Assets per employee ($millions) | 3.9020% | 4,029 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,675 |
| Loan loss allowance to noncurrent loans | 79.3651% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 970 |
| Noncurrent loans to loans | 1.7135% | 802 |
| Net loans and leases to total assets | 57.1975% | 3,830 |
| Net loans and leases to deposits | 68.2458% | 3,800 |
| Net loans and leases to core deposits | 78.6010% | 3,406 |
| Total domestic deposits to total assets | 83.8111% | 2,906 |
| Equity capital to assets | 9.1984% | 4,569 |
| Core capital (leverage) ratio | 8.8375% | 4,649 |
| Tier 1 risk-based capital ratio | 14.7189% | 2,896 |
| Total risk-based capital ratio | 15.9684% | 2,822 |
| Memoranda: | ||
| Average total assets | $52,111,000 | 4,716 |
| Average earning assets | $50,094,200 | 4,668 |
| Average equity | $4,479,400 | 4,947 |
| Average total loans | $28,424,200 | 4,675 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 4,278 |
| Cost of funding earning assets | 0.8085% | 2,670 |
| Net interest margin | 3.2338% | 4,225 |
| Noninterest income to average assets | 0.5770% | 2,325 |
| Noninterest expense to average assets | 2.3968% | 3,692 |
| Loan and lease loss provision to assets | 0.0254% | 3,387 |
| Net operating income to assets | 1.2403% | 2,051 |
| Return on assets (ROA) | 1.2403% | 2,130 |
| Pretax return on assets | 1.2658% | 2,764 |
| Return on Equity (ROE) | 14.6782% | 854 |
| Retained earnings to average equity (ytd only) | 5.6547% | 2,533 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9897% | 2,860 |
| Assets per employee ($millions) | 4.2393% | 3,560 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,059 |
| Loan loss allowance to noncurrent loans | 80.5732% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 1,766 |
| Noncurrent loans to loans | 1.1122% | 1,427 |
| Net loans and leases to total assets | 50.7684% | 4,382 |
| Net loans and leases to deposits | 59.5184% | 4,402 |
| Net loans and leases to core deposits | 68.3665% | 4,146 |
| Total domestic deposits to total assets | 85.2988% | 2,297 |
| Equity capital to assets | 8.4448% | 5,022 |
| Core capital (leverage) ratio | 9.6188% | 4,052 |
| Tier 1 risk-based capital ratio | 14.9109% | 2,897 |
| Total risk-based capital ratio | 15.7292% | 3,006 |
| Memoranda: | ||
| Average total assets | $52,457,250 | 4,782 |
| Average earning assets | $50,465,000 | 4,735 |
| Average equity | $4,432,750 | 5,018 |
| Average total loans | $28,176,750 | 4,745 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 4,206 |
| Cost of funding earning assets | 0.8398% | 2,450 |
| Net interest margin | 3.2425% | 4,262 |
| Noninterest income to average assets | 0.5080% | 2,631 |
| Noninterest expense to average assets | 2.3229% | 3,946 |
| Loan and lease loss provision to assets | 0.0388% | 3,041 |
| Net operating income to assets | 1.2526% | 1,948 |
| Return on assets (ROA) | 1.2526% | 2,004 |
| Pretax return on assets | 1.2759% | 2,651 |
| Return on Equity (ROE) | 14.8199% | 800 |
| Retained earnings to average equity (ytd only) | 6.5611% | 2,026 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8593% | 3,156 |
| Assets per employee ($millions) | 3.5527% | 4,433 |
| Cash dividends to net income (ytd only)* | 55.7276% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,116 |
| Loan loss allowance to noncurrent loans | 109.0517% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 1,969 |
| Noncurrent loans to loans | 0.8199% | 1,952 |
| Net loans and leases to total assets | 56.3814% | 4,053 |
| Net loans and leases to deposits | 67.0196% | 4,025 |
| Net loans and leases to core deposits | 77.3856% | 3,620 |
| Total domestic deposits to total assets | 84.1268% | 2,804 |
| Equity capital to assets | 9.3128% | 4,566 |
| Core capital (leverage) ratio | 8.9110% | 4,702 |
| Tier 1 risk-based capital ratio | 14.8330% | 2,902 |
| Total risk-based capital ratio | 15.6551% | 3,032 |
| Memoranda: | ||
| Average total assets | $51,572,670 | 4,828 |
| Average earning assets | $49,776,670 | 4,776 |
| Average equity | $4,359,000 | 5,063 |
| Average total loans | $28,158,330 | 4,783 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 4,512 |
| Cost of funding earning assets | 0.8780% | 2,111 |
| Net interest margin | 3.0453% | 4,682 |
| Noninterest income to average assets | 0.4801% | 2,677 |
| Noninterest expense to average assets | 2.2938% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1202% | 2,390 |
| Return on assets (ROA) | 1.1202% | 2,440 |
| Pretax return on assets | 1.1202% | 3,091 |
| Return on Equity (ROE) | 13.9254% | 987 |
| Retained earnings to average equity (ytd only) | 2.5577% | 3,907 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1875% | 2,763 |
| Assets per employee ($millions) | 4.4842% | 3,215 |
| Cash dividends to net income (ytd only)* | 81.6327% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,274 |
| Loan loss allowance to noncurrent loans | 120.2970% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 2,296 |
| Noncurrent loans to loans | 0.7225% | 2,216 |
| Net loans and leases to total assets | 51.5090% | 4,376 |
| Net loans and leases to deposits | 60.6937% | 4,374 |
| Net loans and leases to core deposits | 68.8638% | 4,136 |
| Total domestic deposits to total assets | 84.8671% | 2,729 |
| Equity capital to assets | 8.0580% | 5,162 |
| Core capital (leverage) ratio | 8.6541% | 4,912 |
| Tier 1 risk-based capital ratio | 14.8642% | 2,932 |
| Total risk-based capital ratio | 15.6761% | 3,062 |
| Memoranda: | ||
| Average total assets | $52,490,000 | 4,864 |
| Average earning assets | $50,569,000 | 4,818 |
| Average equity | $4,222,500 | 5,120 |
| Average total loans | $28,089,500 | 4,839 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,512 |
| Cost of funding earning assets | 0.6809% | 2,207 |
| Net interest margin | 3.1088% | 4,637 |
| Noninterest income to average assets | 0.5848% | 2,378 |
| Noninterest expense to average assets | 2.4800% | 3,669 |
| Loan and lease loss provision to assets | 0.0489% | 3,206 |
| Net operating income to assets | 1.0133% | 2,953 |
| Return on assets (ROA) | 1.0171% | 2,924 |
| Pretax return on assets | 1.0601% | 3,409 |
| Return on Equity (ROE) | 13.0712% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.0219% | 3,353 |
| Net charge-offs to loans | 0.1201% | 1,537 |
| Credit loss provision to net charge-offs | 80.6452% | 2,852 |
| Earnings coverage of net charge-offs (x) | 18.2258% | 2,149 |
| Efficiency ratio | 69.1762% | 2,353 |
| Assets per employee ($millions) | 4.2642% | 3,521 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,324 |
| Loan loss allowance to noncurrent loans | 167.5862% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,557 |
| Noncurrent loans to loans | 0.5138% | 2,740 |
| Net loans and leases to total assets | 54.6727% | 4,234 |
| Net loans and leases to deposits | 69.5868% | 3,859 |
| Net loans and leases to core deposits | 77.7630% | 3,602 |
| Total domestic deposits to total assets | 78.5675% | 4,396 |
| Equity capital to assets | 8.0301% | 5,154 |
| Core capital (leverage) ratio | 9.0485% | 4,604 |
| Tier 1 risk-based capital ratio | 14.3251% | 3,155 |
| Total risk-based capital ratio | 15.1122% | 3,282 |
| Memoranda: | ||
| Average total assets | $51,128,200 | 4,913 |
| Average earning assets | $49,343,200 | 4,869 |
| Average equity | $3,978,200 | 5,185 |
| Average total loans | $25,811,800 | 4,915 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,630 |
| Cost of funding earning assets | 0.6432% | 2,184 |
| Net interest margin | 3.0647% | 4,763 |
| Noninterest income to average assets | 0.5451% | 2,586 |
| Noninterest expense to average assets | 2.4805% | 3,650 |
| Loan and lease loss provision to assets | 0.0522% | 2,939 |
| Net operating income to assets | 0.9236% | 3,415 |
| Return on assets (ROA) | 0.9285% | 3,406 |
| Pretax return on assets | 0.9755% | 3,797 |
| Return on Equity (ROE) | 12.0302% | 1,779 |
| Retained earnings to average equity (ytd only) | 2.9061% | 4,269 |
| Net charge-offs to loans | 0.1587% | 1,042 |
| Credit loss provision to net charge-offs | 66.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | 13.0663% | 2,397 |
| Efficiency ratio | 70.8116% | 2,071 |
| Assets per employee ($millions) | 4.0734% | 3,778 |
| Cash dividends to net income (ytd only)* | 75.8433% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,154 |
| Loan loss allowance to noncurrent loans | 241.4141% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,066 |
| Noncurrent loans to loans | 0.3837% | 3,278 |
| Net loans and leases to total assets | 48.2740% | 4,702 |
| Net loans and leases to deposits | 55.7390% | 4,762 |
| Net loans and leases to core deposits | 61.9995% | 4,612 |
| Total domestic deposits to total assets | 86.6072% | 1,914 |
| Equity capital to assets | 7.2931% | 5,350 |
| Core capital (leverage) ratio | 8.8604% | 4,838 |
| Tier 1 risk-based capital ratio | 15.1752% | 2,801 |
| Total risk-based capital ratio | 16.0094% | 2,910 |
| Memoranda: | ||
| Average total assets | $51,117,750 | 4,969 |
| Average earning assets | $49,334,250 | 4,919 |
| Average equity | $3,945,500 | 5,250 |
| Average total loans | $25,210,000 | 4,989 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,586 |
| Cost of funding earning assets | 0.6262% | 2,065 |
| Net interest margin | 3.0736% | 4,778 |
| Noninterest income to average assets | 0.5425% | 2,611 |
| Noninterest expense to average assets | 2.5344% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9349% | 3,306 |
| Return on assets (ROA) | 0.9425% | 3,270 |
| Pretax return on assets | 0.9900% | 3,692 |
| Return on Equity (ROE) | 11.9799% | 1,730 |
| Retained earnings to average equity (ytd only) | 2.9195% | 4,084 |
| Net charge-offs to loans | 0.0480% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 1,262 |
| Efficiency ratio | 72.0721% | 2,001 |
| Assets per employee ($millions) | 3.7509% | 4,282 |
| Cash dividends to net income (ytd only)* | 75.6303% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,046 |
| Loan loss allowance to noncurrent loans | 165.3061% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 2,619 |
| Noncurrent loans to loans | 0.5831% | 2,672 |
| Net loans and leases to total assets | 51.1977% | 4,528 |
| Net loans and leases to deposits | 60.7731% | 4,488 |
| Net loans and leases to core deposits | 69.9378% | 4,149 |
| Total domestic deposits to total assets | 84.2439% | 2,973 |
| Equity capital to assets | 8.0637% | 5,202 |
| Core capital (leverage) ratio | 8.6689% | 4,979 |
| Tier 1 risk-based capital ratio | 14.9981% | 2,876 |
| Total risk-based capital ratio | 15.8419% | 2,990 |
| Memoranda: | ||
| Average total assets | $50,505,670 | 5,039 |
| Average earning assets | $48,868,330 | 4,987 |
| Average equity | $3,973,330 | 5,301 |
| Average total loans | $25,012,670 | 5,056 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5520% | 4,790 |
| Cost of funding earning assets | 0.5947% | 2,093 |
| Net interest margin | 2.9573% | 4,942 |
| Noninterest income to average assets | 0.5216% | 2,675 |
| Noninterest expense to average assets | 2.5848% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7561% | 3,889 |
| Return on assets (ROA) | 0.7708% | 3,825 |
| Pretax return on assets | 0.8175% | 4,105 |
| Return on Equity (ROE) | 9.9149% | 2,480 |
| Retained earnings to average equity (ytd only) | 0.9014% | 4,652 |
| Net charge-offs to loans | 0.0803% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,461 |
| Efficiency ratio | 76.3218% | 1,554 |
| Assets per employee ($millions) | 4.1418% | 3,741 |
| Cash dividends to net income (ytd only)* | 90.9091% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,983 |
| Loan loss allowance to noncurrent loans | 77.4603% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,981 |
| Noncurrent loans to loans | 1.2876% | 1,397 |
| Net loans and leases to total assets | 44.9826% | 4,850 |
| Net loans and leases to deposits | 51.2593% | 4,914 |
| Net loans and leases to core deposits | 57.9537% | 4,756 |
| Total domestic deposits to total assets | 87.7551% | 1,757 |
| Equity capital to assets | 7.3250% | 5,469 |
| Core capital (leverage) ratio | 8.6111% | 5,053 |
| Tier 1 risk-based capital ratio | 14.8257% | 2,965 |
| Total risk-based capital ratio | 15.6727% | 3,071 |
| Memoranda: | ||
| Average total assets | $51,377,500 | 5,088 |
| Average earning assets | $49,774,500 | 5,032 |
| Average equity | $3,994,000 | 5,353 |
| Average total loans | $24,915,000 | 5,111 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 4,867 |
| Cost of funding earning assets | 0.5918% | 1,659 |
| Net interest margin | 2.8553% | 5,099 |
| Noninterest income to average assets | 0.5720% | 2,595 |
| Noninterest expense to average assets | 2.4780% | 3,857 |
| Loan and lease loss provision to assets | 0.0140% | 4,007 |
| Net operating income to assets | 0.7840% | 3,232 |
| Return on assets (ROA) | 0.7840% | 3,270 |
| Pretax return on assets | 0.8300% | 4,164 |
| Return on Equity (ROE) | 9.6690% | 2,024 |
| Retained earnings to average equity (ytd only) | 3.0092% | 3,497 |
| Net charge-offs to loans | 0.0128% | 3,634 |
| Credit loss provision to net charge-offs | 233.3333% | 1,189 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 496 |
| Efficiency ratio | 74.5936% | 1,810 |
| Assets per employee ($millions) | 3.4937% | 4,706 |
| Cash dividends to net income (ytd only)* | 68.8776% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 4,043 |
| Loan loss allowance to noncurrent loans | 200.8065% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,922 |
| Noncurrent loans to loans | 0.4888% | 3,051 |
| Net loans and leases to total assets | 51.3514% | 4,568 |
| Net loans and leases to deposits | 63.8216% | 4,328 |
| Net loans and leases to core deposits | 72.1546% | 4,036 |
| Total domestic deposits to total assets | 80.4608% | 4,258 |
| Equity capital to assets | 8.2679% | 5,274 |
| Core capital (leverage) ratio | 8.9643% | 4,692 |
| Tier 1 risk-based capital ratio | 15.0044% | 2,855 |
| Total risk-based capital ratio | 15.8810% | 2,947 |
| Memoranda: | ||
| Average total assets | $49,999,200 | 5,158 |
| Average earning assets | $48,156,200 | 5,104 |
| Average equity | $4,054,200 | 5,413 |
| Average total loans | $23,457,200 | 5,212 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3866% | 4,979 |
| Cost of funding earning assets | 0.5842% | 1,650 |
| Net interest margin | 2.8024% | 5,210 |
| Noninterest income to average assets | 0.5517% | 2,718 |
| Noninterest expense to average assets | 2.4958% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7135% | 3,904 |
| Return on assets (ROA) | 0.7135% | 3,968 |
| Pretax return on assets | 0.7532% | 4,472 |
| Return on Equity (ROE) | 8.8411% | 2,705 |
| Retained earnings to average equity (ytd only) | -0.0328% | 5,213 |
| Net charge-offs to loans | 0.0058% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 284.7068% | 319 |
| Efficiency ratio | 76.8163% | 1,482 |
| Assets per employee ($millions) | 3.5683% | 4,624 |
| Cash dividends to net income (ytd only)* | 100.3708% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,818 |
| Loan loss allowance to noncurrent loans | 126.4249% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 2,823 |
| Noncurrent loans to loans | 0.8265% | 2,299 |
| Net loans and leases to total assets | 43.1723% | 5,069 |
| Net loans and leases to deposits | 50.3815% | 5,115 |
| Net loans and leases to core deposits | 56.2800% | 4,990 |
| Total domestic deposits to total assets | 85.6908% | 2,431 |
| Equity capital to assets | 7.6768% | 5,597 |
| Core capital (leverage) ratio | 8.8582% | 4,915 |
| Tier 1 risk-based capital ratio | 14.3640% | 3,257 |
| Total risk-based capital ratio | 15.2108% | 3,385 |
| Memoranda: | ||
| Average total assets | $50,271,000 | 5,206 |
| Average earning assets | $48,385,750 | 5,156 |
| Average equity | $4,056,750 | 5,474 |
| Average total loans | $22,980,000 | 5,279 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 4,955 |
| Cost of funding earning assets | 0.5821% | 1,561 |
| Net interest margin | 2.8303% | 5,201 |
| Noninterest income to average assets | 0.5164% | 2,921 |
| Noninterest expense to average assets | 2.5332% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6628% | 4,011 |
| Return on assets (ROA) | 0.6628% | 4,069 |
| Pretax return on assets | 0.7116% | 4,520 |
| Return on Equity (ROE) | 8.0706% | 2,989 |
| Retained earnings to average equity (ytd only) | -0.8417% | 5,212 |
| Net charge-offs to loans | 0.0088% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 448 |
| Efficiency ratio | 78.0702% | 1,453 |
| Assets per employee ($millions) | 3.0007% | 5,268 |
| Cash dividends to net income (ytd only)* | 110.4294% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,740 |
| Loan loss allowance to noncurrent loans | 268.1319% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,439 |
| Noncurrent loans to loans | 0.3986% | 3,600 |
| Net loans and leases to total assets | 47.0434% | 4,880 |
| Net loans and leases to deposits | 57.1609% | 4,791 |
| Net loans and leases to core deposits | 64.3953% | 4,575 |
| Total domestic deposits to total assets | 82.2999% | 3,808 |
| Equity capital to assets | 8.6084% | 5,221 |
| Core capital (leverage) ratio | 8.4531% | 5,254 |
| Tier 1 risk-based capital ratio | 16.2829% | 2,398 |
| Total risk-based capital ratio | 17.2466% | 2,451 |
| Memoranda: | ||
| Average total assets | $49,186,330 | 5,271 |
| Average earning assets | $47,415,670 | 5,207 |
| Average equity | $4,039,330 | 5,520 |
| Average total loans | $22,856,000 | 5,321 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2985% | 5,103 |
| Cost of funding earning assets | 0.5595% | 1,650 |
| Net interest margin | 2.7390% | 5,339 |
| Noninterest income to average assets | 0.5224% | 2,825 |
| Noninterest expense to average assets | 2.4993% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6108% | 4,110 |
| Return on assets (ROA) | 0.6108% | 4,168 |
| Pretax return on assets | 0.6590% | 4,566 |
| Return on Equity (ROE) | 7.6143% | 3,110 |
| Retained earnings to average equity (ytd only) | -1.4026% | 5,114 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1349% | 1,469 |
| Assets per employee ($millions) | 3.2338% | 5,120 |
| Cash dividends to net income (ytd only)* | 118.4211% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,678 |
| Loan loss allowance to noncurrent loans | 188.4615% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 3,352 |
| Noncurrent loans to loans | 0.5874% | 3,048 |
| Net loans and leases to total assets | 42.2980% | 5,143 |
| Net loans and leases to deposits | 49.6653% | 5,149 |
| Net loans and leases to core deposits | 55.1996% | 5,015 |
| Total domestic deposits to total assets | 85.1662% | 3,018 |
| Equity capital to assets | 7.7889% | 5,603 |
| Core capital (leverage) ratio | 8.5901% | 5,159 |
| Tier 1 risk-based capital ratio | 15.5393% | 2,739 |
| Total risk-based capital ratio | 16.4620% | 2,802 |
| Memoranda: | ||
| Average total assets | $49,774,000 | 5,313 |
| Average earning assets | $47,900,500 | 5,250 |
| Average equity | $3,992,500 | 5,586 |
| Average total loans | $22,869,000 | 5,378 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5286% | 4,707 |
| Cost of funding earning assets | 0.5943% | 1,381 |
| Net interest margin | 2.9343% | 5,075 |
| Noninterest income to average assets | 0.5785% | 2,767 |
| Noninterest expense to average assets | 2.5458% | 3,855 |
| Loan and lease loss provision to assets | 0.0337% | 3,689 |
| Net operating income to assets | 0.7933% | 3,340 |
| Return on assets (ROA) | 0.8341% | 3,245 |
| Pretax return on assets | 0.8479% | 4,020 |
| Return on Equity (ROE) | 9.8678% | 2,016 |
| Retained earnings to average equity (ytd only) | 1.4298% | 4,691 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1902% | 2,112 |
| Assets per employee ($millions) | 2.9880% | 5,362 |
| Cash dividends to net income (ytd only)* | 85.5107% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,090 |
| Loan loss allowance to noncurrent loans | 111.3636% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5940% | 2,949 |
| Noncurrent loans to loans | 0.9319% | 2,227 |
| Net loans and leases to total assets | 48.8684% | 4,842 |
| Net loans and leases to deposits | 60.8000% | 4,622 |
| Net loans and leases to core deposits | 69.1233% | 4,315 |
| Total domestic deposits to total assets | 80.3757% | 4,489 |
| Equity capital to assets | 8.2727% | 5,436 |
| Core capital (leverage) ratio | 8.4275% | 5,339 |
| Tier 1 risk-based capital ratio | 15.8094% | 2,626 |
| Total risk-based capital ratio | 16.7449% | 2,686 |
| Memoranda: | ||
| Average total assets | $50,475,400 | 5,334 |
| Average earning assets | $48,291,400 | 5,282 |
| Average equity | $4,266,400 | 5,598 |
| Average total loans | $24,207,800 | 5,382 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,802 |
| Cost of funding earning assets | 0.5931% | 1,386 |
| Net interest margin | 2.9056% | 5,179 |
| Noninterest income to average assets | 0.5553% | 2,890 |
| Noninterest expense to average assets | 2.5940% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7279% | 3,705 |
| Return on assets (ROA) | 0.7821% | 3,588 |
| Pretax return on assets | 0.7873% | 4,342 |
| Return on Equity (ROE) | 9.2073% | 2,395 |
| Retained earnings to average equity (ytd only) | 0.9208% | 5,112 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9781% | 1,694 |
| Assets per employee ($millions) | 3.0559% | 5,334 |
| Cash dividends to net income (ytd only)* | 89.9997% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,732 |
| Loan loss allowance to noncurrent loans | 89.7638% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 3,071 |
| Noncurrent loans to loans | 1.0412% | 2,159 |
| Net loans and leases to total assets | 46.5208% | 5,059 |
| Net loans and leases to deposits | 55.2968% | 5,038 |
| Net loans and leases to core deposits | 61.4087% | 4,862 |
| Total domestic deposits to total assets | 84.1293% | 3,172 |
| Equity capital to assets | 8.4252% | 5,569 |
| Core capital (leverage) ratio | 8.4348% | 5,412 |
| Tier 1 risk-based capital ratio | 14.8457% | 3,122 |
| Total risk-based capital ratio | 15.6695% | 3,257 |
| Memoranda: | ||
| Average total assets | $51,142,250 | 5,374 |
| Average earning assets | $48,778,750 | 5,325 |
| Average equity | $4,344,250 | 5,646 |
| Average total loans | $24,357,750 | 5,428 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 4,838 |
| Cost of funding earning assets | 0.5989% | 1,319 |
| Net interest margin | 2.9117% | 5,247 |
| Noninterest income to average assets | 0.5504% | 2,900 |
| Noninterest expense to average assets | 2.5239% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7832% | 3,387 |
| Return on assets (ROA) | 0.8256% | 3,326 |
| Pretax return on assets | 0.8413% | 4,151 |
| Return on Equity (ROE) | 9.6923% | 2,183 |
| Retained earnings to average equity (ytd only) | 1.3846% | 4,827 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9763% | 2,081 |
| Assets per employee ($millions) | 3.0410% | 5,376 |
| Cash dividends to net income (ytd only)* | 85.7143% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 4,783 |
| Loan loss allowance to noncurrent loans | 386.4407% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,102 |
| Noncurrent loans to loans | 0.2445% | 4,475 |
| Net loans and leases to total assets | 49.1224% | 4,902 |
| Net loans and leases to deposits | 61.5561% | 4,692 |
| Net loans and leases to core deposits | 68.1367% | 4,462 |
| Total domestic deposits to total assets | 79.8011% | 4,592 |
| Equity capital to assets | 9.2342% | 5,041 |
| Core capital (leverage) ratio | 8.2756% | 5,550 |
| Tier 1 risk-based capital ratio | 15.2304% | 2,968 |
| Total risk-based capital ratio | 16.0755% | 3,096 |
| Memoranda: | ||
| Average total assets | $50,872,670 | 5,441 |
| Average earning assets | $48,426,000 | 5,391 |
| Average equity | $4,333,330 | 5,712 |
| Average total loans | $24,345,000 | 5,487 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4814% | 4,931 |
| Cost of funding earning assets | 0.6115% | 1,260 |
| Net interest margin | 2.8699% | 5,365 |
| Noninterest income to average assets | 0.5464% | 2,829 |
| Noninterest expense to average assets | 2.3778% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8772% | 2,865 |
| Return on assets (ROA) | 0.8772% | 2,978 |
| Pretax return on assets | 0.8772% | 3,944 |
| Return on Equity (ROE) | 10.7206% | 1,709 |
| Retained earnings to average equity (ytd only) | 2.2570% | 4,357 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0496% | 2,631 |
| Assets per employee ($millions) | 3.1881% | 5,297 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,806 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 4,045 |
| Noncurrent loans to loans | 0.4000% | 3,998 |
| Net loans and leases to total assets | 43.4001% | 5,280 |
| Net loans and leases to deposits | 51.5268% | 5,248 |
| Net loans and leases to core deposits | 57.2506% | 5,081 |
| Total domestic deposits to total assets | 84.2282% | 3,439 |
| Equity capital to assets | 7.9948% | 5,825 |
| Core capital (leverage) ratio | 8.1047% | 5,717 |
| Tier 1 risk-based capital ratio | 14.4513% | 3,417 |
| Total risk-based capital ratio | 15.2543% | 3,622 |
| Memoranda: | ||
| Average total assets | $51,981,000 | 5,472 |
| Average earning assets | $49,061,000 | 5,424 |
| Average equity | $4,253,500 | 5,768 |
| Average total loans | $24,453,000 | 5,534 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 5,002 |
| Cost of funding earning assets | 0.5969% | 1,379 |
| Net interest margin | 2.8745% | 5,381 |
| Noninterest income to average assets | 0.5348% | 3,113 |
| Noninterest expense to average assets | 2.4682% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7818% | 3,414 |
| Return on assets (ROA) | 0.7926% | 3,446 |
| Pretax return on assets | 0.8388% | 4,074 |
| Return on Equity (ROE) | 9.7519% | 2,105 |
| Retained earnings to average equity (ytd only) | 1.2308% | 5,014 |
| Net charge-offs to loans | 0.0810% | 2,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,811 |
| Efficiency ratio | 74.8978% | 2,442 |
| Assets per employee ($millions) | 3.1103% | 5,401 |
| Cash dividends to net income (ytd only)* | 87.3786% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 5,064 |
| Loan loss allowance to noncurrent loans | 570.0000% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,340 |
| Noncurrent loans to loans | 0.1590% | 4,855 |
| Net loans and leases to total assets | 50.0924% | 4,861 |
| Net loans and leases to deposits | 62.5075% | 4,593 |
| Net loans and leases to core deposits | 70.4798% | 4,269 |
| Total domestic deposits to total assets | 80.1383% | 4,710 |
| Equity capital to assets | 8.3876% | 5,640 |
| Core capital (leverage) ratio | 8.8754% | 5,029 |
| Tier 1 risk-based capital ratio | 14.5751% | 3,399 |
| Total risk-based capital ratio | 15.3896% | 3,555 |
| Memoranda: | ||
| Average total assets | $51,980,800 | 5,504 |
| Average earning assets | $49,922,400 | 5,438 |
| Average equity | $4,224,800 | 5,817 |
| Average total loans | $24,691,400 | 5,564 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 5,164 |
| Cost of funding earning assets | 0.5845% | 1,507 |
| Net interest margin | 2.8350% | 5,523 |
| Noninterest income to average assets | 0.5431% | 3,087 |
| Noninterest expense to average assets | 2.3400% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8863% | 3,015 |
| Return on assets (ROA) | 0.9010% | 3,044 |
| Pretax return on assets | 0.9390% | 3,849 |
| Return on Equity (ROE) | 11.1698% | 1,638 |
| Retained earnings to average equity (ytd only) | 2.6745% | 4,515 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6952% | 2,930 |
| Assets per employee ($millions) | 3.4081% | 4,968 |
| Cash dividends to net income (ytd only)* | 76.0564% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,754 |
| Loan loss allowance to noncurrent loans | 149.3976% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 4,067 |
| Noncurrent loans to loans | 0.6684% | 3,326 |
| Net loans and leases to total assets | 45.0908% | 5,287 |
| Net loans and leases to deposits | 55.4733% | 5,156 |
| Net loans and leases to core deposits | 61.3641% | 4,976 |
| Total domestic deposits to total assets | 81.2837% | 4,399 |
| Equity capital to assets | 7.9222% | 5,983 |
| Core capital (leverage) ratio | 8.6961% | 5,357 |
| Tier 1 risk-based capital ratio | 14.1161% | 3,789 |
| Total risk-based capital ratio | 14.9672% | 3,948 |
| Memoranda: | ||
| Average total assets | $52,535,000 | 5,567 |
| Average earning assets | $50,415,750 | 5,494 |
| Average equity | $4,237,500 | 5,891 |
| Average total loans | $24,575,250 | 5,637 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4531% | 5,095 |
| Cost of funding earning assets | 0.5802% | 1,560 |
| Net interest margin | 2.8729% | 5,490 |
| Noninterest income to average assets | 0.5475% | 3,054 |
| Noninterest expense to average assets | 2.3636% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9215% | 2,778 |
| Return on assets (ROA) | 0.9215% | 2,904 |
| Pretax return on assets | 0.9524% | 3,766 |
| Return on Equity (ROE) | 11.3539% | 1,568 |
| Retained earnings to average equity (ytd only) | 2.8029% | 4,260 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2791% | 3,116 |
| Assets per employee ($millions) | 3.0572% | 5,519 |
| Cash dividends to net income (ytd only)* | 75.3138% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,650 |
| Loan loss allowance to noncurrent loans | 108.2969% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 4,061 |
| Noncurrent loans to loans | 0.9616% | 2,729 |
| Net loans and leases to total assets | 48.1795% | 5,088 |
| Net loans and leases to deposits | 58.8601% | 4,937 |
| Net loans and leases to core deposits | 68.6404% | 4,444 |
| Total domestic deposits to total assets | 81.8542% | 4,346 |
| Equity capital to assets | 8.5863% | 5,606 |
| Core capital (leverage) ratio | 8.5040% | 5,528 |
| Tier 1 risk-based capital ratio | 14.6027% | 3,578 |
| Total risk-based capital ratio | 15.4888% | 3,724 |
| Memoranda: | ||
| Average total assets | $51,870,000 | 5,637 |
| Average earning assets | $49,983,670 | 5,566 |
| Average equity | $4,210,000 | 5,958 |
| Average total loans | $24,488,330 | 5,685 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 5,294 |
| Cost of funding earning assets | 0.5687% | 1,672 |
| Net interest margin | 2.7966% | 5,648 |
| Noninterest income to average assets | 0.4649% | 3,538 |
| Noninterest expense to average assets | 2.3094% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8398% | 3,064 |
| Return on assets (ROA) | 0.8398% | 3,190 |
| Pretax return on assets | 0.8473% | 4,071 |
| Return on Equity (ROE) | 10.6287% | 1,758 |
| Retained earnings to average equity (ytd only) | 2.0878% | 4,627 |
| Net charge-offs to loans | 0.0322% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 771 |
| Efficiency ratio | 73.1591% | 2,963 |
| Assets per employee ($millions) | 3.3979% | 5,084 |
| Cash dividends to net income (ytd only)* | 80.3571% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 4,882 |
| Loan loss allowance to noncurrent loans | 130.1587% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 4,613 |
| Noncurrent loans to loans | 0.7897% | 3,274 |
| Net loans and leases to total assets | 43.5687% | 5,383 |
| Net loans and leases to deposits | 52.9662% | 5,268 |
| Net loans and leases to core deposits | 60.7328% | 4,936 |
| Total domestic deposits to total assets | 82.2576% | 4,432 |
| Equity capital to assets | 7.8595% | 6,082 |
| Core capital (leverage) ratio | 8.3512% | 5,681 |
| Tier 1 risk-based capital ratio | 13.8794% | 4,100 |
| Total risk-based capital ratio | 14.7224% | 4,254 |
| Memoranda: | ||
| Average total assets | $53,347,500 | 5,658 |
| Average earning assets | $51,348,500 | 5,582 |
| Average equity | $4,215,000 | 6,013 |
| Average total loans | $24,825,000 | 5,720 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 4,926 |
| Cost of funding earning assets | 0.6369% | 1,500 |
| Net interest margin | 3.0152% | 5,419 |
| Noninterest income to average assets | 0.5445% | 3,204 |
| Noninterest expense to average assets | 2.3099% | 5,086 |
| Loan and lease loss provision to assets | 0.0573% | 3,392 |
| Net operating income to assets | 0.9668% | 2,546 |
| Return on assets (ROA) | 0.9668% | 2,631 |
| Pretax return on assets | 1.0355% | 3,369 |
| Return on Equity (ROE) | 12.5646% | 1,248 |
| Retained earnings to average equity (ytd only) | 4.1220% | 3,271 |
| Net charge-offs to loans | 0.0131% | 4,634 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 190.6667% | 279 |
| Efficiency ratio | 67.8832% | 3,916 |
| Assets per employee ($millions) | 3.2705% | 5,315 |
| Cash dividends to net income (ytd only)* | 67.1937% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 5,222 |
| Loan loss allowance to noncurrent loans | 95.7529% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 4,148 |
| Noncurrent loans to loans | 1.0071% | 2,815 |
| Net loans and leases to total assets | 48.6718% | 5,099 |
| Net loans and leases to deposits | 64.3465% | 4,491 |
| Net loans and leases to core deposits | 74.2190% | 3,901 |
| Total domestic deposits to total assets | 75.6402% | 5,798 |
| Equity capital to assets | 7.9441% | 6,092 |
| Core capital (leverage) ratio | 7.6046% | 6,173 |
| Tier 1 risk-based capital ratio | 13.6256% | 4,338 |
| Total risk-based capital ratio | 14.4645% | 4,500 |
| Memoranda: | ||
| Average total assets | $52,340,000 | 5,736 |
| Average earning assets | $49,615,400 | 5,687 |
| Average equity | $4,027,200 | 6,086 |
| Average total loans | $22,987,800 | 5,854 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 5,004 |
| Cost of funding earning assets | 0.6357% | 1,559 |
| Net interest margin | 3.0133% | 5,474 |
| Noninterest income to average assets | 0.4814% | 3,677 |
| Noninterest expense to average assets | 2.2696% | 5,180 |
| Loan and lease loss provision to assets | 0.0764% | 2,808 |
| Net operating income to assets | 0.9119% | 2,859 |
| Return on assets (ROA) | 0.9119% | 2,956 |
| Pretax return on assets | 0.9730% | 3,703 |
| Return on Equity (ROE) | 11.9487% | 1,493 |
| Retained earnings to average equity (ytd only) | 3.6047% | 4,084 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3807% | 3,792 |
| Assets per employee ($millions) | 3.7697% | 4,352 |
| Cash dividends to net income (ytd only)* | 69.8337% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 5,108 |
| Loan loss allowance to noncurrent loans | 102.0325% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 4,611 |
| Noncurrent loans to loans | 1.0024% | 3,059 |
| Net loans and leases to total assets | 42.9544% | 5,600 |
| Net loans and leases to deposits | 53.2035% | 5,442 |
| Net loans and leases to core deposits | 61.6863% | 5,063 |
| Total domestic deposits to total assets | 80.7360% | 4,908 |
| Equity capital to assets | 7.2490% | 6,347 |
| Core capital (leverage) ratio | 7.9988% | 6,069 |
| Tier 1 risk-based capital ratio | 13.1319% | 4,776 |
| Total risk-based capital ratio | 13.9624% | 4,942 |
| Memoranda: | ||
| Average total assets | $52,343,000 | 5,796 |
| Average earning assets | $49,292,000 | 5,761 |
| Average equity | $3,994,750 | 6,161 |
| Average total loans | $22,305,500 | 5,939 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 5,190 |
| Cost of funding earning assets | 0.5790% | 2,079 |
| Net interest margin | 3.0058% | 5,509 |
| Noninterest income to average assets | 0.5261% | 3,297 |
| Noninterest expense to average assets | 2.3399% | 5,059 |
| Loan and lease loss provision to assets | 0.0785% | 2,714 |
| Net operating income to assets | 0.9187% | 2,710 |
| Return on assets (ROA) | 0.9187% | 2,814 |
| Pretax return on assets | 0.9815% | 3,550 |
| Return on Equity (ROE) | 11.8182% | 1,474 |
| Retained earnings to average equity (ytd only) | 3.7374% | 3,813 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8222% | 3,858 |
| Assets per employee ($millions) | 3.5441% | 4,764 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 5,256 |
| Loan loss allowance to noncurrent loans | 602.5000% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,950 |
| Noncurrent loans to loans | 0.1697% | 5,502 |
| Net loans and leases to total assets | 43.8960% | 5,539 |
| Net loans and leases to deposits | 58.5053% | 4,994 |
| Net loans and leases to core deposits | 67.9676% | 4,474 |
| Total domestic deposits to total assets | 75.0292% | 6,020 |
| Equity capital to assets | 7.7744% | 6,266 |
| Core capital (leverage) ratio | 7.7879% | 6,214 |
| Tier 1 risk-based capital ratio | 13.6476% | 4,489 |
| Total risk-based capital ratio | 14.4834% | 4,699 |
| Memoranda: | ||
| Average total assets | $50,942,000 | 5,879 |
| Average earning assets | $48,705,330 | 5,821 |
| Average equity | $3,960,000 | 6,210 |
| Average total loans | $21,560,670 | 6,012 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 5,515 |
| Cost of funding earning assets | 0.4236% | 3,718 |
| Net interest margin | 3.0411% | 5,410 |
| Noninterest income to average assets | 0.5057% | 3,367 |
| Noninterest expense to average assets | 2.3439% | 5,083 |
| Loan and lease loss provision to assets | 0.0803% | 2,544 |
| Net operating income to assets | 0.8990% | 2,661 |
| Return on assets (ROA) | 0.8990% | 2,721 |
| Pretax return on assets | 0.9632% | 3,469 |
| Return on Equity (ROE) | 11.5658% | 1,528 |
| Retained earnings to average equity (ytd only) | 3.3045% | 4,142 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1943% | 3,965 |
| Assets per employee ($millions) | 3.4551% | 5,023 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 4,804 |
| Loan loss allowance to noncurrent loans | 288.7500% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 5,777 |
| Noncurrent loans to loans | 0.4034% | 4,924 |
| Net loans and leases to total assets | 37.8189% | 5,955 |
| Net loans and leases to deposits | 44.2758% | 5,963 |
| Net loans and leases to core deposits | 51.0178% | 5,684 |
| Total domestic deposits to total assets | 85.4166% | 3,662 |
| Equity capital to assets | 7.6120% | 6,273 |
| Core capital (leverage) ratio | 8.0837% | 6,057 |
| Tier 1 risk-based capital ratio | 14.5071% | 4,005 |
| Total risk-based capital ratio | 15.3677% | 4,201 |
| Memoranda: | ||
| Average total assets | $49,832,000 | 5,969 |
| Average earning assets | $47,219,000 | 5,915 |
| Average equity | $3,873,500 | 6,276 |
| Average total loans | $20,552,500 | 6,113 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 5,582 |
| Cost of funding earning assets | 0.4854% | 3,762 |
| Net interest margin | 3.0425% | 5,473 |
| Noninterest income to average assets | 0.5611% | 3,323 |
| Noninterest expense to average assets | 2.3469% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0302% | 2,199 |
| Return on assets (ROA) | 1.0322% | 2,256 |
| Pretax return on assets | 1.0916% | 2,975 |
| Return on Equity (ROE) | 12.7880% | 1,211 |
| Retained earnings to average equity (ytd only) | 2.1313% | 4,725 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2956% | 4,142 |
| Assets per employee ($millions) | 3.4170% | 5,046 |
| Cash dividends to net income (ytd only)* | 83.3333% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 5,382 |
| Loan loss allowance to noncurrent loans | 315.7143% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,882 |
| Noncurrent loans to loans | 0.3290% | 5,196 |
| Net loans and leases to total assets | 44.0089% | 5,670 |
| Net loans and leases to deposits | 53.6628% | 5,496 |
| Net loans and leases to core deposits | 61.3915% | 5,116 |
| Total domestic deposits to total assets | 82.0101% | 4,871 |
| Equity capital to assets | 7.9477% | 6,058 |
| Core capital (leverage) ratio | 8.3027% | 5,873 |
| Tier 1 risk-based capital ratio | 14.5879% | 3,913 |
| Total risk-based capital ratio | 15.4227% | 4,117 |
| Memoranda: | ||
| Average total assets | $48,829,400 | 6,042 |
| Average earning assets | $46,146,200 | 5,986 |
| Average equity | $3,941,200 | 6,342 |
| Average total loans | $20,672,600 | 6,164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 5,741 |
| Cost of funding earning assets | 0.4949% | 3,816 |
| Net interest margin | 2.9810% | 5,639 |
| Noninterest income to average assets | 0.5732% | 3,308 |
| Noninterest expense to average assets | 2.3038% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0352% | 2,242 |
| Return on assets (ROA) | 1.0378% | 2,315 |
| Pretax return on assets | 1.0867% | 3,165 |
| Return on Equity (ROE) | 12.8099% | 1,284 |
| Retained earnings to average equity (ytd only) | 1.4085% | 5,420 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0032% | 4,103 |
| Assets per employee ($millions) | 3.5125% | 4,821 |
| Cash dividends to net income (ytd only)* | 89.0049% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,523 |
| Loan loss allowance to noncurrent loans | 135.5828% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 5,411 |
| Noncurrent loans to loans | 0.7754% | 4,297 |
| Net loans and leases to total assets | 42.2979% | 5,883 |
| Net loans and leases to deposits | 49.4414% | 5,874 |
| Net loans and leases to core deposits | 56.4696% | 5,583 |
| Total domestic deposits to total assets | 85.5516% | 3,469 |
| Equity capital to assets | 7.7234% | 6,298 |
| Core capital (leverage) ratio | 7.8843% | 6,286 |
| Tier 1 risk-based capital ratio | 13.7727% | 4,585 |
| Total risk-based capital ratio | 14.5695% | 4,830 |
| Memoranda: | ||
| Average total assets | $49,077,250 | 6,103 |
| Average earning assets | $46,336,250 | 6,045 |
| Average equity | $3,976,000 | 6,411 |
| Average total loans | $20,522,250 | 6,240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 5,886 |
| Cost of funding earning assets | 0.5073% | 3,835 |
| Net interest margin | 2.9019% | 5,799 |
| Noninterest income to average assets | 0.5424% | 3,554 |
| Noninterest expense to average assets | 2.2836% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9379% | 2,627 |
| Return on assets (ROA) | 0.9379% | 2,766 |
| Pretax return on assets | 1.0113% | 3,460 |
| Return on Equity (ROE) | 11.3993% | 1,685 |
| Retained earnings to average equity (ytd only) | -0.4956% | 5,956 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3069% | 3,958 |
| Assets per employee ($millions) | 3.2367% | 5,399 |
| Cash dividends to net income (ytd only)* | 104.3478% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,464 |
| Loan loss allowance to noncurrent loans | 416.9811% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 6,164 |
| Noncurrent loans to loans | 0.2629% | 5,654 |
| Net loans and leases to total assets | 41.0599% | 5,963 |
| Net loans and leases to deposits | 51.4890% | 5,729 |
| Net loans and leases to core deposits | 57.8614% | 5,435 |
| Total domestic deposits to total assets | 79.7450% | 5,660 |
| Equity capital to assets | 7.3840% | 6,478 |
| Core capital (leverage) ratio | 7.7376% | 6,348 |
| Tier 1 risk-based capital ratio | 13.3447% | 4,885 |
| Total risk-based capital ratio | 14.1274% | 5,171 |
| Memoranda: | ||
| Average total assets | $49,044,670 | 6,145 |
| Average earning assets | $46,522,000 | 6,083 |
| Average equity | $4,035,330 | 6,445 |
| Average total loans | $20,356,000 | 6,281 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4701% | 5,783 |
| Cost of funding earning assets | 0.5093% | 3,984 |
| Net interest margin | 2.9608% | 5,674 |
| Noninterest income to average assets | 0.5843% | 3,224 |
| Noninterest expense to average assets | 2.2154% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0793% | 1,936 |
| Return on assets (ROA) | 1.0793% | 2,041 |
| Pretax return on assets | 1.1523% | 2,755 |
| Return on Equity (ROE) | 12.4868% | 1,297 |
| Retained earnings to average equity (ytd only) | 1.2205% | 5,362 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7831% | 4,702 |
| Assets per employee ($millions) | 3.6215% | 4,732 |
| Cash dividends to net income (ytd only)* | 90.2256% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 5,622 |
| Loan loss allowance to noncurrent loans | 401.8182% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 6,254 |
| Noncurrent loans to loans | 0.2731% | 5,721 |
| Net loans and leases to total assets | 39.2872% | 6,056 |
| Net loans and leases to deposits | 46.2856% | 6,041 |
| Net loans and leases to core deposits | 51.5409% | 5,858 |
| Total domestic deposits to total assets | 84.8800% | 4,102 |
| Equity capital to assets | 8.3509% | 6,148 |
| Core capital (leverage) ratio | 8.1720% | 5,959 |
| Tier 1 risk-based capital ratio | 14.1672% | 4,384 |
| Total risk-based capital ratio | 14.9931% | 4,657 |
| Memoranda: | ||
| Average total assets | $49,291,500 | 6,201 |
| Average earning assets | $46,339,000 | 6,149 |
| Average equity | $4,260,500 | 6,455 |
| Average total loans | $20,456,000 | 6,336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 5,518 |
| Cost of funding earning assets | 0.6144% | 4,219 |
| Net interest margin | 3.3064% | 5,226 |
| Noninterest income to average assets | 0.6068% | 3,243 |
| Noninterest expense to average assets | 2.3655% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2699% | 1,395 |
| Return on assets (ROA) | 1.4499% | 1,121 |
| Pretax return on assets | 1.5245% | 1,609 |
| Return on Equity (ROE) | 15.8542% | 679 |
| Retained earnings to average equity (ytd only) | 4.4466% | 3,110 |
| Net charge-offs to loans | -0.0101% | 6,463 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9241% | 4,897 |
| Assets per employee ($millions) | 3.4201% | 5,171 |
| Cash dividends to net income (ytd only)* | 71.9530% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 5,704 |
| Loan loss allowance to noncurrent loans | 263.0952% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 6,125 |
| Noncurrent loans to loans | 0.4044% | 5,476 |
| Net loans and leases to total assets | 42.9201% | 5,905 |
| Net loans and leases to deposits | 53.4361% | 5,703 |
| Net loans and leases to core deposits | 59.1804% | 5,436 |
| Total domestic deposits to total assets | 80.3204% | 5,586 |
| Equity capital to assets | 8.9533% | 5,574 |
| Core capital (leverage) ratio | 7.9992% | 6,195 |
| Tier 1 risk-based capital ratio | 14.0634% | 4,335 |
| Total risk-based capital ratio | 14.8861% | 4,594 |
| Memoranda: | ||
| Average total assets | $46,967,600 | 6,293 |
| Average earning assets | $43,944,800 | 6,236 |
| Average equity | $4,295,400 | 6,497 |
| Average total loans | $19,850,800 | 6,434 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 5,559 |
| Cost of funding earning assets | 0.6306% | 4,362 |
| Net interest margin | 3.3541% | 5,199 |
| Noninterest income to average assets | 0.6105% | 3,209 |
| Noninterest expense to average assets | 2.3991% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2878% | 1,479 |
| Return on assets (ROA) | 1.5290% | 1,080 |
| Pretax return on assets | 1.6060% | 1,556 |
| Return on Equity (ROE) | 16.6294% | 652 |
| Retained earnings to average equity (ytd only) | 5.1502% | 3,256 |
| Net charge-offs to loans | -0.0136% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9544% | 4,809 |
| Assets per employee ($millions) | 3.4276% | 5,145 |
| Cash dividends to net income (ytd only)* | 69.0296% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,564 |
| Loan loss allowance to noncurrent loans | 225.5102% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 6,204 |
| Noncurrent loans to loans | 0.5048% | 5,431 |
| Net loans and leases to total assets | 39.9992% | 6,285 |
| Net loans and leases to deposits | 47.7903% | 6,273 |
| Net loans and leases to core deposits | 52.6830% | 6,137 |
| Total domestic deposits to total assets | 83.6973% | 4,361 |
| Equity capital to assets | 9.1735% | 5,623 |
| Core capital (leverage) ratio | 8.5304% | 5,708 |
| Tier 1 risk-based capital ratio | 14.1393% | 4,427 |
| Total risk-based capital ratio | 14.9721% | 4,694 |
| Memoranda: | ||
| Average total assets | $46,739,000 | 6,372 |
| Average earning assets | $43,765,500 | 6,317 |
| Average equity | $4,297,500 | 6,568 |
| Average total loans | $19,620,500 | 6,530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 5,589 |
| Cost of funding earning assets | 0.6677% | 4,297 |
| Net interest margin | 3.3524% | 5,261 |
| Noninterest income to average assets | 0.5440% | 3,623 |
| Noninterest expense to average assets | 2.3185% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3414% | 1,325 |
| Return on assets (ROA) | 1.4809% | 1,150 |
| Pretax return on assets | 1.5586% | 1,678 |
| Return on Equity (ROE) | 16.0932% | 758 |
| Retained earnings to average equity (ytd only) | 4.8327% | 3,381 |
| Net charge-offs to loans | -0.0203% | 6,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1528% | 5,223 |
| Assets per employee ($millions) | 3.2707% | 5,515 |
| Cash dividends to net income (ytd only)* | 69.9708% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,598 |
| Loan loss allowance to noncurrent loans | 356.4516% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 6,448 |
| Noncurrent loans to loans | 0.3201% | 5,913 |
| Net loans and leases to total assets | 41.8170% | 6,199 |
| Net loans and leases to deposits | 51.0654% | 6,101 |
| Net loans and leases to core deposits | 57.3792% | 5,825 |
| Total domestic deposits to total assets | 81.8891% | 5,176 |
| Equity capital to assets | 9.3732% | 5,225 |
| Core capital (leverage) ratio | 8.3928% | 5,801 |
| Tier 1 risk-based capital ratio | 13.8399% | 4,565 |
| Total risk-based capital ratio | 14.6688% | 4,846 |
| Memoranda: | ||
| Average total assets | $46,323,330 | 6,430 |
| Average earning assets | $44,028,670 | 6,347 |
| Average equity | $4,262,670 | 6,609 |
| Average total loans | $19,689,000 | 6,576 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 5,597 |
| Cost of funding earning assets | 0.6753% | 4,506 |
| Net interest margin | 3.3767% | 5,211 |
| Noninterest income to average assets | 0.5323% | 3,684 |
| Noninterest expense to average assets | 2.2666% | 5,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4080% | 1,212 |
| Return on assets (ROA) | 1.4080% | 1,358 |
| Pretax return on assets | 1.4853% | 1,910 |
| Return on Equity (ROE) | 15.4426% | 899 |
| Retained earnings to average equity (ytd only) | 4.1431% | 4,108 |
| Net charge-offs to loans | -0.0202% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4119% | 5,560 |
| Assets per employee ($millions) | 3.4163% | 5,307 |
| Cash dividends to net income (ytd only)* | 73.1707% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,734 |
| Loan loss allowance to noncurrent loans | 353.2258% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 6,567 |
| Noncurrent loans to loans | 0.3238% | 6,026 |
| Net loans and leases to total assets | 39.5710% | 6,381 |
| Net loans and leases to deposits | 48.2757% | 6,274 |
| Net loans and leases to core deposits | 53.1122% | 6,119 |
| Total domestic deposits to total assets | 81.9687% | 5,308 |
| Equity capital to assets | 9.0031% | 5,487 |
| Core capital (leverage) ratio | 8.4969% | 5,600 |
| Tier 1 risk-based capital ratio | 13.4631% | 4,852 |
| Total risk-based capital ratio | 14.2751% | 5,168 |
| Memoranda: | ||
| Average total assets | $46,590,000 | 6,471 |
| Average earning assets | $44,421,500 | 6,386 |
| Average equity | $4,248,000 | 6,647 |
| Average total loans | $19,849,000 | 6,620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 4,907 |
| Cost of funding earning assets | 0.9192% | 3,964 |
| Net interest margin | 3.6226% | 4,642 |
| Noninterest income to average assets | 0.6695% | 2,786 |
| Noninterest expense to average assets | 2.4907% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4003% | 1,031 |
| Return on assets (ROA) | 1.4787% | 945 |
| Pretax return on assets | 1.5666% | 1,287 |
| Return on Equity (ROE) | 16.6667% | 511 |
| Retained earnings to average equity (ytd only) | 5.2337% | 2,490 |
| Net charge-offs to loans | -0.0162% | 6,935 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6773% | 5,358 |
| Assets per employee ($millions) | 3.2394% | 5,633 |
| Cash dividends to net income (ytd only)* | 68.5976% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 5,958 |
| Loan loss allowance to noncurrent loans | 150.3448% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 6,178 |
| Noncurrent loans to loans | 0.7055% | 5,286 |
| Net loans and leases to total assets | 44.8382% | 6,132 |
| Net loans and leases to deposits | 58.7938% | 5,621 |
| Net loans and leases to core deposits | 65.0283% | 5,358 |
| Total domestic deposits to total assets | 76.2635% | 6,443 |
| Equity capital to assets | 9.2388% | 5,231 |
| Core capital (leverage) ratio | 8.0049% | 6,259 |
| Tier 1 risk-based capital ratio | 13.3079% | 4,828 |
| Total risk-based capital ratio | 14.1166% | 5,157 |
| Memoranda: | ||
| Average total assets | $44,364,400 | 6,524 |
| Average earning assets | $40,468,000 | 6,512 |
| Average equity | $3,936,000 | 6,770 |
| Average total loans | $18,521,000 | 6,731 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 4,802 |
| Cost of funding earning assets | 0.9468% | 4,070 |
| Net interest margin | 3.6698% | 4,476 |
| Noninterest income to average assets | 0.7162% | 2,500 |
| Noninterest expense to average assets | 2.4207% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5477% | 855 |
| Return on assets (ROA) | 1.6561% | 763 |
| Pretax return on assets | 1.7105% | 1,122 |
| Return on Equity (ROE) | 18.8677% | 395 |
| Retained earnings to average equity (ytd only) | 6.8170% | 2,068 |
| Net charge-offs to loans | -0.0222% | 6,928 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2256% | 5,681 |
| Assets per employee ($millions) | 3.4438% | 5,133 |
| Cash dividends to net income (ytd only)* | 63.8692% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 5,738 |
| Loan loss allowance to noncurrent loans | 146.3087% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 6,296 |
| Noncurrent loans to loans | 0.7775% | 5,322 |
| Net loans and leases to total assets | 39.2985% | 6,690 |
| Net loans and leases to deposits | 47.2211% | 6,673 |
| Net loans and leases to core deposits | 52.3890% | 6,544 |
| Total domestic deposits to total assets | 83.2224% | 4,598 |
| Equity capital to assets | 8.8296% | 5,948 |
| Core capital (leverage) ratio | 8.5070% | 5,704 |
| Tier 1 risk-based capital ratio | 13.5661% | 4,691 |
| Total risk-based capital ratio | 14.3924% | 4,970 |
| Memoranda: | ||
| Average total assets | $44,117,500 | 6,590 |
| Average earning assets | $39,710,250 | 6,602 |
| Average equity | $3,872,500 | 6,843 |
| Average total loans | $18,013,000 | 6,821 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 4,625 |
| Cost of funding earning assets | 0.9991% | 3,954 |
| Net interest margin | 3.6804% | 4,356 |
| Noninterest income to average assets | 0.6503% | 2,838 |
| Noninterest expense to average assets | 2.5262% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4455% | 988 |
| Return on assets (ROA) | 1.4455% | 1,047 |
| Pretax return on assets | 1.5017% | 1,526 |
| Return on Equity (ROE) | 16.5050% | 611 |
| Retained earnings to average equity (ytd only) | 3.6856% | 3,875 |
| Net charge-offs to loans | -0.0227% | 6,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7178% | 5,450 |
| Assets per employee ($millions) | 2.9778% | 6,132 |
| Cash dividends to net income (ytd only)* | 77.6699% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,228 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 6,250 |
| Noncurrent loans to loans | 0.8567% | 5,234 |
| Net loans and leases to total assets | 40.6390% | 6,693 |
| Net loans and leases to deposits | 50.5475% | 6,563 |
| Net loans and leases to core deposits | 55.3443% | 6,471 |
| Total domestic deposits to total assets | 80.3977% | 5,713 |
| Equity capital to assets | 9.7316% | 4,497 |
| Core capital (leverage) ratio | 8.3903% | 5,724 |
| Tier 1 risk-based capital ratio | 14.1388% | 4,067 |
| Total risk-based capital ratio | 15.0281% | 4,292 |
| Memoranda: | ||
| Average total assets | $42,752,330 | 6,689 |
| Average earning assets | $39,235,330 | 6,674 |
| Average equity | $3,744,330 | 6,915 |
| Average total loans | $17,629,000 | 6,909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 4,584 |
| Cost of funding earning assets | 1.0254% | 4,026 |
| Net interest margin | 3.6607% | 4,278 |
| Noninterest income to average assets | 0.7393% | 2,321 |
| Noninterest expense to average assets | 2.5136% | 5,508 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4694% | 936 |
| Return on assets (ROA) | 1.4694% | 977 |
| Pretax return on assets | 1.5248% | 1,375 |
| Return on Equity (ROE) | 17.7258% | 506 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,560 |
| Net charge-offs to loans | -0.0224% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2426% | 5,643 |
| Assets per employee ($millions) | 3.2303% | 5,642 |
| Cash dividends to net income (ytd only)* | 75.4717% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,395 |
| Loan loss allowance to noncurrent loans | 144.9664% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 6,375 |
| Noncurrent loans to loans | 0.8621% | 5,315 |
| Net loans and leases to total assets | 37.7410% | 6,918 |
| Net loans and leases to deposits | 45.4021% | 6,891 |
| Net loans and leases to core deposits | 49.3780% | 6,811 |
| Total domestic deposits to total assets | 83.1262% | 4,878 |
| Equity capital to assets | 8.0267% | 6,467 |
| Core capital (leverage) ratio | 8.4874% | 5,483 |
| Tier 1 risk-based capital ratio | 13.7164% | 4,265 |
| Total risk-based capital ratio | 14.5824% | 4,535 |
| Memoranda: | ||
| Average total assets | $43,284,000 | 6,718 |
| Average earning assets | $39,008,500 | 6,719 |
| Average equity | $3,588,000 | 6,992 |
| Average total loans | $17,864,000 | 6,952 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 4,169 |
| Cost of funding earning assets | 1.2697% | 4,080 |
| Net interest margin | 3.8148% | 3,890 |
| Noninterest income to average assets | 0.8854% | 1,908 |
| Noninterest expense to average assets | 2.9417% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4270% | 891 |
| Return on assets (ROA) | 1.5224% | 791 |
| Pretax return on assets | 1.6017% | 1,126 |
| Return on Equity (ROE) | 15.5122% | 642 |
| Retained earnings to average equity (ytd only) | 2.9893% | 3,754 |
| Net charge-offs to loans | 0.0116% | 6,715 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 78 |
| Efficiency ratio | 66.2106% | 4,931 |
| Assets per employee ($millions) | 2.7563% | 6,598 |
| Cash dividends to net income (ytd only)* | 80.7292% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,662 |
| Loan loss allowance to noncurrent loans | 210.7843% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 6,620 |
| Noncurrent loans to loans | 0.5530% | 5,942 |
| Net loans and leases to total assets | 44.0910% | 6,703 |
| Net loans and leases to deposits | 53.9256% | 6,614 |
| Net loans and leases to core deposits | 57.8019% | 6,576 |
| Total domestic deposits to total assets | 81.7628% | 5,255 |
| Equity capital to assets | 8.5768% | 5,754 |
| Core capital (leverage) ratio | 8.4253% | 5,490 |
| Tier 1 risk-based capital ratio | 13.4556% | 4,244 |
| Total risk-based capital ratio | 14.3113% | 4,517 |
| Memoranda: | ||
| Average total assets | $37,835,200 | 6,943 |
| Average earning assets | $35,283,400 | 6,908 |
| Average equity | $3,713,200 | 7,080 |
| Average total loans | $17,250,400 | 7,068 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 3,955 |
| Cost of funding earning assets | 1.2962% | 4,237 |
| Net interest margin | 3.8807% | 3,608 |
| Noninterest income to average assets | 0.9705% | 1,549 |
| Noninterest expense to average assets | 2.8392% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6672% | 660 |
| Return on assets (ROA) | 1.8002% | 550 |
| Pretax return on assets | 1.8651% | 821 |
| Return on Equity (ROE) | 17.7182% | 499 |
| Retained earnings to average equity (ytd only) | 4.0479% | 3,629 |
| Net charge-offs to loans | -0.0158% | 7,323 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1643% | 5,598 |
| Assets per employee ($millions) | 2.7604% | 6,668 |
| Cash dividends to net income (ytd only)* | 77.1539% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,256 |
| Loan loss allowance to noncurrent loans | 438.0000% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 7,057 |
| Noncurrent loans to loans | 0.2845% | 6,620 |
| Net loans and leases to total assets | 41.9142% | 6,981 |
| Net loans and leases to deposits | 51.0231% | 6,945 |
| Net loans and leases to core deposits | 54.7097% | 6,925 |
| Total domestic deposits to total assets | 82.1475% | 4,938 |
| Equity capital to assets | 9.3827% | 5,009 |
| Core capital (leverage) ratio | 9.3927% | 4,066 |
| Tier 1 risk-based capital ratio | 13.9812% | 3,854 |
| Total risk-based capital ratio | 14.8860% | 4,046 |
| Memoranda: | ||
| Average total assets | $36,958,000 | 7,059 |
| Average earning assets | $34,254,500 | 7,021 |
| Average equity | $3,755,000 | 7,164 |
| Average total loans | $16,952,000 | 7,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 3,513 |
| Cost of funding earning assets | 1.3064% | 4,493 |
| Net interest margin | 3.9844% | 3,092 |
| Noninterest income to average assets | 0.9979% | 1,385 |
| Noninterest expense to average assets | 2.8922% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8252% | 463 |
| Return on assets (ROA) | 1.9619% | 388 |
| Pretax return on assets | 2.0296% | 570 |
| Return on Equity (ROE) | 18.7517% | 409 |
| Retained earnings to average equity (ytd only) | 5.0112% | 2,892 |
| Net charge-offs to loans | -0.0119% | 7,223 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4953% | 5,962 |
| Assets per employee ($millions) | 2.3283% | 7,324 |
| Cash dividends to net income (ytd only)* | 73.2759% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 5,077 |
| Loan loss allowance to noncurrent loans | 215.8416% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 6,691 |
| Noncurrent loans to loans | 0.5890% | 6,070 |
| Net loans and leases to total assets | 48.4782% | 6,595 |
| Net loans and leases to deposits | 62.4737% | 6,187 |
| Net loans and leases to core deposits | 67.2719% | 6,123 |
| Total domestic deposits to total assets | 77.5977% | 6,369 |
| Equity capital to assets | 10.9406% | 2,926 |
| Core capital (leverage) ratio | 9.6805% | 3,566 |
| Tier 1 risk-based capital ratio | 14.0658% | 3,683 |
| Total risk-based capital ratio | 14.9776% | 3,882 |
| Memoranda: | ||
| Average total assets | $35,475,330 | 7,158 |
| Average earning assets | $33,681,330 | 7,088 |
| Average equity | $3,711,670 | 7,211 |
| Average total loans | $16,744,670 | 7,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 3,770 |
| Cost of funding earning assets | 1.2957% | 4,843 |
| Net interest margin | 3.9577% | 3,064 |
| Noninterest income to average assets | 1.2867% | 732 |
| Noninterest expense to average assets | 2.9426% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0373% | 330 |
| Return on assets (ROA) | 2.0699% | 339 |
| Pretax return on assets | 2.1370% | 468 |
| Return on Equity (ROE) | 20.2352% | 368 |
| Retained earnings to average equity (ytd only) | 4.9221% | 3,192 |
| Net charge-offs to loans | -0.0242% | 7,122 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3149% | 6,438 |
| Assets per employee ($millions) | 2.3942% | 7,342 |
| Cash dividends to net income (ytd only)* | 75.6757% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,854 |
| Loan loss allowance to noncurrent loans | 126.7442% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,281 |
| Noncurrent loans to loans | 1.0366% | 5,264 |
| Net loans and leases to total assets | 45.5963% | 6,862 |
| Net loans and leases to deposits | 59.8655% | 6,484 |
| Net loans and leases to core deposits | 63.6565% | 6,479 |
| Total domestic deposits to total assets | 76.1646% | 6,727 |
| Equity capital to assets | 10.2331% | 3,556 |
| Core capital (leverage) ratio | 9.5624% | 3,687 |
| Tier 1 risk-based capital ratio | 14.0009% | 3,653 |
| Total risk-based capital ratio | 14.9217% | 3,835 |
| Memoranda: | ||
| Average total assets | $35,750,500 | 7,245 |
| Average earning assets | $33,959,000 | 7,164 |
| Average equity | $3,657,000 | 7,301 |
| Average total loans | $16,542,500 | 7,334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 3,545 |
| Cost of funding earning assets | 1.6050% | 5,003 |
| Net interest margin | 4.0062% | 2,837 |
| Noninterest income to average assets | 1.0820% | 1,320 |
| Noninterest expense to average assets | 3.2848% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5071% | 663 |
| Return on assets (ROA) | 1.5071% | 712 |
| Pretax return on assets | 1.5815% | 1,000 |
| Return on Equity (ROE) | 14.1383% | 759 |
| Retained earnings to average equity (ytd only) | -1.8126% | 5,468 |
| Net charge-offs to loans | 0.0373% | 6,747 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 88.6667% | 310 |
| Efficiency ratio | 67.5015% | 5,096 |
| Assets per employee ($millions) | 2.3725% | 7,389 |
| Cash dividends to net income (ytd only)* | 112.8205% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,670 |
| Loan loss allowance to noncurrent loans | 252.3256% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 6,859 |
| Noncurrent loans to loans | 0.5215% | 6,208 |
| Net loans and leases to total assets | 45.7317% | 7,006 |
| Net loans and leases to deposits | 60.7662% | 6,579 |
| Net loans and leases to core deposits | 74.4817% | 6,508 |
| Total domestic deposits to total assets | 75.2585% | 6,821 |
| Equity capital to assets | 10.2254% | 3,485 |
| Core capital (leverage) ratio | 9.5180% | 3,692 |
| Tier 1 risk-based capital ratio | 14.9022% | 3,004 |
| Total risk-based capital ratio | 15.8912% | 3,089 |
| Memoranda: | ||
| Average total assets | $33,640,000 | 7,343 |
| Average earning assets | $31,776,000 | 7,276 |
| Average equity | $3,586,000 | 7,419 |
| Average total loans | $16,090,800 | 7,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6924% | 3,378 |
| Cost of funding earning assets | 1.6587% | 5,115 |
| Net interest margin | 4.0337% | 2,665 |
| Noninterest income to average assets | 1.2628% | 965 |
| Noninterest expense to average assets | 3.1168% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8540% | 398 |
| Return on assets (ROA) | 1.8540% | 421 |
| Pretax return on assets | 1.9505% | 589 |
| Return on Equity (ROE) | 17.2038% | 531 |
| Retained earnings to average equity (ytd only) | 1.4182% | 4,522 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5079% | 6,192 |
| Assets per employee ($millions) | 2.2385% | 7,572 |
| Cash dividends to net income (ytd only)* | 91.7579% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,851 |
| Loan loss allowance to noncurrent loans | 1,238.8889% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 7,427 |
| Noncurrent loans to loans | 0.1144% | 7,191 |
| Net loans and leases to total assets | 46.1804% | 7,098 |
| Net loans and leases to deposits | 60.3417% | 6,807 |
| Net loans and leases to core deposits | 75.8351% | 6,627 |
| Total domestic deposits to total assets | 76.5316% | 6,464 |
| Equity capital to assets | 11.2547% | 2,787 |
| Core capital (leverage) ratio | 10.3032% | 2,972 |
| Tier 1 risk-based capital ratio | 16.0384% | 2,614 |
| Total risk-based capital ratio | 17.0984% | 2,621 |
| Memoranda: | ||
| Average total assets | $33,153,000 | 7,421 |
| Average earning assets | $31,269,000 | 7,360 |
| Average equity | $3,572,750 | 7,486 |
| Average total loans | $15,990,500 | 7,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 3,148 |
| Cost of funding earning assets | 1.7014% | 5,267 |
| Net interest margin | 4.0768% | 2,408 |
| Noninterest income to average assets | 1.2238% | 1,037 |
| Noninterest expense to average assets | 3.0959% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8781% | 391 |
| Return on assets (ROA) | 1.8781% | 422 |
| Pretax return on assets | 1.9751% | 596 |
| Return on Equity (ROE) | 17.6941% | 516 |
| Retained earnings to average equity (ytd only) | -1.0274% | 5,494 |
| Net charge-offs to loans | -0.0124% | 7,636 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0514% | 6,390 |
| Assets per employee ($millions) | 2.1710% | 7,708 |
| Cash dividends to net income (ytd only)* | 105.8065% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 3,332 |
| Loan loss allowance to noncurrent loans | 22,400.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,655 |
| Noncurrent loans to loans | 0.0066% | 7,551 |
| Net loans and leases to total assets | 45.9880% | 7,192 |
| Net loans and leases to deposits | 61.3444% | 6,790 |
| Net loans and leases to core deposits | 75.7358% | 6,696 |
| Total domestic deposits to total assets | 74.9670% | 6,768 |
| Equity capital to assets | 10.9136% | 3,007 |
| Core capital (leverage) ratio | 10.3364% | 2,965 |
| Tier 1 risk-based capital ratio | 15.9788% | 2,635 |
| Total risk-based capital ratio | 17.0575% | 2,629 |
| Memoranda: | ||
| Average total assets | $33,011,670 | 7,486 |
| Average earning assets | $31,151,670 | 7,433 |
| Average equity | $3,504,000 | 7,574 |
| Average total loans | $16,077,670 | 7,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8698% | 2,941 |
| Cost of funding earning assets | 1.7062% | 5,572 |
| Net interest margin | 4.1636% | 2,039 |
| Noninterest income to average assets | 1.6128% | 527 |
| Noninterest expense to average assets | 2.9367% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4793% | 141 |
| Return on assets (ROA) | 2.4793% | 170 |
| Pretax return on assets | 2.6117% | 210 |
| Return on Equity (ROE) | 23.6850% | 229 |
| Retained earnings to average equity (ytd only) | -2.1845% | 6,137 |
| Net charge-offs to loans | -0.0242% | 7,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9284% | 7,324 |
| Assets per employee ($millions) | 2.1704% | 7,752 |
| Cash dividends to net income (ytd only)* | 109.2233% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,354 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,630 |
| Noncurrent loans to loans | 0.0128% | 7,530 |
| Net loans and leases to total assets | 47.4843% | 7,065 |
| Net loans and leases to deposits | 62.2368% | 6,718 |
| Net loans and leases to core deposits | 74.6127% | 6,771 |
| Total domestic deposits to total assets | 76.2962% | 6,453 |
| Equity capital to assets | 10.6463% | 3,330 |
| Core capital (leverage) ratio | 9.9520% | 3,454 |
| Tier 1 risk-based capital ratio | 15.6822% | 2,792 |
| Total risk-based capital ratio | 16.7415% | 2,788 |
| Memoranda: | ||
| Average total assets | $33,235,000 | 7,522 |
| Average earning assets | $31,415,000 | 7,455 |
| Average equity | $3,479,000 | 7,630 |
| Average total loans | $16,516,500 | 7,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2928% | 3,999 |
| Cost of funding earning assets | 2.2016% | 5,592 |
| Net interest margin | 4.0912% | 2,751 |
| Noninterest income to average assets | 1.1751% | 1,113 |
| Noninterest expense to average assets | 3.5411% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4152% | 1,195 |
| Return on assets (ROA) | 1.4152% | 1,151 |
| Pretax return on assets | 1.4847% | 1,723 |
| Return on Equity (ROE) | 12.9532% | 1,336 |
| Retained earnings to average equity (ytd only) | -7.8645% | 6,877 |
| Net charge-offs to loans | -0.0171% | 7,911 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4588% | 4,257 |
| Assets per employee ($millions) | 2.1196% | 7,803 |
| Cash dividends to net income (ytd only)* | 160.7143% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 3,889 |
| Loan loss allowance to noncurrent loans | 857.6923% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 7,264 |
| Noncurrent loans to loans | 0.1499% | 6,962 |
| Net loans and leases to total assets | 50.5013% | 6,983 |
| Net loans and leases to deposits | 66.9442% | 6,571 |
| Net loans and leases to core deposits | 79.3615% | 6,659 |
| Total domestic deposits to total assets | 75.4379% | 6,354 |
| Equity capital to assets | 10.2966% | 3,714 |
| Core capital (leverage) ratio | 10.5436% | 2,943 |
| Tier 1 risk-based capital ratio | 15.4695% | 2,853 |
| Total risk-based capital ratio | 16.5036% | 2,863 |
| Memoranda: | ||
| Average total assets | $31,656,600 | 7,582 |
| Average earning assets | $29,796,000 | 7,522 |
| Average equity | $3,458,600 | 7,698 |
| Average total loans | $17,529,400 | 7,490 |