Home > Tri-County Trust Company > Performance and Condition Ratios
Tri-County Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 1,476 |
| Cost of funding earning assets | 1.3332% | 2,419 |
| Net interest margin | 3.9791% | 1,242 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.6071% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4354% | 1,149 |
| Return on assets (ROA) | 1.5141% | 960 |
| Pretax return on assets | 1.5141% | 1,383 |
| Return on Equity (ROE) | 14.0500% | 1,474 |
| Retained earnings to average equity (ytd only) | 2.7071% | 3,374 |
| Net charge-offs to loans | 0.0363% | 1,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 58.4000% | 1,201 |
| Efficiency ratio | 64.4913% | 2,547 |
| Assets per employee ($millions) | 6.9858% | 2,085 |
| Cash dividends to net income (ytd only)* | 80.7359% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 669 |
| Loan loss allowance to noncurrent loans | 452.1472% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 1,920 |
| Noncurrent loans to loans | 0.3752% | 1,866 |
| Net loans and leases to total assets | 67.9300% | 2,043 |
| Net loans and leases to deposits | 88.1408% | 1,415 |
| Net loans and leases to core deposits | 108.3881% | 1,021 |
| Total domestic deposits to total assets | 77.0600% | 3,845 |
| Equity capital to assets | 11.9051% | 1,162 |
| Core capital (leverage) ratio | 13.7797% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,026,800 | 4,204 |
| Average earning assets | $58,657,000 | 4,155 |
| Average equity | $6,575,400 | 4,101 |
| Average total loans | $41,271,800 | 3,973 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 1,351 |
| Cost of funding earning assets | 1.1442% | 2,606 |
| Net interest margin | 4.1098% | 1,049 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.6439% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5322% | 1,060 |
| Return on assets (ROA) | 1.5938% | 945 |
| Pretax return on assets | 1.5938% | 1,372 |
| Return on Equity (ROE) | 15.2100% | 1,414 |
| Retained earnings to average equity (ytd only) | -0.4621% | 4,206 |
| Net charge-offs to loans | 0.0229% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 99.4286% | 918 |
| Efficiency ratio | 63.3105% | 2,586 |
| Assets per employee ($millions) | 6.6880% | 2,192 |
| Cash dividends to net income (ytd only)* | 103.0387% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 639 |
| Loan loss allowance to noncurrent loans | 277.9851% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 1,310 |
| Noncurrent loans to loans | 0.6280% | 1,297 |
| Net loans and leases to total assets | 69.6700% | 1,869 |
| Net loans and leases to deposits | 85.8140% | 1,591 |
| Net loans and leases to core deposits | 107.6696% | 946 |
| Total domestic deposits to total assets | 81.1800% | 3,353 |
| Equity capital to assets | 10.0960% | 1,770 |
| Core capital (leverage) ratio | 13.5820% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $60,565,500 | 4,223 |
| Average earning assets | $58,265,750 | 4,179 |
| Average equity | $6,348,000 | 4,137 |
| Average total loans | $40,729,000 | 3,991 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,687 |
| Cost of funding earning assets | 1.0529% | 2,445 |
| Net interest margin | 3.8791% | 1,465 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.5276% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4006% | 1,331 |
| Return on assets (ROA) | 1.3775% | 1,366 |
| Pretax return on assets | 1.3775% | 1,866 |
| Return on Equity (ROE) | 12.9800% | 1,907 |
| Retained earnings to average equity (ytd only) | -10.1890% | 4,516 |
| Net charge-offs to loans | 0.0100% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 575 |
| Efficiency ratio | 64.3456% | 2,444 |
| Assets per employee ($millions) | 6.6169% | 2,195 |
| Cash dividends to net income (ytd only)* | 178.4689% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 607 |
| Loan loss allowance to noncurrent loans | 281.9549% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 1,196 |
| Noncurrent loans to loans | 0.6401% | 1,165 |
| Net loans and leases to total assets | 68.5300% | 1,911 |
| Net loans and leases to deposits | 77.4688% | 2,182 |
| Net loans and leases to core deposits | 97.8187% | 1,363 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 10.8729% | 1,438 |
| Core capital (leverage) ratio | 13.0026% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $60,690,000 | 4,243 |
| Average earning assets | $58,312,667 | 4,198 |
| Average equity | $6,438,333 | 4,146 |
| Average total loans | $40,079,333 | 4,012 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 1,700 |
| Cost of funding earning assets | 1.0231% | 1,969 |
| Net interest margin | 3.7445% | 1,800 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.4160% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3386% | 1,573 |
| Return on assets (ROA) | 1.3386% | 1,541 |
| Pretax return on assets | 1.3386% | 2,062 |
| Return on Equity (ROE) | 12.7700% | 2,028 |
| Retained earnings to average equity (ytd only) | -33.7072% | 4,645 |
| Net charge-offs to loans | -0.0407% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3478% | 2,411 |
| Assets per employee ($millions) | 6.9516% | 2,013 |
| Cash dividends to net income (ytd only)* | 363.9024% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 479 |
| Loan loss allowance to noncurrent loans | 187.5931% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 781 |
| Noncurrent loans to loans | 1.0430% | 697 |
| Net loans and leases to total assets | 60.5500% | 2,588 |
| Net loans and leases to deposits | 67.4741% | 2,816 |
| Net loans and leases to core deposits | 84.3573% | 1,966 |
| Total domestic deposits to total assets | 89.7400% | 1,253 |
| Equity capital to assets | 10.0809% | 1,777 |
| Core capital (leverage) ratio | 12.1704% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,259,000 | 4,297 |
| Average earning assets | $58,646,000 | 4,252 |
| Average equity | $6,420,000 | 4,201 |
| Average total loans | $39,339,500 | 4,080 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 629 |
| Cost of funding earning assets | 0.6973% | 587 |
| Net interest margin | 3.8835% | 995 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.3979% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5623% | 756 |
| Return on assets (ROA) | 1.5623% | 720 |
| Pretax return on assets | 1.5623% | 1,261 |
| Return on Equity (ROE) | 13.7900% | 1,578 |
| Retained earnings to average equity (ytd only) | 3.3976% | 3,594 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5505% | 2,977 |
| Assets per employee ($millions) | 6.6616% | 2,207 |
| Cash dividends to net income (ytd only)* | 75.3700% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 559 |
| Loan loss allowance to noncurrent loans | 242.5806% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 982 |
| Noncurrent loans to loans | 0.7742% | 962 |
| Net loans and leases to total assets | 65.5300% | 2,086 |
| Net loans and leases to deposits | 74.5866% | 2,206 |
| Net loans and leases to core deposits | 93.6430% | 1,310 |
| Total domestic deposits to total assets | 87.8600% | 2,120 |
| Equity capital to assets | 10.8967% | 1,299 |
| Core capital (leverage) ratio | 13.7057% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $60,552,200 | 4,329 |
| Average earning assets | $58,220,800 | 4,288 |
| Average equity | $6,857,800 | 4,232 |
| Average total loans | $39,119,400 | 4,079 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 489 |
| Cost of funding earning assets | 0.6261% | 384 |
| Net interest margin | 3.8891% | 821 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.4666% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5331% | 770 |
| Return on assets (ROA) | 1.5309% | 760 |
| Pretax return on assets | 1.5309% | 1,320 |
| Return on Equity (ROE) | 13.3900% | 1,589 |
| Retained earnings to average equity (ytd only) | -0.3074% | 4,372 |
| Net charge-offs to loans | -0.0034% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.6694% | 2,871 |
| Assets per employee ($millions) | 6.6102% | 2,232 |
| Cash dividends to net income (ytd only)* | 102.2956% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 643 |
| Loan loss allowance to noncurrent loans | 388.1443% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 1,639 |
| Noncurrent loans to loans | 0.4808% | 1,597 |
| Net loans and leases to total assets | 66.5600% | 1,828 |
| Net loans and leases to deposits | 74.7259% | 1,982 |
| Net loans and leases to core deposits | 94.0968% | 1,090 |
| Total domestic deposits to total assets | 89.0700% | 2,062 |
| Equity capital to assets | 9.7190% | 1,761 |
| Core capital (leverage) ratio | 13.3154% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,701,750 | 4,366 |
| Average earning assets | $58,349,500 | 4,315 |
| Average equity | $6,939,000 | 4,264 |
| Average total loans | $38,889,500 | 4,105 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 425 |
| Cost of funding earning assets | 0.6210% | 239 |
| Net interest margin | 3.7945% | 759 |
| Noninterest income to average assets | 0.2717% | 3,542 |
| Noninterest expense to average assets | 2.4515% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4598% | 776 |
| Return on assets (ROA) | 1.4598% | 757 |
| Pretax return on assets | 1.4598% | 1,283 |
| Return on Equity (ROE) | 12.1780% | 1,623 |
| Retained earnings to average equity (ytd only) | -7.2904% | 4,599 |
| Net charge-offs to loans | 0.0104% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 509 |
| Efficiency ratio | 62.6778% | 2,955 |
| Assets per employee ($millions) | 6.6493% | 2,213 |
| Cash dividends to net income (ytd only)* | 159.8655% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9425% | 612 |
| Loan loss allowance to noncurrent loans | 457.3171% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 1,940 |
| Noncurrent loans to loans | 0.4247% | 1,844 |
| Net loans and leases to total assets | 63.2662% | 1,985 |
| Net loans and leases to deposits | 71.2530% | 2,086 |
| Net loans and leases to core deposits | 87.5642% | 1,243 |
| Total domestic deposits to total assets | 88.7909% | 2,264 |
| Equity capital to assets | 10.7814% | 1,319 |
| Core capital (leverage) ratio | 12.4499% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,105,000 | 4,403 |
| Average earning assets | $58,611,667 | 4,370 |
| Average equity | $7,324,667 | 4,274 |
| Average total loans | $38,403,333 | 4,168 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 434 |
| Cost of funding earning assets | 0.6341% | 215 |
| Net interest margin | 3.6696% | 791 |
| Noninterest income to average assets | 0.2397% | 3,710 |
| Noninterest expense to average assets | 2.3844% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3801% | 835 |
| Return on assets (ROA) | 1.3801% | 828 |
| Pretax return on assets | 1.3801% | 1,297 |
| Return on Equity (ROE) | 10.9780% | 1,626 |
| Retained earnings to average equity (ytd only) | -25.7699% | 4,734 |
| Net charge-offs to loans | -0.0209% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3391% | 3,097 |
| Assets per employee ($millions) | 7.0106% | 1,990 |
| Cash dividends to net income (ytd only)* | 334.7418% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 598 |
| Loan loss allowance to noncurrent loans | 446.1538% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 2,069 |
| Noncurrent loans to loans | 0.4531% | 1,892 |
| Net loans and leases to total assets | 57.9158% | 2,309 |
| Net loans and leases to deposits | 65.4066% | 2,391 |
| Net loans and leases to core deposits | 81.1936% | 1,406 |
| Total domestic deposits to total assets | 88.5474% | 2,279 |
| Equity capital to assets | 11.0595% | 1,302 |
| Core capital (leverage) ratio | 11.8745% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,735,500 | 4,424 |
| Average earning assets | $59,297,500 | 4,388 |
| Average equity | $7,761,000 | 4,291 |
| Average total loans | $38,299,500 | 4,183 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 642 |
| Cost of funding earning assets | 0.6983% | 326 |
| Net interest margin | 3.7574% | 1,089 |
| Noninterest income to average assets | 0.2587% | 3,829 |
| Noninterest expense to average assets | 2.3271% | 2,721 |
| Loan and lease loss provision to assets | 0.0958% | 1,302 |
| Net operating income to assets | 1.4454% | 1,146 |
| Return on assets (ROA) | 1.4454% | 1,222 |
| Pretax return on assets | 1.4454% | 1,895 |
| Return on Equity (ROE) | 11.0288% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.4230% | 2,607 |
| Net charge-offs to loans | 0.0810% | 991 |
| Credit loss provision to net charge-offs | 181.8182% | 1,359 |
| Earnings coverage of net charge-offs (x) | 29.2424% | 1,622 |
| Efficiency ratio | 60.1569% | 3,121 |
| Assets per employee ($millions) | 6.7084% | 2,148 |
| Cash dividends to net income (ytd only)* | 50.8287% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 708 |
| Loan loss allowance to noncurrent loans | 434.6821% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 2,104 |
| Noncurrent loans to loans | 0.4402% | 2,038 |
| Net loans and leases to total assets | 63.8515% | 1,720 |
| Net loans and leases to deposits | 74.8185% | 1,661 |
| Net loans and leases to core deposits | 95.3784% | 717 |
| Total domestic deposits to total assets | 85.3419% | 3,157 |
| Equity capital to assets | 14.1513% | 636 |
| Core capital (leverage) ratio | 13.0105% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,611,000 | 4,419 |
| Average earning assets | $60,148,600 | 4,382 |
| Average equity | $8,205,800 | 4,314 |
| Average total loans | $40,735,800 | 4,171 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 793 |
| Cost of funding earning assets | 0.7106% | 358 |
| Net interest margin | 3.7001% | 1,331 |
| Noninterest income to average assets | 0.2723% | 3,789 |
| Noninterest expense to average assets | 2.2394% | 2,930 |
| Loan and lease loss provision to assets | 0.1266% | 924 |
| Net operating income to assets | 1.4564% | 1,375 |
| Return on assets (ROA) | 1.4627% | 1,410 |
| Pretax return on assets | 1.4627% | 2,103 |
| Return on Equity (ROE) | 11.3773% | 2,252 |
| Retained earnings to average equity (ytd only) | 3.8088% | 3,635 |
| Net charge-offs to loans | -0.0032% | 3,323 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5864% | 3,184 |
| Assets per employee ($millions) | 6.7103% | 2,085 |
| Cash dividends to net income (ytd only)* | 66.5224% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 639 |
| Loan loss allowance to noncurrent loans | 145.0185% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 368 |
| Noncurrent loans to loans | 1.3755% | 773 |
| Net loans and leases to total assets | 63.9462% | 1,781 |
| Net loans and leases to deposits | 75.4410% | 1,719 |
| Net loans and leases to core deposits | 97.3335% | 684 |
| Total domestic deposits to total assets | 84.7631% | 3,192 |
| Equity capital to assets | 13.8278% | 774 |
| Core capital (leverage) ratio | 12.6111% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,169,750 | 4,472 |
| Average earning assets | $60,608,750 | 4,437 |
| Average equity | $8,121,250 | 4,379 |
| Average total loans | $41,094,000 | 4,215 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 946 |
| Cost of funding earning assets | 0.7201% | 416 |
| Net interest margin | 3.6133% | 1,561 |
| Noninterest income to average assets | 0.2964% | 3,654 |
| Noninterest expense to average assets | 2.2623% | 2,872 |
| Loan and lease loss provision to assets | 0.0468% | 2,086 |
| Net operating income to assets | 1.4478% | 1,423 |
| Return on assets (ROA) | 1.4603% | 1,460 |
| Pretax return on assets | 1.4603% | 2,137 |
| Return on Equity (ROE) | 11.6350% | 2,188 |
| Retained earnings to average equity (ytd only) | 0.1740% | 4,484 |
| Net charge-offs to loans | 0.0096% | 1,787 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 239.5000% | 448 |
| Efficiency ratio | 60.2159% | 2,992 |
| Assets per employee ($millions) | 7.0108% | 1,802 |
| Cash dividends to net income (ytd only)* | 98.5043% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 845 |
| Loan loss allowance to noncurrent loans | 135.1648% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 901 |
| Noncurrent loans to loans | 1.3533% | 863 |
| Net loans and leases to total assets | 62.7732% | 2,088 |
| Net loans and leases to deposits | 72.6286% | 2,150 |
| Net loans and leases to core deposits | 92.0495% | 1,001 |
| Total domestic deposits to total assets | 86.4304% | 2,579 |
| Equity capital to assets | 12.8928% | 981 |
| Core capital (leverage) ratio | 11.6101% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,095,333 | 4,489 |
| Average earning assets | $61,384,000 | 4,457 |
| Average equity | $8,044,667 | 4,407 |
| Average total loans | $41,657,000 | 4,242 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 1,024 |
| Cost of funding earning assets | 0.7372% | 473 |
| Net interest margin | 3.5760% | 1,647 |
| Noninterest income to average assets | 0.3096% | 3,554 |
| Noninterest expense to average assets | 2.2541% | 2,928 |
| Loan and lease loss provision to assets | 0.0619% | 1,891 |
| Net operating income to assets | 1.4181% | 1,527 |
| Return on assets (ROA) | 1.4428% | 1,530 |
| Pretax return on assets | 1.4428% | 2,161 |
| Return on Equity (ROE) | 11.6507% | 2,146 |
| Retained earnings to average equity (ytd only) | -11.4007% | 4,836 |
| Net charge-offs to loans | 0.0284% | 1,205 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 79.6667% | 705 |
| Efficiency ratio | 60.3648% | 2,988 |
| Assets per employee ($millions) | 7.2927% | 1,590 |
| Cash dividends to net income (ytd only)* | 197.8541% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 940 |
| Loan loss allowance to noncurrent loans | 130.2491% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 1,035 |
| Noncurrent loans to loans | 1.3440% | 957 |
| Net loans and leases to total assets | 62.5971% | 2,219 |
| Net loans and leases to deposits | 71.3579% | 2,380 |
| Net loans and leases to core deposits | 93.8314% | 992 |
| Total domestic deposits to total assets | 87.7228% | 1,989 |
| Equity capital to assets | 11.7698% | 1,402 |
| Core capital (leverage) ratio | 11.1546% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,594,500 | 4,500 |
| Average earning assets | $61,857,500 | 4,463 |
| Average equity | $7,999,500 | 4,429 |
| Average total loans | $42,312,500 | 4,250 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 607 |
| Cost of funding earning assets | 0.9590% | 693 |
| Net interest margin | 3.9299% | 1,138 |
| Noninterest income to average assets | 0.2883% | 3,760 |
| Noninterest expense to average assets | 2.5964% | 2,556 |
| Loan and lease loss provision to assets | 0.1884% | 2,068 |
| Net operating income to assets | 1.2695% | 1,338 |
| Return on assets (ROA) | 1.2679% | 1,445 |
| Pretax return on assets | 1.2679% | 2,089 |
| Return on Equity (ROE) | 10.2715% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.9632% | 2,290 |
| Net charge-offs to loans | 0.2259% | 769 |
| Credit loss provision to net charge-offs | 118.5567% | 2,646 |
| Earnings coverage of net charge-offs (x) | 9.1753% | 2,542 |
| Efficiency ratio | 64.0404% | 2,815 |
| Assets per employee ($millions) | 5.7777% | 2,559 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 1,053 |
| Loan loss allowance to noncurrent loans | 130.1616% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 1,140 |
| Noncurrent loans to loans | 1.3012% | 1,048 |
| Net loans and leases to total assets | 66.2151% | 2,073 |
| Net loans and leases to deposits | 76.3549% | 2,246 |
| Net loans and leases to core deposits | 104.7205% | 699 |
| Total domestic deposits to total assets | 86.7202% | 2,069 |
| Equity capital to assets | 13.0186% | 1,079 |
| Core capital (leverage) ratio | 11.5670% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,046,200 | 4,503 |
| Average earning assets | $58,499,800 | 4,459 |
| Average equity | $7,535,400 | 4,474 |
| Average total loans | $42,930,200 | 4,257 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 709 |
| Cost of funding earning assets | 1.0128% | 728 |
| Net interest margin | 3.9037% | 1,342 |
| Noninterest income to average assets | 0.1699% | 4,453 |
| Noninterest expense to average assets | 2.6702% | 2,342 |
| Loan and lease loss provision to assets | 0.1870% | 2,115 |
| Net operating income to assets | 1.0548% | 2,123 |
| Return on assets (ROA) | 1.0548% | 2,259 |
| Pretax return on assets | 1.0548% | 2,889 |
| Return on Equity (ROE) | 8.6701% | 2,535 |
| Retained earnings to average equity (ytd only) | 1.4148% | 4,107 |
| Net charge-offs to loans | 0.2204% | 693 |
| Credit loss provision to net charge-offs | 119.7183% | 2,498 |
| Earnings coverage of net charge-offs (x) | 7.9296% | 2,536 |
| Efficiency ratio | 68.2459% | 2,153 |
| Assets per employee ($millions) | 5.2798% | 2,917 |
| Cash dividends to net income (ytd only)* | 83.6820% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 1,120 |
| Loan loss allowance to noncurrent loans | 119.1736% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 1,174 |
| Noncurrent loans to loans | 1.3364% | 1,106 |
| Net loans and leases to total assets | 70.3163% | 1,904 |
| Net loans and leases to deposits | 80.7698% | 2,228 |
| Net loans and leases to core deposits | 113.2835% | 584 |
| Total domestic deposits to total assets | 87.0577% | 1,647 |
| Equity capital to assets | 12.4183% | 1,460 |
| Core capital (leverage) ratio | 11.3642% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,419,000 | 4,526 |
| Average earning assets | $57,926,000 | 4,486 |
| Average equity | $7,350,750 | 4,514 |
| Average total loans | $42,960,750 | 4,278 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 575 |
| Cost of funding earning assets | 1.1009% | 713 |
| Net interest margin | 4.0941% | 1,126 |
| Noninterest income to average assets | 0.1144% | 4,723 |
| Noninterest expense to average assets | 2.7322% | 2,283 |
| Loan and lease loss provision to assets | 0.1682% | 2,327 |
| Net operating income to assets | 1.1306% | 1,877 |
| Return on assets (ROA) | 1.1306% | 1,993 |
| Pretax return on assets | 1.1306% | 2,615 |
| Return on Equity (ROE) | 9.3615% | 2,219 |
| Retained earnings to average equity (ytd only) | -1.7831% | 4,566 |
| Net charge-offs to loans | -0.0142% | 4,304 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7796% | 2,265 |
| Assets per employee ($millions) | 5.1701% | 2,977 |
| Cash dividends to net income (ytd only)* | 119.0476% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7408% | 745 |
| Loan loss allowance to noncurrent loans | 107.0423% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 974 |
| Noncurrent loans to loans | 1.6262% | 902 |
| Net loans and leases to total assets | 69.1462% | 2,166 |
| Net loans and leases to deposits | 79.1801% | 2,525 |
| Net loans and leases to core deposits | 108.3089% | 801 |
| Total domestic deposits to total assets | 87.3277% | 1,485 |
| Equity capital to assets | 12.3386% | 1,461 |
| Core capital (leverage) ratio | 11.5987% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,439,333 | 4,553 |
| Average earning assets | $56,862,000 | 4,513 |
| Average equity | $7,178,333 | 4,548 |
| Average total loans | $42,190,333 | 4,309 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 882 |
| Cost of funding earning assets | 1.1522% | 900 |
| Net interest margin | 3.8960% | 1,684 |
| Noninterest income to average assets | 0.0550% | 4,964 |
| Noninterest expense to average assets | 2.7314% | 2,629 |
| Loan and lease loss provision to assets | 0.0688% | 2,892 |
| Net operating income to assets | 0.9770% | 2,258 |
| Return on assets (ROA) | 0.9770% | 2,360 |
| Pretax return on assets | 0.9770% | 2,909 |
| Return on Equity (ROE) | 8.1844% | 2,436 |
| Retained earnings to average equity (ytd only) | -14.8703% | 4,891 |
| Net charge-offs to loans | 0.0193% | 1,979 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 690 |
| Efficiency ratio | 72.3133% | 2,037 |
| Assets per employee ($millions) | 4.8356% | 2,831 |
| Cash dividends to net income (ytd only)* | 281.6901% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 871 |
| Loan loss allowance to noncurrent loans | 327.9817% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 2,937 |
| Noncurrent loans to loans | 0.5200% | 2,705 |
| Net loans and leases to total assets | 71.0152% | 2,089 |
| Net loans and leases to deposits | 80.1712% | 2,657 |
| Net loans and leases to core deposits | 106.8700% | 1,009 |
| Total domestic deposits to total assets | 88.5795% | 847 |
| Equity capital to assets | 11.1052% | 2,769 |
| Core capital (leverage) ratio | 11.6996% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,138,500 | 4,578 |
| Average earning assets | $55,544,500 | 4,551 |
| Average equity | $6,940,000 | 4,607 |
| Average total loans | $41,456,000 | 4,339 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 1,275 |
| Cost of funding earning assets | 1.1499% | 1,160 |
| Net interest margin | 3.9241% | 2,094 |
| Noninterest income to average assets | 0.1409% | 4,772 |
| Noninterest expense to average assets | 2.6441% | 3,049 |
| Loan and lease loss provision to assets | 0.0601% | 2,838 |
| Net operating income to assets | 1.1889% | 2,097 |
| Return on assets (ROA) | 1.2044% | 2,132 |
| Pretax return on assets | 1.2044% | 2,831 |
| Return on Equity (ROE) | 9.7194% | 2,431 |
| Retained earnings to average equity (ytd only) | 0.1664% | 4,640 |
| Net charge-offs to loans | 0.4510% | 416 |
| Credit loss provision to net charge-offs | 18.4211% | 3,323 |
| Earnings coverage of net charge-offs (x) | 3.8263% | 3,282 |
| Efficiency ratio | 67.9170% | 2,475 |
| Assets per employee ($millions) | 4.8542% | 2,768 |
| Cash dividends to net income (ytd only)* | 98.2882% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 754 |
| Loan loss allowance to noncurrent loans | 191.5989% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 1,483 |
| Noncurrent loans to loans | 0.9002% | 1,708 |
| Net loans and leases to total assets | 69.1536% | 2,522 |
| Net loans and leases to deposits | 79.5160% | 2,835 |
| Net loans and leases to core deposits | 107.9541% | 980 |
| Total domestic deposits to total assets | 86.9682% | 1,623 |
| Equity capital to assets | 12.7657% | 1,668 |
| Core capital (leverage) ratio | 12.3187% | 1,582 |
| Tier 1 risk-based capital ratio | 14.5479% | 2,994 |
| Total risk-based capital ratio | 15.7996% | 2,901 |
| Memoranda: | ||
| Average total assets | $58,205,200 | 4,622 |
| Average earning assets | $55,656,000 | 4,592 |
| Average equity | $7,212,400 | 4,613 |
| Average total loans | $42,129,000 | 4,359 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 1,599 |
| Cost of funding earning assets | 1.1398% | 1,211 |
| Net interest margin | 3.8384% | 2,471 |
| Noninterest income to average assets | 0.1146% | 4,938 |
| Noninterest expense to average assets | 2.6142% | 3,126 |
| Loan and lease loss provision to assets | 0.0344% | 3,216 |
| Net operating income to assets | 1.1387% | 2,421 |
| Return on assets (ROA) | 1.1547% | 2,436 |
| Pretax return on assets | 1.1547% | 3,119 |
| Return on Equity (ROE) | 9.3898% | 2,721 |
| Retained earnings to average equity (ytd only) | 1.2109% | 4,513 |
| Net charge-offs to loans | 0.1666% | 1,012 |
| Credit loss provision to net charge-offs | 28.3019% | 2,923 |
| Earnings coverage of net charge-offs (x) | 9.6611% | 2,557 |
| Efficiency ratio | 69.0260% | 2,253 |
| Assets per employee ($millions) | 4.8801% | 2,689 |
| Cash dividends to net income (ytd only)* | 87.1038% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 534 |
| Loan loss allowance to noncurrent loans | 90.1532% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 687 |
| Noncurrent loans to loans | 2.1374% | 615 |
| Net loans and leases to total assets | 71.6142% | 2,236 |
| Net loans and leases to deposits | 82.5844% | 2,609 |
| Net loans and leases to core deposits | 112.0378% | 844 |
| Total domestic deposits to total assets | 86.7164% | 1,671 |
| Equity capital to assets | 12.8960% | 1,689 |
| Core capital (leverage) ratio | 12.3759% | 1,637 |
| Tier 1 risk-based capital ratio | 14.5368% | 3,059 |
| Total risk-based capital ratio | 15.7925% | 2,983 |
| Memoranda: | ||
| Average total assets | $58,194,000 | 4,688 |
| Average earning assets | $55,681,750 | 4,654 |
| Average equity | $7,156,500 | 4,676 |
| Average total loans | $42,414,000 | 4,407 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 1,975 |
| Cost of funding earning assets | 1.1135% | 1,247 |
| Net interest margin | 3.7142% | 2,891 |
| Noninterest income to average assets | 0.1240% | 4,952 |
| Noninterest expense to average assets | 2.6106% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0745% | 2,633 |
| Return on assets (ROA) | 1.0780% | 2,682 |
| Pretax return on assets | 1.0780% | 3,298 |
| Return on Equity (ROE) | 8.9115% | 2,893 |
| Retained earnings to average equity (ytd only) | -3.5874% | 4,999 |
| Net charge-offs to loans | 0.2553% | 657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,618 |
| Efficiency ratio | 70.8411% | 2,089 |
| Assets per employee ($millions) | 4.8254% | 2,708 |
| Cash dividends to net income (ytd only)* | 140.2556% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 591 |
| Loan loss allowance to noncurrent loans | 53.2279% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.6906% | 256 |
| Noncurrent loans to loans | 3.5243% | 234 |
| Net loans and leases to total assets | 72.9885% | 2,061 |
| Net loans and leases to deposits | 83.6563% | 2,528 |
| Net loans and leases to core deposits | 114.4219% | 762 |
| Total domestic deposits to total assets | 87.2481% | 1,467 |
| Equity capital to assets | 12.4756% | 1,872 |
| Core capital (leverage) ratio | 11.9007% | 1,887 |
| Tier 1 risk-based capital ratio | 14.3576% | 3,140 |
| Total risk-based capital ratio | 15.6130% | 3,049 |
| Memoranda: | ||
| Average total assets | $58,071,670 | 4,724 |
| Average earning assets | $55,678,000 | 4,690 |
| Average equity | $7,024,670 | 4,722 |
| Average total loans | $42,298,000 | 4,439 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 2,430 |
| Cost of funding earning assets | 1.0654% | 1,309 |
| Net interest margin | 3.5705% | 3,362 |
| Noninterest income to average assets | 0.2132% | 4,467 |
| Noninterest expense to average assets | 2.5312% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0936% | 2,498 |
| Return on assets (ROA) | 1.0936% | 2,540 |
| Pretax return on assets | 1.0936% | 3,170 |
| Return on Equity (ROE) | 9.1841% | 2,714 |
| Retained earnings to average equity (ytd only) | -16.1733% | 5,220 |
| Net charge-offs to loans | 0.5440% | 274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.7895% | 2,459 |
| Efficiency ratio | 69.8292% | 2,370 |
| Assets per employee ($millions) | 4.8725% | 2,675 |
| Cash dividends to net income (ytd only)* | 276.1006% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 561 |
| Loan loss allowance to noncurrent loans | 71.8750% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9155% | 532 |
| Noncurrent loans to loans | 2.7052% | 446 |
| Net loans and leases to total assets | 69.4322% | 2,563 |
| Net loans and leases to deposits | 78.9103% | 2,960 |
| Net loans and leases to core deposits | 107.0624% | 1,097 |
| Total domestic deposits to total assets | 87.9887% | 1,342 |
| Equity capital to assets | 11.7650% | 2,179 |
| Core capital (leverage) ratio | 11.7189% | 1,965 |
| Tier 1 risk-based capital ratio | 14.0285% | 3,330 |
| Total risk-based capital ratio | 15.2828% | 3,243 |
| Memoranda: | ||
| Average total assets | $58,155,000 | 4,771 |
| Average earning assets | $55,567,000 | 4,740 |
| Average equity | $6,925,000 | 4,768 |
| Average total loans | $41,911,000 | 4,494 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 1,404 |
| Cost of funding earning assets | 0.8485% | 1,314 |
| Net interest margin | 4.0070% | 1,965 |
| Noninterest income to average assets | 0.2008% | 4,706 |
| Noninterest expense to average assets | 2.6640% | 3,141 |
| Loan and lease loss provision to assets | 0.3537% | 428 |
| Net operating income to assets | 1.0521% | 2,797 |
| Return on assets (ROA) | 1.0521% | 2,783 |
| Pretax return on assets | 1.0521% | 3,438 |
| Return on Equity (ROE) | 8.7184% | 3,137 |
| Retained earnings to average equity (ytd only) | 3.6376% | 3,580 |
| Net charge-offs to loans | -0.2222% | 5,279 |
| Credit loss provision to net charge-offs | -213.9785% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4585% | 2,959 |
| Assets per employee ($millions) | 4.8200% | 2,711 |
| Cash dividends to net income (ytd only)* | 58.2770% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 448 |
| Loan loss allowance to noncurrent loans | 129.4294% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 1,147 |
| Noncurrent loans to loans | 1.5700% | 942 |
| Net loans and leases to total assets | 71.8499% | 2,286 |
| Net loans and leases to deposits | 81.9555% | 2,738 |
| Net loans and leases to core deposits | 111.0049% | 941 |
| Total domestic deposits to total assets | 87.6694% | 1,461 |
| Equity capital to assets | 12.0522% | 1,859 |
| Core capital (leverage) ratio | 12.3524% | 1,536 |
| Tier 1 risk-based capital ratio | 14.4770% | 3,071 |
| Total risk-based capital ratio | 15.7326% | 2,983 |
| Memoranda: | ||
| Average total assets | $56,268,200 | 4,826 |
| Average earning assets | $54,330,600 | 4,782 |
| Average equity | $6,790,200 | 4,778 |
| Average total loans | $41,857,400 | 4,500 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 1,339 |
| Cost of funding earning assets | 0.7716% | 1,471 |
| Net interest margin | 4.0603% | 1,758 |
| Noninterest income to average assets | 0.1885% | 4,846 |
| Noninterest expense to average assets | 2.5843% | 3,331 |
| Loan and lease loss provision to assets | 0.0358% | 3,293 |
| Net operating income to assets | 1.4985% | 1,198 |
| Return on assets (ROA) | 1.4985% | 1,194 |
| Pretax return on assets | 1.4985% | 1,898 |
| Return on Equity (ROE) | 12.4138% | 1,629 |
| Retained earnings to average equity (ytd only) | 5.5941% | 2,891 |
| Net charge-offs to loans | -0.2844% | 5,351 |
| Credit loss provision to net charge-offs | -16.8539% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7462% | 3,385 |
| Assets per employee ($millions) | 4.7272% | 2,809 |
| Cash dividends to net income (ytd only)* | 54.9366% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,081 |
| Loan loss allowance to noncurrent loans | 119.0813% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 1,463 |
| Noncurrent loans to loans | 1.3445% | 1,237 |
| Net loans and leases to total assets | 73.0230% | 2,161 |
| Net loans and leases to deposits | 88.2711% | 2,114 |
| Net loans and leases to core deposits | 118.5411% | 627 |
| Total domestic deposits to total assets | 82.7257% | 3,396 |
| Equity capital to assets | 12.0368% | 1,889 |
| Core capital (leverage) ratio | 12.6258% | 1,447 |
| Tier 1 risk-based capital ratio | 14.9479% | 2,908 |
| Total risk-based capital ratio | 16.2004% | 2,827 |
| Memoranda: | ||
| Average total assets | $55,875,250 | 4,889 |
| Average earning assets | $54,083,250 | 4,837 |
| Average equity | $6,745,000 | 4,832 |
| Average total loans | $41,716,750 | 4,549 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 1,137 |
| Cost of funding earning assets | 0.7030% | 1,606 |
| Net interest margin | 4.1437% | 1,430 |
| Noninterest income to average assets | 0.1655% | 5,002 |
| Noninterest expense to average assets | 2.6155% | 3,284 |
| Loan and lease loss provision to assets | 0.0360% | 3,195 |
| Net operating income to assets | 1.5218% | 1,101 |
| Return on assets (ROA) | 1.5218% | 1,103 |
| Pretax return on assets | 1.5218% | 1,740 |
| Return on Equity (ROE) | 12.5943% | 1,507 |
| Retained earnings to average equity (ytd only) | 2.3224% | 4,344 |
| Net charge-offs to loans | -0.1779% | 5,304 |
| Credit loss provision to net charge-offs | -27.0270% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6724% | 3,537 |
| Assets per employee ($millions) | 4.6724% | 2,851 |
| Cash dividends to net income (ytd only)* | 81.5603% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,371 |
| Loan loss allowance to noncurrent loans | 156.5990% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 2,125 |
| Noncurrent loans to loans | 0.9634% | 1,802 |
| Net loans and leases to total assets | 71.8418% | 2,301 |
| Net loans and leases to deposits | 82.3961% | 2,729 |
| Net loans and leases to core deposits | 101.5940% | 1,592 |
| Total domestic deposits to total assets | 87.1908% | 1,761 |
| Equity capital to assets | 12.0477% | 1,827 |
| Core capital (leverage) ratio | 12.4719% | 1,454 |
| Tier 1 risk-based capital ratio | 14.8525% | 2,945 |
| Total risk-based capital ratio | 16.1038% | 2,873 |
| Memoranda: | ||
| Average total assets | $55,591,670 | 4,951 |
| Average earning assets | $53,769,000 | 4,900 |
| Average equity | $6,717,330 | 4,890 |
| Average total loans | $41,590,000 | 4,597 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 1,039 |
| Cost of funding earning assets | 0.6509% | 1,714 |
| Net interest margin | 4.1671% | 1,257 |
| Noninterest income to average assets | 0.1301% | 5,214 |
| Noninterest expense to average assets | 2.6521% | 3,187 |
| Loan and lease loss provision to assets | 0.0723% | 2,317 |
| Net operating income to assets | 1.4308% | 1,250 |
| Return on assets (ROA) | 1.4308% | 1,260 |
| Pretax return on assets | 1.4308% | 1,900 |
| Return on Equity (ROE) | 11.8235% | 1,642 |
| Retained earnings to average equity (ytd only) | -8.7781% | 5,326 |
| Net charge-offs to loans | -0.0954% | 5,188 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8261% | 3,504 |
| Assets per employee ($millions) | 4.5512% | 3,066 |
| Cash dividends to net income (ytd only)* | 174.2424% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,660 |
| Loan loss allowance to noncurrent loans | 215.3285% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,852 |
| Noncurrent loans to loans | 0.6733% | 2,534 |
| Net loans and leases to total assets | 73.4372% | 1,961 |
| Net loans and leases to deposits | 83.6242% | 2,433 |
| Net loans and leases to core deposits | 97.1702% | 1,893 |
| Total domestic deposits to total assets | 87.8181% | 1,716 |
| Equity capital to assets | 11.9164% | 1,850 |
| Core capital (leverage) ratio | 12.0948% | 1,594 |
| Tier 1 risk-based capital ratio | 14.3476% | 3,201 |
| Total risk-based capital ratio | 15.5982% | 3,111 |
| Memoranda: | ||
| Average total assets | $55,353,000 | 5,012 |
| Average earning assets | $53,467,000 | 4,967 |
| Average equity | $6,698,500 | 4,943 |
| Average total loans | $41,936,000 | 4,637 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 979 |
| Cost of funding earning assets | 0.6069% | 1,551 |
| Net interest margin | 4.1914% | 1,208 |
| Noninterest income to average assets | 0.1249% | 5,320 |
| Noninterest expense to average assets | 2.5973% | 3,455 |
| Loan and lease loss provision to assets | 0.3403% | 480 |
| Net operating income to assets | 1.1873% | 1,556 |
| Return on assets (ROA) | 1.1674% | 1,656 |
| Pretax return on assets | 1.1674% | 2,906 |
| Return on Equity (ROE) | 9.7644% | 1,996 |
| Retained earnings to average equity (ytd only) | 3.0732% | 3,459 |
| Net charge-offs to loans | 0.5639% | 411 |
| Credit loss provision to net charge-offs | 80.0000% | 2,940 |
| Earnings coverage of net charge-offs (x) | 3.5915% | 3,582 |
| Efficiency ratio | 62.9662% | 3,781 |
| Assets per employee ($millions) | 5.0993% | 2,364 |
| Cash dividends to net income (ytd only)* | 68.5271% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,116 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 3,804 |
| Noncurrent loans to loans | 0.3521% | 3,499 |
| Net loans and leases to total assets | 75.9556% | 1,605 |
| Net loans and leases to deposits | 88.5078% | 1,954 |
| Net loans and leases to core deposits | 103.4730% | 1,447 |
| Total domestic deposits to total assets | 85.8179% | 2,526 |
| Equity capital to assets | 12.2816% | 1,649 |
| Core capital (leverage) ratio | 12.2512% | 1,470 |
| Tier 1 risk-based capital ratio | 14.1939% | 3,261 |
| Total risk-based capital ratio | 14.1939% | 3,841 |
| Memoranda: | ||
| Average total assets | $55,249,800 | 5,059 |
| Average earning assets | $52,726,800 | 5,020 |
| Average equity | $6,605,600 | 5,004 |
| Average total loans | $41,677,000 | 4,676 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 829 |
| Cost of funding earning assets | 0.5929% | 1,580 |
| Net interest margin | 4.2619% | 1,020 |
| Noninterest income to average assets | 0.1793% | 5,118 |
| Noninterest expense to average assets | 2.5896% | 3,439 |
| Loan and lease loss provision to assets | 0.3101% | 502 |
| Net operating income to assets | 1.3372% | 1,228 |
| Return on assets (ROA) | 1.3106% | 1,334 |
| Pretax return on assets | 1.3106% | 2,435 |
| Return on Equity (ROE) | 11.0382% | 1,686 |
| Retained earnings to average equity (ytd only) | 2.0200% | 4,630 |
| Net charge-offs to loans | 0.7522% | 246 |
| Credit loss provision to net charge-offs | 54.9356% | 2,857 |
| Earnings coverage of net charge-offs (x) | 2.9184% | 3,408 |
| Efficiency ratio | 61.1206% | 4,027 |
| Assets per employee ($millions) | 5.0163% | 2,426 |
| Cash dividends to net income (ytd only)* | 81.7002% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,801 |
| Loan loss allowance to noncurrent loans | 233.7900% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 2,642 |
| Noncurrent loans to loans | 0.5221% | 3,135 |
| Net loans and leases to total assets | 75.0829% | 1,753 |
| Net loans and leases to deposits | 86.4873% | 2,240 |
| Net loans and leases to core deposits | 100.6731% | 1,649 |
| Total domestic deposits to total assets | 86.8138% | 1,950 |
| Equity capital to assets | 12.2474% | 1,809 |
| Core capital (leverage) ratio | 12.3595% | 1,480 |
| Tier 1 risk-based capital ratio | 14.3247% | 3,283 |
| Total risk-based capital ratio | 15.4092% | 3,273 |
| Memoranda: | ||
| Average total assets | $55,039,250 | 5,119 |
| Average earning assets | $52,400,750 | 5,080 |
| Average equity | $6,534,750 | 5,071 |
| Average total loans | $41,302,500 | 4,732 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 793 |
| Cost of funding earning assets | 0.5778% | 1,593 |
| Net interest margin | 4.2590% | 955 |
| Noninterest income to average assets | 0.1746% | 5,179 |
| Noninterest expense to average assets | 2.5822% | 3,488 |
| Loan and lease loss provision to assets | 0.3019% | 506 |
| Net operating income to assets | 1.3384% | 1,200 |
| Return on assets (ROA) | 1.2947% | 1,335 |
| Pretax return on assets | 1.2947% | 2,405 |
| Return on Equity (ROE) | 11.0211% | 1,638 |
| Retained earnings to average equity (ytd only) | -2.6624% | 5,395 |
| Net charge-offs to loans | 0.1022% | 1,598 |
| Credit loss provision to net charge-offs | 395.2381% | 791 |
| Earnings coverage of net charge-offs (x) | 21.4762% | 1,748 |
| Efficiency ratio | 61.1542% | 4,143 |
| Assets per employee ($millions) | 4.8975% | 2,512 |
| Cash dividends to net income (ytd only)* | 124.1573% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 1,131 |
| Loan loss allowance to noncurrent loans | 151.2249% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 2,059 |
| Noncurrent loans to loans | 1.0972% | 1,784 |
| Net loans and leases to total assets | 74.6979% | 1,751 |
| Net loans and leases to deposits | 85.4250% | 2,294 |
| Net loans and leases to core deposits | 99.9975% | 1,648 |
| Total domestic deposits to total assets | 87.4427% | 1,749 |
| Equity capital to assets | 12.2826% | 1,743 |
| Core capital (leverage) ratio | 11.7853% | 1,780 |
| Tier 1 risk-based capital ratio | 13.9839% | 3,432 |
| Total risk-based capital ratio | 15.2358% | 3,350 |
| Memoranda: | ||
| Average total assets | $54,992,670 | 5,155 |
| Average earning assets | $52,265,330 | 5,120 |
| Average equity | $6,460,330 | 5,113 |
| Average total loans | $41,089,330 | 4,772 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 853 |
| Cost of funding earning assets | 0.5639% | 1,627 |
| Net interest margin | 4.1834% | 1,024 |
| Noninterest income to average assets | 0.1728% | 5,245 |
| Noninterest expense to average assets | 2.5129% | 3,768 |
| Loan and lease loss provision to assets | 0.5400% | 185 |
| Net operating income to assets | 1.0729% | 1,967 |
| Return on assets (ROA) | 1.1017% | 1,903 |
| Pretax return on assets | 1.1017% | 2,972 |
| Return on Equity (ROE) | 9.5895% | 2,149 |
| Retained earnings to average equity (ytd only) | -18.1134% | 5,704 |
| Net charge-offs to loans | 0.0874% | 1,469 |
| Credit loss provision to net charge-offs | 833.3333% | 374 |
| Earnings coverage of net charge-offs (x) | 24.8889% | 1,342 |
| Efficiency ratio | 60.9075% | 4,334 |
| Assets per employee ($millions) | 5.5137% | 1,874 |
| Cash dividends to net income (ytd only)* | 288.8889% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,170 |
| Loan loss allowance to noncurrent loans | 92.4222% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.4854% | 1,088 |
| Noncurrent loans to loans | 1.8249% | 1,022 |
| Net loans and leases to total assets | 72.2074% | 2,046 |
| Net loans and leases to deposits | 81.5840% | 2,558 |
| Net loans and leases to core deposits | 94.9285% | 1,900 |
| Total domestic deposits to total assets | 88.5068% | 1,418 |
| Equity capital to assets | 11.3191% | 2,333 |
| Core capital (leverage) ratio | 11.3687% | 2,045 |
| Tier 1 risk-based capital ratio | 13.4836% | 3,788 |
| Total risk-based capital ratio | 14.7356% | 3,698 |
| Memoranda: | ||
| Average total assets | $55,552,500 | 5,201 |
| Average earning assets | $52,493,000 | 5,167 |
| Average equity | $6,382,000 | 5,178 |
| Average total loans | $41,173,500 | 4,808 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8203% | 855 |
| Cost of funding earning assets | 0.5491% | 1,698 |
| Net interest margin | 4.2711% | 981 |
| Noninterest income to average assets | 0.1712% | 5,363 |
| Noninterest expense to average assets | 2.5211% | 3,951 |
| Loan and lease loss provision to assets | 0.1366% | 1,828 |
| Net operating income to assets | 1.5939% | 689 |
| Return on assets (ROA) | 1.6704% | 610 |
| Pretax return on assets | 1.6704% | 1,081 |
| Return on Equity (ROE) | 14.2635% | 734 |
| Retained earnings to average equity (ytd only) | 4.4641% | 2,736 |
| Net charge-offs to loans | 0.3811% | 706 |
| Credit loss provision to net charge-offs | 49.0196% | 3,393 |
| Earnings coverage of net charge-offs (x) | 6.2092% | 3,215 |
| Efficiency ratio | 59.2973% | 4,691 |
| Assets per employee ($millions) | 5.5968% | 1,786 |
| Cash dividends to net income (ytd only)* | 68.7023% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,784 |
| Loan loss allowance to noncurrent loans | 90.3367% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 1,356 |
| Noncurrent loans to loans | 1.6320% | 1,196 |
| Net loans and leases to total assets | 73.6742% | 1,903 |
| Net loans and leases to deposits | 83.5644% | 2,470 |
| Net loans and leases to core deposits | 100.9994% | 1,535 |
| Total domestic deposits to total assets | 88.1647% | 1,552 |
| Equity capital to assets | 11.6549% | 2,038 |
| Core capital (leverage) ratio | 11.8801% | 1,679 |
| Tier 1 risk-based capital ratio | 13.6487% | 3,674 |
| Total risk-based capital ratio | 14.8981% | 3,582 |
| Memoranda: | ||
| Average total assets | $54,897,400 | 5,245 |
| Average earning assets | $52,445,000 | 5,198 |
| Average equity | $6,429,000 | 5,203 |
| Average total loans | $40,146,800 | 4,880 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 828 |
| Cost of funding earning assets | 0.5647% | 1,579 |
| Net interest margin | 4.2757% | 970 |
| Noninterest income to average assets | 0.2294% | 5,097 |
| Noninterest expense to average assets | 2.6774% | 3,406 |
| Loan and lease loss provision to assets | 0.1098% | 2,096 |
| Net operating income to assets | 1.5449% | 806 |
| Return on assets (ROA) | 1.7206% | 605 |
| Pretax return on assets | 1.7206% | 1,059 |
| Return on Equity (ROE) | 14.6746% | 709 |
| Retained earnings to average equity (ytd only) | 1.5612% | 4,886 |
| Net charge-offs to loans | 0.1678% | 1,365 |
| Credit loss provision to net charge-offs | 90.0000% | 2,525 |
| Earnings coverage of net charge-offs (x) | 13.5590% | 2,303 |
| Efficiency ratio | 61.8028% | 4,264 |
| Assets per employee ($millions) | 5.5698% | 1,783 |
| Cash dividends to net income (ytd only)* | 89.3615% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 1,366 |
| Loan loss allowance to noncurrent loans | 88.6889% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5189% | 1,173 |
| Noncurrent loans to loans | 1.8442% | 1,104 |
| Net loans and leases to total assets | 74.5036% | 1,789 |
| Net loans and leases to deposits | 84.8852% | 2,384 |
| Net loans and leases to core deposits | 104.7322% | 1,289 |
| Total domestic deposits to total assets | 87.7698% | 1,517 |
| Equity capital to assets | 11.8550% | 2,213 |
| Core capital (leverage) ratio | 11.4721% | 2,054 |
| Tier 1 risk-based capital ratio | 13.3867% | 3,928 |
| Total risk-based capital ratio | 14.6399% | 3,838 |
| Memoranda: | ||
| Average total assets | $54,629,750 | 5,301 |
| Average earning assets | $52,418,750 | 5,243 |
| Average equity | $6,405,500 | 5,263 |
| Average total loans | $39,720,750 | 4,936 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,101 |
| Cost of funding earning assets | 0.5174% | 1,956 |
| Net interest margin | 4.1584% | 1,205 |
| Noninterest income to average assets | 0.2432% | 5,026 |
| Noninterest expense to average assets | 2.6532% | 3,541 |
| Loan and lease loss provision to assets | 0.0553% | 3,041 |
| Net operating income to assets | 1.5330% | 842 |
| Return on assets (ROA) | 1.7025% | 608 |
| Pretax return on assets | 1.7025% | 1,083 |
| Return on Equity (ROE) | 14.5749% | 735 |
| Retained earnings to average equity (ytd only) | -5.3000% | 5,756 |
| Net charge-offs to loans | 0.0514% | 2,466 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 43.1000% | 1,103 |
| Efficiency ratio | 62.5543% | 4,261 |
| Assets per employee ($millions) | 5.5509% | 1,742 |
| Cash dividends to net income (ytd only)* | 136.3636% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 1,265 |
| Loan loss allowance to noncurrent loans | 169.0821% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 2,675 |
| Noncurrent loans to loans | 1.0084% | 2,271 |
| Net loans and leases to total assets | 72.7017% | 2,056 |
| Net loans and leases to deposits | 84.0277% | 2,464 |
| Net loans and leases to core deposits | 103.3047% | 1,377 |
| Total domestic deposits to total assets | 86.5211% | 2,160 |
| Equity capital to assets | 11.6558% | 2,398 |
| Core capital (leverage) ratio | 11.3581% | 2,091 |
| Tier 1 risk-based capital ratio | 13.2157% | 4,068 |
| Total risk-based capital ratio | 14.4694% | 3,981 |
| Memoranda: | ||
| Average total assets | $54,273,670 | 5,367 |
| Average earning assets | $52,183,000 | 5,310 |
| Average equity | $6,339,670 | 5,323 |
| Average total loans | $38,898,670 | 5,009 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 965 |
| Cost of funding earning assets | 0.5678% | 1,559 |
| Net interest margin | 4.1766% | 1,151 |
| Noninterest income to average assets | 0.3131% | 4,493 |
| Noninterest expense to average assets | 2.5347% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7817% | 484 |
| Return on assets (ROA) | 1.8190% | 486 |
| Pretax return on assets | 1.8190% | 821 |
| Return on Equity (ROE) | 15.5550% | 594 |
| Retained earnings to average equity (ytd only) | -24.6075% | 5,998 |
| Net charge-offs to loans | -0.0529% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7219% | 4,913 |
| Assets per employee ($millions) | 5.4024% | 1,924 |
| Cash dividends to net income (ytd only)* | 258.1967% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 1,020 |
| Loan loss allowance to noncurrent loans | 281.1245% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 3,746 |
| Noncurrent loans to loans | 0.6637% | 3,183 |
| Net loans and leases to total assets | 68.1493% | 2,629 |
| Net loans and leases to deposits | 76.9972% | 3,110 |
| Net loans and leases to core deposits | 93.1557% | 2,075 |
| Total domestic deposits to total assets | 88.5088% | 1,352 |
| Equity capital to assets | 11.3079% | 2,616 |
| Core capital (leverage) ratio | 11.1363% | 2,274 |
| Tier 1 risk-based capital ratio | 13.6856% | 3,879 |
| Total risk-based capital ratio | 14.9397% | 3,804 |
| Memoranda: | ||
| Average total assets | $53,656,000 | 5,433 |
| Average earning assets | $51,429,500 | 5,377 |
| Average equity | $6,274,500 | 5,369 |
| Average total loans | $37,820,000 | 5,084 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 824 |
| Cost of funding earning assets | 0.5379% | 1,860 |
| Net interest margin | 4.3329% | 901 |
| Noninterest income to average assets | 0.1820% | 5,500 |
| Noninterest expense to average assets | 2.5083% | 4,202 |
| Loan and lease loss provision to assets | 0.0095% | 4,213 |
| Net operating income to assets | 1.7879% | 494 |
| Return on assets (ROA) | 1.8277% | 474 |
| Pretax return on assets | 1.8277% | 761 |
| Return on Equity (ROE) | 15.9968% | 553 |
| Retained earnings to average equity (ytd only) | 3.7835% | 3,346 |
| Net charge-offs to loans | 0.1637% | 1,730 |
| Credit loss provision to net charge-offs | 8.4746% | 3,834 |
| Earnings coverage of net charge-offs (x) | 16.0678% | 2,161 |
| Efficiency ratio | 58.2563% | 5,113 |
| Assets per employee ($millions) | 4.8444% | 2,540 |
| Cash dividends to net income (ytd only)* | 76.3485% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8230% | 1,094 |
| Loan loss allowance to noncurrent loans | 327.8302% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 4,005 |
| Noncurrent loans to loans | 0.5561% | 3,505 |
| Net loans and leases to total assets | 70.2372% | 2,330 |
| Net loans and leases to deposits | 82.8218% | 2,495 |
| Net loans and leases to core deposits | 101.4391% | 1,406 |
| Total domestic deposits to total assets | 84.8052% | 3,172 |
| Equity capital to assets | 12.0853% | 1,894 |
| Core capital (leverage) ratio | 12.1682% | 1,520 |
| Tier 1 risk-based capital ratio | 14.3465% | 3,525 |
| Total risk-based capital ratio | 15.5996% | 3,436 |
| Memoranda: | ||
| Average total assets | $52,744,800 | 5,487 |
| Average earning assets | $50,197,800 | 5,432 |
| Average equity | $6,026,200 | 5,435 |
| Average total loans | $36,049,800 | 5,152 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 775 |
| Cost of funding earning assets | 0.5340% | 1,940 |
| Net interest margin | 4.3603% | 858 |
| Noninterest income to average assets | 0.1774% | 5,592 |
| Noninterest expense to average assets | 2.4938% | 4,215 |
| Loan and lease loss provision to assets | 0.0127% | 4,018 |
| Net operating income to assets | 1.8095% | 509 |
| Return on assets (ROA) | 1.8704% | 469 |
| Pretax return on assets | 1.8704% | 766 |
| Return on Equity (ROE) | 16.6136% | 520 |
| Retained earnings to average equity (ytd only) | 0.0451% | 5,583 |
| Net charge-offs to loans | 0.1651% | 1,499 |
| Credit loss provision to net charge-offs | 11.3636% | 3,440 |
| Earnings coverage of net charge-offs (x) | 16.3395% | 2,121 |
| Efficiency ratio | 57.7804% | 5,149 |
| Assets per employee ($millions) | 4.8933% | 2,427 |
| Cash dividends to net income (ytd only)* | 99.7287% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 1,040 |
| Loan loss allowance to noncurrent loans | 396.6480% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 4,436 |
| Noncurrent loans to loans | 0.4829% | 3,911 |
| Net loans and leases to total assets | 67.5417% | 2,764 |
| Net loans and leases to deposits | 79.0068% | 2,991 |
| Net loans and leases to core deposits | 95.1179% | 1,969 |
| Total domestic deposits to total assets | 85.4884% | 2,789 |
| Equity capital to assets | 11.3235% | 2,676 |
| Core capital (leverage) ratio | 11.6670% | 1,910 |
| Tier 1 risk-based capital ratio | 16.6965% | 2,484 |
| Total risk-based capital ratio | 17.9562% | 2,433 |
| Memoranda: | ||
| Average total assets | $52,609,000 | 5,560 |
| Average earning assets | $49,934,750 | 5,509 |
| Average equity | $5,922,750 | 5,517 |
| Average total loans | $35,531,500 | 5,233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 842 |
| Cost of funding earning assets | 0.5309% | 1,974 |
| Net interest margin | 4.2992% | 922 |
| Noninterest income to average assets | 0.1532% | 5,794 |
| Noninterest expense to average assets | 2.5362% | 4,114 |
| Loan and lease loss provision to assets | 0.0192% | 3,747 |
| Net operating income to assets | 1.6934% | 633 |
| Return on assets (ROA) | 1.7125% | 645 |
| Pretax return on assets | 1.7125% | 1,060 |
| Return on Equity (ROE) | 15.2421% | 707 |
| Retained earnings to average equity (ytd only) | -9.8545% | 6,177 |
| Net charge-offs to loans | 0.1885% | 1,328 |
| Credit loss provision to net charge-offs | 15.1515% | 3,062 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 2,122 |
| Efficiency ratio | 59.6934% | 5,023 |
| Assets per employee ($millions) | 4.7455% | 2,612 |
| Cash dividends to net income (ytd only)* | 164.6532% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,003 |
| Loan loss allowance to noncurrent loans | 445.0617% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 4,638 |
| Noncurrent loans to loans | 0.4471% | 4,132 |
| Net loans and leases to total assets | 68.0274% | 2,639 |
| Net loans and leases to deposits | 77.3964% | 3,105 |
| Net loans and leases to core deposits | 93.2341% | 2,037 |
| Total domestic deposits to total assets | 87.8949% | 1,702 |
| Equity capital to assets | 10.9251% | 2,966 |
| Core capital (leverage) ratio | 10.9657% | 2,460 |
| Tier 1 risk-based capital ratio | 16.7923% | 2,490 |
| Total risk-based capital ratio | 18.0534% | 2,440 |
| Memoranda: | ||
| Average total assets | $52,203,330 | 5,634 |
| Average earning assets | $49,729,670 | 5,570 |
| Average equity | $5,865,330 | 5,582 |
| Average total loans | $35,020,330 | 5,294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 855 |
| Cost of funding earning assets | 0.5484% | 1,863 |
| Net interest margin | 4.2578% | 963 |
| Noninterest income to average assets | 0.0460% | 6,241 |
| Noninterest expense to average assets | 2.5515% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5401% | 787 |
| Return on assets (ROA) | 1.5018% | 896 |
| Pretax return on assets | 1.5018% | 1,565 |
| Return on Equity (ROE) | 13.1842% | 1,037 |
| Retained earnings to average equity (ytd only) | -36.3239% | 6,363 |
| Net charge-offs to loans | 0.2092% | 1,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 1,883 |
| Efficiency ratio | 62.3596% | 4,742 |
| Assets per employee ($millions) | 4.7944% | 2,634 |
| Cash dividends to net income (ytd only)* | 375.5102% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 861 |
| Loan loss allowance to noncurrent loans | 173.6342% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 3,117 |
| Noncurrent loans to loans | 1.2349% | 2,314 |
| Net loans and leases to total assets | 63.2580% | 3,199 |
| Net loans and leases to deposits | 71.0882% | 3,632 |
| Net loans and leases to core deposits | 85.2459% | 2,625 |
| Total domestic deposits to total assets | 88.9852% | 1,281 |
| Equity capital to assets | 10.7475% | 3,267 |
| Core capital (leverage) ratio | 10.4978% | 2,967 |
| Tier 1 risk-based capital ratio | 16.6944% | 2,596 |
| Total risk-based capital ratio | 17.9564% | 2,543 |
| Memoranda: | ||
| Average total assets | $52,204,500 | 5,682 |
| Average earning assets | $49,603,000 | 5,621 |
| Average equity | $5,946,500 | 5,612 |
| Average total loans | $34,414,500 | 5,353 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 737 |
| Cost of funding earning assets | 0.6597% | 1,342 |
| Net interest margin | 4.3630% | 942 |
| Noninterest income to average assets | 0.3228% | 4,809 |
| Noninterest expense to average assets | 2.5093% | 4,515 |
| Loan and lease loss provision to assets | 0.0093% | 4,441 |
| Net operating income to assets | 1.9253% | 378 |
| Return on assets (ROA) | 1.9365% | 380 |
| Pretax return on assets | 1.9365% | 583 |
| Return on Equity (ROE) | 18.5165% | 357 |
| Retained earnings to average equity (ytd only) | 6.3684% | 1,725 |
| Net charge-offs to loans | -0.3691% | 6,359 |
| Credit loss provision to net charge-offs | -3.9370% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4652% | 5,623 |
| Assets per employee ($millions) | 4.6974% | 2,728 |
| Cash dividends to net income (ytd only)* | 65.6069% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1562% | 876 |
| Loan loss allowance to noncurrent loans | 576.1538% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 5,017 |
| Noncurrent loans to loans | 0.3742% | 4,521 |
| Net loans and leases to total assets | 65.7777% | 2,928 |
| Net loans and leases to deposits | 75.1299% | 3,295 |
| Net loans and leases to core deposits | 90.3672% | 2,239 |
| Total domestic deposits to total assets | 87.5520% | 2,005 |
| Equity capital to assets | 12.0474% | 1,985 |
| Core capital (leverage) ratio | 11.3776% | 2,070 |
| Tier 1 risk-based capital ratio | 17.9724% | 2,148 |
| Total risk-based capital ratio | 19.2353% | 2,107 |
| Memoranda: | ||
| Average total assets | $53,601,000 | 5,705 |
| Average earning assets | $50,630,000 | 5,656 |
| Average equity | $5,605,800 | 5,714 |
| Average total loans | $34,404,000 | 5,383 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 802 |
| Cost of funding earning assets | 0.6714% | 1,309 |
| Net interest margin | 4.3054% | 1,042 |
| Noninterest income to average assets | 0.2120% | 5,660 |
| Noninterest expense to average assets | 2.3026% | 5,095 |
| Loan and lease loss provision to assets | 0.0123% | 4,170 |
| Net operating income to assets | 1.9599% | 372 |
| Return on assets (ROA) | 1.9648% | 378 |
| Pretax return on assets | 1.9648% | 617 |
| Return on Equity (ROE) | 19.4944% | 313 |
| Retained earnings to average equity (ytd only) | 2.8373% | 4,581 |
| Net charge-offs to loans | -0.5594% | 6,471 |
| Credit loss provision to net charge-offs | -3.4722% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8639% | 5,836 |
| Assets per employee ($millions) | 4.9339% | 2,326 |
| Cash dividends to net income (ytd only)* | 85.4457% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 1,000 |
| Loan loss allowance to noncurrent loans | 284.7584% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 4,404 |
| Noncurrent loans to loans | 0.7596% | 3,701 |
| Net loans and leases to total assets | 63.8365% | 3,201 |
| Net loans and leases to deposits | 72.0321% | 3,681 |
| Net loans and leases to core deposits | 86.0343% | 2,664 |
| Total domestic deposits to total assets | 88.6223% | 1,437 |
| Equity capital to assets | 10.9115% | 3,058 |
| Core capital (leverage) ratio | 10.8326% | 2,661 |
| Tier 1 risk-based capital ratio | 16.5927% | 2,774 |
| Total risk-based capital ratio | 17.8539% | 2,726 |
| Memoranda: | ||
| Average total assets | $54,083,500 | 5,756 |
| Average earning assets | $51,035,000 | 5,704 |
| Average equity | $5,451,000 | 5,812 |
| Average total loans | $34,320,750 | 5,439 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 901 |
| Cost of funding earning assets | 0.6936% | 1,222 |
| Net interest margin | 4.2124% | 1,210 |
| Noninterest income to average assets | 0.3147% | 4,897 |
| Noninterest expense to average assets | 2.3362% | 5,068 |
| Loan and lease loss provision to assets | 0.0185% | 3,898 |
| Net operating income to assets | 1.9400% | 381 |
| Return on assets (ROA) | 1.9326% | 405 |
| Pretax return on assets | 1.9326% | 641 |
| Return on Equity (ROE) | 19.7204% | 304 |
| Retained earnings to average equity (ytd only) | -6.0068% | 6,296 |
| Net charge-offs to loans | -0.9011% | 6,567 |
| Credit loss provision to net charge-offs | -3.2680% | 5,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3966% | 5,876 |
| Assets per employee ($millions) | 4.9933% | 2,226 |
| Cash dividends to net income (ytd only)* | 130.4598% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2490% | 956 |
| Loan loss allowance to noncurrent loans | 321.5768% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 3,894 |
| Noncurrent loans to loans | 0.6994% | 3,958 |
| Net loans and leases to total assets | 61.3261% | 3,518 |
| Net loans and leases to deposits | 68.4342% | 4,003 |
| Net loans and leases to core deposits | 82.4598% | 2,918 |
| Total domestic deposits to total assets | 89.6133% | 1,010 |
| Equity capital to assets | 10.0244% | 4,071 |
| Core capital (leverage) ratio | 10.2376% | 3,282 |
| Tier 1 risk-based capital ratio | 16.4188% | 2,869 |
| Total risk-based capital ratio | 17.6814% | 2,820 |
| Memoranda: | ||
| Average total assets | $54,020,330 | 5,809 |
| Average earning assets | $51,040,000 | 5,753 |
| Average equity | $5,294,000 | 5,888 |
| Average total loans | $33,957,000 | 5,493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 948 |
| Cost of funding earning assets | 0.7581% | 937 |
| Net interest margin | 4.0907% | 1,483 |
| Noninterest income to average assets | 0.2315% | 5,500 |
| Noninterest expense to average assets | 2.3372% | 5,102 |
| Loan and lease loss provision to assets | 0.0373% | 3,312 |
| Net operating income to assets | 1.7249% | 548 |
| Return on assets (ROA) | 1.6951% | 599 |
| Pretax return on assets | 1.6951% | 986 |
| Return on Equity (ROE) | 17.5019% | 485 |
| Retained earnings to average equity (ytd only) | -35.0039% | 6,637 |
| Net charge-offs to loans | -0.3204% | 6,491 |
| Credit loss provision to net charge-offs | -18.5185% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0128% | 5,755 |
| Assets per employee ($millions) | 4.8576% | 2,436 |
| Cash dividends to net income (ytd only)* | 300.0000% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9533% | 1,614 |
| Loan loss allowance to noncurrent loans | 104.6774% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 2,804 |
| Noncurrent loans to loans | 1.8660% | 2,045 |
| Net loans and leases to total assets | 60.9668% | 3,405 |
| Net loans and leases to deposits | 67.6096% | 3,900 |
| Net loans and leases to core deposits | 81.8271% | 2,756 |
| Total domestic deposits to total assets | 90.1748% | 982 |
| Equity capital to assets | 9.5482% | 4,432 |
| Core capital (leverage) ratio | 9.8272% | 3,824 |
| Tier 1 risk-based capital ratio | 16.5155% | 2,891 |
| Total risk-based capital ratio | 17.7752% | 2,855 |
| Memoranda: | ||
| Average total assets | $53,567,500 | 5,873 |
| Average earning assets | $50,652,000 | 5,822 |
| Average equity | $5,188,000 | 5,950 |
| Average total loans | $33,706,000 | 5,561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 1,024 |
| Cost of funding earning assets | 0.8159% | 1,115 |
| Net interest margin | 4.1216% | 1,585 |
| Noninterest income to average assets | 0.3316% | 4,963 |
| Noninterest expense to average assets | 2.5084% | 4,740 |
| Loan and lease loss provision to assets | 0.0458% | 4,201 |
| Net operating income to assets | 1.7114% | 571 |
| Return on assets (ROA) | 1.7792% | 517 |
| Pretax return on assets | 1.7792% | 793 |
| Return on Equity (ROE) | 18.6824% | 360 |
| Retained earnings to average equity (ytd only) | 10.9863% | 419 |
| Net charge-offs to loans | 0.0946% | 3,899 |
| Credit loss provision to net charge-offs | 75.7576% | 3,149 |
| Earnings coverage of net charge-offs (x) | 29.0606% | 1,215 |
| Efficiency ratio | 58.8058% | 5,634 |
| Assets per employee ($millions) | 4.8819% | 2,331 |
| Cash dividends to net income (ytd only)* | 41.1946% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,056 |
| Loan loss allowance to noncurrent loans | 130.9979% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 3,541 |
| Noncurrent loans to loans | 1.3778% | 2,834 |
| Net loans and leases to total assets | 62.5109% | 3,298 |
| Net loans and leases to deposits | 69.5759% | 3,835 |
| Net loans and leases to core deposits | 88.6193% | 2,176 |
| Total domestic deposits to total assets | 89.8456% | 1,156 |
| Equity capital to assets | 9.8210% | 4,000 |
| Core capital (leverage) ratio | 10.7623% | 2,611 |
| Tier 1 risk-based capital ratio | 17.2409% | 2,513 |
| Total risk-based capital ratio | 18.4975% | 2,484 |
| Memoranda: | ||
| Average total assets | $54,576,600 | 5,902 |
| Average earning assets | $52,092,000 | 5,833 |
| Average equity | $5,197,400 | 6,024 |
| Average total loans | $34,900,600 | 5,542 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 1,191 |
| Cost of funding earning assets | 0.8266% | 1,179 |
| Net interest margin | 4.0438% | 1,808 |
| Noninterest income to average assets | 0.2798% | 5,445 |
| Noninterest expense to average assets | 2.3724% | 5,110 |
| Loan and lease loss provision to assets | 0.0365% | 4,287 |
| Net operating income to assets | 1.7398% | 595 |
| Return on assets (ROA) | 1.8225% | 518 |
| Pretax return on assets | 1.8225% | 855 |
| Return on Equity (ROE) | 19.2853% | 351 |
| Retained earnings to average equity (ytd only) | 8.9860% | 1,062 |
| Net charge-offs to loans | 0.0912% | 3,655 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 30.4159% | 1,229 |
| Efficiency ratio | 57.1848% | 5,779 |
| Assets per employee ($millions) | 4.8991% | 2,309 |
| Cash dividends to net income (ytd only)* | 53.4046% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,233 |
| Loan loss allowance to noncurrent loans | 104.9404% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 3,108 |
| Noncurrent loans to loans | 1.7359% | 2,589 |
| Net loans and leases to total assets | 61.6070% | 3,439 |
| Net loans and leases to deposits | 70.4524% | 3,719 |
| Net loans and leases to core deposits | 86.3324% | 2,375 |
| Total domestic deposits to total assets | 87.4448% | 2,443 |
| Equity capital to assets | 9.4582% | 4,602 |
| Core capital (leverage) ratio | 10.1708% | 3,439 |
| Tier 1 risk-based capital ratio | 16.3775% | 2,999 |
| Total risk-based capital ratio | 17.6332% | 2,961 |
| Memoranda: | ||
| Average total assets | $54,795,500 | 5,968 |
| Average earning assets | $52,424,250 | 5,890 |
| Average equity | $5,178,250 | 6,095 |
| Average total loans | $35,079,250 | 5,584 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,311 |
| Cost of funding earning assets | 0.8357% | 1,228 |
| Net interest margin | 3.9744% | 1,950 |
| Noninterest income to average assets | 0.2287% | 5,810 |
| Noninterest expense to average assets | 2.3522% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6916% | 631 |
| Return on assets (ROA) | 1.8113% | 545 |
| Pretax return on assets | 1.8113% | 905 |
| Return on Equity (ROE) | 19.1727% | 370 |
| Retained earnings to average equity (ytd only) | 3.8038% | 3,880 |
| Net charge-offs to loans | 0.0676% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 950 |
| Efficiency ratio | 58.1688% | 5,713 |
| Assets per employee ($millions) | 5.0205% | 2,092 |
| Cash dividends to net income (ytd only)* | 80.1603% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,559 |
| Loan loss allowance to noncurrent loans | 78.7918% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6731% | 2,600 |
| Noncurrent loans to loans | 2.2358% | 2,130 |
| Net loans and leases to total assets | 61.9002% | 3,306 |
| Net loans and leases to deposits | 69.9939% | 3,711 |
| Net loans and leases to core deposits | 85.0881% | 2,427 |
| Total domestic deposits to total assets | 88.4366% | 1,958 |
| Equity capital to assets | 8.9487% | 5,266 |
| Core capital (leverage) ratio | 9.5994% | 4,081 |
| Tier 1 risk-based capital ratio | 15.3414% | 3,572 |
| Total risk-based capital ratio | 16.5614% | 3,544 |
| Memoranda: | ||
| Average total assets | $55,097,330 | 5,998 |
| Average earning assets | $52,889,000 | 5,903 |
| Average equity | $5,205,330 | 6,128 |
| Average total loans | $35,500,330 | 5,599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 937 |
| Cost of funding earning assets | 0.8674% | 1,164 |
| Net interest margin | 4.1086% | 1,431 |
| Noninterest income to average assets | 0.1526% | 6,341 |
| Noninterest expense to average assets | 2.4058% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6717% | 625 |
| Return on assets (ROA) | 1.8244% | 510 |
| Pretax return on assets | 1.8244% | 843 |
| Return on Equity (ROE) | 18.8121% | 372 |
| Retained earnings to average equity (ytd only) | -11.1673% | 6,658 |
| Net charge-offs to loans | 0.3012% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.5185% | 1,937 |
| Efficiency ratio | 59.0018% | 5,719 |
| Assets per employee ($millions) | 5.0880% | 2,111 |
| Cash dividends to net income (ytd only)* | 159.3625% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 2,993 |
| Loan loss allowance to noncurrent loans | 70.1878% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 2,847 |
| Noncurrent loans to loans | 2.4271% | 2,130 |
| Net loans and leases to total assets | 61.6513% | 3,135 |
| Net loans and leases to deposits | 68.1190% | 3,762 |
| Net loans and leases to core deposits | 81.0167% | 2,692 |
| Total domestic deposits to total assets | 90.5053% | 765 |
| Equity capital to assets | 9.2910% | 5,143 |
| Core capital (leverage) ratio | 9.1185% | 4,691 |
| Tier 1 risk-based capital ratio | 13.9832% | 4,516 |
| Total risk-based capital ratio | 15.2130% | 4,495 |
| Memoranda: | ||
| Average total assets | $55,033,000 | 6,046 |
| Average earning assets | $52,573,000 | 5,963 |
| Average equity | $5,337,000 | 6,153 |
| Average total loans | $35,851,500 | 5,626 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 694 |
| Cost of funding earning assets | 1.0763% | 997 |
| Net interest margin | 4.3670% | 1,235 |
| Noninterest income to average assets | 0.2417% | 5,718 |
| Noninterest expense to average assets | 2.7176% | 4,339 |
| Loan and lease loss provision to assets | 0.3967% | 1,644 |
| Net operating income to assets | 1.2896% | 1,336 |
| Return on assets (ROA) | 1.3302% | 1,362 |
| Pretax return on assets | 1.3302% | 2,291 |
| Return on Equity (ROE) | 14.0540% | 977 |
| Retained earnings to average equity (ytd only) | 12.1048% | 314 |
| Net charge-offs to loans | 0.7382% | 1,595 |
| Credit loss provision to net charge-offs | 80.8271% | 3,806 |
| Earnings coverage of net charge-offs (x) | 3.4361% | 3,727 |
| Efficiency ratio | 61.7093% | 5,283 |
| Assets per employee ($millions) | 4.5082% | 2,947 |
| Cash dividends to net income (ytd only)* | 13.8696% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,905 |
| Loan loss allowance to noncurrent loans | 204.2484% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 4,678 |
| Noncurrent loans to loans | 0.8361% | 4,521 |
| Net loans and leases to total assets | 66.4997% | 2,454 |
| Net loans and leases to deposits | 74.2089% | 3,061 |
| Net loans and leases to core deposits | 89.0074% | 1,966 |
| Total domestic deposits to total assets | 89.6114% | 1,183 |
| Equity capital to assets | 10.1187% | 4,013 |
| Core capital (leverage) ratio | 9.4764% | 4,138 |
| Tier 1 risk-based capital ratio | 14.2514% | 4,203 |
| Total risk-based capital ratio | 15.5073% | 4,157 |
| Memoranda: | ||
| Average total assets | $54,202,800 | 6,079 |
| Average earning assets | $51,659,800 | 5,992 |
| Average equity | $5,130,200 | 6,260 |
| Average total loans | $36,033,800 | 5,679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 758 |
| Cost of funding earning assets | 1.1113% | 1,023 |
| Net interest margin | 4.3337% | 1,388 |
| Noninterest income to average assets | 0.2483% | 5,784 |
| Noninterest expense to average assets | 2.6037% | 4,728 |
| Loan and lease loss provision to assets | 0.3319% | 1,974 |
| Net operating income to assets | 1.4260% | 1,169 |
| Return on assets (ROA) | 1.4678% | 1,207 |
| Pretax return on assets | 1.4678% | 2,014 |
| Return on Equity (ROE) | 15.7799% | 774 |
| Retained earnings to average equity (ytd only) | 13.1367% | 382 |
| Net charge-offs to loans | 0.4792% | 2,180 |
| Credit loss provision to net charge-offs | 104.6512% | 2,816 |
| Earnings coverage of net charge-offs (x) | 5.5425% | 2,997 |
| Efficiency ratio | 59.6956% | 5,550 |
| Assets per employee ($millions) | 4.6694% | 2,640 |
| Cash dividends to net income (ytd only)* | 16.7504% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 2,615 |
| Loan loss allowance to noncurrent loans | 195.4155% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 3,298 |
| Noncurrent loans to loans | 0.9513% | 4,532 |
| Net loans and leases to total assets | 64.2550% | 2,989 |
| Net loans and leases to deposits | 72.6664% | 3,503 |
| Net loans and leases to core deposits | 87.5222% | 2,275 |
| Total domestic deposits to total assets | 88.4247% | 1,774 |
| Equity capital to assets | 9.5337% | 5,163 |
| Core capital (leverage) ratio | 9.1011% | 4,913 |
| Tier 1 risk-based capital ratio | 13.6066% | 4,808 |
| Total risk-based capital ratio | 14.8645% | 4,764 |
| Memoranda: | ||
| Average total assets | $54,229,000 | 6,146 |
| Average earning assets | $51,471,750 | 6,070 |
| Average equity | $5,044,250 | 6,347 |
| Average total loans | $35,892,250 | 5,757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5996% | 577 |
| Cost of funding earning assets | 1.1458% | 1,046 |
| Net interest margin | 4.4537% | 1,075 |
| Noninterest income to average assets | 0.3095% | 5,339 |
| Noninterest expense to average assets | 2.7672% | 4,146 |
| Loan and lease loss provision to assets | 0.1305% | 3,897 |
| Net operating income to assets | 1.6447% | 765 |
| Return on assets (ROA) | 1.6670% | 809 |
| Pretax return on assets | 1.6670% | 1,351 |
| Return on Equity (ROE) | 18.0789% | 495 |
| Retained earnings to average equity (ytd only) | 14.0344% | 344 |
| Net charge-offs to loans | 0.2470% | 3,097 |
| Credit loss provision to net charge-offs | 79.5455% | 3,331 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 2,015 |
| Efficiency ratio | 60.9195% | 5,433 |
| Assets per employee ($millions) | 4.6310% | 2,667 |
| Cash dividends to net income (ytd only)* | 22.3714% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,716 |
| Loan loss allowance to noncurrent loans | 313.1455% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 4,257 |
| Noncurrent loans to loans | 0.5897% | 5,332 |
| Net loans and leases to total assets | 63.8019% | 3,080 |
| Net loans and leases to deposits | 70.5662% | 3,812 |
| Net loans and leases to core deposits | 84.8494% | 2,583 |
| Total domestic deposits to total assets | 90.4142% | 710 |
| Equity capital to assets | 9.2601% | 5,380 |
| Core capital (leverage) ratio | 8.9179% | 5,025 |
| Tier 1 risk-based capital ratio | 13.1094% | 5,104 |
| Total risk-based capital ratio | 14.3660% | 5,075 |
| Memoranda: | ||
| Average total assets | $53,627,670 | 6,204 |
| Average earning assets | $50,968,330 | 6,119 |
| Average equity | $4,945,000 | 6,403 |
| Average total loans | $35,627,670 | 5,804 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8010% | 423 |
| Cost of funding earning assets | 1.2149% | 921 |
| Net interest margin | 4.5861% | 846 |
| Noninterest income to average assets | 0.3267% | 5,252 |
| Noninterest expense to average assets | 2.7044% | 4,407 |
| Loan and lease loss provision to assets | 0.1139% | 3,929 |
| Net operating income to assets | 1.8384% | 557 |
| Return on assets (ROA) | 1.8384% | 630 |
| Pretax return on assets | 1.8384% | 1,000 |
| Return on Equity (ROE) | 19.9814% | 391 |
| Retained earnings to average equity (ytd only) | 11.7246% | 871 |
| Net charge-offs to loans | 0.0113% | 4,551 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 138 |
| Efficiency ratio | 58.0750% | 5,902 |
| Assets per employee ($millions) | 4.5925% | 2,822 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9693% | 2,453 |
| Loan loss allowance to noncurrent loans | 273.8095% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 4,096 |
| Noncurrent loans to loans | 0.7192% | 5,223 |
| Net loans and leases to total assets | 62.3244% | 3,188 |
| Net loans and leases to deposits | 68.5583% | 3,962 |
| Net loans and leases to core deposits | 82.3254% | 2,781 |
| Total domestic deposits to total assets | 90.9073% | 599 |
| Equity capital to assets | 8.8478% | 5,697 |
| Core capital (leverage) ratio | 8.9022% | 4,992 |
| Tier 1 risk-based capital ratio | 12.9931% | 5,226 |
| Total risk-based capital ratio | 14.2513% | 5,188 |
| Memoranda: | ||
| Average total assets | $52,655,500 | 6,283 |
| Average earning assets | $49,715,500 | 6,205 |
| Average equity | $4,844,500 | 6,474 |
| Average total loans | $35,380,000 | 5,852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0674% | 385 |
| Cost of funding earning assets | 1.4375% | 892 |
| Net interest margin | 4.6299% | 865 |
| Noninterest income to average assets | 0.2439% | 5,798 |
| Noninterest expense to average assets | 2.8692% | 4,084 |
| Loan and lease loss provision to assets | 0.4099% | 2,542 |
| Net operating income to assets | 1.2796% | 1,296 |
| Return on assets (ROA) | 1.2117% | 1,588 |
| Pretax return on assets | 1.2117% | 2,413 |
| Return on Equity (ROE) | 13.3616% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.3616% | 201 |
| Net charge-offs to loans | 1.1263% | 1,521 |
| Credit loss provision to net charge-offs | 50.8685% | 5,404 |
| Earnings coverage of net charge-offs (x) | 2.0968% | 4,205 |
| Efficiency ratio | 62.9386% | 5,310 |
| Assets per employee ($millions) | 4.1834% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8923% | 2,589 |
| Loan loss allowance to noncurrent loans | 200.5935% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 3,634 |
| Noncurrent loans to loans | 0.9434% | 4,816 |
| Net loans and leases to total assets | 69.8134% | 2,068 |
| Net loans and leases to deposits | 77.4331% | 2,932 |
| Net loans and leases to core deposits | 96.1034% | 1,485 |
| Total domestic deposits to total assets | 90.1596% | 905 |
| Equity capital to assets | 9.5875% | 4,763 |
| Core capital (leverage) ratio | 8.8847% | 4,966 |
| Tier 1 risk-based capital ratio | 12.3597% | 5,573 |
| Total risk-based capital ratio | 13.6167% | 5,537 |
| Memoranda: | ||
| Average total assets | $50,014,000 | 6,366 |
| Average earning assets | $46,609,600 | 6,308 |
| Average equity | $4,535,400 | 6,581 |
| Average total loans | $35,782,200 | 5,880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2346% | 304 |
| Cost of funding earning assets | 1.5017% | 855 |
| Net interest margin | 4.7329% | 707 |
| Noninterest income to average assets | 0.2508% | 5,821 |
| Noninterest expense to average assets | 2.7911% | 4,376 |
| Loan and lease loss provision to assets | 0.3869% | 2,537 |
| Net operating income to assets | 1.4543% | 1,040 |
| Return on assets (ROA) | 1.5610% | 906 |
| Pretax return on assets | 1.5610% | 1,485 |
| Return on Equity (ROE) | 17.4648% | 513 |
| Retained earnings to average equity (ytd only) | 17.4648% | 125 |
| Net charge-offs to loans | 1.2850% | 1,206 |
| Credit loss provision to net charge-offs | 42.0290% | 5,198 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,146 |
| Efficiency ratio | 60.2535% | 5,676 |
| Assets per employee ($millions) | 4.7005% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 2,687 |
| Loan loss allowance to noncurrent loans | 166.4198% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.7561% | 3,462 |
| Noncurrent loans to loans | 1.1283% | 4,659 |
| Net loans and leases to total assets | 68.1211% | 2,460 |
| Net loans and leases to deposits | 76.5879% | 3,228 |
| Net loans and leases to core deposits | 91.8579% | 2,013 |
| Total domestic deposits to total assets | 88.9450% | 1,458 |
| Equity capital to assets | 9.4981% | 5,091 |
| Core capital (leverage) ratio | 8.8898% | 5,122 |
| Tier 1 risk-based capital ratio | 12.5623% | 5,442 |
| Total risk-based capital ratio | 13.8210% | 5,418 |
| Memoranda: | ||
| Average total assets | $49,967,250 | 6,420 |
| Average earning assets | $46,256,750 | 6,374 |
| Average equity | $4,466,000 | 6,656 |
| Average total loans | $35,797,000 | 5,935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1714% | 345 |
| Cost of funding earning assets | 1.5472% | 847 |
| Net interest margin | 4.6242% | 865 |
| Noninterest income to average assets | 0.1863% | 6,329 |
| Noninterest expense to average assets | 2.8104% | 4,387 |
| Loan and lease loss provision to assets | 0.1215% | 4,760 |
| Net operating income to assets | 1.5267% | 840 |
| Return on assets (ROA) | 1.5267% | 896 |
| Pretax return on assets | 1.5267% | 1,449 |
| Return on Equity (ROE) | 17.4631% | 512 |
| Retained earnings to average equity (ytd only) | 17.4631% | 149 |
| Net charge-offs to loans | 0.4865% | 2,642 |
| Credit loss provision to net charge-offs | 34.4828% | 4,918 |
| Earnings coverage of net charge-offs (x) | 4.6782% | 2,804 |
| Efficiency ratio | 63.0336% | 5,404 |
| Assets per employee ($millions) | 4.5925% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 1,725 |
| Loan loss allowance to noncurrent loans | 129.0679% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 2.4289% | 2,728 |
| Noncurrent loans to loans | 1.7889% | 3,772 |
| Net loans and leases to total assets | 68.4284% | 2,529 |
| Net loans and leases to deposits | 75.8619% | 3,505 |
| Net loans and leases to core deposits | 88.8158% | 2,524 |
| Total domestic deposits to total assets | 90.2013% | 865 |
| Equity capital to assets | 9.1237% | 5,391 |
| Core capital (leverage) ratio | 8.5747% | 5,438 |
| Tier 1 risk-based capital ratio | 12.2419% | 5,573 |
| Total risk-based capital ratio | 13.5049% | 5,548 |
| Memoranda: | ||
| Average total assets | $49,388,000 | 6,501 |
| Average earning assets | $45,630,000 | 6,452 |
| Average equity | $4,317,670 | 6,741 |
| Average total loans | $35,764,000 | 5,979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2924% | 287 |
| Cost of funding earning assets | 1.6045% | 802 |
| Net interest margin | 4.6879% | 729 |
| Noninterest income to average assets | 0.1802% | 6,431 |
| Noninterest expense to average assets | 2.8265% | 4,347 |
| Loan and lease loss provision to assets | 0.0410% | 5,478 |
| Net operating income to assets | 1.5976% | 696 |
| Return on assets (ROA) | 1.5976% | 742 |
| Pretax return on assets | 1.5976% | 1,198 |
| Return on Equity (ROE) | 18.6961% | 423 |
| Retained earnings to average equity (ytd only) | 18.6961% | 213 |
| Net charge-offs to loans | 0.0890% | 4,059 |
| Credit loss provision to net charge-offs | 62.5000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 973 |
| Efficiency ratio | 63.3028% | 5,472 |
| Assets per employee ($millions) | 4.0889% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,509 |
| Loan loss allowance to noncurrent loans | 125.6854% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 3,030 |
| Noncurrent loans to loans | 1.9610% | 3,624 |
| Net loans and leases to total assets | 70.2488% | 2,082 |
| Net loans and leases to deposits | 77.2640% | 3,199 |
| Net loans and leases to core deposits | 89.0212% | 2,481 |
| Total domestic deposits to total assets | 90.9206% | 668 |
| Equity capital to assets | 8.8022% | 5,493 |
| Core capital (leverage) ratio | 8.4365% | 5,566 |
| Tier 1 risk-based capital ratio | 11.9783% | 5,709 |
| Total risk-based capital ratio | 13.2451% | 5,685 |
| Memoranda: | ||
| Average total assets | $48,823,500 | 6,561 |
| Average earning assets | $44,625,500 | 6,539 |
| Average equity | $4,172,000 | 6,819 |
| Average total loans | $35,953,500 | 6,028 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5780% | 287 |
| Cost of funding earning assets | 1.8968% | 853 |
| Net interest margin | 4.6812% | 850 |
| Noninterest income to average assets | 0.1410% | 6,684 |
| Noninterest expense to average assets | 2.8094% | 4,565 |
| Loan and lease loss provision to assets | 0.8418% | 1,949 |
| Net operating income to assets | 0.7376% | 3,062 |
| Return on assets (ROA) | 0.7376% | 3,188 |
| Pretax return on assets | 0.7458% | 3,813 |
| Return on Equity (ROE) | 9.2812% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.2812% | 644 |
| Net charge-offs to loans | 1.7783% | 1,191 |
| Credit loss provision to net charge-offs | 63.3846% | 6,020 |
| Earnings coverage of net charge-offs (x) | 1.1954% | 4,916 |
| Efficiency ratio | 63.8941% | 5,371 |
| Assets per employee ($millions) | 4.0483% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 1,556 |
| Loan loss allowance to noncurrent loans | 152.0000% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 2.0482% | 3,286 |
| Noncurrent loans to loans | 1.5725% | 4,145 |
| Net loans and leases to total assets | 73.4726% | 1,774 |
| Net loans and leases to deposits | 80.3661% | 3,101 |
| Net loans and leases to core deposits | 95.0343% | 2,126 |
| Total domestic deposits to total assets | 91.4224% | 420 |
| Equity capital to assets | 8.2853% | 6,163 |
| Core capital (leverage) ratio | 8.0468% | 6,123 |
| Tier 1 risk-based capital ratio | 11.3247% | 6,067 |
| Total risk-based capital ratio | 12.5837% | 6,053 |
| Memoranda: | ||
| Average total assets | $48,942,800 | 6,577 |
| Average earning assets | $44,497,000 | 6,562 |
| Average equity | $3,889,600 | 7,033 |
| Average total loans | $36,552,600 | 6,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6563% | 258 |
| Cost of funding earning assets | 1.9584% | 858 |
| Net interest margin | 4.6978% | 847 |
| Noninterest income to average assets | 0.2012% | 6,457 |
| Noninterest expense to average assets | 2.7137% | 4,822 |
| Loan and lease loss provision to assets | 0.7342% | 2,084 |
| Net operating income to assets | 1.0061% | 2,212 |
| Return on assets (ROA) | 1.0061% | 2,331 |
| Pretax return on assets | 1.0061% | 3,157 |
| Return on Equity (ROE) | 12.7944% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.7944% | 372 |
| Net charge-offs to loans | 1.5978% | 1,233 |
| Credit loss provision to net charge-offs | 61.6438% | 5,647 |
| Earnings coverage of net charge-offs (x) | 1.4612% | 4,632 |
| Efficiency ratio | 60.9280% | 5,809 |
| Assets per employee ($millions) | 4.3985% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5158% | 1,298 |
| Loan loss allowance to noncurrent loans | 103.1694% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 3.0920% | 2,343 |
| Noncurrent loans to loans | 2.4385% | 3,190 |
| Net loans and leases to total assets | 75.6030% | 1,478 |
| Net loans and leases to deposits | 83.2135% | 2,865 |
| Net loans and leases to core deposits | 99.9372% | 1,856 |
| Total domestic deposits to total assets | 90.8542% | 497 |
| Equity capital to assets | 8.6642% | 6,082 |
| Core capital (leverage) ratio | 7.9809% | 6,374 |
| Tier 1 risk-based capital ratio | 11.1226% | 6,258 |
| Total risk-based capital ratio | 12.3858% | 6,243 |
| Memoranda: | ||
| Average total assets | $49,033,500 | 6,657 |
| Average earning assets | $44,388,000 | 6,640 |
| Average equity | $3,855,750 | 7,131 |
| Average total loans | $36,549,000 | 6,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7020% | 243 |
| Cost of funding earning assets | 1.9846% | 943 |
| Net interest margin | 4.7174% | 793 |
| Noninterest income to average assets | 0.3614% | 5,258 |
| Noninterest expense to average assets | 2.7208% | 4,831 |
| Loan and lease loss provision to assets | 0.8731% | 1,668 |
| Net operating income to assets | 1.0436% | 2,036 |
| Return on assets (ROA) | 1.0436% | 2,108 |
| Pretax return on assets | 1.0436% | 2,961 |
| Return on Equity (ROE) | 13.7298% | 1,091 |
| Retained earnings to average equity (ytd only) | 13.7298% | 322 |
| Net charge-offs to loans | 1.9103% | 971 |
| Credit loss provision to net charge-offs | 62.1387% | 5,162 |
| Earnings coverage of net charge-offs (x) | 1.3642% | 4,463 |
| Efficiency ratio | 58.6690% | 6,281 |
| Assets per employee ($millions) | 4.2685% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7087% | 1,084 |
| Loan loss allowance to noncurrent loans | 182.3420% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 2.3603% | 3,065 |
| Noncurrent loans to loans | 1.4855% | 4,477 |
| Net loans and leases to total assets | 68.7888% | 3,174 |
| Net loans and leases to deposits | 76.6095% | 4,218 |
| Net loans and leases to core deposits | 95.4490% | 2,514 |
| Total domestic deposits to total assets | 89.7915% | 1,028 |
| Equity capital to assets | 7.7369% | 6,974 |
| Core capital (leverage) ratio | 7.6556% | 6,668 |
| Tier 1 risk-based capital ratio | 10.9978% | 6,233 |
| Total risk-based capital ratio | 12.2677% | 6,206 |
| Memoranda: | ||
| Average total assets | $49,250,330 | 6,681 |
| Average earning assets | $44,643,670 | 6,673 |
| Average equity | $3,743,670 | 7,198 |
| Average total loans | $36,224,330 | 6,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3791% | 458 |
| Cost of funding earning assets | 2.0049% | 1,068 |
| Net interest margin | 4.3743% | 1,461 |
| Noninterest income to average assets | 0.3647% | 5,225 |
| Noninterest expense to average assets | 2.8178% | 4,421 |
| Loan and lease loss provision to assets | 0.0829% | 5,812 |
| Net operating income to assets | 1.4421% | 999 |
| Return on assets (ROA) | 1.4421% | 1,076 |
| Pretax return on assets | 1.4421% | 1,662 |
| Return on Equity (ROE) | 19.1524% | 426 |
| Retained earnings to average equity (ytd only) | 19.1524% | 207 |
| Net charge-offs to loans | 3.6987% | 375 |
| Credit loss provision to net charge-offs | 2.9851% | 5,103 |
| Earnings coverage of net charge-offs (x) | 0.5493% | 4,542 |
| Efficiency ratio | 64.8855% | 5,325 |
| Assets per employee ($millions) | 3.7916% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 1,771 |
| Loan loss allowance to noncurrent loans | 118.7029% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 2.5542% | 2,842 |
| Noncurrent loans to loans | 1.8473% | 3,992 |
| Net loans and leases to total assets | 71.2158% | 2,642 |
| Net loans and leases to deposits | 79.3611% | 3,770 |
| Net loans and leases to core deposits | 99.8549% | 2,147 |
| Total domestic deposits to total assets | 89.7365% | 1,124 |
| Equity capital to assets | 7.8899% | 6,767 |
| Core capital (leverage) ratio | 7.7817% | 6,526 |
| Tier 1 risk-based capital ratio | 10.2342% | 6,864 |
| Total risk-based capital ratio | 11.4631% | 6,871 |
| Memoranda: | ||
| Average total assets | $48,264,500 | 6,791 |
| Average earning assets | $43,893,000 | 6,783 |
| Average equity | $3,634,000 | 7,305 |
| Average total loans | $36,228,500 | 6,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5944% | 560 |
| Cost of funding earning assets | 2.3478% | 1,465 |
| Net interest margin | 4.2466% | 1,908 |
| Noninterest income to average assets | 0.2745% | 6,146 |
| Noninterest expense to average assets | 2.9822% | 4,225 |
| Loan and lease loss provision to assets | 2.6430% | 730 |
| Net operating income to assets | -1.5084% | 6,860 |
| Return on assets (ROA) | -1.5084% | 6,870 |
| Pretax return on assets | -1.5084% | 6,710 |
| Return on Equity (ROE) | -17.8270% | 7,072 |
| Retained earnings to average equity (ytd only) | -26.1276% | 7,291 |
| Net charge-offs to loans | 2.1459% | 1,128 |
| Credit loss provision to net charge-offs | 159.6606% | 2,803 |
| Earnings coverage of net charge-offs (x) | 0.6854% | 5,411 |
| Efficiency ratio | 72.4409% | 4,193 |
| Assets per employee ($millions) | 3.6337% | 4,690 |
| Cash dividends to net income (ytd only)* | -46.5616% | 7,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0410% | 746 |
| Loan loss allowance to noncurrent loans | 114.0513% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 2.9298% | 2,390 |
| Noncurrent loans to loans | 2.6663% | 2,879 |
| Net loans and leases to total assets | 75.0561% | 2,011 |
| Net loans and leases to deposits | 83.0445% | 3,440 |
| Net loans and leases to core deposits | 125.7983% | 1,530 |
| Total domestic deposits to total assets | 90.3806% | 788 |
| Equity capital to assets | 7.1531% | 7,292 |
| Core capital (leverage) ratio | 6.9507% | 7,279 |
| Tier 1 risk-based capital ratio | 9.1922% | 7,380 |
| Total risk-based capital ratio | 10.4595% | 7,371 |
| Memoranda: | ||
| Average total assets | $46,274,000 | 6,858 |
| Average earning assets | $41,868,800 | 6,866 |
| Average equity | $3,915,400 | 7,324 |
| Average total loans | $35,695,400 | 6,323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6359% | 576 |
| Cost of funding earning assets | 2.4256% | 1,542 |
| Net interest margin | 4.2103% | 2,015 |
| Noninterest income to average assets | 0.2549% | 6,408 |
| Noninterest expense to average assets | 2.9543% | 4,228 |
| Loan and lease loss provision to assets | 2.1491% | 812 |
| Net operating income to assets | -1.0427% | 6,866 |
| Return on assets (ROA) | -1.0427% | 6,870 |
| Pretax return on assets | -1.0427% | 6,713 |
| Return on Equity (ROE) | -11.8531% | 7,012 |
| Retained earnings to average equity (ytd only) | -22.5536% | 7,424 |
| Net charge-offs to loans | 2.6570% | 680 |
| Credit loss provision to net charge-offs | 104.9505% | 4,838 |
| Earnings coverage of net charge-offs (x) | 0.5403% | 5,492 |
| Efficiency ratio | 72.7532% | 4,091 |
| Assets per employee ($millions) | 3.5406% | 4,831 |
| Cash dividends to net income (ytd only)* | -90.2769% | 7,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 1,922 |
| Loan loss allowance to noncurrent loans | 149.3506% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 3,401 |
| Noncurrent loans to loans | 1.3009% | 4,764 |
| Net loans and leases to total assets | 75.6561% | 2,063 |
| Net loans and leases to deposits | 84.9072% | 3,510 |
| Net loans and leases to core deposits | 127.4821% | 1,619 |
| Total domestic deposits to total assets | 89.1045% | 1,155 |
| Equity capital to assets | 8.0972% | 6,747 |
| Core capital (leverage) ratio | 7.6270% | 6,830 |
| Tier 1 risk-based capital ratio | 8.7525% | 7,699 |
| Total risk-based capital ratio | 9.9981% | 7,736 |
| Memoranda: | ||
| Average total assets | $46,033,000 | 6,919 |
| Average earning assets | $41,611,000 | 6,931 |
| Average equity | $4,049,500 | 7,340 |
| Average total loans | $35,477,500 | 6,378 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6814% | 560 |
| Cost of funding earning assets | 2.4109% | 1,925 |
| Net interest margin | 4.2705% | 1,748 |
| Noninterest income to average assets | 0.2737% | 6,312 |
| Noninterest expense to average assets | 2.9108% | 4,462 |
| Loan and lease loss provision to assets | 1.1730% | 1,466 |
| Net operating income to assets | 0.0608% | 5,679 |
| Return on assets (ROA) | 0.0608% | 5,766 |
| Pretax return on assets | 0.0608% | 5,761 |
| Return on Equity (ROE) | 0.6736% | 5,730 |
| Retained earnings to average equity (ytd only) | -14.9627% | 7,233 |
| Net charge-offs to loans | 1.7651% | 1,074 |
| Credit loss provision to net charge-offs | 86.2620% | 5,022 |
| Earnings coverage of net charge-offs (x) | 0.9073% | 4,852 |
| Efficiency ratio | 70.2306% | 4,731 |
| Assets per employee ($millions) | 3.9190% | 3,839 |
| Cash dividends to net income (ytd only)* | 2,321.4286% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 2,324 |
| Loan loss allowance to noncurrent loans | 42.0041% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 3.5128% | 1,769 |
| Noncurrent loans to loans | 4.0614% | 1,654 |
| Net loans and leases to total assets | 74.9809% | 2,440 |
| Net loans and leases to deposits | 86.5963% | 3,442 |
| Net loans and leases to core deposits | 134.4492% | 1,293 |
| Total domestic deposits to total assets | 86.5867% | 2,461 |
| Equity capital to assets | 8.5928% | 5,910 |
| Core capital (leverage) ratio | 8.4766% | 5,486 |
| Tier 1 risk-based capital ratio | 9.7134% | 7,220 |
| Total risk-based capital ratio | 10.9436% | 7,175 |
| Memoranda: | ||
| Average total assets | $46,034,670 | 6,984 |
| Average earning assets | $41,727,670 | 6,983 |
| Average equity | $4,157,000 | 7,359 |
| Average total loans | $35,465,670 | 6,440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6960% | 584 |
| Cost of funding earning assets | 2.3901% | 2,335 |
| Net interest margin | 4.3060% | 1,587 |
| Noninterest income to average assets | 0.1318% | 7,349 |
| Noninterest expense to average assets | 3.2325% | 2,849 |
| Loan and lease loss provision to assets | 0.6149% | 2,049 |
| Net operating income to assets | 0.1932% | 5,683 |
| Return on assets (ROA) | 0.1932% | 5,854 |
| Pretax return on assets | 0.1932% | 5,955 |
| Return on Equity (ROE) | 2.0878% | 5,745 |
| Retained earnings to average equity (ytd only) | -28.7544% | 7,843 |
| Net charge-offs to loans | 3.6414% | 333 |
| Credit loss provision to net charge-offs | 21.8069% | 5,055 |
| Earnings coverage of net charge-offs (x) | 0.2866% | 4,744 |
| Efficiency ratio | 80.0000% | 2,820 |
| Assets per employee ($millions) | 4.0150% | 3,630 |
| Cash dividends to net income (ytd only)* | 1,477.2727% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,088 |
| Loan loss allowance to noncurrent loans | 50.4370% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 2.0548% | 2,814 |
| Noncurrent loans to loans | 2.2896% | 2,870 |
| Net loans and leases to total assets | 71.7725% | 3,293 |
| Net loans and leases to deposits | 82.6363% | 4,189 |
| Net loans and leases to core deposits | 132.2624% | 1,517 |
| Total domestic deposits to total assets | 86.8535% | 2,293 |
| Equity capital to assets | 8.4579% | 6,142 |
| Core capital (leverage) ratio | 8.8955% | 4,864 |
| Tier 1 risk-based capital ratio | 9.8866% | 7,053 |
| Total risk-based capital ratio | 10.8764% | 7,251 |
| Memoranda: | ||
| Average total assets | $45,538,000 | 7,046 |
| Average earning assets | $41,338,000 | 7,045 |
| Average equity | $4,215,000 | 7,379 |
| Average total loans | $35,261,500 | 6,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4238% | 475 |
| Cost of funding earning assets | 2.7401% | 2,976 |
| Net interest margin | 4.6837% | 1,001 |
| Noninterest income to average assets | 0.3835% | 5,608 |
| Noninterest expense to average assets | 2.6746% | 5,362 |
| Loan and lease loss provision to assets | 1.1335% | 1,282 |
| Net operating income to assets | 0.8586% | 3,183 |
| Return on assets (ROA) | 0.8586% | 3,027 |
| Pretax return on assets | 0.8586% | 3,857 |
| Return on Equity (ROE) | 8.2031% | 2,978 |
| Retained earnings to average equity (ytd only) | -1.7051% | 5,792 |
| Net charge-offs to loans | 0.5582% | 2,146 |
| Credit loss provision to net charge-offs | 254.0541% | 1,832 |
| Earnings coverage of net charge-offs (x) | 4.4649% | 3,974 |
| Efficiency ratio | 57.3127% | 6,816 |
| Assets per employee ($millions) | 3.5747% | 4,488 |
| Cash dividends to net income (ytd only)* | 120.7865% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 1,542 |
| Loan loss allowance to noncurrent loans | 183.9888% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 3,562 |
| Noncurrent loans to loans | 1.0017% | 4,591 |
| Net loans and leases to total assets | 81.3223% | 1,351 |
| Net loans and leases to deposits | 101.6374% | 1,619 |
| Net loans and leases to core deposits | 137.3278% | 1,421 |
| Total domestic deposits to total assets | 80.0121% | 5,021 |
| Equity capital to assets | 10.1525% | 3,863 |
| Core capital (leverage) ratio | 10.3483% | 3,120 |
| Tier 1 risk-based capital ratio | 10.6758% | 6,026 |
| Total risk-based capital ratio | 11.9211% | 5,937 |
| Memoranda: | ||
| Average total assets | $41,463,600 | 7,147 |
| Average earning assets | $37,918,400 | 7,147 |
| Average equity | $4,339,800 | 7,376 |
| Average total loans | $33,140,600 | 6,535 |