| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4730% | 2,965 |
| Cost of funding earning assets | 0.1189% | 4,447 |
| Net interest margin | 3.3542% | 2,288 |
| Noninterest income to average assets | 0.2976% | 3,651 |
| Noninterest expense to average assets | 1.6351% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7514% | 797 |
| Return on assets (ROA) | 1.7514% | 844 |
| Pretax return on assets | 1.7514% | 1,353 |
| Return on Equity (ROE) | 20.3376% | 429 |
| Retained earnings to average equity (ytd only) | 16.6832% | 289 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2828% | 4,366 |
| Assets per employee ($millions) | 6.6298% | 2,070 |
| Cash dividends to net income (ytd only)* | 17.9688% | 2,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6224% | 1,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.2686% | 4,674 |
| Net loans and leases to deposits | 32.1053% | 4,725 |
| Net loans and leases to core deposits | 33.3454% | 4,724 |
| Total domestic deposits to total assets | 91.1644% | 324 |
| Equity capital to assets | 8.7115% | 4,036 |
| Core capital (leverage) ratio | 8.7911% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2400% | 331 |
| Memoranda: |
| Average total assets | $58,466,667 | 4,557 |
| Average earning assets | $53,843,333 | 4,551 |
| Average equity | $5,035,000 | 4,726 |
| Average total loans | $18,082,667 | 4,700 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2142% | 1,171 |
| Cost of funding earning assets | 0.1338% | 4,429 |
| Net interest margin | 4.0804% | 747 |
| Noninterest income to average assets | 0.3180% | 3,501 |
| Noninterest expense to average assets | 1.7005% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4125% | 308 |
| Return on assets (ROA) | 2.4125% | 333 |
| Pretax return on assets | 2.4125% | 509 |
| Return on Equity (ROE) | 28.1821% | 178 |
| Retained earnings to average equity (ytd only) | 28.1821% | 93 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3445% | 4,694 |
| Assets per employee ($millions) | 6.5296% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5318% | 1,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.5029% | 4,645 |
| Net loans and leases to deposits | 34.5740% | 4,715 |
| Net loans and leases to core deposits | 35.9308% | 4,725 |
| Total domestic deposits to total assets | 91.1173% | 360 |
| Equity capital to assets | 8.7261% | 3,934 |
| Core capital (leverage) ratio | 8.8295% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0404% | 253 |
| Memoranda: |
| Average total assets | $57,866,000 | 4,581 |
| Average earning assets | $53,818,500 | 4,567 |
| Average equity | $4,953,500 | 4,751 |
| Average total loans | $18,248,000 | 4,725 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3568% | 4,255 |
| Cost of funding earning assets | 0.3204% | 4,024 |
| Net interest margin | 3.0364% | 3,805 |
| Noninterest income to average assets | 0.3440% | 3,404 |
| Noninterest expense to average assets | 2.0581% | 4,024 |
| Loan and lease loss provision to assets | -1.4332% | 5,001 |
| Net operating income to assets | 2.4899% | 136 |
| Return on assets (ROA) | 2.4899% | 141 |
| Pretax return on assets | 2.4899% | 190 |
| Return on Equity (ROE) | 24.9559% | 110 |
| Retained earnings to average equity (ytd only) | -48.0924% | 4,989 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0736% | 2,521 |
| Assets per employee ($millions) | 6.3296% | 2,062 |
| Cash dividends to net income (ytd only)* | 292.7091% | 30 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6276% | 1,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 30.5568% | 4,738 |
| Net loans and leases to deposits | 33.4172% | 4,798 |
| Net loans and leases to core deposits | 34.7667% | 4,793 |
| Total domestic deposits to total assets | 91.4405% | 143 |
| Equity capital to assets | 8.3892% | 4,524 |
| Core capital (leverage) ratio | 8.5710% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4372% | 240 |
| Memoranda: |
| Average total assets | $52,331,000 | 4,624 |
| Average earning assets | $47,754,200 | 4,616 |
| Average equity | $5,221,200 | 4,724 |
| Average total loans | $20,695,600 | 4,697 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6537% | 3,907 |
| Cost of funding earning assets | 0.3651% | 3,978 |
| Net interest margin | 3.2887% | 3,229 |
| Noninterest income to average assets | 0.3413% | 3,432 |
| Noninterest expense to average assets | 2.0245% | 4,096 |
| Loan and lease loss provision to assets | -1.9542% | 5,033 |
| Net operating income to assets | 3.2517% | 76 |
| Return on assets (ROA) | 3.2517% | 78 |
| Pretax return on assets | 3.2517% | 104 |
| Return on Equity (ROE) | 31.2085% | 54 |
| Retained earnings to average equity (ytd only) | -64.1674% | 5,021 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9412% | 3,228 |
| Assets per employee ($millions) | 5.8203% | 2,428 |
| Cash dividends to net income (ytd only)* | 305.6090% | 33 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2948% | 2,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 41.9105% | 4,506 |
| Net loans and leases to deposits | 46.2248% | 4,597 |
| Net loans and leases to core deposits | 47.7365% | 4,633 |
| Total domestic deposits to total assets | 90.6668% | 243 |
| Equity capital to assets | 9.0182% | 4,108 |
| Core capital (leverage) ratio | 9.0895% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6240% | 426 |
| Memoranda: |
| Average total assets | $51,172,250 | 4,656 |
| Average earning assets | $46,380,500 | 4,663 |
| Average equity | $5,331,750 | 4,736 |
| Average total loans | $21,445,750 | 4,716 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6393% | 4,196 |
| Cost of funding earning assets | 0.3862% | 4,101 |
| Net interest margin | 3.2531% | 3,514 |
| Noninterest income to average assets | 0.3467% | 3,397 |
| Noninterest expense to average assets | 2.0406% | 4,150 |
| Loan and lease loss provision to assets | -2.9546% | 5,066 |
| Net operating income to assets | 4.3137% | 44 |
| Return on assets (ROA) | 4.3137% | 43 |
| Pretax return on assets | 4.3137% | 54 |
| Return on Equity (ROE) | 39.5712% | 34 |
| Retained earnings to average equity (ytd only) | -94.4649% | 5,057 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0232% | 3,408 |
| Assets per employee ($millions) | 5.7400% | 2,419 |
| Cash dividends to net income (ytd only)* | 338.7215% | 38 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2563% | 2,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 43.8173% | 4,458 |
| Net loans and leases to deposits | 48.3386% | 4,585 |
| Net loans and leases to core deposits | 49.9360% | 4,623 |
| Total domestic deposits to total assets | 90.6465% | 238 |
| Equity capital to assets | 9.0515% | 4,044 |
| Core capital (leverage) ratio | 9.2645% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4844% | 471 |
| Memoranda: |
| Average total assets | $50,768,667 | 4,679 |
| Average earning assets | $47,646,667 | 4,660 |
| Average equity | $5,534,333 | 4,743 |
| Average total loans | $21,180,333 | 4,747 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8812% | 4,074 |
| Cost of funding earning assets | 0.4378% | 4,208 |
| Net interest margin | 3.4434% | 3,172 |
| Noninterest income to average assets | 0.3815% | 3,222 |
| Noninterest expense to average assets | 2.0587% | 4,295 |
| Loan and lease loss provision to assets | -5.9615% | 5,116 |
| Net operating income to assets | 7.5353% | 22 |
| Return on assets (ROA) | 7.5353% | 22 |
| Pretax return on assets | 7.5353% | 26 |
| Return on Equity (ROE) | 63.5868% | 8 |
| Retained earnings to average equity (ytd only) | -177.8821% | 5,109 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6740% | 4,141 |
| Assets per employee ($millions) | 5.4372% | 2,186 |
| Cash dividends to net income (ytd only)* | 379.7468% | 86 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3698% | 1,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 42.3766% | 4,575 |
| Net loans and leases to deposits | 46.9407% | 4,695 |
| Net loans and leases to core deposits | 48.5883% | 4,710 |
| Total domestic deposits to total assets | 90.2769% | 245 |
| Equity capital to assets | 9.4758% | 4,240 |
| Core capital (leverage) ratio | 9.1238% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7545% | 584 |
| Memoranda: |
| Average total assets | $50,323,000 | 4,707 |
| Average earning assets | $47,510,500 | 4,682 |
| Average equity | $5,963,500 | 4,729 |
| Average total loans | $20,308,500 | 4,800 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5041% | 2,928 |
| Cost of funding earning assets | 0.3942% | 4,458 |
| Net interest margin | 4.1099% | 1,514 |
| Noninterest income to average assets | 0.3920% | 3,347 |
| Noninterest expense to average assets | 2.0214% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.2236% | 214 |
| Return on assets (ROA) | 2.2236% | 227 |
| Pretax return on assets | 2.2236% | 369 |
| Return on Equity (ROE) | 15.3631% | 624 |
| Retained earnings to average equity (ytd only) | 5.7700% | 1,991 |
| Net charge-offs to loans | -0.2523% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6190% | 4,849 |
| Assets per employee ($millions) | 5.7457% | 1,839 |
| Cash dividends to net income (ytd only)* | 62.4426% | 1,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2981% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 35.8802% | 4,845 |
| Net loans and leases to deposits | 41.8760% | 4,870 |
| Net loans and leases to core deposits | 43.3414% | 4,887 |
| Total domestic deposits to total assets | 85.6820% | 2,202 |
| Equity capital to assets | 14.0976% | 1,063 |
| Core capital (leverage) ratio | 14.6819% | 748 |
| Tier 1 risk-based capital ratio | 37.0936% | 287 |
| Total risk-based capital ratio | 38.3911% | 282 |
| Memoranda: |
| Average total assets | $48,975,600 | 4,767 |
| Average earning assets | $45,913,600 | 4,753 |
| Average equity | $7,088,400 | 4,630 |
| Average total loans | $21,401,000 | 4,828 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6547% | 2,547 |
| Cost of funding earning assets | 0.3918% | 4,527 |
| Net interest margin | 4.2629% | 1,242 |
| Noninterest income to average assets | 0.3865% | 3,398 |
| Noninterest expense to average assets | 1.9299% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4517% | 176 |
| Return on assets (ROA) | 2.4517% | 185 |
| Pretax return on assets | 2.4517% | 272 |
| Return on Equity (ROE) | 16.8225% | 498 |
| Retained earnings to average equity (ytd only) | 5.8349% | 2,445 |
| Net charge-offs to loans | -0.3295% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0454% | 5,010 |
| Assets per employee ($millions) | 5.2641% | 2,268 |
| Cash dividends to net income (ytd only)* | 65.3150% | 1,095 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4298% | 49 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.2677% | 4,534 |
| Net loans and leases to deposits | 55.9626% | 4,553 |
| Net loans and leases to core deposits | 56.7511% | 4,666 |
| Total domestic deposits to total assets | 84.4629% | 2,644 |
| Equity capital to assets | 15.1740% | 801 |
| Core capital (leverage) ratio | 15.3864% | 664 |
| Tier 1 risk-based capital ratio | 31.1833% | 447 |
| Total risk-based capital ratio | 32.4716% | 439 |
| Memoranda: |
| Average total assets | $48,291,750 | 4,846 |
| Average earning assets | $45,258,000 | 4,831 |
| Average equity | $7,038,000 | 4,693 |
| Average total loans | $21,853,250 | 4,896 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5616% | 2,795 |
| Cost of funding earning assets | 0.3801% | 4,585 |
| Net interest margin | 4.1815% | 1,405 |
| Noninterest income to average assets | 0.3745% | 3,437 |
| Noninterest expense to average assets | 1.8273% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.4858% | 156 |
| Return on assets (ROA) | 2.4858% | 160 |
| Pretax return on assets | 2.4858% | 244 |
| Return on Equity (ROE) | 17.2876% | 437 |
| Retained earnings to average equity (ytd only) | 3.7208% | 3,398 |
| Net charge-offs to loans | -0.5064% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3664% | 5,107 |
| Assets per employee ($millions) | 5.2613% | 2,189 |
| Cash dividends to net income (ytd only)* | 78.4768% | 863 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5665% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 45.8122% | 4,646 |
| Net loans and leases to deposits | 53.9721% | 4,681 |
| Net loans and leases to core deposits | 54.7264% | 4,758 |
| Total domestic deposits to total assets | 84.8813% | 2,532 |
| Equity capital to assets | 14.8040% | 865 |
| Core capital (leverage) ratio | 14.7691% | 758 |
| Tier 1 risk-based capital ratio | 31.3745% | 442 |
| Total risk-based capital ratio | 32.6635% | 433 |
| Memoranda: |
| Average total assets | $48,596,670 | 4,878 |
| Average earning assets | $45,773,000 | 4,855 |
| Average equity | $6,987,670 | 4,727 |
| Average total loans | $21,327,000 | 4,948 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4139% | 3,175 |
| Cost of funding earning assets | 0.3685% | 4,609 |
| Net interest margin | 4.0453% | 1,701 |
| Noninterest income to average assets | 0.3738% | 3,358 |
| Noninterest expense to average assets | 1.8448% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3649% | 207 |
| Return on assets (ROA) | 2.3649% | 220 |
| Pretax return on assets | 2.3649% | 318 |
| Return on Equity (ROE) | 16.6846% | 505 |
| Retained earnings to average equity (ytd only) | 10.9510% | 814 |
| Net charge-offs to loans | -1.0473% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8224% | 5,108 |
| Assets per employee ($millions) | 5.2941% | 2,182 |
| Cash dividends to net income (ytd only)* | 34.3643% | 2,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.9079% | 38 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 42.1684% | 4,821 |
| Net loans and leases to deposits | 49.6626% | 4,825 |
| Net loans and leases to core deposits | 50.0374% | 4,887 |
| Total domestic deposits to total assets | 84.9099% | 2,711 |
| Equity capital to assets | 14.8425% | 785 |
| Core capital (leverage) ratio | 14.6116% | 785 |
| Tier 1 risk-based capital ratio | 33.5007% | 368 |
| Total risk-based capital ratio | 34.7939% | 357 |
| Memoranda: |
| Average total assets | $49,219,000 | 4,917 |
| Average earning assets | $46,671,000 | 4,894 |
| Average equity | $6,976,500 | 4,759 |
| Average total loans | $20,625,000 | 5,023 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1604% | 3,552 |
| Cost of funding earning assets | 0.2567% | 4,773 |
| Net interest margin | 3.9037% | 2,314 |
| Noninterest income to average assets | 0.3653% | 3,654 |
| Noninterest expense to average assets | 2.1316% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8044% | 546 |
| Return on assets (ROA) | 1.8044% | 540 |
| Pretax return on assets | 1.8044% | 905 |
| Return on Equity (ROE) | 13.4872% | 1,176 |
| Retained earnings to average equity (ytd only) | 7.2912% | 1,544 |
| Net charge-offs to loans | -1.8556% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1560% | 4,607 |
| Assets per employee ($millions) | 5.6434% | 1,817 |
| Cash dividends to net income (ytd only)* | 45.9399% | 2,191 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8854% | 35 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.6799% | 5,025 |
| Net loans and leases to deposits | 43.6931% | 5,034 |
| Net loans and leases to core deposits | 43.9974% | 5,076 |
| Total domestic deposits to total assets | 86.2377% | 2,118 |
| Equity capital to assets | 13.5477% | 1,122 |
| Core capital (leverage) ratio | 13.7208% | 1,005 |
| Tier 1 risk-based capital ratio | 33.9233% | 342 |
| Total risk-based capital ratio | 35.2199% | 338 |
| Memoranda: |
| Average total assets | $49,822,200 | 4,935 |
| Average earning assets | $45,572,600 | 4,942 |
| Average equity | $6,665,600 | 4,796 |
| Average total loans | $23,065,600 | 4,998 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2167% | 3,259 |
| Cost of funding earning assets | 0.2405% | 4,843 |
| Net interest margin | 3.9762% | 2,026 |
| Noninterest income to average assets | 0.3603% | 3,726 |
| Noninterest expense to average assets | 2.1460% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8152% | 586 |
| Return on assets (ROA) | 1.8152% | 588 |
| Pretax return on assets | 1.8152% | 980 |
| Return on Equity (ROE) | 13.6118% | 1,232 |
| Retained earnings to average equity (ytd only) | 8.4494% | 1,448 |
| Net charge-offs to loans | -2.0446% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1752% | 4,597 |
| Assets per employee ($millions) | 5.2410% | 2,179 |
| Cash dividends to net income (ytd only)* | 37.9253% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7378% | 73 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 50.2851% | 4,571 |
| Net loans and leases to deposits | 58.9819% | 4,598 |
| Net loans and leases to core deposits | 59.4253% | 4,723 |
| Total domestic deposits to total assets | 85.2551% | 2,508 |
| Equity capital to assets | 14.4459% | 842 |
| Core capital (leverage) ratio | 14.1194% | 903 |
| Tier 1 risk-based capital ratio | 25.2529% | 727 |
| Total risk-based capital ratio | 26.5278% | 713 |
| Memoranda: |
| Average total assets | $49,580,000 | 4,996 |
| Average earning assets | $44,899,750 | 5,010 |
| Average equity | $6,611,750 | 4,859 |
| Average total loans | $23,801,750 | 5,033 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0254% | 3,711 |
| Cost of funding earning assets | 0.2306% | 4,851 |
| Net interest margin | 3.7947% | 2,581 |
| Noninterest income to average assets | 0.3017% | 4,162 |
| Noninterest expense to average assets | 2.0364% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7267% | 688 |
| Return on assets (ROA) | 1.7267% | 689 |
| Pretax return on assets | 1.7267% | 1,150 |
| Return on Equity (ROE) | 13.2940% | 1,267 |
| Retained earnings to average equity (ytd only) | 8.0069% | 1,631 |
| Net charge-offs to loans | -2.9249% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1139% | 4,678 |
| Assets per employee ($millions) | 5.4494% | 1,940 |
| Cash dividends to net income (ytd only)* | 39.7701% | 2,137 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6375% | 73 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 48.5595% | 4,685 |
| Net loans and leases to deposits | 56.3626% | 4,732 |
| Net loans and leases to core deposits | 57.1072% | 4,824 |
| Total domestic deposits to total assets | 86.1556% | 2,209 |
| Equity capital to assets | 13.5732% | 1,074 |
| Core capital (leverage) ratio | 13.3244% | 1,126 |
| Tier 1 risk-based capital ratio | 24.9531% | 738 |
| Total risk-based capital ratio | 26.2276% | 720 |
| Memoranda: |
| Average total assets | $50,383,670 | 5,042 |
| Average earning assets | $45,958,670 | 5,043 |
| Average equity | $6,544,330 | 4,920 |
| Average total loans | $23,522,330 | 5,101 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7851% | 4,263 |
| Cost of funding earning assets | 0.2051% | 4,986 |
| Net interest margin | 3.5800% | 3,254 |
| Noninterest income to average assets | 0.2742% | 4,337 |
| Noninterest expense to average assets | 2.0919% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4651% | 1,164 |
| Return on assets (ROA) | 1.4651% | 1,163 |
| Pretax return on assets | 1.4651% | 1,785 |
| Return on Equity (ROE) | 11.5290% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.5290% | 785 |
| Net charge-offs to loans | -3.6989% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8106% | 4,248 |
| Assets per employee ($millions) | 5.6756% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3052% | 107 |
| Loan loss allowance to noncurrent loans | 1,024.0000% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 4,347 |
| Noncurrent loans to loans | 0.3228% | 3,609 |
| Net loans and leases to total assets | 43.9859% | 4,897 |
| Net loans and leases to deposits | 50.6025% | 4,940 |
| Net loans and leases to core deposits | 51.2383% | 5,005 |
| Total domestic deposits to total assets | 86.9244% | 2,158 |
| Equity capital to assets | 12.8837% | 1,301 |
| Core capital (leverage) ratio | 12.7993% | 1,252 |
| Tier 1 risk-based capital ratio | 26.2767% | 662 |
| Total risk-based capital ratio | 27.5504% | 652 |
| Memoranda: |
| Average total assets | $51,053,000 | 5,092 |
| Average earning assets | $46,815,500 | 5,084 |
| Average equity | $6,488,000 | 4,986 |
| Average total loans | $22,926,000 | 5,181 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7676% | 4,160 |
| Cost of funding earning assets | 0.1632% | 5,191 |
| Net interest margin | 3.6043% | 3,148 |
| Noninterest income to average assets | 0.4075% | 3,584 |
| Noninterest expense to average assets | 2.1174% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5911% | 663 |
| Return on assets (ROA) | 1.5911% | 680 |
| Pretax return on assets | 1.5911% | 1,316 |
| Return on Equity (ROE) | 12.7310% | 1,018 |
| Retained earnings to average equity (ytd only) | 7.9958% | 766 |
| Net charge-offs to loans | 1.7790% | 83 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.7740% | 3,856 |
| Efficiency ratio | 57.0955% | 4,642 |
| Assets per employee ($millions) | 5.6696% | 1,772 |
| Cash dividends to net income (ytd only)* | 37.1943% | 2,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4540% | 261 |
| Loan loss allowance to noncurrent loans | 5,550.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,061 |
| Noncurrent loans to loans | 0.0442% | 4,800 |
| Net loans and leases to total assets | 43.2348% | 5,016 |
| Net loans and leases to deposits | 49.5308% | 5,076 |
| Net loans and leases to core deposits | 50.1500% | 5,130 |
| Total domestic deposits to total assets | 87.2888% | 1,863 |
| Equity capital to assets | 12.5328% | 1,497 |
| Core capital (leverage) ratio | 12.9959% | 1,142 |
| Tier 1 risk-based capital ratio | 25.9159% | 670 |
| Total risk-based capital ratio | 28.1650% | 591 |
| Memoranda: |
| Average total assets | $48,834,600 | 5,178 |
| Average earning assets | $44,723,800 | 5,177 |
| Average equity | $6,103,200 | 5,086 |
| Average total loans | $24,620,800 | 5,173 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7779% | 4,077 |
| Cost of funding earning assets | 0.1538% | 5,293 |
| Net interest margin | 3.6242% | 3,055 |
| Noninterest income to average assets | 0.3755% | 3,845 |
| Noninterest expense to average assets | 2.1289% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5656% | 774 |
| Return on assets (ROA) | 1.5656% | 793 |
| Pretax return on assets | 1.5656% | 1,528 |
| Return on Equity (ROE) | 12.5365% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.1467% | 2,146 |
| Net charge-offs to loans | 2.3246% | 65 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.2945% | 3,582 |
| Efficiency ratio | 57.6233% | 4,552 |
| Assets per employee ($millions) | 5.0190% | 2,423 |
| Cash dividends to net income (ytd only)* | 50.9696% | 1,717 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0520% | 519 |
| Loan loss allowance to noncurrent loans | 2,413.0435% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,975 |
| Noncurrent loans to loans | 0.0850% | 4,732 |
| Net loans and leases to total assets | 58.6482% | 4,002 |
| Net loans and leases to deposits | 68.1782% | 4,100 |
| Net loans and leases to core deposits | 68.6197% | 4,325 |
| Total domestic deposits to total assets | 86.0220% | 2,299 |
| Equity capital to assets | 13.6924% | 1,080 |
| Core capital (leverage) ratio | 13.4410% | 1,048 |
| Tier 1 risk-based capital ratio | 21.8567% | 1,059 |
| Total risk-based capital ratio | 23.8179% | 975 |
| Memoranda: |
| Average total assets | $48,286,750 | 5,242 |
| Average earning assets | $44,220,750 | 5,243 |
| Average equity | $6,030,250 | 5,158 |
| Average total loans | $25,122,000 | 5,209 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6019% | 4,506 |
| Cost of funding earning assets | 0.1368% | 5,407 |
| Net interest margin | 3.4650% | 3,522 |
| Noninterest income to average assets | 0.3568% | 4,008 |
| Noninterest expense to average assets | 2.0801% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4597% | 935 |
| Return on assets (ROA) | 1.4597% | 960 |
| Pretax return on assets | 1.4597% | 1,797 |
| Return on Equity (ROE) | 12.0428% | 1,286 |
| Retained earnings to average equity (ytd only) | 3.7132% | 3,489 |
| Net charge-offs to loans | 3.5784% | 34 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.8219% | 3,342 |
| Efficiency ratio | 58.7629% | 4,498 |
| Assets per employee ($millions) | 5.2904% | 2,068 |
| Cash dividends to net income (ytd only)* | 69.1667% | 1,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1398% | 474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.3079% | 4,456 |
| Net loans and leases to deposits | 61.1836% | 4,551 |
| Net loans and leases to core deposits | 61.1836% | 4,758 |
| Total domestic deposits to total assets | 87.1277% | 1,895 |
| Equity capital to assets | 12.6370% | 1,554 |
| Core capital (leverage) ratio | 12.6365% | 1,322 |
| Tier 1 risk-based capital ratio | 20.1615% | 1,339 |
| Total risk-based capital ratio | 22.0212% | 1,200 |
| Memoranda: |
| Average total assets | $49,325,330 | 5,265 |
| Average earning assets | $45,309,670 | 5,253 |
| Average equity | $5,978,670 | 5,197 |
| Average total loans | $24,480,330 | 5,269 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3657% | 5,005 |
| Cost of funding earning assets | 0.1181% | 5,574 |
| Net interest margin | 3.2476% | 4,194 |
| Noninterest income to average assets | 0.3986% | 3,670 |
| Noninterest expense to average assets | 2.1124% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3551% | 1,103 |
| Return on assets (ROA) | 1.3551% | 1,138 |
| Pretax return on assets | 1.3551% | 2,044 |
| Return on Equity (ROE) | 11.4104% | 1,434 |
| Retained earnings to average equity (ytd only) | 7.1818% | 1,792 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9195% | 4,330 |
| Assets per employee ($millions) | 5.4756% | 1,916 |
| Cash dividends to net income (ytd only)* | 37.0588% | 2,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1451% | 73 |
| Loan loss allowance to noncurrent loans | 220.1774% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 2,023 |
| Noncurrent loans to loans | 1.8826% | 976 |
| Net loans and leases to total assets | 46.5970% | 4,911 |
| Net loans and leases to deposits | 53.1871% | 4,982 |
| Net loans and leases to core deposits | 53.1871% | 5,095 |
| Total domestic deposits to total assets | 87.6096% | 1,938 |
| Equity capital to assets | 12.2017% | 1,709 |
| Core capital (leverage) ratio | 12.0499% | 1,594 |
| Tier 1 risk-based capital ratio | 25.0416% | 768 |
| Total risk-based capital ratio | 29.1771% | 550 |
| Memoranda: |
| Average total assets | $50,181,000 | 5,305 |
| Average earning assets | $47,420,000 | 5,262 |
| Average equity | $5,959,500 | 5,244 |
| Average total loans | $23,752,000 | 5,343 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3785% | 5,025 |
| Cost of funding earning assets | 0.1174% | 5,624 |
| Net interest margin | 3.2611% | 4,261 |
| Noninterest income to average assets | 0.5396% | 2,978 |
| Noninterest expense to average assets | 2.1543% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4164% | 978 |
| Return on assets (ROA) | 1.4164% | 999 |
| Pretax return on assets | 1.4164% | 1,873 |
| Return on Equity (ROE) | 12.6686% | 1,075 |
| Retained earnings to average equity (ytd only) | 10.0071% | 407 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3333% | 4,528 |
| Assets per employee ($millions) | 5.6758% | 1,711 |
| Cash dividends to net income (ytd only)* | 21.0084% | 3,686 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2169% | 67 |
| Loan loss allowance to noncurrent loans | 176.6904% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 1,695 |
| Noncurrent loans to loans | 2.3866% | 672 |
| Net loans and leases to total assets | 44.1545% | 5,106 |
| Net loans and leases to deposits | 50.0188% | 5,213 |
| Net loans and leases to core deposits | 50.0188% | 5,302 |
| Total domestic deposits to total assets | 88.2757% | 1,499 |
| Equity capital to assets | 11.5618% | 2,112 |
| Core capital (leverage) ratio | 11.7238% | 1,777 |
| Tier 1 risk-based capital ratio | 24.6186% | 802 |
| Total risk-based capital ratio | 28.7578% | 581 |
| Memoranda: |
| Average total assets | $50,410,400 | 5,335 |
| Average earning assets | $46,854,800 | 5,315 |
| Average equity | $5,636,000 | 5,347 |
| Average total loans | $25,117,400 | 5,346 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3708% | 5,081 |
| Cost of funding earning assets | 0.1175% | 5,685 |
| Net interest margin | 3.2533% | 4,338 |
| Noninterest income to average assets | 0.5679% | 2,828 |
| Noninterest expense to average assets | 2.1309% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4489% | 976 |
| Return on assets (ROA) | 1.4489% | 1,024 |
| Pretax return on assets | 1.4489% | 1,881 |
| Return on Equity (ROE) | 13.0732% | 1,033 |
| Retained earnings to average equity (ytd only) | 10.4874% | 491 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5256% | 4,610 |
| Assets per employee ($millions) | 5.9613% | 1,458 |
| Cash dividends to net income (ytd only)* | 19.7808% | 3,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6097% | 105 |
| Loan loss allowance to noncurrent loans | 168.0203% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 1,592 |
| Noncurrent loans to loans | 2.1484% | 881 |
| Net loans and leases to total assets | 55.6008% | 4,354 |
| Net loans and leases to deposits | 63.4825% | 4,527 |
| Net loans and leases to core deposits | 63.4825% | 4,750 |
| Total domestic deposits to total assets | 87.5844% | 1,620 |
| Equity capital to assets | 12.1220% | 2,024 |
| Core capital (leverage) ratio | 12.0130% | 1,671 |
| Tier 1 risk-based capital ratio | 20.8332% | 1,300 |
| Total risk-based capital ratio | 24.4117% | 973 |
| Memoranda: |
| Average total assets | $50,242,500 | 5,393 |
| Average earning assets | $46,516,500 | 5,373 |
| Average equity | $5,568,500 | 5,408 |
| Average total loans | $25,509,750 | 5,382 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1856% | 5,451 |
| Cost of funding earning assets | 0.1142% | 5,784 |
| Net interest margin | 3.0714% | 4,915 |
| Noninterest income to average assets | 0.7242% | 2,031 |
| Noninterest expense to average assets | 2.0629% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5031% | 889 |
| Return on assets (ROA) | 1.5031% | 931 |
| Pretax return on assets | 1.5031% | 1,664 |
| Return on Equity (ROE) | 13.9696% | 834 |
| Retained earnings to average equity (ytd only) | 11.6413% | 372 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8485% | 4,923 |
| Assets per employee ($millions) | 6.2649% | 1,217 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7338% | 103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.0824% | 4,758 |
| Net loans and leases to deposits | 57.7402% | 4,917 |
| Net loans and leases to core deposits | 57.7402% | 5,083 |
| Total domestic deposits to total assets | 88.4694% | 1,185 |
| Equity capital to assets | 11.2971% | 2,740 |
| Core capital (leverage) ratio | 11.3335% | 2,116 |
| Tier 1 risk-based capital ratio | 20.7369% | 1,302 |
| Total risk-based capital ratio | 24.3737% | 981 |
| Memoranda: |
| Average total assets | $51,093,330 | 5,438 |
| Average earning assets | $47,274,670 | 5,413 |
| Average equity | $5,497,670 | 5,471 |
| Average total loans | $24,843,330 | 5,469 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0063% | 5,688 |
| Cost of funding earning assets | 0.1005% | 5,915 |
| Net interest margin | 2.9058% | 5,311 |
| Noninterest income to average assets | 0.4575% | 3,430 |
| Noninterest expense to average assets | 2.0008% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1477% | 1,719 |
| Return on assets (ROA) | 1.1477% | 1,833 |
| Pretax return on assets | 1.1477% | 2,897 |
| Return on Equity (ROE) | 10.9316% | 1,619 |
| Retained earnings to average equity (ytd only) | 10.9316% | 663 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5468% | 4,202 |
| Assets per employee ($millions) | 6.3035% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0672% | 87 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.4464% | 5,087 |
| Net loans and leases to deposits | 52.2439% | 5,213 |
| Net loans and leases to core deposits | 52.2439% | 5,340 |
| Total domestic deposits to total assets | 88.9030% | 1,155 |
| Equity capital to assets | 10.8848% | 3,063 |
| Core capital (leverage) ratio | 10.7951% | 2,626 |
| Tier 1 risk-based capital ratio | 21.6094% | 1,217 |
| Total risk-based capital ratio | 25.5187% | 877 |
| Memoranda: |
| Average total assets | $51,580,500 | 5,478 |
| Average earning assets | $47,766,000 | 5,451 |
| Average equity | $5,415,500 | 5,525 |
| Average total loans | $23,967,500 | 5,553 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2003% | 5,517 |
| Cost of funding earning assets | 0.1249% | 5,854 |
| Net interest margin | 3.0754% | 4,961 |
| Noninterest income to average assets | 1.3558% | 656 |
| Noninterest expense to average assets | 2.1336% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0277% | 329 |
| Return on assets (ROA) | 2.0277% | 338 |
| Pretax return on assets | 2.0277% | 509 |
| Return on Equity (ROE) | 19.8987% | 258 |
| Retained earnings to average equity (ytd only) | 12.3043% | 235 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2734% | 5,681 |
| Assets per employee ($millions) | 6.5916% | 1,052 |
| Cash dividends to net income (ytd only)* | 38.1657% | 2,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2219% | 74 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.7190% | 5,363 |
| Net loans and leases to deposits | 47.6258% | 5,496 |
| Net loans and leases to core deposits | 47.6258% | 5,579 |
| Total domestic deposits to total assets | 89.6972% | 753 |
| Equity capital to assets | 10.1303% | 3,829 |
| Core capital (leverage) ratio | 10.4897% | 2,945 |
| Tier 1 risk-based capital ratio | 21.8469% | 1,171 |
| Total risk-based capital ratio | 25.9079% | 830 |
| Memoranda: |
| Average total assets | $50,008,600 | 5,541 |
| Average earning assets | $45,620,200 | 5,539 |
| Average equity | $5,095,800 | 5,634 |
| Average total loans | $24,924,200 | 5,557 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2211% | 5,559 |
| Cost of funding earning assets | 0.1280% | 5,931 |
| Net interest margin | 3.0931% | 4,982 |
| Noninterest income to average assets | 1.6056% | 490 |
| Noninterest expense to average assets | 2.1488% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2651% | 229 |
| Return on assets (ROA) | 2.2651% | 238 |
| Pretax return on assets | 2.2651% | 361 |
| Return on Equity (ROE) | 22.1942% | 188 |
| Retained earnings to average equity (ytd only) | 14.6459% | 181 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6834% | 5,839 |
| Assets per employee ($millions) | 5.9965% | 1,375 |
| Cash dividends to net income (ytd only)* | 34.0094% | 2,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5750% | 130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.8305% | 4,374 |
| Net loans and leases to deposits | 62.9300% | 4,649 |
| Net loans and leases to core deposits | 62.9300% | 4,871 |
| Total domestic deposits to total assets | 88.7184% | 1,167 |
| Equity capital to assets | 10.9835% | 3,045 |
| Core capital (leverage) ratio | 11.2747% | 2,217 |
| Tier 1 risk-based capital ratio | 17.7145% | 2,112 |
| Total risk-based capital ratio | 21.0530% | 1,563 |
| Memoranda: |
| Average total assets | $49,327,500 | 5,625 |
| Average earning assets | $44,786,750 | 5,635 |
| Average equity | $5,034,250 | 5,717 |
| Average total loans | $25,275,250 | 5,603 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0440% | 5,809 |
| Cost of funding earning assets | 0.1232% | 6,027 |
| Net interest margin | 2.9208% | 5,403 |
| Noninterest income to average assets | 2.1455% | 335 |
| Noninterest expense to average assets | 2.1897% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.6236% | 145 |
| Return on assets (ROA) | 2.6236% | 151 |
| Pretax return on assets | 2.6236% | 211 |
| Return on Equity (ROE) | 26.3519% | 95 |
| Retained earnings to average equity (ytd only) | 22.4778% | 61 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4925% | 6,058 |
| Assets per employee ($millions) | 5.9299% | 1,412 |
| Cash dividends to net income (ytd only)* | 14.7014% | 3,347 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7800% | 129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.2832% | 4,633 |
| Net loans and leases to deposits | 60.1275% | 4,838 |
| Net loans and leases to core deposits | 60.1275% | 5,068 |
| Total domestic deposits to total assets | 88.6170% | 1,350 |
| Equity capital to assets | 11.1132% | 2,760 |
| Core capital (leverage) ratio | 10.9678% | 2,459 |
| Tier 1 risk-based capital ratio | 19.5701% | 1,651 |
| Total risk-based capital ratio | 23.2562% | 1,189 |
| Memoranda: |
| Average total assets | $49,779,330 | 5,675 |
| Average earning assets | $45,466,330 | 5,673 |
| Average equity | $4,956,000 | 5,792 |
| Average total loans | $24,441,670 | 5,689 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9810% | 5,914 |
| Cost of funding earning assets | 0.1203% | 6,112 |
| Net interest margin | 2.8608% | 5,531 |
| Noninterest income to average assets | 0.6830% | 2,239 |
| Noninterest expense to average assets | 2.2140% | 5,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0834% | 1,928 |
| Return on assets (ROA) | 1.0834% | 2,041 |
| Pretax return on assets | 1.0834% | 3,144 |
| Return on Equity (ROE) | 11.5048% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.5048% | 641 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1429% | 3,968 |
| Assets per employee ($millions) | 5.4250% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1646% | 111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.8018% | 5,135 |
| Net loans and leases to deposits | 52.1165% | 5,325 |
| Net loans and leases to core deposits | 52.1165% | 5,483 |
| Total domestic deposits to total assets | 89.8024% | 845 |
| Equity capital to assets | 9.9396% | 4,213 |
| Core capital (leverage) ratio | 9.7552% | 3,950 |
| Tier 1 risk-based capital ratio | 19.4027% | 1,763 |
| Total risk-based capital ratio | 23.3728% | 1,206 |
| Memoranda: |
| Average total assets | $50,949,500 | 5,703 |
| Average earning assets | $46,561,000 | 5,695 |
| Average equity | $4,798,000 | 5,884 |
| Average total loans | $23,527,500 | 5,773 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4211% | 5,490 |
| Cost of funding earning assets | 0.1322% | 6,188 |
| Net interest margin | 3.2889% | 4,620 |
| Noninterest income to average assets | 5.3774% | 116 |
| Noninterest expense to average assets | 3.5070% | 1,468 |
| Loan and lease loss provision to assets | 0.2607% | 854 |
| Net operating income to assets | 4.7655% | 45 |
| Return on assets (ROA) | 4.7655% | 44 |
| Pretax return on assets | 4.7655% | 57 |
| Return on Equity (ROE) | 37.7170% | 26 |
| Retained earnings to average equity (ytd only) | 31.5604% | 22 |
| Net charge-offs to loans | 0.0766% | 3,389 |
| Credit loss provision to net charge-offs | 731.7073% | 370 |
| Earnings coverage of net charge-offs (x) | 141.0488% | 383 |
| Efficiency ratio | 40.8433% | 6,381 |
| Assets per employee ($millions) | 5.3074% | 1,948 |
| Cash dividends to net income (ytd only)* | 16.3232% | 3,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2781% | 110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 41.8623% | 5,631 |
| Net loans and leases to deposits | 46.0334% | 5,794 |
| Net loans and leases to core deposits | 46.0334% | 5,891 |
| Total domestic deposits to total assets | 90.9391% | 391 |
| Equity capital to assets | 8.9366% | 5,355 |
| Core capital (leverage) ratio | 7.5877% | 6,177 |
| Tier 1 risk-based capital ratio | 17.4478% | 2,336 |
| Total risk-based capital ratio | 21.1006% | 1,599 |
| Memoranda: |
| Average total assets | $115,056,400 | 4,275 |
| Average earning assets | $110,402,400 | 4,172 |
| Average equity | $14,537,200 | 3,929 |
| Average total loans | $53,502,800 | 4,708 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6372% | 5,044 |
| Cost of funding earning assets | 0.1263% | 6,300 |
| Net interest margin | 3.5109% | 3,787 |
| Noninterest income to average assets | 6.3125% | 100 |
| Noninterest expense to average assets | 3.6266% | 1,247 |
| Loan and lease loss provision to assets | 0.3064% | 631 |
| Net operating income to assets | 5.7590% | 37 |
| Return on assets (ROA) | 5.7590% | 35 |
| Pretax return on assets | 5.7590% | 48 |
| Return on Equity (ROE) | 44.2635% | 21 |
| Retained earnings to average equity (ytd only) | 37.2382% | 17 |
| Net charge-offs to loans | 0.0895% | 2,934 |
| Credit loss provision to net charge-offs | 731.7073% | 420 |
| Earnings coverage of net charge-offs (x) | 144.8412% | 427 |
| Efficiency ratio | 37.1549% | 6,494 |
| Assets per employee ($millions) | 5.7988% | 1,489 |
| Cash dividends to net income (ytd only)* | 15.8716% | 3,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6141% | 212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.6698% | 5,408 |
| Net loans and leases to deposits | 71.0076% | 3,797 |
| Net loans and leases to core deposits | 71.0076% | 4,243 |
| Total domestic deposits to total assets | 64.3168% | 6,430 |
| Equity capital to assets | 35.4849% | 56 |
| Core capital (leverage) ratio | 13.9572% | 855 |
| Tier 1 risk-based capital ratio | 63.8621% | 83 |
| Total risk-based capital ratio | 66.9439% | 76 |
| Memoranda: |
| Average total assets | $130,552,000 | 3,995 |
| Average earning assets | $125,661,750 | 3,886 |
| Average equity | $16,985,750 | 3,547 |
| Average total loans | $61,075,750 | 4,495 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9425% | 6,227 |
| Cost of funding earning assets | 0.1190% | 6,417 |
| Net interest margin | 2.8235% | 5,857 |
| Noninterest income to average assets | 0.3516% | 4,615 |
| Noninterest expense to average assets | 1.7694% | 6,186 |
| Loan and lease loss provision to assets | 0.3877% | 439 |
| Net operating income to assets | 0.9241% | 2,684 |
| Return on assets (ROA) | 0.9241% | 2,785 |
| Pretax return on assets | 0.9241% | 3,787 |
| Return on Equity (ROE) | 9.0571% | 2,562 |
| Retained earnings to average equity (ytd only) | -2.2801% | 6,026 |
| Net charge-offs to loans | -0.0083% | 5,284 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7114% | 5,682 |
| Assets per employee ($millions) | 6.7407% | 903 |
| Cash dividends to net income (ytd only)* | 125.1748% | 342 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3840% | 3,433 |
| Loan loss allowance to noncurrent loans | 2,356.8182% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,127 |
| Noncurrent loans to loans | 0.0587% | 5,861 |
| Net loans and leases to total assets | 47.6593% | 5,200 |
| Net loans and leases to deposits | 53.0671% | 5,418 |
| Net loans and leases to core deposits | 53.9686% | 5,552 |
| Total domestic deposits to total assets | 89.8095% | 901 |
| Equity capital to assets | 10.0880% | 3,993 |
| Core capital (leverage) ratio | 9.0410% | 4,957 |
| Tier 1 risk-based capital ratio | 16.4919% | 2,833 |
| Total risk-based capital ratio | 17.7054% | 2,812 |
| Memoranda: |
| Average total assets | $154,740,000 | 3,612 |
| Average earning assets | $149,599,330 | 3,491 |
| Average equity | $15,788,670 | 3,724 |
| Average total loans | $72,275,670 | 4,156 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8921% | 6,335 |
| Cost of funding earning assets | 0.1178% | 6,503 |
| Net interest margin | 2.7743% | 5,984 |
| Noninterest income to average assets | 0.3648% | 4,474 |
| Noninterest expense to average assets | 1.7103% | 6,338 |
| Loan and lease loss provision to assets | 0.2587% | 820 |
| Net operating income to assets | 1.0764% | 1,909 |
| Return on assets (ROA) | 1.0764% | 1,975 |
| Pretax return on assets | 1.0764% | 3,010 |
| Return on Equity (ROE) | 10.4898% | 1,871 |
| Retained earnings to average equity (ytd only) | 3.0511% | 4,283 |
| Net charge-offs to loans | -0.0113% | 5,096 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3951% | 5,886 |
| Assets per employee ($millions) | 6.4779% | 1,030 |
| Cash dividends to net income (ytd only)* | 70.9135% | 1,137 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1871% | 4,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.7604% | 5,442 |
| Net loans and leases to deposits | 49.9082% | 5,605 |
| Net loans and leases to core deposits | 50.7549% | 5,708 |
| Total domestic deposits to total assets | 89.6855% | 1,253 |
| Equity capital to assets | 10.2457% | 3,546 |
| Core capital (leverage) ratio | 9.3885% | 4,437 |
| Tier 1 risk-based capital ratio | 20.0449% | 1,708 |
| Total risk-based capital ratio | 21.2108% | 1,702 |
| Memoranda: |
| Average total assets | $154,592,000 | 3,640 |
| Average earning assets | $149,370,000 | 3,519 |
| Average equity | $15,863,000 | 3,726 |
| Average total loans | $70,950,500 | 4,236 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1293% | 6,212 |
| Cost of funding earning assets | 0.1451% | 6,559 |
| Net interest margin | 2.9842% | 5,614 |
| Noninterest income to average assets | 0.3443% | 4,855 |
| Noninterest expense to average assets | 1.7945% | 6,328 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4295% | 969 |
| Return on assets (ROA) | 1.4295% | 1,006 |
| Pretax return on assets | 1.4295% | 1,686 |
| Return on Equity (ROE) | 14.1130% | 925 |
| Retained earnings to average equity (ytd only) | 6.7391% | 1,563 |
| Net charge-offs to loans | 0.0069% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 426.8000% | 97 |
| Efficiency ratio | 54.9346% | 6,056 |
| Assets per employee ($millions) | 6.4048% | 1,032 |
| Cash dividends to net income (ytd only)* | 52.2493% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0269% | 5,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.0218% | 5,483 |
| Net loans and leases to deposits | 51.3203% | 5,672 |
| Net loans and leases to core deposits | 52.2012% | 5,783 |
| Total domestic deposits to total assets | 89.6756% | 1,233 |
| Equity capital to assets | 10.2769% | 3,413 |
| Core capital (leverage) ratio | 9.0773% | 4,893 |
| Tier 1 risk-based capital ratio | 19.7095% | 1,729 |
| Total risk-based capital ratio | 20.7259% | 1,757 |
| Memoranda: |
| Average total assets | $149,287,800 | 3,717 |
| Average earning assets | $144,056,600 | 3,602 |
| Average equity | $15,120,800 | 3,842 |
| Average total loans | $72,570,800 | 4,177 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1289% | 6,287 |
| Cost of funding earning assets | 0.1473% | 6,648 |
| Net interest margin | 2.9817% | 5,635 |
| Noninterest income to average assets | 0.3536% | 4,868 |
| Noninterest expense to average assets | 1.7897% | 6,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4423% | 1,000 |
| Return on assets (ROA) | 1.4423% | 1,058 |
| Pretax return on assets | 1.4423% | 1,789 |
| Return on Equity (ROE) | 14.2945% | 930 |
| Retained earnings to average equity (ytd only) | 4.3517% | 3,579 |
| Net charge-offs to loans | 0.0037% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 800.4794% | 60 |
| Efficiency ratio | 54.6492% | 6,046 |
| Assets per employee ($millions) | 6.6112% | 888 |
| Cash dividends to net income (ytd only)* | 69.5571% | 1,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0094% | 5,673 |
| Loan loss allowance to noncurrent loans | 107.5912% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 5,078 |
| Noncurrent loans to loans | 0.9382% | 3,940 |
| Net loans and leases to total assets | 47.5335% | 5,397 |
| Net loans and leases to deposits | 52.9172% | 5,636 |
| Net loans and leases to core deposits | 53.8331% | 5,776 |
| Total domestic deposits to total assets | 89.8262% | 1,096 |
| Equity capital to assets | 10.0318% | 3,860 |
| Core capital (leverage) ratio | 9.1911% | 4,846 |
| Tier 1 risk-based capital ratio | 18.4661% | 2,156 |
| Total risk-based capital ratio | 19.4609% | 2,208 |
| Memoranda: |
| Average total assets | $148,181,250 | 3,774 |
| Average earning assets | $143,048,250 | 3,655 |
| Average equity | $14,951,750 | 3,924 |
| Average total loans | $72,844,500 | 4,199 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1052% | 6,338 |
| Cost of funding earning assets | 0.1480% | 6,719 |
| Net interest margin | 2.9572% | 5,678 |
| Noninterest income to average assets | 0.3526% | 4,863 |
| Noninterest expense to average assets | 1.8368% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3725% | 1,134 |
| Return on assets (ROA) | 1.3725% | 1,218 |
| Pretax return on assets | 1.3725% | 2,029 |
| Return on Equity (ROE) | 13.5748% | 1,112 |
| Retained earnings to average equity (ytd only) | 2.8012% | 4,534 |
| Net charge-offs to loans | 0.0055% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 504.0000% | 88 |
| Efficiency ratio | 56.5125% | 5,900 |
| Assets per employee ($millions) | 5.9196% | 1,262 |
| Cash dividends to net income (ytd only)* | 79.3651% | 919 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9829% | 5,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 52.2580% | 4,823 |
| Net loans and leases to deposits | 58.5568% | 5,112 |
| Net loans and leases to core deposits | 59.5273% | 5,303 |
| Total domestic deposits to total assets | 89.2433% | 1,484 |
| Equity capital to assets | 10.5314% | 3,258 |
| Core capital (leverage) ratio | 9.3935% | 4,398 |
| Tier 1 risk-based capital ratio | 17.7489% | 2,414 |
| Total risk-based capital ratio | 18.7265% | 2,491 |
| Memoranda: |
| Average total assets | $146,889,330 | 3,821 |
| Average earning assets | $141,889,330 | 3,696 |
| Average equity | $14,851,000 | 3,975 |
| Average total loans | $72,787,670 | 4,218 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0092% | 6,507 |
| Cost of funding earning assets | 0.1524% | 6,792 |
| Net interest margin | 2.8568% | 5,895 |
| Noninterest income to average assets | 0.3456% | 4,918 |
| Noninterest expense to average assets | 1.7709% | 6,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3369% | 1,188 |
| Return on assets (ROA) | 1.3369% | 1,284 |
| Pretax return on assets | 1.3369% | 2,092 |
| Return on Equity (ROE) | 13.4906% | 1,057 |
| Retained earnings to average equity (ytd only) | 3.0820% | 4,433 |
| Net charge-offs to loans | 0.0112% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 154 |
| Efficiency ratio | 56.2931% | 6,033 |
| Assets per employee ($millions) | 6.4924% | 985 |
| Cash dividends to net income (ytd only)* | 77.1543% | 937 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0301% | 5,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 47.4211% | 5,290 |
| Net loans and leases to deposits | 52.7719% | 5,546 |
| Net loans and leases to core deposits | 53.5975% | 5,699 |
| Total domestic deposits to total assets | 89.8604% | 1,130 |
| Equity capital to assets | 9.9500% | 4,213 |
| Core capital (leverage) ratio | 8.8253% | 5,145 |
| Tier 1 risk-based capital ratio | 18.4210% | 2,220 |
| Total risk-based capital ratio | 19.4443% | 2,256 |
| Memoranda: |
| Average total assets | $149,299,000 | 3,824 |
| Average earning assets | $144,359,500 | 3,691 |
| Average equity | $14,795,500 | 4,037 |
| Average total loans | $71,691,500 | 4,281 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4002% | 6,485 |
| Cost of funding earning assets | 0.2006% | 6,835 |
| Net interest margin | 3.1997% | 5,568 |
| Noninterest income to average assets | 0.3737% | 4,806 |
| Noninterest expense to average assets | 1.7349% | 6,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7202% | 593 |
| Return on assets (ROA) | 1.7202% | 666 |
| Pretax return on assets | 1.7202% | 1,091 |
| Return on Equity (ROE) | 17.7876% | 461 |
| Retained earnings to average equity (ytd only) | 11.7089% | 352 |
| Net charge-offs to loans | -0.0028% | 6,347 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5037% | 6,626 |
| Assets per employee ($millions) | 6.4901% | 1,010 |
| Cash dividends to net income (ytd only)* | 34.1741% | 3,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0288% | 5,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 47.6278% | 5,451 |
| Net loans and leases to deposits | 54.4230% | 5,612 |
| Net loans and leases to core deposits | 55.2980% | 5,772 |
| Total domestic deposits to total assets | 87.5141% | 2,518 |
| Equity capital to assets | 9.8699% | 4,354 |
| Core capital (leverage) ratio | 7.9198% | 6,268 |
| Tier 1 risk-based capital ratio | 18.1523% | 2,204 |
| Total risk-based capital ratio | 19.1737% | 2,254 |
| Memoranda: |
| Average total assets | $142,886,800 | 3,898 |
| Average earning assets | $137,607,800 | 3,763 |
| Average equity | $13,818,600 | 4,199 |
| Average total loans | $71,982,000 | 4,281 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4350% | 6,581 |
| Cost of funding earning assets | 0.2011% | 6,950 |
| Net interest margin | 3.2339% | 5,600 |
| Noninterest income to average assets | 0.3935% | 4,683 |
| Noninterest expense to average assets | 1.7250% | 6,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7797% | 590 |
| Return on assets (ROA) | 1.7797% | 660 |
| Pretax return on assets | 1.7797% | 1,098 |
| Return on Equity (ROE) | 18.5033% | 444 |
| Retained earnings to average equity (ytd only) | 10.2622% | 844 |
| Net charge-offs to loans | -0.0037% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5191% | 6,688 |
| Assets per employee ($millions) | 6.7106% | 855 |
| Cash dividends to net income (ytd only)* | 44.5387% | 1,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9901% | 6,121 |
| Loan loss allowance to noncurrent loans | 1,679.5455% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 6,693 |
| Noncurrent loans to loans | 0.0590% | 6,468 |
| Net loans and leases to total assets | 50.0552% | 5,310 |
| Net loans and leases to deposits | 56.7808% | 5,557 |
| Net loans and leases to core deposits | 57.5400% | 5,762 |
| Total domestic deposits to total assets | 88.1551% | 1,953 |
| Equity capital to assets | 9.5846% | 5,091 |
| Core capital (leverage) ratio | 9.0080% | 5,056 |
| Tier 1 risk-based capital ratio | 16.5921% | 2,946 |
| Total risk-based capital ratio | 17.5698% | 3,066 |
| Memoranda: |
| Average total assets | $141,290,500 | 3,970 |
| Average earning assets | $135,931,000 | 3,832 |
| Average equity | $13,590,000 | 4,284 |
| Average total loans | $72,019,000 | 4,322 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4306% | 6,700 |
| Cost of funding earning assets | 0.2150% | 6,998 |
| Net interest margin | 3.2157% | 5,689 |
| Noninterest income to average assets | 0.4009% | 4,643 |
| Noninterest expense to average assets | 1.7963% | 6,753 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7000% | 671 |
| Return on assets (ROA) | 1.7000% | 754 |
| Pretax return on assets | 1.7000% | 1,255 |
| Return on Equity (ROE) | 17.6523% | 547 |
| Retained earnings to average equity (ytd only) | 8.1025% | 1,600 |
| Net charge-offs to loans | -0.0056% | 6,183 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6782% | 6,598 |
| Assets per employee ($millions) | 6.4841% | 966 |
| Cash dividends to net income (ytd only)* | 54.0997% | 1,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0043% | 6,140 |
| Loan loss allowance to noncurrent loans | 1,679.5455% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,754 |
| Noncurrent loans to loans | 0.0598% | 6,527 |
| Net loans and leases to total assets | 53.4972% | 4,879 |
| Net loans and leases to deposits | 61.1593% | 5,106 |
| Net loans and leases to core deposits | 61.9162% | 5,398 |
| Total domestic deposits to total assets | 87.4719% | 2,487 |
| Equity capital to assets | 10.0150% | 4,310 |
| Core capital (leverage) ratio | 8.5764% | 5,547 |
| Tier 1 risk-based capital ratio | 16.1074% | 3,122 |
| Total risk-based capital ratio | 17.0978% | 3,215 |
| Memoranda: |
| Average total assets | $139,176,330 | 4,026 |
| Average earning assets | $133,969,670 | 3,887 |
| Average equity | $13,403,330 | 4,320 |
| Average total loans | $71,146,330 | 4,385 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3435% | 6,862 |
| Cost of funding earning assets | 0.2302% | 7,054 |
| Net interest margin | 3.1133% | 6,004 |
| Noninterest income to average assets | 0.3838% | 4,798 |
| Noninterest expense to average assets | 1.6747% | 6,921 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7088% | 704 |
| Return on assets (ROA) | 1.7088% | 785 |
| Pretax return on assets | 1.7088% | 1,279 |
| Return on Equity (ROE) | 18.0936% | 537 |
| Retained earnings to average equity (ytd only) | 12.5240% | 746 |
| Net charge-offs to loans | -0.0114% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7395% | 6,753 |
| Assets per employee ($millions) | 6.4038% | 1,036 |
| Cash dividends to net income (ytd only)* | 30.7820% | 2,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0383% | 6,123 |
| Loan loss allowance to noncurrent loans | 1,679.5455% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 6,832 |
| Noncurrent loans to loans | 0.0618% | 6,598 |
| Net loans and leases to total assets | 47.8202% | 5,578 |
| Net loans and leases to deposits | 55.5570% | 5,654 |
| Net loans and leases to core deposits | 56.2025% | 5,888 |
| Total domestic deposits to total assets | 86.0741% | 3,489 |
| Equity capital to assets | 9.1651% | 5,275 |
| Core capital (leverage) ratio | 8.3496% | 5,811 |
| Tier 1 risk-based capital ratio | 16.4546% | 2,928 |
| Total risk-based capital ratio | 17.4790% | 3,015 |
| Memoranda: |
| Average total assets | $140,681,500 | 4,018 |
| Average earning assets | $135,546,000 | 3,893 |
| Average equity | $13,286,500 | 4,353 |
| Average total loans | $69,927,500 | 4,453 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7224% | 6,820 |
| Cost of funding earning assets | 0.3792% | 6,947 |
| Net interest margin | 3.3432% | 5,670 |
| Noninterest income to average assets | 0.3568% | 4,957 |
| Noninterest expense to average assets | 1.9925% | 6,686 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5607% | 731 |
| Return on assets (ROA) | 1.5533% | 798 |
| Pretax return on assets | 1.5533% | 1,331 |
| Return on Equity (ROE) | 15.1818% | 715 |
| Retained earnings to average equity (ytd only) | 6.9667% | 1,520 |
| Net charge-offs to loans | 0.0016% | 6,431 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1,894.0000% | 7 |
| Efficiency ratio | 55.2644% | 6,393 |
| Assets per employee ($millions) | 5.8294% | 1,348 |
| Cash dividends to net income (ytd only)* | 54.1114% | 1,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0730% | 5,914 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 6,888 |
| Noncurrent loans to loans | 0.0641% | 6,656 |
| Net loans and leases to total assets | 50.6772% | 5,506 |
| Net loans and leases to deposits | 59.7585% | 5,516 |
| Net loans and leases to core deposits | 60.5337% | 5,793 |
| Total domestic deposits to total assets | 84.8034% | 3,958 |
| Equity capital to assets | 9.7512% | 4,509 |
| Core capital (leverage) ratio | 8.5702% | 5,445 |
| Tier 1 risk-based capital ratio | 16.4964% | 2,824 |
| Total risk-based capital ratio | 17.5597% | 2,872 |
| Memoranda: |
| Average total assets | $121,356,400 | 4,363 |
| Average earning assets | $116,027,200 | 4,238 |
| Average equity | $12,416,200 | 4,454 |
| Average total loans | $63,462,400 | 4,726 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7564% | 6,883 |
| Cost of funding earning assets | 0.4090% | 6,996 |
| Net interest margin | 3.3474% | 5,730 |
| Noninterest income to average assets | 0.3486% | 5,068 |
| Noninterest expense to average assets | 2.0274% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5163% | 901 |
| Return on assets (ROA) | 1.5163% | 980 |
| Pretax return on assets | 1.5163% | 1,605 |
| Return on Equity (ROE) | 14.6262% | 913 |
| Retained earnings to average equity (ytd only) | 3.5259% | 4,231 |
| Net charge-offs to loans | -0.0021% | 6,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3833% | 6,228 |
| Assets per employee ($millions) | 5.7803% | 1,369 |
| Cash dividends to net income (ytd only)* | 75.8929% | 705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1086% | 5,855 |
| Loan loss allowance to noncurrent loans | 1,606.5217% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,965 |
| Noncurrent loans to loans | 0.0690% | 6,755 |
| Net loans and leases to total assets | 51.8366% | 5,469 |
| Net loans and leases to deposits | 60.4884% | 5,582 |
| Net loans and leases to core deposits | 61.3075% | 5,878 |
| Total domestic deposits to total assets | 85.6968% | 3,389 |
| Equity capital to assets | 9.8477% | 4,558 |
| Core capital (leverage) ratio | 9.2802% | 4,483 |
| Tier 1 risk-based capital ratio | 15.9934% | 3,123 |
| Total risk-based capital ratio | 17.0802% | 3,162 |
| Memoranda: |
| Average total assets | $118,176,500 | 4,479 |
| Average earning assets | $112,799,750 | 4,338 |
| Average equity | $12,251,750 | 4,499 |
| Average total loans | $62,157,250 | 4,827 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7754% | 6,945 |
| Cost of funding earning assets | 0.4387% | 7,043 |
| Net interest margin | 3.3367% | 5,753 |
| Noninterest income to average assets | 0.3282% | 5,268 |
| Noninterest expense to average assets | 2.0646% | 6,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4464% | 987 |
| Return on assets (ROA) | 1.4464% | 1,046 |
| Pretax return on assets | 1.4464% | 1,678 |
| Return on Equity (ROE) | 13.6992% | 1,047 |
| Retained earnings to average equity (ytd only) | -0.1151% | 5,860 |
| Net charge-offs to loans | -0.0033% | 6,553 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9624% | 6,165 |
| Assets per employee ($millions) | 4.7899% | 2,419 |
| Cash dividends to net income (ytd only)* | 100.8403% | 459 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1505% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.2328% | 5,116 |
| Net loans and leases to deposits | 65.5490% | 5,065 |
| Net loans and leases to core deposits | 66.5360% | 5,441 |
| Total domestic deposits to total assets | 84.2619% | 4,233 |
| Equity capital to assets | 10.5970% | 3,382 |
| Core capital (leverage) ratio | 9.1340% | 4,515 |
| Tier 1 risk-based capital ratio | 16.1218% | 2,918 |
| Total risk-based capital ratio | 17.2540% | 2,940 |
| Memoranda: |
| Average total assets | $115,179,670 | 4,580 |
| Average earning assets | $109,870,000 | 4,451 |
| Average equity | $12,161,330 | 4,515 |
| Average total loans | $60,657,000 | 4,930 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7528% | 7,012 |
| Cost of funding earning assets | 0.4541% | 7,106 |
| Net interest margin | 3.2987% | 5,781 |
| Noninterest income to average assets | 0.3400% | 5,189 |
| Noninterest expense to average assets | 2.1164% | 6,596 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3739% | 1,109 |
| Return on assets (ROA) | 1.3739% | 1,159 |
| Pretax return on assets | 1.3739% | 1,799 |
| Return on Equity (ROE) | 13.0360% | 1,184 |
| Retained earnings to average equity (ytd only) | -1.4484% | 6,062 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7416% | 6,020 |
| Assets per employee ($millions) | 4.8225% | 2,387 |
| Cash dividends to net income (ytd only)* | 111.1111% | 521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2597% | 5,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.9814% | 5,852 |
| Net loans and leases to deposits | 58.9550% | 5,834 |
| Net loans and leases to core deposits | 59.8312% | 6,106 |
| Total domestic deposits to total assets | 84.7789% | 4,134 |
| Equity capital to assets | 10.4846% | 3,192 |
| Core capital (leverage) ratio | 9.2252% | 4,251 |
| Tier 1 risk-based capital ratio | 17.4218% | 2,333 |
| Total risk-based capital ratio | 18.6503% | 2,309 |
| Memoranda: |
| Average total assets | $115,291,000 | 4,609 |
| Average earning assets | $110,103,000 | 4,468 |
| Average equity | $12,151,000 | 4,514 |
| Average total loans | $58,869,000 | 5,058 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2289% | 6,887 |
| Cost of funding earning assets | 0.7717% | 6,677 |
| Net interest margin | 3.4572% | 5,405 |
| Noninterest income to average assets | 0.6217% | 3,331 |
| Noninterest expense to average assets | 2.4298% | 6,015 |
| Loan and lease loss provision to assets | 0.0494% | 6,659 |
| Net operating income to assets | 1.4204% | 903 |
| Return on assets (ROA) | 1.4204% | 974 |
| Pretax return on assets | 1.4204% | 1,595 |
| Return on Equity (ROE) | 13.2982% | 1,024 |
| Retained earnings to average equity (ytd only) | 10.2616% | 470 |
| Net charge-offs to loans | 0.0164% | 6,658 |
| Credit loss provision to net charge-offs | 530.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 157.7000% | 158 |
| Efficiency ratio | 61.4723% | 5,816 |
| Assets per employee ($millions) | 4.7850% | 2,437 |
| Cash dividends to net income (ytd only)* | 22.8346% | 3,348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2493% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 50.8634% | 6,057 |
| Net loans and leases to deposits | 60.4911% | 6,000 |
| Net loans and leases to core deposits | 61.6381% | 6,262 |
| Total domestic deposits to total assets | 84.0841% | 4,319 |
| Equity capital to assets | 10.5946% | 3,069 |
| Core capital (leverage) ratio | 9.1416% | 4,283 |
| Tier 1 risk-based capital ratio | 17.4250% | 2,200 |
| Total risk-based capital ratio | 18.6525% | 2,173 |
| Memoranda: |
| Average total assets | $107,292,200 | 4,791 |
| Average earning assets | $101,728,400 | 4,678 |
| Average equity | $11,460,200 | 4,746 |
| Average total loans | $61,050,800 | 5,026 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3339% | 6,919 |
| Cost of funding earning assets | 0.8302% | 6,652 |
| Net interest margin | 3.5038% | 5,275 |
| Noninterest income to average assets | 0.4351% | 4,674 |
| Noninterest expense to average assets | 2.4274% | 5,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3231% | 1,297 |
| Return on assets (ROA) | 1.3231% | 1,369 |
| Pretax return on assets | 1.3231% | 2,113 |
| Return on Equity (ROE) | 12.3599% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.2478% | 1,333 |
| Net charge-offs to loans | 0.0195% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 116.2192% | 274 |
| Efficiency ratio | 63.8449% | 5,271 |
| Assets per employee ($millions) | 4.5391% | 2,852 |
| Cash dividends to net income (ytd only)* | 33.2698% | 2,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1436% | 5,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.5149% | 5,769 |
| Net loans and leases to deposits | 64.0737% | 5,907 |
| Net loans and leases to core deposits | 65.8908% | 6,132 |
| Total domestic deposits to total assets | 85.0816% | 3,583 |
| Equity capital to assets | 10.6886% | 3,296 |
| Core capital (leverage) ratio | 9.3774% | 4,090 |
| Tier 1 risk-based capital ratio | 16.1748% | 2,688 |
| Total risk-based capital ratio | 17.2907% | 2,694 |
| Memoranda: |
| Average total assets | $105,405,000 | 4,900 |
| Average earning assets | $99,737,500 | 4,789 |
| Average equity | $11,283,500 | 4,859 |
| Average total loans | $61,525,750 | 5,078 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3770% | 6,945 |
| Cost of funding earning assets | 0.8559% | 6,738 |
| Net interest margin | 3.5211% | 5,157 |
| Noninterest income to average assets | 0.4260% | 4,706 |
| Noninterest expense to average assets | 2.4600% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2972% | 1,316 |
| Return on assets (ROA) | 1.2972% | 1,377 |
| Pretax return on assets | 1.2972% | 2,095 |
| Return on Equity (ROE) | 12.1111% | 1,423 |
| Retained earnings to average equity (ytd only) | 7.7217% | 1,539 |
| Net charge-offs to loans | 0.0419% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 572 |
| Efficiency ratio | 64.6067% | 5,227 |
| Assets per employee ($millions) | 4.4115% | 3,035 |
| Cash dividends to net income (ytd only)* | 36.2426% | 2,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0961% | 5,958 |
| Loan loss allowance to noncurrent loans | 2,276.6667% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,330 |
| Noncurrent loans to loans | 0.0481% | 7,194 |
| Net loans and leases to total assets | 58.2081% | 5,380 |
| Net loans and leases to deposits | 69.1948% | 5,391 |
| Net loans and leases to core deposits | 71.5875% | 5,718 |
| Total domestic deposits to total assets | 84.1221% | 4,052 |
| Equity capital to assets | 10.7427% | 3,134 |
| Core capital (leverage) ratio | 9.4127% | 3,943 |
| Tier 1 risk-based capital ratio | 15.1903% | 3,064 |
| Total risk-based capital ratio | 16.2619% | 3,116 |
| Memoranda: |
| Average total assets | $104,227,000 | 4,963 |
| Average earning assets | $98,606,330 | 4,855 |
| Average equity | $11,163,330 | 4,889 |
| Average total loans | $62,009,330 | 5,102 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3792% | 7,028 |
| Cost of funding earning assets | 0.8799% | 6,843 |
| Net interest margin | 3.4992% | 5,161 |
| Noninterest income to average assets | 0.4565% | 4,410 |
| Noninterest expense to average assets | 2.6924% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0715% | 1,926 |
| Return on assets (ROA) | 1.0715% | 1,998 |
| Pretax return on assets | 1.0715% | 2,832 |
| Return on Equity (ROE) | 10.0199% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.5730% | 1,515 |
| Net charge-offs to loans | 0.0388% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 46.1667% | 604 |
| Efficiency ratio | 70.6064% | 4,192 |
| Assets per employee ($millions) | 4.3333% | 3,236 |
| Cash dividends to net income (ytd only)* | 14.4404% | 2,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1062% | 5,979 |
| Loan loss allowance to noncurrent loans | 292.3729% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 6,893 |
| Noncurrent loans to loans | 0.3783% | 6,531 |
| Net loans and leases to total assets | 59.3156% | 5,241 |
| Net loans and leases to deposits | 70.3611% | 5,292 |
| Net loans and leases to core deposits | 72.6199% | 5,648 |
| Total domestic deposits to total assets | 84.3016% | 3,997 |
| Equity capital to assets | 10.7473% | 3,008 |
| Core capital (leverage) ratio | 9.4224% | 3,887 |
| Tier 1 risk-based capital ratio | 14.8932% | 3,156 |
| Total risk-based capital ratio | 15.9773% | 3,205 |
| Memoranda: |
| Average total assets | $103,402,000 | 5,047 |
| Average earning assets | $97,735,500 | 4,936 |
| Average equity | $11,058,000 | 4,962 |
| Average total loans | $61,858,000 | 5,188 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7622% | 7,021 |
| Cost of funding earning assets | 1.1090% | 6,947 |
| Net interest margin | 3.6532% | 4,341 |
| Noninterest income to average assets | 0.4930% | 4,471 |
| Noninterest expense to average assets | 2.8736% | 4,640 |
| Loan and lease loss provision to assets | -0.0039% | 7,954 |
| Net operating income to assets | 1.0612% | 1,624 |
| Return on assets (ROA) | 1.0612% | 1,668 |
| Pretax return on assets | 1.0612% | 2,375 |
| Return on Equity (ROE) | 10.2848% | 1,610 |
| Retained earnings to average equity (ytd only) | 6.2562% | 1,247 |
| Net charge-offs to loans | -0.0130% | 7,764 |
| Credit loss provision to net charge-offs | 50.0000% | 6,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2319% | 4,229 |
| Assets per employee ($millions) | 4.8955% | 2,347 |
| Cash dividends to net income (ytd only)* | 39.1705% | 2,967 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1347% | 5,724 |
| Loan loss allowance to noncurrent loans | 424.3902% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 7,077 |
| Noncurrent loans to loans | 0.2674% | 6,757 |
| Net loans and leases to total assets | 58.9878% | 5,490 |
| Net loans and leases to deposits | 70.0549% | 5,597 |
| Net loans and leases to core deposits | 80.2602% | 6,065 |
| Total domestic deposits to total assets | 84.2023% | 3,940 |
| Equity capital to assets | 10.6404% | 3,034 |
| Core capital (leverage) ratio | 9.0098% | 4,398 |
| Tier 1 risk-based capital ratio | 14.6374% | 3,137 |
| Total risk-based capital ratio | 15.7407% | 3,165 |
| Memoranda: |
| Average total assets | $102,241,600 | 5,032 |
| Average earning assets | $96,216,600 | 4,942 |
| Average equity | $10,549,600 | 5,141 |
| Average total loans | $61,486,600 | 5,192 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7055% | 7,276 |
| Cost of funding earning assets | 1.1469% | 7,047 |
| Net interest margin | 3.5586% | 4,643 |
| Noninterest income to average assets | 0.4518% | 4,890 |
| Noninterest expense to average assets | 2.5334% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2654% | 1,301 |
| Return on assets (ROA) | 1.2654% | 1,371 |
| Pretax return on assets | 1.2654% | 2,061 |
| Return on Equity (ROE) | 12.3607% | 1,278 |
| Retained earnings to average equity (ytd only) | 7.0669% | 1,476 |
| Net charge-offs to loans | -0.0087% | 7,670 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7958% | 5,403 |
| Assets per employee ($millions) | 4.8538% | 2,328 |
| Cash dividends to net income (ytd only)* | 42.8276% | 2,325 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1025% | 5,710 |
| Loan loss allowance to noncurrent loans | 402.3121% | 771 |
| Noncurrent assets plus other real estate owned to assets | 1.1989% | 4,676 |
| Noncurrent loans to loans | 0.2740% | 6,827 |
| Net loans and leases to total assets | 61.2524% | 5,366 |
| Net loans and leases to deposits | 72.0090% | 5,653 |
| Net loans and leases to core deposits | 82.3049% | 6,163 |
| Total domestic deposits to total assets | 85.0622% | 3,203 |
| Equity capital to assets | 10.5063% | 3,504 |
| Core capital (leverage) ratio | 9.0792% | 4,529 |
| Tier 1 risk-based capital ratio | 12.7953% | 4,325 |
| Total risk-based capital ratio | 13.7865% | 4,466 |
| Memoranda: |
| Average total assets | $102,100,500 | 5,067 |
| Average earning assets | $96,027,750 | 4,979 |
| Average equity | $10,452,250 | 5,220 |
| Average total loans | $61,523,500 | 5,222 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6033% | 7,529 |
| Cost of funding earning assets | 1.1752% | 7,179 |
| Net interest margin | 3.4281% | 5,069 |
| Noninterest income to average assets | 0.4385% | 4,946 |
| Noninterest expense to average assets | 2.5412% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1296% | 1,667 |
| Return on assets (ROA) | 1.1296% | 1,748 |
| Pretax return on assets | 1.1296% | 2,538 |
| Return on Equity (ROE) | 11.1318% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.3440% | 2,328 |
| Net charge-offs to loans | -0.0131% | 7,643 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3200% | 5,100 |
| Assets per employee ($millions) | 4.2105% | 3,279 |
| Cash dividends to net income (ytd only)* | 51.9931% | 1,962 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1207% | 5,452 |
| Loan loss allowance to noncurrent loans | 393.2203% | 804 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 4,464 |
| Noncurrent loans to loans | 0.2850% | 6,802 |
| Net loans and leases to total assets | 60.7671% | 5,557 |
| Net loans and leases to deposits | 72.0993% | 5,721 |
| Net loans and leases to core deposits | 82.8693% | 6,171 |
| Total domestic deposits to total assets | 84.2825% | 3,607 |
| Equity capital to assets | 10.3312% | 3,592 |
| Core capital (leverage) ratio | 8.6065% | 5,254 |
| Tier 1 risk-based capital ratio | 12.4374% | 4,568 |
| Total risk-based capital ratio | 13.4327% | 4,680 |
| Memoranda: |
| Average total assets | $102,157,670 | 5,094 |
| Average earning assets | $96,322,000 | 4,999 |
| Average equity | $10,366,670 | 5,262 |
| Average total loans | $60,988,000 | 5,290 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6600% | 7,563 |
| Cost of funding earning assets | 1.1938% | 7,310 |
| Net interest margin | 3.4662% | 4,870 |
| Noninterest income to average assets | 0.4673% | 4,614 |
| Noninterest expense to average assets | 2.5353% | 5,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2112% | 1,626 |
| Return on assets (ROA) | 1.2112% | 1,739 |
| Pretax return on assets | 1.2112% | 2,590 |
| Return on Equity (ROE) | 12.0426% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.2682% | 928 |
| Net charge-offs to loans | -0.0132% | 7,342 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7360% | 5,190 |
| Assets per employee ($millions) | 4.3610% | 2,955 |
| Cash dividends to net income (ytd only)* | 6.4309% | 2,763 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1399% | 5,184 |
| Loan loss allowance to noncurrent loans | 431.0559% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 7,102 |
| Noncurrent loans to loans | 0.2645% | 6,776 |
| Net loans and leases to total assets | 57.5035% | 6,023 |
| Net loans and leases to deposits | 67.6354% | 6,218 |
| Net loans and leases to core deposits | 77.2556% | 6,592 |
| Total domestic deposits to total assets | 85.0198% | 3,193 |
| Equity capital to assets | 9.9919% | 4,013 |
| Core capital (leverage) ratio | 8.8450% | 4,917 |
| Tier 1 risk-based capital ratio | 12.8784% | 4,273 |
| Total risk-based capital ratio | 13.9052% | 4,351 |
| Memoranda: |
| Average total assets | $102,710,000 | 5,106 |
| Average earning assets | $97,166,500 | 5,000 |
| Average equity | $10,330,000 | 5,286 |
| Average total loans | $60,430,500 | 5,347 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9922% | 5,578 |
| Cost of funding earning assets | 1.6614% | 7,337 |
| Net interest margin | 4.3309% | 1,882 |
| Noninterest income to average assets | 0.4920% | 4,668 |
| Noninterest expense to average assets | 2.4440% | 6,240 |
| Loan and lease loss provision to assets | 0.1325% | 5,668 |
| Net operating income to assets | 1.8773% | 458 |
| Return on assets (ROA) | 1.8773% | 443 |
| Pretax return on assets | 1.8773% | 803 |
| Return on Equity (ROE) | 18.8229% | 462 |
| Retained earnings to average equity (ytd only) | 3.6348% | 2,888 |
| Net charge-offs to loans | 0.0527% | 6,033 |
| Credit loss provision to net charge-offs | 415.6250% | 1,050 |
| Earnings coverage of net charge-offs (x) | 63.0625% | 640 |
| Efficiency ratio | 54.0921% | 7,255 |
| Assets per employee ($millions) | 4.1981% | 3,120 |
| Cash dividends to net income (ytd only)* | 80.6897% | 1,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1537% | 4,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.8447% | 6,082 |
| Net loans and leases to deposits | 69.5644% | 6,321 |
| Net loans and leases to core deposits | 78.8449% | 6,700 |
| Total domestic deposits to total assets | 84.5903% | 3,032 |
| Equity capital to assets | 10.1256% | 3,890 |
| Core capital (leverage) ratio | 8.5097% | 5,567 |
| Tier 1 risk-based capital ratio | 12.5929% | 4,377 |
| Total risk-based capital ratio | 13.6300% | 4,421 |
| Memoranda: |
| Average total assets | $100,410,600 | 5,033 |
| Average earning assets | $91,852,400 | 5,034 |
| Average equity | $10,014,400 | 5,406 |
| Average total loans | $60,753,400 | 5,232 |
