Home > Bank of Billings > Performance and Condition Ratios
Bank of Billings, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3488% | 228 |
| Cost of funding earning assets | 1.8908% | 2,215 |
| Net interest margin | 5.4580% | 167 |
| Noninterest income to average assets | 0.3300% | 2,671 |
| Noninterest expense to average assets | 3.4610% | 620 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.1451% | 1,870 |
| Return on assets (ROA) | 1.1451% | 1,870 |
| Pretax return on assets | 1.5110% | 1,486 |
| Return on Equity (ROE) | 8.9900% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.9872% | 1,439 |
| Net charge-offs to loans | -0.0114% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.7179% | 1,960 |
| Assets per employee ($millions) | 3.8444% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 3,673 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 2,041 |
| Noncurrent loans to loans | 0.4185% | 2,067 |
| Net loans and leases to total assets | 73.9300% | 1,343 |
| Net loans and leases to deposits | 85.2462% | 1,568 |
| Net loans and leases to core deposits | 90.5796% | 2,013 |
| Total domestic deposits to total assets | 86.7300% | 2,030 |
| Equity capital to assets | 12.4555% | 1,065 |
| Core capital (leverage) ratio | 10.0671% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $92,920,000 | 3,837 |
| Average earning assets | $80,176,000 | 3,872 |
| Average equity | $11,839,000 | 3,625 |
| Average total loans | $70,073,500 | 3,588 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5470% | 228 |
| Cost of funding earning assets | 1.5151% | 3,329 |
| Net interest margin | 6.0318% | 108 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 4.0773% | 360 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 0.9904% | 2,088 |
| Return on assets (ROA) | 0.9904% | 2,084 |
| Pretax return on assets | 1.3568% | 1,620 |
| Return on Equity (ROE) | 7.7600% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.7617% | 1,194 |
| Net charge-offs to loans | 0.3818% | 388 |
| Credit loss provision to net charge-offs | 42.5856% | 2,375 |
| Earnings coverage of net charge-offs (x) | 5.0837% | 2,609 |
| Efficiency ratio | 72.8858% | 1,675 |
| Assets per employee ($millions) | 3.7388% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 3,574 |
| Loan loss allowance to noncurrent loans | 174.2382% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 1,707 |
| Noncurrent loans to loans | 0.5273% | 1,758 |
| Net loans and leases to total assets | 75.6000% | 1,204 |
| Net loans and leases to deposits | 87.7023% | 1,428 |
| Net loans and leases to core deposits | 92.2462% | 1,956 |
| Total domestic deposits to total assets | 86.2000% | 2,159 |
| Equity capital to assets | 13.0469% | 880 |
| Core capital (leverage) ratio | 10.7188% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $88,146,200 | 3,884 |
| Average earning assets | $76,759,400 | 3,908 |
| Average equity | $11,247,600 | 3,660 |
| Average total loans | $68,890,800 | 3,589 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5426% | 232 |
| Cost of funding earning assets | 1.5203% | 3,316 |
| Net interest margin | 6.0223% | 112 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 4.2103% | 329 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 0.8600% | 2,507 |
| Return on assets (ROA) | 0.8600% | 2,526 |
| Pretax return on assets | 1.1776% | 2,049 |
| Return on Equity (ROE) | 6.7800% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.7786% | 1,816 |
| Net charge-offs to loans | 0.5140% | 262 |
| Credit loss provision to net charge-offs | 41.3534% | 2,105 |
| Earnings coverage of net charge-offs (x) | 3.3872% | 2,521 |
| Efficiency ratio | 75.4630% | 1,445 |
| Assets per employee ($millions) | 3.9622% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 3,599 |
| Loan loss allowance to noncurrent loans | 166.5775% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 1,590 |
| Noncurrent loans to loans | 0.5520% | 1,707 |
| Net loans and leases to total assets | 77.0100% | 996 |
| Net loans and leases to deposits | 89.2572% | 1,318 |
| Net loans and leases to core deposits | 93.9698% | 1,877 |
| Total domestic deposits to total assets | 86.2800% | 1,829 |
| Equity capital to assets | 13.0769% | 950 |
| Core capital (leverage) ratio | 10.0848% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $87,750,250 | 3,905 |
| Average earning assets | $77,088,750 | 3,921 |
| Average equity | $11,132,750 | 3,677 |
| Average total loans | $68,997,250 | 3,597 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4919% | 230 |
| Cost of funding earning assets | 1.4906% | 3,313 |
| Net interest margin | 6.0013% | 111 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 4.0480% | 357 |
| Loan and lease loss provision to assets | 0.2500% | 416 |
| Net operating income to assets | 0.8869% | 2,350 |
| Return on assets (ROA) | 0.8869% | 2,353 |
| Pretax return on assets | 1.1962% | 1,937 |
| Return on Equity (ROE) | 7.0600% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.0627% | 1,637 |
| Net charge-offs to loans | 0.7722% | 169 |
| Credit loss provision to net charge-offs | 32.0896% | 1,904 |
| Earnings coverage of net charge-offs (x) | 2.3731% | 2,407 |
| Efficiency ratio | 73.6755% | 1,674 |
| Assets per employee ($millions) | 4.4250% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 3,808 |
| Loan loss allowance to noncurrent loans | 235.8268% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 1,033 |
| Noncurrent loans to loans | 0.3639% | 2,101 |
| Net loans and leases to total assets | 78.2000% | 885 |
| Net loans and leases to deposits | 90.4618% | 1,267 |
| Net loans and leases to core deposits | 94.7872% | 1,811 |
| Total domestic deposits to total assets | 86.4500% | 1,829 |
| Equity capital to assets | 12.6815% | 959 |
| Core capital (leverage) ratio | 9.7685% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $87,944,000 | 3,918 |
| Average earning assets | $77,283,667 | 3,930 |
| Average equity | $11,044,000 | 3,676 |
| Average total loans | $69,411,000 | 3,590 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5043% | 224 |
| Cost of funding earning assets | 1.4531% | 3,308 |
| Net interest margin | 6.0512% | 114 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 3.8783% | 393 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 1.1042% | 1,650 |
| Return on assets (ROA) | 1.1042% | 1,659 |
| Pretax return on assets | 1.4601% | 1,328 |
| Return on Equity (ROE) | 8.8400% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.8366% | 1,355 |
| Net charge-offs to loans | 0.1098% | 682 |
| Credit loss provision to net charge-offs | 268.4211% | 703 |
| Earnings coverage of net charge-offs (x) | 20.6316% | 1,346 |
| Efficiency ratio | 68.4380% | 2,326 |
| Assets per employee ($millions) | 3.9799% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,515 |
| Loan loss allowance to noncurrent loans | 40.4679% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.8414% | 82 |
| Noncurrent loans to loans | 2.8558% | 183 |
| Net loans and leases to total assets | 75.9600% | 1,071 |
| Net loans and leases to deposits | 87.1015% | 1,442 |
| Net loans and leases to core deposits | 91.0739% | 1,965 |
| Total domestic deposits to total assets | 87.2100% | 1,703 |
| Equity capital to assets | 12.0988% | 1,096 |
| Core capital (leverage) ratio | 9.9045% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $87,666,500 | 3,936 |
| Average earning assets | $77,076,000 | 3,956 |
| Average equity | $10,954,500 | 3,692 |
| Average total loans | $69,214,000 | 3,597 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7315% | 283 |
| Cost of funding earning assets | 1.1884% | 2,830 |
| Net interest margin | 5.5430% | 176 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.5285% | 560 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3241% | 1,382 |
| Return on assets (ROA) | 1.3241% | 1,350 |
| Pretax return on assets | 1.7232% | 1,015 |
| Return on Equity (ROE) | 10.8700% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.5848% | 1,673 |
| Net charge-offs to loans | -0.0101% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.2991% | 2,313 |
| Assets per employee ($millions) | 3.8088% | 4,220 |
| Cash dividends to net income (ytd only)* | 30.2305% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,562 |
| Loan loss allowance to noncurrent loans | 68.2692% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3653% | 291 |
| Noncurrent loans to loans | 1.6804% | 374 |
| Net loans and leases to total assets | 80.3200% | 607 |
| Net loans and leases to deposits | 94.8301% | 879 |
| Net loans and leases to core deposits | 98.4134% | 1,524 |
| Total domestic deposits to total assets | 84.6900% | 2,410 |
| Equity capital to assets | 12.9281% | 872 |
| Core capital (leverage) ratio | 9.8598% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $85,191,800 | 3,968 |
| Average earning assets | $75,644,800 | 3,972 |
| Average equity | $10,376,000 | 3,678 |
| Average total loans | $69,446,600 | 3,560 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5919% | 282 |
| Cost of funding earning assets | 1.1475% | 2,598 |
| Net interest margin | 5.4443% | 192 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.4540% | 587 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3202% | 1,498 |
| Return on assets (ROA) | 1.3202% | 1,479 |
| Pretax return on assets | 1.7379% | 1,105 |
| Return on Equity (ROE) | 11.0000% | 2,375 |
| Retained earnings to average equity (ytd only) | 7.2760% | 2,205 |
| Net charge-offs to loans | 0.0420% | 1,283 |
| Credit loss provision to net charge-offs | 204.5455% | 1,102 |
| Earnings coverage of net charge-offs (x) | 52.7273% | 1,281 |
| Efficiency ratio | 65.6398% | 2,312 |
| Assets per employee ($millions) | 3.8781% | 4,209 |
| Cash dividends to net income (ytd only)* | 33.8843% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 2,967 |
| Loan loss allowance to noncurrent loans | 54.8435% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 232 |
| Noncurrent loans to loans | 1.9685% | 313 |
| Net loans and leases to total assets | 79.0400% | 752 |
| Net loans and leases to deposits | 90.9579% | 1,145 |
| Net loans and leases to core deposits | 94.2214% | 1,662 |
| Total domestic deposits to total assets | 86.9000% | 1,918 |
| Equity capital to assets | 12.4311% | 936 |
| Core capital (leverage) ratio | 9.2567% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $85,541,250 | 3,982 |
| Average earning assets | $76,334,750 | 3,983 |
| Average equity | $10,261,750 | 3,696 |
| Average total loans | $69,788,000 | 3,559 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4716% | 268 |
| Cost of funding earning assets | 1.1552% | 2,123 |
| Net interest margin | 5.3164% | 207 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 3.5578% | 501 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1423% | 1,997 |
| Return on assets (ROA) | 1.1423% | 1,990 |
| Pretax return on assets | 1.5044% | 1,593 |
| Return on Equity (ROE) | 9.6400% | 2,808 |
| Retained earnings to average equity (ytd only) | 5.0655% | 2,918 |
| Net charge-offs to loans | -0.0313% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.3218% | 1,830 |
| Assets per employee ($millions) | 3.6615% | 4,303 |
| Cash dividends to net income (ytd only)* | 47.4438% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,104 |
| Loan loss allowance to noncurrent loans | 92.9716% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 528 |
| Noncurrent loans to loans | 1.1481% | 616 |
| Net loans and leases to total assets | 79.5300% | 678 |
| Net loans and leases to deposits | 90.7223% | 1,124 |
| Net loans and leases to core deposits | 93.8458% | 1,574 |
| Total domestic deposits to total assets | 87.6600% | 1,721 |
| Equity capital to assets | 11.7243% | 1,124 |
| Core capital (leverage) ratio | 9.0331% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9947% | 2,628 |
| Memoranda: | ||
| Average total assets | $85,615,667 | 3,997 |
| Average earning assets | $76,178,667 | 4,001 |
| Average equity | $10,147,000 | 3,726 |
| Average total loans | $70,326,000 | 3,559 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3125% | 219 |
| Cost of funding earning assets | 1.2732% | 1,289 |
| Net interest margin | 5.0393% | 281 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.5604% | 502 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9374% | 2,726 |
| Return on assets (ROA) | 0.9374% | 2,682 |
| Pretax return on assets | 1.2357% | 2,341 |
| Return on Equity (ROE) | 7.8700% | 3,319 |
| Retained earnings to average equity (ytd only) | 1.8274% | 3,730 |
| Net charge-offs to loans | -0.0285% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.1518% | 1,421 |
| Assets per employee ($millions) | 3.4389% | 4,424 |
| Cash dividends to net income (ytd only)* | 76.7677% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,331 |
| Loan loss allowance to noncurrent loans | 245.1505% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 1,422 |
| Noncurrent loans to loans | 0.4252% | 1,660 |
| Net loans and leases to total assets | 84.3100% | 217 |
| Net loans and leases to deposits | 96.6698% | 618 |
| Net loans and leases to core deposits | 99.8107% | 1,096 |
| Total domestic deposits to total assets | 87.2100% | 2,184 |
| Equity capital to assets | 12.2277% | 936 |
| Core capital (leverage) ratio | 8.8760% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0360% | 2,720 |
| Memoranda: | ||
| Average total assets | $84,485,000 | 4,057 |
| Average earning assets | $74,772,500 | 4,071 |
| Average equity | $10,069,000 | 3,780 |
| Average total loans | $70,168,500 | 3,599 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 197 |
| Cost of funding earning assets | 0.3039% | 2,842 |
| Net interest margin | 4.9819% | 142 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.5147% | 482 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0102% | 2,528 |
| Return on assets (ROA) | 1.0102% | 2,481 |
| Pretax return on assets | 1.3222% | 2,013 |
| Return on Equity (ROE) | 8.5600% | 3,239 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,514 |
| Net charge-offs to loans | -0.0353% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.6025% | 1,484 |
| Assets per employee ($millions) | 3.6015% | 4,414 |
| Cash dividends to net income (ytd only)* | 57.2781% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,266 |
| Loan loss allowance to noncurrent loans | 216.0606% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 1,342 |
| Noncurrent loans to loans | 0.4713% | 1,521 |
| Net loans and leases to total assets | 80.1900% | 571 |
| Net loans and leases to deposits | 103.5235% | 318 |
| Net loans and leases to core deposits | 106.8494% | 717 |
| Total domestic deposits to total assets | 77.4600% | 4,131 |
| Equity capital to assets | 11.6225% | 1,042 |
| Core capital (leverage) ratio | 9.0184% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9783% | 2,742 |
| Memoranda: | ||
| Average total assets | $83,648,800 | 4,084 |
| Average earning assets | $74,690,800 | 4,101 |
| Average equity | $9,867,200 | 3,885 |
| Average total loans | $67,932,800 | 3,610 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 169 |
| Cost of funding earning assets | 0.2830% | 2,353 |
| Net interest margin | 4.8822% | 136 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.4236% | 514 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0399% | 2,323 |
| Return on assets (ROA) | 1.0399% | 2,287 |
| Pretax return on assets | 1.3630% | 1,839 |
| Return on Equity (ROE) | 8.7800% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.3572% | 3,334 |
| Net charge-offs to loans | -0.0178% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.4598% | 1,704 |
| Assets per employee ($millions) | 3.8233% | 4,389 |
| Cash dividends to net income (ytd only)* | 50.3864% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,386 |
| Loan loss allowance to noncurrent loans | 310.4545% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 1,913 |
| Noncurrent loans to loans | 0.3283% | 2,055 |
| Net loans and leases to total assets | 78.8700% | 626 |
| Net loans and leases to deposits | 90.1762% | 882 |
| Net loans and leases to core deposits | 92.8026% | 1,150 |
| Total domestic deposits to total assets | 87.4600% | 2,609 |
| Equity capital to assets | 11.8949% | 906 |
| Core capital (leverage) ratio | 8.8920% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2417% | 2,735 |
| Memoranda: | ||
| Average total assets | $82,952,000 | 4,121 |
| Average earning assets | $74,445,750 | 4,135 |
| Average equity | $9,822,500 | 3,936 |
| Average total loans | $67,410,250 | 3,634 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 152 |
| Cost of funding earning assets | 0.2539% | 2,212 |
| Net interest margin | 4.8233% | 126 |
| Noninterest income to average assets | 0.4869% | 2,271 |
| Noninterest expense to average assets | 3.4131% | 475 |
| Loan and lease loss provision to assets | 0.0727% | 1,323 |
| Net operating income to assets | 1.0101% | 2,116 |
| Return on assets (ROA) | 1.0101% | 2,087 |
| Pretax return on assets | 1.3274% | 1,650 |
| Return on Equity (ROE) | 8.5436% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.5035% | 3,275 |
| Net charge-offs to loans | -0.0385% | 4,139 |
| Credit loss provision to net charge-offs | -230.7692% | 3,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9109% | 1,838 |
| Assets per employee ($millions) | 4.0302% | 4,356 |
| Cash dividends to net income (ytd only)* | 58.9928% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,729 |
| Loan loss allowance to noncurrent loans | 244.3636% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 1,699 |
| Noncurrent loans to loans | 0.3969% | 1,940 |
| Net loans and leases to total assets | 81.0811% | 339 |
| Net loans and leases to deposits | 96.1793% | 428 |
| Net loans and leases to core deposits | 99.0674% | 707 |
| Total domestic deposits to total assets | 84.3020% | 3,625 |
| Equity capital to assets | 11.6453% | 981 |
| Core capital (leverage) ratio | 8.6813% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,565,333 | 4,169 |
| Average earning assets | $74,057,333 | 4,190 |
| Average equity | $9,761,667 | 4,023 |
| Average total loans | $67,539,667 | 3,663 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 164 |
| Cost of funding earning assets | 0.2362% | 2,307 |
| Net interest margin | 4.7185% | 134 |
| Noninterest income to average assets | 0.5691% | 1,830 |
| Noninterest expense to average assets | 3.3116% | 530 |
| Loan and lease loss provision to assets | 0.0736% | 1,127 |
| Net operating income to assets | 1.0646% | 1,641 |
| Return on assets (ROA) | 1.0646% | 1,632 |
| Pretax return on assets | 1.3982% | 1,262 |
| Return on Equity (ROE) | 8.9351% | 2,339 |
| Retained earnings to average equity (ytd only) | 2.4294% | 3,426 |
| Net charge-offs to loans | -0.0420% | 4,201 |
| Credit loss provision to net charge-offs | -214.2857% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 2,339 |
| Assets per employee ($millions) | 3.9775% | 4,408 |
| Cash dividends to net income (ytd only)* | 72.8111% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,885 |
| Loan loss allowance to noncurrent loans | 193.7500% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 1,499 |
| Noncurrent loans to loans | 0.4939% | 1,791 |
| Net loans and leases to total assets | 80.6640% | 216 |
| Net loans and leases to deposits | 91.7068% | 445 |
| Net loans and leases to core deposits | 93.9511% | 736 |
| Total domestic deposits to total assets | 87.9585% | 2,542 |
| Equity capital to assets | 11.6655% | 1,069 |
| Core capital (leverage) ratio | 8.7675% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,530,500 | 4,202 |
| Average earning assets | $72,819,000 | 4,229 |
| Average equity | $9,714,500 | 4,090 |
| Average total loans | $66,662,000 | 3,687 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 180 |
| Cost of funding earning assets | 0.3056% | 2,355 |
| Net interest margin | 4.9417% | 153 |
| Noninterest income to average assets | 0.5253% | 2,464 |
| Noninterest expense to average assets | 3.4473% | 519 |
| Loan and lease loss provision to assets | 0.0798% | 1,536 |
| Net operating income to assets | 1.0560% | 2,460 |
| Return on assets (ROA) | 1.0560% | 2,533 |
| Pretax return on assets | 1.3859% | 2,095 |
| Return on Equity (ROE) | 8.5509% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.5509% | 1,328 |
| Net charge-offs to loans | -0.0461% | 4,291 |
| Credit loss provision to net charge-offs | -230.7692% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1678% | 1,711 |
| Assets per employee ($millions) | 3.7873% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,897 |
| Loan loss allowance to noncurrent loans | 150.8393% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 1,276 |
| Noncurrent loans to loans | 0.6386% | 1,562 |
| Net loans and leases to total assets | 81.3084% | 210 |
| Net loans and leases to deposits | 98.6394% | 226 |
| Net loans and leases to core deposits | 101.3510% | 479 |
| Total domestic deposits to total assets | 82.4299% | 3,902 |
| Equity capital to assets | 12.1773% | 1,179 |
| Core capital (leverage) ratio | 9.2573% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,188,200 | 4,275 |
| Average earning assets | $66,758,200 | 4,304 |
| Average equity | $9,285,600 | 4,215 |
| Average total loans | $56,379,200 | 3,889 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 190 |
| Cost of funding earning assets | 0.3295% | 2,305 |
| Net interest margin | 4.9977% | 159 |
| Noninterest income to average assets | 0.5434% | 2,444 |
| Noninterest expense to average assets | 3.3467% | 576 |
| Loan and lease loss provision to assets | 0.0810% | 1,467 |
| Net operating income to assets | 1.1713% | 2,268 |
| Return on assets (ROA) | 1.1713% | 2,329 |
| Pretax return on assets | 1.5366% | 1,886 |
| Return on Equity (ROE) | 9.4492% | 2,950 |
| Retained earnings to average equity (ytd only) | 9.4492% | 1,515 |
| Net charge-offs to loans | -0.0616% | 4,437 |
| Credit loss provision to net charge-offs | -180.0000% | 3,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4157% | 1,911 |
| Assets per employee ($millions) | 3.6806% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,646 |
| Loan loss allowance to noncurrent loans | 163.2000% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 1,568 |
| Noncurrent loans to loans | 0.6457% | 1,693 |
| Net loans and leases to total assets | 74.3431% | 664 |
| Net loans and leases to deposits | 85.2198% | 874 |
| Net loans and leases to core deposits | 87.4892% | 1,187 |
| Total domestic deposits to total assets | 87.2369% | 2,251 |
| Equity capital to assets | 12.3452% | 1,241 |
| Core capital (leverage) ratio | 9.0241% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,102,000 | 4,343 |
| Average earning assets | $65,548,250 | 4,377 |
| Average equity | $9,185,750 | 4,283 |
| Average total loans | $54,150,000 | 3,978 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 233 |
| Cost of funding earning assets | 0.3606% | 2,226 |
| Net interest margin | 4.8998% | 192 |
| Noninterest income to average assets | 0.5586% | 2,377 |
| Noninterest expense to average assets | 3.3955% | 534 |
| Loan and lease loss provision to assets | 0.0821% | 1,485 |
| Net operating income to assets | 1.0652% | 2,661 |
| Return on assets (ROA) | 1.0652% | 2,736 |
| Pretax return on assets | 1.3965% | 2,352 |
| Return on Equity (ROE) | 8.5806% | 3,235 |
| Retained earnings to average equity (ytd only) | 8.5806% | 1,861 |
| Net charge-offs to loans | -0.0454% | 4,330 |
| Credit loss provision to net charge-offs | -250.0000% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6629% | 1,687 |
| Assets per employee ($millions) | 3.5519% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,725 |
| Loan loss allowance to noncurrent loans | 128.2895% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 1,368 |
| Noncurrent loans to loans | 0.8021% | 1,527 |
| Net loans and leases to total assets | 75.4364% | 643 |
| Net loans and leases to deposits | 86.7597% | 861 |
| Net loans and leases to core deposits | 88.7494% | 1,221 |
| Total domestic deposits to total assets | 86.9487% | 2,353 |
| Equity capital to assets | 12.4413% | 1,161 |
| Core capital (leverage) ratio | 8.8578% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,038,333 | 4,383 |
| Average earning assets | $64,329,000 | 4,413 |
| Average equity | $9,067,000 | 4,322 |
| Average total loans | $52,842,000 | 4,025 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 461 |
| Cost of funding earning assets | 0.3792% | 2,272 |
| Net interest margin | 4.4624% | 382 |
| Noninterest income to average assets | 0.5369% | 2,445 |
| Noninterest expense to average assets | 3.3544% | 555 |
| Loan and lease loss provision to assets | 0.0830% | 1,564 |
| Net operating income to assets | 0.7694% | 3,516 |
| Return on assets (ROA) | 0.7694% | 3,586 |
| Pretax return on assets | 1.0074% | 3,348 |
| Return on Equity (ROE) | 6.2050% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.2050% | 2,828 |
| Net charge-offs to loans | -0.0472% | 4,370 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4670% | 1,186 |
| Assets per employee ($millions) | 3.6628% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,557 |
| Loan loss allowance to noncurrent loans | 124.2291% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 1,616 |
| Noncurrent loans to loans | 0.8634% | 1,556 |
| Net loans and leases to total assets | 67.6296% | 1,582 |
| Net loans and leases to deposits | 76.9663% | 1,803 |
| Net loans and leases to core deposits | 78.6537% | 2,125 |
| Total domestic deposits to total assets | 87.8691% | 1,908 |
| Equity capital to assets | 11.7396% | 1,419 |
| Core capital (leverage) ratio | 9.0193% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,262,500 | 4,407 |
| Average earning assets | $63,284,000 | 4,442 |
| Average equity | $8,960,500 | 4,339 |
| Average total loans | $50,836,500 | 4,077 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 182 |
| Cost of funding earning assets | 0.5732% | 2,490 |
| Net interest margin | 4.9495% | 133 |
| Noninterest income to average assets | 0.5193% | 2,549 |
| Noninterest expense to average assets | 3.7891% | 466 |
| Loan and lease loss provision to assets | 0.0944% | 3,168 |
| Net operating income to assets | 0.7018% | 3,427 |
| Return on assets (ROA) | 0.7018% | 3,560 |
| Pretax return on assets | 0.9158% | 3,323 |
| Return on Equity (ROE) | 5.1096% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.9443% | 3,395 |
| Net charge-offs to loans | 0.0736% | 1,750 |
| Credit loss provision to net charge-offs | 166.6667% | 2,336 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 2,053 |
| Efficiency ratio | 78.9508% | 966 |
| Assets per employee ($millions) | 3.2193% | 4,751 |
| Cash dividends to net income (ytd only)* | 42.3767% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,432 |
| Loan loss allowance to noncurrent loans | 95.9364% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 1,197 |
| Noncurrent loans to loans | 1.1530% | 1,231 |
| Net loans and leases to total assets | 71.8072% | 1,314 |
| Net loans and leases to deposits | 83.1039% | 1,537 |
| Net loans and leases to core deposits | 85.2133% | 1,932 |
| Total domestic deposits to total assets | 86.4065% | 2,186 |
| Equity capital to assets | 13.1512% | 1,043 |
| Core capital (leverage) ratio | 9.5511% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,550,200 | 4,466 |
| Average earning assets | $54,955,400 | 4,510 |
| Average equity | $8,728,600 | 4,347 |
| Average total loans | $48,940,400 | 4,128 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 238 |
| Cost of funding earning assets | 0.6117% | 2,538 |
| Net interest margin | 4.8786% | 175 |
| Noninterest income to average assets | 0.5224% | 2,513 |
| Noninterest expense to average assets | 3.8185% | 452 |
| Loan and lease loss provision to assets | 0.0959% | 3,120 |
| Net operating income to assets | 0.6481% | 3,633 |
| Return on assets (ROA) | 0.6481% | 3,736 |
| Pretax return on assets | 0.8422% | 3,539 |
| Return on Equity (ROE) | 4.6653% | 3,978 |
| Retained earnings to average equity (ytd only) | 2.5168% | 3,731 |
| Net charge-offs to loans | -0.0518% | 4,683 |
| Credit loss provision to net charge-offs | -236.8421% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2779% | 851 |
| Assets per employee ($millions) | 3.1043% | 4,810 |
| Cash dividends to net income (ytd only)* | 46.0526% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,032 |
| Loan loss allowance to noncurrent loans | 104.4803% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0584% | 1,023 |
| Noncurrent loans to loans | 1.0825% | 1,387 |
| Net loans and leases to total assets | 78.1764% | 810 |
| Net loans and leases to deposits | 90.9049% | 1,169 |
| Net loans and leases to core deposits | 93.2860% | 1,691 |
| Total domestic deposits to total assets | 85.9981% | 2,068 |
| Equity capital to assets | 13.4957% | 1,002 |
| Core capital (leverage) ratio | 9.6119% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,536,250 | 4,495 |
| Average earning assets | $54,277,000 | 4,538 |
| Average equity | $8,688,000 | 4,368 |
| Average total loans | $48,903,250 | 4,152 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 299 |
| Cost of funding earning assets | 0.6648% | 2,592 |
| Net interest margin | 4.9018% | 241 |
| Noninterest income to average assets | 0.4671% | 2,727 |
| Noninterest expense to average assets | 3.8442% | 477 |
| Loan and lease loss provision to assets | 0.0973% | 3,059 |
| Net operating income to assets | 0.5839% | 3,788 |
| Return on assets (ROA) | 0.5839% | 3,871 |
| Pretax return on assets | 0.7591% | 3,711 |
| Return on Equity (ROE) | 4.1612% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.0806% | 3,719 |
| Net charge-offs to loans | -0.0625% | 4,737 |
| Credit loss provision to net charge-offs | -200.0000% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7805% | 770 |
| Assets per employee ($millions) | 3.0726% | 4,838 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 2,967 |
| Loan loss allowance to noncurrent loans | 105.2239% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 1,086 |
| Noncurrent loans to loans | 1.0601% | 1,467 |
| Net loans and leases to total assets | 77.4816% | 922 |
| Net loans and leases to deposits | 90.2225% | 1,336 |
| Net loans and leases to core deposits | 92.6039% | 1,849 |
| Total domestic deposits to total assets | 85.8783% | 2,073 |
| Equity capital to assets | 13.5188% | 979 |
| Core capital (leverage) ratio | 9.4625% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,651,333 | 4,515 |
| Average earning assets | $53,245,667 | 4,567 |
| Average equity | $8,651,333 | 4,383 |
| Average total loans | $48,022,000 | 4,176 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 282 |
| Cost of funding earning assets | 0.7655% | 2,579 |
| Net interest margin | 4.8637% | 245 |
| Noninterest income to average assets | 0.4451% | 2,815 |
| Noninterest expense to average assets | 4.0522% | 481 |
| Loan and lease loss provision to assets | 0.0996% | 2,440 |
| Net operating income to assets | 0.3654% | 4,207 |
| Return on assets (ROA) | 0.3654% | 4,246 |
| Pretax return on assets | 0.4716% | 4,169 |
| Return on Equity (ROE) | 2.5535% | 4,326 |
| Retained earnings to average equity (ytd only) | -1.6250% | 4,212 |
| Net charge-offs to loans | -0.0342% | 4,517 |
| Credit loss provision to net charge-offs | -375.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6437% | 601 |
| Assets per employee ($millions) | 2.7368% | 4,889 |
| Cash dividends to net income (ytd only)* | 163.6364% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,847 |
| Loan loss allowance to noncurrent loans | 86.2179% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 959 |
| Noncurrent loans to loans | 1.3524% | 1,191 |
| Net loans and leases to total assets | 75.7378% | 1,347 |
| Net loans and leases to deposits | 88.9637% | 1,649 |
| Net loans and leases to core deposits | 91.4985% | 2,209 |
| Total domestic deposits to total assets | 85.1335% | 2,361 |
| Equity capital to assets | 14.2803% | 972 |
| Core capital (leverage) ratio | 10.1615% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,214,500 | 4,556 |
| Average earning assets | $51,730,500 | 4,606 |
| Average equity | $8,615,500 | 4,405 |
| Average total loans | $46,753,500 | 4,213 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9837% | 231 |
| Cost of funding earning assets | 0.6960% | 3,174 |
| Net interest margin | 5.2876% | 156 |
| Noninterest income to average assets | 0.5026% | 2,723 |
| Noninterest expense to average assets | 3.8448% | 630 |
| Loan and lease loss provision to assets | 0.1015% | 2,029 |
| Net operating income to assets | 0.8901% | 3,249 |
| Return on assets (ROA) | 0.8901% | 3,336 |
| Pretax return on assets | 1.1456% | 3,027 |
| Return on Equity (ROE) | 6.1473% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.4725% | 4,219 |
| Net charge-offs to loans | 0.0020% | 3,635 |
| Credit loss provision to net charge-offs | 6,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 737.0000% | 138 |
| Efficiency ratio | 75.5068% | 1,419 |
| Assets per employee ($millions) | 2.5092% | 4,995 |
| Cash dividends to net income (ytd only)* | 76.0456% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 2,976 |
| Loan loss allowance to noncurrent loans | 79.8462% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 723 |
| Noncurrent loans to loans | 1.3722% | 1,084 |
| Net loans and leases to total assets | 77.7964% | 1,114 |
| Net loans and leases to deposits | 96.0335% | 936 |
| Net loans and leases to core deposits | 98.9022% | 1,660 |
| Total domestic deposits to total assets | 81.0096% | 3,768 |
| Equity capital to assets | 14.3358% | 988 |
| Core capital (leverage) ratio | 10.2011% | 3,298 |
| Tier 1 risk-based capital ratio | 13.4187% | 3,569 |
| Total risk-based capital ratio | 14.6145% | 3,485 |
| Memoranda: | ||
| Average total assets | $59,093,200 | 4,612 |
| Average earning assets | $51,289,600 | 4,650 |
| Average equity | $8,556,600 | 4,438 |
| Average total loans | $48,860,200 | 4,209 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9440% | 267 |
| Cost of funding earning assets | 0.7046% | 3,195 |
| Net interest margin | 5.2394% | 186 |
| Noninterest income to average assets | 0.5577% | 2,420 |
| Noninterest expense to average assets | 3.7837% | 673 |
| Loan and lease loss provision to assets | 0.1020% | 1,884 |
| Net operating income to assets | 0.9386% | 3,213 |
| Return on assets (ROA) | 0.9386% | 3,280 |
| Pretax return on assets | 1.2401% | 2,851 |
| Return on Equity (ROE) | 6.4655% | 3,895 |
| Retained earnings to average equity (ytd only) | 1.4367% | 4,450 |
| Net charge-offs to loans | -0.0271% | 4,670 |
| Credit loss provision to net charge-offs | -450.0000% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8169% | 1,599 |
| Assets per employee ($millions) | 2.6600% | 5,026 |
| Cash dividends to net income (ytd only)* | 77.7768% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,256 |
| Loan loss allowance to noncurrent loans | 76.6369% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 779 |
| Noncurrent loans to loans | 1.3764% | 1,118 |
| Net loans and leases to total assets | 82.5464% | 504 |
| Net loans and leases to deposits | 97.3657% | 886 |
| Net loans and leases to core deposits | 100.1825% | 1,644 |
| Total domestic deposits to total assets | 84.7798% | 2,514 |
| Equity capital to assets | 14.6956% | 930 |
| Core capital (leverage) ratio | 10.1264% | 3,497 |
| Tier 1 risk-based capital ratio | 13.0675% | 3,811 |
| Total risk-based capital ratio | 14.2296% | 3,760 |
| Memoranda: | ||
| Average total assets | $58,811,500 | 4,677 |
| Average earning assets | $51,277,000 | 4,719 |
| Average equity | $8,537,500 | 4,490 |
| Average total loans | $49,233,250 | 4,251 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9005% | 287 |
| Cost of funding earning assets | 0.6914% | 3,216 |
| Net interest margin | 5.2090% | 196 |
| Noninterest income to average assets | 0.5262% | 2,533 |
| Noninterest expense to average assets | 3.6871% | 763 |
| Loan and lease loss provision to assets | 0.1019% | 1,836 |
| Net operating income to assets | 0.9574% | 3,072 |
| Return on assets (ROA) | 0.9574% | 3,144 |
| Pretax return on assets | 1.2901% | 2,595 |
| Return on Equity (ROE) | 6.6223% | 3,830 |
| Retained earnings to average equity (ytd only) | 1.2916% | 4,357 |
| Net charge-offs to loans | -0.0608% | 4,878 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5936% | 1,827 |
| Assets per employee ($millions) | 2.6757% | 5,070 |
| Cash dividends to net income (ytd only)* | 80.4965% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,543 |
| Loan loss allowance to noncurrent loans | 181.6547% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 1,852 |
| Noncurrent loans to loans | 0.5577% | 2,600 |
| Net loans and leases to total assets | 80.1726% | 857 |
| Net loans and leases to deposits | 93.6117% | 1,296 |
| Net loans and leases to core deposits | 96.1137% | 2,059 |
| Total domestic deposits to total assets | 85.6437% | 2,201 |
| Equity capital to assets | 13.9143% | 1,151 |
| Core capital (leverage) ratio | 9.9747% | 3,605 |
| Tier 1 risk-based capital ratio | 12.8074% | 3,942 |
| Total risk-based capital ratio | 13.9315% | 3,926 |
| Memoranda: | ||
| Average total assets | $58,908,330 | 4,709 |
| Average earning assets | $51,487,330 | 4,753 |
| Average equity | $8,516,670 | 4,514 |
| Average total loans | $49,370,330 | 4,272 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8434% | 286 |
| Cost of funding earning assets | 0.6987% | 3,061 |
| Net interest margin | 5.1447% | 221 |
| Noninterest income to average assets | 0.5279% | 2,394 |
| Noninterest expense to average assets | 3.7644% | 686 |
| Loan and lease loss provision to assets | 0.1042% | 1,699 |
| Net operating income to assets | 0.8612% | 3,399 |
| Return on assets (ROA) | 0.8612% | 3,450 |
| Pretax return on assets | 1.1599% | 2,937 |
| Return on Equity (ROE) | 5.8398% | 4,071 |
| Retained earnings to average equity (ytd only) | -1.3658% | 4,692 |
| Net charge-offs to loans | -0.1384% | 5,103 |
| Credit loss provision to net charge-offs | -88.2353% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8619% | 1,629 |
| Assets per employee ($millions) | 2.6674% | 5,123 |
| Cash dividends to net income (ytd only)* | 123.3871% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,569 |
| Loan loss allowance to noncurrent loans | 135.0685% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,209 |
| Noncurrent loans to loans | 0.7575% | 2,131 |
| Net loans and leases to total assets | 81.2740% | 671 |
| Net loans and leases to deposits | 95.4758% | 1,017 |
| Net loans and leases to core deposits | 98.1681% | 1,757 |
| Total domestic deposits to total assets | 85.1252% | 2,636 |
| Equity capital to assets | 14.4488% | 894 |
| Core capital (leverage) ratio | 10.1232% | 3,460 |
| Tier 1 risk-based capital ratio | 13.0052% | 3,876 |
| Total risk-based capital ratio | 14.1360% | 3,835 |
| Memoranda: | ||
| Average total assets | $57,592,000 | 4,785 |
| Average earning assets | $50,382,000 | 4,820 |
| Average equity | $8,493,500 | 4,542 |
| Average total loans | $49,133,500 | 4,322 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 416 |
| Cost of funding earning assets | 0.4929% | 3,403 |
| Net interest margin | 4.9928% | 267 |
| Noninterest income to average assets | 0.7919% | 1,478 |
| Noninterest expense to average assets | 3.3123% | 1,291 |
| Loan and lease loss provision to assets | 0.2038% | 925 |
| Net operating income to assets | 1.1923% | 2,211 |
| Return on assets (ROA) | 1.1923% | 2,206 |
| Pretax return on assets | 1.6034% | 1,458 |
| Return on Equity (ROE) | 7.9314% | 3,475 |
| Retained earnings to average equity (ytd only) | 2.3188% | 4,228 |
| Net charge-offs to loans | 0.0933% | 1,834 |
| Credit loss provision to net charge-offs | 265.1163% | 1,128 |
| Earnings coverage of net charge-offs (x) | 23.5116% | 1,847 |
| Efficiency ratio | 64.6997% | 3,086 |
| Assets per employee ($millions) | 2.8251% | 5,082 |
| Cash dividends to net income (ytd only)* | 70.7646% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 4,091 |
| Loan loss allowance to noncurrent loans | 64.4258% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 1,016 |
| Noncurrent loans to loans | 1.4257% | 1,093 |
| Net loans and leases to total assets | 87.8215% | 125 |
| Net loans and leases to deposits | 105.1427% | 412 |
| Net loans and leases to core deposits | 107.4189% | 1,167 |
| Total domestic deposits to total assets | 83.5260% | 3,153 |
| Equity capital to assets | 15.0581% | 698 |
| Core capital (leverage) ratio | 10.5358% | 2,983 |
| Tier 1 risk-based capital ratio | 12.5555% | 4,100 |
| Total risk-based capital ratio | 13.5718% | 4,111 |
| Memoranda: | ||
| Average total assets | $55,942,400 | 4,835 |
| Average earning assets | $48,489,600 | 4,882 |
| Average equity | $8,409,600 | 4,544 |
| Average total loans | $46,096,600 | 4,399 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 503 |
| Cost of funding earning assets | 0.4704% | 3,391 |
| Net interest margin | 4.8536% | 337 |
| Noninterest income to average assets | 0.7478% | 1,683 |
| Noninterest expense to average assets | 3.3426% | 1,216 |
| Loan and lease loss provision to assets | 0.0645% | 2,681 |
| Net operating income to assets | 1.1373% | 2,502 |
| Return on assets (ROA) | 1.1373% | 2,516 |
| Pretax return on assets | 1.5315% | 1,799 |
| Return on Equity (ROE) | 7.5592% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.2392% | 4,486 |
| Net charge-offs to loans | -0.0710% | 5,057 |
| Credit loss provision to net charge-offs | -112.5000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6826% | 2,596 |
| Assets per employee ($millions) | 2.8702% | 5,125 |
| Cash dividends to net income (ytd only)* | 70.3789% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,043 |
| Loan loss allowance to noncurrent loans | 155.4770% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,727 |
| Noncurrent loans to loans | 0.6120% | 2,553 |
| Net loans and leases to total assets | 79.7920% | 1,052 |
| Net loans and leases to deposits | 94.0185% | 1,379 |
| Net loans and leases to core deposits | 94.9935% | 2,211 |
| Total domestic deposits to total assets | 84.8684% | 2,658 |
| Equity capital to assets | 14.7275% | 776 |
| Core capital (leverage) ratio | 10.1945% | 3,415 |
| Tier 1 risk-based capital ratio | 13.3344% | 3,714 |
| Total risk-based capital ratio | 14.3767% | 3,740 |
| Memoranda: | ||
| Average total assets | $55,802,750 | 4,891 |
| Average earning assets | $48,182,750 | 4,947 |
| Average equity | $8,395,750 | 4,593 |
| Average total loans | $45,100,750 | 4,478 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 494 |
| Cost of funding earning assets | 0.4366% | 3,449 |
| Net interest margin | 4.8367% | 344 |
| Noninterest income to average assets | 0.7346% | 1,713 |
| Noninterest expense to average assets | 3.3509% | 1,216 |
| Loan and lease loss provision to assets | 0.0651% | 2,596 |
| Net operating income to assets | 1.1833% | 2,265 |
| Return on assets (ROA) | 1.1833% | 2,267 |
| Pretax return on assets | 1.4873% | 1,859 |
| Return on Equity (ROE) | 7.8077% | 3,591 |
| Retained earnings to average equity (ytd only) | 3.2711% | 3,932 |
| Net charge-offs to loans | -0.0939% | 5,140 |
| Credit loss provision to net charge-offs | -85.7143% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3395% | 2,586 |
| Assets per employee ($millions) | 2.4097% | 5,356 |
| Cash dividends to net income (ytd only)* | 58.1040% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,258 |
| Loan loss allowance to noncurrent loans | 145.0847% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 2,635 |
| Noncurrent loans to loans | 0.6327% | 2,529 |
| Net loans and leases to total assets | 83.3535% | 535 |
| Net loans and leases to deposits | 98.7643% | 900 |
| Net loans and leases to core deposits | 99.8314% | 1,751 |
| Total domestic deposits to total assets | 84.3964% | 2,914 |
| Equity capital to assets | 15.2464% | 644 |
| Core capital (leverage) ratio | 10.5626% | 2,967 |
| Tier 1 risk-based capital ratio | 13.2079% | 3,786 |
| Total risk-based capital ratio | 14.2129% | 3,833 |
| Memoranda: | ||
| Average total assets | $55,269,330 | 4,957 |
| Average earning assets | $47,636,000 | 5,010 |
| Average equity | $8,376,330 | 4,635 |
| Average total loans | $44,720,000 | 4,531 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 590 |
| Cost of funding earning assets | 0.4457% | 3,234 |
| Net interest margin | 4.6506% | 447 |
| Noninterest income to average assets | 0.7247% | 1,724 |
| Noninterest expense to average assets | 3.4642% | 1,058 |
| Loan and lease loss provision to assets | 0.0652% | 2,466 |
| Net operating income to assets | 1.0436% | 2,677 |
| Return on assets (ROA) | 1.0436% | 2,695 |
| Pretax return on assets | 1.2031% | 2,736 |
| Return on Equity (ROE) | 6.9069% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.5421% | 4,155 |
| Net charge-offs to loans | -0.1462% | 5,310 |
| Credit loss provision to net charge-offs | -56.2500% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2006% | 2,012 |
| Assets per employee ($millions) | 2.9743% | 5,167 |
| Cash dividends to net income (ytd only)* | 63.1944% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,408 |
| Loan loss allowance to noncurrent loans | 160.4651% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 3,013 |
| Noncurrent loans to loans | 0.5666% | 2,840 |
| Net loans and leases to total assets | 79.8397% | 962 |
| Net loans and leases to deposits | 94.1922% | 1,209 |
| Net loans and leases to core deposits | 95.1858% | 2,040 |
| Total domestic deposits to total assets | 84.7625% | 3,014 |
| Equity capital to assets | 14.8039% | 717 |
| Core capital (leverage) ratio | 10.4223% | 3,036 |
| Tier 1 risk-based capital ratio | 13.2397% | 3,819 |
| Total risk-based capital ratio | 14.2349% | 3,858 |
| Memoranda: | ||
| Average total assets | $55,192,500 | 5,015 |
| Average earning assets | $47,563,500 | 5,071 |
| Average equity | $8,339,500 | 4,691 |
| Average total loans | $43,767,500 | 4,596 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,096 |
| Cost of funding earning assets | 0.4066% | 3,188 |
| Net interest margin | 4.3338% | 899 |
| Noninterest income to average assets | 0.4825% | 3,112 |
| Noninterest expense to average assets | 3.7333% | 754 |
| Loan and lease loss provision to assets | 0.0542% | 3,148 |
| Net operating income to assets | 0.3198% | 4,894 |
| Return on assets (ROA) | 0.3198% | 4,909 |
| Pretax return on assets | 0.4120% | 5,074 |
| Return on Equity (ROE) | 2.1476% | 5,027 |
| Retained earnings to average equity (ytd only) | 0.9464% | 4,638 |
| Net charge-offs to loans | 0.0816% | 2,291 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | 7.8182% | 2,989 |
| Efficiency ratio | 87.9088% | 537 |
| Assets per employee ($millions) | 2.5654% | 5,436 |
| Cash dividends to net income (ytd only)* | 55.9322% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 4,339 |
| Loan loss allowance to noncurrent loans | 166.2393% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,129 |
| Noncurrent loans to loans | 0.5571% | 2,831 |
| Net loans and leases to total assets | 77.2428% | 1,384 |
| Net loans and leases to deposits | 91.7677% | 1,559 |
| Net loans and leases to core deposits | 92.7909% | 2,298 |
| Total domestic deposits to total assets | 84.1720% | 3,135 |
| Equity capital to assets | 15.4307% | 597 |
| Core capital (leverage) ratio | 10.5309% | 2,811 |
| Tier 1 risk-based capital ratio | 14.8149% | 2,919 |
| Total risk-based capital ratio | 15.8691% | 2,957 |
| Memoranda: | ||
| Average total assets | $55,340,000 | 5,054 |
| Average earning assets | $47,463,800 | 5,117 |
| Average equity | $8,241,800 | 4,747 |
| Average total loans | $40,430,000 | 4,719 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,202 |
| Cost of funding earning assets | 0.4131% | 3,058 |
| Net interest margin | 4.2565% | 1,034 |
| Noninterest income to average assets | 0.4212% | 3,547 |
| Noninterest expense to average assets | 3.7625% | 709 |
| Loan and lease loss provision to assets | 0.0646% | 2,782 |
| Net operating income to assets | 0.1484% | 5,400 |
| Return on assets (ROA) | 0.1484% | 5,408 |
| Pretax return on assets | 0.2441% | 5,346 |
| Return on Equity (ROE) | 1.0051% | 5,430 |
| Retained earnings to average equity (ytd only) | -0.5998% | 5,307 |
| Net charge-offs to loans | 0.1132% | 1,662 |
| Credit loss provision to net charge-offs | 79.4118% | 2,592 |
| Earnings coverage of net charge-offs (x) | 3.7944% | 3,296 |
| Efficiency ratio | 91.3580% | 362 |
| Assets per employee ($millions) | 4.0352% | 3,928 |
| Cash dividends to net income (ytd only)* | 159.6903% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,196 |
| Loan loss allowance to noncurrent loans | 138.9892% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,096 |
| Noncurrent loans to loans | 0.7039% | 2,597 |
| Net loans and leases to total assets | 68.9802% | 2,698 |
| Net loans and leases to deposits | 81.0959% | 2,868 |
| Net loans and leases to core deposits | 81.9486% | 3,292 |
| Total domestic deposits to total assets | 85.0601% | 2,690 |
| Equity capital to assets | 14.5115% | 854 |
| Core capital (leverage) ratio | 10.3622% | 3,122 |
| Tier 1 risk-based capital ratio | 14.8208% | 3,005 |
| Total risk-based capital ratio | 15.8734% | 3,036 |
| Memoranda: | ||
| Average total assets | $55,706,750 | 5,108 |
| Average earning assets | $47,769,250 | 5,167 |
| Average equity | $8,224,000 | 4,793 |
| Average total loans | $40,037,000 | 4,780 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 1,104 |
| Cost of funding earning assets | 0.4251% | 2,849 |
| Net interest margin | 4.2506% | 973 |
| Noninterest income to average assets | 0.3715% | 3,898 |
| Noninterest expense to average assets | 3.3006% | 1,371 |
| Loan and lease loss provision to assets | 0.0649% | 2,671 |
| Net operating income to assets | 0.4040% | 4,972 |
| Return on assets (ROA) | 0.4040% | 5,001 |
| Pretax return on assets | 0.6493% | 4,688 |
| Return on Equity (ROE) | 2.7209% | 5,192 |
| Retained earnings to average equity (ytd only) | 0.3158% | 5,012 |
| Net charge-offs to loans | 0.1987% | 1,016 |
| Credit loss provision to net charge-offs | 45.0000% | 2,607 |
| Earnings coverage of net charge-offs (x) | 4.9500% | 2,872 |
| Efficiency ratio | 81.1321% | 1,092 |
| Assets per employee ($millions) | 2.8797% | 5,371 |
| Cash dividends to net income (ytd only)* | 88.3929% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,478 |
| Loan loss allowance to noncurrent loans | 158.1197% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 3,399 |
| Noncurrent loans to loans | 0.5937% | 2,952 |
| Net loans and leases to total assets | 71.3552% | 2,312 |
| Net loans and leases to deposits | 84.4827% | 2,408 |
| Net loans and leases to core deposits | 85.3956% | 2,938 |
| Total domestic deposits to total assets | 84.4613% | 3,025 |
| Equity capital to assets | 15.0745% | 693 |
| Core capital (leverage) ratio | 11.0811% | 2,331 |
| Tier 1 risk-based capital ratio | 14.2861% | 3,273 |
| Total risk-based capital ratio | 15.2617% | 3,336 |
| Memoranda: | ||
| Average total assets | $55,444,670 | 5,149 |
| Average earning assets | $47,522,330 | 5,205 |
| Average equity | $8,232,670 | 4,819 |
| Average total loans | $40,264,670 | 4,799 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 1,155 |
| Cost of funding earning assets | 0.4269% | 2,748 |
| Net interest margin | 4.1684% | 1,048 |
| Noninterest income to average assets | 0.3512% | 4,030 |
| Noninterest expense to average assets | 3.3471% | 1,294 |
| Loan and lease loss provision to assets | 0.0645% | 2,511 |
| Net operating income to assets | 0.3154% | 5,156 |
| Return on assets (ROA) | 0.3154% | 5,182 |
| Pretax return on assets | 0.5089% | 4,951 |
| Return on Equity (ROE) | 2.1398% | 5,315 |
| Retained earnings to average equity (ytd only) | -0.9726% | 5,060 |
| Net charge-offs to loans | 0.3342% | 549 |
| Credit loss provision to net charge-offs | 26.4706% | 2,134 |
| Earnings coverage of net charge-offs (x) | 2.3529% | 2,602 |
| Efficiency ratio | 84.2779% | 946 |
| Assets per employee ($millions) | 3.0940% | 5,279 |
| Cash dividends to net income (ytd only)* | 145.4545% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,735 |
| Loan loss allowance to noncurrent loans | 139.5437% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 3,407 |
| Noncurrent loans to loans | 0.6488% | 2,882 |
| Net loans and leases to total assets | 68.3343% | 2,625 |
| Net loans and leases to deposits | 80.0060% | 2,756 |
| Net loans and leases to core deposits | 80.8009% | 3,224 |
| Total domestic deposits to total assets | 85.4115% | 2,918 |
| Equity capital to assets | 13.9744% | 909 |
| Core capital (leverage) ratio | 10.1726% | 3,282 |
| Tier 1 risk-based capital ratio | 13.5651% | 3,741 |
| Total risk-based capital ratio | 14.4903% | 3,841 |
| Memoranda: | ||
| Average total assets | $55,809,500 | 5,198 |
| Average earning assets | $47,788,000 | 5,255 |
| Average equity | $8,225,000 | 4,852 |
| Average total loans | $40,691,000 | 4,826 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 569 |
| Cost of funding earning assets | 0.4037% | 2,967 |
| Net interest margin | 4.6184% | 492 |
| Noninterest income to average assets | 0.4836% | 3,330 |
| Noninterest expense to average assets | 3.4870% | 1,190 |
| Loan and lease loss provision to assets | 0.0694% | 2,967 |
| Net operating income to assets | 0.5491% | 4,439 |
| Return on assets (ROA) | 0.5491% | 4,540 |
| Pretax return on assets | 0.8727% | 3,933 |
| Return on Equity (ROE) | 3.4782% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.4279% | 4,695 |
| Net charge-offs to loans | 0.0510% | 3,023 |
| Credit loss provision to net charge-offs | 171.4286% | 1,618 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,693 |
| Efficiency ratio | 77.7294% | 1,732 |
| Assets per employee ($millions) | 2.9352% | 5,399 |
| Cash dividends to net income (ytd only)* | 58.9474% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 4,528 |
| Loan loss allowance to noncurrent loans | 141.5162% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 3,168 |
| Noncurrent loans to loans | 0.6782% | 2,834 |
| Net loans and leases to total assets | 76.5658% | 1,427 |
| Net loans and leases to deposits | 91.2767% | 1,538 |
| Net loans and leases to core deposits | 92.3056% | 2,270 |
| Total domestic deposits to total assets | 83.8832% | 3,465 |
| Equity capital to assets | 15.5868% | 550 |
| Core capital (leverage) ratio | 10.8693% | 2,472 |
| Tier 1 risk-based capital ratio | 14.1276% | 3,395 |
| Total risk-based capital ratio | 15.1535% | 3,433 |
| Memoranda: | ||
| Average total assets | $51,907,600 | 5,308 |
| Average earning assets | $44,344,400 | 5,368 |
| Average equity | $8,194,000 | 4,898 |
| Average total loans | $41,175,600 | 4,839 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 541 |
| Cost of funding earning assets | 0.4078% | 2,946 |
| Net interest margin | 4.6455% | 471 |
| Noninterest income to average assets | 0.5728% | 2,796 |
| Noninterest expense to average assets | 3.5941% | 1,004 |
| Loan and lease loss provision to assets | 0.0697% | 2,823 |
| Net operating income to assets | 0.5547% | 4,476 |
| Return on assets (ROA) | 0.5547% | 4,586 |
| Pretax return on assets | 0.8772% | 4,057 |
| Return on Equity (ROE) | 3.5028% | 5,082 |
| Retained earnings to average equity (ytd only) | 1.6781% | 4,839 |
| Net charge-offs to loans | 0.0776% | 2,211 |
| Credit loss provision to net charge-offs | 112.5000% | 2,195 |
| Earnings coverage of net charge-offs (x) | 15.2913% | 2,187 |
| Efficiency ratio | 78.1250% | 1,679 |
| Assets per employee ($millions) | 2.9134% | 5,457 |
| Cash dividends to net income (ytd only)* | 52.0931% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 4,765 |
| Loan loss allowance to noncurrent loans | 228.9157% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 3,832 |
| Noncurrent loans to loans | 0.4052% | 3,824 |
| Net loans and leases to total assets | 77.3917% | 1,296 |
| Net loans and leases to deposits | 92.3730% | 1,449 |
| Net loans and leases to core deposits | 93.4234% | 2,241 |
| Total domestic deposits to total assets | 83.7818% | 3,280 |
| Equity capital to assets | 15.6748% | 602 |
| Core capital (leverage) ratio | 11.0461% | 2,401 |
| Tier 1 risk-based capital ratio | 14.2569% | 3,428 |
| Total risk-based capital ratio | 15.2639% | 3,474 |
| Memoranda: | ||
| Average total assets | $51,676,250 | 5,365 |
| Average earning assets | $44,142,250 | 5,434 |
| Average equity | $8,183,750 | 4,951 |
| Average total loans | $41,258,500 | 4,881 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 518 |
| Cost of funding earning assets | 0.4086% | 2,951 |
| Net interest margin | 4.6580% | 452 |
| Noninterest income to average assets | 0.5951% | 2,644 |
| Noninterest expense to average assets | 3.5783% | 1,037 |
| Loan and lease loss provision to assets | 0.0700% | 2,739 |
| Net operating income to assets | 0.5912% | 4,316 |
| Return on assets (ROA) | 0.5912% | 4,436 |
| Pretax return on assets | 0.9374% | 3,812 |
| Return on Equity (ROE) | 3.7202% | 5,012 |
| Retained earnings to average equity (ytd only) | 2.3741% | 4,367 |
| Net charge-offs to loans | 0.1306% | 1,546 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 9.5926% | 2,406 |
| Efficiency ratio | 77.0144% | 1,929 |
| Assets per employee ($millions) | 2.3044% | 5,859 |
| Cash dividends to net income (ytd only)* | 36.1842% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,990 |
| Loan loss allowance to noncurrent loans | 216.4706% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 3,820 |
| Noncurrent loans to loans | 0.4111% | 3,883 |
| Net loans and leases to total assets | 80.8490% | 778 |
| Net loans and leases to deposits | 98.2195% | 867 |
| Net loans and leases to core deposits | 98.2195% | 1,788 |
| Total domestic deposits to total assets | 82.3145% | 3,904 |
| Equity capital to assets | 16.2021% | 510 |
| Core capital (leverage) ratio | 10.9861% | 2,441 |
| Tier 1 risk-based capital ratio | 14.1234% | 3,537 |
| Total risk-based capital ratio | 15.0913% | 3,618 |
| Memoranda: | ||
| Average total assets | $51,421,330 | 5,430 |
| Average earning assets | $44,053,670 | 5,496 |
| Average equity | $8,171,670 | 4,995 |
| Average total loans | $41,356,330 | 4,921 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 590 |
| Cost of funding earning assets | 0.3950% | 3,138 |
| Net interest margin | 4.5962% | 501 |
| Noninterest income to average assets | 0.6952% | 2,062 |
| Noninterest expense to average assets | 3.7232% | 870 |
| Loan and lease loss provision to assets | 0.0695% | 2,561 |
| Net operating income to assets | 0.5407% | 4,464 |
| Return on assets (ROA) | 0.5407% | 4,568 |
| Pretax return on assets | 0.8574% | 4,014 |
| Return on Equity (ROE) | 3.4354% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.4354% | 3,789 |
| Net charge-offs to loans | 0.2805% | 754 |
| Credit loss provision to net charge-offs | 31.0345% | 2,215 |
| Earnings coverage of net charge-offs (x) | 4.1379% | 2,461 |
| Efficiency ratio | 79.0698% | 1,738 |
| Assets per employee ($millions) | 2.5977% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 5,233 |
| Loan loss allowance to noncurrent loans | 213.7725% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 4,164 |
| Noncurrent loans to loans | 0.3969% | 4,012 |
| Net loans and leases to total assets | 80.3076% | 770 |
| Net loans and leases to deposits | 96.8366% | 863 |
| Net loans and leases to core deposits | 96.8366% | 1,719 |
| Total domestic deposits to total assets | 82.9311% | 3,926 |
| Equity capital to assets | 15.7582% | 560 |
| Core capital (leverage) ratio | 10.8800% | 2,539 |
| Tier 1 risk-based capital ratio | 14.2146% | 3,555 |
| Total risk-based capital ratio | 15.1649% | 3,677 |
| Memoranda: | ||
| Average total assets | $51,783,500 | 5,474 |
| Average earning assets | $44,559,000 | 5,539 |
| Average equity | $8,150,500 | 5,026 |
| Average total loans | $41,356,500 | 4,965 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 965 |
| Cost of funding earning assets | 0.4027% | 3,125 |
| Net interest margin | 4.3735% | 840 |
| Noninterest income to average assets | 0.4882% | 3,408 |
| Noninterest expense to average assets | 3.6449% | 1,048 |
| Loan and lease loss provision to assets | 0.1933% | 1,139 |
| Net operating income to assets | 0.2508% | 5,480 |
| Return on assets (ROA) | 0.2508% | 5,548 |
| Pretax return on assets | 0.3924% | 5,329 |
| Return on Equity (ROE) | 1.6319% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.6319% | 4,794 |
| Net charge-offs to loans | 0.3541% | 837 |
| Credit loss provision to net charge-offs | 74.8148% | 3,043 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 3,938 |
| Efficiency ratio | 85.1131% | 1,077 |
| Assets per employee ($millions) | 2.3460% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,982 |
| Loan loss allowance to noncurrent loans | 227.1084% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 2,673 |
| Noncurrent loans to loans | 0.4085% | 3,992 |
| Net loans and leases to total assets | 77.9959% | 1,118 |
| Net loans and leases to deposits | 97.1804% | 891 |
| Net loans and leases to core deposits | 97.1804% | 1,743 |
| Total domestic deposits to total assets | 80.2588% | 4,681 |
| Equity capital to assets | 15.7208% | 561 |
| Core capital (leverage) ratio | 10.6397% | 2,785 |
| Tier 1 risk-based capital ratio | 14.2876% | 3,556 |
| Total risk-based capital ratio | 15.3090% | 3,602 |
| Memoranda: | ||
| Average total assets | $52,237,800 | 5,497 |
| Average earning assets | $44,700,800 | 5,561 |
| Average equity | $8,027,400 | 5,057 |
| Average total loans | $38,121,600 | 5,085 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,052 |
| Cost of funding earning assets | 0.4224% | 2,988 |
| Net interest margin | 4.3046% | 948 |
| Noninterest income to average assets | 0.4428% | 3,771 |
| Noninterest expense to average assets | 3.7001% | 973 |
| Loan and lease loss provision to assets | 0.2316% | 787 |
| Net operating income to assets | 0.1476% | 5,779 |
| Return on assets (ROA) | 0.1476% | 5,827 |
| Pretax return on assets | 0.1934% | 5,799 |
| Return on Equity (ROE) | 0.9659% | 5,863 |
| Retained earnings to average equity (ytd only) | 0.9659% | 5,331 |
| Net charge-offs to loans | 0.4836% | 506 |
| Credit loss provision to net charge-offs | 66.9118% | 2,820 |
| Earnings coverage of net charge-offs (x) | 1.2279% | 3,863 |
| Efficiency ratio | 88.5873% | 792 |
| Assets per employee ($millions) | 2.2298% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 5,007 |
| Loan loss allowance to noncurrent loans | 247.2973% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 2,969 |
| Noncurrent loans to loans | 0.3812% | 4,245 |
| Net loans and leases to total assets | 74.9868% | 1,547 |
| Net loans and leases to deposits | 92.4558% | 1,361 |
| Net loans and leases to core deposits | 93.0171% | 2,169 |
| Total domestic deposits to total assets | 81.1056% | 4,449 |
| Equity capital to assets | 15.6849% | 619 |
| Core capital (leverage) ratio | 10.5912% | 2,933 |
| Tier 1 risk-based capital ratio | 14.6160% | 3,494 |
| Total risk-based capital ratio | 15.6494% | 3,544 |
| Memoranda: | ||
| Average total assets | $52,394,000 | 5,571 |
| Average earning assets | $44,819,750 | 5,632 |
| Average equity | $8,005,750 | 5,125 |
| Average total loans | $37,493,750 | 5,159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,321 |
| Cost of funding earning assets | 0.4400% | 2,842 |
| Net interest margin | 4.1424% | 1,245 |
| Noninterest income to average assets | 0.4852% | 3,469 |
| Noninterest expense to average assets | 3.6692% | 1,029 |
| Loan and lease loss provision to assets | 0.3260% | 428 |
| Net operating income to assets | 0.0227% | 5,967 |
| Return on assets (ROA) | 0.0227% | 6,006 |
| Pretax return on assets | 0.0227% | 6,000 |
| Return on Equity (ROE) | 0.1501% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.1501% | 5,456 |
| Net charge-offs to loans | 0.7557% | 296 |
| Credit loss provision to net charge-offs | 61.4286% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.6571% | 3,635 |
| Efficiency ratio | 90.1887% | 737 |
| Assets per employee ($millions) | 2.2855% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 5,112 |
| Loan loss allowance to noncurrent loans | 99.1667% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,253 |
| Noncurrent loans to loans | 0.9541% | 2,737 |
| Net loans and leases to total assets | 71.0992% | 2,143 |
| Net loans and leases to deposits | 84.0073% | 2,312 |
| Net loans and leases to core deposits | 84.4839% | 2,934 |
| Total domestic deposits to total assets | 84.6346% | 3,279 |
| Equity capital to assets | 15.1999% | 666 |
| Core capital (leverage) ratio | 10.1018% | 3,459 |
| Tier 1 risk-based capital ratio | 14.6143% | 3,572 |
| Total risk-based capital ratio | 15.6331% | 3,624 |
| Memoranda: | ||
| Average total assets | $52,763,670 | 5,618 |
| Average earning assets | $44,998,330 | 5,686 |
| Average equity | $7,993,000 | 5,168 |
| Average total loans | $37,050,670 | 5,218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,453 |
| Cost of funding earning assets | 0.4547% | 2,724 |
| Net interest margin | 4.0476% | 1,419 |
| Noninterest income to average assets | 0.4994% | 3,292 |
| Noninterest expense to average assets | 3.5715% | 1,178 |
| Loan and lease loss provision to assets | 0.1135% | 1,819 |
| Net operating income to assets | 0.1589% | 5,769 |
| Return on assets (ROA) | 0.1589% | 5,842 |
| Pretax return on assets | 0.2497% | 5,753 |
| Return on Equity (ROE) | 1.0507% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.0507% | 5,056 |
| Net charge-offs to loans | 0.0872% | 1,848 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,337 |
| Efficiency ratio | 89.6154% | 880 |
| Assets per employee ($millions) | 2.6900% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 4,343 |
| Loan loss allowance to noncurrent loans | 66.5605% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 1,792 |
| Noncurrent loans to loans | 1.7058% | 1,609 |
| Net loans and leases to total assets | 67.6543% | 2,506 |
| Net loans and leases to deposits | 79.6525% | 2,601 |
| Net loans and leases to core deposits | 80.0907% | 3,149 |
| Total domestic deposits to total assets | 84.9368% | 3,439 |
| Equity capital to assets | 14.8792% | 737 |
| Core capital (leverage) ratio | 10.1181% | 3,443 |
| Tier 1 risk-based capital ratio | 14.6807% | 3,614 |
| Total risk-based capital ratio | 15.8760% | 3,570 |
| Memoranda: | ||
| Average total assets | $52,862,500 | 5,666 |
| Average earning assets | $44,866,500 | 5,740 |
| Average equity | $7,994,500 | 5,213 |
| Average total loans | $36,710,500 | 5,266 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,770 |
| Cost of funding earning assets | 0.4513% | 3,161 |
| Net interest margin | 4.0747% | 1,664 |
| Noninterest income to average assets | 0.5253% | 3,321 |
| Noninterest expense to average assets | 3.6034% | 1,300 |
| Loan and lease loss provision to assets | 0.1864% | 1,380 |
| Net operating income to assets | 0.1600% | 5,851 |
| Return on assets (ROA) | 0.1600% | 5,901 |
| Pretax return on assets | 0.2203% | 5,839 |
| Return on Equity (ROE) | 1.0709% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.0709% | 5,291 |
| Net charge-offs to loans | 0.3011% | 1,465 |
| Credit loss provision to net charge-offs | 93.3962% | 2,571 |
| Earnings coverage of net charge-offs (x) | 2.0377% | 4,266 |
| Efficiency ratio | 88.7793% | 928 |
| Assets per employee ($millions) | 2.4726% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 4,434 |
| Loan loss allowance to noncurrent loans | 65.1347% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 2,200 |
| Noncurrent loans to loans | 1.7238% | 1,687 |
| Net loans and leases to total assets | 69.7044% | 2,278 |
| Net loans and leases to deposits | 82.4709% | 2,411 |
| Net loans and leases to core deposits | 82.4709% | 3,047 |
| Total domestic deposits to total assets | 84.5200% | 3,500 |
| Equity capital to assets | 15.3760% | 638 |
| Core capital (leverage) ratio | 9.9765% | 3,601 |
| Tier 1 risk-based capital ratio | 14.1177% | 4,021 |
| Total risk-based capital ratio | 15.1501% | 4,101 |
| Memoranda: | ||
| Average total assets | $53,116,400 | 5,716 |
| Average earning assets | $45,426,200 | 5,786 |
| Average equity | $7,937,600 | 5,217 |
| Average total loans | $35,200,400 | 5,356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,818 |
| Cost of funding earning assets | 0.4574% | 3,166 |
| Net interest margin | 4.0579% | 1,698 |
| Noninterest income to average assets | 0.4144% | 4,143 |
| Noninterest expense to average assets | 3.5995% | 1,298 |
| Loan and lease loss provision to assets | 0.1398% | 1,787 |
| Net operating income to assets | 0.1048% | 6,026 |
| Return on assets (ROA) | 0.1048% | 6,050 |
| Pretax return on assets | 0.1523% | 6,008 |
| Return on Equity (ROE) | 0.7065% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.7065% | 5,594 |
| Net charge-offs to loans | 0.3788% | 1,054 |
| Credit loss provision to net charge-offs | 56.5657% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 4,212 |
| Efficiency ratio | 91.3406% | 749 |
| Assets per employee ($millions) | 2.6522% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 5,082 |
| Loan loss allowance to noncurrent loans | 60.4502% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.6006% | 1,897 |
| Noncurrent loans to loans | 1.7027% | 1,913 |
| Net loans and leases to total assets | 68.1604% | 2,507 |
| Net loans and leases to deposits | 80.3748% | 2,636 |
| Net loans and leases to core deposits | 80.3748% | 3,274 |
| Total domestic deposits to total assets | 84.8032% | 3,422 |
| Equity capital to assets | 14.9762% | 736 |
| Core capital (leverage) ratio | 9.6332% | 4,180 |
| Tier 1 risk-based capital ratio | 14.1202% | 4,130 |
| Total risk-based capital ratio | 15.2093% | 4,185 |
| Memoranda: | ||
| Average total assets | $53,414,250 | 5,771 |
| Average earning assets | $45,769,500 | 5,845 |
| Average equity | $7,926,000 | 5,258 |
| Average total loans | $34,849,250 | 5,420 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 1,871 |
| Cost of funding earning assets | 0.4531% | 3,292 |
| Net interest margin | 4.0339% | 1,711 |
| Noninterest income to average assets | 0.4109% | 4,166 |
| Noninterest expense to average assets | 3.5489% | 1,391 |
| Loan and lease loss provision to assets | 0.1532% | 1,610 |
| Net operating income to assets | 0.1158% | 6,014 |
| Return on assets (ROA) | 0.1158% | 6,058 |
| Pretax return on assets | 0.1681% | 5,993 |
| Return on Equity (ROE) | 0.7828% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.7828% | 5,433 |
| Net charge-offs to loans | 0.2800% | 1,421 |
| Credit loss provision to net charge-offs | 85.4167% | 2,258 |
| Earnings coverage of net charge-offs (x) | 1.7917% | 3,712 |
| Efficiency ratio | 90.5405% | 876 |
| Assets per employee ($millions) | 2.6120% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,616 |
| Loan loss allowance to noncurrent loans | 52.4235% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 2,283 |
| Noncurrent loans to loans | 2.2135% | 1,478 |
| Net loans and leases to total assets | 63.8238% | 3,095 |
| Net loans and leases to deposits | 74.7459% | 3,237 |
| Net loans and leases to core deposits | 74.7459% | 3,753 |
| Total domestic deposits to total assets | 85.3877% | 3,333 |
| Equity capital to assets | 14.4646% | 828 |
| Core capital (leverage) ratio | 9.5952% | 4,182 |
| Tier 1 risk-based capital ratio | 14.3401% | 4,034 |
| Total risk-based capital ratio | 15.3989% | 4,093 |
| Memoranda: | ||
| Average total assets | $53,537,670 | 5,819 |
| Average earning assets | $45,911,000 | 5,892 |
| Average equity | $7,920,000 | 5,289 |
| Average total loans | $34,288,670 | 5,475 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,623 |
| Cost of funding earning assets | 0.4707% | 3,224 |
| Net interest margin | 4.0855% | 1,504 |
| Noninterest income to average assets | 0.4085% | 4,112 |
| Noninterest expense to average assets | 3.4417% | 1,606 |
| Loan and lease loss provision to assets | 0.1967% | 1,190 |
| Net operating income to assets | 0.1664% | 5,888 |
| Return on assets (ROA) | 0.1664% | 5,930 |
| Pretax return on assets | 0.2496% | 5,829 |
| Return on Equity (ROE) | 1.1121% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.1121% | 5,160 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3541% | 1,297 |
| Assets per employee ($millions) | 2.7424% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 3,997 |
| Loan loss allowance to noncurrent loans | 64.5864% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3930% | 2,551 |
| Noncurrent loans to loans | 2.0477% | 1,813 |
| Net loans and leases to total assets | 60.5375% | 3,466 |
| Net loans and leases to deposits | 70.8482% | 3,491 |
| Net loans and leases to core deposits | 70.8482% | 4,000 |
| Total domestic deposits to total assets | 85.4468% | 3,650 |
| Equity capital to assets | 14.4511% | 801 |
| Core capital (leverage) ratio | 9.5970% | 4,137 |
| Tier 1 risk-based capital ratio | 15.2847% | 3,557 |
| Total risk-based capital ratio | 16.5147% | 3,522 |
| Memoranda: | ||
| Average total assets | $52,881,000 | 5,887 |
| Average earning assets | $45,037,000 | 5,970 |
| Average equity | $7,913,000 | 5,325 |
| Average total loans | $33,723,500 | 5,558 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 1,352 |
| Cost of funding earning assets | 0.5663% | 2,964 |
| Net interest margin | 4.2189% | 1,300 |
| Noninterest income to average assets | 0.4287% | 4,242 |
| Noninterest expense to average assets | 3.7880% | 1,156 |
| Loan and lease loss provision to assets | 0.2565% | 1,403 |
| Net operating income to assets | 0.0395% | 6,148 |
| Return on assets (ROA) | 0.0395% | 6,192 |
| Pretax return on assets | 0.0054% | 6,224 |
| Return on Equity (ROE) | 0.2845% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.2845% | 5,719 |
| Net charge-offs to loans | 0.4883% | 1,363 |
| Credit loss provision to net charge-offs | 82.6590% | 2,969 |
| Earnings coverage of net charge-offs (x) | 0.8439% | 4,805 |
| Efficiency ratio | 91.0983% | 943 |
| Assets per employee ($millions) | 2.3143% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 4,459 |
| Loan loss allowance to noncurrent loans | 121.8659% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 3,837 |
| Noncurrent loans to loans | 1.0148% | 3,480 |
| Net loans and leases to total assets | 65.5622% | 2,760 |
| Net loans and leases to deposits | 77.6953% | 2,764 |
| Net loans and leases to core deposits | 80.6363% | 3,052 |
| Total domestic deposits to total assets | 84.3838% | 4,024 |
| Equity capital to assets | 15.5161% | 591 |
| Core capital (leverage) ratio | 9.6610% | 4,041 |
| Tier 1 risk-based capital ratio | 15.0999% | 3,610 |
| Total risk-based capital ratio | 16.3514% | 3,553 |
| Memoranda: | ||
| Average total assets | $55,754,600 | 5,883 |
| Average earning assets | $47,856,200 | 5,940 |
| Average equity | $7,732,600 | 5,407 |
| Average total loans | $35,431,200 | 5,516 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 1,364 |
| Cost of funding earning assets | 0.5970% | 2,835 |
| Net interest margin | 4.1951% | 1,351 |
| Noninterest income to average assets | 0.4049% | 4,493 |
| Noninterest expense to average assets | 3.6911% | 1,261 |
| Loan and lease loss provision to assets | 0.2996% | 1,129 |
| Net operating income to assets | 0.0585% | 6,205 |
| Return on assets (ROA) | 0.0585% | 6,262 |
| Pretax return on assets | 0.0328% | 6,283 |
| Return on Equity (ROE) | 0.4334% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.4334% | 5,799 |
| Net charge-offs to loans | 0.5841% | 1,076 |
| Credit loss provision to net charge-offs | 81.5287% | 2,811 |
| Earnings coverage of net charge-offs (x) | 0.9045% | 4,548 |
| Efficiency ratio | 89.1798% | 1,069 |
| Assets per employee ($millions) | 2.1532% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 4,679 |
| Loan loss allowance to noncurrent loans | 132.1767% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 4,234 |
| Noncurrent loans to loans | 0.9407% | 3,935 |
| Net loans and leases to total assets | 61.8224% | 3,391 |
| Net loans and leases to deposits | 72.6711% | 3,435 |
| Net loans and leases to core deposits | 75.8202% | 3,636 |
| Total domestic deposits to total assets | 85.0715% | 3,712 |
| Equity capital to assets | 14.7000% | 775 |
| Core capital (leverage) ratio | 9.4534% | 4,471 |
| Tier 1 risk-based capital ratio | 14.8324% | 3,855 |
| Total risk-based capital ratio | 16.1101% | 3,797 |
| Memoranda: | ||
| Average total assets | $56,964,500 | 5,903 |
| Average earning assets | $49,136,000 | 5,982 |
| Average equity | $7,690,750 | 5,474 |
| Average total loans | $35,839,250 | 5,554 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 1,469 |
| Cost of funding earning assets | 0.6323% | 2,662 |
| Net interest margin | 4.1041% | 1,530 |
| Noninterest income to average assets | 0.3344% | 5,015 |
| Noninterest expense to average assets | 3.6994% | 1,249 |
| Loan and lease loss provision to assets | 0.4068% | 758 |
| Net operating income to assets | -0.0862% | 6,395 |
| Return on assets (ROA) | -0.0862% | 6,444 |
| Pretax return on assets | -0.2138% | 6,505 |
| Return on Equity (ROE) | -0.6565% | 6,425 |
| Retained earnings to average equity (ytd only) | -0.6565% | 5,988 |
| Net charge-offs to loans | 0.6347% | 1,035 |
| Credit loss provision to net charge-offs | 101.7241% | 2,175 |
| Earnings coverage of net charge-offs (x) | 0.4828% | 4,375 |
| Efficiency ratio | 92.4712% | 862 |
| Assets per employee ($millions) | 2.0475% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 4,731 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 4,410 |
| Noncurrent loans to loans | 0.8759% | 4,168 |
| Net loans and leases to total assets | 64.2349% | 2,879 |
| Net loans and leases to deposits | 75.0333% | 3,003 |
| Net loans and leases to core deposits | 80.9072% | 2,923 |
| Total domestic deposits to total assets | 85.6086% | 3,575 |
| Equity capital to assets | 14.2268% | 897 |
| Core capital (leverage) ratio | 8.7252% | 5,379 |
| Tier 1 risk-based capital ratio | 14.0587% | 4,380 |
| Total risk-based capital ratio | 15.3096% | 4,341 |
| Memoranda: | ||
| Average total assets | $58,009,330 | 5,912 |
| Average earning assets | $50,290,670 | 5,986 |
| Average equity | $7,616,670 | 5,531 |
| Average total loans | $36,553,000 | 5,559 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,621 |
| Cost of funding earning assets | 0.6781% | 2,408 |
| Net interest margin | 3.9914% | 1,825 |
| Noninterest income to average assets | 0.4244% | 4,286 |
| Noninterest expense to average assets | 3.6313% | 1,367 |
| Loan and lease loss provision to assets | 0.2021% | 1,835 |
| Net operating income to assets | 0.0472% | 6,258 |
| Return on assets (ROA) | 0.0472% | 6,342 |
| Pretax return on assets | 0.0808% | 6,286 |
| Return on Equity (ROE) | 0.3737% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.3737% | 5,668 |
| Net charge-offs to loans | 0.1737% | 2,358 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 2,984 |
| Efficiency ratio | 90.3614% | 1,113 |
| Assets per employee ($millions) | 2.7060% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,708 |
| Loan loss allowance to noncurrent loans | 293.0380% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 4,806 |
| Noncurrent loans to loans | 0.4430% | 5,311 |
| Net loans and leases to total assets | 59.1289% | 3,579 |
| Net loans and leases to deposits | 67.8620% | 3,787 |
| Net loans and leases to core deposits | 73.9713% | 3,582 |
| Total domestic deposits to total assets | 87.1311% | 2,885 |
| Equity capital to assets | 12.7597% | 1,556 |
| Core capital (leverage) ratio | 7.8721% | 6,241 |
| Tier 1 risk-based capital ratio | 13.0532% | 5,178 |
| Total risk-based capital ratio | 14.3037% | 5,139 |
| Memoranda: | ||
| Average total assets | $59,372,500 | 5,918 |
| Average earning assets | $51,912,000 | 5,991 |
| Average equity | $7,492,500 | 5,622 |
| Average total loans | $36,849,000 | 5,582 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8250% | 351 |
| Cost of funding earning assets | 0.9012% | 1,926 |
| Net interest margin | 4.9238% | 432 |
| Noninterest income to average assets | 0.9060% | 1,842 |
| Noninterest expense to average assets | 4.2647% | 710 |
| Loan and lease loss provision to assets | 1.3540% | 253 |
| Net operating income to assets | -0.2637% | 6,414 |
| Return on assets (ROA) | -0.2637% | 6,473 |
| Pretax return on assets | -0.4091% | 6,530 |
| Return on Equity (ROE) | -2.1169% | 6,463 |
| Retained earnings to average equity (ytd only) | -4.1523% | 6,373 |
| Net charge-offs to loans | 2.2142% | 305 |
| Credit loss provision to net charge-offs | 83.6991% | 3,702 |
| Earnings coverage of net charge-offs (x) | 0.5841% | 5,195 |
| Efficiency ratio | 79.9805% | 2,150 |
| Assets per employee ($millions) | 2.6915% | 6,430 |
| Cash dividends to net income (ytd only)* | -96.1538% | 7,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,223 |
| Loan loss allowance to noncurrent loans | 367.2131% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,371 |
| Noncurrent loans to loans | 0.3208% | 5,685 |
| Net loans and leases to total assets | 63.4765% | 2,982 |
| Net loans and leases to deposits | 72.8840% | 3,272 |
| Net loans and leases to core deposits | 79.1155% | 3,133 |
| Total domestic deposits to total assets | 87.0926% | 2,785 |
| Equity capital to assets | 12.4785% | 1,731 |
| Core capital (leverage) ratio | 7.5984% | 6,446 |
| Tier 1 risk-based capital ratio | 11.4695% | 6,126 |
| Total risk-based capital ratio | 12.6836% | 6,114 |
| Memoranda: | ||
| Average total assets | $59,159,800 | 5,942 |
| Average earning assets | $51,708,000 | 5,990 |
| Average equity | $7,369,400 | 5,673 |
| Average total loans | $43,220,200 | 5,365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0213% | 276 |
| Cost of funding earning assets | 0.9396% | 1,917 |
| Net interest margin | 5.0817% | 350 |
| Noninterest income to average assets | 0.5771% | 3,430 |
| Noninterest expense to average assets | 4.6415% | 479 |
| Loan and lease loss provision to assets | 1.7538% | 165 |
| Net operating income to assets | -0.8070% | 6,812 |
| Return on assets (ROA) | -0.8070% | 6,835 |
| Pretax return on assets | -1.3683% | 6,936 |
| Return on Equity (ROE) | -6.4814% | 6,770 |
| Retained earnings to average equity (ytd only) | -9.1971% | 6,798 |
| Net charge-offs to loans | 2.7345% | 216 |
| Credit loss provision to net charge-offs | 85.2136% | 3,456 |
| Earnings coverage of net charge-offs (x) | 0.1873% | 5,233 |
| Efficiency ratio | 89.8206% | 1,051 |
| Assets per employee ($millions) | 2.6865% | 6,503 |
| Cash dividends to net income (ytd only)* | -41.9006% | 7,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,525 |
| Loan loss allowance to noncurrent loans | 104.9217% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 4,610 |
| Noncurrent loans to loans | 1.0948% | 4,241 |
| Net loans and leases to total assets | 68.2893% | 2,249 |
| Net loans and leases to deposits | 78.0254% | 2,656 |
| Net loans and leases to core deposits | 84.6338% | 2,626 |
| Total domestic deposits to total assets | 87.5218% | 2,337 |
| Equity capital to assets | 12.1686% | 2,135 |
| Core capital (leverage) ratio | 7.0698% | 6,785 |
| Tier 1 risk-based capital ratio | 10.4051% | 6,699 |
| Total risk-based capital ratio | 11.6205% | 6,686 |
| Memoranda: | ||
| Average total assets | $59,146,250 | 6,008 |
| Average earning assets | $51,792,500 | 6,057 |
| Average equity | $7,364,500 | 5,728 |
| Average total loans | $44,516,500 | 5,374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1810% | 226 |
| Cost of funding earning assets | 0.9243% | 2,232 |
| Net interest margin | 5.2567% | 260 |
| Noninterest income to average assets | 0.5206% | 3,785 |
| Noninterest expense to average assets | 5.0405% | 365 |
| Loan and lease loss provision to assets | 2.2650% | 105 |
| Net operating income to assets | -2.3022% | 7,110 |
| Return on assets (ROA) | -2.3022% | 7,116 |
| Pretax return on assets | -2.1704% | 7,088 |
| Return on Equity (ROE) | -18.3508% | 7,021 |
| Retained earnings to average equity (ytd only) | -22.3929% | 7,034 |
| Net charge-offs to loans | 2.7238% | 235 |
| Credit loss provision to net charge-offs | 107.5441% | 2,535 |
| Earnings coverage of net charge-offs (x) | 0.0449% | 5,062 |
| Efficiency ratio | 96.2475% | 692 |
| Assets per employee ($millions) | 2.9394% | 6,169 |
| Cash dividends to net income (ytd only)* | -22.0264% | 7,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 4,004 |
| Loan loss allowance to noncurrent loans | 254.2969% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 5,642 |
| Noncurrent loans to loans | 0.5900% | 5,331 |
| Net loans and leases to total assets | 72.6980% | 1,446 |
| Net loans and leases to deposits | 82.5421% | 2,039 |
| Net loans and leases to core deposits | 89.5016% | 2,032 |
| Total domestic deposits to total assets | 88.0739% | 2,094 |
| Equity capital to assets | 11.6795% | 2,429 |
| Core capital (leverage) ratio | 6.3761% | 6,950 |
| Tier 1 risk-based capital ratio | 9.2567% | 6,952 |
| Total risk-based capital ratio | 10.5123% | 6,952 |
| Memoranda: | ||
| Average total assets | $59,160,670 | 6,046 |
| Average earning assets | $51,933,670 | 6,093 |
| Average equity | $7,422,000 | 5,734 |
| Average total loans | $45,745,330 | 5,352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2037% | 229 |
| Cost of funding earning assets | 0.8917% | 2,756 |
| Net interest margin | 5.3120% | 242 |
| Noninterest income to average assets | 0.4785% | 4,077 |
| Noninterest expense to average assets | 3.7474% | 1,302 |
| Loan and lease loss provision to assets | 0.5055% | 1,201 |
| Net operating income to assets | 0.6336% | 4,203 |
| Return on assets (ROA) | 0.6336% | 4,414 |
| Pretax return on assets | 0.9234% | 3,956 |
| Return on Equity (ROE) | 4.8831% | 4,840 |
| Retained earnings to average equity (ytd only) | -2.9091% | 6,383 |
| Net charge-offs to loans | 0.1875% | 2,980 |
| Credit loss provision to net charge-offs | 340.9091% | 888 |
| Earnings coverage of net charge-offs (x) | 9.6364% | 1,824 |
| Efficiency ratio | 70.4427% | 3,729 |
| Assets per employee ($millions) | 3.6028% | 4,874 |
| Cash dividends to net income (ytd only)* | 159.5745% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 4,678 |
| Loan loss allowance to noncurrent loans | 42.1424% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 2.6450% | 2,236 |
| Noncurrent loans to loans | 3.2844% | 1,945 |
| Net loans and leases to total assets | 76.4282% | 757 |
| Net loans and leases to deposits | 87.5821% | 1,222 |
| Net loans and leases to core deposits | 103.0150% | 811 |
| Total domestic deposits to total assets | 87.2647% | 2,791 |
| Equity capital to assets | 12.5165% | 1,713 |
| Core capital (leverage) ratio | 7.8973% | 6,336 |
| Tier 1 risk-based capital ratio | 10.3199% | 6,790 |
| Total risk-based capital ratio | 11.5730% | 6,788 |
| Memoranda: | ||
| Average total assets | $59,347,500 | 6,084 |
| Average earning assets | $52,484,500 | 6,121 |
| Average equity | $7,700,000 | 5,684 |
| Average total loans | $46,924,000 | 5,345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6157% | 156 |
| Cost of funding earning assets | 0.8484% | 4,481 |
| Net interest margin | 5.7673% | 117 |
| Noninterest income to average assets | 0.4784% | 4,003 |
| Noninterest expense to average assets | 3.1259% | 3,110 |
| Loan and lease loss provision to assets | 0.4747% | 2,230 |
| Net operating income to assets | 1.3026% | 1,246 |
| Return on assets (ROA) | 1.3026% | 1,347 |
| Pretax return on assets | 2.0055% | 528 |
| Return on Equity (ROE) | 9.2221% | 2,356 |
| Retained earnings to average equity (ytd only) | 2.7093% | 4,309 |
| Net charge-offs to loans | 0.1321% | 5,094 |
| Credit loss provision to net charge-offs | 469.0909% | 481 |
| Earnings coverage of net charge-offs (x) | 24.5091% | 989 |
| Efficiency ratio | 53.8563% | 6,525 |
| Assets per employee ($millions) | 2.8724% | 6,333 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,895 |
| Loan loss allowance to noncurrent loans | 291.7874% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 5,690 |
| Noncurrent loans to loans | 0.4463% | 5,817 |
| Net loans and leases to total assets | 79.6842% | 529 |
| Net loans and leases to deposits | 92.2719% | 946 |
| Net loans and leases to core deposits | 114.1059% | 496 |
| Total domestic deposits to total assets | 86.3581% | 3,112 |
| Equity capital to assets | 13.4626% | 1,289 |
| Core capital (leverage) ratio | 8.3624% | 5,760 |
| Tier 1 risk-based capital ratio | 11.1584% | 6,367 |
| Total risk-based capital ratio | 12.4113% | 6,351 |
| Memoranda: | ||
| Average total assets | $54,351,600 | 6,217 |
| Average earning assets | $48,324,400 | 6,249 |
| Average equity | $7,677,200 | 5,669 |
| Average total loans | $41,645,400 | 5,612 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5483% | 185 |
| Cost of funding earning assets | 0.8430% | 4,821 |
| Net interest margin | 5.7054% | 132 |
| Noninterest income to average assets | 0.5077% | 3,811 |
| Noninterest expense to average assets | 3.0883% | 3,207 |
| Loan and lease loss provision to assets | 0.1344% | 4,756 |
| Net operating income to assets | 1.5205% | 892 |
| Return on assets (ROA) | 1.5205% | 972 |
| Pretax return on assets | 2.3716% | 313 |
| Return on Equity (ROE) | 10.6310% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.5412% | 3,487 |
| Net charge-offs to loans | 0.1087% | 4,913 |
| Credit loss provision to net charge-offs | 163.6364% | 1,867 |
| Earnings coverage of net charge-offs (x) | 30.5143% | 926 |
| Efficiency ratio | 53.2473% | 6,570 |
| Assets per employee ($millions) | 2.6315% | 6,741 |
| Cash dividends to net income (ytd only)* | 57.2835% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,393 |
| Loan loss allowance to noncurrent loans | 229.3478% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 6,238 |
| Noncurrent loans to loans | 0.4220% | 5,997 |
| Net loans and leases to total assets | 78.1314% | 695 |
| Net loans and leases to deposits | 91.3470% | 1,067 |
| Net loans and leases to core deposits | 108.9173% | 728 |
| Total domestic deposits to total assets | 85.5326% | 3,471 |
| Equity capital to assets | 14.1291% | 1,109 |
| Core capital (leverage) ratio | 8.8622% | 5,165 |
| Tier 1 risk-based capital ratio | 11.6982% | 6,109 |
| Total risk-based capital ratio | 12.7779% | 6,216 |
| Memoranda: | ||
| Average total assets | $53,577,500 | 6,293 |
| Average earning assets | $47,766,750 | 6,317 |
| Average equity | $7,663,000 | 5,701 |
| Average total loans | $40,461,500 | 5,722 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4522% | 218 |
| Cost of funding earning assets | 0.8414% | 5,122 |
| Net interest margin | 5.6108% | 149 |
| Noninterest income to average assets | 0.4980% | 3,871 |
| Noninterest expense to average assets | 3.0557% | 3,409 |
| Loan and lease loss provision to assets | 0.1358% | 4,611 |
| Net operating income to assets | 1.4637% | 952 |
| Return on assets (ROA) | 1.4637% | 1,016 |
| Pretax return on assets | 2.3125% | 343 |
| Return on Equity (ROE) | 10.1909% | 2,056 |
| Retained earnings to average equity (ytd only) | 2.3113% | 4,817 |
| Net charge-offs to loans | 0.1167% | 4,531 |
| Credit loss provision to net charge-offs | 156.5217% | 1,945 |
| Earnings coverage of net charge-offs (x) | 28.2174% | 966 |
| Efficiency ratio | 53.5298% | 6,664 |
| Assets per employee ($millions) | 2.6951% | 6,647 |
| Cash dividends to net income (ytd only)* | 77.3196% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,242 |
| Loan loss allowance to noncurrent loans | 20,750.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,126 |
| Noncurrent loans to loans | 0.0049% | 7,006 |
| Net loans and leases to total assets | 74.5329% | 1,319 |
| Net loans and leases to deposits | 87.2115% | 1,625 |
| Net loans and leases to core deposits | 98.5309% | 1,466 |
| Total domestic deposits to total assets | 85.4622% | 3,640 |
| Equity capital to assets | 14.1853% | 1,036 |
| Core capital (leverage) ratio | 8.7315% | 5,173 |
| Tier 1 risk-based capital ratio | 12.0490% | 5,747 |
| Total risk-based capital ratio | 13.1782% | 5,822 |
| Memoranda: | ||
| Average total assets | $53,016,000 | 6,365 |
| Average earning assets | $47,301,330 | 6,385 |
| Average equity | $7,614,670 | 5,731 |
| Average total loans | $39,415,670 | 5,824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3913% | 248 |
| Cost of funding earning assets | 0.8692% | 5,142 |
| Net interest margin | 5.5221% | 159 |
| Noninterest income to average assets | 0.4413% | 4,349 |
| Noninterest expense to average assets | 3.0205% | 3,556 |
| Loan and lease loss provision to assets | 0.1370% | 4,299 |
| Net operating income to assets | 1.3771% | 1,102 |
| Return on assets (ROA) | 1.3771% | 1,153 |
| Pretax return on assets | 2.2140% | 389 |
| Return on Equity (ROE) | 9.5276% | 2,272 |
| Retained earnings to average equity (ytd only) | 1.6318% | 5,137 |
| Net charge-offs to loans | 0.1030% | 3,926 |
| Credit loss provision to net charge-offs | 180.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | 30.9000% | 816 |
| Efficiency ratio | 54.1076% | 6,689 |
| Assets per employee ($millions) | 2.5131% | 6,971 |
| Cash dividends to net income (ytd only)* | 82.8729% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,311 |
| Loan loss allowance to noncurrent loans | 889.1304% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 6,945 |
| Noncurrent loans to loans | 0.1147% | 6,761 |
| Net loans and leases to total assets | 75.2307% | 1,143 |
| Net loans and leases to deposits | 88.3408% | 1,424 |
| Net loans and leases to core deposits | 102.6979% | 1,150 |
| Total domestic deposits to total assets | 85.1596% | 3,968 |
| Equity capital to assets | 14.4083% | 907 |
| Core capital (leverage) ratio | 9.0128% | 4,592 |
| Tier 1 risk-based capital ratio | 12.2185% | 5,502 |
| Total risk-based capital ratio | 13.3657% | 5,584 |
| Memoranda: | ||
| Average total assets | $52,573,500 | 6,436 |
| Average earning assets | $46,939,000 | 6,456 |
| Average equity | $7,599,000 | 5,743 |
| Average total loans | $38,829,000 | 5,898 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3241% | 442 |
| Cost of funding earning assets | 1.0415% | 5,472 |
| Net interest margin | 5.2826% | 248 |
| Noninterest income to average assets | 0.5757% | 3,621 |
| Noninterest expense to average assets | 2.5593% | 5,578 |
| Loan and lease loss provision to assets | 0.1762% | 5,466 |
| Net operating income to assets | 1.6429% | 577 |
| Return on assets (ROA) | 1.6429% | 623 |
| Pretax return on assets | 2.5181% | 180 |
| Return on Equity (ROE) | 11.1736% | 1,531 |
| Retained earnings to average equity (ytd only) | 3.6491% | 3,306 |
| Net charge-offs to loans | 0.0085% | 6,753 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 458.6667% | 48 |
| Efficiency ratio | 46.5524% | 7,336 |
| Assets per employee ($millions) | 2.6186% | 6,826 |
| Cash dividends to net income (ytd only)* | 67.3421% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 6,082 |
| Loan loss allowance to noncurrent loans | 2,358.8235% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 7,158 |
| Noncurrent loans to loans | 0.0453% | 7,015 |
| Net loans and leases to total assets | 70.9253% | 2,323 |
| Net loans and leases to deposits | 83.2848% | 2,570 |
| Net loans and leases to core deposits | 93.8574% | 2,276 |
| Total domestic deposits to total assets | 85.1600% | 3,774 |
| Equity capital to assets | 14.5001% | 903 |
| Core capital (leverage) ratio | 8.6379% | 5,129 |
| Tier 1 risk-based capital ratio | 12.8254% | 4,753 |
| Total risk-based capital ratio | 14.0184% | 4,771 |
| Memoranda: | ||
| Average total assets | $51,069,600 | 6,495 |
| Average earning assets | $45,224,000 | 6,531 |
| Average equity | $7,508,800 | 5,872 |
| Average total loans | $35,213,600 | 6,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2847% | 526 |
| Cost of funding earning assets | 1.0549% | 5,677 |
| Net interest margin | 5.2298% | 270 |
| Noninterest income to average assets | 0.5728% | 3,631 |
| Noninterest expense to average assets | 2.3595% | 6,153 |
| Loan and lease loss provision to assets | 0.1892% | 5,153 |
| Net operating income to assets | 1.7000% | 624 |
| Return on assets (ROA) | 1.7000% | 677 |
| Pretax return on assets | 2.6485% | 184 |
| Return on Equity (ROE) | 11.5212% | 1,643 |
| Retained earnings to average equity (ytd only) | 4.1313% | 3,564 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3994% | 7,410 |
| Assets per employee ($millions) | 3.1145% | 5,891 |
| Cash dividends to net income (ytd only)* | 64.1419% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,315 |
| 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 | 70.6669% | 2,573 |
| Net loans and leases to deposits | 82.9053% | 2,931 |
| Net loans and leases to core deposits | 93.2695% | 2,622 |
| Total domestic deposits to total assets | 85.2381% | 3,499 |
| Equity capital to assets | 14.3219% | 1,075 |
| Core capital (leverage) ratio | 8.5344% | 5,443 |
| Tier 1 risk-based capital ratio | 13.0567% | 4,533 |
| Total risk-based capital ratio | 14.2651% | 4,543 |
| Memoranda: | ||
| Average total assets | $50,744,000 | 6,583 |
| Average earning assets | $44,869,750 | 6,622 |
| Average equity | $7,487,500 | 5,950 |
| Average total loans | $34,630,500 | 6,259 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2003% | 622 |
| Cost of funding earning assets | 1.0606% | 5,867 |
| Net interest margin | 5.1397% | 320 |
| Noninterest income to average assets | 0.5999% | 3,333 |
| Noninterest expense to average assets | 2.2556% | 6,496 |
| Loan and lease loss provision to assets | 0.2160% | 4,731 |
| Net operating income to assets | 1.7197% | 569 |
| Return on assets (ROA) | 1.7197% | 623 |
| Pretax return on assets | 2.6635% | 182 |
| Return on Equity (ROE) | 11.5348% | 1,588 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,424 |
| Net charge-offs to loans | 0.0060% | 6,288 |
| Credit loss provision to net charge-offs | 5,400.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 720.0000% | 40 |
| Efficiency ratio | 43.9252% | 7,526 |
| Assets per employee ($millions) | 2.8415% | 6,477 |
| Cash dividends to net income (ytd only)* | 63.9535% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.7403% | 2,475 |
| Net loans and leases to deposits | 84.6007% | 2,768 |
| Net loans and leases to core deposits | 95.6369% | 2,482 |
| Total domestic deposits to total assets | 84.7987% | 3,727 |
| Equity capital to assets | 14.7145% | 948 |
| Core capital (leverage) ratio | 8.4808% | 5,442 |
| Tier 1 risk-based capital ratio | 13.0351% | 4,413 |
| Total risk-based capital ratio | 14.2111% | 4,439 |
| Memoranda: | ||
| Average total assets | $50,009,670 | 6,648 |
| Average earning assets | $44,126,670 | 6,695 |
| Average equity | $7,455,670 | 5,982 |
| Average total loans | $33,573,670 | 6,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0148% | 949 |
| Cost of funding earning assets | 1.0576% | 6,099 |
| Net interest margin | 4.9571% | 455 |
| Noninterest income to average assets | 0.5259% | 3,852 |
| Noninterest expense to average assets | 2.2411% | 6,579 |
| Loan and lease loss provision to assets | 0.1133% | 5,485 |
| Net operating income to assets | 1.5938% | 765 |
| Return on assets (ROA) | 1.5938% | 815 |
| Pretax return on assets | 2.5323% | 243 |
| Return on Equity (ROE) | 10.6192% | 1,902 |
| Retained earnings to average equity (ytd only) | 3.8811% | 3,815 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8609% | 7,555 |
| Assets per employee ($millions) | 3.2056% | 5,757 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.9596% | 4,537 |
| Net loans and leases to deposits | 75.5298% | 4,492 |
| Net loans and leases to core deposits | 75.5298% | 5,318 |
| Total domestic deposits to total assets | 83.3574% | 4,451 |
| Equity capital to assets | 14.5155% | 996 |
| Core capital (leverage) ratio | 8.7844% | 4,881 |
| Tier 1 risk-based capital ratio | 13.3600% | 4,082 |
| Total risk-based capital ratio | 14.4635% | 4,154 |
| Memoranda: | ||
| Average total assets | $49,441,000 | 6,751 |
| Average earning assets | $43,493,000 | 6,796 |
| Average equity | $7,420,500 | 6,048 |
| Average total loans | $31,830,500 | 6,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1879% | 1,262 |
| Cost of funding earning assets | 1.2804% | 6,376 |
| Net interest margin | 4.9075% | 545 |
| Noninterest income to average assets | 0.5824% | 3,763 |
| Noninterest expense to average assets | 2.4892% | 6,174 |
| Loan and lease loss provision to assets | 0.2518% | 5,383 |
| Net operating income to assets | 1.4548% | 747 |
| Return on assets (ROA) | 1.4548% | 811 |
| Pretax return on assets | 2.1677% | 297 |
| Return on Equity (ROE) | 8.7385% | 2,105 |
| Retained earnings to average equity (ytd only) | -0.4457% | 5,079 |
| Net charge-offs to loans | 0.0299% | 6,830 |
| Credit loss provision to net charge-offs | 1,400.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 214 |
| Efficiency ratio | 50.7100% | 7,495 |
| Assets per employee ($millions) | 2.7995% | 6,662 |
| Cash dividends to net income (ytd only)* | 105.1005% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.5634% | 4,479 |
| Net loans and leases to deposits | 78.3672% | 4,304 |
| Net loans and leases to core deposits | 103.5835% | 3,614 |
| Total domestic deposits to total assets | 82.3857% | 4,780 |
| Equity capital to assets | 15.5404% | 779 |
| Core capital (leverage) ratio | 8.8745% | 4,633 |
| Tier 1 risk-based capital ratio | 13.3903% | 3,893 |
| Total risk-based capital ratio | 14.4729% | 3,943 |
| Memoranda: | ||
| Average total assets | $44,472,000 | 6,932 |
| Average earning assets | $39,205,400 | 6,970 |
| Average equity | $7,404,000 | 6,124 |
| Average total loans | $26,795,000 | 6,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1218% | 1,573 |
| Cost of funding earning assets | 1.3219% | 6,484 |
| Net interest margin | 4.7998% | 680 |
| Noninterest income to average assets | 0.5798% | 3,855 |
| Noninterest expense to average assets | 2.4962% | 6,080 |
| Loan and lease loss provision to assets | 0.3021% | 4,557 |
| Net operating income to assets | 1.3824% | 1,062 |
| Return on assets (ROA) | 1.3824% | 1,124 |
| Pretax return on assets | 2.0140% | 527 |
| Return on Equity (ROE) | 8.1553% | 2,576 |
| Retained earnings to average equity (ytd only) | -1.3862% | 5,580 |
| Net charge-offs to loans | 0.0363% | 6,395 |
| Credit loss provision to net charge-offs | 1,414.2857% | 276 |
| Earnings coverage of net charge-offs (x) | 108.4641% | 334 |
| Efficiency ratio | 51.8706% | 7,424 |
| Assets per employee ($millions) | 3.0923% | 5,930 |
| Cash dividends to net income (ytd only)* | 116.9989% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.8776% | 4,892 |
| Net loans and leases to deposits | 78.0553% | 4,730 |
| Net loans and leases to core deposits | 101.3304% | 4,233 |
| Total domestic deposits to total assets | 81.8364% | 4,747 |
| Equity capital to assets | 15.9236% | 801 |
| Core capital (leverage) ratio | 8.9860% | 4,667 |
| Tier 1 risk-based capital ratio | 14.0847% | 3,496 |
| Total risk-based capital ratio | 15.1971% | 3,528 |
| Memoranda: | ||
| Average total assets | $43,692,000 | 7,009 |
| Average earning assets | $38,528,250 | 7,052 |
| Average equity | $7,406,000 | 6,186 |
| Average total loans | $25,733,500 | 6,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 2,349 |
| Cost of funding earning assets | 1.3757% | 6,562 |
| Net interest margin | 4.5821% | 996 |
| Noninterest income to average assets | 0.5748% | 3,871 |
| Noninterest expense to average assets | 2.5704% | 5,858 |
| Loan and lease loss provision to assets | 0.1542% | 5,528 |
| Net operating income to assets | 1.1964% | 1,486 |
| Return on assets (ROA) | 1.1964% | 1,569 |
| Pretax return on assets | 1.8974% | 698 |
| Return on Equity (ROE) | 6.9071% | 3,246 |
| Retained earnings to average equity (ytd only) | -3.3456% | 6,022 |
| Net charge-offs to loans | 0.0575% | 5,693 |
| Credit loss provision to net charge-offs | 471.4286% | 985 |
| Earnings coverage of net charge-offs (x) | 62.7143% | 573 |
| Efficiency ratio | 55.6117% | 7,154 |
| Assets per employee ($millions) | 2.9627% | 6,232 |
| Cash dividends to net income (ytd only)* | 148.4375% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 6,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.0540% | 5,670 |
| Net loans and leases to deposits | 78.4618% | 4,793 |
| Net loans and leases to core deposits | 91.4160% | 5,407 |
| Total domestic deposits to total assets | 76.5392% | 6,427 |
| Equity capital to assets | 16.5504% | 740 |
| Core capital (leverage) ratio | 9.4403% | 3,973 |
| Tier 1 risk-based capital ratio | 14.7303% | 3,131 |
| Total risk-based capital ratio | 15.6541% | 3,239 |
| Memoranda: | ||
| Average total assets | $42,794,670 | 7,102 |
| Average earning assets | $37,799,330 | 7,139 |
| Average equity | $7,412,670 | 6,213 |
| Average total loans | $24,334,330 | 7,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8570% | 3,006 |
| Cost of funding earning assets | 1.4480% | 6,581 |
| Net interest margin | 4.4090% | 1,325 |
| Noninterest income to average assets | 0.4956% | 4,361 |
| Noninterest expense to average assets | 2.4969% | 5,851 |
| Loan and lease loss provision to assets | 0.1048% | 5,628 |
| Net operating income to assets | 1.1246% | 1,878 |
| Return on assets (ROA) | 1.1246% | 2,004 |
| Pretax return on assets | 1.7821% | 1,012 |
| Return on Equity (ROE) | 6.3428% | 3,880 |
| Retained earnings to average equity (ytd only) | -8.7079% | 6,986 |
| Net charge-offs to loans | 0.1215% | 4,003 |
| Credit loss provision to net charge-offs | 157.1429% | 2,680 |
| Earnings coverage of net charge-offs (x) | 28.2857% | 1,110 |
| Efficiency ratio | 56.9565% | 6,840 |
| Assets per employee ($millions) | 2.8504% | 6,529 |
| Cash dividends to net income (ytd only)* | 237.2881% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,856 |
| 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% | 7,590 |
| Net loans and leases to total assets | 56.4950% | 6,168 |
| Net loans and leases to deposits | 71.4096% | 5,815 |
| Net loans and leases to core deposits | 83.1526% | 6,134 |
| Total domestic deposits to total assets | 79.1140% | 5,676 |
| Equity capital to assets | 17.1508% | 706 |
| Core capital (leverage) ratio | 9.5788% | 3,897 |
| Tier 1 risk-based capital ratio | 15.0995% | 3,014 |
| Total risk-based capital ratio | 15.9661% | 3,127 |
| Memoranda: | ||
| Average total assets | $41,972,000 | 7,166 |
| Average earning assets | $37,015,500 | 7,215 |
| Average equity | $7,441,500 | 6,247 |
| Average total loans | $23,039,500 | 7,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9402% | 5,851 |
| Cost of funding earning assets | 1.8848% | 6,776 |
| Net interest margin | 4.0554% | 2,890 |
| Noninterest income to average assets | 0.4850% | 4,746 |
| Noninterest expense to average assets | 2.3647% | 6,523 |
| Loan and lease loss provision to assets | 0.1485% | 5,459 |
| Net operating income to assets | 0.9863% | 2,604 |
| Return on assets (ROA) | 0.9863% | 2,484 |
| Pretax return on assets | 1.5618% | 1,511 |
| Return on Equity (ROE) | 5.7933% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.0671% | 3,253 |
| Net charge-offs to loans | -0.0200% | 7,927 |
| Credit loss provision to net charge-offs | -1,600.0000% | 7,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0296% | 6,692 |
| Assets per employee ($millions) | 2.7459% | 6,687 |
| Cash dividends to net income (ytd only)* | 47.0588% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,278 |
| Loan loss allowance to noncurrent loans | 101.9417% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 5,702 |
| Noncurrent loans to loans | 0.9488% | 4,707 |
| Net loans and leases to total assets | 52.2021% | 6,829 |
| Net loans and leases to deposits | 67.0314% | 6,559 |
| Net loans and leases to core deposits | 77.6265% | 6,763 |
| Total domestic deposits to total assets | 77.8771% | 5,754 |
| Equity capital to assets | 18.3306% | 615 |
| Core capital (leverage) ratio | 10.1588% | 3,313 |
| Tier 1 risk-based capital ratio | 17.9225% | 2,058 |
| Total risk-based capital ratio | 18.8981% | 2,074 |
| Memoranda: | ||
| Average total assets | $43,092,200 | 7,071 |
| Average earning assets | $38,146,800 | 7,127 |
| Average equity | $7,336,000 | 6,341 |
| Average total loans | $20,041,200 | 7,334 |