| 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 | 2.1723% | 4,952 |
| Cost of funding earning assets | 0.1834% | 4,722 |
| Net interest margin | 1.9888% | 4,888 |
| Noninterest income to average assets | 0.3601% | 3,312 |
| Noninterest expense to average assets | 2.2981% | 3,428 |
| Loan and lease loss provision to assets | -0.1363% | 5,006 |
| Net operating income to assets | 0.0960% | 4,705 |
| Return on assets (ROA) | 0.0960% | 4,730 |
| Pretax return on assets | 0.0960% | 4,729 |
| Return on Equity (ROE) | 1.0434% | 4,703 |
| Retained earnings to average equity (ytd only) | -0.4844% | 4,554 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8237% | 157 |
| Assets per employee ($millions) | 3.0784% | 4,818 |
| Cash dividends to net income (ytd only)* | 146.4286% | 99 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1778% | 2,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 21.3848% | 4,916 |
| Net loans and leases to deposits | 23.5810% | 4,931 |
| Net loans and leases to core deposits | 23.5810% | 4,933 |
| Total domestic deposits to total assets | 90.6869% | 235 |
| Equity capital to assets | 9.1557% | 3,995 |
| Core capital (leverage) ratio | 8.0499% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $38,872,000 | 4,812 |
| Average earning assets | $37,072,750 | 4,777 |
| Average equity | $3,578,000 | 4,898 |
| Average total loans | $8,699,000 | 4,938 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2779% | 4,995 |
| Cost of funding earning assets | 0.2130% | 4,728 |
| Net interest margin | 2.0648% | 4,929 |
| Noninterest income to average assets | 0.3741% | 3,235 |
| Noninterest expense to average assets | 2.4266% | 3,186 |
| Loan and lease loss provision to assets | -0.2078% | 5,042 |
| Net operating income to assets | 0.1195% | 4,662 |
| Return on assets (ROA) | 0.1195% | 4,695 |
| Pretax return on assets | 0.1195% | 4,706 |
| Return on Equity (ROE) | 1.2960% | 4,652 |
| Retained earnings to average equity (ytd only) | -1.0143% | 4,479 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7778% | 142 |
| Assets per employee ($millions) | 3.1123% | 4,818 |
| Cash dividends to net income (ytd only)* | 178.2609% | 134 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1019% | 3,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 22.4048% | 4,939 |
| Net loans and leases to deposits | 24.6996% | 4,959 |
| Net loans and leases to core deposits | 24.6996% | 4,960 |
| Total domestic deposits to total assets | 90.7093% | 221 |
| Equity capital to assets | 9.1102% | 3,987 |
| Core capital (leverage) ratio | 8.1547% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $38,489,667 | 4,840 |
| Average earning assets | $36,613,000 | 4,810 |
| Average equity | $3,549,333 | 4,932 |
| Average total loans | $8,712,000 | 4,970 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6086% | 5,032 |
| Cost of funding earning assets | 0.3036% | 4,652 |
| Net interest margin | 2.3050% | 4,915 |
| Noninterest income to average assets | 0.3840% | 3,206 |
| Noninterest expense to average assets | 2.4957% | 3,281 |
| Loan and lease loss provision to assets | -0.4266% | 5,096 |
| Net operating income to assets | 0.5013% | 3,890 |
| Return on assets (ROA) | 0.5013% | 3,951 |
| Pretax return on assets | 0.5013% | 4,120 |
| Return on Equity (ROE) | 5.4007% | 3,508 |
| Retained earnings to average equity (ytd only) | 0.6895% | 3,822 |
| Net charge-offs to loans | 0.0943% | 1,127 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,211 |
| Efficiency ratio | 97.0954% | 296 |
| Assets per employee ($millions) | 2.9375% | 4,820 |
| Cash dividends to net income (ytd only)* | 87.2340% | 901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2085% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 21.1931% | 5,002 |
| Net loans and leases to deposits | 23.4498% | 5,017 |
| Net loans and leases to core deposits | 23.4498% | 5,016 |
| Total domestic deposits to total assets | 90.3763% | 225 |
| Equity capital to assets | 9.4482% | 4,265 |
| Core capital (leverage) ratio | 8.7599% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5989% | 273 |
| Memoranda: |
| Average total assets | $37,504,500 | 4,888 |
| Average earning assets | $35,575,000 | 4,859 |
| Average equity | $3,481,000 | 4,980 |
| Average total loans | $8,485,000 | 5,018 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9543% | 5,070 |
| Cost of funding earning assets | 0.3113% | 4,704 |
| Net interest margin | 2.6430% | 4,872 |
| Noninterest income to average assets | 0.4318% | 3,096 |
| Noninterest expense to average assets | 2.6016% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3508% | 4,677 |
| Return on assets (ROA) | 0.3508% | 4,706 |
| Pretax return on assets | 0.3508% | 4,767 |
| Return on Equity (ROE) | 4.0653% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.2522% | 3,390 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1170% | 430 |
| Assets per employee ($millions) | 2.6301% | 4,963 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6063% | 963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 23.4561% | 5,041 |
| Net loans and leases to deposits | 25.8880% | 5,065 |
| Net loans and leases to core deposits | 25.8880% | 5,067 |
| Total domestic deposits to total assets | 90.6062% | 177 |
| Equity capital to assets | 9.1087% | 4,633 |
| Core capital (leverage) ratio | 8.8780% | 4,619 |
| Tier 1 risk-based capital ratio | 29.5620% | 490 |
| Total risk-based capital ratio | 30.8070% | 480 |
| Memoranda: |
| Average total assets | $37,054,400 | 4,941 |
| Average earning assets | $35,338,800 | 4,911 |
| Average equity | $3,197,800 | 5,062 |
| Average total loans | $9,639,400 | 5,059 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0310% | 5,144 |
| Cost of funding earning assets | 0.3125% | 4,767 |
| Net interest margin | 2.7185% | 4,926 |
| Noninterest income to average assets | 0.4383% | 3,086 |
| Noninterest expense to average assets | 2.5328% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4994% | 4,516 |
| Return on assets (ROA) | 0.4994% | 4,566 |
| Pretax return on assets | 0.4994% | 4,699 |
| Return on Equity (ROE) | 5.8672% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.7696% | 3,011 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5308% | 646 |
| Assets per employee ($millions) | 3.3893% | 4,602 |
| Cash dividends to net income (ytd only)* | 18.7072% | 3,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5418% | 1,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 24.1511% | 5,127 |
| Net loans and leases to deposits | 26.6714% | 5,145 |
| Net loans and leases to core deposits | 26.6714% | 5,149 |
| Total domestic deposits to total assets | 90.5504% | 164 |
| Equity capital to assets | 9.1385% | 4,704 |
| Core capital (leverage) ratio | 8.9566% | 4,667 |
| Tier 1 risk-based capital ratio | 28.2718% | 555 |
| Total risk-based capital ratio | 29.4938% | 539 |
| Memoranda: |
| Average total assets | $37,112,500 | 5,014 |
| Average earning assets | $35,410,750 | 4,980 |
| Average equity | $3,158,750 | 5,139 |
| Average total loans | $9,854,750 | 5,137 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0585% | 5,199 |
| Cost of funding earning assets | 0.3002% | 4,830 |
| Net interest margin | 2.7583% | 4,960 |
| Noninterest income to average assets | 0.4534% | 2,940 |
| Noninterest expense to average assets | 2.4827% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5991% | 4,304 |
| Return on assets (ROA) | 0.5991% | 4,347 |
| Pretax return on assets | 0.5991% | 4,544 |
| Return on Equity (ROE) | 7.2172% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.2172% | 1,719 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5604% | 923 |
| Assets per employee ($millions) | 2.6921% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3956% | 1,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 26.4314% | 5,146 |
| Net loans and leases to deposits | 29.0641% | 5,177 |
| Net loans and leases to core deposits | 29.0641% | 5,188 |
| Total domestic deposits to total assets | 90.9419% | 113 |
| Equity capital to assets | 8.7954% | 4,903 |
| Core capital (leverage) ratio | 8.7322% | 4,816 |
| Tier 1 risk-based capital ratio | 25.7179% | 709 |
| Total risk-based capital ratio | 26.8302% | 698 |
| Memoranda: |
| Average total assets | $37,056,000 | 5,050 |
| Average earning assets | $35,311,330 | 5,020 |
| Average equity | $3,076,000 | 5,184 |
| Average total loans | $10,091,330 | 5,180 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0648% | 5,255 |
| Cost of funding earning assets | 0.2859% | 4,884 |
| Net interest margin | 2.7789% | 5,007 |
| Noninterest income to average assets | 0.5117% | 2,485 |
| Noninterest expense to average assets | 2.5586% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5988% | 4,249 |
| Return on assets (ROA) | 0.5988% | 4,283 |
| Pretax return on assets | 0.5988% | 4,515 |
| Return on Equity (ROE) | 7.4412% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.4412% | 1,872 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 964 |
| Assets per employee ($millions) | 3.3575% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3934% | 1,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 27.0165% | 5,193 |
| Net loans and leases to deposits | 29.5364% | 5,227 |
| Net loans and leases to core deposits | 29.5364% | 5,238 |
| Total domestic deposits to total assets | 91.4683% | 103 |
| Equity capital to assets | 8.3530% | 5,065 |
| Core capital (leverage) ratio | 8.7848% | 4,803 |
| Tier 1 risk-based capital ratio | 24.3984% | 808 |
| Total risk-based capital ratio | 25.4721% | 804 |
| Memoranda: |
| Average total assets | $36,739,000 | 5,114 |
| Average earning assets | $34,977,500 | 5,078 |
| Average equity | $2,956,500 | 5,244 |
| Average total loans | $10,085,500 | 5,242 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8811% | 5,267 |
| Cost of funding earning assets | 0.2454% | 4,827 |
| Net interest margin | 2.6356% | 5,133 |
| Noninterest income to average assets | 0.5365% | 2,630 |
| Noninterest expense to average assets | 2.7603% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2835% | 5,030 |
| Return on assets (ROA) | 0.2835% | 5,026 |
| Pretax return on assets | 0.2835% | 5,060 |
| Return on Equity (ROE) | 3.7387% | 4,771 |
| Retained earnings to average equity (ytd only) | 2.8590% | 3,972 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6849% | 318 |
| Assets per employee ($millions) | 3.0454% | 4,967 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4027% | 1,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 27.1200% | 5,244 |
| Net loans and leases to deposits | 29.5084% | 5,277 |
| Net loans and leases to core deposits | 29.5084% | 5,281 |
| Total domestic deposits to total assets | 91.9059% | 78 |
| Equity capital to assets | 7.7384% | 5,237 |
| Core capital (leverage) ratio | 8.9257% | 4,720 |
| Tier 1 risk-based capital ratio | 24.4109% | 785 |
| Total risk-based capital ratio | 25.5039% | 785 |
| Memoranda: |
| Average total assets | $35,974,800 | 5,159 |
| Average earning assets | $34,223,200 | 5,125 |
| Average equity | $2,728,200 | 5,301 |
| Average total loans | $10,277,600 | 5,282 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8876% | 5,332 |
| Cost of funding earning assets | 0.2426% | 4,831 |
| Net interest margin | 2.6450% | 5,201 |
| Noninterest income to average assets | 0.4428% | 3,216 |
| Noninterest expense to average assets | 2.7870% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1712% | 5,213 |
| Return on assets (ROA) | 0.1712% | 5,206 |
| Pretax return on assets | 0.1712% | 5,217 |
| Return on Equity (ROE) | 2.2688% | 5,102 |
| Retained earnings to average equity (ytd only) | 1.0850% | 4,836 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2138% | 239 |
| Assets per employee ($millions) | 2.7415% | 5,191 |
| Cash dividends to net income (ytd only)* | 52.1767% | 1,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4900% | 1,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 26.1560% | 5,322 |
| Net loans and leases to deposits | 28.3034% | 5,360 |
| Net loans and leases to core deposits | 28.3034% | 5,361 |
| Total domestic deposits to total assets | 92.4130% | 59 |
| Equity capital to assets | 7.3316% | 5,340 |
| Core capital (leverage) ratio | 8.7752% | 4,900 |
| Tier 1 risk-based capital ratio | 25.4421% | 713 |
| Total risk-based capital ratio | 26.6020% | 707 |
| Memoranda: |
| Average total assets | $35,832,250 | 5,225 |
| Average earning assets | $34,075,750 | 5,195 |
| Average equity | $2,703,250 | 5,373 |
| Average total loans | $10,334,000 | 5,348 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8715% | 5,383 |
| Cost of funding earning assets | 0.2403% | 4,799 |
| Net interest margin | 2.6312% | 5,259 |
| Noninterest income to average assets | 0.4569% | 3,110 |
| Noninterest expense to average assets | 2.7969% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1616% | 5,255 |
| Return on assets (ROA) | 0.1616% | 5,248 |
| Pretax return on assets | 0.1616% | 5,263 |
| Return on Equity (ROE) | 2.1220% | 5,162 |
| Retained earnings to average equity (ytd only) | 0.3659% | 4,898 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5386% | 248 |
| Assets per employee ($millions) | 2.7371% | 5,243 |
| Cash dividends to net income (ytd only)* | 82.7586% | 651 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3711% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 28.5060% | 5,355 |
| Net loans and leases to deposits | 30.8645% | 5,388 |
| Net loans and leases to core deposits | 30.8645% | 5,399 |
| Total domestic deposits to total assets | 92.3585% | 58 |
| Equity capital to assets | 7.4588% | 5,382 |
| Core capital (leverage) ratio | 8.6655% | 4,980 |
| Tier 1 risk-based capital ratio | 23.6470% | 869 |
| Total risk-based capital ratio | 24.7309% | 861 |
| Memoranda: |
| Average total assets | $35,896,330 | 5,289 |
| Average earning assets | $34,129,000 | 5,257 |
| Average equity | $2,733,330 | 5,434 |
| Average total loans | $10,624,330 | 5,401 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8708% | 5,425 |
| Cost of funding earning assets | 0.2334% | 4,809 |
| Net interest margin | 2.6374% | 5,297 |
| Noninterest income to average assets | 0.4660% | 3,022 |
| Noninterest expense to average assets | 2.8402% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1331% | 5,305 |
| Return on assets (ROA) | 0.1331% | 5,300 |
| Pretax return on assets | 0.1331% | 5,318 |
| Return on Equity (ROE) | 1.7310% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.7310% | 4,432 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5224% | 260 |
| Assets per employee ($millions) | 2.4247% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3411% | 2,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 28.5200% | 5,399 |
| Net loans and leases to deposits | 30.8408% | 5,437 |
| Net loans and leases to core deposits | 30.8408% | 5,450 |
| Total domestic deposits to total assets | 92.4748% | 64 |
| Equity capital to assets | 7.3300% | 5,468 |
| Core capital (leverage) ratio | 8.5657% | 5,093 |
| Tier 1 risk-based capital ratio | 23.1887% | 922 |
| Total risk-based capital ratio | 24.2618% | 918 |
| Memoranda: |
| Average total assets | $36,053,500 | 5,346 |
| Average earning assets | $34,276,500 | 5,308 |
| Average equity | $2,773,000 | 5,485 |
| Average total loans | $10,794,500 | 5,458 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9087% | 5,410 |
| Cost of funding earning assets | 0.2357% | 4,683 |
| Net interest margin | 2.6731% | 5,300 |
| Noninterest income to average assets | 0.5152% | 2,911 |
| Noninterest expense to average assets | 2.8872% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1642% | 5,173 |
| Return on assets (ROA) | 0.1642% | 5,182 |
| Pretax return on assets | 0.1642% | 5,341 |
| Return on Equity (ROE) | 1.9522% | 5,065 |
| Retained earnings to average equity (ytd only) | 1.9522% | 4,153 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6197% | 277 |
| Assets per employee ($millions) | 2.3824% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2731% | 2,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 30.5966% | 5,427 |
| Net loans and leases to deposits | 33.3557% | 5,471 |
| Net loans and leases to core deposits | 33.3557% | 5,494 |
| Total domestic deposits to total assets | 91.7282% | 105 |
| Equity capital to assets | 8.0591% | 5,371 |
| Core capital (leverage) ratio | 8.5701% | 5,072 |
| Tier 1 risk-based capital ratio | 21.8412% | 1,039 |
| Total risk-based capital ratio | 22.8634% | 1,041 |
| Memoranda: |
| Average total assets | $35,328,600 | 5,406 |
| Average earning assets | $33,519,600 | 5,374 |
| Average equity | $2,971,000 | 5,532 |
| Average total loans | $12,091,200 | 5,502 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9329% | 5,462 |
| Cost of funding earning assets | 0.2354% | 4,699 |
| Net interest margin | 2.6975% | 5,323 |
| Noninterest income to average assets | 0.5299% | 2,838 |
| Noninterest expense to average assets | 2.8652% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2233% | 5,330 |
| Return on assets (ROA) | 0.2233% | 5,344 |
| Pretax return on assets | 0.2233% | 5,365 |
| Return on Equity (ROE) | 2.6275% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.6275% | 4,318 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7696% | 321 |
| Assets per employee ($millions) | 2.3005% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2283% | 2,751 |
| Loan loss allowance to noncurrent loans | 7,050.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,236 |
| Noncurrent loans to loans | 0.0174% | 5,062 |
| Net loans and leases to total assets | 32.8561% | 5,436 |
| Net loans and leases to deposits | 36.1728% | 5,493 |
| Net loans and leases to core deposits | 36.1728% | 5,522 |
| Total domestic deposits to total assets | 90.8311% | 226 |
| Equity capital to assets | 8.9429% | 4,961 |
| Core capital (leverage) ratio | 8.9623% | 4,782 |
| Tier 1 risk-based capital ratio | 22.4594% | 998 |
| Total risk-based capital ratio | 23.4903% | 1,001 |
| Memoranda: |
| Average total assets | $35,226,750 | 5,467 |
| Average earning assets | $33,413,250 | 5,437 |
| Average equity | $2,993,750 | 5,594 |
| Average total loans | $12,345,250 | 5,561 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9124% | 5,500 |
| Cost of funding earning assets | 0.2373% | 4,662 |
| Net interest margin | 2.6751% | 5,387 |
| Noninterest income to average assets | 0.5357% | 2,790 |
| Noninterest expense to average assets | 2.8309% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2481% | 5,328 |
| Return on assets (ROA) | 0.2481% | 5,342 |
| Pretax return on assets | 0.2481% | 5,392 |
| Return on Equity (ROE) | 2.9700% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.9700% | 3,950 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9414% | 365 |
| Assets per employee ($millions) | 2.3714% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1828% | 3,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 33.1169% | 5,475 |
| Net loans and leases to deposits | 36.3715% | 5,531 |
| Net loans and leases to core deposits | 36.3715% | 5,562 |
| Total domestic deposits to total assets | 91.0517% | 210 |
| Equity capital to assets | 8.6840% | 5,157 |
| Core capital (leverage) ratio | 8.5432% | 5,184 |
| Tier 1 risk-based capital ratio | 21.9659% | 1,058 |
| Total risk-based capital ratio | 22.9791% | 1,061 |
| Memoranda: |
| Average total assets | $35,466,330 | 5,515 |
| Average earning assets | $33,718,000 | 5,477 |
| Average equity | $2,963,000 | 5,642 |
| Average total loans | $12,634,000 | 5,603 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9304% | 5,520 |
| Cost of funding earning assets | 0.2373% | 4,660 |
| Net interest margin | 2.6931% | 5,402 |
| Noninterest income to average assets | 0.5760% | 2,533 |
| Noninterest expense to average assets | 2.8463% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2937% | 5,211 |
| Return on assets (ROA) | 0.2937% | 5,224 |
| Pretax return on assets | 0.2937% | 5,319 |
| Return on Equity (ROE) | 3.5862% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,646 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6475% | 523 |
| Assets per employee ($millions) | 2.2721% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1258% | 3,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 34.0632% | 5,467 |
| Net loans and leases to deposits | 37.1561% | 5,547 |
| Net loans and leases to core deposits | 37.1561% | 5,596 |
| Total domestic deposits to total assets | 91.6761% | 150 |
| Equity capital to assets | 8.1561% | 5,443 |
| Core capital (leverage) ratio | 8.6610% | 5,089 |
| Tier 1 risk-based capital ratio | 21.9004% | 1,096 |
| Total risk-based capital ratio | 22.9162% | 1,102 |
| Memoranda: |
| Average total assets | $35,414,000 | 5,577 |
| Average earning assets | $33,715,500 | 5,543 |
| Average equity | $2,900,000 | 5,706 |
| Average total loans | $12,990,500 | 5,658 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9550% | 5,533 |
| Cost of funding earning assets | 0.1964% | 5,049 |
| Net interest margin | 2.7586% | 5,343 |
| Noninterest income to average assets | 0.4643% | 3,456 |
| Noninterest expense to average assets | 2.9247% | 2,588 |
| Loan and lease loss provision to assets | -0.0946% | 5,683 |
| Net operating income to assets | 0.2514% | 5,319 |
| Return on assets (ROA) | 0.3430% | 5,182 |
| Pretax return on assets | 0.3430% | 5,312 |
| Return on Equity (ROE) | 3.7101% | 4,929 |
| Retained earnings to average equity (ytd only) | 0.2559% | 5,215 |
| Net charge-offs to loans | -0.0457% | 5,371 |
| Credit loss provision to net charge-offs | 533.3333% | 624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9136% | 347 |
| Assets per employee ($millions) | 2.2983% | 5,738 |
| Cash dividends to net income (ytd only)* | 93.1034% | 499 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0478% | 4,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 38.6251% | 5,374 |
| Net loans and leases to deposits | 42.1686% | 5,486 |
| Net loans and leases to core deposits | 42.1686% | 5,545 |
| Total domestic deposits to total assets | 91.5968% | 147 |
| Equity capital to assets | 8.2234% | 5,458 |
| Core capital (leverage) ratio | 8.6928% | 5,084 |
| Tier 1 risk-based capital ratio | 19.8117% | 1,418 |
| Total risk-based capital ratio | 20.7401% | 1,442 |
| Memoranda: |
| Average total assets | $33,815,000 | 5,652 |
| Average earning assets | $32,081,000 | 5,624 |
| Average equity | $3,126,600 | 5,745 |
| Average total loans | $13,137,400 | 5,710 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9631% | 5,599 |
| Cost of funding earning assets | 0.2006% | 5,057 |
| Net interest margin | 2.7625% | 5,416 |
| Noninterest income to average assets | 0.4755% | 3,405 |
| Noninterest expense to average assets | 2.9994% | 2,322 |
| Loan and lease loss provision to assets | -0.1268% | 5,818 |
| Net operating income to assets | 0.2219% | 5,432 |
| Return on assets (ROA) | 0.3289% | 5,296 |
| Pretax return on assets | 0.3289% | 5,413 |
| Return on Equity (ROE) | 3.4587% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.4587% | 3,823 |
| Net charge-offs to loans | -0.0613% | 5,428 |
| Credit loss provision to net charge-offs | 533.3333% | 670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9270% | 291 |
| Assets per employee ($millions) | 2.3717% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0194% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 41.2330% | 5,326 |
| Net loans and leases to deposits | 45.9599% | 5,456 |
| Net loans and leases to core deposits | 45.9599% | 5,512 |
| Total domestic deposits to total assets | 89.7151% | 586 |
| Equity capital to assets | 10.0199% | 4,110 |
| Core capital (leverage) ratio | 9.0823% | 4,740 |
| Tier 1 risk-based capital ratio | 19.5738% | 1,529 |
| Total risk-based capital ratio | 20.4707% | 1,580 |
| Memoranda: |
| Average total assets | $33,650,000 | 5,716 |
| Average earning assets | $31,903,000 | 5,689 |
| Average equity | $3,199,500 | 5,800 |
| Average total loans | $13,057,500 | 5,770 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9159% | 5,720 |
| Cost of funding earning assets | 0.1998% | 5,148 |
| Net interest margin | 2.7161% | 5,552 |
| Noninterest income to average assets | 0.4793% | 3,336 |
| Noninterest expense to average assets | 2.9646% | 2,469 |
| Loan and lease loss provision to assets | -0.1894% | 5,932 |
| Net operating income to assets | 0.2781% | 5,377 |
| Return on assets (ROA) | 0.4320% | 5,020 |
| Pretax return on assets | 0.4320% | 5,279 |
| Return on Equity (ROE) | 4.6246% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.6246% | 2,962 |
| Net charge-offs to loans | -0.0938% | 5,593 |
| Credit loss provision to net charge-offs | 533.3333% | 625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0930% | 310 |
| Assets per employee ($millions) | 2.2847% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1142% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 36.7745% | 5,571 |
| Net loans and leases to deposits | 40.8790% | 5,658 |
| Net loans and leases to core deposits | 40.8790% | 5,713 |
| Total domestic deposits to total assets | 89.9594% | 503 |
| Equity capital to assets | 9.7750% | 4,481 |
| Core capital (leverage) ratio | 8.9237% | 4,915 |
| Tier 1 risk-based capital ratio | 19.8127% | 1,496 |
| Total risk-based capital ratio | 20.7300% | 1,536 |
| Memoranda: |
| Average total assets | $33,798,670 | 5,781 |
| Average earning assets | $32,031,000 | 5,751 |
| Average equity | $3,157,000 | 5,870 |
| Average total loans | $12,799,330 | 5,847 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9299% | 5,755 |
| Cost of funding earning assets | 0.2012% | 5,195 |
| Net interest margin | 2.7287% | 5,576 |
| Noninterest income to average assets | 0.5482% | 2,815 |
| Noninterest expense to average assets | 3.0629% | 2,201 |
| Loan and lease loss provision to assets | -0.3814% | 6,066 |
| Net operating income to assets | 0.4529% | 4,822 |
| Return on assets (ROA) | 0.4529% | 4,906 |
| Pretax return on assets | 0.4529% | 5,207 |
| Return on Equity (ROE) | 4.9665% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.9665% | 2,966 |
| Net charge-offs to loans | -0.1871% | 5,829 |
| Credit loss provision to net charge-offs | 533.3333% | 577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7186% | 351 |
| Assets per employee ($millions) | 2.1583% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1274% | 3,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 36.0612% | 5,636 |
| Net loans and leases to deposits | 39.7783% | 5,722 |
| Net loans and leases to core deposits | 39.7783% | 5,777 |
| Total domestic deposits to total assets | 90.6553% | 377 |
| Equity capital to assets | 9.1594% | 5,031 |
| Core capital (leverage) ratio | 9.0305% | 4,814 |
| Tier 1 risk-based capital ratio | 20.2214% | 1,456 |
| Total risk-based capital ratio | 21.1685% | 1,486 |
| Memoranda: |
| Average total assets | $33,562,500 | 5,843 |
| Average earning assets | $31,809,500 | 5,815 |
| Average equity | $3,060,500 | 5,939 |
| Average total loans | $12,826,500 | 5,904 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0233% | 5,707 |
| Cost of funding earning assets | 0.2210% | 5,086 |
| Net interest margin | 2.8023% | 5,507 |
| Noninterest income to average assets | 0.4818% | 3,453 |
| Noninterest expense to average assets | 3.0999% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0333% | 5,841 |
| Return on assets (ROA) | 0.0576% | 5,843 |
| Pretax return on assets | 0.0576% | 5,841 |
| Return on Equity (ROE) | 0.6350% | 5,822 |
| Retained earnings to average equity (ytd only) | 0.6350% | 5,260 |
| Net charge-offs to loans | -0.0300% | 5,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9362% | 309 |
| Assets per employee ($millions) | 1.9172% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2789% | 3,018 |
| Loan loss allowance to noncurrent loans | 167.0000% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 4,375 |
| Noncurrent loans to loans | 0.7658% | 2,882 |
| Net loans and leases to total assets | 39.5527% | 5,543 |
| Net loans and leases to deposits | 43.6155% | 5,661 |
| Net loans and leases to core deposits | 43.6155% | 5,726 |
| Total domestic deposits to total assets | 90.6848% | 385 |
| Equity capital to assets | 9.0758% | 5,043 |
| Core capital (leverage) ratio | 9.1421% | 4,699 |
| Tier 1 risk-based capital ratio | 19.7240% | 1,537 |
| Total risk-based capital ratio | 20.8216% | 1,539 |
| Memoranda: |
| Average total assets | $33,001,200 | 5,912 |
| Average earning assets | $31,224,600 | 5,873 |
| Average equity | $2,992,200 | 6,006 |
| Average total loans | $13,331,600 | 5,943 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9964% | 5,812 |
| Cost of funding earning assets | 0.2085% | 5,304 |
| Net interest margin | 2.7878% | 5,606 |
| Noninterest income to average assets | 0.4954% | 3,400 |
| Noninterest expense to average assets | 3.1215% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0121% | 5,927 |
| Return on assets (ROA) | 0.0121% | 5,961 |
| Pretax return on assets | 0.0121% | 5,958 |
| Return on Equity (ROE) | 0.1333% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.1333% | 5,566 |
| Net charge-offs to loans | -0.0995% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6144% | 306 |
| Assets per employee ($millions) | 2.3307% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2812% | 3,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.8520% | 5,555 |
| Net loans and leases to deposits | 45.1941% | 5,681 |
| Net loans and leases to core deposits | 45.1941% | 5,759 |
| Total domestic deposits to total assets | 90.3923% | 429 |
| Equity capital to assets | 9.3809% | 4,905 |
| Core capital (leverage) ratio | 9.0539% | 4,931 |
| Tier 1 risk-based capital ratio | 19.0048% | 1,775 |
| Total risk-based capital ratio | 20.1070% | 1,775 |
| Memoranda: |
| Average total assets | $33,103,500 | 5,991 |
| Average earning assets | $31,326,000 | 5,948 |
| Average equity | $3,000,750 | 6,087 |
| Average total loans | $13,400,000 | 6,018 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9406% | 5,909 |
| Cost of funding earning assets | 0.2032% | 5,408 |
| Net interest margin | 2.7373% | 5,726 |
| Noninterest income to average assets | 0.4871% | 3,460 |
| Noninterest expense to average assets | 3.0967% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0180% | 6,007 |
| Return on assets (ROA) | -0.0180% | 6,037 |
| Pretax return on assets | -0.0180% | 6,029 |
| Return on Equity (ROE) | -0.2013% | 6,039 |
| Retained earnings to average equity (ytd only) | -0.2013% | 5,541 |
| Net charge-offs to loans | -0.1047% | 5,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5859% | 308 |
| Assets per employee ($millions) | 2.0833% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2163% | 3,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 41.4227% | 5,538 |
| Net loans and leases to deposits | 45.9896% | 5,676 |
| Net loans and leases to core deposits | 45.9896% | 5,765 |
| Total domestic deposits to total assets | 90.0696% | 632 |
| Equity capital to assets | 8.7844% | 5,446 |
| Core capital (leverage) ratio | 8.7837% | 5,245 |
| Tier 1 risk-based capital ratio | 18.5066% | 1,918 |
| Total risk-based capital ratio | 19.5627% | 1,941 |
| Memoranda: |
| Average total assets | $33,261,330 | 6,054 |
| Average earning assets | $31,490,670 | 6,013 |
| Average equity | $2,980,670 | 6,151 |
| Average total loans | $13,365,670 | 6,086 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8616% | 6,021 |
| Cost of funding earning assets | 0.2289% | 5,230 |
| Net interest margin | 2.6327% | 5,887 |
| Noninterest income to average assets | 0.5297% | 3,093 |
| Noninterest expense to average assets | 2.9856% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0361% | 5,973 |
| Return on assets (ROA) | 0.0361% | 6,014 |
| Pretax return on assets | 0.0361% | 6,010 |
| Return on Equity (ROE) | 0.3991% | 5,998 |
| Retained earnings to average equity (ytd only) | 0.3991% | 5,246 |
| Net charge-offs to loans | -0.0919% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8048% | 405 |
| Assets per employee ($millions) | 2.1246% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3043% | 3,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 37.1742% | 5,764 |
| Net loans and leases to deposits | 40.9920% | 5,878 |
| Net loans and leases to core deposits | 40.9920% | 5,939 |
| Total domestic deposits to total assets | 90.6866% | 471 |
| Equity capital to assets | 9.0428% | 5,240 |
| Core capital (leverage) ratio | 8.9691% | 4,987 |
| Tier 1 risk-based capital ratio | 19.4767% | 1,739 |
| Total risk-based capital ratio | 20.5664% | 1,742 |
| Memoranda: |
| Average total assets | $33,226,000 | 6,117 |
| Average earning assets | $31,451,000 | 6,077 |
| Average equity | $3,007,000 | 6,206 |
| Average total loans | $13,060,000 | 6,151 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9416% | 6,104 |
| Cost of funding earning assets | 0.2124% | 5,648 |
| Net interest margin | 2.7292% | 5,898 |
| Noninterest income to average assets | 0.3317% | 4,737 |
| Noninterest expense to average assets | 3.0745% | 2,607 |
| Loan and lease loss provision to assets | -0.1718% | 6,254 |
| Net operating income to assets | -0.0207% | 6,108 |
| Return on assets (ROA) | -0.0207% | 6,119 |
| Pretax return on assets | -0.0207% | 6,107 |
| Return on Equity (ROE) | -0.2418% | 6,122 |
| Retained earnings to average equity (ytd only) | -0.2418% | 5,808 |
| Net charge-offs to loans | -0.0876% | 6,081 |
| Credit loss provision to net charge-offs | 483.3333% | 541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6804% | 257 |
| Assets per employee ($millions) | 2.1639% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2241% | 3,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 5,071 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.5231% | 5,709 |
| Net loans and leases to deposits | 44.6788% | 5,856 |
| Net loans and leases to core deposits | 44.6788% | 5,935 |
| Total domestic deposits to total assets | 90.6987% | 465 |
| Equity capital to assets | 9.0579% | 5,225 |
| Core capital (leverage) ratio | 9.1145% | 4,802 |
| Tier 1 risk-based capital ratio | 18.9707% | 1,855 |
| Total risk-based capital ratio | 20.0076% | 1,884 |
| Memoranda: |
| Average total assets | $33,761,400 | 6,179 |
| Average earning assets | $31,547,200 | 6,154 |
| Average equity | $2,895,000 | 6,293 |
| Average total loans | $13,696,200 | 6,204 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9213% | 6,186 |
| Cost of funding earning assets | 0.2015% | 5,814 |
| Net interest margin | 2.7198% | 5,981 |
| Noninterest income to average assets | 0.2777% | 5,216 |
| Noninterest expense to average assets | 3.0666% | 2,575 |
| Loan and lease loss provision to assets | -0.2269% | 6,409 |
| Net operating income to assets | -0.0274% | 6,160 |
| Return on assets (ROA) | -0.0274% | 6,174 |
| Pretax return on assets | -0.0274% | 6,161 |
| Return on Equity (ROE) | -0.3235% | 6,179 |
| Retained earnings to average equity (ytd only) | -0.3235% | 5,854 |
| Net charge-offs to loans | -0.0870% | 6,097 |
| Credit loss provision to net charge-offs | 644.4444% | 462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0403% | 229 |
| Assets per employee ($millions) | 2.1814% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1647% | 4,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 5,273 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.4932% | 5,717 |
| Net loans and leases to deposits | 45.7215% | 5,884 |
| Net loans and leases to core deposits | 45.7215% | 5,965 |
| Total domestic deposits to total assets | 90.7521% | 436 |
| Equity capital to assets | 8.9025% | 5,457 |
| Core capital (leverage) ratio | 9.1509% | 4,851 |
| Tier 1 risk-based capital ratio | 18.5351% | 2,040 |
| Total risk-based capital ratio | 19.5299% | 2,085 |
| Memoranda: |
| Average total assets | $34,087,250 | 6,252 |
| Average earning assets | $31,765,750 | 6,224 |
| Average equity | $2,883,750 | 6,363 |
| Average total loans | $13,791,250 | 6,270 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8790% | 6,271 |
| Cost of funding earning assets | 0.2119% | 5,812 |
| Net interest margin | 2.6672% | 6,087 |
| Noninterest income to average assets | 0.5964% | 2,833 |
| Noninterest expense to average assets | 3.1497% | 2,332 |
| Loan and lease loss provision to assets | -0.1100% | 6,390 |
| Net operating income to assets | 0.0347% | 6,153 |
| Return on assets (ROA) | 0.0347% | 6,180 |
| Pretax return on assets | 0.0347% | 6,168 |
| Return on Equity (ROE) | 0.4175% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.4175% | 5,572 |
| Net charge-offs to loans | -0.1014% | 6,145 |
| Credit loss provision to net charge-offs | 271.4286% | 929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4482% | 347 |
| Assets per employee ($millions) | 2.2431% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4473% | 3,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 2,675 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.8710% | 5,825 |
| Net loans and leases to deposits | 43.8499% | 5,993 |
| Net loans and leases to core deposits | 43.8499% | 6,068 |
| Total domestic deposits to total assets | 90.9261% | 438 |
| Equity capital to assets | 8.7053% | 5,609 |
| Core capital (leverage) ratio | 8.7026% | 5,388 |
| Tier 1 risk-based capital ratio | 18.1197% | 2,197 |
| Total risk-based capital ratio | 19.3115% | 2,191 |
| Memoranda: |
| Average total assets | $34,542,670 | 6,300 |
| Average earning assets | $32,094,000 | 6,275 |
| Average equity | $2,874,000 | 6,419 |
| Average total loans | $13,809,330 | 6,326 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7980% | 6,401 |
| Cost of funding earning assets | 0.2209% | 5,844 |
| Net interest margin | 2.5771% | 6,265 |
| Noninterest income to average assets | 0.4916% | 3,481 |
| Noninterest expense to average assets | 3.0636% | 2,644 |
| Loan and lease loss provision to assets | -0.2058% | 6,569 |
| Net operating income to assets | 0.0343% | 6,157 |
| Return on assets (ROA) | 0.0343% | 6,176 |
| Pretax return on assets | 0.0343% | 6,172 |
| Return on Equity (ROE) | 0.4216% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.4216% | 5,409 |
| Net charge-offs to loans | -0.0863% | 6,060 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9289% | 338 |
| Assets per employee ($millions) | 2.2586% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4267% | 3,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 1,954 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.0922% | 6,013 |
| Net loans and leases to deposits | 40.4417% | 6,159 |
| Net loans and leases to core deposits | 40.4417% | 6,219 |
| Total domestic deposits to total assets | 91.7176% | 325 |
| Equity capital to assets | 7.9116% | 6,108 |
| Core capital (leverage) ratio | 8.5077% | 5,628 |
| Tier 1 risk-based capital ratio | 18.1542% | 2,229 |
| Total risk-based capital ratio | 19.3314% | 2,237 |
| Memoranda: |
| Average total assets | $34,991,000 | 6,353 |
| Average earning assets | $32,594,500 | 6,327 |
| Average equity | $2,846,500 | 6,480 |
| Average total loans | $13,908,000 | 6,383 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8738% | 6,446 |
| Cost of funding earning assets | 0.2834% | 5,735 |
| Net interest margin | 2.5904% | 6,274 |
| Noninterest income to average assets | 0.4403% | 4,156 |
| Noninterest expense to average assets | 3.0995% | 2,735 |
| Loan and lease loss provision to assets | -0.3574% | 6,703 |
| Net operating income to assets | 0.1029% | 6,041 |
| Return on assets (ROA) | 0.1029% | 6,090 |
| Pretax return on assets | 0.1029% | 6,086 |
| Return on Equity (ROE) | 1.2555% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.2555% | 5,262 |
| Net charge-offs to loans | -0.0980% | 6,472 |
| Credit loss provision to net charge-offs | 892.8571% | 283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9447% | 286 |
| Assets per employee ($millions) | 1.9909% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4700% | 3,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9176% | 1,884 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 41.3916% | 5,860 |
| Net loans and leases to deposits | 45.3278% | 6,056 |
| Net loans and leases to core deposits | 45.3278% | 6,170 |
| Total domestic deposits to total assets | 91.3163% | 464 |
| Equity capital to assets | 8.3735% | 5,717 |
| Core capital (leverage) ratio | 8.5169% | 5,650 |
| Tier 1 risk-based capital ratio | 18.1217% | 2,213 |
| Total risk-based capital ratio | 19.3707% | 2,173 |
| Memoranda: |
| Average total assets | $34,973,600 | 6,417 |
| Average earning assets | $32,465,600 | 6,389 |
| Average equity | $2,867,400 | 6,554 |
| Average total loans | $14,284,000 | 6,445 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8532% | 6,529 |
| Cost of funding earning assets | 0.2935% | 5,780 |
| Net interest margin | 2.5597% | 6,365 |
| Noninterest income to average assets | 0.4198% | 4,371 |
| Noninterest expense to average assets | 3.1162% | 2,602 |
| Loan and lease loss provision to assets | -0.4727% | 6,827 |
| Net operating income to assets | 0.1513% | 6,036 |
| Return on assets (ROA) | 0.1513% | 6,105 |
| Pretax return on assets | 0.1513% | 6,132 |
| Return on Equity (ROE) | 1.8545% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.8545% | 5,205 |
| Net charge-offs to loans | -0.0932% | 6,484 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5020% | 250 |
| Assets per employee ($millions) | 2.0147% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3925% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8949% | 2,139 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 42.3854% | 5,871 |
| Net loans and leases to deposits | 46.5005% | 6,064 |
| Net loans and leases to core deposits | 46.5005% | 6,193 |
| Total domestic deposits to total assets | 91.1504% | 471 |
| Equity capital to assets | 8.3825% | 5,845 |
| Core capital (leverage) ratio | 8.5887% | 5,674 |
| Tier 1 risk-based capital ratio | 17.7848% | 2,413 |
| Total risk-based capital ratio | 19.0029% | 2,387 |
| Memoranda: |
| Average total assets | $35,255,750 | 6,479 |
| Average earning assets | $32,710,750 | 6,454 |
| Average equity | $2,875,750 | 6,627 |
| Average total loans | $14,300,500 | 6,511 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7758% | 6,619 |
| Cost of funding earning assets | 0.3084% | 5,761 |
| Net interest margin | 2.4674% | 6,481 |
| Noninterest income to average assets | 0.1292% | 6,410 |
| Noninterest expense to average assets | 3.0907% | 2,689 |
| Loan and lease loss provision to assets | -0.6238% | 6,886 |
| Net operating income to assets | -0.0450% | 6,352 |
| Return on assets (ROA) | -0.0450% | 6,401 |
| Pretax return on assets | -0.0450% | 6,388 |
| Return on Equity (ROE) | -0.5561% | 6,418 |
| Retained earnings to average equity (ytd only) | -0.5561% | 5,971 |
| Net charge-offs to loans | -0.0424% | 6,210 |
| Credit loss provision to net charge-offs | 3,700.0000% | 83 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.6102% | 145 |
| Assets per employee ($millions) | 2.1252% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4812% | 3,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 2,416 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.0307% | 6,108 |
| Net loans and leases to deposits | 42.4345% | 6,304 |
| Net loans and leases to core deposits | 42.4345% | 6,389 |
| Total domestic deposits to total assets | 91.9785% | 252 |
| Equity capital to assets | 7.6229% | 6,403 |
| Core capital (leverage) ratio | 8.1678% | 6,040 |
| Tier 1 risk-based capital ratio | 17.5311% | 2,502 |
| Total risk-based capital ratio | 18.7816% | 2,468 |
| Memoranda: |
| Average total assets | $35,591,000 | 6,519 |
| Average earning assets | $33,071,330 | 6,495 |
| Average equity | $2,877,330 | 6,680 |
| Average total loans | $14,160,000 | 6,559 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7821% | 6,688 |
| Cost of funding earning assets | 0.3417% | 5,627 |
| Net interest margin | 2.4405% | 6,562 |
| Noninterest income to average assets | -0.2491% | 6,960 |
| Noninterest expense to average assets | 3.1481% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.1324% | 6,839 |
| Return on assets (ROA) | -1.1324% | 6,846 |
| Pretax return on assets | -1.1324% | 6,830 |
| Return on Equity (ROE) | -13.6101% | 6,853 |
| Retained earnings to average equity (ytd only) | -13.6101% | 6,715 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.1798% | 78 |
| Assets per employee ($millions) | 2.3159% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3050% | 1,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7515% | 2,667 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.6033% | 6,254 |
| Net loans and leases to deposits | 39.8736% | 6,424 |
| Net loans and leases to core deposits | 39.8736% | 6,488 |
| Total domestic deposits to total assets | 91.7985% | 286 |
| Equity capital to assets | 7.7886% | 6,475 |
| Core capital (leverage) ratio | 8.1636% | 5,975 |
| Tier 1 risk-based capital ratio | 17.7425% | 2,468 |
| Total risk-based capital ratio | 18.9988% | 2,430 |
| Memoranda: |
| Average total assets | $35,322,500 | 6,586 |
| Average earning assets | $32,780,500 | 6,558 |
| Average equity | $2,939,000 | 6,737 |
| Average total loans | $14,083,500 | 6,618 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2942% | 6,589 |
| Cost of funding earning assets | 0.4521% | 5,571 |
| Net interest margin | 2.8421% | 6,331 |
| Noninterest income to average assets | 0.0326% | 6,745 |
| Noninterest expense to average assets | 3.4796% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.8388% | 6,686 |
| Return on assets (ROA) | -0.8269% | 6,706 |
| Pretax return on assets | -0.8269% | 6,683 |
| Return on Equity (ROE) | -8.7269% | 6,698 |
| Retained earnings to average equity (ytd only) | -8.7269% | 6,600 |
| Net charge-offs to loans | 0.0408% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -47.1667% | 5,973 |
| Efficiency ratio | 131.7621% | 152 |
| Assets per employee ($millions) | 1.9759% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2403% | 1,479 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 2.1702% | 2,266 |
| Noncurrent loans to loans | 0.0280% | 6,448 |
| Net loans and leases to total assets | 41.5707% | 6,037 |
| Net loans and leases to deposits | 45.7446% | 6,269 |
| Net loans and leases to core deposits | 45.7446% | 6,389 |
| Total domestic deposits to total assets | 90.8755% | 538 |
| Equity capital to assets | 8.9071% | 5,626 |
| Core capital (leverage) ratio | 8.7745% | 5,220 |
| Tier 1 risk-based capital ratio | 17.7714% | 2,352 |
| Total risk-based capital ratio | 19.0296% | 2,313 |
| Memoranda: |
| Average total assets | $33,739,600 | 6,665 |
| Average earning assets | $30,963,200 | 6,638 |
| Average equity | $3,197,000 | 6,744 |
| Average total loans | $14,716,400 | 6,675 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3217% | 6,713 |
| Cost of funding earning assets | 0.4739% | 5,603 |
| Net interest margin | 2.8478% | 6,441 |
| Noninterest income to average assets | 0.3750% | 4,827 |
| Noninterest expense to average assets | 3.5211% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.5368% | 6,715 |
| Return on assets (ROA) | -0.5211% | 6,741 |
| Pretax return on assets | -0.5211% | 6,711 |
| Return on Equity (ROE) | -5.4183% | 6,728 |
| Retained earnings to average equity (ytd only) | -5.4183% | 6,638 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9894% | 210 |
| Assets per employee ($millions) | 1.9514% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1791% | 1,746 |
| Loan loss allowance to noncurrent loans | 8,150.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 2.6347% | 2,004 |
| Noncurrent loans to loans | 0.0267% | 6,563 |
| Net loans and leases to total assets | 44.1142% | 5,962 |
| Net loans and leases to deposits | 48.9579% | 6,194 |
| Net loans and leases to core deposits | 48.9579% | 6,353 |
| Total domestic deposits to total assets | 90.1064% | 792 |
| Equity capital to assets | 9.5228% | 5,174 |
| Core capital (leverage) ratio | 9.2557% | 4,671 |
| Tier 1 risk-based capital ratio | 18.3699% | 2,208 |
| Total risk-based capital ratio | 19.6266% | 2,178 |
| Memoranda: |
| Average total assets | $33,776,750 | 6,742 |
| Average earning assets | $30,947,500 | 6,725 |
| Average equity | $3,248,250 | 6,824 |
| Average total loans | $14,824,500 | 6,754 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3229% | 6,800 |
| Cost of funding earning assets | 0.4875% | 5,702 |
| Net interest margin | 2.8354% | 6,524 |
| Noninterest income to average assets | 0.7063% | 2,631 |
| Noninterest expense to average assets | 3.4964% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1884% | 6,530 |
| Return on assets (ROA) | -0.1648% | 6,591 |
| Pretax return on assets | -0.1648% | 6,566 |
| Return on Equity (ROE) | -1.7084% | 6,600 |
| Retained earnings to average equity (ytd only) | -1.7084% | 6,319 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6940% | 403 |
| Assets per employee ($millions) | 1.9281% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1935% | 1,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7518% | 2,004 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 41.8845% | 6,195 |
| Net loans and leases to deposits | 46.3831% | 6,410 |
| Net loans and leases to core deposits | 46.3831% | 6,556 |
| Total domestic deposits to total assets | 90.3011% | 764 |
| Equity capital to assets | 9.4136% | 5,175 |
| Core capital (leverage) ratio | 9.4654% | 4,187 |
| Tier 1 risk-based capital ratio | 19.0270% | 1,959 |
| Total risk-based capital ratio | 20.2863% | 1,940 |
| Memoranda: |
| Average total assets | $33,978,000 | 6,788 |
| Average earning assets | $31,177,670 | 6,762 |
| Average equity | $3,278,000 | 6,856 |
| Average total loans | $14,779,330 | 6,813 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4143% | 6,793 |
| Cost of funding earning assets | 0.5193% | 5,687 |
| Net interest margin | 2.8950% | 6,495 |
| Noninterest income to average assets | 0.7854% | 2,233 |
| Noninterest expense to average assets | 3.4747% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0357% | 6,465 |
| Return on assets (ROA) | -0.0357% | 6,562 |
| Pretax return on assets | -0.0357% | 6,561 |
| Return on Equity (ROE) | -0.3655% | 6,572 |
| Retained earnings to average equity (ytd only) | -0.3655% | 6,058 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0381% | 516 |
| Assets per employee ($millions) | 1.9194% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2576% | 1,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7642% | 2,120 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.8521% | 6,276 |
| Net loans and leases to deposits | 45.2618% | 6,478 |
| Net loans and leases to core deposits | 45.2618% | 6,611 |
| Total domestic deposits to total assets | 90.2573% | 942 |
| Equity capital to assets | 9.4648% | 4,862 |
| Core capital (leverage) ratio | 9.7217% | 3,743 |
| Tier 1 risk-based capital ratio | 19.8353% | 1,749 |
| Total risk-based capital ratio | 21.0950% | 1,722 |
| Memoranda: |
| Average total assets | $33,614,500 | 6,847 |
| Average earning assets | $30,812,000 | 6,821 |
| Average equity | $3,283,500 | 6,903 |
| Average total loans | $14,738,000 | 6,877 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6787% | 6,869 |
| Cost of funding earning assets | 0.6759% | 5,678 |
| Net interest margin | 3.0028% | 6,527 |
| Noninterest income to average assets | 0.6024% | 3,152 |
| Noninterest expense to average assets | 3.6289% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.2850% | 6,330 |
| Return on assets (ROA) | -0.1998% | 6,328 |
| Pretax return on assets | -0.1998% | 6,284 |
| Return on Equity (ROE) | -2.0414% | 6,339 |
| Retained earnings to average equity (ytd only) | -2.0414% | 6,161 |
| Net charge-offs to loans | 0.0315% | 6,009 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -19.4000% | 6,409 |
| Efficiency ratio | 108.5237% | 461 |
| Assets per employee ($millions) | 1.7200% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1681% | 1,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9223% | 2,062 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 45.0122% | 6,110 |
| Net loans and leases to deposits | 50.1842% | 6,353 |
| Net loans and leases to core deposits | 50.1842% | 6,522 |
| Total domestic deposits to total assets | 89.6940% | 1,160 |
| Equity capital to assets | 10.0887% | 4,050 |
| Core capital (leverage) ratio | 9.7051% | 3,738 |
| Tier 1 risk-based capital ratio | 19.3001% | 1,818 |
| Total risk-based capital ratio | 20.5542% | 1,785 |
| Memoranda: |
| Average total assets | $34,032,200 | 6,858 |
| Average earning assets | $31,070,600 | 6,836 |
| Average equity | $3,331,000 | 6,922 |
| Average total loans | $15,894,200 | 6,856 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7234% | 6,913 |
| Cost of funding earning assets | 0.6971% | 5,789 |
| Net interest margin | 3.0264% | 6,528 |
| Noninterest income to average assets | 0.5858% | 3,256 |
| Noninterest expense to average assets | 3.5650% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2172% | 6,399 |
| Return on assets (ROA) | -0.1784% | 6,443 |
| Pretax return on assets | -0.1784% | 6,395 |
| Return on Equity (ROE) | -1.8365% | 6,464 |
| Retained earnings to average equity (ytd only) | -1.8365% | 6,275 |
| Net charge-offs to loans | 0.0414% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -11.1934% | 6,137 |
| Efficiency ratio | 106.4890% | 492 |
| Assets per employee ($millions) | 1.9976% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1384% | 1,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8121% | 2,310 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.9311% | 6,340 |
| Net loans and leases to deposits | 48.8987% | 6,568 |
| Net loans and leases to core deposits | 48.8987% | 6,716 |
| Total domestic deposits to total assets | 89.8410% | 953 |
| Equity capital to assets | 9.7998% | 4,620 |
| Core capital (leverage) ratio | 9.5568% | 4,064 |
| Tier 1 risk-based capital ratio | 19.7164% | 1,755 |
| Total risk-based capital ratio | 20.9767% | 1,724 |
| Memoranda: |
| Average total assets | $34,370,250 | 6,911 |
| Average earning assets | $31,368,000 | 6,891 |
| Average equity | $3,339,500 | 6,981 |
| Average total loans | $16,108,750 | 6,908 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7804% | 6,943 |
| Cost of funding earning assets | 0.7116% | 5,894 |
| Net interest margin | 3.0688% | 6,469 |
| Noninterest income to average assets | 0.5622% | 3,383 |
| Noninterest expense to average assets | 3.5645% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2029% | 6,473 |
| Return on assets (ROA) | -0.1449% | 6,455 |
| Pretax return on assets | -0.1449% | 6,406 |
| Return on Equity (ROE) | -1.4955% | 6,465 |
| Retained earnings to average equity (ytd only) | -1.4955% | 6,155 |
| Net charge-offs to loans | 0.0610% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 5,811 |
| Efficiency ratio | 106.0345% | 559 |
| Assets per employee ($millions) | 1.9557% | 7,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1443% | 2,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7128% | 2,464 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 42.2606% | 6,575 |
| Net loans and leases to deposits | 46.8464% | 6,788 |
| Net loans and leases to core deposits | 46.8464% | 6,901 |
| Total domestic deposits to total assets | 90.2111% | 859 |
| Equity capital to assets | 9.5020% | 4,808 |
| Core capital (leverage) ratio | 9.2645% | 4,304 |
| Tier 1 risk-based capital ratio | 20.1291% | 1,587 |
| Total risk-based capital ratio | 21.3891% | 1,560 |
| Memoranda: |
| Average total assets | $34,507,000 | 6,975 |
| Average earning assets | $31,478,330 | 6,951 |
| Average equity | $3,343,330 | 7,029 |
| Average total loans | $16,396,670 | 6,959 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9019% | 6,820 |
| Cost of funding earning assets | 0.7469% | 5,881 |
| Net interest margin | 3.1550% | 6,206 |
| Noninterest income to average assets | 0.5269% | 3,675 |
| Noninterest expense to average assets | 3.6418% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2459% | 6,607 |
| Return on assets (ROA) | -0.1288% | 6,506 |
| Pretax return on assets | -0.1288% | 6,473 |
| Return on Equity (ROE) | -1.3164% | 6,527 |
| Retained earnings to average equity (ytd only) | -1.3164% | 6,048 |
| Net charge-offs to loans | 0.1177% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -4.2000% | 5,015 |
| Efficiency ratio | 107.2414% | 552 |
| Assets per employee ($millions) | 1.9416% | 7,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9923% | 2,445 |
| Loan loss allowance to noncurrent loans | 665.3061% | 527 |
| Noncurrent assets plus other real estate owned to assets | 2.8728% | 2,402 |
| Noncurrent loans to loans | 0.2995% | 6,389 |
| Net loans and leases to total assets | 45.8882% | 6,297 |
| Net loans and leases to deposits | 50.9095% | 6,555 |
| Net loans and leases to core deposits | 50.9095% | 6,736 |
| Total domestic deposits to total assets | 90.1368% | 1,074 |
| Equity capital to assets | 9.5485% | 4,372 |
| Core capital (leverage) ratio | 9.6613% | 3,582 |
| Tier 1 risk-based capital ratio | 19.0226% | 1,793 |
| Total risk-based capital ratio | 20.2776% | 1,757 |
| Memoranda: |
| Average total assets | $34,159,000 | 7,036 |
| Average earning assets | $31,062,000 | 7,016 |
| Average equity | $3,342,500 | 7,063 |
| Average total loans | $16,993,500 | 6,999 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6278% | 6,028 |
| Cost of funding earning assets | 0.9360% | 6,002 |
| Net interest margin | 3.6918% | 4,380 |
| Noninterest income to average assets | 0.6077% | 3,426 |
| Noninterest expense to average assets | 3.7200% | 1,656 |
| Loan and lease loss provision to assets | 0.0944% | 6,200 |
| Net operating income to assets | 0.1328% | 5,494 |
| Return on assets (ROA) | 0.1888% | 5,479 |
| Pretax return on assets | 0.1888% | 5,512 |
| Return on Equity (ROE) | 1.8693% | 5,438 |
| Retained earnings to average equity (ytd only) | -3.5049% | 6,152 |
| Net charge-offs to loans | 0.3171% | 4,433 |
| Credit loss provision to net charge-offs | 52.4590% | 6,226 |
| Earnings coverage of net charge-offs (x) | 1.2623% | 4,844 |
| Efficiency ratio | 94.2451% | 1,048 |
| Assets per employee ($millions) | 1.8539% | 7,474 |
| Cash dividends to net income (ytd only)* | 287.5000% | 71 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8781% | 2,619 |
| Loan loss allowance to noncurrent loans | 612.9630% | 547 |
| Noncurrent assets plus other real estate owned to assets | 3.2005% | 2,211 |
| Noncurrent loans to loans | 0.3064% | 6,440 |
| Net loans and leases to total assets | 51.8220% | 5,935 |
| Net loans and leases to deposits | 57.7589% | 6,279 |
| Net loans and leases to core deposits | 57.7589% | 6,579 |
| Total domestic deposits to total assets | 89.7213% | 1,258 |
| Equity capital to assets | 10.0330% | 3,708 |
| Core capital (leverage) ratio | 9.9174% | 3,186 |
| Tier 1 risk-based capital ratio | 17.5411% | 2,158 |
| Total risk-based capital ratio | 18.7955% | 2,121 |
| Memoranda: |
| Average total assets | $33,897,800 | 7,081 |
| Average earning assets | $30,662,800 | 7,068 |
| Average equity | $3,423,800 | 7,152 |
| Average total loans | $19,236,600 | 6,965 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7033% | 6,006 |
| Cost of funding earning assets | 0.9753% | 6,059 |
| Net interest margin | 3.7280% | 4,276 |
| Noninterest income to average assets | 0.5250% | 3,985 |
| Noninterest expense to average assets | 3.6555% | 1,659 |
| Loan and lease loss provision to assets | 0.0666% | 6,398 |
| Net operating income to assets | 0.1724% | 5,582 |
| Return on assets (ROA) | 0.2468% | 5,519 |
| Pretax return on assets | 0.2468% | 5,619 |
| Return on Equity (ROE) | 2.4399% | 5,451 |
| Retained earnings to average equity (ytd only) | -4.6474% | 6,528 |
| Net charge-offs to loans | 0.0136% | 6,479 |
| Credit loss provision to net charge-offs | 850.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 30.4607% | 875 |
| Efficiency ratio | 93.8632% | 1,006 |
| Assets per employee ($millions) | 1.8428% | 7,567 |
| Cash dividends to net income (ytd only)* | 290.4643% | 46 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9510% | 2,347 |
| Loan loss allowance to noncurrent loans | 320.5128% | 922 |
| Noncurrent assets plus other real estate owned to assets | 3.2318% | 2,212 |
| Noncurrent loans to loans | 0.6087% | 5,989 |
| Net loans and leases to total assets | 56.8164% | 5,438 |
| Net loans and leases to deposits | 63.5166% | 5,969 |
| Net loans and leases to core deposits | 63.5166% | 6,336 |
| Total domestic deposits to total assets | 89.4513% | 1,147 |
| Equity capital to assets | 10.1598% | 3,936 |
| Core capital (leverage) ratio | 9.7615% | 3,535 |
| Tier 1 risk-based capital ratio | 16.1914% | 2,676 |
| Total risk-based capital ratio | 17.4479% | 2,624 |
| Memoranda: |
| Average total assets | $34,029,750 | 7,161 |
| Average earning assets | $30,757,750 | 7,144 |
| Average equity | $3,442,750 | 7,244 |
| Average total loans | $19,639,750 | 7,041 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7924% | 5,821 |
| Cost of funding earning assets | 1.0214% | 6,048 |
| Net interest margin | 3.7710% | 4,041 |
| Noninterest income to average assets | 0.5420% | 3,771 |
| Noninterest expense to average assets | 3.6601% | 1,646 |
| Loan and lease loss provision to assets | -0.3147% | 7,795 |
| Net operating income to assets | 0.6178% | 3,792 |
| Return on assets (ROA) | 0.6994% | 3,565 |
| Pretax return on assets | 0.6994% | 4,242 |
| Return on Equity (ROE) | 6.9224% | 3,344 |
| Retained earnings to average equity (ytd only) | -2.7113% | 6,253 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3529% | 1,168 |
| Assets per employee ($millions) | 1.8143% | 7,648 |
| Cash dividends to net income (ytd only)* | 139.1667% | 208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6277% | 3,335 |
| Loan loss allowance to noncurrent loans | 478.1250% | 679 |
| Noncurrent assets plus other real estate owned to assets | 2.9561% | 2,414 |
| Noncurrent loans to loans | 0.3404% | 6,551 |
| Net loans and leases to total assets | 53.6480% | 6,029 |
| Net loans and leases to deposits | 59.7860% | 6,432 |
| Net loans and leases to core deposits | 59.7860% | 6,726 |
| Total domestic deposits to total assets | 89.7334% | 1,057 |
| Equity capital to assets | 9.9852% | 4,043 |
| Core capital (leverage) ratio | 9.7165% | 3,519 |
| Tier 1 risk-based capital ratio | 16.7903% | 2,365 |
| Total risk-based capital ratio | 18.0447% | 2,314 |
| Memoranda: |
| Average total assets | $34,316,330 | 7,201 |
| Average earning assets | $31,132,330 | 7,185 |
| Average equity | $3,467,000 | 7,274 |
| Average total loans | $19,779,330 | 7,077 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8703% | 5,605 |
| Cost of funding earning assets | 1.0722% | 6,027 |
| Net interest margin | 3.7981% | 3,802 |
| Noninterest income to average assets | 0.5374% | 3,753 |
| Noninterest expense to average assets | 3.6450% | 1,626 |
| Loan and lease loss provision to assets | 0.0701% | 5,937 |
| Net operating income to assets | 0.2570% | 5,467 |
| Return on assets (ROA) | 0.2570% | 5,595 |
| Pretax return on assets | 0.2570% | 5,730 |
| Return on Equity (ROE) | 2.5291% | 5,546 |
| Retained earnings to average equity (ytd only) | -2.0693% | 6,222 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7647% | 1,296 |
| Assets per employee ($millions) | 1.8502% | 7,738 |
| Cash dividends to net income (ytd only)* | 181.8182% | 234 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8540% | 2,564 |
| Loan loss allowance to noncurrent loans | 629.3103% | 517 |
| Noncurrent assets plus other real estate owned to assets | 2.8816% | 2,495 |
| Noncurrent loans to loans | 0.2946% | 6,731 |
| Net loans and leases to total assets | 54.9639% | 5,897 |
| Net loans and leases to deposits | 61.1649% | 6,354 |
| Net loans and leases to core deposits | 61.6548% | 6,626 |
| Total domestic deposits to total assets | 89.8618% | 1,061 |
| Equity capital to assets | 9.8310% | 4,074 |
| Core capital (leverage) ratio | 9.9739% | 3,197 |
| Tier 1 risk-based capital ratio | 16.1907% | 2,571 |
| Total risk-based capital ratio | 17.4710% | 2,514 |
| Memoranda: |
| Average total assets | $34,239,000 | 7,293 |
| Average earning assets | $30,963,000 | 7,283 |
| Average equity | $3,479,500 | 7,349 |
| Average total loans | $20,269,500 | 7,145 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6479% | 3,360 |
| Cost of funding earning assets | 1.4554% | 5,697 |
| Net interest margin | 4.1926% | 2,094 |
| Noninterest income to average assets | 0.6054% | 3,588 |
| Noninterest expense to average assets | 3.9568% | 1,427 |
| Loan and lease loss provision to assets | 0.0172% | 7,330 |
| Net operating income to assets | 0.2353% | 4,780 |
| Return on assets (ROA) | 0.3615% | 4,382 |
| Pretax return on assets | 0.3615% | 4,605 |
| Return on Equity (ROE) | 3.5599% | 4,265 |
| Retained earnings to average equity (ytd only) | -0.3955% | 5,060 |
| Net charge-offs to loans | -0.1127% | 7,889 |
| Credit loss provision to net charge-offs | -24.0000% | 7,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0014% | 1,414 |
| Assets per employee ($millions) | 1.7539% | 7,840 |
| Cash dividends to net income (ytd only)* | 111.1111% | 481 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7265% | 2,802 |
| Loan loss allowance to noncurrent loans | 620.6897% | 549 |
| Noncurrent assets plus other real estate owned to assets | 2.8088% | 2,494 |
| Noncurrent loans to loans | 0.2782% | 6,733 |
| Net loans and leases to total assets | 61.4932% | 5,105 |
| Net loans and leases to deposits | 68.9062% | 5,737 |
| Net loans and leases to core deposits | 76.5884% | 6,367 |
| Total domestic deposits to total assets | 89.2420% | 1,366 |
| Equity capital to assets | 10.5119% | 3,167 |
| Core capital (leverage) ratio | 10.0249% | 3,061 |
| Tier 1 risk-based capital ratio | 15.3377% | 2,787 |
| Total risk-based capital ratio | 16.6114% | 2,730 |
| Memoranda: |
| Average total assets | $34,851,200 | 7,288 |
| Average earning assets | $29,957,800 | 7,360 |
| Average equity | $3,539,400 | 7,433 |
| Average total loans | $22,186,400 | 7,078 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7296% | 3,193 |
| Cost of funding earning assets | 1.5350% | 5,689 |
| Net interest margin | 4.1945% | 2,085 |
| Noninterest income to average assets | 0.6282% | 3,510 |
| Noninterest expense to average assets | 3.9545% | 1,341 |
| Loan and lease loss provision to assets | 0.0227% | 7,126 |
| Net operating income to assets | 0.2081% | 5,121 |
| Return on assets (ROA) | 0.3217% | 4,820 |
| Pretax return on assets | 0.3217% | 5,001 |
| Return on Equity (ROE) | 3.1937% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.1880% | 5,117 |
| Net charge-offs to loans | -0.1954% | 7,972 |
| Credit loss provision to net charge-offs | -18.1818% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4846% | 1,370 |
| Assets per employee ($millions) | 1.7283% | 7,928 |
| Cash dividends to net income (ytd only)* | 94.1145% | 675 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7071% | 2,600 |
| Loan loss allowance to noncurrent loans | 603.2787% | 542 |
| Noncurrent assets plus other real estate owned to assets | 2.7165% | 2,559 |
| Noncurrent loans to loans | 0.2830% | 6,803 |
| Net loans and leases to total assets | 61.3001% | 5,361 |
| Net loans and leases to deposits | 68.6995% | 6,066 |
| Net loans and leases to core deposits | 76.0771% | 6,611 |
| Total domestic deposits to total assets | 89.2293% | 1,094 |
| Equity capital to assets | 10.3310% | 3,697 |
| Core capital (leverage) ratio | 9.8333% | 3,478 |
| Tier 1 risk-based capital ratio | 14.8521% | 3,110 |
| Total risk-based capital ratio | 16.1175% | 3,045 |
| Memoranda: |
| Average total assets | $35,233,000 | 7,326 |
| Average earning assets | $29,879,250 | 7,420 |
| Average equity | $3,548,500 | 7,493 |
| Average total loans | $22,520,000 | 7,123 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9359% | 2,432 |
| Cost of funding earning assets | 1.6579% | 5,480 |
| Net interest margin | 4.2779% | 1,709 |
| Noninterest income to average assets | 0.6092% | 3,614 |
| Noninterest expense to average assets | 4.0107% | 1,303 |
| Loan and lease loss provision to assets | 0.0338% | 6,900 |
| Net operating income to assets | 0.1015% | 5,558 |
| Return on assets (ROA) | 0.1467% | 5,522 |
| Pretax return on assets | 0.1467% | 5,572 |
| Return on Equity (ROE) | 1.4685% | 5,468 |
| Retained earnings to average equity (ytd only) | -2.0898% | 5,769 |
| Net charge-offs to loans | -0.2890% | 8,061 |
| Credit loss provision to net charge-offs | -18.1818% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7347% | 1,327 |
| Assets per employee ($millions) | 1.8898% | 7,926 |
| Cash dividends to net income (ytd only)* | 242.3077% | 173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6947% | 2,374 |
| Loan loss allowance to noncurrent loans | 603.2787% | 561 |
| Noncurrent assets plus other real estate owned to assets | 2.6151% | 2,459 |
| Noncurrent loans to loans | 0.2809% | 6,815 |
| Net loans and leases to total assets | 59.4508% | 5,772 |
| Net loans and leases to deposits | 66.2477% | 6,367 |
| Net loans and leases to core deposits | 72.9837% | 6,845 |
| Total domestic deposits to total assets | 89.7402% | 941 |
| Equity capital to assets | 9.8031% | 4,210 |
| Core capital (leverage) ratio | 9.4006% | 4,024 |
| Tier 1 risk-based capital ratio | 14.1394% | 3,435 |
| Total risk-based capital ratio | 15.4089% | 3,362 |
| Memoranda: |
| Average total assets | $35,455,330 | 7,391 |
| Average earning assets | $29,313,330 | 7,515 |
| Average equity | $3,541,000 | 7,561 |
| Average total loans | $22,841,000 | 7,153 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9922% | 2,396 |
| Cost of funding earning assets | 1.7869% | 5,177 |
| Net interest margin | 4.2053% | 1,875 |
| Noninterest income to average assets | 0.6699% | 3,070 |
| Noninterest expense to average assets | 4.0648% | 1,105 |
| Loan and lease loss provision to assets | 0.0681% | 6,100 |
| Net operating income to assets | 0.0908% | 6,009 |
| Return on assets (ROA) | 0.0908% | 6,172 |
| Pretax return on assets | 0.0908% | 6,186 |
| Return on Equity (ROE) | 0.9010% | 6,152 |
| Retained earnings to average equity (ytd only) | -5.2935% | 6,591 |
| Net charge-offs to loans | -0.7520% | 8,138 |
| Credit loss provision to net charge-offs | -13.6364% | 6,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2366% | 1,306 |
| Assets per employee ($millions) | 1.8153% | 8,012 |
| Cash dividends to net income (ytd only)* | 687.5000% | 41 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6565% | 2,286 |
| Loan loss allowance to noncurrent loans | 63.1667% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.5561% | 2,247 |
| Noncurrent loans to loans | 2.6225% | 2,511 |
| Net loans and leases to total assets | 61.9749% | 5,329 |
| Net loans and leases to deposits | 68.9000% | 6,092 |
| Net loans and leases to core deposits | 75.4198% | 6,718 |
| Total domestic deposits to total assets | 89.9490% | 827 |
| Equity capital to assets | 9.6791% | 4,414 |
| Core capital (leverage) ratio | 9.5341% | 3,941 |
| Tier 1 risk-based capital ratio | 13.7801% | 3,708 |
| Total risk-based capital ratio | 15.0413% | 3,623 |
| Memoranda: |
| Average total assets | $35,229,500 | 7,435 |
| Average earning assets | $29,772,000 | 7,531 |
| Average equity | $3,551,500 | 7,607 |
| Average total loans | $23,404,000 | 7,162 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4007% | 3,416 |
| Cost of funding earning assets | 2.1786% | 5,687 |
| Net interest margin | 4.2222% | 2,217 |
| Noninterest income to average assets | 0.6575% | 3,419 |
| Noninterest expense to average assets | 3.8561% | 1,650 |
| Loan and lease loss provision to assets | 0.0555% | 6,717 |
| Net operating income to assets | 0.5632% | 4,470 |
| Return on assets (ROA) | 0.6325% | 4,022 |
| Pretax return on assets | 0.6325% | 4,592 |
| Return on Equity (ROE) | 6.4714% | 3,769 |
| Retained earnings to average equity (ytd only) | 0.4257% | 4,995 |
| Net charge-offs to loans | 0.2035% | 4,172 |
| Credit loss provision to net charge-offs | 40.0000% | 6,451 |
| Earnings coverage of net charge-offs (x) | 4.4600% | 3,978 |
| Efficiency ratio | 86.1748% | 1,836 |
| Assets per employee ($millions) | 1.6264% | 8,125 |
| Cash dividends to net income (ytd only)* | 93.4211% | 1,175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3749% | 3,335 |
| Loan loss allowance to noncurrent loans | 438.6667% | 961 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 3,898 |
| Noncurrent loans to loans | 0.3134% | 6,436 |
| Net loans and leases to total assets | 69.0988% | 4,230 |
| Net loans and leases to deposits | 77.4914% | 5,405 |
| Net loans and leases to core deposits | 84.2707% | 6,268 |
| Total domestic deposits to total assets | 89.1696% | 975 |
| Equity capital to assets | 10.5083% | 3,495 |
| Core capital (leverage) ratio | 9.9240% | 3,519 |
| Tier 1 risk-based capital ratio | 13.2710% | 3,953 |
| Total risk-based capital ratio | 14.5308% | 3,858 |
| Memoranda: |
| Average total assets | $36,046,400 | 7,379 |
| Average earning assets | $32,590,000 | 7,383 |
| Average equity | $3,523,200 | 7,674 |
| Average total loans | $24,574,200 | 7,052 |
