| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3299% | 178 |
| Cost of funding earning assets | 0.0249% | 4,508 |
| Net interest margin | 7.3050% | 48 |
| Noninterest income to average assets | 9.4400% | 95 |
| Noninterest expense to average assets | 9.7681% | 114 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 3.0554% | 152 |
| Return on assets (ROA) | 3.0554% | 150 |
| Pretax return on assets | 3.8650% | 122 |
| Return on Equity (ROE) | 12.9200% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.9166% | 519 |
| Net charge-offs to loans | 0.4081% | 252 |
| Credit loss provision to net charge-offs | 98.2759% | 1,868 |
| Earnings coverage of net charge-offs (x) | 60.6552% | 1,185 |
| Efficiency ratio | 71.3168% | 1,726 |
| Assets per employee ($millions) | 3.3958% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8737% | 467 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 10.0000% | 4,448 |
| Net loans and leases to deposits | 13.7127% | 4,449 |
| Net loans and leases to core deposits | 13.7127% | 4,470 |
| Total domestic deposits to total assets | 72.9000% | 4,172 |
| Equity capital to assets | 24.4866% | 201 |
| Core capital (leverage) ratio | 26.2709% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 164.9217% | 50 |
| Memoranda: |
| Average total assets | $89,546,200 | 3,918 |
| Average earning assets | $52,170,000 | 4,225 |
| Average equity | $21,182,000 | 2,760 |
| Average total loans | $14,213,400 | 4,363 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7221% | 126 |
| Cost of funding earning assets | 0.0264% | 4,535 |
| Net interest margin | 7.6958% | 35 |
| Noninterest income to average assets | 8.5600% | 96 |
| Noninterest expense to average assets | 10.2052% | 110 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.1165% | 427 |
| Return on assets (ROA) | 2.1165% | 419 |
| Pretax return on assets | 2.7172% | 305 |
| Return on Equity (ROE) | 9.0300% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.0294% | 1,680 |
| Net charge-offs to loans | 0.1123% | 711 |
| Credit loss provision to net charge-offs | 69.2308% | 1,814 |
| Earnings coverage of net charge-offs (x) | 140.2308% | 769 |
| Efficiency ratio | 78.8907% | 944 |
| Assets per employee ($millions) | 3.9453% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2901% | 1,911 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 14.3700% | 4,461 |
| Net loans and leases to deposits | 19.9856% | 4,451 |
| Net loans and leases to core deposits | 19.9856% | 4,442 |
| Total domestic deposits to total assets | 71.9000% | 4,256 |
| Equity capital to assets | 24.2969% | 205 |
| Core capital (leverage) ratio | 25.6959% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.5853% | 78 |
| Memoranda: |
| Average total assets | $89,011,000 | 3,937 |
| Average earning assets | $50,589,250 | 4,259 |
| Average equity | $20,864,750 | 2,779 |
| Average total loans | $15,431,750 | 4,365 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7887% | 202 |
| Cost of funding earning assets | 0.0232% | 4,562 |
| Net interest margin | 6.7655% | 61 |
| Noninterest income to average assets | 8.8900% | 94 |
| Noninterest expense to average assets | 7.3784% | 139 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 4.4948% | 83 |
| Return on assets (ROA) | 4.4948% | 85 |
| Pretax return on assets | 5.3884% | 85 |
| Return on Equity (ROE) | 19.4000% | 783 |
| Retained earnings to average equity (ytd only) | 19.4036% | 268 |
| Net charge-offs to loans | 0.1589% | 493 |
| Credit loss provision to net charge-offs | 69.2308% | 1,597 |
| Earnings coverage of net charge-offs (x) | 186.6923% | 647 |
| Efficiency ratio | 57.7030% | 3,219 |
| Assets per employee ($millions) | 4.9979% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7920% | 4,047 |
| Loan loss allowance to noncurrent loans | 407.5000% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,372 |
| Noncurrent loans to loans | 0.1944% | 2,491 |
| Net loans and leases to total assets | 20.4300% | 4,453 |
| Net loans and leases to deposits | 26.8949% | 4,429 |
| Net loans and leases to core deposits | 26.8949% | 4,436 |
| Total domestic deposits to total assets | 75.9500% | 4,046 |
| Equity capital to assets | 21.7191% | 234 |
| Core capital (leverage) ratio | 24.2898% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.4292% | 87 |
| Memoranda: |
| Average total assets | $89,749,000 | 3,942 |
| Average earning assets | $51,733,333 | 4,273 |
| Average equity | $20,790,000 | 2,792 |
| Average total loans | $16,364,000 | 4,380 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8342% | 130 |
| Cost of funding earning assets | 0.0335% | 4,596 |
| Net interest margin | 6.8007% | 58 |
| Noninterest income to average assets | 8.7600% | 95 |
| Noninterest expense to average assets | 5.8882% | 186 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 5.9307% | 64 |
| Return on assets (ROA) | 5.9307% | 65 |
| Pretax return on assets | 6.6679% | 69 |
| Return on Equity (ROE) | 24.6900% | 418 |
| Retained earnings to average equity (ytd only) | 24.6926% | 188 |
| Net charge-offs to loans | 0.6173% | 129 |
| Credit loss provision to net charge-offs | 40.9091% | 1,316 |
| Earnings coverage of net charge-offs (x) | 64.5455% | 981 |
| Efficiency ratio | 46.7367% | 4,175 |
| Assets per employee ($millions) | 4.5288% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9793% | 3,601 |
| Loan loss allowance to noncurrent loans | 1,540.0000% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,749 |
| Noncurrent loans to loans | 0.0636% | 3,277 |
| Net loans and leases to total assets | 17.1900% | 4,541 |
| Net loans and leases to deposits | 22.9725% | 4,518 |
| Net loans and leases to core deposits | 22.9725% | 4,518 |
| Total domestic deposits to total assets | 74.8300% | 4,236 |
| Equity capital to assets | 23.1466% | 174 |
| Core capital (leverage) ratio | 25.1907% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.1424% | 80 |
| Memoranda: |
| Average total assets | $84,644,500 | 4,054 |
| Average earning assets | $47,759,500 | 4,377 |
| Average equity | $20,330,000 | 2,856 |
| Average total loans | $14,256,000 | 4,466 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3456% | 4,550 |
| Cost of funding earning assets | 0.0349% | 4,603 |
| Net interest margin | 2.3108% | 4,422 |
| Noninterest income to average assets | 10.6800% | 95 |
| Noninterest expense to average assets | 8.2130% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.7744% | 124 |
| Return on assets (ROA) | 2.7744% | 120 |
| Pretax return on assets | 4.1337% | 87 |
| Return on Equity (ROE) | 10.5500% | 2,634 |
| Retained earnings to average equity (ytd only) | 10.5536% | 991 |
| Net charge-offs to loans | 0.1419% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 128.7826% | 856 |
| Efficiency ratio | 66.5197% | 2,145 |
| Assets per employee ($millions) | 3.4223% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3764% | 1,586 |
| Loan loss allowance to noncurrent loans | 733.3333% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,352 |
| Noncurrent loans to loans | 0.1877% | 2,548 |
| Net loans and leases to total assets | 16.0200% | 4,578 |
| Net loans and leases to deposits | 22.2825% | 4,555 |
| Net loans and leases to core deposits | 22.2825% | 4,550 |
| Total domestic deposits to total assets | 71.9000% | 4,428 |
| Equity capital to assets | 25.0210% | 149 |
| Core capital (leverage) ratio | 26.1933% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.1054% | 77 |
| Memoranda: |
| Average total assets | $71,654,600 | 4,218 |
| Average earning assets | $51,628,200 | 4,355 |
| Average equity | $18,837,200 | 3,051 |
| Average total loans | $16,208,400 | 4,467 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9005% | 4,626 |
| Cost of funding earning assets | 0.0360% | 4,626 |
| Net interest margin | 1.8645% | 4,593 |
| Noninterest income to average assets | 10.4000% | 100 |
| Noninterest expense to average assets | 7.2131% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.5846% | 89 |
| Return on assets (ROA) | 3.5846% | 84 |
| Pretax return on assets | 4.5690% | 78 |
| Return on Equity (ROE) | 13.4500% | 1,578 |
| Retained earnings to average equity (ytd only) | 13.4527% | 550 |
| Net charge-offs to loans | 0.1875% | 359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 99.7917% | 952 |
| Efficiency ratio | 61.2209% | 2,938 |
| Assets per employee ($millions) | 2.9870% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4197% | 1,549 |
| Loan loss allowance to noncurrent loans | 8,650.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,993 |
| Noncurrent loans to loans | 0.0164% | 3,806 |
| Net loans and leases to total assets | 17.4900% | 4,607 |
| Net loans and leases to deposits | 25.5737% | 4,569 |
| Net loans and leases to core deposits | 25.5737% | 4,564 |
| Total domestic deposits to total assets | 68.3700% | 4,560 |
| Equity capital to assets | 28.4824% | 117 |
| Core capital (leverage) ratio | 29.2952% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.7239% | 71 |
| Memoranda: |
| Average total assets | $69,889,750 | 4,262 |
| Average earning assets | $51,915,750 | 4,387 |
| Average equity | $18,622,750 | 3,106 |
| Average total loans | $17,063,750 | 4,484 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4754% | 4,709 |
| Cost of funding earning assets | 0.0400% | 4,652 |
| Net interest margin | 1.4354% | 4,689 |
| Noninterest income to average assets | 9.7545% | 61 |
| Noninterest expense to average assets | 6.5106% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.2297% | 62 |
| Return on assets (ROA) | 3.2297% | 60 |
| Pretax return on assets | 4.2655% | 50 |
| Return on Equity (ROE) | 12.3992% | 1,548 |
| Retained earnings to average equity (ytd only) | 12.3992% | 547 |
| Net charge-offs to loans | 0.2675% | 250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 59.9600% | 1,079 |
| Efficiency ratio | 60.4172% | 3,245 |
| Assets per employee ($millions) | 2.9676% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2693% | 2,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.0574% | 4,655 |
| Net loans and leases to deposits | 28.8867% | 4,574 |
| Net loans and leases to core deposits | 28.8867% | 4,585 |
| Total domestic deposits to total assets | 69.4348% | 4,625 |
| Equity capital to assets | 27.6467% | 72 |
| Core capital (leverage) ratio | 28.7596% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.2834% | 38 |
| Memoranda: |
| Average total assets | $70,285,667 | 4,305 |
| Average earning assets | $50,019,333 | 4,460 |
| Average equity | $18,307,667 | 3,208 |
| Average total loans | $18,689,667 | 4,525 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0195% | 4,761 |
| Cost of funding earning assets | 0.0436% | 4,642 |
| Net interest margin | 0.9759% | 4,755 |
| Noninterest income to average assets | 8.7347% | 67 |
| Noninterest expense to average assets | 5.6493% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.7321% | 97 |
| Return on assets (ROA) | 2.7321% | 94 |
| Pretax return on assets | 3.7138% | 68 |
| Return on Equity (ROE) | 10.8063% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.8063% | 818 |
| Net charge-offs to loans | 0.4739% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 26.4800% | 1,185 |
| Efficiency ratio | 60.3355% | 3,449 |
| Assets per employee ($millions) | 3.5131% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0792% | 3,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 20.3975% | 4,664 |
| Net loans and leases to deposits | 27.6066% | 4,609 |
| Net loans and leases to core deposits | 34.9526% | 4,459 |
| Total domestic deposits to total assets | 73.8863% | 4,575 |
| Equity capital to assets | 23.6191% | 100 |
| Core capital (leverage) ratio | 27.2454% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 94.1446% | 30 |
| Memoranda: |
| Average total assets | $71,301,500 | 4,324 |
| Average earning assets | $45,906,000 | 4,532 |
| Average equity | $18,026,500 | 3,324 |
| Average total loans | $21,101,500 | 4,498 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5927% | 123 |
| Cost of funding earning assets | 0.1380% | 4,087 |
| Net interest margin | 5.4546% | 88 |
| Noninterest income to average assets | 6.3747% | 90 |
| Noninterest expense to average assets | 6.4649% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.4158% | 78 |
| Return on assets (ROA) | 3.4158% | 81 |
| Pretax return on assets | 4.2070% | 72 |
| Return on Equity (ROE) | 17.8231% | 483 |
| Retained earnings to average equity (ytd only) | 17.8231% | 96 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5788% | 3,067 |
| Assets per employee ($millions) | 2.8397% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7500% | 4,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.9133% | 4,095 |
| Net loans and leases to deposits | 56.0455% | 3,409 |
| Net loans and leases to core deposits | 75.5382% | 1,947 |
| Total domestic deposits to total assets | 71.2160% | 4,661 |
| Equity capital to assets | 27.2499% | 74 |
| Core capital (leverage) ratio | 48.9882% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 152.6691% | 18 |
| Memoranda: |
| Average total assets | $86,451,600 | 4,139 |
| Average earning assets | $68,107,200 | 4,291 |
| Average equity | $16,568,400 | 3,498 |
| Average total loans | $45,355,400 | 4,081 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3039% | 68 |
| Cost of funding earning assets | 0.1585% | 4,030 |
| Net interest margin | 6.1454% | 48 |
| Noninterest income to average assets | 5.6974% | 102 |
| Noninterest expense to average assets | 5.4982% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.9838% | 67 |
| Return on assets (ROA) | 3.9838% | 67 |
| Pretax return on assets | 5.0462% | 63 |
| Return on Equity (ROE) | 22.4745% | 276 |
| Retained earnings to average equity (ytd only) | 22.4745% | 80 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1433% | 4,014 |
| Assets per employee ($millions) | 3.3912% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5178% | 4,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.9218% | 4,030 |
| Net loans and leases to deposits | 57.8369% | 3,422 |
| Net loans and leases to core deposits | 78.1405% | 1,886 |
| Total domestic deposits to total assets | 74.2118% | 4,629 |
| Equity capital to assets | 19.9689% | 190 |
| Core capital (leverage) ratio | 35.4878% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 170.2550% | 20 |
| Memoranda: |
| Average total assets | $91,736,000 | 4,136 |
| Average earning assets | $72,355,250 | 4,282 |
| Average equity | $16,261,000 | 3,567 |
| Average total loans | $50,127,750 | 4,052 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1437% | 41 |
| Cost of funding earning assets | 0.1861% | 3,891 |
| Net interest margin | 6.9576% | 35 |
| Noninterest income to average assets | 5.4324% | 104 |
| Noninterest expense to average assets | 5.1548% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 4.7028% | 57 |
| Return on assets (ROA) | 4.7028% | 57 |
| Pretax return on assets | 5.9102% | 57 |
| Return on Equity (ROE) | 27.6367% | 135 |
| Retained earnings to average equity (ytd only) | 27.6367% | 54 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5863% | 4,489 |
| Assets per employee ($millions) | 3.7274% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3488% | 4,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.9266% | 2,904 |
| Net loans and leases to deposits | 80.1047% | 1,414 |
| Net loans and leases to core deposits | 117.7613% | 244 |
| Total domestic deposits to total assets | 69.8169% | 4,760 |
| Equity capital to assets | 16.9477% | 330 |
| Core capital (leverage) ratio | 44.0787% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.8304% | 31 |
| Memoranda: |
| Average total assets | $92,924,000 | 4,141 |
| Average earning assets | $75,227,000 | 4,270 |
| Average equity | $15,812,333 | 3,600 |
| Average total loans | $54,156,333 | 4,003 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8149% | 134 |
| Cost of funding earning assets | 0.2189% | 3,730 |
| Net interest margin | 5.5960% | 89 |
| Noninterest income to average assets | 4.3563% | 132 |
| Noninterest expense to average assets | 5.7395% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7755% | 184 |
| Return on assets (ROA) | 2.7755% | 207 |
| Pretax return on assets | 3.3234% | 165 |
| Return on Equity (ROE) | 16.2733% | 966 |
| Retained earnings to average equity (ytd only) | 16.2733% | 489 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3300% | 2,557 |
| Assets per employee ($millions) | 3.6864% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3495% | 4,851 |
| Loan loss allowance to noncurrent loans | 16.7660% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2749% | 562 |
| Noncurrent loans to loans | 2.0846% | 495 |
| Net loans and leases to total assets | 60.9466% | 2,412 |
| Net loans and leases to deposits | 115.3202% | 98 |
| Net loans and leases to core deposits | 146.8778% | 79 |
| Total domestic deposits to total assets | 52.8499% | 4,917 |
| Equity capital to assets | 16.8097% | 329 |
| Core capital (leverage) ratio | 28.2843% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 186.3007% | 19 |
| Memoranda: |
| Average total assets | $89,066,500 | 4,200 |
| Average earning assets | $74,911,000 | 4,291 |
| Average equity | $15,190,500 | 3,668 |
| Average total loans | $52,994,000 | 4,037 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2885% | 4,881 |
| Cost of funding earning assets | 0.1247% | 4,802 |
| Net interest margin | 2.1638% | 4,779 |
| Noninterest income to average assets | 8.6947% | 77 |
| Noninterest expense to average assets | 9.5842% | 77 |
| Loan and lease loss provision to assets | 0.1513% | 2,483 |
| Net operating income to assets | 0.4797% | 4,074 |
| Return on assets (ROA) | 0.4797% | 4,158 |
| Pretax return on assets | 0.7093% | 3,863 |
| Return on Equity (ROE) | 2.9947% | 4,383 |
| Retained earnings to average equity (ytd only) | -2.7119% | 4,747 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7603% | 322 |
| Assets per employee ($millions) | 3.7379% | 4,544 |
| Cash dividends to net income (ytd only)* | 190.5579% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3970% | 4,858 |
| Loan loss allowance to noncurrent loans | 16.3621% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 550 |
| Noncurrent loans to loans | 2.4263% | 424 |
| Net loans and leases to total assets | 57.4896% | 3,146 |
| Net loans and leases to deposits | 153.2321% | 17 |
| Net loans and leases to core deposits | 184.4698% | 49 |
| Total domestic deposits to total assets | 37.5180% | 4,964 |
| Equity capital to assets | 17.3184% | 316 |
| Core capital (leverage) ratio | 33.9495% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 155.8836% | 18 |
| Memoranda: |
| Average total assets | $97,139,400 | 4,035 |
| Average earning assets | $78,566,000 | 4,179 |
| Average equity | $15,560,800 | 3,602 |
| Average total loans | $33,539,000 | 4,444 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8126% | 4,827 |
| Cost of funding earning assets | 0.0904% | 4,941 |
| Net interest margin | 2.7222% | 4,445 |
| Noninterest income to average assets | 9.9653% | 68 |
| Noninterest expense to average assets | 9.4649% | 81 |
| Loan and lease loss provision to assets | 0.1961% | 2,016 |
| Net operating income to assets | 2.1361% | 227 |
| Return on assets (ROA) | 2.1361% | 244 |
| Pretax return on assets | 2.5150% | 206 |
| Return on Equity (ROE) | 13.5714% | 959 |
| Retained earnings to average equity (ytd only) | 8.6972% | 1,075 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7339% | 1,058 |
| Assets per employee ($millions) | 3.2273% | 4,770 |
| Cash dividends to net income (ytd only)* | 35.9151% | 2,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3664% | 4,900 |
| Loan loss allowance to noncurrent loans | 15.3786% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4176% | 631 |
| Noncurrent loans to loans | 2.3828% | 459 |
| Net loans and leases to total assets | 59.2741% | 3,294 |
| Net loans and leases to deposits | 170.2196% | 14 |
| Net loans and leases to core deposits | 170.2196% | 66 |
| Total domestic deposits to total assets | 34.8221% | 5,000 |
| Equity capital to assets | 18.0900% | 294 |
| Core capital (leverage) ratio | 21.2929% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 254.0075% | 15 |
| Memoranda: |
| Average total assets | $99,931,250 | 3,994 |
| Average earning assets | $81,156,750 | 4,152 |
| Average equity | $15,728,750 | 3,584 |
| Average total loans | $29,518,250 | 4,550 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7910% | 3,881 |
| Cost of funding earning assets | 0.0476% | 5,028 |
| Net interest margin | 3.7433% | 2,015 |
| Noninterest income to average assets | 10.7254% | 61 |
| Noninterest expense to average assets | 10.0349% | 74 |
| Loan and lease loss provision to assets | 0.2851% | 1,508 |
| Net operating income to assets | 2.8782% | 97 |
| Return on assets (ROA) | 2.8782% | 101 |
| Pretax return on assets | 3.4542% | 79 |
| Return on Equity (ROE) | 19.1204% | 296 |
| Retained earnings to average equity (ytd only) | 11.7119% | 495 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8527% | 1,585 |
| Assets per employee ($millions) | 4.2808% | 4,024 |
| Cash dividends to net income (ytd only)* | 38.7466% | 2,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3754% | 4,920 |
| Loan loss allowance to noncurrent loans | 14.9129% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1021% | 1,035 |
| Noncurrent loans to loans | 2.5176% | 461 |
| Net loans and leases to total assets | 43.6118% | 4,472 |
| Net loans and leases to deposits | 84.9459% | 1,894 |
| Net loans and leases to core deposits | 84.9459% | 2,526 |
| Total domestic deposits to total assets | 51.3407% | 5,004 |
| Equity capital to assets | 13.4838% | 988 |
| Core capital (leverage) ratio | 14.2644% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 184.1153% | 17 |
| Memoranda: |
| Average total assets | $103,120,000 | 3,956 |
| Average earning assets | $83,989,333 | 4,111 |
| Average equity | $15,522,667 | 3,605 |
| Average total loans | $21,437,667 | 4,742 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4945% | 5,103 |
| Cost of funding earning assets | 0.0161% | 5,092 |
| Net interest margin | 1.4784% | 5,077 |
| Noninterest income to average assets | 11.4365% | 52 |
| Noninterest expense to average assets | 9.4101% | 83 |
| Loan and lease loss provision to assets | 0.6206% | 439 |
| Net operating income to assets | 2.0053% | 264 |
| Return on assets (ROA) | 2.0053% | 291 |
| Pretax return on assets | 2.5668% | 148 |
| Return on Equity (ROE) | 12.4975% | 988 |
| Retained earnings to average equity (ytd only) | -2.6311% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6984% | 1,726 |
| Assets per employee ($millions) | 3.5373% | 4,448 |
| Cash dividends to net income (ytd only)* | 121.0526% | 605 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0419% | 71 |
| Loan loss allowance to noncurrent loans | 14.5173% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 877 |
| Noncurrent loans to loans | 27.8416% | 3 |
| Net loans and leases to total assets | 4.5593% | 5,074 |
| Net loans and leases to deposits | 5.4403% | 5,078 |
| Net loans and leases to core deposits | 5.4403% | 5,067 |
| Total domestic deposits to total assets | 83.8052% | 2,852 |
| Equity capital to assets | 14.7813% | 813 |
| Core capital (leverage) ratio | 18.2435% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 245.7649% | 14 |
| Memoranda: |
| Average total assets | $94,749,000 | 4,066 |
| Average earning assets | $74,404,500 | 4,249 |
| Average equity | $15,203,000 | 3,639 |
| Average total loans | $5,921,000 | 5,057 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2291% | 4,987 |
| Cost of funding earning assets | 0.0239% | 5,155 |
| Net interest margin | 3.2052% | 4,172 |
| Noninterest income to average assets | 15.1374% | 45 |
| Noninterest expense to average assets | 9.6375% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 5.7995% | 30 |
| Return on assets (ROA) | 5.7995% | 33 |
| Pretax return on assets | 7.8486% | 31 |
| Return on Equity (ROE) | 29.5819% | 41 |
| Retained earnings to average equity (ytd only) | 29.5819% | 11 |
| Net charge-offs to loans | -0.0203% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1153% | 4,310 |
| Assets per employee ($millions) | 3.1041% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7176% | 4,539 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,485 |
| Noncurrent loans to loans | 0.4018% | 3,004 |
| Net loans and leases to total assets | 7.9594% | 5,126 |
| Net loans and leases to deposits | 9.8123% | 5,131 |
| Net loans and leases to core deposits | 9.8669% | 5,125 |
| Total domestic deposits to total assets | 81.1163% | 3,743 |
| Equity capital to assets | 17.5376% | 412 |
| Core capital (leverage) ratio | 17.0812% | 405 |
| Tier 1 risk-based capital ratio | 172.4349% | 27 |
| Total risk-based capital ratio | 173.0011% | 27 |
| Memoranda: |
| Average total assets | $68,420,000 | 4,453 |
| Average earning assets | $50,137,200 | 4,665 |
| Average equity | $13,413,600 | 3,839 |
| Average total loans | $4,929,800 | 5,123 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5599% | 4,916 |
| Cost of funding earning assets | 0.0256% | 5,232 |
| Net interest margin | 3.5343% | 3,456 |
| Noninterest income to average assets | 15.5262% | 44 |
| Noninterest expense to average assets | 9.4591% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 6.4537% | 25 |
| Return on assets (ROA) | 6.4537% | 26 |
| Pretax return on assets | 8.6670% | 26 |
| Return on Equity (ROE) | 31.7779% | 32 |
| Retained earnings to average equity (ytd only) | 31.7779% | 13 |
| Net charge-offs to loans | -0.0301% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1849% | 4,583 |
| Assets per employee ($millions) | 2.7061% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8886% | 4,093 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,499 |
| Noncurrent loans to loans | 0.4976% | 2,803 |
| Net loans and leases to total assets | 8.5870% | 5,205 |
| Net loans and leases to deposits | 11.3508% | 5,203 |
| Net loans and leases to core deposits | 11.4454% | 5,199 |
| Total domestic deposits to total assets | 75.6509% | 4,682 |
| Equity capital to assets | 22.1073% | 181 |
| Core capital (leverage) ratio | 19.8190% | 255 |
| Tier 1 risk-based capital ratio | 217.8132% | 24 |
| Total risk-based capital ratio | 218.5725% | 24 |
| Memoranda: |
| Average total assets | $63,796,000 | 4,590 |
| Average earning assets | $46,929,500 | 4,801 |
| Average equity | $12,956,250 | 3,929 |
| Average total loans | $4,420,250 | 5,208 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4763% | 5,024 |
| Cost of funding earning assets | 0.0264% | 5,279 |
| Net interest margin | 3.4499% | 3,740 |
| Noninterest income to average assets | 15.7288% | 43 |
| Noninterest expense to average assets | 8.4652% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 7.2856% | 25 |
| Return on assets (ROA) | 7.2856% | 27 |
| Pretax return on assets | 9.7394% | 27 |
| Return on Equity (ROE) | 36.9926% | 23 |
| Retained earnings to average equity (ytd only) | 36.9926% | 10 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5003% | 4,968 |
| Assets per employee ($millions) | 3.7025% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9373% | 3,931 |
| Loan loss allowance to noncurrent loans | 106.5217% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,479 |
| Noncurrent loans to loans | 0.8799% | 1,845 |
| Net loans and leases to total assets | 6.3581% | 5,262 |
| Net loans and leases to deposits | 7.7836% | 5,266 |
| Net loans and leases to core deposits | 7.8470% | 5,257 |
| Total domestic deposits to total assets | 81.6856% | 3,608 |
| Equity capital to assets | 16.6841% | 508 |
| Core capital (leverage) ratio | 19.0178% | 275 |
| Tier 1 risk-based capital ratio | 162.1534% | 29 |
| Total risk-based capital ratio | 162.7390% | 29 |
| Memoranda: |
| Average total assets | $63,412,330 | 4,631 |
| Average earning assets | $45,508,000 | 4,861 |
| Average equity | $12,489,000 | 3,983 |
| Average total loans | $4,018,000 | 5,259 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5742% | 2,625 |
| Cost of funding earning assets | 0.0331% | 5,337 |
| Net interest margin | 4.5411% | 688 |
| Noninterest income to average assets | 17.0690% | 40 |
| Noninterest expense to average assets | 9.1412% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 10.4135% | 17 |
| Return on assets (ROA) | 10.4135% | 20 |
| Pretax return on assets | 10.9503% | 25 |
| Return on Equity (ROE) | 47.4431% | 19 |
| Retained earnings to average equity (ytd only) | 47.4431% | 8 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4978% | 5,047 |
| Assets per employee ($millions) | 3.1573% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3532% | 1,852 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,682 |
| Noncurrent loans to loans | 0.4971% | 2,823 |
| Net loans and leases to total assets | 6.2853% | 5,322 |
| Net loans and leases to deposits | 8.2865% | 5,322 |
| Net loans and leases to core deposits | 8.4321% | 5,316 |
| Total domestic deposits to total assets | 75.8494% | 4,777 |
| Equity capital to assets | 22.2854% | 167 |
| Core capital (leverage) ratio | 20.8818% | 203 |
| Tier 1 risk-based capital ratio | 167.4683% | 28 |
| Total risk-based capital ratio | 168.1158% | 28 |
| Memoranda: |
| Average total assets | $54,391,000 | 4,834 |
| Average earning assets | $36,203,000 | 5,054 |
| Average equity | $11,938,500 | 4,063 |
| Average total loans | $3,413,000 | 5,324 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8916% | 5,263 |
| Cost of funding earning assets | 0.0419% | 5,370 |
| Net interest margin | 2.8498% | 4,972 |
| Noninterest income to average assets | 22.0760% | 40 |
| Noninterest expense to average assets | 11.7269% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 9.1227% | 23 |
| Return on assets (ROA) | 9.1227% | 23 |
| Pretax return on assets | 12.5709% | 19 |
| Return on Equity (ROE) | 42.4339% | 12 |
| Retained earnings to average equity (ytd only) | 40.8073% | 2 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2633% | 5,032 |
| Assets per employee ($millions) | 2.8862% | 5,051 |
| Cash dividends to net income (ytd only)* | 3.8334% | 3,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5289% | 1,205 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,677 |
| Noncurrent loans to loans | 0.5616% | 2,588 |
| Net loans and leases to total assets | 6.0750% | 5,365 |
| Net loans and leases to deposits | 7.9390% | 5,367 |
| Net loans and leases to core deposits | 8.0346% | 5,360 |
| Total domestic deposits to total assets | 76.5202% | 4,692 |
| Equity capital to assets | 21.5819% | 178 |
| Core capital (leverage) ratio | 21.9647% | 166 |
| Tier 1 risk-based capital ratio | 226.9758% | 24 |
| Total risk-based capital ratio | 227.9637% | 25 |
| Memoranda: |
| Average total assets | $42,892,800 | 5,061 |
| Average earning assets | $33,441,200 | 5,148 |
| Average equity | $9,221,400 | 4,431 |
| Average total loans | $2,784,200 | 5,372 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9836% | 5,294 |
| Cost of funding earning assets | 0.0446% | 5,438 |
| Net interest margin | 2.9390% | 4,924 |
| Noninterest income to average assets | 22.8440% | 40 |
| Noninterest expense to average assets | 11.0101% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 10.4161% | 16 |
| Return on assets (ROA) | 10.4161% | 16 |
| Pretax return on assets | 14.2131% | 16 |
| Return on Equity (ROE) | 48.5100% | 10 |
| Retained earnings to average equity (ytd only) | 46.2175% | 1 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6508% | 5,227 |
| Assets per employee ($millions) | 2.5001% | 5,281 |
| Cash dividends to net income (ytd only)* | 4.7260% | 3,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8108% | 707 |
| Loan loss allowance to noncurrent loans | 245.0000% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 4,267 |
| Noncurrent loans to loans | 0.7391% | 2,236 |
| Net loans and leases to total assets | 6.2515% | 5,440 |
| Net loans and leases to deposits | 8.5690% | 5,438 |
| Net loans and leases to core deposits | 8.7198% | 5,432 |
| Total domestic deposits to total assets | 72.9542% | 5,062 |
| Equity capital to assets | 24.5871% | 117 |
| Core capital (leverage) ratio | 18.3022% | 306 |
| Tier 1 risk-based capital ratio | 270.4808% | 19 |
| Total risk-based capital ratio | 271.7408% | 19 |
| Memoranda: |
| Average total assets | $40,628,250 | 5,153 |
| Average earning assets | $32,890,500 | 5,216 |
| Average equity | $8,723,750 | 4,539 |
| Average total loans | $2,679,000 | 5,443 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1761% | 5,496 |
| Cost of funding earning assets | 0.0436% | 5,497 |
| Net interest margin | 2.1324% | 5,454 |
| Noninterest income to average assets | 23.0729% | 39 |
| Noninterest expense to average assets | 10.7240% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 9.4541% | 18 |
| Return on assets (ROA) | 9.4541% | 18 |
| Pretax return on assets | 14.0587% | 17 |
| Return on Equity (ROE) | 46.4144% | 10 |
| Retained earnings to average equity (ytd only) | 42.7327% | 3 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2721% | 5,303 |
| Assets per employee ($millions) | 2.6703% | 5,278 |
| Cash dividends to net income (ytd only)* | 7.9323% | 3,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7061% | 895 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,986 |
| Noncurrent loans to loans | 1.7061% | 934 |
| Net loans and leases to total assets | 6.6074% | 5,501 |
| Net loans and leases to deposits | 8.6470% | 5,502 |
| Net loans and leases to core deposits | 8.8490% | 5,495 |
| Total domestic deposits to total assets | 76.4119% | 4,815 |
| Equity capital to assets | 21.4862% | 175 |
| Core capital (leverage) ratio | 16.0890% | 479 |
| Tier 1 risk-based capital ratio | 215.5732% | 27 |
| Total risk-based capital ratio | 216.7173% | 27 |
| Memoranda: |
| Average total assets | $40,003,670 | 5,222 |
| Average earning assets | $32,076,000 | 5,295 |
| Average equity | $8,148,330 | 4,672 |
| Average total loans | $2,670,000 | 5,505 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2105% | 5,561 |
| Cost of funding earning assets | 0.0539% | 5,548 |
| Net interest margin | 2.1566% | 5,517 |
| Noninterest income to average assets | 13.6014% | 51 |
| Noninterest expense to average assets | 10.8170% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.3745% | 67 |
| Return on assets (ROA) | 3.3745% | 67 |
| Pretax return on assets | 4.4406% | 56 |
| Return on Equity (ROE) | 17.0848% | 500 |
| Retained earnings to average equity (ytd only) | 17.0848% | 188 |
| Net charge-offs to loans | 0.1557% | 904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 153 |
| Efficiency ratio | 70.8955% | 2,363 |
| Assets per employee ($millions) | 2.9294% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7576% | 855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,657 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 6.1059% | 5,565 |
| Net loans and leases to deposits | 7.6163% | 5,568 |
| Net loans and leases to core deposits | 7.6163% | 5,560 |
| Total domestic deposits to total assets | 80.1689% | 4,387 |
| Equity capital to assets | 17.7078% | 339 |
| Core capital (leverage) ratio | 18.9334% | 256 |
| Tier 1 risk-based capital ratio | 129.5658% | 34 |
| Total risk-based capital ratio | 130.3613% | 34 |
| Memoranda: |
| Average total assets | $38,643,000 | 5,296 |
| Average earning assets | $29,676,500 | 5,391 |
| Average equity | $7,632,500 | 4,807 |
| Average total loans | $2,569,000 | 5,569 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9624% | 5,611 |
| Cost of funding earning assets | 0.0562% | 5,605 |
| Net interest margin | 1.9063% | 5,586 |
| Noninterest income to average assets | 21.9880% | 37 |
| Noninterest expense to average assets | 12.8154% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 6.9312% | 23 |
| Return on assets (ROA) | 6.9312% | 23 |
| Pretax return on assets | 10.5551% | 21 |
| Return on Equity (ROE) | 33.6817% | 25 |
| Retained earnings to average equity (ytd only) | 33.6817% | 9 |
| Net charge-offs to loans | -0.3759% | 5,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8357% | 4,874 |
| Assets per employee ($millions) | 2.2230% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0357% | 502 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,549 |
| Noncurrent loans to loans | 0.0415% | 4,813 |
| Net loans and leases to total assets | 7.0715% | 5,629 |
| Net loans and leases to deposits | 9.4384% | 5,630 |
| Net loans and leases to core deposits | 9.4384% | 5,624 |
| Total domestic deposits to total assets | 74.9228% | 5,101 |
| Equity capital to assets | 22.4441% | 139 |
| Core capital (leverage) ratio | 22.0007% | 142 |
| Tier 1 risk-based capital ratio | 150.5525% | 29 |
| Total risk-based capital ratio | 151.5371% | 29 |
| Memoranda: |
| Average total assets | $31,899,200 | 5,468 |
| Average earning assets | $23,134,400 | 5,531 |
| Average equity | $6,564,400 | 5,011 |
| Average total loans | $2,394,000 | 5,638 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7457% | 5,690 |
| Cost of funding earning assets | 0.0598% | 5,660 |
| Net interest margin | 1.6860% | 5,676 |
| Noninterest income to average assets | 22.5544% | 40 |
| Noninterest expense to average assets | 11.6049% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 8.1171% | 23 |
| Return on assets (ROA) | 8.1171% | 23 |
| Pretax return on assets | 12.1418% | 22 |
| Return on Equity (ROE) | 40.4127% | 15 |
| Retained earnings to average equity (ytd only) | 40.4127% | 6 |
| Net charge-offs to loans | -0.5019% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8695% | 5,301 |
| Assets per employee ($millions) | 2.0929% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1576% | 436 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 4,582 |
| Noncurrent loans to loans | 0.0440% | 4,915 |
| Net loans and leases to total assets | 7.5836% | 5,694 |
| Net loans and leases to deposits | 10.4890% | 5,693 |
| Net loans and leases to core deposits | 10.4890% | 5,686 |
| Total domestic deposits to total assets | 72.3003% | 5,357 |
| Equity capital to assets | 24.6246% | 111 |
| Core capital (leverage) ratio | 17.7935% | 316 |
| Tier 1 risk-based capital ratio | 158.9715% | 31 |
| Total risk-based capital ratio | 160.0530% | 31 |
| Memoranda: |
| Average total assets | $31,537,750 | 5,530 |
| Average earning assets | $22,301,250 | 5,605 |
| Average equity | $6,334,500 | 5,110 |
| Average total loans | $2,390,750 | 5,701 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.6927% | 5,743 |
| Cost of funding earning assets | 0.0543% | 5,713 |
| Net interest margin | 1.6384% | 5,734 |
| Noninterest income to average assets | 22.2218% | 40 |
| Noninterest expense to average assets | 10.3953% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 9.0076% | 21 |
| Return on assets (ROA) | 9.0076% | 21 |
| Pretax return on assets | 12.9477% | 21 |
| Return on Equity (ROE) | 48.1377% | 14 |
| Retained earnings to average equity (ytd only) | 48.1377% | 8 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5329% | 5,507 |
| Assets per employee ($millions) | 2.3398% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4892% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,690 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 8.6991% | 5,741 |
| Net loans and leases to deposits | 11.6262% | 5,741 |
| Net loans and leases to core deposits | 11.6262% | 5,734 |
| Total domestic deposits to total assets | 74.8233% | 5,218 |
| Equity capital to assets | 22.2047% | 144 |
| Core capital (leverage) ratio | 18.9999% | 241 |
| Tier 1 risk-based capital ratio | 125.3395% | 33 |
| Total risk-based capital ratio | 126.0837% | 33 |
| Memoranda: |
| Average total assets | $32,283,670 | 5,569 |
| Average earning assets | $22,094,670 | 5,652 |
| Average equity | $6,041,000 | 5,186 |
| Average total loans | $2,430,670 | 5,750 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7047% | 5,815 |
| Cost of funding earning assets | 0.0758% | 5,725 |
| Net interest margin | 1.6289% | 5,801 |
| Noninterest income to average assets | 21.2301% | 39 |
| Noninterest expense to average assets | 7.8634% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 9.3928% | 20 |
| Return on assets (ROA) | 9.3928% | 20 |
| Pretax return on assets | 14.4023% | 19 |
| Return on Equity (ROE) | 54.8861% | 14 |
| Retained earnings to average equity (ytd only) | 54.8861% | 10 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3164% | 5,761 |
| Assets per employee ($millions) | 2.7225% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7794% | 1,000 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 4,595 |
| Noncurrent loans to loans | 0.8897% | 2,246 |
| Net loans and leases to total assets | 6.2385% | 5,816 |
| Net loans and leases to deposits | 7.8504% | 5,815 |
| Net loans and leases to core deposits | 7.8504% | 5,807 |
| Total domestic deposits to total assets | 79.4677% | 4,720 |
| Equity capital to assets | 17.1644% | 372 |
| Core capital (leverage) ratio | 17.4420% | 328 |
| Tier 1 risk-based capital ratio | 94.5129% | 42 |
| Total risk-based capital ratio | 95.1364% | 42 |
| Memoranda: |
| Average total assets | $33,217,000 | 5,619 |
| Average earning assets | $21,118,500 | 5,730 |
| Average equity | $5,684,500 | 5,289 |
| Average total loans | $2,303,000 | 5,819 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5144% | 5,866 |
| Cost of funding earning assets | 0.0746% | 5,793 |
| Net interest margin | 1.4398% | 5,857 |
| Noninterest income to average assets | 19.0359% | 41 |
| Noninterest expense to average assets | 12.6065% | 56 |
| Loan and lease loss provision to assets | 0.0244% | 3,870 |
| Net operating income to assets | 4.9758% | 34 |
| Return on assets (ROA) | 4.9758% | 35 |
| Pretax return on assets | 7.4271% | 29 |
| Return on Equity (ROE) | 26.1156% | 65 |
| Retained earnings to average equity (ytd only) | 26.1156% | 22 |
| Net charge-offs to loans | 2.1053% | 67 |
| Credit loss provision to net charge-offs | 12.5000% | 3,730 |
| Earnings coverage of net charge-offs (x) | 38.1250% | 1,216 |
| Efficiency ratio | 62.8502% | 4,130 |
| Assets per employee ($millions) | 2.3878% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6964% | 1,144 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 4,497 |
| Noncurrent loans to loans | 0.9754% | 2,140 |
| Net loans and leases to total assets | 7.4675% | 5,873 |
| Net loans and leases to deposits | 9.2883% | 5,871 |
| Net loans and leases to core deposits | 9.2883% | 5,862 |
| Total domestic deposits to total assets | 80.3969% | 4,480 |
| Equity capital to assets | 17.0549% | 382 |
| Core capital (leverage) ratio | 14.5038% | 696 |
| Tier 1 risk-based capital ratio | 89.4345% | 43 |
| Total risk-based capital ratio | 90.1118% | 44 |
| Memoranda: |
| Average total assets | $24,558,800 | 5,781 |
| Average earning assets | $17,433,200 | 5,834 |
| Average equity | $4,679,200 | 5,529 |
| Average total loans | $2,280,000 | 5,876 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4874% | 5,936 |
| Cost of funding earning assets | 0.0808% | 5,842 |
| Net interest margin | 1.4065% | 5,928 |
| Noninterest income to average assets | 17.4435% | 44 |
| Noninterest expense to average assets | 11.3461% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 4.6966% | 39 |
| Return on assets (ROA) | 4.6966% | 40 |
| Pretax return on assets | 7.1088% | 34 |
| Return on Equity (ROE) | 23.8053% | 105 |
| Retained earnings to average equity (ytd only) | 23.8053% | 33 |
| Net charge-offs to loans | 0.1181% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 610.7228% | 150 |
| Efficiency ratio | 61.4803% | 4,316 |
| Assets per employee ($millions) | 1.8882% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5011% | 116 |
| Loan loss allowance to noncurrent loans | 115.9420% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 4,195 |
| Noncurrent loans to loans | 3.0197% | 491 |
| Net loans and leases to total assets | 9.7317% | 5,932 |
| Net loans and leases to deposits | 12.8917% | 5,932 |
| Net loans and leases to core deposits | 12.8917% | 5,925 |
| Total domestic deposits to total assets | 75.4877% | 5,290 |
| Equity capital to assets | 21.6701% | 172 |
| Core capital (leverage) ratio | 18.4104% | 270 |
| Tier 1 risk-based capital ratio | 103.5957% | 39 |
| Total risk-based capital ratio | 104.8511% | 40 |
| Memoranda: |
| Average total assets | $22,938,250 | 5,866 |
| Average earning assets | $16,494,250 | 5,909 |
| Average equity | $4,525,500 | 5,608 |
| Average total loans | $2,260,500 | 5,943 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4630% | 6,016 |
| Cost of funding earning assets | 0.0763% | 5,938 |
| Net interest margin | 1.3867% | 6,010 |
| Noninterest income to average assets | 16.7682% | 44 |
| Noninterest expense to average assets | 9.9689% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 5.0105% | 35 |
| Return on assets (ROA) | 5.0105% | 35 |
| Pretax return on assets | 7.7459% | 29 |
| Return on Equity (ROE) | 26.2432% | 74 |
| Retained earnings to average equity (ytd only) | 26.2432% | 28 |
| Net charge-offs to loans | 0.1776% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 157 |
| Efficiency ratio | 56.2745% | 5,117 |
| Assets per employee ($millions) | 2.1654% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4203% | 134 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,894 |
| Noncurrent loans to loans | 4.4463% | 238 |
| Net loans and leases to total assets | 8.6935% | 6,012 |
| Net loans and leases to deposits | 10.9289% | 6,014 |
| Net loans and leases to core deposits | 10.9289% | 6,007 |
| Total domestic deposits to total assets | 79.5459% | 4,660 |
| Equity capital to assets | 18.0181% | 341 |
| Core capital (leverage) ratio | 19.0018% | 235 |
| Tier 1 risk-based capital ratio | 96.4234% | 44 |
| Total risk-based capital ratio | 97.6710% | 43 |
| Memoranda: |
| Average total assets | $23,031,670 | 5,936 |
| Average earning assets | $15,721,000 | 5,992 |
| Average equity | $4,397,330 | 5,698 |
| Average total loans | $2,252,330 | 6,019 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7640% | 6,070 |
| Cost of funding earning assets | 0.1283% | 5,764 |
| Net interest margin | 1.6357% | 6,058 |
| Noninterest income to average assets | 16.6272% | 43 |
| Noninterest expense to average assets | 8.8889% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 6.2115% | 32 |
| Return on assets (ROA) | 6.1981% | 31 |
| Pretax return on assets | 8.6662% | 27 |
| Return on Equity (ROE) | 31.3984% | 41 |
| Retained earnings to average equity (ytd only) | 31.3984% | 23 |
| Net charge-offs to loans | 0.1811% | 1,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 468.0000% | 120 |
| Efficiency ratio | 50.5808% | 5,589 |
| Assets per employee ($millions) | 1.8592% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8208% | 104 |
| Loan loss allowance to noncurrent loans | 122.7273% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 4,275 |
| Noncurrent loans to loans | 3.1132% | 508 |
| Net loans and leases to total assets | 9.9702% | 6,070 |
| Net loans and leases to deposits | 13.2197% | 6,069 |
| Net loans and leases to core deposits | 13.2197% | 6,062 |
| Total domestic deposits to total assets | 75.4193% | 5,479 |
| Equity capital to assets | 21.6469% | 160 |
| Core capital (leverage) ratio | 19.1349% | 230 |
| Tier 1 risk-based capital ratio | 95.9380% | 45 |
| Total risk-based capital ratio | 97.1610% | 45 |
| Memoranda: |
| Average total assets | $21,555,000 | 6,021 |
| Average earning assets | $12,472,000 | 6,082 |
| Average equity | $4,255,000 | 5,767 |
| Average total loans | $2,209,000 | 6,082 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1122% | 6,089 |
| Cost of funding earning assets | 0.1116% | 5,919 |
| Net interest margin | 2.0006% | 6,050 |
| Noninterest income to average assets | 26.5370% | 34 |
| Noninterest expense to average assets | 15.9690% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 7.4541% | 25 |
| Return on assets (ROA) | 7.4541% | 25 |
| Pretax return on assets | 11.8969% | 22 |
| Return on Equity (ROE) | 39.2846% | 28 |
| Retained earnings to average equity (ytd only) | 37.4812% | 14 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3066% | 5,224 |
| Assets per employee ($millions) | 2.2659% | 5,981 |
| Cash dividends to net income (ytd only)* | 4.5907% | 4,188 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5683% | 123 |
| Loan loss allowance to noncurrent loans | 118.8406% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 4,387 |
| Noncurrent loans to loans | 3.0026% | 535 |
| Net loans and leases to total assets | 9.7798% | 6,132 |
| Net loans and leases to deposits | 12.2168% | 6,133 |
| Net loans and leases to core deposits | 12.2168% | 6,123 |
| Total domestic deposits to total assets | 80.0521% | 4,730 |
| Equity capital to assets | 18.0193% | 314 |
| Core capital (leverage) ratio | 19.1901% | 231 |
| Tier 1 risk-based capital ratio | 72.6086% | 65 |
| Total risk-based capital ratio | 73.8602% | 65 |
| Memoranda: |
| Average total assets | $17,534,000 | 6,120 |
| Average earning assets | $11,646,600 | 6,147 |
| Average equity | $3,327,000 | 5,951 |
| Average total loans | $2,444,800 | 6,143 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0787% | 6,181 |
| Cost of funding earning assets | 0.1371% | 5,872 |
| Net interest margin | 1.9417% | 6,148 |
| Noninterest income to average assets | 25.6525% | 36 |
| Noninterest expense to average assets | 13.8476% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 6.8582% | 30 |
| Return on assets (ROA) | 6.8582% | 30 |
| Pretax return on assets | 13.1995% | 22 |
| Return on Equity (ROE) | 35.5207% | 34 |
| Retained earnings to average equity (ytd only) | 32.9713% | 21 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1981% | 5,707 |
| Assets per employee ($millions) | 1.7234% | 6,170 |
| Cash dividends to net income (ytd only)* | 7.1772% | 3,652 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2566% | 188 |
| Loan loss allowance to noncurrent loans | 122.3881% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 4,211 |
| Noncurrent loans to loans | 2.6608% | 732 |
| Net loans and leases to total assets | 14.1348% | 6,198 |
| Net loans and leases to deposits | 19.3149% | 6,188 |
| Net loans and leases to core deposits | 19.3149% | 6,189 |
| Total domestic deposits to total assets | 73.1809% | 5,773 |
| Equity capital to assets | 21.0282% | 197 |
| Core capital (leverage) ratio | 18.1593% | 292 |
| Tier 1 risk-based capital ratio | 78.9231% | 57 |
| Total risk-based capital ratio | 80.1758% | 57 |
| Memoranda: |
| Average total assets | $16,252,750 | 6,224 |
| Average earning assets | $11,673,500 | 6,233 |
| Average equity | $3,138,000 | 6,066 |
| Average total loans | $2,481,500 | 6,228 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0779% | 6,255 |
| Cost of funding earning assets | 0.1202% | 6,041 |
| Net interest margin | 1.9577% | 6,216 |
| Noninterest income to average assets | 26.7367% | 35 |
| Noninterest expense to average assets | 13.7514% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 5.9903% | 40 |
| Return on assets (ROA) | 5.9903% | 41 |
| Pretax return on assets | 14.4170% | 21 |
| Return on Equity (ROE) | 32.0565% | 48 |
| Retained earnings to average equity (ytd only) | 28.0242% | 36 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8185% | 5,914 |
| Assets per employee ($millions) | 1.6774% | 6,256 |
| Cash dividends to net income (ytd only)* | 12.5786% | 3,401 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2233% | 214 |
| Loan loss allowance to noncurrent loans | 117.1429% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 4,238 |
| Noncurrent loans to loans | 2.7516% | 771 |
| Net loans and leases to total assets | 14.6775% | 6,267 |
| Net loans and leases to deposits | 19.6976% | 6,254 |
| Net loans and leases to core deposits | 19.6976% | 6,258 |
| Total domestic deposits to total assets | 74.5141% | 5,749 |
| Equity capital to assets | 19.3693% | 250 |
| Core capital (leverage) ratio | 15.9735% | 470 |
| Tier 1 risk-based capital ratio | 74.6648% | 65 |
| Total risk-based capital ratio | 75.9131% | 64 |
| Memoranda: |
| Average total assets | $15,925,670 | 6,303 |
| Average earning assets | $11,646,330 | 6,307 |
| Average equity | $2,976,000 | 6,152 |
| Average total loans | $2,469,330 | 6,303 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0016% | 6,335 |
| Cost of funding earning assets | 0.1380% | 6,009 |
| Net interest margin | 1.8636% | 6,306 |
| Noninterest income to average assets | 19.7142% | 43 |
| Noninterest expense to average assets | 6.7864% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 7.6380% | 27 |
| Return on assets (ROA) | 7.6380% | 28 |
| Pretax return on assets | 14.3212% | 25 |
| Return on Equity (ROE) | 41.6975% | 33 |
| Retained earnings to average equity (ytd only) | 41.6975% | 15 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1516% | 6,354 |
| Assets per employee ($millions) | 1.4943% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6821% | 154 |
| Loan loss allowance to noncurrent loans | 117.1429% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 4,329 |
| Noncurrent loans to loans | 3.1432% | 660 |
| Net loans and leases to total assets | 13.0498% | 6,347 |
| Net loans and leases to deposits | 17.0414% | 6,337 |
| Net loans and leases to core deposits | 17.0414% | 6,336 |
| Total domestic deposits to total assets | 76.5772% | 5,678 |
| Equity capital to assets | 18.2333% | 313 |
| Core capital (leverage) ratio | 16.0243% | 459 |
| Tier 1 risk-based capital ratio | 64.6288% | 93 |
| Total risk-based capital ratio | 65.8734% | 92 |
| Memoranda: |
| Average total assets | $15,501,500 | 6,373 |
| Average earning assets | $11,590,500 | 6,378 |
| Average equity | $2,839,500 | 6,230 |
| Average total loans | $2,432,000 | 6,373 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2815% | 6,385 |
| Cost of funding earning assets | 0.1267% | 6,213 |
| Net interest margin | 2.1547% | 6,325 |
| Noninterest income to average assets | 23.7774% | 33 |
| Noninterest expense to average assets | 13.5395% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 7.5409% | 26 |
| Return on assets (ROA) | 7.5409% | 26 |
| Pretax return on assets | 12.0825% | 24 |
| Return on Equity (ROE) | 46.8780% | 16 |
| Retained earnings to average equity (ytd only) | 46.8780% | 7 |
| Net charge-offs to loans | -0.0761% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8433% | 5,922 |
| Assets per employee ($millions) | 1.8208% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1096% | 264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 17.5408% | 6,396 |
| Net loans and leases to deposits | 23.5224% | 6,374 |
| Net loans and leases to core deposits | 23.5224% | 6,378 |
| Total domestic deposits to total assets | 74.5709% | 5,897 |
| Equity capital to assets | 18.4127% | 295 |
| Core capital (leverage) ratio | 15.5753% | 521 |
| Tier 1 risk-based capital ratio | 26.9091% | 691 |
| Total risk-based capital ratio | 27.7374% | 707 |
| Memoranda: |
| Average total assets | $12,903,000 | 6,479 |
| Average earning assets | $11,045,600 | 6,468 |
| Average equity | $2,075,600 | 6,394 |
| Average total loans | $2,626,400 | 6,465 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3563% | 6,447 |
| Cost of funding earning assets | 0.1350% | 6,263 |
| Net interest margin | 2.2213% | 6,379 |
| Noninterest income to average assets | 22.9882% | 33 |
| Noninterest expense to average assets | 10.8695% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 8.7447% | 22 |
| Return on assets (ROA) | 8.7447% | 22 |
| Pretax return on assets | 14.0513% | 19 |
| Return on Equity (ROE) | 56.7552% | 10 |
| Retained earnings to average equity (ytd only) | 56.7552% | 3 |
| Net charge-offs to loans | -0.0507% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6161% | 6,374 |
| Assets per employee ($millions) | 1.8463% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4497% | 240 |
| Loan loss allowance to noncurrent loans | 253.1250% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,238 |
| Noncurrent loans to loans | 1.3629% | 2,373 |
| Net loans and leases to total assets | 17.5410% | 6,479 |
| Net loans and leases to deposits | 23.8456% | 6,450 |
| Net loans and leases to core deposits | 23.8456% | 6,455 |
| Total domestic deposits to total assets | 73.5608% | 6,049 |
| Equity capital to assets | 18.0439% | 333 |
| Core capital (leverage) ratio | 16.0460% | 469 |
| Tier 1 risk-based capital ratio | 28.3929% | 621 |
| Total risk-based capital ratio | 29.3851% | 618 |
| Memoranda: |
| Average total assets | $12,487,250 | 6,559 |
| Average earning assets | $10,864,250 | 6,547 |
| Average equity | $1,924,000 | 6,490 |
| Average total loans | $2,623,750 | 6,544 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5632% | 6,458 |
| Cost of funding earning assets | 0.1553% | 6,237 |
| Net interest margin | 2.4078% | 6,353 |
| Noninterest income to average assets | 23.2546% | 33 |
| Noninterest expense to average assets | 10.4038% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 9.2636% | 21 |
| Return on assets (ROA) | 9.2532% | 21 |
| Pretax return on assets | 14.8440% | 18 |
| Return on Equity (ROE) | 63.8702% | 14 |
| Retained earnings to average equity (ytd only) | 63.8702% | 7 |
| Net charge-offs to loans | -0.0736% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1802% | 6,499 |
| Assets per employee ($millions) | 1.7804% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2940% | 276 |
| Loan loss allowance to noncurrent loans | 245.4545% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 5,299 |
| Noncurrent loans to loans | 1.3420% | 2,565 |
| Net loans and leases to total assets | 19.0805% | 6,524 |
| Net loans and leases to deposits | 25.0712% | 6,502 |
| Net loans and leases to core deposits | 25.0712% | 6,506 |
| Total domestic deposits to total assets | 76.1053% | 5,905 |
| Equity capital to assets | 16.7777% | 445 |
| Core capital (leverage) ratio | 14.7174% | 651 |
| Tier 1 risk-based capital ratio | 49.0289% | 139 |
| Total risk-based capital ratio | 50.2842% | 138 |
| Memoranda: |
| Average total assets | $12,341,670 | 6,627 |
| Average earning assets | $10,299,670 | 6,618 |
| Average equity | $1,788,000 | 6,564 |
| Average total loans | $2,715,670 | 6,609 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9365% | 6,299 |
| Cost of funding earning assets | 0.1702% | 6,229 |
| Net interest margin | 2.7663% | 6,004 |
| Noninterest income to average assets | 22.8646% | 35 |
| Noninterest expense to average assets | 8.9244% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 9.4012% | 22 |
| Return on assets (ROA) | 9.3803% | 22 |
| Pretax return on assets | 16.0248% | 19 |
| Return on Equity (ROE) | 70.3941% | 14 |
| Retained earnings to average equity (ytd only) | 70.3941% | 9 |
| Net charge-offs to loans | -0.1406% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7236% | 6,642 |
| Assets per employee ($millions) | 2.0400% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8239% | 523 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 5,331 |
| Noncurrent loans to loans | 1.2001% | 3,041 |
| Net loans and leases to total assets | 22.4918% | 6,533 |
| Net loans and leases to deposits | 28.1925% | 6,508 |
| Net loans and leases to core deposits | 28.1925% | 6,525 |
| Total domestic deposits to total assets | 79.7794% | 5,529 |
| Equity capital to assets | 14.6487% | 752 |
| Core capital (leverage) ratio | 12.2078% | 1,529 |
| Tier 1 risk-based capital ratio | 38.7587% | 258 |
| Total risk-based capital ratio | 39.9740% | 255 |
| Memoranda: |
| Average total assets | $12,281,000 | 6,702 |
| Average earning assets | $9,399,000 | 6,698 |
| Average equity | $1,636,500 | 6,648 |
| Average total loans | $2,844,000 | 6,679 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0440% | 6,296 |
| Cost of funding earning assets | 0.2334% | 6,073 |
| Net interest margin | 2.8106% | 5,959 |
| Noninterest income to average assets | 7.0796% | 93 |
| Noninterest expense to average assets | 6.8307% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.4722% | 175 |
| Return on assets (ROA) | 2.4722% | 178 |
| Pretax return on assets | 2.4722% | 205 |
| Return on Equity (ROE) | 20.7575% | 248 |
| Retained earnings to average equity (ytd only) | 20.7575% | 76 |
| Net charge-offs to loans | 0.0717% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 299 |
| Efficiency ratio | 73.4254% | 3,228 |
| Assets per employee ($millions) | 2.0537% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8021% | 600 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 5,404 |
| Noncurrent loans to loans | 1.2259% | 3,097 |
| Net loans and leases to total assets | 22.5207% | 6,627 |
| Net loans and leases to deposits | 26.5271% | 6,632 |
| Net loans and leases to core deposits | 26.5271% | 6,642 |
| Total domestic deposits to total assets | 84.8969% | 3,798 |
| Equity capital to assets | 12.0110% | 1,799 |
| Core capital (leverage) ratio | 11.8107% | 1,747 |
| Tier 1 risk-based capital ratio | 18.8705% | 1,963 |
| Total risk-based capital ratio | 19.6269% | 2,078 |
| Memoranda: |
| Average total assets | $12,458,400 | 6,782 |
| Average earning assets | $9,855,600 | 6,777 |
| Average equity | $1,483,800 | 6,759 |
| Average total loans | $2,788,600 | 6,765 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8996% | 6,493 |
| Cost of funding earning assets | 0.2269% | 6,250 |
| Net interest margin | 2.6727% | 6,219 |
| Noninterest income to average assets | 6.3183% | 106 |
| Noninterest expense to average assets | 6.4571% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1239% | 295 |
| Return on assets (ROA) | 2.1239% | 306 |
| Pretax return on assets | 2.1239% | 455 |
| Return on Equity (ROE) | 17.8703% | 451 |
| Retained earnings to average equity (ytd only) | 17.8703% | 109 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2488% | 2,855 |
| Assets per employee ($millions) | 2.1627% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9971% | 553 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,453 |
| Noncurrent loans to loans | 0.0731% | 6,119 |
| Net loans and leases to total assets | 20.4531% | 6,743 |
| Net loans and leases to deposits | 24.1339% | 6,752 |
| Net loans and leases to core deposits | 24.1339% | 6,760 |
| Total domestic deposits to total assets | 84.7488% | 3,861 |
| Equity capital to assets | 12.1455% | 1,831 |
| Core capital (leverage) ratio | 12.8667% | 1,257 |
| Tier 1 risk-based capital ratio | 28.4624% | 597 |
| Total risk-based capital ratio | 29.7165% | 581 |
| Memoranda: |
| Average total assets | $12,492,500 | 6,859 |
| Average earning assets | $10,576,000 | 6,852 |
| Average equity | $1,484,750 | 6,838 |
| Average total loans | $2,772,000 | 6,842 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9282% | 6,513 |
| Cost of funding earning assets | 0.2472% | 6,194 |
| Net interest margin | 2.6810% | 6,207 |
| Noninterest income to average assets | 4.6224% | 159 |
| Noninterest expense to average assets | 5.3360% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5732% | 782 |
| Return on assets (ROA) | 1.5732% | 852 |
| Pretax return on assets | 1.5732% | 1,438 |
| Return on Equity (ROE) | 13.3395% | 1,159 |
| Retained earnings to average equity (ytd only) | 13.3395% | 347 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2300% | 2,589 |
| Assets per employee ($millions) | 2.0080% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0427% | 560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.6882% | 6,769 |
| Net loans and leases to deposits | 25.2196% | 6,779 |
| Net loans and leases to core deposits | 25.2196% | 6,792 |
| Total domestic deposits to total assets | 85.9977% | 3,369 |
| Equity capital to assets | 11.4127% | 2,367 |
| Core capital (leverage) ratio | 12.0937% | 1,568 |
| Tier 1 risk-based capital ratio | 33.9195% | 373 |
| Total risk-based capital ratio | 35.1689% | 365 |
| Memoranda: |
| Average total assets | $12,331,330 | 6,909 |
| Average earning assets | $10,518,330 | 6,901 |
| Average equity | $1,454,330 | 6,889 |
| Average total loans | $2,784,000 | 6,890 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9177% | 6,592 |
| Cost of funding earning assets | 0.2244% | 6,449 |
| Net interest margin | 2.6932% | 6,222 |
| Noninterest income to average assets | 3.8804% | 192 |
| Noninterest expense to average assets | 5.9007% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2886% | 5,603 |
| Return on assets (ROA) | 0.2886% | 5,723 |
| Pretax return on assets | 0.2886% | 5,879 |
| Return on Equity (ROE) | 2.4096% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.4096% | 4,823 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3368% | 760 |
| Assets per employee ($millions) | 1.9920% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9667% | 682 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 6,536 |
| Noncurrent loans to loans | 0.0724% | 6,265 |
| Net loans and leases to total assets | 22.4398% | 6,810 |
| Net loans and leases to deposits | 26.5992% | 6,808 |
| Net loans and leases to core deposits | 27.4430% | 6,815 |
| Total domestic deposits to total assets | 84.3624% | 4,329 |
| Equity capital to assets | 12.5000% | 1,712 |
| Core capital (leverage) ratio | 10.6167% | 2,640 |
| Tier 1 risk-based capital ratio | 35.8554% | 317 |
| Total risk-based capital ratio | 37.0515% | 315 |
| Memoranda: |
| Average total assets | $12,473,000 | 6,984 |
| Average earning assets | $10,693,500 | 6,976 |
| Average equity | $1,494,000 | 6,955 |
| Average total loans | $2,828,500 | 6,964 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7526% | 5,942 |
| Cost of funding earning assets | 0.3824% | 6,035 |
| Net interest margin | 3.3701% | 4,996 |
| Noninterest income to average assets | 5.8543% | 121 |
| Noninterest expense to average assets | 7.2824% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2390% | 1,479 |
| Return on assets (ROA) | 1.2390% | 1,643 |
| Pretax return on assets | 1.2390% | 2,641 |
| Return on Equity (ROE) | 9.5038% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.5038% | 698 |
| Net charge-offs to loans | 0.2074% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,286 |
| Efficiency ratio | 85.4606% | 1,476 |
| Assets per employee ($millions) | 1.8563% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8344% | 798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 21.6331% | 6,904 |
| Net loans and leases to deposits | 25.3038% | 6,907 |
| Net loans and leases to core deposits | 25.3038% | 6,914 |
| Total domestic deposits to total assets | 85.4933% | 3,612 |
| Equity capital to assets | 11.4976% | 2,448 |
| Core capital (leverage) ratio | 10.7525% | 2,491 |
| Tier 1 risk-based capital ratio | 31.3012% | 459 |
| Total risk-based capital ratio | 32.5523% | 447 |
| Memoranda: |
| Average total assets | $10,573,400 | 7,064 |
| Average earning assets | $8,367,600 | 7,059 |
| Average equity | $1,378,400 | 7,035 |
| Average total loans | $2,893,000 | 7,036 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9504% | 5,660 |
| Cost of funding earning assets | 0.4331% | 5,916 |
| Net interest margin | 3.5172% | 4,575 |
| Noninterest income to average assets | 6.0992% | 111 |
| Noninterest expense to average assets | 7.7444% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0700% | 2,213 |
| Return on assets (ROA) | 1.0700% | 2,421 |
| Pretax return on assets | 1.0700% | 3,465 |
| Return on Equity (ROE) | 7.9037% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.9037% | 1,655 |
| Net charge-offs to loans | 0.0460% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 80.1955% | 514 |
| Efficiency ratio | 87.8604% | 1,206 |
| Assets per employee ($millions) | 2.0138% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2451% | 581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,768 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 21.4682% | 7,006 |
| Net loans and leases to deposits | 24.9303% | 7,020 |
| Net loans and leases to core deposits | 24.9303% | 7,031 |
| Total domestic deposits to total assets | 86.1127% | 3,188 |
| Equity capital to assets | 11.0486% | 3,212 |
| Core capital (leverage) ratio | 9.3312% | 4,529 |
| Tier 1 risk-based capital ratio | 34.2030% | 380 |
| Total risk-based capital ratio | 35.4689% | 374 |
| Memoranda: |
| Average total assets | $9,968,250 | 7,163 |
| Average earning assets | $7,695,250 | 7,159 |
| Average equity | $1,349,500 | 7,136 |
| Average total loans | $2,893,000 | 7,133 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2107% | 4,910 |
| Cost of funding earning assets | 0.4709% | 5,824 |
| Net interest margin | 3.7398% | 3,641 |
| Noninterest income to average assets | 6.3908% | 109 |
| Noninterest expense to average assets | 8.1396% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1659% | 1,830 |
| Return on assets (ROA) | 1.3602% | 1,444 |
| Pretax return on assets | 1.3602% | 2,352 |
| Return on Equity (ROE) | 9.3035% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.3035% | 1,174 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4710% | 1,287 |
| Assets per employee ($millions) | 1.5895% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0899% | 724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 6,815 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 28.9399% | 6,903 |
| Net loans and leases to deposits | 35.5578% | 6,887 |
| Net loans and leases to core deposits | 35.5578% | 6,921 |
| Total domestic deposits to total assets | 81.3883% | 5,336 |
| Equity capital to assets | 14.8160% | 827 |
| Core capital (leverage) ratio | 13.3969% | 1,015 |
| Tier 1 risk-based capital ratio | 34.5037% | 357 |
| Total risk-based capital ratio | 35.6389% | 357 |
| Memoranda: |
| Average total assets | $9,263,330 | 7,230 |
| Average earning assets | $7,219,670 | 7,224 |
| Average equity | $1,354,330 | 7,193 |
| Average total loans | $2,963,670 | 7,193 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3448% | 4,536 |
| Cost of funding earning assets | 0.4456% | 6,174 |
| Net interest margin | 3.8992% | 2,928 |
| Noninterest income to average assets | 6.5743% | 108 |
| Noninterest expense to average assets | 8.4151% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2272% | 1,663 |
| Return on assets (ROA) | 1.6217% | 929 |
| Pretax return on assets | 1.6217% | 1,501 |
| Return on Equity (ROE) | 11.1698% | 1,953 |
| Retained earnings to average equity (ytd only) | 11.1698% | 990 |
| Net charge-offs to loans | -0.1324% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2727% | 1,357 |
| Assets per employee ($millions) | 1.6480% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0417% | 801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,904 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 28.6913% | 6,954 |
| Net loans and leases to deposits | 34.2964% | 6,942 |
| Net loans and leases to core deposits | 34.2964% | 6,985 |
| Total domestic deposits to total assets | 83.6570% | 4,653 |
| Equity capital to assets | 13.6833% | 1,152 |
| Core capital (leverage) ratio | 12.8421% | 1,188 |
| Tier 1 risk-based capital ratio | 32.8041% | 401 |
| Total risk-based capital ratio | 33.8284% | 400 |
| Memoranda: |
| Average total assets | $9,126,500 | 7,292 |
| Average earning assets | $7,181,000 | 7,287 |
| Average equity | $1,325,000 | 7,248 |
| Average total loans | $3,021,500 | 7,256 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8190% | 3,720 |
| Cost of funding earning assets | 0.4674% | 6,668 |
| Net interest margin | 4.3516% | 1,537 |
| Noninterest income to average assets | 7.4359% | 83 |
| Noninterest expense to average assets | 9.4650% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4384% | 947 |
| Return on assets (ROA) | 1.4512% | 1,005 |
| Pretax return on assets | 1.4512% | 1,623 |
| Return on Equity (ROE) | 10.2411% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.2411% | 515 |
| Net charge-offs to loans | 0.1881% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,207 |
| Efficiency ratio | 86.8080% | 1,462 |
| Assets per employee ($millions) | 1.1950% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8232% | 954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,957 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.2104% | 6,757 |
| Net loans and leases to deposits | 44.3160% | 6,708 |
| Net loans and leases to core deposits | 44.3160% | 6,802 |
| Total domestic deposits to total assets | 81.7095% | 5,227 |
| Equity capital to assets | 15.5051% | 676 |
| Core capital (leverage) ratio | 14.8289% | 640 |
| Tier 1 risk-based capital ratio | 33.0412% | 391 |
| Total risk-based capital ratio | 34.1036% | 391 |
| Memoranda: |
| Average total assets | $7,786,600 | 7,348 |
| Average earning assets | $6,204,600 | 7,337 |
| Average equity | $1,103,400 | 7,324 |
| Average total loans | $3,189,400 | 7,299 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8932% | 3,592 |
| Cost of funding earning assets | 0.4692% | 6,819 |
| Net interest margin | 4.4240% | 1,336 |
| Noninterest income to average assets | 7.3452% | 83 |
| Noninterest expense to average assets | 9.4040% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3957% | 1,161 |
| Return on assets (ROA) | 1.4132% | 1,203 |
| Pretax return on assets | 1.4132% | 1,905 |
| Return on Equity (ROE) | 10.2370% | 2,119 |
| Retained earnings to average equity (ytd only) | 10.2370% | 782 |
| Net charge-offs to loans | 0.2909% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.4319% | 1,808 |
| Efficiency ratio | 87.0759% | 1,427 |
| Assets per employee ($millions) | 1.2124% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8469% | 983 |
| Loan loss allowance to noncurrent loans | 395.4545% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 6,388 |
| Noncurrent loans to loans | 0.7199% | 5,437 |
| Net loans and leases to total assets | 34.9829% | 6,914 |
| Net loans and leases to deposits | 42.1434% | 6,905 |
| Net loans and leases to core deposits | 42.1434% | 6,981 |
| Total domestic deposits to total assets | 83.0093% | 4,680 |
| Equity capital to assets | 14.9758% | 856 |
| Core capital (leverage) ratio | 15.6488% | 557 |
| Tier 1 risk-based capital ratio | 32.5195% | 435 |
| Total risk-based capital ratio | 33.5927% | 437 |
| Memoranda: |
| Average total assets | $7,642,000 | 7,427 |
| Average earning assets | $5,967,250 | 7,418 |
| Average equity | $1,055,000 | 7,405 |
| Average total loans | $3,207,500 | 7,372 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0565% | 2,893 |
| Cost of funding earning assets | 0.5160% | 6,793 |
| Net interest margin | 4.5405% | 1,032 |
| Noninterest income to average assets | 7.6355% | 84 |
| Noninterest expense to average assets | 9.5104% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7119% | 582 |
| Return on assets (ROA) | 1.7391% | 595 |
| Pretax return on assets | 1.7391% | 975 |
| Return on Equity (ROE) | 13.0214% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.0214% | 390 |
| Net charge-offs to loans | -0.2455% | 7,320 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7458% | 1,734 |
| Assets per employee ($millions) | 1.2937% | 7,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2864% | 711 |
| Loan loss allowance to noncurrent loans | 392.0000% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 6,288 |
| Noncurrent loans to loans | 0.8384% | 5,254 |
| Net loans and leases to total assets | 37.1554% | 6,902 |
| Net loans and leases to deposits | 43.7566% | 6,927 |
| Net loans and leases to core deposits | 43.7566% | 7,013 |
| Total domestic deposits to total assets | 84.9137% | 3,917 |
| Equity capital to assets | 13.4244% | 1,328 |
| Core capital (leverage) ratio | 13.7210% | 938 |
| Tier 1 risk-based capital ratio | 28.9593% | 602 |
| Total risk-based capital ratio | 30.2319% | 587 |
| Memoranda: |
| Average total assets | $7,360,330 | 7,503 |
| Average earning assets | $5,814,330 | 7,494 |
| Average equity | $983,000 | 7,482 |
| Average total loans | $3,258,000 | 7,445 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8032% | 4,045 |
| Cost of funding earning assets | 0.4544% | 7,104 |
| Net interest margin | 4.3489% | 1,425 |
| Noninterest income to average assets | 7.2072% | 99 |
| Noninterest expense to average assets | 9.2185% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7320% | 551 |
| Return on assets (ROA) | 1.7320% | 580 |
| Pretax return on assets | 1.7320% | 923 |
| Return on Equity (ROE) | 13.0047% | 1,197 |
| Retained earnings to average equity (ytd only) | 13.0047% | 591 |
| Net charge-offs to loans | -0.2356% | 7,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1837% | 1,937 |
| Assets per employee ($millions) | 1.1858% | 7,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9584% | 949 |
| Loan loss allowance to noncurrent loans | 331.0345% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 6,152 |
| Noncurrent loans to loans | 0.8937% | 5,259 |
| Net loans and leases to total assets | 44.2586% | 6,450 |
| Net loans and leases to deposits | 52.4833% | 6,438 |
| Net loans and leases to core deposits | 54.7747% | 6,505 |
| Total domestic deposits to total assets | 84.3289% | 4,354 |
| Equity capital to assets | 13.6613% | 1,120 |
| Core capital (leverage) ratio | 12.9390% | 1,138 |
| Tier 1 risk-based capital ratio | 27.5814% | 662 |
| Total risk-based capital ratio | 28.8617% | 641 |
| Memoranda: |
| Average total assets | $7,159,500 | 7,564 |
| Average earning assets | $6,162,500 | 7,550 |
| Average equity | $953,500 | 7,539 |
| Average total loans | $3,396,000 | 7,503 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5639% | 6,203 |
| Cost of funding earning assets | 0.3859% | 7,438 |
| Net interest margin | 4.1780% | 2,268 |
| Noninterest income to average assets | 1.6965% | 512 |
| Noninterest expense to average assets | 6.3945% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.0875% | 6,732 |
| Return on assets (ROA) | -1.0875% | 6,759 |
| Pretax return on assets | -1.0875% | 6,686 |
| Return on Equity (ROE) | -7.6876% | 6,603 |
| Retained earnings to average equity (ytd only) | -7.6876% | 6,511 |
| Net charge-offs to loans | 0.5866% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -3.9474% | 6,762 |
| Efficiency ratio | 120.4918% | 402 |
| Assets per employee ($millions) | 2.4013% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6501% | 1,227 |
| Loan loss allowance to noncurrent loans | 376.0000% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 6,363 |
| Noncurrent loans to loans | 0.7048% | 5,640 |
| Net loans and leases to total assets | 47.9317% | 6,398 |
| Net loans and leases to deposits | 55.1862% | 6,507 |
| Net loans and leases to core deposits | 57.4925% | 6,599 |
| Total domestic deposits to total assets | 86.8545% | 2,905 |
| Equity capital to assets | 12.9789% | 1,398 |
| Core capital (leverage) ratio | 13.1532% | 1,077 |
| Tier 1 risk-based capital ratio | 25.2103% | 826 |
| Total risk-based capital ratio | 26.4196% | 810 |
| Memoranda: |
| Average total assets | $6,896,600 | 7,646 |
| Average earning assets | $5,959,800 | 7,636 |
| Average equity | $975,600 | 7,635 |
| Average total loans | $3,239,200 | 7,591 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4944% | 6,618 |
| Cost of funding earning assets | 0.4086% | 7,561 |
| Net interest margin | 4.0858% | 2,685 |
| Noninterest income to average assets | 0.6452% | 3,149 |
| Noninterest expense to average assets | 6.2952% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -2.1310% | 7,272 |
| Return on assets (ROA) | -2.1310% | 7,286 |
| Pretax return on assets | -2.1310% | 7,230 |
| Return on Equity (ROE) | -14.7431% | 7,098 |
| Retained earnings to average equity (ytd only) | -14.7431% | 7,071 |
| Net charge-offs to loans | 0.7169% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -6.4107% | 6,605 |
| Efficiency ratio | 151.1737% | 203 |
| Assets per employee ($millions) | 2.3313% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9109% | 892 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 5,975 |
| Noncurrent loans to loans | 1.2129% | 4,822 |
| Net loans and leases to total assets | 45.7821% | 6,714 |
| Net loans and leases to deposits | 52.8994% | 6,841 |
| Net loans and leases to core deposits | 55.1784% | 6,904 |
| Total domestic deposits to total assets | 86.5456% | 2,786 |
| Equity capital to assets | 13.3543% | 1,420 |
| Core capital (leverage) ratio | 13.8478% | 953 |
| Tier 1 risk-based capital ratio | 26.1287% | 764 |
| Total risk-based capital ratio | 27.3984% | 749 |
| Memoranda: |
| Average total assets | $6,819,750 | 7,750 |
| Average earning assets | $5,873,750 | 7,739 |
| Average equity | $985,750 | 7,735 |
| Average total loans | $3,162,250 | 7,690 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3231% | 7,009 |
| Cost of funding earning assets | 0.3715% | 7,678 |
| Net interest margin | 3.9516% | 3,235 |
| Noninterest income to average assets | 0.8282% | 1,981 |
| Noninterest expense to average assets | 6.4185% | 186 |
| Loan and lease loss provision to assets | 0.0592% | 6,367 |
| Net operating income to assets | -2.1888% | 7,351 |
| Return on assets (ROA) | -2.1888% | 7,360 |
| Pretax return on assets | -2.1888% | 7,290 |
| Return on Equity (ROE) | -14.7557% | 7,138 |
| Retained earnings to average equity (ytd only) | -14.7557% | 7,100 |
| Net charge-offs to loans | 0.5133% | 2,992 |
| Credit loss provision to net charge-offs | 25.0000% | 5,803 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 6,319 |
| Efficiency ratio | 149.6552% | 208 |
| Assets per employee ($millions) | 1.6223% | 7,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3743% | 606 |
| Loan loss allowance to noncurrent loans | 214.0000% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 5,582 |
| Noncurrent loans to loans | 1.5768% | 4,344 |
| Net loans and leases to total assets | 47.2184% | 6,689 |
| Net loans and leases to deposits | 55.4771% | 6,764 |
| Net loans and leases to core deposits | 55.4771% | 6,968 |
| Total domestic deposits to total assets | 85.1133% | 3,568 |
| Equity capital to assets | 14.8559% | 912 |
| Core capital (leverage) ratio | 14.7937% | 766 |
| Tier 1 risk-based capital ratio | 28.6353% | 590 |
| Total risk-based capital ratio | 29.9166% | 575 |
| Memoranda: |
| Average total assets | $6,761,670 | 7,819 |
| Average earning assets | $5,921,670 | 7,807 |
| Average equity | $1,003,000 | 7,799 |
| Average total loans | $3,117,000 | 7,761 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9190% | 7,513 |
| Cost of funding earning assets | 0.4497% | 7,737 |
| Net interest margin | 3.4693% | 5,289 |
| Noninterest income to average assets | 0.5219% | 3,880 |
| Noninterest expense to average assets | 5.1029% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.4497% | 7,314 |
| Return on assets (ROA) | -1.4497% | 7,326 |
| Pretax return on assets | -1.4497% | 7,245 |
| Return on Equity (ROE) | -9.7800% | 7,131 |
| Retained earnings to average equity (ytd only) | -9.7800% | 6,954 |
| Net charge-offs to loans | 1.0356% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -3.1250% | 5,503 |
| Efficiency ratio | 139.6825% | 257 |
| Assets per employee ($millions) | 2.2583% | 7,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3675% | 597 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7712% | 3,830 |
| Noncurrent loans to loans | 3.8486% | 2,061 |
| Net loans and leases to total assets | 44.4723% | 6,956 |
| Net loans and leases to deposits | 52.3181% | 7,021 |
| Net loans and leases to core deposits | 52.3181% | 7,183 |
| Total domestic deposits to total assets | 85.0037% | 3,678 |
| Equity capital to assets | 14.9077% | 902 |
| Core capital (leverage) ratio | 14.7531% | 800 |
| Tier 1 risk-based capital ratio | 31.1248% | 470 |
| Total risk-based capital ratio | 32.3883% | 460 |
| Memoranda: |
| Average total assets | $6,898,000 | 7,921 |
| Average earning assets | $6,226,000 | 7,908 |
| Average equity | $1,022,500 | 7,888 |
| Average total loans | $3,090,000 | 7,863 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5630% | 7,326 |
| Cost of funding earning assets | 1.6158% | 4,962 |
| Net interest margin | 2.9472% | 6,761 |
| Noninterest income to average assets | 0.4743% | 4,622 |
| Noninterest expense to average assets | 4.3904% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -1.2466% | 6,735 |
| Return on assets (ROA) | -1.2466% | 6,738 |
| Pretax return on assets | -1.2466% | 6,569 |
| Return on Equity (ROE) | -13.9225% | 6,872 |
| Retained earnings to average equity (ytd only) | -13.9225% | 6,812 |
| Net charge-offs to loans | 0.6177% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -4.1818% | 7,087 |
| Efficiency ratio | 139.6552% | 385 |
| Assets per employee ($millions) | 2.3403% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6904% | 451 |
| Loan loss allowance to noncurrent loans | 282.5000% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 6,038 |
| Noncurrent loans to loans | 1.3063% | 4,736 |
| Net loans and leases to total assets | 42.0026% | 7,249 |
| Net loans and leases to deposits | 49.3309% | 7,296 |
| Net loans and leases to core deposits | 49.3309% | 7,602 |
| Total domestic deposits to total assets | 85.1446% | 3,489 |
| Equity capital to assets | 14.7415% | 967 |
| Core capital (leverage) ratio | 15.3402% | 716 |
| Tier 1 risk-based capital ratio | 32.6601% | 425 |
| Total risk-based capital ratio | 33.8908% | 409 |
| Memoranda: |
| Average total assets | $7,379,800 | 7,995 |
| Average earning assets | $6,684,200 | 7,984 |
| Average equity | $660,800 | 8,003 |
| Average total loans | $3,561,400 | 7,933 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7538% | 7,198 |
| Cost of funding earning assets | 1.8345% | 4,221 |
| Net interest margin | 2.9193% | 6,802 |
| Noninterest income to average assets | 0.4820% | 4,650 |
| Noninterest expense to average assets | 4.0519% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.9282% | 6,783 |
| Return on assets (ROA) | -0.9282% | 6,786 |
| Pretax return on assets | -0.9282% | 6,628 |
| Return on Equity (ROE) | -12.2221% | 7,034 |
| Retained earnings to average equity (ytd only) | -12.2221% | 6,957 |
| Net charge-offs to loans | 2.2787% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.8254% | 6,597 |
| Efficiency ratio | 129.7143% | 479 |
| Assets per employee ($millions) | 2.1013% | 7,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0870% | 1,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 53.5850% | 6,437 |
| Net loans and leases to deposits | 58.8092% | 6,912 |
| Net loans and leases to core deposits | 58.8092% | 7,437 |
| Total domestic deposits to total assets | 91.1168% | 378 |
| Equity capital to assets | 8.6612% | 6,018 |
| Core capital (leverage) ratio | 8.0769% | 6,227 |
| Tier 1 risk-based capital ratio | 16.4905% | 2,434 |
| Total risk-based capital ratio | 18.0308% | 2,291 |
| Memoranda: |
| Average total assets | $7,469,500 | 8,081 |
| Average earning assets | $6,759,500 | 8,069 |
| Average equity | $567,250 | 8,091 |
| Average total loans | $3,686,250 | 8,007 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7455% | 7,326 |
| Cost of funding earning assets | 2.0056% | 3,746 |
| Net interest margin | 2.7400% | 7,121 |
| Noninterest income to average assets | 0.4327% | 5,006 |
| Noninterest expense to average assets | 3.8941% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.9926% | 6,981 |
| Return on assets (ROA) | -0.9926% | 6,980 |
| Pretax return on assets | -0.9926% | 6,813 |
| Return on Equity (ROE) | -13.5810% | 7,257 |
| Retained earnings to average equity (ytd only) | -13.5810% | 7,159 |
| Net charge-offs to loans | -0.2125% | 8,032 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.2105% | 486 |
| Assets per employee ($millions) | 2.4600% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8472% | 296 |
| Loan loss allowance to noncurrent loans | 201.4493% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 5,107 |
| Noncurrent loans to loans | 1.9098% | 3,658 |
| Net loans and leases to total assets | 47.0732% | 7,119 |
| Net loans and leases to deposits | 51.0732% | 7,432 |
| Net loans and leases to core deposits | 52.6204% | 7,693 |
| Total domestic deposits to total assets | 92.1680% | 189 |
| Equity capital to assets | 7.5745% | 7,204 |
| Core capital (leverage) ratio | 7.7931% | 6,625 |
| Tier 1 risk-based capital ratio | 15.4463% | 2,835 |
| Total risk-based capital ratio | 16.9936% | 2,648 |
| Memoranda: |
| Average total assets | $7,858,000 | 8,173 |
| Average earning assets | $7,080,330 | 8,160 |
| Average equity | $574,330 | 8,182 |
| Average total loans | $3,765,000 | 8,094 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7178% | 7,483 |
| Cost of funding earning assets | 2.2492% | 2,920 |
| Net interest margin | 2.4686% | 7,534 |
| Noninterest income to average assets | 0.4446% | 4,837 |
| Noninterest expense to average assets | 4.2485% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.5808% | 7,531 |
| Return on assets (ROA) | -1.5808% | 7,535 |
| Pretax return on assets | -1.5808% | 7,398 |
| Return on Equity (ROE) | -21.9931% | 7,794 |
| Retained earnings to average equity (ytd only) | -21.9931% | 7,697 |
| Net charge-offs to loans | -0.2083% | 8,014 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.2593% | 314 |
| Assets per employee ($millions) | 2.6123% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7198% | 271 |
| Loan loss allowance to noncurrent loans | 198.5507% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8804% | 4,994 |
| Noncurrent loans to loans | 1.8735% | 3,453 |
| Net loans and leases to total assets | 45.2469% | 7,244 |
| Net loans and leases to deposits | 48.9036% | 7,537 |
| Net loans and leases to core deposits | 51.0142% | 7,755 |
| Total domestic deposits to total assets | 92.5226% | 119 |
| Equity capital to assets | 7.2222% | 7,546 |
| Core capital (leverage) ratio | 7.2277% | 7,453 |
| Tier 1 risk-based capital ratio | 16.2457% | 2,596 |
| Total risk-based capital ratio | 17.7956% | 2,431 |
| Memoranda: |
| Average total assets | $8,097,000 | 8,218 |
| Average earning assets | $7,291,500 | 8,204 |
| Average equity | $582,000 | 8,234 |
| Average total loans | $3,841,000 | 8,144 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8006% | 6,430 |
| Cost of funding earning assets | 2.6619% | 3,358 |
| Net interest margin | 3.1387% | 6,550 |
| Noninterest income to average assets | 0.7631% | 2,705 |
| Noninterest expense to average assets | 4.2758% | 1,076 |
| Loan and lease loss provision to assets | -0.6056% | 8,299 |
| Net operating income to assets | -0.0121% | 6,388 |
| Return on assets (ROA) | -0.0121% | 6,247 |
| Pretax return on assets | -0.0363% | 6,189 |
| Return on Equity (ROE) | -0.1801% | 6,258 |
| Retained earnings to average equity (ytd only) | -0.1801% | 5,331 |
| Net charge-offs to loans | 0.0908% | 5,443 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,452 |
| Earnings coverage of net charge-offs (x) | -13.2500% | 6,916 |
| Efficiency ratio | 117.6667% | 599 |
| Assets per employee ($millions) | 2.7857% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3758% | 311 |
| Loan loss allowance to noncurrent loans | 99.2647% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6274% | 2,992 |
| Noncurrent loans to loans | 3.4009% | 1,507 |
| Net loans and leases to total assets | 46.2367% | 7,308 |
| Net loans and leases to deposits | 49.9548% | 7,629 |
| Net loans and leases to core deposits | 52.6789% | 7,834 |
| Total domestic deposits to total assets | 92.5571% | 80 |
| Equity capital to assets | 7.1557% | 7,649 |
| Core capital (leverage) ratio | 7.2231% | 7,503 |
| Tier 1 risk-based capital ratio | 15.6095% | 2,812 |
| Total risk-based capital ratio | 15.7922% | 3,195 |
| Memoranda: |
| Average total assets | $8,255,800 | 8,271 |
| Average earning assets | $7,551,000 | 8,261 |
| Average equity | $555,400 | 8,301 |
| Average total loans | $4,407,600 | 8,181 |
