Home > Chetopa State Bank & Trust Co. > Performance and Condition Ratios
Chetopa State Bank & Trust Co., Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 2,621 |
| Cost of funding earning assets | 0.8136% | 2,618 |
| Net interest margin | 3.7848% | 2,549 |
| Noninterest income to average assets | 0.3934% | 3,337 |
| Noninterest expense to average assets | 2.1825% | 4,194 |
| Loan and lease loss provision to assets | 0.0638% | 2,758 |
| Net operating income to assets | 1.7200% | 633 |
| Return on assets (ROA) | 1.7200% | 673 |
| Pretax return on assets | 1.7705% | 1,017 |
| Return on Equity (ROE) | 16.8903% | 432 |
| Retained earnings to average equity (ytd only) | 5.8476% | 1,947 |
| Net charge-offs to loans | 0.0074% | 3,412 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 255 |
| Efficiency ratio | 54.3349% | 4,390 |
| Assets per employee ($millions) | 6.5725% | 1,245 |
| Cash dividends to net income (ytd only)* | 65.3787% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.0933% | 2,077 |
| Net loans and leases to deposits | 80.2813% | 2,747 |
| Net loans and leases to core deposits | 89.6761% | 2,455 |
| Total domestic deposits to total assets | 89.8009% | 395 |
| Equity capital to assets | 9.9353% | 3,978 |
| Core capital (leverage) ratio | 10.2354% | 3,263 |
| Tier 1 risk-based capital ratio | 14.4998% | 3,018 |
| Total risk-based capital ratio | 15.5287% | 3,046 |
| Memoranda: | ||
| Average total assets | $37,616,800 | 4,930 |
| Average earning assets | $36,012,000 | 4,895 |
| Average equity | $3,830,600 | 5,004 |
| Average total loans | $27,136,400 | 4,704 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 2,641 |
| Cost of funding earning assets | 0.8109% | 2,655 |
| Net interest margin | 3.8141% | 2,549 |
| Noninterest income to average assets | 0.3946% | 3,355 |
| Noninterest expense to average assets | 2.2495% | 4,072 |
| Loan and lease loss provision to assets | 0.0646% | 2,601 |
| Net operating income to assets | 1.6647% | 799 |
| Return on assets (ROA) | 1.6647% | 844 |
| Pretax return on assets | 1.7257% | 1,261 |
| Return on Equity (ROE) | 16.2429% | 576 |
| Retained earnings to average equity (ytd only) | 8.4366% | 1,231 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6838% | 4,195 |
| Assets per employee ($millions) | 6.2737% | 1,409 |
| Cash dividends to net income (ytd only)* | 48.0611% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.8836% | 2,344 |
| Net loans and leases to deposits | 79.3871% | 2,962 |
| Net loans and leases to core deposits | 90.4444% | 2,508 |
| Total domestic deposits to total assets | 89.2886% | 522 |
| Equity capital to assets | 10.4537% | 3,580 |
| Core capital (leverage) ratio | 10.4925% | 3,108 |
| Tier 1 risk-based capital ratio | 15.8733% | 2,484 |
| Total risk-based capital ratio | 16.9786% | 2,482 |
| Memoranda: | ||
| Average total assets | $37,162,250 | 5,011 |
| Average earning assets | $35,516,750 | 4,977 |
| Average equity | $3,808,750 | 5,081 |
| Average total loans | $26,743,500 | 4,783 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 2,676 |
| Cost of funding earning assets | 0.7752% | 2,774 |
| Net interest margin | 3.8252% | 2,498 |
| Noninterest income to average assets | 0.3784% | 3,414 |
| Noninterest expense to average assets | 2.2972% | 4,008 |
| Loan and lease loss provision to assets | 0.0649% | 2,519 |
| Net operating income to assets | 1.6053% | 900 |
| Return on assets (ROA) | 1.6053% | 938 |
| Pretax return on assets | 1.6702% | 1,335 |
| Return on Equity (ROE) | 15.7699% | 627 |
| Retained earnings to average equity (ytd only) | 6.7965% | 1,903 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9705% | 4,135 |
| Assets per employee ($millions) | 5.2614% | 2,188 |
| Cash dividends to net income (ytd only)* | 56.9024% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.9348% | 2,541 |
| Net loans and leases to deposits | 78.2959% | 3,131 |
| Net loans and leases to core deposits | 89.4651% | 2,640 |
| Total domestic deposits to total assets | 89.3212% | 528 |
| Equity capital to assets | 10.3774% | 3,628 |
| Core capital (leverage) ratio | 10.3339% | 3,256 |
| Tier 1 risk-based capital ratio | 15.5771% | 2,595 |
| Total risk-based capital ratio | 16.6694% | 2,581 |
| Memoranda: | ||
| Average total assets | $37,002,330 | 5,051 |
| Average earning assets | $35,345,000 | 5,017 |
| Average equity | $3,766,670 | 5,127 |
| Average total loans | $26,672,670 | 4,814 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 2,549 |
| Cost of funding earning assets | 0.8012% | 2,531 |
| Net interest margin | 3.7916% | 2,560 |
| Noninterest income to average assets | 0.3775% | 3,338 |
| Noninterest expense to average assets | 2.2217% | 4,208 |
| Loan and lease loss provision to assets | 0.0647% | 2,369 |
| Net operating income to assets | 1.6501% | 812 |
| Return on assets (ROA) | 1.6501% | 840 |
| Pretax return on assets | 1.7148% | 1,175 |
| Return on Equity (ROE) | 16.3680% | 547 |
| Retained earnings to average equity (ytd only) | 9.6282% | 1,124 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5256% | 4,388 |
| Assets per employee ($millions) | 5.3119% | 2,154 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.9831% | 2,622 |
| Net loans and leases to deposits | 77.0155% | 3,160 |
| Net loans and leases to core deposits | 88.6072% | 2,629 |
| Total domestic deposits to total assets | 89.5705% | 615 |
| Equity capital to assets | 10.1767% | 3,646 |
| Core capital (leverage) ratio | 10.1320% | 3,452 |
| Tier 1 risk-based capital ratio | 15.3025% | 2,749 |
| Total risk-based capital ratio | 16.3620% | 2,744 |
| Memoranda: | ||
| Average total assets | $37,088,500 | 5,104 |
| Average earning assets | $35,446,500 | 5,070 |
| Average equity | $3,739,000 | 5,176 |
| Average total loans | $26,996,500 | 4,864 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 2,613 |
| Cost of funding earning assets | 0.5337% | 3,155 |
| Net interest margin | 3.9146% | 2,287 |
| Noninterest income to average assets | 0.4777% | 2,954 |
| Noninterest expense to average assets | 2.2704% | 4,192 |
| Loan and lease loss provision to assets | 0.0674% | 2,800 |
| Net operating income to assets | 1.7955% | 553 |
| Return on assets (ROA) | 1.7955% | 550 |
| Pretax return on assets | 1.8910% | 736 |
| Return on Equity (ROE) | 17.8282% | 410 |
| Retained earnings to average equity (ytd only) | 6.3892% | 1,978 |
| Net charge-offs to loans | 0.0689% | 2,132 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 38.7222% | 1,348 |
| Efficiency ratio | 53.6877% | 4,644 |
| Assets per employee ($millions) | 5.2849% | 2,167 |
| Cash dividends to net income (ytd only)* | 64.1628% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.2149% | 1,736 |
| Net loans and leases to deposits | 86.3219% | 2,235 |
| Net loans and leases to core deposits | 100.7167% | 1,666 |
| Total domestic deposits to total assets | 87.1330% | 1,709 |
| Equity capital to assets | 9.9854% | 3,696 |
| Core capital (leverage) ratio | 10.2364% | 3,319 |
| Tier 1 risk-based capital ratio | 13.7160% | 3,429 |
| Total risk-based capital ratio | 14.6666% | 3,496 |
| Memoranda: | ||
| Average total assets | $35,588,800 | 5,167 |
| Average earning assets | $34,102,800 | 5,129 |
| Average equity | $3,584,200 | 5,226 |
| Average total loans | $26,142,600 | 4,904 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,589 |
| Cost of funding earning assets | 0.5012% | 3,190 |
| Net interest margin | 3.9108% | 2,259 |
| Noninterest income to average assets | 0.4730% | 3,029 |
| Noninterest expense to average assets | 2.2967% | 4,110 |
| Loan and lease loss provision to assets | 0.0681% | 2,613 |
| Net operating income to assets | 1.7519% | 659 |
| Return on assets (ROA) | 1.7519% | 664 |
| Pretax return on assets | 1.8578% | 890 |
| Return on Equity (ROE) | 17.3563% | 505 |
| Retained earnings to average equity (ytd only) | 6.6727% | 2,293 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3907% | 4,573 |
| Assets per employee ($millions) | 5.0156% | 2,449 |
| Cash dividends to net income (ytd only)* | 61.5548% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.1009% | 2,148 |
| Net loans and leases to deposits | 81.7591% | 2,846 |
| Net loans and leases to core deposits | 95.8221% | 2,136 |
| Total domestic deposits to total assets | 89.4101% | 701 |
| Equity capital to assets | 10.3763% | 3,256 |
| Core capital (leverage) ratio | 10.1968% | 3,413 |
| Tier 1 risk-based capital ratio | 14.5691% | 3,086 |
| Total risk-based capital ratio | 15.6409% | 3,088 |
| Memoranda: | ||
| Average total assets | $35,237,500 | 5,235 |
| Average earning assets | $33,786,000 | 5,201 |
| Average equity | $3,556,750 | 5,298 |
| Average total loans | $25,658,000 | 4,979 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,698 |
| Cost of funding earning assets | 0.4794% | 3,164 |
| Net interest margin | 3.8413% | 2,413 |
| Noninterest income to average assets | 0.4705% | 3,033 |
| Noninterest expense to average assets | 2.2505% | 4,258 |
| Loan and lease loss provision to assets | 0.0680% | 2,522 |
| Net operating income to assets | 1.7063% | 709 |
| Return on assets (ROA) | 1.7063% | 715 |
| Pretax return on assets | 1.8310% | 900 |
| Return on Equity (ROE) | 17.0635% | 515 |
| Retained earnings to average equity (ytd only) | 4.4785% | 3,358 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2350% | 4,667 |
| Assets per employee ($millions) | 5.8390% | 1,607 |
| Cash dividends to net income (ytd only)* | 73.7542% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.0158% | 2,273 |
| Net loans and leases to deposits | 80.3120% | 2,917 |
| Net loans and leases to core deposits | 94.1032% | 2,211 |
| Total domestic deposits to total assets | 89.6700% | 680 |
| Equity capital to assets | 10.1159% | 3,528 |
| Core capital (leverage) ratio | 9.8123% | 3,776 |
| Tier 1 risk-based capital ratio | 14.5646% | 3,087 |
| Total risk-based capital ratio | 15.6413% | 3,083 |
| Memoranda: | ||
| Average total assets | $35,280,330 | 5,300 |
| Average earning assets | $33,790,670 | 5,266 |
| Average equity | $3,528,000 | 5,365 |
| Average total loans | $25,566,330 | 5,036 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 2,854 |
| Cost of funding earning assets | 0.4480% | 3,213 |
| Net interest margin | 3.7606% | 2,575 |
| Noninterest income to average assets | 0.5423% | 2,565 |
| Noninterest expense to average assets | 2.1806% | 4,461 |
| Loan and lease loss provision to assets | 0.0452% | 2,863 |
| Net operating income to assets | 1.7851% | 581 |
| Return on assets (ROA) | 1.7851% | 587 |
| Pretax return on assets | 1.9207% | 688 |
| Return on Equity (ROE) | 17.9545% | 417 |
| Retained earnings to average equity (ytd only) | 12.3864% | 615 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5886% | 4,923 |
| Assets per employee ($millions) | 6.1037% | 1,428 |
| Cash dividends to net income (ytd only)* | 31.0127% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.9137% | 2,344 |
| Net loans and leases to deposits | 78.7829% | 2,940 |
| Net loans and leases to core deposits | 89.9799% | 2,451 |
| Total domestic deposits to total assets | 90.0115% | 651 |
| Equity capital to assets | 9.7619% | 3,825 |
| Core capital (leverage) ratio | 9.9888% | 3,550 |
| Tier 1 risk-based capital ratio | 14.0964% | 3,327 |
| Total risk-based capital ratio | 15.0980% | 3,379 |
| Memoranda: | ||
| Average total assets | $35,403,500 | 5,355 |
| Average earning assets | $33,930,500 | 5,317 |
| Average equity | $3,520,000 | 5,423 |
| Average total loans | $25,603,500 | 5,086 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,577 |
| Cost of funding earning assets | 0.3807% | 3,419 |
| Net interest margin | 3.8506% | 2,250 |
| Noninterest income to average assets | 0.4910% | 3,055 |
| Noninterest expense to average assets | 2.3384% | 4,233 |
| Loan and lease loss provision to assets | 0.0419% | 3,418 |
| Net operating income to assets | 1.6767% | 555 |
| Return on assets (ROA) | 1.6767% | 569 |
| Pretax return on assets | 1.8054% | 782 |
| Return on Equity (ROE) | 16.5837% | 428 |
| Retained earnings to average equity (ytd only) | 5.9524% | 1,567 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8655% | 4,779 |
| Assets per employee ($millions) | 5.6975% | 1,755 |
| Cash dividends to net income (ytd only)* | 64.1071% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.3504% | 2,171 |
| Net loans and leases to deposits | 80.6818% | 2,846 |
| Net loans and leases to core deposits | 93.1458% | 2,270 |
| Total domestic deposits to total assets | 89.6738% | 698 |
| Equity capital to assets | 10.1360% | 3,548 |
| Core capital (leverage) ratio | 10.0771% | 3,353 |
| Tier 1 risk-based capital ratio | 14.3016% | 3,196 |
| Total risk-based capital ratio | 15.3335% | 3,216 |
| Memoranda: | ||
| Average total assets | $33,399,600 | 5,443 |
| Average earning assets | $32,047,000 | 5,404 |
| Average equity | $3,376,800 | 5,493 |
| Average total loans | $23,927,600 | 5,194 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 2,663 |
| Cost of funding earning assets | 0.3680% | 3,483 |
| Net interest margin | 3.8184% | 2,329 |
| Noninterest income to average assets | 0.4778% | 3,165 |
| Noninterest expense to average assets | 2.3852% | 4,058 |
| Loan and lease loss provision to assets | 0.0321% | 3,480 |
| Net operating income to assets | 1.6062% | 707 |
| Return on assets (ROA) | 1.6062% | 725 |
| Pretax return on assets | 1.7267% | 1,055 |
| Return on Equity (ROE) | 15.8975% | 538 |
| Retained earnings to average equity (ytd only) | 7.5910% | 1,394 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5581% | 4,559 |
| Assets per employee ($millions) | 5.6418% | 1,790 |
| Cash dividends to net income (ytd only)* | 52.2501% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 72.4617% | 2,187 |
| Net loans and leases to deposits | 80.9618% | 2,879 |
| Net loans and leases to core deposits | 94.6262% | 2,210 |
| Total domestic deposits to total assets | 89.5010% | 656 |
| Equity capital to assets | 10.2065% | 3,688 |
| Core capital (leverage) ratio | 10.0267% | 3,538 |
| Tier 1 risk-based capital ratio | 14.5468% | 3,157 |
| Total risk-based capital ratio | 15.5741% | 3,189 |
| Memoranda: | ||
| Average total assets | $33,203,250 | 5,510 |
| Average earning assets | $31,880,000 | 5,465 |
| Average equity | $3,354,750 | 5,559 |
| Average total loans | $23,663,750 | 5,258 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,756 |
| Cost of funding earning assets | 0.3535% | 3,547 |
| Net interest margin | 3.7689% | 2,415 |
| Noninterest income to average assets | 0.4972% | 3,045 |
| Noninterest expense to average assets | 2.3827% | 4,101 |
| Loan and lease loss provision to assets | 0.0121% | 3,716 |
| Net operating income to assets | 1.6067% | 693 |
| Return on assets (ROA) | 1.6067% | 715 |
| Pretax return on assets | 1.7219% | 1,007 |
| Return on Equity (ROE) | 15.9575% | 537 |
| Retained earnings to average equity (ytd only) | 6.1421% | 2,041 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8792% | 4,607 |
| Assets per employee ($millions) | 4.8366% | 2,601 |
| Cash dividends to net income (ytd only)* | 61.5094% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 4,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.3729% | 2,307 |
| Net loans and leases to deposits | 79.3954% | 2,980 |
| Net loans and leases to core deposits | 92.7209% | 2,278 |
| Total domestic deposits to total assets | 89.8954% | 568 |
| Equity capital to assets | 9.9421% | 3,984 |
| Core capital (leverage) ratio | 9.8689% | 3,693 |
| Tier 1 risk-based capital ratio | 14.3338% | 3,247 |
| Total risk-based capital ratio | 15.3473% | 3,289 |
| Memoranda: | ||
| Average total assets | $32,987,330 | 5,559 |
| Average earning assets | $31,680,670 | 5,515 |
| Average equity | $3,321,330 | 5,607 |
| Average total loans | $23,294,000 | 5,308 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 2,749 |
| Cost of funding earning assets | 0.3332% | 3,717 |
| Net interest margin | 3.7416% | 2,343 |
| Noninterest income to average assets | 0.5529% | 2,646 |
| Noninterest expense to average assets | 2.3592% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6957% | 557 |
| Return on assets (ROA) | 1.6957% | 568 |
| Pretax return on assets | 1.7817% | 831 |
| Return on Equity (ROE) | 16.7323% | 439 |
| Retained earnings to average equity (ytd only) | 8.4874% | 1,280 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9733% | 4,836 |
| Assets per employee ($millions) | 4.8074% | 2,688 |
| Cash dividends to net income (ytd only)* | 49.2754% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 4,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.0107% | 2,375 |
| Net loans and leases to deposits | 77.8174% | 2,996 |
| Net loans and leases to core deposits | 88.7282% | 2,476 |
| Total domestic deposits to total assets | 89.9679% | 674 |
| Equity capital to assets | 9.9073% | 3,865 |
| Core capital (leverage) ratio | 9.9353% | 3,583 |
| Tier 1 risk-based capital ratio | 14.4267% | 3,241 |
| Total risk-based capital ratio | 15.4479% | 3,284 |
| Memoranda: | ||
| Average total assets | $32,553,000 | 5,627 |
| Average earning assets | $31,216,500 | 5,593 |
| Average equity | $3,299,000 | 5,669 |
| Average total loans | $22,740,000 | 5,384 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,489 |
| Cost of funding earning assets | 0.3123% | 3,924 |
| Net interest margin | 3.6090% | 3,042 |
| Noninterest income to average assets | 0.4527% | 3,524 |
| Noninterest expense to average assets | 2.5403% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3330% | 1,133 |
| Return on assets (ROA) | 1.3330% | 1,188 |
| Pretax return on assets | 1.3645% | 2,051 |
| Return on Equity (ROE) | 13.0389% | 984 |
| Retained earnings to average equity (ytd only) | 1.0148% | 4,919 |
| Net charge-offs to loans | 0.0708% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 28.9333% | 1,461 |
| Efficiency ratio | 65.0564% | 3,749 |
| Assets per employee ($millions) | 4.4934% | 3,122 |
| Cash dividends to net income (ytd only)* | 92.2170% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.1885% | 2,742 |
| Net loans and leases to deposits | 76.4090% | 3,277 |
| Net loans and leases to core deposits | 84.6142% | 2,968 |
| Total domestic deposits to total assets | 89.2414% | 987 |
| Equity capital to assets | 10.3771% | 3,298 |
| Core capital (leverage) ratio | 10.0400% | 3,438 |
| Tier 1 risk-based capital ratio | 15.6487% | 2,686 |
| Total risk-based capital ratio | 16.7801% | 2,667 |
| Memoranda: | ||
| Average total assets | $31,807,000 | 5,690 |
| Average earning assets | $30,424,000 | 5,655 |
| Average equity | $3,251,800 | 5,733 |
| Average total loans | $21,178,800 | 5,482 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,688 |
| Cost of funding earning assets | 0.3019% | 4,073 |
| Net interest margin | 3.5702% | 3,196 |
| Noninterest income to average assets | 0.4473% | 3,580 |
| Noninterest expense to average assets | 2.5081% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3252% | 1,225 |
| Return on assets (ROA) | 1.3252% | 1,309 |
| Pretax return on assets | 1.3502% | 2,237 |
| Return on Equity (ROE) | 13.0099% | 1,057 |
| Retained earnings to average equity (ytd only) | -3.0369% | 5,652 |
| Net charge-offs to loans | 0.0950% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 21.5330% | 1,816 |
| Efficiency ratio | 65.0054% | 3,763 |
| Assets per employee ($millions) | 4.4580% | 3,154 |
| Cash dividends to net income (ytd only)* | 123.3426% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 4,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.6274% | 2,405 |
| Net loans and leases to deposits | 79.0134% | 3,078 |
| Net loans and leases to core deposits | 92.9840% | 2,278 |
| Total domestic deposits to total assets | 89.3867% | 729 |
| Equity capital to assets | 10.1166% | 4,022 |
| Core capital (leverage) ratio | 9.7252% | 3,908 |
| Tier 1 risk-based capital ratio | 14.5183% | 3,279 |
| Total risk-based capital ratio | 15.6036% | 3,298 |
| Memoranda: | ||
| Average total assets | $31,895,250 | 5,750 |
| Average earning assets | $30,473,250 | 5,711 |
| Average equity | $3,248,750 | 5,794 |
| Average total loans | $21,052,500 | 5,534 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 4,058 |
| Cost of funding earning assets | 0.2935% | 4,207 |
| Net interest margin | 3.4765% | 3,580 |
| Noninterest income to average assets | 0.4171% | 3,771 |
| Noninterest expense to average assets | 2.4529% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2638% | 1,376 |
| Return on assets (ROA) | 1.2638% | 1,500 |
| Pretax return on assets | 1.2825% | 2,475 |
| Return on Equity (ROE) | 12.3806% | 1,190 |
| Retained earnings to average equity (ytd only) | 5.6719% | 2,323 |
| Net charge-offs to loans | 0.1453% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.7333% | 2,105 |
| Efficiency ratio | 65.6667% | 3,734 |
| Assets per employee ($millions) | 4.6086% | 2,857 |
| Cash dividends to net income (ytd only)* | 54.1872% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.5257% | 3,291 |
| Net loans and leases to deposits | 72.2276% | 3,763 |
| Net loans and leases to core deposits | 82.9918% | 3,168 |
| Total domestic deposits to total assets | 89.3366% | 747 |
| Equity capital to assets | 10.3038% | 3,854 |
| Core capital (leverage) ratio | 10.0736% | 3,484 |
| Tier 1 risk-based capital ratio | 16.4922% | 2,432 |
| Total risk-based capital ratio | 17.6631% | 2,405 |
| Memoranda: | ||
| Average total assets | $32,125,000 | 5,818 |
| Average earning assets | $30,662,670 | 5,779 |
| Average equity | $3,279,330 | 5,855 |
| Average total loans | $20,644,670 | 5,614 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 3,764 |
| Cost of funding earning assets | 0.2751% | 4,443 |
| Net interest margin | 3.5762% | 3,182 |
| Noninterest income to average assets | 0.4118% | 3,734 |
| Noninterest expense to average assets | 2.4955% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2977% | 1,259 |
| Return on assets (ROA) | 1.2977% | 1,342 |
| Pretax return on assets | 1.3226% | 2,207 |
| Return on Equity (ROE) | 12.7725% | 1,088 |
| Retained earnings to average equity (ytd only) | 6.6319% | 2,067 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3595% | 3,906 |
| Assets per employee ($millions) | 5.5702% | 1,768 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.8073% | 3,949 |
| Net loans and leases to deposits | 65.5439% | 4,299 |
| Net loans and leases to core deposits | 74.8724% | 3,801 |
| Total domestic deposits to total assets | 89.7220% | 720 |
| Equity capital to assets | 9.8262% | 4,305 |
| Core capital (leverage) ratio | 9.9900% | 3,542 |
| Tier 1 risk-based capital ratio | 17.0828% | 2,261 |
| Total risk-based capital ratio | 18.3313% | 2,221 |
| Memoranda: | ||
| Average total assets | $32,057,500 | 5,877 |
| Average earning assets | $30,535,500 | 5,836 |
| Average equity | $3,257,000 | 5,914 |
| Average total loans | $20,441,000 | 5,668 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,338 |
| Cost of funding earning assets | 0.2553% | 4,725 |
| Net interest margin | 3.4567% | 3,689 |
| Noninterest income to average assets | 0.5175% | 3,213 |
| Noninterest expense to average assets | 2.4236% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3693% | 1,104 |
| Return on assets (ROA) | 1.3693% | 1,150 |
| Pretax return on assets | 1.4014% | 1,894 |
| Return on Equity (ROE) | 13.8447% | 868 |
| Retained earnings to average equity (ytd only) | 8.7423% | 720 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3613% | 4,386 |
| Assets per employee ($millions) | 5.1157% | 2,222 |
| Cash dividends to net income (ytd only)* | 36.8545% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 3,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.5246% | 2,782 |
| Net loans and leases to deposits | 75.7335% | 3,289 |
| Net loans and leases to core deposits | 82.5836% | 3,088 |
| Total domestic deposits to total assets | 89.1607% | 1,040 |
| Equity capital to assets | 10.5232% | 3,335 |
| Core capital (leverage) ratio | 10.6037% | 2,821 |
| Tier 1 risk-based capital ratio | 16.0465% | 2,668 |
| Total risk-based capital ratio | 17.2935% | 2,611 |
| Memoranda: | ||
| Average total assets | $31,110,800 | 5,940 |
| Average earning assets | $29,768,200 | 5,903 |
| Average equity | $3,077,000 | 5,995 |
| Average total loans | $19,995,200 | 5,718 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,520 |
| Cost of funding earning assets | 0.2625% | 4,753 |
| Net interest margin | 3.4081% | 3,919 |
| Noninterest income to average assets | 0.5638% | 2,961 |
| Noninterest expense to average assets | 2.4304% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3711% | 1,177 |
| Return on assets (ROA) | 1.3711% | 1,228 |
| Pretax return on assets | 1.4053% | 1,993 |
| Return on Equity (ROE) | 14.0844% | 883 |
| Retained earnings to average equity (ytd only) | 7.1957% | 1,601 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3630% | 4,355 |
| Assets per employee ($millions) | 3.6911% | 4,463 |
| Cash dividends to net income (ytd only)* | 48.9100% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 3,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.0354% | 3,306 |
| Net loans and leases to deposits | 71.9493% | 3,776 |
| Net loans and leases to core deposits | 75.5997% | 3,842 |
| Total domestic deposits to total assets | 89.0006% | 1,029 |
| Equity capital to assets | 10.5862% | 3,495 |
| Core capital (leverage) ratio | 9.9936% | 3,635 |
| Tier 1 risk-based capital ratio | 16.8618% | 2,420 |
| Total risk-based capital ratio | 18.1132% | 2,379 |
| Memoranda: | ||
| Average total assets | $31,215,000 | 6,023 |
| Average earning assets | $29,966,750 | 5,978 |
| Average equity | $3,038,750 | 6,081 |
| Average total loans | $19,749,750 | 5,805 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 4,789 |
| Cost of funding earning assets | 0.2750% | 4,670 |
| Net interest margin | 3.3001% | 4,303 |
| Noninterest income to average assets | 0.4280% | 3,868 |
| Noninterest expense to average assets | 2.3036% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2525% | 1,455 |
| Return on assets (ROA) | 1.2525% | 1,514 |
| Pretax return on assets | 1.2965% | 2,377 |
| Return on Equity (ROE) | 13.2240% | 1,071 |
| Retained earnings to average equity (ytd only) | 5.3826% | 2,613 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9860% | 4,362 |
| Assets per employee ($millions) | 4.6077% | 2,819 |
| Cash dividends to net income (ytd only)* | 59.2965% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 3,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 5,425 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.2189% | 3,798 |
| Net loans and leases to deposits | 66.7365% | 4,260 |
| Net loans and leases to core deposits | 72.5334% | 4,083 |
| Total domestic deposits to total assets | 90.2338% | 563 |
| Equity capital to assets | 9.4314% | 4,736 |
| Core capital (leverage) ratio | 9.3479% | 4,489 |
| Tier 1 risk-based capital ratio | 15.6538% | 3,020 |
| Total risk-based capital ratio | 16.8991% | 2,978 |
| Memoranda: | ||
| Average total assets | $31,777,000 | 6,079 |
| Average earning assets | $30,544,330 | 6,038 |
| Average equity | $3,009,670 | 6,146 |
| Average total loans | $19,946,330 | 5,851 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,790 |
| Cost of funding earning assets | 0.2904% | 4,545 |
| Net interest margin | 3.2741% | 4,326 |
| Noninterest income to average assets | 0.4693% | 3,509 |
| Noninterest expense to average assets | 2.3210% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2302% | 1,461 |
| Return on assets (ROA) | 1.2302% | 1,551 |
| Pretax return on assets | 1.2937% | 2,309 |
| Return on Equity (ROE) | 12.9614% | 1,101 |
| Retained earnings to average equity (ytd only) | 8.2846% | 1,463 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2105% | 4,443 |
| Assets per employee ($millions) | 4.1395% | 3,678 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 3,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,530 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.8205% | 3,828 |
| Net loans and leases to deposits | 65.0167% | 4,267 |
| Net loans and leases to core deposits | 70.4842% | 4,106 |
| Total domestic deposits to total assets | 90.4699% | 539 |
| Equity capital to assets | 9.1346% | 5,153 |
| Core capital (leverage) ratio | 9.3607% | 4,483 |
| Tier 1 risk-based capital ratio | 15.5767% | 3,115 |
| Total risk-based capital ratio | 16.8229% | 3,053 |
| Memoranda: | ||
| Average total assets | $31,538,500 | 6,149 |
| Average earning assets | $30,298,500 | 6,103 |
| Average equity | $2,993,500 | 6,210 |
| Average total loans | $20,082,500 | 5,894 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 5,146 |
| Cost of funding earning assets | 0.3184% | 4,601 |
| Net interest margin | 3.2574% | 4,723 |
| Noninterest income to average assets | 0.5107% | 3,425 |
| Noninterest expense to average assets | 2.3589% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2034% | 1,575 |
| Return on assets (ROA) | 1.2034% | 1,632 |
| Pretax return on assets | 1.2864% | 2,289 |
| Return on Equity (ROE) | 12.9198% | 1,162 |
| Retained earnings to average equity (ytd only) | 0.3427% | 5,622 |
| Net charge-offs to loans | 0.0265% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 80.6000% | 622 |
| Efficiency ratio | 64.7110% | 4,454 |
| Assets per employee ($millions) | 4.2801% | 3,397 |
| Cash dividends to net income (ytd only)* | 97.3475% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 5,563 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.3676% | 2,675 |
| Net loans and leases to deposits | 75.0251% | 3,309 |
| Net loans and leases to core deposits | 78.8992% | 3,422 |
| Total domestic deposits to total assets | 89.7934% | 834 |
| Equity capital to assets | 9.8862% | 4,251 |
| Core capital (leverage) ratio | 9.5266% | 4,204 |
| Tier 1 risk-based capital ratio | 15.2492% | 3,349 |
| Total risk-based capital ratio | 16.5002% | 3,296 |
| Memoranda: | ||
| Average total assets | $31,328,600 | 6,226 |
| Average earning assets | $30,146,600 | 6,180 |
| Average equity | $2,918,000 | 6,288 |
| Average total loans | $18,835,600 | 6,004 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 5,358 |
| Cost of funding earning assets | 0.3196% | 4,677 |
| Net interest margin | 3.1961% | 4,977 |
| Noninterest income to average assets | 0.5178% | 3,424 |
| Noninterest expense to average assets | 2.3407% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1704% | 1,788 |
| Return on assets (ROA) | 1.1704% | 1,864 |
| Pretax return on assets | 1.2503% | 2,571 |
| Return on Equity (ROE) | 12.7506% | 1,282 |
| Retained earnings to average equity (ytd only) | -4.0819% | 6,214 |
| Net charge-offs to loans | 0.0362% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 59.3688% | 867 |
| Efficiency ratio | 65.1817% | 4,339 |
| Assets per employee ($millions) | 4.4049% | 3,125 |
| Cash dividends to net income (ytd only)* | 132.0132% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 3,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 5,711 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 63.0473% | 3,335 |
| Net loans and leases to deposits | 69.7775% | 3,942 |
| Net loans and leases to core deposits | 75.3751% | 3,823 |
| Total domestic deposits to total assets | 90.3548% | 590 |
| Equity capital to assets | 9.2852% | 5,049 |
| Core capital (leverage) ratio | 9.0452% | 5,011 |
| Tier 1 risk-based capital ratio | 15.1345% | 3,512 |
| Total risk-based capital ratio | 16.3874% | 3,446 |
| Memoranda: | ||
| Average total assets | $31,670,500 | 6,296 |
| Average earning assets | $30,452,750 | 6,249 |
| Average equity | $2,907,000 | 6,361 |
| Average total loans | $18,435,750 | 6,090 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 5,503 |
| Cost of funding earning assets | 0.3188% | 4,772 |
| Net interest margin | 3.1358% | 5,140 |
| Noninterest income to average assets | 0.4820% | 3,617 |
| Noninterest expense to average assets | 2.3162% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1080% | 1,910 |
| Return on assets (ROA) | 1.1080% | 1,982 |
| Pretax return on assets | 1.1831% | 2,748 |
| Return on Equity (ROE) | 12.1164% | 1,385 |
| Retained earnings to average equity (ytd only) | -10.7473% | 6,436 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1896% | 4,336 |
| Assets per employee ($millions) | 3.9335% | 3,989 |
| Cash dividends to net income (ytd only)* | 188.7006% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 3,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 5,810 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 58.4022% | 3,934 |
| Net loans and leases to deposits | 64.3105% | 4,467 |
| Net loans and leases to core deposits | 69.3248% | 4,336 |
| Total domestic deposits to total assets | 90.8129% | 467 |
| Equity capital to assets | 8.8820% | 5,428 |
| Core capital (leverage) ratio | 8.8764% | 5,197 |
| Tier 1 risk-based capital ratio | 15.6067% | 3,293 |
| Total risk-based capital ratio | 16.8574% | 3,241 |
| Memoranda: | ||
| Average total assets | $31,949,330 | 6,354 |
| Average earning assets | $30,741,330 | 6,301 |
| Average equity | $2,921,670 | 6,412 |
| Average total loans | $18,017,330 | 6,158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 5,426 |
| Cost of funding earning assets | 0.3229% | 4,820 |
| Net interest margin | 3.1773% | 4,995 |
| Noninterest income to average assets | 0.4970% | 3,434 |
| Noninterest expense to average assets | 2.2740% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2178% | 1,434 |
| Return on assets (ROA) | 1.2178% | 1,492 |
| Pretax return on assets | 1.2799% | 2,176 |
| Return on Equity (ROE) | 13.1323% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.5762% | 1,392 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9860% | 4,860 |
| Assets per employee ($millions) | 4.4106% | 3,131 |
| Cash dividends to net income (ytd only)* | 34.6939% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 5,942 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.4289% | 4,960 |
| Net loans and leases to deposits | 54.2488% | 5,260 |
| Net loans and leases to core deposits | 57.9705% | 5,202 |
| Total domestic deposits to total assets | 91.1152% | 522 |
| Equity capital to assets | 8.5504% | 5,600 |
| Core capital (leverage) ratio | 9.5723% | 4,174 |
| Tier 1 risk-based capital ratio | 17.7085% | 2,407 |
| Total risk-based capital ratio | 18.9294% | 2,390 |
| Memoranda: | ||
| Average total assets | $32,190,000 | 6,412 |
| Average earning assets | $30,970,000 | 6,360 |
| Average equity | $2,985,000 | 6,450 |
| Average total loans | $17,709,000 | 6,229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,891 |
| Cost of funding earning assets | 0.4054% | 4,589 |
| Net interest margin | 3.3709% | 4,401 |
| Noninterest income to average assets | 0.7854% | 2,143 |
| Noninterest expense to average assets | 2.5441% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4274% | 970 |
| Return on assets (ROA) | 1.4274% | 1,007 |
| Pretax return on assets | 1.4787% | 1,512 |
| Return on Equity (ROE) | 14.9746% | 772 |
| Retained earnings to average equity (ytd only) | 9.7442% | 608 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2428% | 5,016 |
| Assets per employee ($millions) | 3.6369% | 4,601 |
| Cash dividends to net income (ytd only)* | 34.9282% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 60.0275% | 3,717 |
| Net loans and leases to deposits | 67.0261% | 4,177 |
| Net loans and leases to core deposits | 72.7860% | 3,978 |
| Total domestic deposits to total assets | 89.5583% | 1,296 |
| Equity capital to assets | 10.1495% | 3,568 |
| Core capital (leverage) ratio | 10.0234% | 3,526 |
| Tier 1 risk-based capital ratio | 17.6678% | 2,353 |
| Total risk-based capital ratio | 18.9243% | 2,328 |
| Memoranda: | ||
| Average total assets | $29,283,400 | 6,534 |
| Average earning assets | $28,123,400 | 6,487 |
| Average equity | $2,791,400 | 6,576 |
| Average total loans | $16,901,200 | 6,327 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 5,063 |
| Cost of funding earning assets | 0.4207% | 4,602 |
| Net interest margin | 3.3185% | 4,574 |
| Noninterest income to average assets | 0.8591% | 1,897 |
| Noninterest expense to average assets | 2.5729% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4319% | 1,024 |
| Return on assets (ROA) | 1.4319% | 1,083 |
| Pretax return on assets | 1.4774% | 1,676 |
| Return on Equity (ROE) | 15.2668% | 760 |
| Retained earnings to average equity (ytd only) | 9.2087% | 998 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5241% | 4,885 |
| Assets per employee ($millions) | 3.5965% | 4,657 |
| Cash dividends to net income (ytd only)* | 39.6819% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.5396% | 3,916 |
| Net loans and leases to deposits | 65.2425% | 4,380 |
| Net loans and leases to core deposits | 68.7301% | 4,465 |
| Total domestic deposits to total assets | 89.7261% | 1,156 |
| Equity capital to assets | 9.9750% | 3,934 |
| Core capital (leverage) ratio | 9.4716% | 4,450 |
| Tier 1 risk-based capital ratio | 17.5214% | 2,499 |
| Total risk-based capital ratio | 18.7729% | 2,469 |
| Memoranda: | ||
| Average total assets | $29,330,500 | 6,607 |
| Average earning assets | $28,204,500 | 6,558 |
| Average equity | $2,751,000 | 6,655 |
| Average total loans | $16,696,250 | 6,405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 5,550 |
| Cost of funding earning assets | 0.4366% | 4,587 |
| Net interest margin | 3.1267% | 5,199 |
| Noninterest income to average assets | 0.5556% | 3,465 |
| Noninterest expense to average assets | 2.5003% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0164% | 2,261 |
| Return on assets (ROA) | 1.0164% | 2,387 |
| Pretax return on assets | 1.0638% | 3,250 |
| Return on Equity (ROE) | 11.0647% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.2783% | 3,570 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1521% | 3,799 |
| Assets per employee ($millions) | 3.8685% | 4,072 |
| Cash dividends to net income (ytd only)* | 61.3333% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 3,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 6,026 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 54.9567% | 4,453 |
| Net loans and leases to deposits | 60.4299% | 4,925 |
| Net loans and leases to core deposits | 62.2138% | 5,077 |
| Total domestic deposits to total assets | 90.9429% | 566 |
| Equity capital to assets | 8.8471% | 5,391 |
| Core capital (leverage) ratio | 9.1824% | 4,721 |
| Tier 1 risk-based capital ratio | 16.2986% | 3,038 |
| Total risk-based capital ratio | 17.5665% | 2,989 |
| Memoranda: | ||
| Average total assets | $29,516,670 | 6,652 |
| Average earning assets | $28,401,000 | 6,601 |
| Average equity | $2,711,330 | 6,713 |
| Average total loans | $16,562,000 | 6,451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5740% | 5,519 |
| Cost of funding earning assets | 0.4775% | 4,300 |
| Net interest margin | 3.0965% | 5,274 |
| Noninterest income to average assets | 0.6111% | 3,077 |
| Noninterest expense to average assets | 2.5832% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9583% | 2,411 |
| Return on assets (ROA) | 0.9583% | 2,545 |
| Pretax return on assets | 1.0000% | 3,354 |
| Return on Equity (ROE) | 10.2298% | 1,984 |
| Retained earnings to average equity (ytd only) | 5.1890% | 3,122 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0930% | 3,597 |
| Assets per employee ($millions) | 3.6709% | 4,624 |
| Cash dividends to net income (ytd only)* | 49.2754% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 6,083 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.6600% | 4,301 |
| Net loans and leases to deposits | 60.4413% | 4,744 |
| Net loans and leases to core deposits | 62.3306% | 4,924 |
| Total domestic deposits to total assets | 90.4348% | 800 |
| Equity capital to assets | 9.2451% | 5,205 |
| Core capital (leverage) ratio | 9.2243% | 4,525 |
| Tier 1 risk-based capital ratio | 17.6988% | 2,481 |
| Total risk-based capital ratio | 18.9505% | 2,449 |
| Memoranda: | ||
| Average total assets | $28,801,000 | 6,743 |
| Average earning assets | $27,644,000 | 6,684 |
| Average equity | $2,698,000 | 6,784 |
| Average total loans | $16,211,000 | 6,528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 5,737 |
| Cost of funding earning assets | 0.6166% | 4,206 |
| Net interest margin | 3.2223% | 5,512 |
| Noninterest income to average assets | 0.6814% | 2,830 |
| Noninterest expense to average assets | 2.5781% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1591% | 1,742 |
| Return on assets (ROA) | 1.1591% | 1,898 |
| Pretax return on assets | 1.1872% | 2,845 |
| Return on Equity (ROE) | 12.5209% | 1,355 |
| Retained earnings to average equity (ytd only) | 1.3659% | 5,194 |
| Net charge-offs to loans | 0.0258% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 459 |
| Efficiency ratio | 68.4701% | 4,061 |
| Assets per employee ($millions) | 2.8235% | 6,284 |
| Cash dividends to net income (ytd only)* | 89.0909% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 3,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 6,137 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 56.1608% | 4,264 |
| Net loans and leases to deposits | 62.2429% | 4,759 |
| Net loans and leases to core deposits | 64.9318% | 4,847 |
| Total domestic deposits to total assets | 90.2284% | 832 |
| Equity capital to assets | 9.4953% | 4,880 |
| Core capital (leverage) ratio | 9.2964% | 4,427 |
| Tier 1 risk-based capital ratio | 17.9909% | 2,264 |
| Total risk-based capital ratio | 19.2457% | 2,235 |
| Memoranda: | ||
| Average total assets | $28,470,800 | 6,791 |
| Average earning assets | $27,247,200 | 6,730 |
| Average equity | $2,635,600 | 6,855 |
| Average total loans | $15,485,200 | 6,632 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 5,824 |
| Cost of funding earning assets | 0.6302% | 4,365 |
| Net interest margin | 3.2534% | 5,536 |
| Noninterest income to average assets | 0.6590% | 2,938 |
| Noninterest expense to average assets | 2.5517% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1870% | 1,789 |
| Return on assets (ROA) | 1.1870% | 1,969 |
| Pretax return on assets | 1.2197% | 2,913 |
| Return on Equity (ROE) | 12.9050% | 1,361 |
| Retained earnings to average equity (ytd only) | -2.0322% | 6,400 |
| Net charge-offs to loans | 0.0348% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 65.2889% | 614 |
| Efficiency ratio | 67.6580% | 4,139 |
| Assets per employee ($millions) | 2.7712% | 6,393 |
| Cash dividends to net income (ytd only)* | 115.7474% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.7633% | 4,627 |
| Net loans and leases to deposits | 60.6482% | 5,130 |
| Net loans and leases to core deposits | 63.3046% | 5,229 |
| Total domestic deposits to total assets | 90.2966% | 680 |
| Equity capital to assets | 9.3967% | 5,341 |
| Core capital (leverage) ratio | 8.9892% | 5,084 |
| Tier 1 risk-based capital ratio | 17.9104% | 2,389 |
| Total risk-based capital ratio | 19.2310% | 2,335 |
| Memoranda: | ||
| Average total assets | $28,529,750 | 6,876 |
| Average earning assets | $27,293,500 | 6,818 |
| Average equity | $2,624,250 | 6,943 |
| Average total loans | $15,328,000 | 6,727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 5,950 |
| Cost of funding earning assets | 0.6314% | 4,616 |
| Net interest margin | 3.2513% | 5,586 |
| Noninterest income to average assets | 0.6249% | 3,100 |
| Noninterest expense to average assets | 2.4929% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1943% | 1,738 |
| Return on assets (ROA) | 1.1943% | 1,934 |
| Pretax return on assets | 1.2430% | 2,755 |
| Return on Equity (ROE) | 13.0749% | 1,346 |
| Retained earnings to average equity (ytd only) | -6.6895% | 6,706 |
| Net charge-offs to loans | 0.0523% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 44.7500% | 803 |
| Efficiency ratio | 66.7286% | 4,377 |
| Assets per employee ($millions) | 2.8906% | 6,253 |
| Cash dividends to net income (ytd only)* | 151.1628% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 3,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 6,804 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.5531% | 5,022 |
| Net loans and leases to deposits | 57.8044% | 5,470 |
| Net loans and leases to core deposits | 60.1958% | 5,566 |
| Total domestic deposits to total assets | 90.9154% | 480 |
| Equity capital to assets | 8.8425% | 5,863 |
| Core capital (leverage) ratio | 8.7501% | 5,296 |
| Tier 1 risk-based capital ratio | 16.2492% | 3,031 |
| Total risk-based capital ratio | 17.5079% | 2,996 |
| Memoranda: | ||
| Average total assets | $28,802,330 | 6,920 |
| Average earning assets | $27,558,000 | 6,864 |
| Average equity | $2,631,000 | 6,983 |
| Average total loans | $15,293,330 | 6,784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 5,934 |
| Cost of funding earning assets | 0.6413% | 4,813 |
| Net interest margin | 3.2939% | 5,497 |
| Noninterest income to average assets | 0.6678% | 2,821 |
| Noninterest expense to average assets | 2.5321% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2243% | 1,670 |
| Return on assets (ROA) | 1.2243% | 1,852 |
| Pretax return on assets | 1.2800% | 2,609 |
| Return on Equity (ROE) | 13.1909% | 1,356 |
| Retained earnings to average equity (ytd only) | 7.3450% | 2,257 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4234% | 4,479 |
| Assets per employee ($millions) | 4.1313% | 3,726 |
| Cash dividends to net income (ytd only)* | 44.3182% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 3,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 5,955 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 51.0529% | 5,142 |
| Net loans and leases to deposits | 56.4870% | 5,550 |
| Net loans and leases to core deposits | 58.8254% | 5,644 |
| Total domestic deposits to total assets | 90.3800% | 876 |
| Equity capital to assets | 9.3122% | 5,082 |
| Core capital (leverage) ratio | 8.9537% | 4,911 |
| Tier 1 risk-based capital ratio | 17.1049% | 2,644 |
| Total risk-based capital ratio | 18.3626% | 2,602 |
| Memoranda: | ||
| Average total assets | $28,750,500 | 6,982 |
| Average earning assets | $27,444,500 | 6,923 |
| Average equity | $2,668,500 | 7,026 |
| Average total loans | $15,216,500 | 6,841 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 6,280 |
| Cost of funding earning assets | 0.7365% | 5,304 |
| Net interest margin | 3.3626% | 5,604 |
| Noninterest income to average assets | 0.6223% | 3,052 |
| Noninterest expense to average assets | 2.5097% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2755% | 1,303 |
| Return on assets (ROA) | 1.2755% | 1,405 |
| Pretax return on assets | 1.3305% | 2,013 |
| Return on Equity (ROE) | 14.7281% | 794 |
| Retained earnings to average equity (ytd only) | 8.4954% | 926 |
| Net charge-offs to loans | 0.0259% | 6,077 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 96.7500% | 312 |
| Efficiency ratio | 65.3536% | 4,890 |
| Assets per employee ($millions) | 4.0831% | 3,683 |
| Cash dividends to net income (ytd only)* | 42.3181% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 5,913 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.0019% | 5,171 |
| Net loans and leases to deposits | 58.5627% | 5,645 |
| Net loans and leases to core deposits | 61.0010% | 5,753 |
| Total domestic deposits to total assets | 90.5045% | 723 |
| Equity capital to assets | 9.2506% | 5,210 |
| Core capital (leverage) ratio | 8.9579% | 4,848 |
| Tier 1 risk-based capital ratio | 16.5872% | 2,784 |
| Total risk-based capital ratio | 17.8419% | 2,752 |
| Memoranda: | ||
| Average total assets | $29,087,200 | 6,992 |
| Average earning assets | $27,835,600 | 6,931 |
| Average equity | $2,519,000 | 7,116 |
| Average total loans | $15,462,200 | 6,884 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 6,426 |
| Cost of funding earning assets | 0.7529% | 5,457 |
| Net interest margin | 3.3406% | 5,741 |
| Noninterest income to average assets | 0.6116% | 3,096 |
| Noninterest expense to average assets | 2.4737% | 5,551 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2825% | 1,428 |
| Return on assets (ROA) | 1.2825% | 1,526 |
| Pretax return on assets | 1.3373% | 2,160 |
| Return on Equity (ROE) | 15.0602% | 831 |
| Retained earnings to average equity (ytd only) | 6.6992% | 2,136 |
| Net charge-offs to loans | -0.0086% | 6,763 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9102% | 4,912 |
| Assets per employee ($millions) | 4.1167% | 3,606 |
| Cash dividends to net income (ytd only)* | 55.5143% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 3,155 |
| Loan loss allowance to noncurrent loans | 116.7401% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 4,054 |
| Noncurrent loans to loans | 1.4851% | 4,072 |
| Net loans and leases to total assets | 52.1220% | 5,431 |
| Net loans and leases to deposits | 57.3479% | 5,910 |
| Net loans and leases to core deposits | 59.1059% | 6,049 |
| Total domestic deposits to total assets | 90.8873% | 474 |
| Equity capital to assets | 8.8663% | 5,896 |
| Core capital (leverage) ratio | 8.3358% | 5,930 |
| Tier 1 risk-based capital ratio | 15.9538% | 3,143 |
| Total risk-based capital ratio | 17.2089% | 3,097 |
| Memoranda: | ||
| Average total assets | $29,213,500 | 7,062 |
| Average earning assets | $27,978,500 | 6,994 |
| Average equity | $2,487,750 | 7,191 |
| Average total loans | $15,475,500 | 6,945 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 6,566 |
| Cost of funding earning assets | 0.7823% | 5,497 |
| Net interest margin | 3.2713% | 5,936 |
| Noninterest income to average assets | 0.5793% | 3,271 |
| Noninterest expense to average assets | 2.4263% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2336% | 1,481 |
| Return on assets (ROA) | 1.2336% | 1,553 |
| Pretax return on assets | 1.2881% | 2,171 |
| Return on Equity (ROE) | 14.6836% | 860 |
| Retained earnings to average equity (ytd only) | 5.1920% | 2,879 |
| Net charge-offs to loans | -0.0129% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3211% | 4,998 |
| Assets per employee ($millions) | 3.8189% | 4,154 |
| Cash dividends to net income (ytd only)* | 64.6409% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 3,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 6,019 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 52.0769% | 5,552 |
| Net loans and leases to deposits | 56.8133% | 6,066 |
| Net loans and leases to core deposits | 58.4282% | 6,242 |
| Total domestic deposits to total assets | 91.6631% | 307 |
| Equity capital to assets | 8.1634% | 6,543 |
| Core capital (leverage) ratio | 8.2841% | 5,894 |
| Tier 1 risk-based capital ratio | 14.9189% | 3,532 |
| Total risk-based capital ratio | 16.1692% | 3,513 |
| Memoranda: | ||
| Average total assets | $29,345,670 | 7,120 |
| Average earning assets | $28,123,330 | 7,057 |
| Average equity | $2,465,330 | 7,252 |
| Average total loans | $15,539,000 | 7,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 6,569 |
| Cost of funding earning assets | 0.8423% | 5,319 |
| Net interest margin | 3.2239% | 5,997 |
| Noninterest income to average assets | 0.5706% | 3,362 |
| Noninterest expense to average assets | 2.4493% | 5,741 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1551% | 1,648 |
| Return on assets (ROA) | 1.1551% | 1,698 |
| Pretax return on assets | 1.2107% | 2,333 |
| Return on Equity (ROE) | 13.5455% | 1,078 |
| Retained earnings to average equity (ytd only) | 6.8543% | 2,212 |
| Net charge-offs to loans | -0.0263% | 6,663 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9202% | 4,869 |
| Assets per employee ($millions) | 4.1213% | 3,592 |
| Cash dividends to net income (ytd only)* | 49.3976% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7631% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 6,022 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.1803% | 5,691 |
| Net loans and leases to deposits | 56.1087% | 6,112 |
| Net loans and leases to core deposits | 57.8022% | 6,280 |
| Total domestic deposits to total assets | 91.2163% | 525 |
| Equity capital to assets | 8.5688% | 5,817 |
| Core capital (leverage) ratio | 8.1974% | 5,972 |
| Tier 1 risk-based capital ratio | 15.9114% | 2,945 |
| Total risk-based capital ratio | 17.1666% | 2,914 |
| Memoranda: | ||
| Average total assets | $28,743,000 | 7,191 |
| Average earning assets | $27,544,000 | 7,119 |
| Average equity | $2,451,000 | 7,305 |
| Average total loans | $15,221,000 | 7,077 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 6,395 |
| Cost of funding earning assets | 1.0525% | 5,418 |
| Net interest margin | 3.4494% | 5,435 |
| Noninterest income to average assets | 0.6904% | 2,898 |
| Noninterest expense to average assets | 2.7203% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2186% | 1,370 |
| Return on assets (ROA) | 1.2186% | 1,444 |
| Pretax return on assets | 1.2739% | 2,004 |
| Return on Equity (ROE) | 14.3659% | 821 |
| Retained earnings to average equity (ytd only) | -2.4011% | 6,029 |
| Net charge-offs to loans | 0.0801% | 6,022 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 28.3846% | 765 |
| Efficiency ratio | 68.1072% | 4,540 |
| Assets per employee ($millions) | 3.5796% | 4,753 |
| Cash dividends to net income (ytd only)* | 116.7139% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 3,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 6,111 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.8966% | 5,801 |
| Net loans and leases to deposits | 57.9251% | 6,263 |
| Net loans and leases to core deposits | 62.1202% | 6,227 |
| Total domestic deposits to total assets | 91.3189% | 451 |
| Equity capital to assets | 8.4855% | 5,874 |
| Core capital (leverage) ratio | 8.1942% | 5,834 |
| Tier 1 risk-based capital ratio | 15.7149% | 2,883 |
| Total risk-based capital ratio | 16.9695% | 2,846 |
| Memoranda: | ||
| Average total assets | $28,967,000 | 7,241 |
| Average earning assets | $27,744,200 | 7,169 |
| Average equity | $2,457,200 | 7,406 |
| Average total loans | $16,234,400 | 7,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 6,540 |
| Cost of funding earning assets | 1.0837% | 5,528 |
| Net interest margin | 3.4429% | 5,520 |
| Noninterest income to average assets | 0.5921% | 3,495 |
| Noninterest expense to average assets | 2.7217% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1015% | 1,879 |
| Return on assets (ROA) | 1.1015% | 1,986 |
| Pretax return on assets | 1.1658% | 2,616 |
| Return on Equity (ROE) | 12.9866% | 1,252 |
| Retained earnings to average equity (ytd only) | -9.3072% | 6,839 |
| Net charge-offs to loans | 0.1054% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 19.5418% | 1,205 |
| Efficiency ratio | 70.0118% | 4,065 |
| Assets per employee ($millions) | 3.5491% | 4,856 |
| Cash dividends to net income (ytd only)* | 171.6679% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 3,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 6,244 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.7922% | 5,444 |
| Net loans and leases to deposits | 61.9930% | 6,114 |
| Net loans and leases to core deposits | 66.6350% | 6,070 |
| Total domestic deposits to total assets | 91.6106% | 276 |
| Equity capital to assets | 8.1605% | 6,658 |
| Core capital (leverage) ratio | 7.6847% | 6,691 |
| Tier 1 risk-based capital ratio | 14.5057% | 3,507 |
| Total risk-based capital ratio | 15.7578% | 3,479 |
| Memoranda: | ||
| Average total assets | $29,049,500 | 7,327 |
| Average earning assets | $27,805,000 | 7,258 |
| Average equity | $2,464,000 | 7,500 |
| Average total loans | $16,440,000 | 7,191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 6,733 |
| Cost of funding earning assets | 1.0848% | 5,758 |
| Net interest margin | 3.4043% | 5,627 |
| Noninterest income to average assets | 0.5808% | 3,474 |
| Noninterest expense to average assets | 2.6992% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0865% | 1,901 |
| Return on assets (ROA) | 1.0865% | 1,972 |
| Pretax return on assets | 1.1412% | 2,623 |
| Return on Equity (ROE) | 12.6542% | 1,321 |
| Retained earnings to average equity (ytd only) | 2.8651% | 4,318 |
| Net charge-offs to loans | 0.1580% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 12.8462% | 1,640 |
| Efficiency ratio | 70.2847% | 4,134 |
| Assets per employee ($millions) | 3.6843% | 4,514 |
| Cash dividends to net income (ytd only)* | 77.3585% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 3,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 6,517 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 55.6898% | 5,752 |
| Net loans and leases to deposits | 61.0277% | 6,306 |
| Net loans and leases to core deposits | 63.6300% | 6,434 |
| Total domestic deposits to total assets | 91.2533% | 400 |
| Equity capital to assets | 8.5669% | 6,071 |
| Core capital (leverage) ratio | 8.4797% | 5,448 |
| Tier 1 risk-based capital ratio | 15.8426% | 2,741 |
| Total risk-based capital ratio | 17.1477% | 2,680 |
| Memoranda: | ||
| Average total assets | $29,268,330 | 7,372 |
| Average earning assets | $28,023,330 | 7,296 |
| Average equity | $2,513,000 | 7,544 |
| Average total loans | $16,457,000 | 7,244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 6,866 |
| Cost of funding earning assets | 1.0875% | 5,968 |
| Net interest margin | 3.3770% | 5,680 |
| Noninterest income to average assets | 0.6172% | 3,156 |
| Noninterest expense to average assets | 2.7018% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0972% | 1,836 |
| Return on assets (ROA) | 1.0972% | 1,920 |
| Pretax return on assets | 1.1520% | 2,546 |
| Return on Equity (ROE) | 12.7643% | 1,308 |
| Retained earnings to average equity (ytd only) | 5.5844% | 2,821 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1068% | 4,279 |
| Assets per employee ($millions) | 3.2368% | 5,679 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,003 |
| Loan loss allowance to noncurrent loans | 256.4815% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,549 |
| Noncurrent loans to loans | 0.6691% | 5,989 |
| Net loans and leases to total assets | 54.4540% | 5,970 |
| Net loans and leases to deposits | 59.7521% | 6,493 |
| Net loans and leases to core deposits | 60.4351% | 6,709 |
| Total domestic deposits to total assets | 91.1332% | 490 |
| Equity capital to assets | 8.6677% | 5,777 |
| Core capital (leverage) ratio | 8.5969% | 5,204 |
| Tier 1 risk-based capital ratio | 16.0654% | 2,628 |
| Total risk-based capital ratio | 17.3188% | 2,580 |
| Memoranda: | ||
| Average total assets | $29,165,500 | 7,472 |
| Average earning assets | $27,953,500 | 7,394 |
| Average equity | $2,507,000 | 7,627 |
| Average total loans | $16,346,500 | 7,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 5,529 |
| Cost of funding earning assets | 1.3484% | 6,149 |
| Net interest margin | 3.8770% | 3,363 |
| Noninterest income to average assets | 0.5572% | 3,965 |
| Noninterest expense to average assets | 2.5752% | 5,885 |
| Loan and lease loss provision to assets | 0.1607% | 6,077 |
| Net operating income to assets | 1.4715% | 714 |
| Return on assets (ROA) | 1.4715% | 779 |
| Pretax return on assets | 1.5287% | 1,119 |
| Return on Equity (ROE) | 17.7372% | 389 |
| Retained earnings to average equity (ytd only) | 12.0114% | 207 |
| Net charge-offs to loans | 0.4126% | 4,164 |
| Credit loss provision to net charge-offs | 64.2857% | 6,576 |
| Earnings coverage of net charge-offs (x) | 6.7571% | 2,294 |
| Efficiency ratio | 60.3853% | 6,419 |
| Assets per employee ($millions) | 3.6500% | 4,649 |
| Cash dividends to net income (ytd only)* | 32.2816% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 2,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 7,183 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.7397% | 5,989 |
| Net loans and leases to deposits | 61.0434% | 6,557 |
| Net loans and leases to core deposits | 76.3701% | 6,371 |
| Total domestic deposits to total assets | 91.3116% | 432 |
| Equity capital to assets | 8.5240% | 5,842 |
| Core capital (leverage) ratio | 8.6050% | 5,094 |
| Tier 1 risk-based capital ratio | 14.8562% | 3,024 |
| Total risk-based capital ratio | 16.1096% | 2,971 |
| Memoranda: | ||
| Average total assets | $27,998,000 | 7,549 |
| Average earning assets | $26,773,000 | 7,471 |
| Average equity | $2,322,800 | 7,768 |
| Average total loans | $16,967,200 | 7,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 5,273 |
| Cost of funding earning assets | 1.4056% | 6,207 |
| Net interest margin | 3.9247% | 3,142 |
| Noninterest income to average assets | 0.5295% | 4,241 |
| Noninterest expense to average assets | 2.5754% | 5,801 |
| Loan and lease loss provision to assets | 0.2166% | 5,250 |
| Net operating income to assets | 1.4297% | 966 |
| Return on assets (ROA) | 1.4297% | 1,028 |
| Pretax return on assets | 1.4875% | 1,447 |
| Return on Equity (ROE) | 17.3585% | 510 |
| Retained earnings to average equity (ytd only) | 9.5851% | 711 |
| Net charge-offs to loans | 0.5467% | 3,049 |
| Credit loss provision to net charge-offs | 64.2857% | 6,099 |
| Earnings coverage of net charge-offs (x) | 5.0572% | 2,940 |
| Efficiency ratio | 60.1800% | 6,389 |
| Assets per employee ($millions) | 3.4806% | 4,977 |
| Cash dividends to net income (ytd only)* | 44.7814% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 2,860 |
| Loan loss allowance to noncurrent loans | 314.7727% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 6,693 |
| Noncurrent loans to loans | 0.5196% | 6,266 |
| Net loans and leases to total assets | 59.8276% | 5,610 |
| Net loans and leases to deposits | 65.5505% | 6,348 |
| Net loans and leases to core deposits | 82.0115% | 6,187 |
| Total domestic deposits to total assets | 91.2695% | 314 |
| Equity capital to assets | 8.5294% | 6,215 |
| Core capital (leverage) ratio | 8.3086% | 5,818 |
| Tier 1 risk-based capital ratio | 14.1774% | 3,453 |
| Total risk-based capital ratio | 15.4310% | 3,397 |
| Memoranda: | ||
| Average total assets | $27,697,500 | 7,623 |
| Average earning assets | $26,464,000 | 7,550 |
| Average equity | $2,281,250 | 7,853 |
| Average total loans | $17,070,750 | 7,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 5,308 |
| Cost of funding earning assets | 1.4483% | 6,325 |
| Net interest margin | 3.9203% | 3,016 |
| Noninterest income to average assets | 0.5064% | 4,392 |
| Noninterest expense to average assets | 2.5607% | 5,897 |
| Loan and lease loss provision to assets | 0.3255% | 3,987 |
| Net operating income to assets | 1.3021% | 1,224 |
| Return on assets (ROA) | 1.3021% | 1,302 |
| Pretax return on assets | 1.3599% | 1,830 |
| Return on Equity (ROE) | 16.0000% | 695 |
| Retained earnings to average equity (ytd only) | 7.7333% | 1,299 |
| Net charge-offs to loans | 0.5609% | 2,645 |
| Credit loss provision to net charge-offs | 93.7500% | 4,805 |
| Earnings coverage of net charge-offs (x) | 4.8542% | 2,984 |
| Efficiency ratio | 60.3066% | 6,494 |
| Assets per employee ($millions) | 3.1703% | 5,661 |
| Cash dividends to net income (ytd only)* | 51.6667% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 2,174 |
| Loan loss allowance to noncurrent loans | 339.7727% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 6,693 |
| Noncurrent loans to loans | 0.5156% | 6,241 |
| Net loans and leases to total assets | 58.7741% | 5,862 |
| Net loans and leases to deposits | 64.0443% | 6,556 |
| Net loans and leases to core deposits | 79.8914% | 6,416 |
| Total domestic deposits to total assets | 91.7709% | 253 |
| Equity capital to assets | 8.0503% | 6,692 |
| Core capital (leverage) ratio | 7.9718% | 6,382 |
| Tier 1 risk-based capital ratio | 13.6329% | 3,736 |
| Total risk-based capital ratio | 14.8911% | 3,659 |
| Memoranda: | ||
| Average total assets | $27,648,330 | 7,696 |
| Average earning assets | $26,375,330 | 7,622 |
| Average equity | $2,250,000 | 7,944 |
| Average total loans | $17,115,670 | 7,483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 5,073 |
| Cost of funding earning assets | 1.5027% | 6,393 |
| Net interest margin | 3.9658% | 2,795 |
| Noninterest income to average assets | 0.4705% | 4,590 |
| Noninterest expense to average assets | 2.5730% | 5,559 |
| Loan and lease loss provision to assets | 0.6616% | 1,912 |
| Net operating income to assets | 0.9410% | 2,544 |
| Return on assets (ROA) | 0.9410% | 2,675 |
| Pretax return on assets | 0.9998% | 3,345 |
| Return on Equity (ROE) | 11.4979% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.9286% | 2,661 |
| Net charge-offs to loans | 0.0233% | 5,228 |
| Credit loss provision to net charge-offs | 4,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 384 |
| Efficiency ratio | 60.7639% | 6,285 |
| Assets per employee ($millions) | 3.7104% | 4,317 |
| Cash dividends to net income (ytd only)* | 48.4375% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 1,325 |
| Loan loss allowance to noncurrent loans | 988.5714% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 7,236 |
| Noncurrent loans to loans | 0.2073% | 6,937 |
| Net loans and leases to total assets | 55.7019% | 6,282 |
| Net loans and leases to deposits | 60.3893% | 6,861 |
| Net loans and leases to core deposits | 72.8274% | 6,873 |
| Total domestic deposits to total assets | 92.2380% | 151 |
| Equity capital to assets | 7.5565% | 7,303 |
| Core capital (leverage) ratio | 7.9051% | 6,608 |
| Tier 1 risk-based capital ratio | 13.3393% | 3,972 |
| Total risk-based capital ratio | 14.6001% | 3,878 |
| Memoranda: | ||
| Average total assets | $27,206,000 | 7,760 |
| Average earning assets | $25,821,000 | 7,691 |
| Average equity | $2,226,500 | 8,003 |
| Average total loans | $17,139,000 | 7,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4148% | 3,336 |
| Cost of funding earning assets | 2.1532% | 5,815 |
| Net interest margin | 4.2616% | 2,089 |
| Noninterest income to average assets | 0.5985% | 3,851 |
| Noninterest expense to average assets | 2.6343% | 5,511 |
| Loan and lease loss provision to assets | 0.6557% | 2,218 |
| Net operating income to assets | 1.2924% | 1,502 |
| Return on assets (ROA) | 1.2924% | 1,455 |
| Pretax return on assets | 1.3000% | 2,311 |
| Return on Equity (ROE) | 15.3839% | 869 |
| Retained earnings to average equity (ytd only) | 3.4489% | 2,995 |
| Net charge-offs to loans | 0.3434% | 3,110 |
| Credit loss provision to net charge-offs | 277.4194% | 1,647 |
| Earnings coverage of net charge-offs (x) | 8.2742% | 2,910 |
| Efficiency ratio | 57.3920% | 6,803 |
| Assets per employee ($millions) | 3.0911% | 5,799 |
| Cash dividends to net income (ytd only)* | 77.5811% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 1,809 |
| Loan loss allowance to noncurrent loans | 656.5217% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 6,075 |
| Noncurrent loans to loans | 0.2644% | 6,583 |
| Net loans and leases to total assets | 69.1334% | 4,218 |
| Net loans and leases to deposits | 76.1074% | 5,583 |
| Net loans and leases to core deposits | 91.6528% | 5,670 |
| Total domestic deposits to total assets | 90.8367% | 373 |
| Equity capital to assets | 8.9369% | 5,453 |
| Core capital (leverage) ratio | 8.5902% | 5,398 |
| Tier 1 risk-based capital ratio | 13.6563% | 3,719 |
| Total risk-based capital ratio | 14.9169% | 3,631 |
| Memoranda: | ||
| Average total assets | $26,231,000 | 7,797 |
| Average earning assets | $24,568,000 | 7,762 |
| Average equity | $2,203,600 | 8,074 |
| Average total loans | $18,054,200 | 7,455 |